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 with 50% cashback on refreshments, 10% on Amazon/Noon/Careem, 7% on dining, and 5% on international spend — plus an AED 1,000 welcome cashback offer.
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 10,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Ajman Bank LIFE World Credit Card expects AED 10,000+ monthly income.
Documents ready
Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
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
June Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
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 SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
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
10,000AED
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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