Aafaq Titanium
Aafaq Titanium is a UAE Islamic covered card with bank-specific benefits. Its published minimum monthly salary is AED 5,000. The listed annual fee is AED 210. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
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
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 5,000
- Annual fee
- AED 210
- Bank FX charge
- 2.625%; scheme fees may apply
- Monthly profit rate
- 3.99%
- Reward programme
- Other rewards
- Salary transfer required
- No published requirement
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.
Cashback or points earning rules, thresholds and caps
Payment and merchant-discount features; no regular rewards earning rate verified.
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 |
|---|
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 Titanium Credit Card
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
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.
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 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 2026-10-24Covered-card KFS: salary, annual fees, profit and FX
Actual official bank product artwork, proportionally encoded for display. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary lounge entitlement independently verified.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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%.
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
Compare Aafaq Titanium Credit Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare Aafaq Titanium Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare Aafaq Titanium Credit Card with CBD Super Saver Visa Signature Credit CardAafaq Titanium FAQs
What salary do you need for Aafaq Titanium?
The published minimum monthly salary is AED 5,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for Aafaq Titanium?
The listed annual fee is AED 210. AED 210 including VAT; first billed fee reversed after AED 5,000 spending within 12 months of issuance. Renewal fees are charged annually.
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 Titanium Credit Card official product terms
- Aafaq: Official product page
- Aafaq: Covered-card KFS: salary, annual fees, profit and FX
- Aafaq: Published schedule of charges
- Aafaq Titanium 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.