Aafaq · UAE CARD REVIEW

Aafaq World Elite

Aafaq World Elite is a UAE Islamic covered card with bank-specific benefits. Its published minimum monthly salary is AED 20,000. The listed annual fee is AED 1,050 before the conditional first-year waiver. A reliable AED reward estimate is not yet available.

Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.

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 20,000

Annual fee

AED 1,050

Bank FX charge

2.625%; scheme fees may apply

Monthly profit rate

3.99%

Reward programme

Other rewards

Salary transfer required

No published requirement

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.

Cashback or points earning rules, thresholds and caps

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.

Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.

First-year AED value and conditional welcome offers

An annual reward forecast is not available for this card. Review the programme and transaction limitations below.

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.

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 World Elite Credit Card

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 offer Add to compareRead full review & fee mathsCard details & offers

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

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

Lounge, cinema, valet and golf conditions

• Airport lounges: 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.
• Cinema: 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.
• 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.
• Golf: Published benefit; qualifying conditions apply

Exclusions and important product notes

• 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.

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.

Official bank sources and application information

• Aafaq World Elite Credit Card official product terms
• Aafaq: Official product page
• Aafaq: Current World Elite rewards, welcome and lifestyle terms
• Aafaq: Covered-card KFS: salary, profit and annual fees
• Aafaq: Published schedule of charges
• Aafaq: General AIF Rewards terms: older Royal World Elite wording
• Aafaq World Elite 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.