Aafaq Platinum Credit Card

Aafaq's product page advertises a joining bonus, but the linked terms limited it to applications submitted by 31 December 2025, which has passed. The joining bonus is no longer available.

The card earns 2 AIF Rewards per AED 1 on eligible international purchases and 1 on standard domestic retail purchases. Reduced categories earn 0.15–0.5 point per AED, with a 50,000-point statement cap. Statement-credit redemption follows Aafaq's published conversion; flight, hotel, gift-card and partner-point values vary.

The annual fee is AED 0 for life, with no minimum spend condition. There is also no separate joining fee, so the card is free to open and hold.

Airport transfer, meet and greet, VOX Cinemas BOGO tickets and valet parking benefits each require a minimum of AED 5,000 in monthly card spend to unlock.

Yes. Aafaq Islamic Finance is regulated by the Central Bank of the UAE and structures the card under Shari'a-compliant principles. Late payment amounts are donated to charity through Aafaq's Internal Shari'ah Supervisory Committee rather than retained by the bank.

Salaried applicants need a minimum monthly income of AED 8,000 and must be at least 21 years old. Self-employed applicants can also apply if they're aged 21 to 65, have run their business for at least 2 years, and show a minimum average monthly turnover of AED 50,000. There's no stated minimum credit limit requirement.