New cardholders earn 20% cashback on spends at Amazon.ae, noon.com, Careem and Talabat for the first 90 days from card issuance. Cashback is capped at AED 50 per participating merchant per month, with a maximum welcome benefit of AED 600 over the full offer period.
Aafaq World Elite Credit Card
A premium Shari'a-compliant Mastercard World Elite from Aafaq Islamic Finance, combining 5% rewards on online and dining, 3% on international spends and a 20% welcome cashback boost on Amazon, noon, Careem and Talabat with unlimited airport lounge access, DXB airport transfers, golf, padel and complimentary valet parking.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 20,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Aafaq World Elite Credit Card expects AED 20,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Welcome offer
20% cashback on Amazon, noon, Careem and Talabat
Earn 20% cashback on spends at Amazon.ae, noon.com, Careem and Talabat for the first 90 days.
Available on new cards for the first 90 days from issuance. Cashback is capped at AED 50 per participating merchant per month, with a maximum welcome benefit of AED 600 across the full offer period. Cashback is credited within 60 days of the transaction posting date.
See full breakdownRewards
5%
AIF Rewards on online and dining spends.
Earn 5 AIF Rewards per AED 1 on online retail and dining, capped at 10,000 AIF Rewards per category per month.
3%
AIF Rewards on international (non-AED) spends.
Earn 3 AIF Rewards per AED 1 on transactions outside the UAE in non-AED currencies, capped at 20,000 AIF Rewards per month.
1%
AIF Rewards on all other retail spends.
Earn 1 AIF Reward per AED 1 on retail spends that do not fall into the online, dining, international or reduced categories. Combined monthly cap of 60,000 AIF Rewards across all standard tiers.
0.15%
AIF Rewards on reduced categories.
Reduced earn rate of 0.15 AIF Rewards per AED 1 on select categories including supermarkets, fuel, utilities, telecom, government, education, insurance, real estate, transportation, car rental and charity. Aafaq may update the reduced categories from time to time.
See full breakdown1,000AED
maximum AIF Rewards earned per month across all categories.
Combined cap of 100,000 AIF Rewards per month (≈ AED 1,000 cashback value) across all earning categories.
Rewards Calculator
July Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Additional Benefits
Airport Lounge Access
Mastercard World Elite lounge access for the cardholder and a guest.
Worldwide access via the Mastercard World Elite lounge network. Lounge list and terms governed by Mastercard.
See full breakdownAirport Transfers
4 complimentary transfers per year to and from Dubai and Abu Dhabi airports.
Up to 4 chauffeur transfers per year to/from DXB and AUH (within defined city zones). Requires AED 8,000 monthly spend and a ticket bought on the card within the last 60 days; otherwise AED 210 per ride.
See full breakdownAirport Meet & Greet (Marhaba)
4 complimentary Marhaba meet & greet services per year at DXB and DWC.
Up to 4 services per year at DXB and DWC for the cardholder and up to 4 immediate family. Requires AED 8,000 monthly spend and a ticket bought on the card within the last 60 days; otherwise AED 105 per passenger.
Golf Access
2 complimentary golf rounds per month at partner courses.
Up to 2 rounds per calendar month at aafaq partner courses (Derby Group). Requires AED 8,000 monthly spend; otherwise up to AED 997.50 per game.
See full breakdownPadel Sessions
2 complimentary padel sessions per month at partner clubs.
Up to 2 sessions per calendar month at partner courts (Derby Group). Requires AED 8,000 monthly spend; otherwise up to AED 472.50 per game.
See full breakdownValet Parking
6 complimentary valet sessions per month at select locations.
Up to 6 standard valet visits per calendar month at participating UAE malls and venues (Dubai Mall, Mall of the Emirates, Yas Mall, Ferrari World and more). Requires AED 8,000 monthly spend; otherwise AED 105 per visit.
VOX Cinemas
6 buy-one-get-one offers per month at VOX Cinemas.
Up to 6 "Buy 1, Get 1" offers per calendar month on voxcinemas.com or the VOX app, across all 2D/3D experiences including IMAX and Gold. Requires AED 8,000 monthly spend.
Multi-Takaful Package
Complimentary multi-takaful (insurance) cover with the card.
Auto-enrolled on card issuance. Cover details published on aafaq.ae.
See full breakdownCredit Shield
Optional card balance protection for unforeseen life events.
Optional cover that waives the outstanding card balance on permanent total disability or loss of life. Premium is 1.04% per month of the statement balance. Enrol via the Aafaq Digital App or call 600 502006.
Eligibility
21
Minimum Age
20,000AED
Minimum Income
Fees
Free
Joining Fee
First year annual fee waived
1,050AED
Annual Fee
Year 2 onwards; waived on AED 100,000 annual retail spend
Free
Supplementary Card
First 3 supplementary cards free; AED 105 from the 4th card onwards
Monthly Profit Rate3.99%*
*3.99% per month (47.88% per annum) on the unpaid card balance
Minimum Monthly Payment5%*
*5% of the principal balance, minimum AED 100
Late Payment DonationAED 241.5*
*Charged if minimum payment is not received by the due date; donated to charity through aafaq's Internal Shari'ah Supervisory Committee
Over Limit FeeAED 273*
*Charged once per billing cycle when the current balance exceeds the credit limit
Cash Withdrawal FeeAED 157.5*
*Per transaction; cash withdrawal limit up to 90% of the available credit limit
Card Replacement FeeAED 78.75*
*Up to AED 1,050 may apply for select premium card designs
International Transaction Fee (non-AED)2.5%*
*Bank conversion fee on non-AED transactions; Mastercard scheme fee of approximately 1.15% applies in addition
Dynamic Currency Conversion2.5%*
*Applies to international transactions processed in AED; Mastercard scheme fee of approximately 1.15% applies in addition
Cheque / Direct Debit ReturnAED 105
Payment Holiday FeeAED 315
EPP / FOP / BT Early CancellationAED 210
Credit Shield1.04%*
*Optional. 1.04% per month of the statement outstanding balance
Frequently Asked Questions
Get answers to common questions about Aafaq World Elite Credit Card credit card
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