BRight Titanium Credit Card review
Every AED 10 spent earns up to 1 BRight Reward across all purchases, redeemable at www.ajmanrewards.ae against 300+ airlines, 300,000+ hotels, gift vouchers and electronics. Points are valued at roughly AED 0.10 each (per third-party source) and expire two years from accrual.
Practical extras include valet parking twice a month at 35+ locations, free supplementary cards and full digital and contactless payment support, with a low 2.1% foreign currency fee. As the entry point of the BRight family it carries no lounge access or welcome bonus, making it best suited to first-time rewards users who value a no-fee card with flexible travel redemptions.
Card details
| Bank | Ajman Bank |
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| Card type | Rewards |
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| Card network | Mastercard |
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| Minimum salary | AED 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free for life (fees where applicable are +VAT 5%). |
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| Interest (monthly) | 3.50% |
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| Reward type | Rewards (BRight Rewards points) |
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| Reward rate | Up to 1 BRight Reward per AED 10 spend on all purchasesPoints are earned on retail spend; the card must be in good standing; points accrual stops if the minimum due is missed on 2 consecutive payment due dates; redemption is blocked if the Minimum Amount Due is unpaid for one statement cycle. Redeem at www.ajmanrewards.ae across 300+ airlines, 300,000+ hotels, gift vouchers and electronics. Points expire 2 years from the date of accrual (per BRight Covered Card T&Cs) and, on voluntary closure, must be redeemed within 30 days. Point value is approximately AED 0.10 per point (per third-party source). Minimum salary AED 10,000 (per third-party source; not stated on the official page). |
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| Lounge access | Not listed for the Titanium (lounge access is shown only on the BRight Platinum and World pages). |
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| Quick cash | Easy Cash lets you transfer cash from the credit card to your account and repay in easy installments. |
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| Balance transfer | Balance transfer at low profit rates with repayment up to 36 months (BRight card rates of 0.99% to 1.5% per month depending on tenure, per KFS). |
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| Instalment plan | 0% Installment Payment Plans at preferred partners and Emirates Airline. |
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BRight Titanium Credit Card benefits
✓Free for life
✓Earn 1 BRight Reward per AED 10 on all spend
✓Redeem points for flights, hotels, vouchers and electronics
✓Valet parking 2x monthly at 35+ locations
✓Free supplementary cards
✓Samsung Pay, contactless, 3D Secure and Chip & PIN
Offers and payment options
Quick cashEasy Cash lets you transfer cash from the credit card to your account and repay in easy installments.
Balance transferBalance transfer at low profit rates with repayment up to 36 months (BRight card rates of 0.99% to 1.5% per month depending on tenure, per KFS).
Instalment plan0% Installment Payment Plans at preferred partners and Emirates Airline.
BRight Titanium Credit Card fees & charges
| Annual percentage rate (APR) | 42% per annum |
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| Cash advance fee | AED 150 per transaction (up to AED 5,000) |
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| Late payment fee | AED 125 (Forced Donation) |
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| Over-limit fee | AED 125 |
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| Foreign currency fee | 2.1% |
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| Minimum payment | 5% of outstanding plus all fees and charges |
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| Interest-free period | Up to 25 days (payment due date from statement date) |
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| Card replacement fee | AED 75 per request |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card suits entry-level users who want a no-fee Islamic rewards card with travel redemption options.
What works well
- ✓No annual fee ever
- ✓Simple flat rewards earning on all spend
- ✓Travel-focused redemption catalogue with 300+ airlines
What to weigh up
- −Lowest earn rate of the BRight family, about 1% value back per third-party point valuation
- −2.1% foreign currency transaction fee
- −No lounge access or welcome bonus
BRight Titanium Credit Card eligibility
Minimum salary of AED 5,000 per month. Ajman Bank does not publish eligibility criteria on the product page, so confirm the salary, age and residency requirements with the bank before applying.
▤Key Fact Statement▤Credit Card Application Form▤Passport and Emirates ID▤Visa copy where applicable▤Salary certificate or one month payslip▤Trade License (self-employed)
BRight Titanium Credit Card FAQs
Minimum salary of AED 5,000 per month. Ajman Bank does not publish eligibility criteria on the product page, so confirm the salary, age and residency requirements with the bank before applying.
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Up to 1 BRight Reward per AED 10 spend on all purchases
This card suits entry-level users who want a no-fee Islamic rewards card with travel redemption options.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
