Ajman Bank ULTRACASH Credit Card
Earn 5% cashback on fuel, education, grocery and online shopping, plus a welcome bonus of up to AED 500.
Updated Jul 2026
≈ AED 2,536 value / year · incl. perks
Welcome offer
Welcome Bonus
Up to AED 500 as cashback.
Earn up to AED 500 as cashback in the first months of card usage.
See full breakdownRewards
5%
cashback on fuel spends
5% cashback on fuel purchases. Capped at AED 400 per month.
See full breakdown5%
cashback on online shopping
5% cashback on online shopping transactions. Capped at AED 200 per month until 30 September 2026, then AED 100 per month from 1 October 2026.
See full breakdown5%
cashback on grocery spends
5% cashback on grocery purchases. Capped at AED 200 per month until 30 September 2026, then AED 100 per month from 1 October 2026.
See full breakdown5%
cashback on education spends
5% cashback on education-related payments. Capped at AED 200 per month.
See full breakdown1%
cashback on all other spends
1% cashback on all other eligible retail transactions.
See full breakdownRewards 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
Mastercard Travel Pass Lounge Access
Unlimited access to 1,000+ airport lounges worldwide
Complimentary unlimited access to over 1,000 airport lounges globally via Mastercard Travel Pass.
Valet Parking
2 complimentary sessions per month at select UAE locations
2 complimentary valet parking sessions per month at select UAE locations.
Fees
Free
Joining Fee
315AED
Annual Fee
3.45%
Monthly Purchase Rate
3.45% per month (41.4% per annum)
Late Payment FeeAED 241.5
Cash Advance Fee3.15%*
*3.15% of transaction amount or AED 105 whichever is higher
International Transaction Fee (non-AED)1.99%*
*1.99% of transaction amount
Important Stuff
Other credit cards from this bank
AJMAN BANK
Ajman Bank LIFE World Credit Card
Salary: AED 20,000+
Annual Fee: AED 630
Welcome Bonus: AED 1,000 cashback
50% cashback on refreshments & snacks
10% cashback on Amazon, Noon & Careem
AJMAN BANK
Ajman Bank LIFE Platinum Credit Card
Salary: AED 10,000+
No Annual Fee (Free for Life)
50% cashback on refreshments & snacks
10% cashback on Amazon, Noon & Careem
5% cashback on dine-in
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