What happens if I don't reach the AED 7,500 monthly spend threshold?

If your card spend for the month falls short of AED 7,500 in your chosen mode, none of that mode's categories get the accelerated rate — every category, including the usually-qualifying ones, earns the base 0.5 Joy Points per AED 1 instead.

Is there a welcome offer on this card?

The Deem World Mastercard currently advertises a first-year annual fee waiver. Deem has previously run limited-time welcome bonus promotions on this card; check the current offer on Deem's website before applying, as these change over time.

What is the minimum salary required for the Deem World Mastercard?

Deem states this card is available to applicants with a monthly income of AED 25,000 or above.

What is the annual fee on the Deem World Mastercard?

The annual membership fee is AED 525, billed on your card issuance anniversary. It is currently waived for the first year under Deem's welcome offer; supplementary cards (up to 5) are free.

What benefits does the Deem World Mastercard include besides earning Joy Points?

Beyond the Joy Points program, the card gives you buy-one-get-one-free movie tickets at VOX and Reel Cinemas, 20% off Emaar Entertainment venues like KidZania and Dubai Ice Rink, and 15% off flights and hotel bookings through Trip.com.

Kredit

Joining Fee: Free
Annual Fee: AED 525
Minimum Salary: AED 25,000

Deem World Mastercard

Earn Joy Points in Travel or Lifestyle mode, plus airport lounge access and a first-year fee waiver.

Updated Sep 2026

Website

At a glance

Welcome offer

Fee waiver

First Year Free

Rewards

Per AED 1 in your chosen mode's categories, once you spend AED 7,500 on the card that monthJoy Points 5

Per AED 1 on all other spending, and on every category if the monthly threshold isn't metJoy Points 0.5

Enter the AED 250,000 draw every 6 months instead of earning pointsWIN option

Per AED 1 on flights, hotel bookings, dining and international spendJoy Points 5

Per AED 1 on entertainment, department stores, supermarkets and diningJoy Points 5

See all rewards

Fees and eligibility

Joining Fee

Free

Annual FeeAED 525

Minimum SalaryAED 25,000

International Transaction Fee

3.139%

See all fees

Top benefits

Cinema Offers

Emaar Entertainment Discount

Trip.com Travel Discount

See all benefits

Welcome offer

First Year Free

No annual fee in your first year.

Rewards

5Joy Points

per AED 1 in your chosen mode's categories, once you spend AED 7,500 on the card that month.

0.5Joy Points

per AED 1 on all other spending, and on every category if the monthly threshold isn't met.

WIN option

Enter the AED 250,000 draw every 6 months instead of earning points.

Travel Mode

5Joy Points

per AED 1 on flights, hotel bookings, dining and international spend.

Lifestyle Mode

5Joy Points

per AED 1 on entertainment, department stores, supermarkets and dining.

My Wallet

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Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

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Eligibility

25,000AED

Minimum Income

Documents ready

Emirates ID + passport with residence visa

Check your AECB report

Recent rejections or missed payments can stall approval

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150,000 Miles on AED 70,000
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12 Miles/AED on Voyager Portal
6 Miles/AED on other travel

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Additional Benefits

Cinema Offers

Buy 1 get 1 free movie tickets at VOX and Reel Cinemas.

Emaar Entertainment Discount

20% off at Emaar Entertainment venues, including KidZania and Dubai Ice Rink.

Trip.com Travel Discount

15% off flights and hotel bookings via Trip.com.

Fees

525AED

Annual Fee

Free

Supplementary Card Fee

3.75%

Monthly Retail Interest Rate

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 Due5%*

*5% of the outstanding balance, plus applicable taxes, EPP instalments, insurance premiums and any over-limit amount; minimum AED 100.

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

Important Stuff

Key Facts Statement

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Schedule of Fees & Charges

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Frequently Asked Questions

Get answers to common questions about Deem World Mastercard credit card

Each calendar month, choose a Travel or Lifestyle mode. If you spend AED 7,500 on eligible purchases 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.

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Joining Fee: Free
Annual Fee: AED 525
Minimum Salary: AED 25,000

Deem World Mastercard

Earn Joy Points in Travel or Lifestyle mode, plus airport lounge access and a first-year fee waiver.

Updated Sep 2026

Website