No — the LIFE Platinum is free for life with no annual fee ever charged.
Ajman Bank LIFE Platinum Credit Card
A free-for-life Mastercard Platinum with up to 50% cashback on refreshments, 10% on Amazon/Noon/Careem, and 5% on dining — no annual fee ever.
Updated May 2026
≈ AED 2,896 value / year · incl. perks
Rewards
50%
cashback on refreshments & snacks
Up to AED 50 cashback per month on refreshment and snack purchases. Requires minimum spend of AED 3,000 per statement cycle to activate cashback.
10%
cashback on Amazon, Noon & Careem
Up to AED 50 cashback per month on purchases at Amazon, Noon, and Careem. Requires minimum spend of AED 3,000 per statement cycle.
5%
cashback on dine-in
Up to AED 50 cashback per month on dine-in restaurant transactions. Requires minimum spend of AED 3,000 per statement cycle.
1%
cashback on all other retail spends
Up to AED 50 cashback per month on all other eligible retail transactions. Total monthly cashback capped at AED 200. Requires minimum spend of AED 3,000 per statement cycle.
Rewards Calculator
Eligibility
21
Minimum Age
10,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Additional Benefits
Airport Lounge Access
Unlimited access to 25+ regional and international lounges
Complimentary unlimited access to over 25 LoungeKey and Marhaba lounges across UAE, Saudi Arabia, Jordan, Kuwait, Egypt, Morocco, USA, UK, Canada, Germany, France, Singapore, and more.
Valet Parking
3 complimentary sessions per month at 35+ locations
3 complimentary valet parking sessions per month at over 35 locations across the UAE.
Airport Transfer & Meet & Greet
Complimentary airport transfer and meet & greet service
Complimentary airport transfer and meet & greet assistance at participating UAE airports.
Fees
Free
Annual Fee
Free for life — no annual fee charged
3.5%
Monthly Profit Rate
Equivalent to 42% per annum
157.5AED
Cash Advance Fee
Per transaction; applicable on cash withdrawals up to AED 5,000
Late Payment FeeAED 131.25
Card ReplacementAED 78.75
Supplementary CardFree*
*First 2 supplementary cards free; AED 52.50 per card from the 3rd onwards
Foreign Currency Transaction Fee3.5%*
*Applied on non-AED transactions
Credit Shield0.99%*
*0.99% of outstanding balance per month
Minimum Payment5%*
*5% of outstanding principal plus 100% of fees, or AED 100 — whichever is higher
Duplicate StatementAED 47.25*
*Per month
Sales Voucher CopyAED 68.25
Frequently Asked Questions
Get answers to common questions about Ajman Bank LIFE Platinum Credit Card credit card
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