It earns 3% Cash Up on groceries, fuel and utility/bill payments (provided you spend at least AED 1,000 on the card that month), and 0.5% on all other retail spend.
Deem Titanium Mastercard
Earns 3% Cash Up on groceries, fuel and utility bills (0.5% on other retail), with a AED 210 annual fee waived in year one.
≈ AED 5,070 potential value / year
Welcome offer
0% Balance Transfer for 6 months
0% interest on transferred balances for the first 6 months.
Transfer an outstanding balance from another card and pay 0% interest for the first 6 months. A balance transfer fee of up to 4.20% of the transferred amount applies.
See full breakdownRewards
3%
Cash Up on groceries, fuel and utility bills.
Earn 3% Cash Up on grocery, fuel and utility/bill spend, provided you spend at least AED 1,000 on the card that month.
See full breakdown0.5%
Cash Up on all other retail spend.
All other retail spend outside grocery, fuel and utility/bill categories earns 0.5% Cash Up.
See full breakdownRewards Calculator
Eligibility
21
Minimum Age
5,000AED
Minimum Income
Free supplementary cards
Up to 5 supplementary cards issued free of charge.
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
Careem ride discount
20% off 3 Careem rides per month.
Get 20% off up to 3 Careem rides per month when paying with the card.
See full breakdownMastercard Buy 1 Get 1
900+ Buy 1 Get 1 offers across 600+ merchants in 90+ destinations.
Access the Mastercard Buy 1 Get 1 programme: 900+ offers across 600+ merchants in 90+ destinations worldwide, spanning dining, retail and entertainment.
See full breakdownAirport lounge access
Access to 10+ airport lounges across the Middle East and Levant.
Complimentary access to 10+ airport lounges across the Middle East and Levant regions.
See full breakdownEasy Payment Plans
Convert purchases over AED 250 into instalments.
Convert eligible card transactions over AED 250 into an Easy Payment Plan; tenure and processing fees vary by plan and merchant.
See full breakdownFees
210AED
Annual Fee
Waived for the first year
Free
Supplementary Card
Up to 5 free supplementary cards
3.99%
Monthly Retail Interest Rate
51 days interest-free period on retail purchases
Monthly Cash Advance Interest Rate3.75%
Cash Advance Fee3%*
*3% of the cash advance amount or AED 105, whichever is higher
Balance Transfer Fee4.2%*
*Up to 4.20% of the transferred amount
International Transaction Fee (non-AED)2.99%*
*2.99% of the AED-converted transaction amount
Over Limit FeeAED 341.25
Late Payment FeeAED 241.5*
*Waived if the minimum amount due is paid on time
Card ReplacementAED 78.75
Excess Balance IssuanceAED 26.25
Liability LetterAED 52.5
Sales Voucher CopyAED 26.25
e-StatementFree
Credit Shield Insurance1.04%*
*1.04% of the monthly outstanding balance; optional cover
Important Stuff
Frequently Asked Questions
Get answers to common questions about Deem Titanium Mastercard credit card
Similar cards
DUBAI ISLAMIC BANK
DIB Consumer Cashback Reward Credit Card
Salary: AED 5,000+
Annual Fee: AED 210
3% cashback on groceries, auto & education
3% cashback on bills
3% cashback on Salik & nol
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Salary: AED 5,000+
Free for life
Up to 2% Cashback on all spends
Instant redemption as Cashback or Miles
2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
Salary: AED 10,000+
No Annual Fee for the first year
Welcome Offer: AED 500 Cashback points
Up to 8% cashback on your spends
Switch between Lifestyle or Travel cashback category
Other credit cards from this bank
DEEM
Deem World Mastercard
Salary: AED 25,000+
AED 525/year, free year one
1,000+ lounges worldwide
5 Joy Points/AED in chosen mode
AED 250,000 draw every 6 months
DEEM
Deem Platinum Mastercard
Salary: AED 10,000+
No Annual Fee
30% off on Udemy
Debt Consolidation Option
Spend AED 100 for AED 100,000 weekly draw.