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, and needs a minimum salary of AED 10,000 a month.
Annual fee
AED 315
Joining fee
Free
Min. salary
AED 10,000/mo
Rewards in
Joy Points
Min. monthly spend
AED 5,000
Card highlights
- Earn 3 Joy Points per AED on dining, entertainment, department stores and supermarkets (min AED 5,000/month spend); 75,000 points monthly cap
- 4 complimentary airport lounge visits a year (25+ lounges, Middle East and Levant) via Mastercard Travel Pass
- 4 complimentary Valtrans valet visits a month (requires AED 3,000 retail spend in previous billing cycle)
- BOGO cinema at VOX and Reel (up to 3 free tickets/month each) plus 20% off Emaar attractions
Earn rates
| Category | Rate |
|---|---|
| Supermarket | 1.5% |
| Dining & food | 1.5% |
| Travel | 0.08% |
| Retail | 0.08% |
| Fuel | 0.08% |
| Utilities | 0.08% |
| Education | 0.08% |
| Transport | 0.08% |
| Online shopping | 0.08% |
| International spend | 0.08% |
| Real estate | 0.08% |
Rewards on this card are capped at AED 375 a month across all categories (about AED 4,500 a year).
Current welcome offer
First year annual fee free
- Annual fee of AED 315 (inclusive of VAT) from year two onwards
Benefits & perks
- •Airport lounge access at 25+ Middle East and Levant lounges: 4 complimentary visits per calendar year (via Mastercard Travel Pass app)
- •4 complimentary Valtrans valet parking services per month (requires AED 3,000 spend in previous billing cycle)
- •Buy 1 get 1 free movie tickets at VOX and Reel cinemas: up to 3 free tickets per month at each (requires AED 3,000 monthly spend)
- •20% off Emaar attractions (Adventure Park, Dubai Aquarium, KidZania and more)
- •25% off food and beverages at VOX cinemas; 20% off at Reel cinemas
- •Purchase protection against theft or accidental damage for up to 180 days
- •Up to 7% credit on Booking.com
- •Up to 10% off Trip.com
- •Up to 12% off GetYourGuide
- •12% off Heathrow Express
- •Up to USD 300 off Farfetch
- •15% off MyUS international shipping
- •25% off your first FiiT fitness subscription payment
- •20% off a grocery or food order on Talabat once a month: capped at AED 14
- •Up to 20% off Avis car rentals worldwide
- •Discounted visa appointment bookings via Fulfill Solutions: USD 15
- •Convert purchases of AED 250 or more into monthly instalments via Easy Payment Plan
- •Free supplementary cards
- •Apple Pay and Google Pay supported
Every card is checked against official bank sources. Last updated November 2026.
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Questions people ask
What does the Deem Finance Platinum Credit Card (Lifestyle mode) earn?
A Deem Finance Mastercard, free in year 1 then AED 315 a year, earning 3 Joy Points per AED 1 (about 1.5% as cashback, or 3% on flights, hotels, electronics or miles) on entertainment, department stores, supermarkets and dining in Lifestyle mode, only in a month with at least AED 5,000 of spending and up to 75,000 points a month, and 0.15 points on everything else.
What does the Deem Finance Platinum Credit Card (Lifestyle mode) cost?
No annual fee in the first year; from the second year AED 315 a year including VAT (AED 300 + VAT). No joining fee. Supplementary cards are free.
What does spending abroad cost on the Deem Finance Platinum Credit Card (Lifestyle mode)?
Spending abroad costs about 3.14% all in: Deem's 3.139% on all non-AED transactions (2.99% plus VAT), which Deem's schedule of fees says already includes the Mastercard processing fee of about 1.15%. International spending earns 3 Joy Points per AED 1 only in Travel mode and in a month with at least AED 5,000 of spending; otherwise 0.15.
What should I watch out for with the Deem Finance Platinum Credit Card (Lifestyle mode)?
The 3 points rate needs AED 5,000 of spending in the calendar month; below that every purchase earns only 0.15 points per AED 1. Taken as cashback or gift cards, 3 points per AED 1 is worth about 1.5%; the 3% needs redeeming for flights, hotels, electronics or miles. Deem enrols you automatically in Double Secure credit protection at 1.04% of your monthly outstanding balance; opt out if you do not want it.
More from Deem Finance
Deem Titanium Credit Card (Lifestyle mode)
- Earn 2 Joy Points per AED on entertainment, department stores, supermarkets and dining (requires AED 3,000 monthly spend; 0.13 pts per AED otherwise)
- Points worth up to 2% redeemed on flights, hotels, electronics or miles (1% as cashback or gift card); 50,000 pts monthly cap
Updated November 2026
Deem World Credit Card (Lifestyle mode)
- Earn 5 Joy Points per AED on dining, entertainment, department stores and supermarkets (min. AED 7,500 spend that month); 0.5 on all other spend
- 8 complimentary airport lounge visits a year (1,000+ lounges via Mastercard Travel Pass) after first international purchase
Updated November 2026
Deem Platinum Credit Card (Travel mode)
- Earn 3 Joy Points per AED on airlines, hotels, dining and international spend (min. AED 5,000/month); 75,000 points monthly cap
- 4 complimentary airport lounge visits a year via Mastercard Travel Pass (25+ lounges in the Middle East and Levant)
Updated November 2026