Aafaq Islamic Finance
World Elite Credit Card
The World Elite Credit Card is a rewards credit card from Aafaq Islamic Finance. It has an annual fee of AED 1,050, and needs a minimum salary of AED 20,000 a month.
Annual fee
AED 1,050
Joining fee
Free
Min. salary
AED 20,000/mo
Rewards in
AIF Rewards
Material
Plastic
Card highlights
- Earn 5% AIF Rewards on dining and online shopping, 3% on non-AED, 1% on all other retail
- Mastercard lounge access plus 4 airport transfers and 4 Marhaba Meet & Greet passes a year
- 6 valet parkings, 2 golf and 2 padel rounds monthly (requires AED 8,000/month spend)
- Welcome offer: free iPhone 17 with qualifying spend and prepaid card conditions
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Dining & food | 5% | AED 100 |
| Online shopping | 5% | AED 100 |
| International spend | 3% | AED 200 |
| Travel | 1% | No cap |
| Retail | 1% | No cap |
| Supermarket | 0.15% | No cap |
| Fuel | 0.15% | No cap |
| Utilities | 0.15% | No cap |
| Education | 0.15% | No cap |
| Transport | 0.15% | No cap |
| Real estate | 0.15% | No cap |
Rewards on this card are capped at AED 1,000 a month across all categories (about AED 12,000 a year).
Current welcome offer
Earn 20% cashback at Talabat, noon, Amazon.ae and Careem for your first 90 days
- Cashback capped at AED 50 per merchant per month, AED 600 total
- Cards issued on or after 01 Jan 2026, once per customer lifetime
- 10% cashback on school fees (1 Jul to 30 Sep 2026), min spend AED 5,000, capped at AED 5,000
- SMS opt-in required: text AEDU to 4070 to participate in the school-fee offer
Expected offer expiry: September 2026
Benefits & perks
- •VOX Cinemas Buy-One-Get-One: up to 6 times per month (with AED 8,000 monthly spend)
- •Valet parking: 6 visits per month (with AED 8,000 monthly spend)
- •Golf: 2 rounds per month (with AED 8,000 monthly spend)
- •Padel: 2 sessions per month (with AED 8,000 monthly spend)
- •Airport transfers: 4 times per year at DXB, DWC and AUH (with AED 8,000 monthly spend)
- •Marhaba Meet & Greet: 4 times per year (with AED 8,000 monthly spend)
- •Mastercard lounge access
- •Mastercard Priceless privileges
- •0% balance transfer for 12 months
- •Free iPhone 17 (requires companion Aafaq Prepaid Card with AED 5,000 balance held 90 days and AED 10,000 card spend in 90 days)
Every card is checked against official bank sources. Last updated July 2026.
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