Aafaq Islamic Finance
Titanium Credit Card
The Titanium Credit Card is a cashback credit card from Aafaq Islamic Finance. It has an annual fee of AED 210, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 210
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Card highlights
- No rewards programme: this card carries no cashback or points earning
- Annual fee AED 210, waived if you spend AED 5,000 in the first 12 months
- Mastercard Priceless offers and Aafaq discount offers
Current welcome offer
Annual fee waived if you spend AED 5,000 within 12 months of card issuance
- AED 200 plus VAT annual fee is billed on activation, then reversed once the spend condition is met
- Fee applies again each year on renewal
Benefits & perks
- •0% profit Easy Payment Plans (instalments on purchases)
- •0% balance transfer for up to 12 months
- •Balance transfers from other bank cards via the Aafaq Digital App, repayable over 3 to 48 months
- •Finance on Phone: convert available credit limit to cash via the Aafaq Digital App
- •Supplementary cards at no fee
- •Annual fee waived with AED 5,000 spend within 12 months of card issuance
- •Mastercard Priceless offers
- •Aafaq partner discount offers
Every card is checked against official bank sources. Last updated November 2026.
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Questions people ask
What does the Aafaq Islamic Finance Titanium Credit Card earn?
A Shariah-compliant Titanium Mastercard from Aafaq, a UAE finance company rather than a bank, for monthly incomes of AED 5,000 to AED 7,999, that earns no cashback or points at all; its value is a 0% balance transfer for 12 months, 0% profit Easy Payment Plans and Mastercard Priceless offers, with an AED 210 annual fee.
What does the Aafaq Islamic Finance Titanium Credit Card cost?
Annual fee AED 200 plus VAT (AED 210), billed after card activation and reversed if you spend AED 5,000 within 12 months of card issuance; it is then billed every year on renewal. No joining fee. Supplementary cards carry no fee: Aafaq's Key Facts Statement charges AED 0 from the 4th card onwards on Titanium. Monthly profit rate 3.99%; minimum payment 5%, at least AED 100.
What does spending abroad cost on the Aafaq Islamic Finance Titanium Credit Card?
Spending in a foreign currency costs about 3.78% all in: Aafaq's 2.5% foreign currency fee plus VAT (2.625%), plus about 1.15% for Mastercard, a figure Aafaq publishes itself.
What should I watch out for with the Aafaq Islamic Finance Titanium Credit Card?
It earns nothing on any spending. The AED 210 fee is reversed only if you spend AED 5,000 within 12 months of card issuance, and it is then billed every year on renewal. It is only for monthly incomes of AED 5,000 to AED 7,999.