Deem Finance
Titanium Credit Card (Lifestyle mode)
The Titanium Credit Card (Lifestyle mode) is a cashback credit card from Deem Finance. It has an annual fee of AED 210.
Annual fee
AED 210
Joining fee
Free
Min. salary
AED 0/mo
Rewards in
Joy Points
Min. monthly spend
AED 3,000
Card highlights
- 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
- BOGO cinema at Reel Cinemas and VOX (up to 4 tickets/month each) plus Emaar entertainment discounts
- 25% off FiiT fitness and 20% off Talabat orders (up to AED 14, twice a month)
Earn rates
| Category | Rate |
|---|---|
| Retail | 2% |
| Supermarket | 2% |
| Dining & food | 2% |
| Travel | 0.13% |
| Fuel | 0.13% |
| Utilities | 0.13% |
| Education | 0.13% |
| Transport | 0.13% |
| Online shopping | 0.13% |
| International spend | 0.13% |
| Real estate | 0.13% |
Rewards on this card are capped at AED 500 a month across all categories (about AED 6,000 a year).
Current welcome offer
Earn up to 50,000 Joy Points as a welcome offer
- First year free, annual fee of AED 210 (incl. VAT) applies from year two
Benefits & perks
- •Welcome bonus of up to 50,000 Joy Points
- •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
- •Free supplementary cards
- •Up to 20% off Avis car rentals worldwide
- •Up to 7% credit on Booking.com
- •Up to 12% off GetYourGuide experiences
- •12% off Heathrow Express
- •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)
- •Emaar entertainment discounts (Dubai Aquarium, EKart and more)
- •25% off FiiT fitness
- •20% off Talabat grocery or food orders: capped at AED 14, twice a month
- •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
Platinum Credit Card (Lifestyle mode)
- 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
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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