Aafaq Platinum
Aafaq Platinum is a UAE Islamic covered card with bank-specific benefits. Its published minimum monthly salary is AED 8,000. The listed annual fee is AED 0. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
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
Explore all Aafaq cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 8,000
- Annual fee
- AED 0
- Bank FX charge
- 2.625%; scheme fees may apply
- Monthly profit rate
- 3.99%
- Reward programme
- Other rewards
- Salary transfer required
- No published requirement
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.
Cashback or points earning rules, thresholds and caps
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.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published earning | Category cap / month | Conditions |
|---|---|---|---|
| Ordinary domestic retail | 1 AIF Reward per AED | 50,000 rewards per statement across eligible spending | Exclusions and reduced MCC rates apply |
| Eligible non-AED retail | 2 AIF Rewards per AED | Shared 50,000-reward statement cap | FX and scheme charges apply separately |
| Government and utilities | 0.15 AIF Rewards per AED | Shared statement cap | Qualifying MCCs in the programme terms |
| Fuel, education and real estate | 0.25 AIF Rewards per AED | Shared statement cap | Qualifying MCCs in the programme terms |
| Transport and supermarkets | 0.50 AIF Rewards per AED | Shared statement cap | Transport MCC 4784/7523 and supermarket MCC 5411 |
| Statement-credit redemption | 13,334 rewards = AED 100 | Minimum 13,334 rewards; AED 100 increments | Primary cardholder redeems through Aafaq Digital; rewards expire after two years |
Why this card has no annual AED forecast
No annual reward forecast is assumed; published product features and qualifying conditions are described separately.
Published earning rates, known fees and bank conditions remain available in this review.
Check Aafaq's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
No annual reward forecast is assumed; published product features and qualifying conditions are described separately.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for Aafaq Platinum Credit Card
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
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.
View breakdown
No annual reward forecast is assumed; published product features and qualifying conditions are described separately.
Calculation assumptionsRewards, 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 2026-10-24AIF Rewards earning and redemption terms
Joining-bonus terms: deadline 31 December 2025
Actual official bank product artwork, proportionally encoded for display. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Selected airport lounges through Mastercard benefits; current programme, visit limits, guest access and qualification must be confirmed with Aafaq/Mastercard.
- Cinema: 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.
- 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.
- Golf: No published benefit verified
Exclusions and important product notes
- 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.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
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ADCB · minimum salary AED 5,000
Compare Aafaq Platinum Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare Aafaq Platinum Credit Card with CBD Super Saver Visa Signature Credit CardAafaq Platinum FAQs
What salary do you need for Aafaq Platinum?
The published minimum monthly salary is AED 8,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for Aafaq Platinum?
The listed annual fee is AED 0. Joining fees, recurring plan charges, borrowing costs and transaction fees may be separate. Check the linked official tariff and any waiver conditions.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- Aafaq Platinum Credit Card official product terms
- Aafaq: Official product page
- Aafaq: Covered-card KFS
- Aafaq: AIF Rewards earning and redemption terms
- Aafaq: VOX cinema offer terms
- Aafaq: Valet parking offer terms
- Aafaq: Airport transfer terms
- Aafaq: Meet-and-greet terms
- Aafaq: Joining-bonus terms: deadline 31 December 2025
- Aafaq Platinum Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.