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Deem Finance Credit Cards

Regulated by the central bank of the UAE, Deem Finance is a bank that offers a wide range of financial solutions that include loans, deposits and guarantees, and credit cards in the UAE.

Deem Finance Credit Card is loaded with exclusive offers and privileges that come at economical rates. The attractive deals include cash up, miles up, airport access, balance transfer, insurance, and many more.

The cash up and miles up variants help the card member in earning several rewards, which can be redeemed for different benefits.

Deem Bank has a range of amazing credit cards with even more amazing rewards that are suitable for almost every pocket.  

Types of Deem Finance Credit Cards

Here are the different types of credit cards offered by the bank.

Types of Deem Finance Credit Cards
Deem Titanium Cash-Up Card Deem Titanium Miles-Up Card
Deem Platinum Cash-Up Card Deem Platinum Miles-Up Card

Deem Platinum Card- Cash Up

  • Lounge access at more than 25 airports in the Levant and the Middle East
  • Discount of 30% on international air tickets, roundtrips, or hotel bookings on Cleartrip
  • Complimentary valet parking
  • Free Zomato Gold Membership for one year
  • Attractive discounts and deals on casual dining, tourist attractions, amusement parks, and more on Deem Offers mobile app
  • Cash up on leisure and entertainment, online shopping, shopping at departmental and apparel stores, and other retail spends globally
  • Financial security in the case of accidental damage or theft with Purchase Protection
  • Free two-year premium membership with MyUS shipping service
  • 15% off Avis car rentals
  • 20% off on three Careem rides monthly

Deem Titanium Card- Cash Up

  • Lounge access at more than 10 airports in the Levant and the Middle East
  • Attractive discounts and deals on casual dining, tourist attractions, amusement parks, and more on Deem Offers mobile app
  • Cash up of on grocery stores and supermarkets, payments of utility bills, spending on government service, fuel, and other retail spends
  • More than 900 MasterCard BOGO offers at over 90 destinations and over 600 merchants
  • Deem Double Secure Protection
  • 15% off Avis car rentals
  • 20% off on three Careem rides monthly

Deems Platinum Card- Miles Up

  • Lounge access at more than 25 airports in the Levant and the Middle East
  • Discount of 30% on international air tickets, roundtrips, or hotel bookings on Cleartrip
  • Complimentary valet parking
  • Free Zomato Gold Membership for one year
  • Attractive discounts and deals on casual dining, tourist attractions, amusement parks, and more on Deem Offers mobile app
  • Miles up on leisure and entertainment, online shopping, shopping at departmental and apparel stores, and other retail spends globally
  • Financial security in the case of accidental damage or theft with Purchase Protection
  • Free two-year premium membership with MyUS shipping service
  • 15% off Avis car rentals
  • 20% off on three Careem rides monthly

Deem Titanium Card- Miles Up

  • Lounge access at more than 10 airports in the Levant and the Middle East
  • Attractive discounts and deals on casual dining, tourist attractions, amusement parks, and more on Deem Offers mobile app
  • Miles up on grocery stores and supermarkets, hotel reservations, flight tickets, and other retail spends globally
  • More than 900 MasterCard BOGO offers at over 90 destinations and over 600 merchants
  • Deem Double Secure Protection
  • 15% off Avis car rentals
  • 20% off on three Careem rides monthly

Deem Finance Credit Card Interest Rates and Annual Fees

The table below shows the annual charges and interest rates charged on different Deem credit cards.

Name of the Card

Annual Fee (in AED)

Interest Rate (in %)

Deem Platinum Card- Cash Up

300 (1st year free)

3.33

Deem Titanium Card- Cash Up

200 (1st year free)

3.33

Deem Platinum Card- Miles Up

300 (1st year free)

3.33

Deem Titanium Card- Miles Up

200 (1st year free)

3.33

(Updated on November 7, 2019)

Eligibility Criteria to Apply for Deem Finance Credit Card

Applying for these cards becomes a cakewalk if the applicant meets the Deem Credit Card eligibility requirements. Here are some of the factors, which determine the eligibility of the applicant.

  • Age: Generally, starting from 21 years to 65 years
  • Address Proof: Valid residence address in the UAE
  • Income: Minimum income per month, which may vary from card to card
  • Credit Score: A good credit rating is a must for obtaining a credit card

How to Apply for a Deem Finance Credit Card?

The card seeker can apply in the following ways.

  • Online Banking: Deem bank has a user-friendly online banking portal, which can be used to apply for the card.
  • Phone Banking: The applicant can apply for a card by calling on the customer care number of the bank.
  • Visiting the Branch: For the Deem Finance Credit Card application, they can visit the nearest branch of the bank along with the required documents to apply for the card.

Documents Required to Apply for Deem Finance Credit Card

Here is a list of documents required to apply for the card.

  • Residence Visa and passport (for)
  • Salary certificate
  • Valid Emirates ID
  • Bank statements for previous 3-6 months
  • Address Proof
  • Trade License

Fee & Charges of Deem Finance Credit Card

The following are the different fees & charges applicable to these credit cards.

  • Late Payment Charges: 241.5 dirhams
  • Over-limit Charges: 341.25 dirhams
  • International Transaction Charges: 3.139 percent

(The charges are inclusive of VAT)

Why Choose Deem Finance Credit Card?

While there are various reasons to apply for Deem credit cards, here are some of the major ones.

Cash Up

The cardholder gets to enjoy cash up on flight tickets, hotel bookings, grocery stores, supermarkets, shopping, and other retail transactions.

Miles Up

Just as Cash up, the card member can earn miles up on flight tickets, hotel bookings, grocery stores, supermarkets, shopping, and other retail transactions.

Airport Lounge

The bank offers free access to the best airport lounges throughout the globe. This makes traveling easier and more comfortable for you.

Deem Offers Mobile App

The mobile app allows the card member to enjoy a huge range of discounts and deals on amusement parks, casual dining, entertaining experiences, and tourist attractions for both primary as well as supplementary cards.

FAQs

Q.1. What does Double Secure Protection mean?

Ans: This complimentary insurance facility does not only provide coverage for the outstanding balance on your credit card but also offers the nominee an equivalent amount.

Q.2. How much should my minimum monthly expenditure be in order to earn miles up?

Ans: You must have a minimum spend of 2,000 dirhams for World Card, 1,500 dirhams for the Platinum card, and 1,000 for Titanium card in a month to earn miles up.

Q.3. What is purchase protection?

Ans: Purchase protection refers to coverage in the case of accidental damage or theft for a maximum of 180 days from the purchase date.

Q.4. Can a supplementary cardholder also enjoy the benefits from the Deem Offers Application?

Ans: Yes, the supplementary cardholder can also enjoy the deals offered on the bank’s mobile app.

Q.5. How will I get to know the amount of cash up that I have earned on my Deem Credit Card?

Ans: The amount of cash up that you have earned will reflect on your credit card statement every month. One cash up point is equal to one dirham, and the bank has not determined any minimum spending criteria for earning cash up.

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