Titanium Mastercard Credit Card

A free-for-life UAB cashback card that pays 3% on groceries and fuel in a month with AED 3,000 to 4,999 of spending and 5% from AED 5,000, plus 100% on video streaming from AED 5,000, all within one AED 500 monthly cap; nothing below AED 3,000 and nothing on other spending.

No annual fee in any year; free for life. No joining fee. Supplementary cards are free.

Spending abroad costs about 3.92% all in on Perkly's reading: UAB's 2.77% issuer markup fee on foreign currency transactions (its September 2026 schedule of charges, VAT included) plus about 1.15% for Mastercard, which is Perkly's standard estimate because UAB does not publish a scheme figure. UAB's Credit Card Key Facts Statement gives the markup as 2.63% instead, and both documents also list a 3.15% currency conversion fee, which Perkly treats as a dynamic currency conversion charge and leaves out; if it applied to every foreign currency purchase the cost would be higher. Spending abroad earns no cashback unless it falls in one of the card's categories.

Only groceries, fuel and video streaming earn anything, and all three share one AED 500 monthly cap. Nothing is earned in a month with under AED 3,000 of spending, and video streaming earns only from AED 5,000. The ENTERTAINER welcome gift needs a salary of AED 10,000 and costs AED 551.25 if you spend under AED 40,000 in the first year.