New cardholders earn AED 1,000 cashback by spending AED 10,000 within 60 days of card issuance.
Ajman Bank LIFE World Credit Card
A premium Mastercard World earning 50% cashback on refreshments and 10% on Amazon, Noon and Careem, plus an AED 1,000 welcome cashback offer.
Updated Jul 2026
≈ AED 5,008 value / year · incl. perks
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. Ajman Bank LIFE World 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
AED 1,000 Welcome Cashback
AED 1,000 cashback for new LIFE World cardholders
Earn AED 1,000 cashback when you spend AED 10,000 within 60 days from card issuance date. For new cardholders only.
Annual Fee Waiver
Annual fee waived with AED 5,000 retail spend in first 60 days
The AED 600 annual membership fee is waived if you complete AED 5,000 in retail purchases within 60 days of card issuance.
Rewards
50%
cashback on refreshments & snacks
Up to AED 100 cashback per month on refreshment and snack purchases. Requires minimum spend of AED 5,000 per statement cycle.
10%
cashback on Amazon, Noon & Careem
Up to AED 100 cashback per month on purchases at Amazon, Noon, and Careem. Requires minimum spend of AED 5,000 per statement cycle.
7%
cashback on dine-in
Up to AED 100 cashback per month on dine-in restaurant transactions. Requires minimum spend of AED 5,000 per statement cycle.
5%
cashback on international spend
Up to AED 100 cashback per month on transactions processed outside the UAE. Requires minimum spend of AED 5,000 per statement cycle.
1%
cashback on all other retail spends
Cashback on all other eligible retail transactions. The four premium categories are collectively capped at AED 400 per month. Requires minimum spend of AED 5,000 per statement cycle.
Rewards Calculator
July 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.
Travel Discounts
Up to 30% off on flights, hotels & car rental
Exclusive discounts: 30% off Cleartrip flight bookings, 10% off Booking.com, 15% off IHG hotels, and 20% off Avis car rental.
Eligibility
21
Minimum Age
20,000AED
Minimum Income
Fees
600AED
Annual Fee
Waived with AED 5,000 retail spend within 60 days of issuance
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 World Credit Card credit card
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