UAB Titanium Credit Card

Yes. Make one mobile-wallet payment and one taxi or food-delivery app transaction within 30 days of receiving the card to unlock a complimentary ENTERTAINER VIP Key, delivered via SMS within 45 days.

UAB's Key Facts Statement documents a flat 1.5% cashback rate on retail purchases. The product page separately advertises up to 5% cashback on groceries and fuel and 100% cashback on video streaming subscriptions, without a published cap — confirm current terms with UAB.

Up to 50 days from the statement date, provided the full outstanding balance is paid by the due date.

The first-year annual fee is waived for all cardholders. From year two, a AED 315 annual fee applies.

Applicants must be at least 21 years old, UAE residents holding a valid passport and Emirates ID, and earn a minimum salary of AED 6,000 per month. If your approved credit limit exceeds AED 100,000, UAB may also require an undated security cheque for up to 120% of that limit.

Foreign currency transactions carry a 3.15% currency conversion fee plus a separate 2.63% issuer markup fee, both disclosed in UAB's Key Facts Statement. UAB does not publish how the two charges combine on a single transaction, so it's worth confirming the total foreign-spend cost directly with the bank before you travel.