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); 0.15 on all other spend
- 25+ Middle East and Levant airport lounges plus 4 complimentary valet parking sessions a month
- BOGO cinema at Reel and VOX, plus Emaar entertainment discounts (Adventure Park, Dubai Aquarium, EKart)
- Up to 7% credit on Booking.com, 10% off Trip.com and 12% off GetYourGuide
Earn rates
| Category | Rate |
|---|---|
| Retail | 3% |
| Supermarket | 3% |
| Dining & food | 3% |
| Travel | 0.15% |
| Fuel | 0.15% |
| Utilities | 0.15% |
| Education | 0.15% |
| Transport | 0.15% |
| Online shopping | 0.15% |
| International spend | 0.15% |
| Real estate | 0.15% |
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 75,000 Joy Points as a welcome offer
- First year free, annual fee of AED 315 incl. VAT applies from year two
Benefits & perks
- •Access to 25+ airport lounges across the Middle East and the Levant
- •4 complimentary Valtrans valet parking services per month
- •Reel Cinemas: buy-one-get-one free tickets (up to 4/month) plus 20% off F&B (to 31 Jul 2026)
- •VOX Cinemas: buy-one-get-one free tickets (up to 4/month) plus 25% off F&B (to 14 Feb 2027)
- •20% off KidZania, Dubai Ice Rink, Storm Coaster and Adventure Park (to 31 Jul 2026)
- •Deem Double Secure credit protection: covers outstanding balance on death or critical illness, plus up to 10% of outstanding for 9 months on involuntary job loss
- •Purchase protection against theft or accidental damage for up to 180 days
- •Up to 20% off Avis car rentals worldwide
- •Up to 7% credit on Booking.com
- •Up to 10% off Trip.com
- •Up to 12% off GetYourGuide
- •12% off Heathrow Express
- •15% off MyUS international shipping
- •Up to USD 300 off Farfetch
- •Discounted visa appointments via Fulfill Solutions (USD 15)
- •25% off FiiT fitness
- •20% off Talabat grocery or food orders (capped at AED 14, twice a month)
- •Free supplementary cards
- •Apple Pay and Google Pay supported
Every card is checked against official bank sources. Last updated July 2026.
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More from Deem Finance
Titanium Credit Card (Lifestyle mode)
- Earn 2 Joy Points per AED on dining, entertainment, supermarkets and department stores (min AED 3,000/month); 0.13 elsewhere
- Up to 7% credit on Booking.com, 12% off GetYourGuide and 12% off Heathrow Express
Updated July 2026
World Credit Card (Lifestyle mode)
- Earn 5 Joy Points per AED (5%) on dining, supermarkets, department stores and entertainment; 0.5 on all other spend (min AED 7,500/month, capped at 100,000 points/month)
- Access to 1,000+ airport lounges worldwide plus 4 complimentary valet parking sessions per month
Updated July 2026
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