Ajman Bank LIFE World Credit Card

New cardholders earn AED 1,000 cashback by spending AED 10,000 within 60 days of card issuance.

The AED 630 annual fee is waived if you spend AED 5,000 in retail purchases within 60 days of card issuance.

You need to spend a minimum of AED 5,000 per statement cycle to activate the cashback program.

Each of the four premium categories (refreshments, online, dining, international) is capped at AED 100 per month, totaling up to AED 400. Additional 1% cashback on other retail spends is also earned.

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.

Cardholders get unlimited access to 25+ regional and international airport lounges via Mastercard Travel Pass (LoungeKey and Marhaba), plus 3 complimentary valet parking sessions monthly at 35+ locations. Ajman Bank's concierge (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. Travel discounts: up to 30% off Cleartrip, up to 10% back on Booking.com, 15% off IHG, 10% off Rentalcars.com and 20% off Avis, subject to merchant terms.

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