Cashback
Deem Finance
Platinum Credit Card (Lifestyle mode)
The Platinum Credit Card (Lifestyle mode) is a cashback credit card from Deem Finance. It has an annual fee of AED 315.
Annual fee
AED 315
Joining fee
Free
Min. salary
AED 0/mo
Rewards in
Joy Points
Min. monthly spend
AED 5,000
Card highlights
- 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
- Access to 25+ Middle East and Levant airport lounges plus 4 complimentary valet parkings per month
- Emaar entertainment discounts, 20% off Talabat orders and up to 7% credit on Booking.com
Earn rates
| Category | Rate |
|---|---|
| Retail | 3% |
| Supermarket | 3% |
| Dining & food | 3% |
| Travel | 0.2% |
| Fuel | 0.2% |
| Utilities | 0.2% |
| Education | 0.2% |
| Transport | 0.2% |
| Online shopping | 0.2% |
| International spend | 0.2% |
| Real estate | 0.2% |
Current welcome offer
Earn up to 75,000 Joy Points as a welcome offer
- First year free, annual fee of AED 315 incl. VAT applies from year two
Every card is checked against official bank sources. Last updated June 2026.
Spotted something out of date or incorrect? Tell us and we’ll fix it.
See all cashback credit cards in the UAE →
More from Deem Finance
Cashback
Titanium Credit Card (Lifestyle mode)
- 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
AED 210/yrView card
Updated June 2026
Cashback
World Credit Card (Lifestyle mode)
- 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
AED 525/yrView card
Updated June 2026
Travel
Platinum Credit Card (Travel mode)
- 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
AED 315/yrView card
Updated June 2026