Deem Finance
World Credit Card (Lifestyle mode)
The World Credit Card (Lifestyle mode) is a cashback credit card from Deem Finance. It has an annual fee of AED 525.
Annual fee
AED 525
Joining fee
Free
Min. salary
AED 0/mo
Rewards in
Joy Points
Min. monthly spend
AED 7,500
Card highlights
- 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
- Millennium Hotels: complimentary night stay and Prestige status match; Hertz Five Star and up to 35% off Avis
- Travel medical and inconvenience insurance for the whole family; up to 7% credit on Booking.com and 15% off Trip.com
Earn rates
| Category | Rate |
|---|---|
| Retail | 5% |
| Supermarket | 5% |
| Dining & food | 5% |
| Travel | 0.5% |
| Fuel | 0.5% |
| Utilities | 0.5% |
| Education | 0.5% |
| Transport | 0.5% |
| Online shopping | 0.5% |
| International spend | 0.5% |
| Real estate | 0.5% |
Rewards on this card are capped at AED 1,000 a month across all categories (about AED 12,000 a year).
Current welcome offer
Earn up to 100,000 Joy Points as a welcome offer
- First year free, annual fee of AED 525 (incl. VAT) applies from year two
Benefits & perks
- •Access to 1,000+ airport lounges worldwide
- •Complimentary night stay and Prestige status match at Millennium Hotels & Resorts (1 free night on a 3 or 4 night stay)
- •Travel medical insurance and travel inconvenience insurance for you and your family
- •Instant travel insurance letters for visa applications
- •4 complimentary Valtrans valet parking services per month
- •Reel Cinemas buy-one-get-one free: up to 4 tickets/month, plus 20% off F&B (to 31 Jul 2026)
- •VOX Cinemas buy-one-get-one free: up to 4 tickets/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)
- •Hertz Gold Plus Rewards Five Star membership
- •Up to 35% off Avis car rentals worldwide
- •Up to 7% credit on Booking.com
- •Up to 15% 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
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
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