- Annual fee
- AED 600
- Minimum monthly salary
- AED 10,000
- Welcome bonus
- AED 1,000 cashback when you spend AED 10,000 within 60 days.
AED 600 a year, waived if you spend AED 5,000 in the first 60 days.
Our take
Higher caps than LIFE Platinum, 5% on foreign spend, AED 1,000 welcome cashback and lounge, valet and golf perks.
Good for
People spending AED 5,000+ a month online and eating out.
Watch out for
The AED 600 fee is only waived if you spend AED 5,000 in the first 60 days.
Written by Joe Hickman from Ajman Bank's published terms. Not personal advice.
What it's worth in practice
The World version doubles the caps to AED 100 per category and adds 5% abroad. At about AED 6,600 a month you could fill most of them: AED 1,000 on noon, Amazon and Careem, AED 1,400 eating out, AED 2,000 abroad, AED 200 on snacks and AED 2,000 elsewhere. That earns about AED 418 a month, or around AED 5,000 a year. Spend AED 5,000 in your first 60 days and the AED 600 fee is waived, and AED 10,000 in 60 days adds AED 1,000 cashback. If you spend less than AED 5,000 a month, Ajman Bank LIFE Platinum Cashback is free and earns from AED 3,000. The catch: under AED 5,000 in a cycle the World pays nothing, so it suits steady spenders only.
What you need
| Minimum salary | AED 10,000 a month |
|---|---|
| Welcome bonus | AED 1,000 cashbackSpend AED 10,000 within 60 days (about AED 5,000 a month) |
| Top earn rates need | AED 5,000 a monthAED 5,000 spend in the statement cycle |
Taken from Ajman Bank's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.
How it compares
Its AED 600 annual fee is higher than 29 and lower than 5 of the other 34 cashback cards with a published fee. The AED 10,000 minimum salary compares with a typical AED 7,000 for cashback cards; 20 of 28 ask for less. It has a welcome offer right now, as do 9 of the 34 other cashback cards; this one needs AED 10,000 of spend to unlock in full. The headline rates need AED 5,000 of spending a month, so it suits people who'll put their main spending on it. It's Shariah-compliant, one of 69 Islamic cards we list.
Ajman Bank has 5 other cards on MoneyVS: Ajman Bank ULTRACASH Platinum, Ajman Bank LIFE Platinum Cashback, Ajman Bank BRight Platinum, Ajman Bank BRight Titanium, Ajman Bank BRight World.
Compared with the 35 cashback cards on MoneyVS, using each bank's published figures as of 2 Nov 2026.
Related Ajman cards side by side
This Ajman Bank LIFE World Cashback has an annual fee of AED 600, needs a AED 10,000 salary and is Shariah-compliant, and earns: 10% cashback on noon, Amazon and Careem (max AED 100). Ajman Bank also offers:
- Ajman Bank LIFE Platinum Cashback: fee Free for life, salary AED 10,000. Headline earn: 10% cashback on noon, Amazon and Careem (max AED 50).
What you earn
- 10% cashback on noon, Amazon and Careem (max AED 100)
- 7% on dine-in restaurants (max AED 100)
- 5% on international spends (max AED 100)
- 50% on refreshments and snacks (max AED 100)
- 1% on other retail
Included benefits
- Airport lounges
- Valet parking
- Airport transfers
- Golf
Many benefits need a minimum monthly spend or app registration. Check the bank's terms.
Ajman Bank LIFE World Cashback: common questions
What salary do I need for the Ajman Bank LIFE World Cashback?
Ajman Bank asks for a minimum monthly salary of AED 10,000.
Does the Ajman Bank LIFE World Cashback have an annual fee?
Yes, AED 600.
How do I get the Ajman Bank LIFE World Cashback welcome bonus?
AED 1,000 cashback: spend AED 10,000 within 60 days.
Is there a minimum monthly spend?
Yes. AED 5,000 spend in the statement cycle.
Is the Ajman Bank LIFE World Cashback Islamic?
Yes. It is a Shariah-compliant (covered) card.
How do I get the Ajman Bank LIFE World fee waived?
Ajman Bank waives the AED 600 fee if you spend AED 5,000 in the first 60 days.
Does LIFE World pay cashback abroad?
Yes, 5% on international spends, up to AED 100 a month.
Compare with
- Ajman Bank LIFE Platinum Cashback: the closest alternative
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