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CashbackVisa
Standard Chartered
Journey Credit Card
No salary transfer needed
Min. salary
AED 30,000
Annual fee
AED 1,575
Monthly rate
3.45%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
50.2%
01Fees & rates
What it costs.
- Annual fee
- AED 1,575
- Monthly rate
- 3.45%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 50.2%
- Minimum salary
- AED 30,000
- Salary transfer
- Not required
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.
02Rewards & perks
What you get.
- AED 1,000 cashback on first application (min. AED 10,000 spend)
- 2 Rewards Points per USD 1 spent internationally
- 1 Rewards Point per USD 1 spent locally
- 2% cashback on airline bookings via Rewards Points
- Priority airport lounge access
- Unlimited Fitness First membership
- Complimentary monthly golf round
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.