Simply Cash Credit Card
No salary transfer needed
No annual fee on first two supplementary cards; AED 105 from third onward
What it costs.
- Annual fee
- AED 525
- Fee note
- No annual fee on first two supplementary cards; AED 105 from third onward
- 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 8,000
- 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.
What you get.
- ‘Buyers Protection’ feature available
- ‘Tap to Pay’ feature for easy e-wallet payments
- Complimentary visits (8 times a year) to more than 1000 airport lounges in 300+ cities
- 2% cashback on international and airline spending
- Multi-trip travel insurance for trips of up to 90 days duration
- Up to 8% off on Booking.com
- Up to 12% discount on 985,000+ hotels and vacation rentals globally with Agoda.com
- Up to 20% discount on rooms and suites with Jumeirah Hotels across multiple countries
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.