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Aafaq UAE Credit Cards and Bank Accounts

Explore 3 current card products and 0 accounts in our source-reviewed catalogue. Issuer approval, relationship requirements and current campaign terms apply. No bank pays for its position here.

Aafaq accounts and salary options

No account product from this bank has been verified in our current account catalogue.

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THE UAE REWARDS DIRECTORY

UAE Credit Card Comparison

Credit cardsBank accounts
229 current cards · 32 issuers / brandsSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.
All cardsCashbackAirline milesFree for lifeSchool feesLounge accessCinema offers
3 cards found
Aafaq Titanium Credit Card — official bank artwork
Sharia-compliant
AafaqBANK-SOURCED

Aafaq Titanium Credit Card

Dirham Score 2.5/570% data coverage · editorial methodHow this score works

  • + Official fees and product sources linked
  • + Published salary criteria
  • + Sharia-compliant product
  • − Annual reward forecast unavailable
  • − Bank FX charge 2.625%; scheme charges may apply
Min. salary: AED 5,000
Other rewards · Annual estimate unavailable
Annual fee AED 210Conditional first-year waiver

AED 210 including VAT; first billed fee reversed after AED 5,000 spending within 12 months of issuance. Renewal fees are charged annually.

For salaried applicants, the KFS allocates Titanium to monthly income of AED 5,000–7,999 and age 21–65. Self-employed applicants require average monthly turnover of AED 50,000 and at least two years in business. Product allocation and approval remain subject to Aafaq assessment.

VALUE NOT FULLY MODELLED
Not estimated
View breakdown

No annual reward forecast is assumed; published product features and qualifying conditions are described separately.

Calculation assumptions
View bank offerRead full review & fee maths
Rewards, fees & important conditions

Read the full Aafaq Titanium Credit Card review and fee maths

Payment and merchant-discount features; no regular rewards earning rate verified.

No cinema benefit verified. · No complimentary lounge entitlement independently verified.

Monthly profit rate: 3.99%. Bank FX charge: 2.625%.

First-year fee waiver requires AED 5,000 spend within 365 days. Your forecast meets the spend target.

No annual reward forecast is assumed; published product features and qualifying conditions are described separately.

The annual fee is AED 210 including VAT. The first statement fee is reversed after AED 5,000 spending within 12 months of card issuance. The KFS states that the fee is charged annually on renewal; it does not promise the same spending waiver every year.

The product promotes payment plans, balance transfers, finance on phone and merchant discounts. A regular cashback or AIF Rewards earning entitlement for Titanium was not verified. Promotional 0% payment-plan or balance-transfer headlines are separate from the standard 3.99% monthly profit rate.

The bank foreign-currency charge is 2.625% including VAT, excluding Mastercard scheme charges. The KFS estimates the separate scheme fee at approximately 1.15%.

Official bank source · checked 2026-10-24

Official product page

Covered-card KFS: salary, annual fees, profit and FX

Published schedule of charges

Actual official bank product artwork, proportionally encoded for display. Image source

Aafaq

Aafaq Titanium Credit Card

Aafaq Titanium Credit Card — official bank artwork

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Aafaq Titanium Credit Card review and fee maths

Payment and merchant-discount features; no regular rewards earning rate verified.

No cinema benefit verified. · No complimentary lounge entitlement independently verified.

Monthly profit rate: 3.99%. Bank FX charge: 2.625%.

First-year fee waiver requires AED 5,000 spend within 365 days. Your forecast meets the spend target.

No annual reward forecast is assumed; published product features and qualifying conditions are described separately.

The annual fee is AED 210 including VAT. The first statement fee is reversed after AED 5,000 spending within 12 months of card issuance. The KFS states that the fee is charged annually on renewal; it does not promise the same spending waiver every year.

The product promotes payment plans, balance transfers, finance on phone and merchant discounts. A regular cashback or AIF Rewards earning entitlement for Titanium was not verified. Promotional 0% payment-plan or balance-transfer headlines are separate from the standard 3.99% monthly profit rate.

The bank foreign-currency charge is 2.625% including VAT, excluding Mastercard scheme charges. The KFS estimates the separate scheme fee at approximately 1.15%.

Official bank source · checked 2026-10-24

Official product page

Covered-card KFS: salary, annual fees, profit and FX

Published schedule of charges

Actual official bank product artwork, proportionally encoded for display. Image source

Aafaq Platinum Credit Card — official bank artwork
Sharia-compliant
AafaqBANK-SOURCED

Aafaq Platinum Credit Card

Dirham Score 4.1/570% data coverage · editorial methodHow this score works

  • + Published free-for-life annual fee
  • + Published airport lounge benefit
  • + Sharia-compliant product
  • − Annual reward forecast unavailable
  • − Bank FX charge 2.625%; scheme charges may apply
Min. salary: AED 8,000
Other rewards · Annual estimate unavailableCinema perksLounge access
Annual fee Free for life

The KFS allocates Platinum to salaried monthly income of AED 8,000–19,999 and age 21–65. Self-employed applicants require average monthly turnover of AED 50,000 and at least two years in business. Approval is subject to Aafaq assessment.

VALUE NOT FULLY MODELLED
Not estimated
View breakdown

No annual reward forecast is assumed; published product features and qualifying conditions are described separately.

Calculation assumptions
View bank offerRead full review & fee maths
Rewards, fees & important conditions

Read the full Aafaq Platinum Credit Card review and fee maths

1 AIF Reward per AED on ordinary domestic retail; 2 on eligible non-AED retail. At the published statement-credit conversion, these are approximately 0.75% and 1.5% cash equivalent before fees; reduced-category rates apply.

VOX buy one, get one free: up to four free tickets per calendar month after AED 5,000 qualifying retail spend, combining primary and supplementary cards. Book online or in the VOX app; eligible screening formats and exclusions apply. The free-ticket cost is charged back if the spending gate is missed. · Selected airport lounges through Mastercard benefits; current programme, visit limits, guest access and qualification must be confirmed with Aafaq/Mastercard.

Valet: Two standard valet visits per calendar month at participating locations after AED 5,000 qualifying retail spend. Primary and supplementary spending and visits are combined; AED 105 per visit applies if the spending gate is missed or the allowance is exceeded.

Monthly profit rate: 3.99%. Bank FX charge: 2.625%.

No annual reward forecast is assumed; published product features and qualifying conditions are described separately.

Free for life. Earn 1 AIF Reward per AED 1 on ordinary eligible domestic retail and 2 per AED 1 on eligible non-AED retail, capped at 50,000 rewards per statement. Reduced-category rates and exclusions apply.

The linked AIF Rewards terms allow statement-credit redemption at 13,334 rewards for AED 100, in AED 100 increments. This is about 0.75% cash equivalent at 1 reward per AED, or 1.5% at 2 rewards per AED, rather than treating the advertised rewards percentages as guaranteed cash rates. Rewards expire after two years.

Government and utilities earn 0.15 rewards per AED; fuel, education and real estate earn 0.25; eligible transport and supermarkets earn 0.50. Fees, profit, cash advances, finance on phone, balance transfers, reversals, exchange-house and charity transactions do not earn rewards.

The live page advertises an AED 250 joining bonus, but the linked terms require applications by 31 December 2025. No current welcome value is included until Aafaq confirms an extension.

Two airport transfers and two meet-and-greet services per calendar year are available after AED 5,000 qualifying spending in the service-request month. Flight tickets must have been bought with the card within 60 days of booking; book at least two working days ahead. Transfer service is restricted to Dubai/Abu Dhabi city limits and charges AED 1 per booking. Meet-and-greet applies at DXB/DWC; fees apply if conditions are missed.

Official bank source · checked 2026-10-24

Official product page

Covered-card KFS

AIF Rewards earning and redemption terms

VOX cinema offer terms

Valet parking offer terms

Airport transfer terms

Meet-and-greet terms

Joining-bonus terms: deadline 31 December 2025

Actual official bank product artwork, proportionally encoded for display. Image source

Aafaq

Aafaq Platinum Credit Card

Aafaq Platinum Credit Card — official bank artwork

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Aafaq Platinum Credit Card review and fee maths

1 AIF Reward per AED on ordinary domestic retail; 2 on eligible non-AED retail. At the published statement-credit conversion, these are approximately 0.75% and 1.5% cash equivalent before fees; reduced-category rates apply.

VOX buy one, get one free: up to four free tickets per calendar month after AED 5,000 qualifying retail spend, combining primary and supplementary cards. Book online or in the VOX app; eligible screening formats and exclusions apply. The free-ticket cost is charged back if the spending gate is missed. · Selected airport lounges through Mastercard benefits; current programme, visit limits, guest access and qualification must be confirmed with Aafaq/Mastercard.

Valet: Two standard valet visits per calendar month at participating locations after AED 5,000 qualifying retail spend. Primary and supplementary spending and visits are combined; AED 105 per visit applies if the spending gate is missed or the allowance is exceeded.

Monthly profit rate: 3.99%. Bank FX charge: 2.625%.

No annual reward forecast is assumed; published product features and qualifying conditions are described separately.

Free for life. Earn 1 AIF Reward per AED 1 on ordinary eligible domestic retail and 2 per AED 1 on eligible non-AED retail, capped at 50,000 rewards per statement. Reduced-category rates and exclusions apply.

The linked AIF Rewards terms allow statement-credit redemption at 13,334 rewards for AED 100, in AED 100 increments. This is about 0.75% cash equivalent at 1 reward per AED, or 1.5% at 2 rewards per AED, rather than treating the advertised rewards percentages as guaranteed cash rates. Rewards expire after two years.

Government and utilities earn 0.15 rewards per AED; fuel, education and real estate earn 0.25; eligible transport and supermarkets earn 0.50. Fees, profit, cash advances, finance on phone, balance transfers, reversals, exchange-house and charity transactions do not earn rewards.

The live page advertises an AED 250 joining bonus, but the linked terms require applications by 31 December 2025. No current welcome value is included until Aafaq confirms an extension.

Two airport transfers and two meet-and-greet services per calendar year are available after AED 5,000 qualifying spending in the service-request month. Flight tickets must have been bought with the card within 60 days of booking; book at least two working days ahead. Transfer service is restricted to Dubai/Abu Dhabi city limits and charges AED 1 per booking. Meet-and-greet applies at DXB/DWC; fees apply if conditions are missed.

Official bank source · checked 2026-10-24

Official product page

Covered-card KFS

AIF Rewards earning and redemption terms

VOX cinema offer terms

Valet parking offer terms

Airport transfer terms

Meet-and-greet terms

Joining-bonus terms: deadline 31 December 2025

Actual official bank product artwork, proportionally encoded for display. Image source

Aafaq World Elite Credit Card — official bank artwork
Sharia-compliant
AafaqBANK-SOURCED

Aafaq World Elite Credit Card

Dirham Score 3.8/570% data coverage · editorial methodHow this score works

  • + Published first-year fee waiver
  • + Published airport lounge benefit
  • + Sharia-compliant product
  • − Annual reward forecast unavailable
  • − Bank FX charge 2.625%; scheme charges may apply
Min. salary: AED 20,000
Other rewards · Annual estimate unavailableCinema perksLounge access
Annual fee AED 1,050First year waived

First year free. Renewal is AED 1,050 including VAT unless annual qualifying spending reaches AED 100,000.

Minimum salaried monthly income AED 20,000; age 21–65. The KFS also permits qualifying self-employed applicants with average monthly turnover of AED 50,000 and at least two years in business. Approval is subject to Aafaq assessment.

VALUE NOT FULLY MODELLED
Not estimated
View breakdown

Current earning rates are documented in points. A comparable annual AED forecast awaits confirmation of the current World Elite redemption conversion and complete category classification; lifestyle benefits and prize chances are not added to cash rewards.

Calculation assumptions
View bank offerRead full review & fee maths
Rewards, fees & important conditions

Read the full Aafaq World Elite Credit Card review and fee maths

5 AIF Rewards per AED on eligible dining and online shopping; 3 on eligible non-AED retail; 1 on other eligible retail; 0.15 on selected MCCs. Category and overall monthly points caps apply. These are not assumed to equal cashback percentages.

VOX buy one, get one free: up to six free tickets per calendar month after AED 8,000 qualifying retail spend, combining primary and supplementary cards. Book online or in the VOX app; screening conditions apply and missed spending gates trigger a chargeback. · Official product page advertises airport lounge access for the cardholder and a guest. The current programme, visit limits, registration and qualification conditions require confirmation with Aafaq/Mastercard.

Valet: Six standard valet visits per calendar month at selected UAE locations after AED 8,000 qualifying retail spend. Primary and supplementary usage is combined; AED 105 per visit applies when the spending gate is missed or the allowance is exceeded.

Monthly profit rate: 3.99%. Bank FX charge: 2.625%.

First-year fee waiver requires AED 100,000 spend within 365 days. Your forecast meets the spend target.

Current earning rates are documented in points. A comparable annual AED forecast awaits confirmation of the current World Elite redemption conversion and complete category classification; lifestyle benefits and prize chances are not added to cash rewards.

First year free. The annual renewal fee is AED 1,050 including VAT, waived after AED 100,000 annual qualifying spending.

The October 2026 offer terms award 5 AIF Rewards per AED on eligible dining and online shopping, 3 on eligible non-AED spending, 1 on other eligible retail and 0.15 on selected reduced categories. Monthly caps are 10,000 dining rewards, 10,000 online rewards, 20,000 non-AED rewards and 60,000 other-retail rewards, within an overall 100,000-reward monthly cap.

These are points earning rates. A cash forecast is withheld because the linked general rewards document describes the older Royal World Elite product, while the current World Elite has a different earn schedule. Confirm the current World Elite statement-credit conversion before treating a 5-reward earn rate as 5% cash.

The welcome offer gives 20% cashback at eligible Amazon.ae, noon.com, Careem and talabat websites/apps in the first 90 days, capped at AED 50 per merchant per month and AED 600 for the offer period. Merchant identification and new-customer eligibility apply; cashback is credited within 60 days after transaction posting. The on-page calculator shows a lower noon illustration, so the written offer terms should be confirmed before relying on the maximum.

Complimentary lifestyle benefits require AED 8,000 qualifying retail spending in the relevant calendar month: six VOX free tickets through buy-one-get-one, six valet visits, two golf sessions, four padel sessions, four airport transfers and four meet-and-greet services per year. Tickets, locations, advance booking, claim deadlines and service charges apply; missed gates or excess usage are charged.

Selected reduced-rate categories include utilities, government, education, supermarkets, fuel, transport, telecom, insurance and real estate. The bank foreign-currency charge is 2.625% including VAT, plus separate Mastercard scheme charges.

Official bank source · checked 2026-10-24

Official product page

Current World Elite rewards, welcome and lifestyle terms

Covered-card KFS: salary, profit and annual fees

Published schedule of charges

General AIF Rewards terms: older Royal World Elite wording

Actual official bank product artwork, proportionally encoded for display. Image source

Aafaq

Aafaq World Elite Credit Card

Aafaq World Elite Credit Card — official bank artwork

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Aafaq World Elite Credit Card review and fee maths

5 AIF Rewards per AED on eligible dining and online shopping; 3 on eligible non-AED retail; 1 on other eligible retail; 0.15 on selected MCCs. Category and overall monthly points caps apply. These are not assumed to equal cashback percentages.

VOX buy one, get one free: up to six free tickets per calendar month after AED 8,000 qualifying retail spend, combining primary and supplementary cards. Book online or in the VOX app; screening conditions apply and missed spending gates trigger a chargeback. · Official product page advertises airport lounge access for the cardholder and a guest. The current programme, visit limits, registration and qualification conditions require confirmation with Aafaq/Mastercard.

Valet: Six standard valet visits per calendar month at selected UAE locations after AED 8,000 qualifying retail spend. Primary and supplementary usage is combined; AED 105 per visit applies when the spending gate is missed or the allowance is exceeded.

Monthly profit rate: 3.99%. Bank FX charge: 2.625%.

First-year fee waiver requires AED 100,000 spend within 365 days. Your forecast meets the spend target.

Current earning rates are documented in points. A comparable annual AED forecast awaits confirmation of the current World Elite redemption conversion and complete category classification; lifestyle benefits and prize chances are not added to cash rewards.

First year free. The annual renewal fee is AED 1,050 including VAT, waived after AED 100,000 annual qualifying spending.

The October 2026 offer terms award 5 AIF Rewards per AED on eligible dining and online shopping, 3 on eligible non-AED spending, 1 on other eligible retail and 0.15 on selected reduced categories. Monthly caps are 10,000 dining rewards, 10,000 online rewards, 20,000 non-AED rewards and 60,000 other-retail rewards, within an overall 100,000-reward monthly cap.

These are points earning rates. A cash forecast is withheld because the linked general rewards document describes the older Royal World Elite product, while the current World Elite has a different earn schedule. Confirm the current World Elite statement-credit conversion before treating a 5-reward earn rate as 5% cash.

The welcome offer gives 20% cashback at eligible Amazon.ae, noon.com, Careem and talabat websites/apps in the first 90 days, capped at AED 50 per merchant per month and AED 600 for the offer period. Merchant identification and new-customer eligibility apply; cashback is credited within 60 days after transaction posting. The on-page calculator shows a lower noon illustration, so the written offer terms should be confirmed before relying on the maximum.

Complimentary lifestyle benefits require AED 8,000 qualifying retail spending in the relevant calendar month: six VOX free tickets through buy-one-get-one, six valet visits, two golf sessions, four padel sessions, four airport transfers and four meet-and-greet services per year. Tickets, locations, advance booking, claim deadlines and service charges apply; missed gates or excess usage are charged.

Selected reduced-rate categories include utilities, government, education, supermarkets, fuel, transport, telecom, insurance and real estate. The bank foreign-currency charge is 2.625% including VAT, plus separate Mastercard scheme charges.

Official bank source · checked 2026-10-24

Official product page

Current World Elite rewards, welcome and lifestyle terms

Covered-card KFS: salary, profit and annual fees

Published schedule of charges

General AIF Rewards terms: older Royal World Elite wording

Actual official bank product artwork, proportionally encoded for display. Image source

First-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.

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