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.
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, entertainment, department stores and supermarkets; 0.5 on all other spend (AED 7,500 monthly spend threshold applies; capped at 100,000 points/month)
- Access to 1,000+ airport lounges worldwide plus 4 complimentary valet parkings per month
- Millennium Hotels Prestige status match with one free night on 3-4 night stays; travel medical and inconvenience insurance for the whole family
- Hertz Gold Plus Five Star status, 35% off Avis rentals, and credits/discounts across Booking.com, Trip.com and GetYourGuide
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% |
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
Every card is checked against official bank sources. Last updated June 2026.
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