Deem Finance World Credit Card
Swipe Smart. Earn Big Get up to 100,000 in Joy Points or enter to WIN AED 250,000. Your Rewards. Your Way.
Overview
- ✓Joy: Up to 100,000 Joy Points/month on lifestyle or travel OR
- ✓WIN: Enter our AED 250,000 draw every 6 months
- ✓First Year Free
- ✓Buy 1 Get 1 Free movie tickets at VOX & REEL cinemas
- ✓Enjoy 20% off at Kidzania, Dubai Ice Rink and other Emaar Entertainment properties
- ✓1,000+ lounges worldwide
- ✓Enjoy 15% off on flights and hotels bookings via Trip.com
- ✓Complimentary valet parking service
Eligibility
- ✓Eligible for monthly income of AED 25,000 and above
Fees & Charges
Top Benefits
Airport Lounge
Complimentary access to selected airport lounges.
Cashback
Earn cashback on eligible spends.
Cinema Offers
Benefit available as per bank terms and conditions.
Hotel Discounts
Benefit available as per bank terms and conditions.
Valet Parking
Complimentary valet parking at selected venues.
Documents Required
- ✓Applicants will typically need:
- ✓Valid Emirates ID
- ✓Passport copy
- ✓Salary certificate or payslips for the last three months
- ✓Bank statements for the last three months
Creditcardfinder Score
Score based on Balanced card value, higher salary eligibility, standard annual fee, multiple selected benefits. Final approval and card terms remain subject to bank policy.
About Deem Finance
Deem Finance is a UAE-based financial services company offering credit cards, personal loans and corporate deposit solutions to individuals and businesses. Part of the Gargash Group and regulated by the Central Bank of the UAE, Deem Finance focuses on providing accessible, responsible and digitally enabled financial products designed for customers’ evolving needs. Its range of Deem credit cards includes cashback, rewards, travel and lifestyle benefits, while its personal finance solutions provide eligible UAE residents with flexible borrowing options. Customers should compare the applicable fees, interest rates, eligibility requirements and product terms before applying for any Deem Finance product.
FAQs
What is the minimum salary required for the Deem World Credit Card?
Applicants generally need a minimum monthly salary of AED 25,000 to apply for the Deem World Credit Card. Approval and the assigned credit limit remain subject to Deem Finance’s eligibility requirements, credit assessment and the applicant’s AECB credit profile.
What rewards can I earn with the Deem World Credit Card?§
Cardholders can choose the JOY rewards programme and earn up to 100,000 accelerated Joy Points per month on eligible lifestyle or travel spending. Alternatively, they can select the WIN programme to receive entries into Deem’s AED 250,000 draw held every six months. Earning rates, eligible categories and monthly limits are subject to the programme terms.
Does the Deem World Credit Card offer airport lounge access?
Yes. The Deem World Credit Card provides eligible cardholders with access to more than 1,000 airport lounges worldwide through participating lounge networks. Registration, qualifying-spend requirements, visit limits and guest charges may apply depending on the lounge programme’s current terms.
What is the annual fee for the Deem World Credit Card?
The Deem World Credit Card is currently offered free for the first year. After the introductory period, an annual membership fee of AED 525 inclusive of VAT applies. Deem also provides up to five supplementary cards without an annual membership fee under its current fee schedule.
What interest rate applies to the Deem World Credit Card?
Under Deem Finance’s March 2026 schedule, the interest rate for the Deem World Credit Card is 3.75% per month for both retail and cash transactions. No finance charge is applied to eligible retail balances when the full statement outstanding is paid on or before the due date. Cash transactions do not receive an interest-free period, and applicable cash-advance fees may also apply.
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