Ajman Bank BRight Titanium Credit Card
Free for life — Sharia-compliant rewards with no annual fee
at Ajman Bank's secure site
See rates & fees.
Rewards rate
Free-for-life cards usually strip out every perk; this one keeps twice-monthly valet and full access to the BRight redemption catalogue, which is more than most no-fee cards manage. The earn rate is slow and the 2.1% FX fee rules it out for travel spending — but as a zero-cost Sharia-compliant daily driver, it does its job.
Earning and redeeming BRight Rewards
The BRight Titanium earns up to 1 BRight Reward for every 10 you spend — a tenth of a point per , the slowest rate in Ajman Bank's BRight family. The bank's 'up to' phrasing suggests some categories may earn less, and no category table is published.
The consolation is that redemption is identical to the paid cards: www.ajmanrewards.ae covers 300+ airlines, 300,000+ hotels, gift vouchers and electronics. With no annual fee to recover, every point is pure upside — just don't expect them to accumulate quickly.
Rates and fees
- Annual fee
- Free for life — 0, per the bank's Key Facts Statement.
- Foreign transaction fee
- 2.1% bank processing fee, plus Mastercard's standard scheme fee on international transactions.
- Profit rate (Murabaha)
- Fixed 42% per annum (~3.5% per month) when the balance isn't paid in full by the due date.
- Cash advance fee
- 150 per transaction (per withdrawal up to 5,000).
- Late payment
- 125 commitment-to-donation — routed to charity under Sharia supervision, net of the bank's actual costs.
- Supplementary cards
- First 2 free, then 50 per card per year — despite the page's blanket 'FREE supplementary cards' claim.
- Balance transfer / Easy Cash
- 0.99%–1.5% per month depending on tenure, up to 36 months.
Figures from Ajman Bank's Credit Card Key Facts Statement (May 2025). All fees exclusive of 5% VAT. Verify with the bank before applying.
Card benefits
No annual fee, ever
Listed as 'Free for Life' in the bank's own Key Facts Statement — no spend condition or salary-transfer requirement is advertised to keep it free.
Valet parking, 2x a month
Complimentary valet at over 35 locations across the UAE, twice every month — a rarity on a card that costs nothing.
Full BRight redemption catalogue
The same ajmanrewards.ae portal as the paid BRight cards: 300+ airlines, 300,000+ hotels, vouchers and electronics.
Sharia-compliant structure
Murabaha-based card from a fully Sharia-compliant bank; late-payment amounts are donated to charity under the Internal Shariah Supervision Committee.
0% installment plans
Interest-free installment plans at preferred partners, including Emirates 'Fly now, pay down the line' flight bookings.
Balance transfer up to 36 months
Move balances from other cards at 0.99%–1.5% per month depending on tenure, with Easy Cash transfers to your account also available.
Pros and cons
- Genuinely free for life — no annual fee and no advertised conditions to keep it
- Access to the same BRight Rewards redemption catalogue as the paid cards (300+ airlines, 300,000+ hotels)
- Valet parking twice a month at 35+ locations — unusual on a no-fee card
- First 2 supplementary cards free
- Late payment charge ( 125) goes to charity under Sharia supervision, not to the bank
- 2.1% foreign transaction fee — and Mastercard's own scheme fee comes on top
- Slowest earn rate in the family: up to 1 BRight Reward per 10 (~0.1/)
- No lounge access and no welcome bonus
- Murabaha profit is a steep 42% per annum if you don't pay in full
- No published minimum salary, earn caps or points-expiry terms
- Page advertises 'FREE supplementary cards' but the KFS says only the first 2 are free
Is it right for you?
Get this card if
- You want a genuinely free Sharia-compliant card for everyday spending
- This is your first credit card and you want zero carrying cost
- You'll use the valet parking — it alone beats most no-fee cards' perks
- You pay your balance in full every month
Consider skipping it if
- You spend in foreign currency — 2.1% plus scheme fees adds up fast
- You want lounge access or a welcome bonus (step up to the Platinum)
- You want fast rewards — 1 point per 10 is slow going
- You ever carry a balance — 42% p.a. profit is punishing
Alternatives to consider
For 1,000 a year the BRight Platinum flips the FX fee to 0%, adds lounge access, 10,000 upfront points and a faster 1.5x earn rate.
Best travel cards →
Ajman Bank's ULTRACASH pays up to 10% cashback on two everyday categories you pick — a faster payoff than slow-drip BRight points.
Best cashback cards →
ADIB's Cashback Gold is another entry-level Sharia-compliant card that pays direct cashback instead of points — worth comparing before you commit.
Best Islamic cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Is the Ajman Bank BRight Titanium card really free?+
Yes — the KFS lists it as 'Free for Life' with no annual fee. Other fees still apply (5% VAT on fees, AED 150 cash advance, AED 75 card replacement), and supplementary cards are free only for the first 2, then AED 50 per card per year.
Does the BRight Titanium charge foreign transaction fees?+
Yes. Unlike the BRight Platinum and World (both 0%), the Titanium charges a 2.1% processing fee on foreign-currency transactions, plus the standard scheme fee charged by Mastercard on international transactions.
Is the BRight Titanium card Sharia-compliant?+
Yes. It is structured under the Islamic principle of Murabaha, and Ajman Bank is a fully Sharia-compliant bank. Late payments incur an AED 125 commitment-to-donation amount that goes to charity under the bank's Internal Shariah Supervision Committee.
How many BRight Rewards does the Titanium card earn?+
Up to 1 BRight Reward for every AED 10 spent — the lowest rate in the BRight family, but redeemable through the same www.ajmanrewards.ae catalogue of 300+ airlines, 300,000+ hotels, vouchers and electronics.
Does the BRight Titanium include airport lounge access?+
No. Lounge access is advertised only on the BRight Platinum (AED 1,000/year) and BRight World (AED 1,500/year) cards.
What is the profit rate if I carry a balance?+
The Murabaha profit rate is a fixed 42% per annum (about 3.5% per month), applied when you do not pay the total outstanding in full by the due date.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.