Elevate Credit Card
Monthly subscription of AED 79 to 299 by tier, waived on monthly spend thresholds
What it costs.
- Annual fee
- –Not published in the catalogue yet; it is not zero.
- Fee note
- Monthly subscription of AED 79 to 299 by tier, waived on monthly spend thresholds
- Monthly rate
- –Not published in the catalogue yet; it is not zero.
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- –Not published in the catalogue yet; it is not zero.
- Minimum salary
- AED 35,000
- Salary transfer
- –Not published in the catalogue yet; it is not zero.
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
What you get.
- Access to 1,200+ airport lounges worldwide with one guest
- 6 complimentary Careem airport transfers annually
- Zero foreign transaction fees
- Up to AED 200 monthly streaming cashback
- 2x redemption value on airline tickets and hotel bookings
- Multi-trip travel insurance and a global eSIM with 5GB annual data
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.