BRight World Credit Card review
All spending earns up to 2.5 BRight Rewards per AED 10, redeemable at www.ajmanrewards.ae across 300+ airlines, 300,000+ hotels, gift vouchers and electronics, with points valued around AED 0.10 each (per third-party source). New cardholders start with an upfront 15,000 BRight Rewards under the 'FLY for FREE' offer.
The card carries 0% foreign transaction fees, complimentary lounge access and valet parking four times a month (which requires AED 7,000 minimum monthly spend, per third-party source). The AED 1,500 annual fee has no published waiver and several figures are advertised inconsistently, so the card is aimed squarely at high spenders and frequent international travellers who will maximise the earn rate and FX-free spending.
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 10,000 |
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| Annual fee | AED 1,575 |
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| Fee waiver | AED 1,500 +VAT 5%; no waiver conditions published. |
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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 2.5 BRight Rewards 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 and valet parking requires AED 7,000 minimum monthly spend (per third-party source). Note: the bank's BRight overview page shows up to 3 BRight Rewards per AED 10 for World while the detail page shows 2.5. Minimum salary AED 10,000 (per third-party source; not stated on the official page). |
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| Welcome bonus | Upfront 15,000 complimentary BRight Rewards ('FLY for FREE'); conditions and deadline not published.Upfront award; no spend requirement or expiry published on the bank page |
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| Lounge access | Complimentary lounge access (programme and lounge count not specified on the official page). |
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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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Welcome bonus: Upfront 15,000 complimentary BRight Rewards ('FLY for FREE'); conditions and deadline not published.
Terms: Upfront award; no spend requirement or expiry published on the bank page
BRight World Credit Card benefits
✓15,000 upfront BRight Rewards welcome bonus
✓Highest earn rate of 2.5 BRight Rewards per AED 10
✓0% foreign transaction fees
✓Complimentary lounge access
✓Valet parking 4x monthly at 35+ locations
✓Free supplementary cards
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 World 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 | 0% |
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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 high spenders and frequent international travellers who want maximum points earn, 0% FX fees and premium travel perks.
What works well
- ✓Top BRight earn rate, about 2.5% value back per third-party point valuation
- ✓0% foreign currency transaction fee
- ✓Largest upfront welcome points bonus at 15,000
What to weigh up
- −AED 1,500 +VAT annual fee with no published waiver
- −Reward earn rate advertised inconsistently at 2.5 versus 3 per AED 10
- −Bank does not publish point value, caps or lounge programme details
BRight World Credit Card eligibility
Minimum salary AED 10,000 (per third-party source; the official page does not state it); age and residency criteria not published.
▤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 World Credit Card FAQs
Minimum salary AED 10,000 (per third-party source; the official page does not state it); age and residency criteria not published.
The listed annual fee is AED 1,575. AED 1,500 +VAT 5%; no waiver conditions published.
Up to 2.5 BRight Rewards per AED 10 spend on all purchases
This card suits high spenders and frequent international travellers who want maximum points earn, 0% FX fees and premium travel perks.
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.
