World Credit Card
✓ ReviewedRate, minimum salary and fee verified against the bank's own schedule of charges, reviewed 4 July 2026.
Waived on AED 100,000 annual spend
What it costs.
- Annual fee
- AED 998
- Fee note
- Waived on AED 100,000 annual spend
- Monthly rate
- 3.65%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 53.8%
- Minimum salary
- AED 20,000
- 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.
- Up to 10% cashback on hotel and ticket bookings, dining, and supermarket spends
- Up to 3% cashback on e-wallet retail spends
- Up to 1% cashback on non e-wallet retail spends
- 50% discount at VOX cinemas
- Coverage of up to AED 10,000 in case of card loss or theft
- Unlimited access to over 1,200 airport lounges
- 10% on car rentals from Rentalcars.com
- 10% off at Farfetch
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.