Titanium Card


  • No annual fee
  • Airport lounge access with MasterCard at prime locations in the GCC
  • Offered to UAE Nationals and Expatriate
  • Offered under Qard Hassan mode of Islamic Finance
  • Higher Credit Limit
  • 0% profit for 3 months on travel purchases
  • 0% profit for 6 months on balance transfer
  • Credit Shield takaful against personal accident and loss of employment
  • Free emergency auto assistance
  • Free annual auto registration or renewal
  • Free SMS notifications & e-statements, so you can track all your transactions
  • 24/7 access to our Call Centre
  • Balance transfer facility available

Al Wifaq Titanium Credit Card is fully Sharia compliant credit card. It is free for life credit card with no annual or membership fee.

Our most exclusive card brings you our most exclusive benefits – because that’s what you deserve.


Local spending :  
1.5 miles for every AED 1 you spend  
International Spending:  
3 miles for every AED 1 you spend  

Fees and Tariffs

Annual fee  
Monthly Fees  
As per Credit Card limit & Usage  
Annual fee Supplementary (4 free)  
AED 100  
Cash Advance per month  
AED 200 per 3000 cash withdrawal  
Late payment fee  
AED 300  
Duplicate statement / copy request  
AED 100  
Credit shield per month  
Foreign transaction fee ^  
Payment at exchange houses  
AED 5/transaction  
AED transaction outside UAE  
Replacement card  
AED 150  

^ Excluding payment association fees

All charges are subject to change.


APplicants must be:

  • - Earning at least AED 8,000 per month.
  • - A UAE National or resident UAE expat.
  • - Older than 21 years.
  • - Length of Service-Confirmed or 6 months.

Terms and Conditions

Terms & Conditions Apply.

Al Wifaq may, from time to time by giving notice in writing or by publication, vary the Minimum Payment Amount, rate of finance charge or profit or any other charges/fees specified in Terms and Conditions. Such variations apply from the effective date specified by Al Wifaq.

Discover more offers