ULTRACASH Mastercard Touch Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 2.9/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Perk activation and qualifying conditions apply
Explore all Ajman Bank cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Conservative base-only estimate: the two optional accelerated categories are not included. UAE nationals receive 10% on fuel for the first three months, then 5%; that temporary rate is excluded. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 10,000
- Annual fee
- AED 315
- Bank FX charge
- Confirm with bank
- Monthly profit rate
- 3.5%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Standard expat315/national525VAT included; no unconditional waiver verified.
Cashback or points earning rules, thresholds and caps
Choose two categories: fuel 5% capped at AED 400, school fees 5% capped at AED 200, supermarkets 5% capped at AED 100, or online shopping 5% capped at AED 100 per statement. Other eligible retail earns 1%.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
First-year AED value and conditional welcome offers
The benchmark produces AED 885 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.
Conservative base-only estimate: the two optional accelerated categories are not included. UAE nationals receive 10% on fuel for the first three months, then 5%; that temporary rate is excluded.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
ULTRACASH Mastercard Touch Card
Dirham Score 2.9/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Perk activation and qualifying conditions apply
Standard expat315/national525VAT included; no unconditional waiver verified.
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,200
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 315
Actual modelled netAED 885
Conservative base-only estimate: the two optional accelerated categories are not included. UAE nationals receive 10% on fuel for the first three months, then 5%; that temporary rate is excluded.
Calculation assumptionsRewards, fees & important conditions
Read the full ULTRACASH Mastercard Touch Card review and fee maths
Choose two categories: fuel 5% capped at AED 400, school fees 5% capped at AED 200, supermarkets 5% capped at AED 100, or online shopping 5% capped at AED 100 per statement. Other eligible retail earns 1%.
No cinema benefit verified. · Not established from product page.
Monthly profit rate: 3.5%. Bank FX charge: Confirm with bank.
Conservative base-only estimate: the two optional accelerated categories are not included. UAE nationals receive 10% on fuel for the first three months, then 5%; that temporary rate is excluded.
Annual fee is AED 300 plus VAT (AED 315) for expatriates, or AED 500 plus VAT (AED 525) for UAE nationals. The forecast uses the expatriate fee.
The welcome cash offer requires payment of the annual fee and one retail transaction within 30 days. Its nationality-specific amount is excluded from this base-only forecast.
The current product page does not substantiate a blanket first-year-free claim.
Official bank source · checked 2026-10-22Official bank terms, tariff or rewards information
Official bank terms, tariff or rewards information
Official bank terms, tariff or rewards information
Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Not established from product page.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Annual fee is AED 300 plus VAT (AED 315) for expatriates, or AED 500 plus VAT (AED 525) for UAE nationals. The forecast uses the expatriate fee.
- The welcome cash offer requires payment of the annual fee and one retail transaction within 30 days. Its nationality-specific amount is excluded from this base-only forecast.
- The current product page does not substantiate a blanket first-year-free claim.
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 ULTRACASH Mastercard Touch Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare ULTRACASH Mastercard Touch Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare ULTRACASH Mastercard Touch Card with CBD Super Saver Visa Signature Credit CardOfficial bank sources and application information
- ULTRACASH Mastercard Touch Card official product terms
- Ajman Bank: Official product page
- Ajman Bank: Official bank terms, tariff or rewards information
- Ajman Bank: Official bank terms, tariff or rewards information
- Ajman Bank: Official bank terms, tariff or rewards information
- ULTRACASH Mastercard Touch 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.