Each statement period, choose a Travel or Lifestyle mode. If you spend AED 7,500 on the card that month, that mode's qualifying categories earn 5 Joy Points per AED 1: Travel covers flights, hotel bookings, dining and international spend; Lifestyle covers entertainment, department stores, supermarkets and dining. All other spend earns 0.5 Joy Points per AED 1, up to 100,000 Joy Points per month across all spending.
Deem World Mastercard
Earn Joy Points in Travel or Lifestyle mode, plus airport lounge access and a first-year fee waiver. Each statement period you pick a mode; hitting AED 7,500 in card spend that month unlocks 5 Joy Points per AED 1 on that mode's categories, with 0.5 Joy Points per AED 1 on everything else.
Updated Aug 2026
Welcome offer
First Year Free
No annual fee in your first year.
The AED 525 annual membership fee for the Deem World Mastercard is waived for your first year from card issuance.
See full breakdownRewards
5Joy Points
per AED 1 in your chosen mode's categories, once you spend AED 7,500 on the card that month.
Pick a Travel or Lifestyle mode each statement period. Spend AED 7,500 on the card that month and its qualifying categories earn 5 Joy Points per AED 1; below that, every category earns the base rate.
0.5Joy Points
per AED 1 on all other spending, and on every category if the monthly threshold isn't met.
Base earn rate for non-qualifying spend, and for all spend in months the AED 7,500 threshold isn't reached in your chosen mode. Up to 100,000 Joy Points can be earned across all spending each month.
WIN option
Enter the AED 250,000 draw every 6 months instead of earning points.
As an alternative to accumulating Joy Points, cardholders can opt into Deem's AED 250,000 prize draw, held every 6 months.
Travel Mode
5Joy Points
per AED 1 on flights, hotel bookings, dining and international spend.
Flights, hotel bookings, dining and international transactions earn 5 Joy Points per AED 1 once AED 7,500 is spent on the card that month; other spend earns the base rate.
Lifestyle Mode
5Joy Points
per AED 1 on entertainment, department stores, supermarkets and dining.
Entertainment, department stores, supermarkets and dining earn 5 Joy Points per AED 1 once AED 7,500 is spent on the card that month; other spend earns the base rate.
Eligibility
25,000AED
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
Cinema Offers
Buy 1 get 1 free movie tickets at VOX and Reel Cinemas.
Buy-one-get-one-free movie ticket offer at VOX Cinemas and Reel Cinemas.
Emaar Entertainment Discount
20% off at Emaar Entertainment venues, including KidZania and Dubai Ice Rink.
20% discount at Emaar Entertainment attractions, including KidZania and Dubai Ice Rink.
Airport Lounge Access
Access to 1,000+ airport lounges worldwide.
Complimentary access to a network of 1,000+ airport lounges worldwide. Deem does not publish the specific lounge program or a visit-count limit.
Trip.com Travel Discount
15% off flights and hotel bookings via Trip.com.
15% discount on flight and hotel bookings made through Trip.com.
Valet Parking
Complimentary valet parking service.
Complimentary valet parking benefit for Deem World Mastercard holders. Deem does not publish specific venues or a visit frequency.
Fees
525AED
Annual Fee
Billed on your card issuance anniversary each year; waived for the first year under the current welcome offer.
Free
Supplementary Card Fee
Free, up to 5 supplementary cards per primary cardholder.
3.75%
Monthly Retail Interest Rate
Applies to retail purchases not paid in full by the due date; up to 51 interest-free days on retail spend.
Monthly Cash Advance Interest Rate3.75%
Cash Advance Fee3.15%*
*3.15% of the cash advance amount or AED 105, whichever is higher, applied to withdrawals up to 50% of your credit limit.
Minimum Payment DueAED 5*
*5% of the outstanding balance (plus VAT, any EPP instalment, insurance premium and over-limit amount), or AED 100, whichever is higher.
International Transaction Fee3.139%*
*Applies to non-AED transactions and to AED transactions processed overseas; includes network fees.
Over Limit ChargeAED 341.25
Late Payment ChargeAED 241.5
Card Replacement FeeAED 78.75
Sales Voucher Retrieval FeeAED 26.25*
*Per copy requested; covers transactions from up to 3 months back.
Liability Letter FeeAED 52.5
No-Liability Certificate FeeAED 52.5
Credit Balance Refund FeeAED 26.25*
*Charged when requesting a cash refund of excess credit; no fee if used toward card spend instead.
Additional Statement FeeAED 26.25*
*E-statements and paper statements are free within your standard monthly cycle.
Balance Transfer Processing Fee4.2%*
*Up to 4.20% of the transferred balance amount.
Easy Payment Plan Monthly Rate2.75%*
*Flat monthly rate on Transaction, Balance Conversion, Easy Cash and Balance Transfer EPPs.
Easy Payment Plan Processing Fee4.2%*
*Up to 4.20% of the transaction amount.
Easy Payment Plan Cancellation FeeAED 262.5*
*Or 1.05% of the remaining principal, whichever is higher. Applies to EPPs booked from August 2018.
Payment Protection Insurance1.04%*
*Optional "Double Secure" add-on; 1.04% of your monthly statement balance.
Electronic Funds Transfer FeeAED 5
Frequently Asked Questions
Get answers to common questions about Deem World Mastercard credit card
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