Invest Bank Platinum Credit Card

Yes, the annual fee is AED 525, but it's waived for the first year. From the second year onward, the AED 525 fee applies. There's no joining fee at all — that's listed as Free.

You earn a flat 3% cashback on all spending, with no separate categories or domestic/international split. It's capped at AED 1,000 per month and credited to your account on your next monthly statement. Cash advances, balance transfers, fees, and interest charges are excluded from cashback.

You need a minimum monthly salary of AED 5,000 and must be at least 21 years old to apply.

Cardholders get 20% off 3 Careem rides every month, plus up to 20% off Talabat food and grocery orders twice per month.

It gives access to 25+ VIP airport lounges worldwide through the Marhaba and CAC lounge networks, covering the UAE, Saudi Arabia, Jordan, Kuwait, Egypt, Morocco, the USA, UK, Canada, Germany, France, Singapore, and more.

Cash advances cost 3% of the amount or AED 99, whichever is higher, and are limited to 75% of your card limit. Foreign currency transactions carry a 3% fee. There's also a AED 230 late payment fee, a AED 199 over-limit fee, and a AED 75 card replacement fee.