World Mastercard: 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 first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
Explore all United Arab Bank cards and accounts · Conventional credit 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.
World’s spend gate excludes school fees. School-fee cashback has a separate AED 6,000 annual cap. Titanium/Platinum share a combined AED 500 cap including streaming; do not assign AED 500 independently to every category. 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 1,050
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- 3.79%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
First year free; renewal fee waived at AED 60,000 annual spending.
Cashback or points earning rules, thresholds and caps
3%, 5% or 10% on school fees, fashion and fuel according to non-school monthly spend; 100% streaming. School fees have AED 2,000 monthly and AED 6,000 annual caps.
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 cash value of this reward programme is not verified. No total reward estimate is presented.
World’s spend gate excludes school fees. School-fee cashback has a separate AED 6,000 annual cap. Titanium/Platinum share a combined AED 500 cap including streaming; do not assign AED 500 independently to every category.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
World Mastercard
Dirham Score 2.8/570% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
First year free; renewal fee waived at AED 60,000 annual spending.
View breakdown
World’s spend gate excludes school fees. School-fee cashback has a separate AED 6,000 annual cap. Titanium/Platinum share a combined AED 500 cap including streaming; do not assign AED 500 independently to every category.
Calculation assumptionsRewards, fees & important conditions
Read the full World Mastercard review and fee maths
3%, 5% or 10% on school fees, fashion and fuel according to non-school monthly spend; 100% streaming. School fees have AED 2,000 monthly and AED 6,000 annual caps.
No cinema benefit verified. · Mastercard Travel Pass network; ordinary complimentary visit count and activation need confirmation.
Monthly interest rate: 3.79%. Bank FX charge: Confirm with bank.
First-year fee waiver requires AED 60,000 spend within 365 days. Your forecast meets the spend target.
World’s spend gate excludes school fees. School-fee cashback has a separate AED 6,000 annual cap. Titanium/Platinum share a combined AED 500 cap including streaming; do not assign AED 500 independently to every category.
Current KFS states a generic minimum salary of AED 5,000; approval and tier limits remain subject to underwriting.
The brief’s Visa Platinum/Sadara Visa Infinite names were not found in the current personal-card menu; its current Platinum product is Mastercard.
Use current KFS fees: World AED 1,050; Platinum AED 787.50; Titanium free. The tariff also contains older fee rows explicitly valid only until 14 April 2025.
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: Mastercard Travel Pass network; ordinary complimentary visit count and activation need confirmation.
- 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 salary of AED 5,000; approval and tier limits remain subject to underwriting.
- The brief’s Visa Platinum/Sadara Visa Infinite names were not found in the current personal-card menu; its current Platinum product is Mastercard.
- Use current KFS fees: World AED 1,050; Platinum AED 787.50; Titanium free. The tariff also contains older fee rows explicitly valid only until 14 April 2025.
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 World Mastercard with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare World Mastercard with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare World Mastercard with CBD Super Saver Visa Signature Credit CardOfficial bank sources and application information
- World Mastercard official product terms
- United Arab Bank: Official product page
- United Arab Bank: Official bank terms, tariff or rewards information
- United Arab Bank: Official bank terms, tariff or rewards information
- United Arab Bank: Official bank terms, tariff or rewards information
- World Mastercard 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.