Deem Mastercard Titanium Cash Up Credit Card review
Cardholders earn up to 3% accelerated Cash Up on supermarkets and groceries, utility bills, fuel and government services, with 0.5% on all other retail spend. The accelerated rate only kicks in once cumulative retail spend reaches AED 1000 in a statement cycle, and each Cash Up point is worth AED 1, redeemable as cashback or pay-with-points. Cardholders who prefer a gamble can swap rewards for the bi-annual AED 250,000 Joy-Win draw.
The card adds practical lifestyle value with access to 10-plus regional lounges, monthly Careem discounts, up to 15% off Avis rentals and more than 900 buy-one-get-one Mastercard offers, alongside Deem Double Secure protection. A free first year and an AED 12,000 spend waiver keep ongoing costs low.
The main limitations are a modest monthly cashback cap of 60 accelerated points and just 0.5% on non-bonus spend, so the value concentrates firmly in the everyday categories.
Card details
| Bank | Deem Finance |
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| Card type | Cashback |
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| Card network | Mastercard |
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| Minimum salary | AED 5,000 |
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| Annual fee | AED 210 |
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| Fee waiver | Free for the first year; the second and subsequent years are free if the previous year's spend is AED 12000 or more, otherwise the fee is AED 200 plus 5% VAT (AED 210). |
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| Interest (monthly) | 3.99% |
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| Reward type | Cash Up (Joy Points) |
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| Reward rate | Earn up to 3% accelerated Cash Up on supermarkets and groceries, utility bills, fuel and government services, plus 0.5% on all other retail spend.Accelerated Cash Up is earned only once a minimum cumulative retail spend of AED 1000 is reached in the statement cycle, and the accelerated rate applies solely to the eligible categories of supermarkets and groceries, utilities, fuel and government services. Up to 60 accelerated Cash Up per month (per third-party source). Each Cash Up equals AED 1 and can be redeemed as cashback against the card or used as pay-with-points for purchases. Points do not expire while the card is active but all accumulated rewards are forfeited on card closure, and cardholders can instead opt into the bi-annual AED 250,000 Joy-Win draw. |
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| Welcome bonus | First-year annual membership fee waiver. |
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| Lounge access | Access to 10+ airport lounges across the Middle East and the Levant. |
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| Quick cash | Easy Cash EPP is available (per Deem T&C). |
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| Balance transfer | Balance Transfer is available (per Deem T&C). |
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| Instalment plan | An Easy Payment Plan (EPP) is available. |
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Welcome bonus: First-year annual membership fee waiver.
Deem Mastercard Titanium Cash Up Credit Card benefits
✓Up to 3% cashback on everyday categories
✓Access to 10+ Middle East and Levant lounges
✓20% off three Careem rides monthly
✓Up to 15% off Avis car rentals worldwide
✓900+ buy-one-get-one Mastercard merchant offers
✓Deem Double Secure coverage
Offers and payment options
Quick cashEasy Cash EPP is available (per Deem T&C).
Balance transferBalance Transfer is available (per Deem T&C).
Instalment planAn Easy Payment Plan (EPP) is available.
Deem Mastercard Titanium Cash Up Credit Card fees & charges
| Annual percentage rate (APR) | 47.88% |
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| Cash advance fee | 3% of the transaction amount or AED 105, whichever is higher (not subject to VAT) |
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| Late payment fee | 241.5 |
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| Over-limit fee | 341.25 |
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| Foreign currency fee | 2.99% |
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| Minimum payment | 5% of outstanding + full VAT + full monthly EPP instalment (if any) + full monthly insurance premium (if any) + over limit amount, or AED 100 whichever is higher |
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| Interest-free period | up to 51 days |
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| Card replacement fee | 78.75 |
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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 lower-income earners who want simple cashback on groceries, fuel and utilities.
What works well
- ✓Low AED 5000 salary requirement
- ✓Straightforward cashback on daily essentials
- ✓First year free and waivable thereafter
What to weigh up
- −Low monthly cashback cap
- −Only 0.5% on non-accelerated spend
- −Limited lounge network
Deem Mastercard Titanium Cash Up Credit Card eligibility
Requires a minimum salary of AED 5000; open to UAE residents, typically aged 21 and above.
▤Emirates ID▤Passport/Visa▤Salary certificate/proof of income▤Bank statements (last 1-3 months)
Deem Mastercard Titanium Cash Up Credit Card FAQs
Requires a minimum salary of AED 5000; open to UAE residents, typically aged 21 and above.
The listed annual fee is AED 210. Free for the first year; the second and subsequent years are free if the previous year's spend is AED 12000 or more, otherwise the fee is AED 200 plus 5% VAT (AED 210).
Earn up to 3% accelerated Cash Up on supermarkets and groceries, utility bills, fuel and government services, plus 0.5% on all other retail spend.
This card suits lower-income earners who want simple cashback on groceries, fuel and utilities.
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.
