Deem Finance credit cards

• Earn 3 Joy Points per AED on dining, supermarkets, department stores and entertainment (min AED 5,000/month; 75,000 pts monthly cap)
• Base rate drops to 0.15 Joy Points per AED on all other spend, or below the AED 5,000 monthly threshold

Updated June 2026

• Earn 2 Joy Points per AED on dining, entertainment, department stores and supermarkets (min. AED 3,000/month), 0.13 on all else
• Monthly cap 50,000 Joy Points (approx. AED 500); redeem as statement credit, miles or instant purchases

Updated June 2026

• Earn 5 Joy Points per AED (5%) on dining, entertainment, department stores and supermarkets; 0.5 on all other spend (AED 7,500 monthly spend threshold applies; capped at 100,000 points/month)
• Access to 1,000+ airport lounges worldwide plus 4 complimentary valet parkings per month

Updated June 2026

• Earn 3 Joy Points per AED on airlines, hotels, dining and foreign spend (min AED 5,000/month); 0.15 elsewhere
• Monthly cap 75,000 Joy Points; redeem as statement credit, airline miles or gift vouchers

Updated June 2026

• Earn 2 Joy Points per AED on airlines, hotels, dining and international spend (min AED 3,000/month); 50,000 points monthly cap
• Switch between Travel and Lifestyle earning modes anytime in the Deem app (up to 25th each month)

Updated June 2026

• Earn 5 Joy Points per AED on airlines, hotels, dining and foreign spend (0.5 on all else); requires AED 7,500/month
• Unlimited access to 1,000+ airport lounges worldwide

Updated June 2026