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, and needs a minimum salary of AED 25,000 a month.
Annual fee
AED 525
Joining fee
Free
Min. salary
AED 25,000/mo
Rewards in
Joy Points
Min. monthly spend
AED 7,500
Card highlights
- 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
- 6 complimentary valet parking visits a month via Valtrans (requires AED 6,000 spend in previous billing cycle)
- BOGO movie tickets at VOX and Reel (up to 4 free tickets a month each) plus 20% off Emaar attractions
Earn rates
| Category | Rate |
|---|---|
| Supermarket | 2.5% |
| Dining & food | 2.5% |
| Travel | 0.25% |
| Retail | 0.25% |
| Fuel | 0.25% |
| Utilities | 0.25% |
| Education | 0.25% |
| Transport | 0.25% |
| Online shopping | 0.25% |
| International spend | 0.25% |
| Real estate | 0.25% |
Rewards on this card are capped at AED 500 a month across all categories (about AED 6,000 a year).
Current welcome offer
First year annual fee waived
- Annual fee of AED 525 (inclusive of VAT) applies from year two
Benefits & perks
- •Airport lounge access at 1,000+ lounges worldwide: 8 complimentary visits per year (via Mastercard Travel Pass app)
- •6 complimentary Valtrans valet parking services per month (requires AED 6,000 spend in previous billing cycle)
- •Complimentary night at Millennium Hotels and Resorts on a 3 or 4 night stay, plus Prestige status match
- •Travel medical insurance and travel inconvenience insurance for you and your family
- •Visa application support: instant travel insurance letters
- •Buy 1 get 1 free movie tickets at VOX and Reel cinemas: up to 4 free tickets per month at each (requires AED 3,000 monthly spend)
- •25% off food and beverages at VOX cinemas; 20% off at Reel cinemas
- •20% off Emaar attractions (Adventure Park, Dubai Aquarium, KidZania and more)
- •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
- •Up to USD 300 off Farfetch
- •15% off MyUS international shipping
- •Discounted visa appointments via Fulfill Solutions: USD 15
- •25% off your first FiiT fitness subscription payment
- •20% off one grocery or food order on Talabat per month: up to AED 14
- •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.
Spotted something out of date or incorrect? Tell us and we’ll fix it.
- See all cashback credit cards in the UAE →
- Compare lounge access on UAE credit cards →
- See which cards your salary qualifies for →
Questions people ask
What does the Deem Finance World Credit Card (Lifestyle mode) earn?
A Deem Finance Mastercard, free in year 1 then AED 525 a year, earning 5 Joy Points per AED 1 (about 2.5% as cashback, or 5% on flights, hotels, electronics or miles) on entertainment, department stores, supermarkets and dining in Lifestyle mode, only in a month with at least AED 7,500 of spending and up to 100,000 accelerated points a month, and 0.5 points on everything else.
What does the Deem Finance World Credit Card (Lifestyle mode) cost?
No annual fee in the first year; from the second year AED 525 a year including VAT (AED 500 + VAT). No joining fee. Supplementary cards are free.
What does spending abroad cost on the Deem Finance World 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 5 Joy Points per AED 1 only in Travel mode and in a month with at least AED 7,500 of spending; otherwise 0.5.
What should I watch out for with the Deem Finance World Credit Card (Lifestyle mode)?
The 5 points rate needs AED 7,500 of spending in the calendar month; below that every purchase earns only 0.5 points per AED 1. Taken as cashback or gift cards, 5 points per AED 1 is worth about 2.5%; the 5% needs redeeming for flights, hotels, electronics or miles. Only one mode applies to a whole month: Travel mode for airlines, hotels, dining and international spending, or Lifestyle mode for entertainment, department stores, supermarkets and dining.
More from Deem Finance
Deem Platinum Credit Card (Lifestyle mode)
- 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
Updated November 2026
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 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