Travel Today, Indulge Tomorrow, or Enter the Draw! Switch Your Rewards, Your Way.

- Unlock up to 100,000 accelerated Joy Points every month with the freedom to switch between Travel and Lifestyle rewards.

OR

- Feeling lucky? Switch to the grand prize of AED 250,000 Draw every six months!

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Your Rewards. Your Way.

Your everyday spends now bring you bigger and better rewards on lifestyle and travel. You can also choose to enroll to Deem's Win Program of AED 250,000.

Total control. Maximum rewards. One powerful card.

Deem Titanium Credit Card gives you the power to choose how you earn where it matters.

Total control. Maximum rewards. One powerful card.

Deem Platinum Credit Card gives you the power to choose how you earn where it matters.

Total control. Maximum rewards. One powerful card.

Deem World Credit Card gives you the power to choose how you earn where it matters.
Titanium
If your monthly income is AED 5K+
  • Free for first year
  • JOY – Earn up to 50,000 guaranteed rewards on lifestyle and travel spends
  • OR Unlock an entry to win AED 250,000 with every AED 100 spent
  • Up to 10% discount on hotel bookings at booking.com
  • Up to 20% on Avis car rentals worldwide
  • 10% off your car rental with rentalcars.com
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Read terms
All benefits

Titanium Deem Mastercard

Switch
From WIN to JOY — Travel to Lifestyle. Choose. Switch. Enjoy.
Swipe
Swipe and Spend where it matters between Lifestyle and Travel Anytime.
Earn
Spend and Earn Up to 50,000 accelerated Joy Points with your Deem Card.
Redeem
Explore your card benefits, track your points and redeem your rewards, your way via the Deem Mobile App.
Platinum
If your monthly income is AED 10K+
  • Free for life
  • JOY – Earn up to 75,000 guaranteed rewards on lifestyle and travel spends
  • OR Unlock an entry to win AED 250,000 with every AED 100 spent
  • Up to 30% on ClearTrip
  • Up to 10% discount on hotel bookings at booking.com
  • Up to 20% on Avis car rentals worldwide
  • 10% off your car rental with rentalcars.com
  • 10% off on selected luxury fashion with Farfetch
  • Complimentary valet parking service
Know more
Read terms
All benefits

Platinum Deem Mastercard

Switch
From WIN to JOY — Travel to Lifestyle. Choose. Switch. Enjoy.
Swipe
Swipe and Spend where it matters between Lifestyle and Travel Anytime.
Earn
Spend and Earn Up to 50,000 accelerated Joy Points with your Deem Card.
Redeem
Explore your card benefits, track your points and redeem your rewards, your way via the Deem Mobile App.
World
If your monthly income is AED 25K+
  • Free for Life
  • JOY – Earn up to 100,000 guaranteed rewards on lifestyle and travel spends
  • OR Unlock an entry to win AED 250,000 with every AED 100 spent
  • Up to 10% on ClearTrip
  • Up to 10% discount on hotel bookings at booking.com
  • Up to 35% on Avis car rentals worldwide
  • 10% off your car rental with rentalcars.com
  • 10% off on selected luxury fashion with Farfetch
  • Complimentary valet parking service
  • Free 2-year premium myUS
  • Travel Medical Insurance
  • Travel Insurance Letter
Know more
Read terms
All benefits

World Deem Mastercard

Switch
From WIN to JOY — Travel to Lifestyle. Choose. Switch. Enjoy.
Swipe
Swipe and Spend where it matters between Lifestyle and Travel Anytime.
Earn
Spend and Earn Up to 50,000 accelerated Joy Points with your Deem Card.
Redeem
Explore your card benefits, track your points and redeem your rewards, your way via the Deem Mobile App.
You won't have to squint to read our Terms and Conditions
I am enrolled in Deem Weekly Draw's Win Program of AED 100,000, what will happen to my entries?

Effective 1 of May 2025, all the Deem cardholder enrolled in Deem Weekly Draw of AED 100,000 will be auto enrolled to the new WIN Program.

Customer will be able to see the WIN Entries in the Deem Mobile App. The draw will be changed from monthly to bi-annually and customers will be able to get an entry into this draw with a spend of AED 100.

What is Deem’s New Loyalty Program?

Deem Finance Joy-Win Credit Card Program allows cardholders to earn guaranteed Rewards on lifestyle and travel spends or get an entry into the draw of AED 250,000 with a spend of AED 100.

WIN Program: customer gets entries in the draw of AED 250,000 every 6 months.

JOY Program: customer can earn up to 100,000 Joy Points that can be redeemed as a payment to the card outstanding, or used for multiple options like Miles transfers, gift vouchers, instant purchases, flights, hotels & much more.

Apply to find out if you are eligible.

How can I select the Joy or WIN Program for my credit card?

Cardholders can log in to the Deem Mobile App and select the program they prefer (Joy or WIN) and accordingly they will be enrolled for the program for the calendar month. The selection is allowed up to a maximum of 2 times in the month.

What are the benefits of the WIN Program?

The WIN Program allows customers to earn entries into a biannual AED 250,000 prize draw.

For every AED 100 spent on retail purchases, one entry is awarded. Additional entries are earned for every subsequent AED 100 spent — the more you spend, the better your chances to win.

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