Ajman Bank LIFE Platinum Credit Card

No — the LIFE Platinum is free for life with no annual fee ever charged.

You need to spend a minimum of AED 3,000 per statement cycle to activate the cashback program.

Each cashback category is capped at AED 50 per month, with a total monthly cap of AED 200.

The 10% cashback applies specifically to purchases at Amazon, Noon, and Careem.

Ajman Bank's current LIFE terms list MCCs 7832 (cinemas), 7929 (bands/orchestras) and 7911 (dance halls) for this category, despite calling it refreshments/snacks. Ordinary coffee shops are not listed.

Yes — it comes with complimentary unlimited access to 25+ regional and international airport lounges through Mastercard Travel Pass, covering eligible LoungeKey and Marhaba locations across the UAE and other participating countries. You need to complete the qualifying lounge-programme transaction first before you can use it, so set that up ahead of your first airport visit. It's a notable perk given the card has no annual fee.

Cashback is redeemed through the Ajman Bank Mobile Banking app. Unredeemed cashback expires automatically one year after the date it was earned.

Yes — Ajman Bank's concierge service (concierge.ajmanbank.ae) arranges up to 2 airport transfers and 2 airport meet & greets a year, and up to 2 golf rounds a month at Al Hamra Golf Club, each with AED 7,000 total monthly spend.