RewardsIslamic
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 per AED 1 on dining and online shopping, 3 on non-AED spend, 1 on other retail (excluding petrol, supermarkets, utilities and many common categories)
- Complimentary airport lounge access for cardholder and one guest
- With AED 8,000 monthly spend: 6 BOGO cinema tickets, 6 valet visits, 2 golf and 2 padel games per month
- With AED 8,000 monthly spend: 4 airport transfers and 4 Marhaba Meet and Greet services per year
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Dining & food | 3.75% | AED 75 |
| Online shopping | 3.75% | AED 75 |
| International spend | 2.25% | AED 150 |
| Travel | 0.75% | No cap |
| Retail | 0.75% | No cap |
| Supermarket | 0.11% | No cap |
| Fuel | 0.11% | No cap |
| Utilities | 0.11% | No cap |
| Education | 0.11% | No cap |
| Transport | 0.11% | No cap |
| Real estate | 0.11% | No cap |
Rewards on this card are capped at AED 750 a month across all categories (about AED 9,000 a year).
Current welcome offer
Earn up to AED 600 cashback in your first 90 days
- 20% cashback on Talabat, noon.com, Amazon.ae and Careem purchases in the first 90 days
- Capped at AED 50 per merchant per month
- First year free; annual fee of AED 1,050 waived from year two onwards when you spend AED 100,000 in the year
- Available to new World Elite cardholders approved from 1 January 2026; not available to existing Aafaq cardholders who upgraded or cancelled a card in the past 6 months
Benefits & perks
- •Airport lounge access for cardholder and one guest
- •VOX Cinemas buy-one-get-one-free: up to 6 free tickets per month (with AED 8,000 monthly spend)
- •Valet parking at select UAE locations: up to 6 times per month (with AED 8,000 monthly spend)
- •Golf at any UAE course: up to 2 games per month, reimbursed on receipt (with AED 8,000 monthly spend)
- •Padel at any UAE court: up to 2 games per month, reimbursed on receipt (with AED 8,000 monthly spend)
- •4 airport transfers per year to/from Dubai and Abu Dhabi airports (with AED 8,000 monthly spend)
- •4 Marhaba Meet and Greet services per year at DXB and DWC (with AED 8,000 monthly spend)
- •0% balance transfer for 12 months
About this card
- •AIF Rewards cash value: AED 0.0075 per reward point
Every card is checked against official bank sources. Last updated September 2026.
Spotted something out of date or incorrect? Tell us and we’ll fix it.
Featured in the Perkly Card Index
See all rewards credit cards in the UAE →