Falak Tayyeb Titanium Credit 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 2.8/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published salary criteria
- + Sharia-compliant product
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
Explore all Mawarid Finance 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.
The official loyalty page advertises 10% in capped categories and 2% on other eligible retail, but describes a promotional transaction period using a 2025 example without confirming the current campaign dates. No annual reward forecast is shown until the applicable period is confirmed. 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 5,000
- Annual fee
- AED 0
- Bank FX charge
- Confirm with bank
- Monthly profit rate
- 3.1%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Free for life.
Cashback or points earning rules, thresholds and caps
10% on eligible grocery, dining and fuel transactions with separate caps; 2% on other eligible retail. Overall monthly cap AED 1,500. Government, utilities, telecom, rent and insurance are excluded.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: AED 1,500. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 10 % cashback | AED 100 | 0 |
| Dining | 10 % cashback | AED 100 | 0 |
| Fuel | 10 % cashback | AED 100 | 0 |
| Utilities | 0 % cashback | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
The official loyalty page advertises 10% in capped categories and 2% on other eligible retail, but describes a promotional transaction period using a 2025 example without confirming the current campaign dates. No annual reward forecast is shown until the applicable period is confirmed.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
Falak Tayyeb Titanium Credit Card
Dirham Score 2.8/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published salary criteria
- + Sharia-compliant product
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
Free for life.
View breakdown
The official loyalty page advertises 10% in capped categories and 2% on other eligible retail, but describes a promotional transaction period using a 2025 example without confirming the current campaign dates. No annual reward forecast is shown until the applicable period is confirmed.
Calculation assumptionsRewards, fees & important conditions
Read the full Falak Tayyeb Titanium Credit Card review and fee maths
10% on eligible grocery, dining and fuel transactions with separate caps; 2% on other eligible retail. Overall monthly cap AED 1,500. Government, utilities, telecom, rent and insurance are excluded.
No cinema benefit verified. · Flight-delay lounge benefit only.
Monthly profit rate: 3.1%. Bank FX charge: Confirm with bank.
The official loyalty page advertises 10% in capped categories and 2% on other eligible retail, but describes a promotional transaction period using a 2025 example without confirming the current campaign dates. No annual reward forecast is shown until the applicable period is confirmed.
Current KFS states a generic minimum monthly income of AED 5,000. World requires a minimum AED 20,000 credit limit and World Elite AED 30,000; those are credit limits, not minimum salaries.
The current loyalty page publishes the 10% and 2% rates with tier caps, but its promotional-period clause has no current end date.
The current Titanium page advertises flight-delay lounge assistance, not ordinary complimentary lounge access.
Software, digital goods, business services and other listed merchant codes are also excluded. The full exclusion list is in the official loyalty terms.
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: Flight-delay lounge benefit only.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Current KFS states a generic minimum monthly income of AED 5,000. World requires a minimum AED 20,000 credit limit and World Elite AED 30,000; those are credit limits, not minimum salaries.
- The current loyalty page publishes the 10% and 2% rates with tier caps, but its promotional-period clause has no current end date.
- The current Titanium page advertises flight-delay lounge assistance, not ordinary complimentary lounge access.
- Software, digital goods, business services and other listed merchant codes are also excluded. The full exclusion list is in the official loyalty terms.
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 Falak Tayyeb Titanium Credit Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare Falak Tayyeb Titanium Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare Falak Tayyeb Titanium Credit Card with CBD Super Saver Visa Signature Credit CardOfficial bank sources and application information
- Falak Tayyeb Titanium Credit Card official product terms
- Mawarid Finance: Official product page
- Mawarid Finance: Official bank terms, tariff or rewards information
- Mawarid Finance: Official bank terms, tariff or rewards information
- Mawarid Finance: Official bank terms, tariff or rewards information
- Falak Tayyeb 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.