Cashback
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/month spend)
- 8 airport lounge visits a year (1,000+ lounges via Mastercard Travel Pass) plus travel medical and inconvenience insurance
- 6 complimentary valet visits a month via Valtrans (requires AED 6,000 spend in prior billing cycle)
- BOGO cinema at VOX and Reel (up to 4 free tickets a month each) plus 20% off Emaar attractions
Earn rates
| Category | Rate |
|---|---|
| Supermarket | 5% |
| Dining & food | 5% |
| Travel | 0.5% |
| Retail | 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
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 calendar 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
- •Instant travel insurance letters for visa applications
- •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
- •15% off MyUS international shipping
- •Up to USD 300 off Farfetch
- •Discounted visa appointments via Fulfill Solutions: USD 15
- •25% off your first FiiT fitness subscription payment
- •20% off grocery or food orders on Talabat: capped at AED 14, on up to 2 orders per month
- •Easy Payment Plan: convert purchases of AED 250 or more into monthly instalments
- •Free supplementary cards
- •Apple Pay and Google Pay supported
Every card is checked against official bank sources. Last updated September 2026.
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