Ajman Bank BRight World Credit Card
15,000 BRight Rewards upfront + 0% foreign transaction fees
at Ajman Bank's secure site
See rates & fees.
Rewards rate
The 0% FX markup is the real story here — almost nothing else in the UAE's Islamic card market matches it, and the 15,000 upfront points sweeten the first year. But 1,500 + VAT is serious money for a bank that won't publish its lounge program, salary requirement or points-expiry rules.
Earning and redeeming BRight Rewards
The BRight World earns up to 2.5 BRight Rewards for every 10 you spend — the highest rate in Ajman Bank's BRight family. The bank's own 'up to' phrasing suggests not every category earns the full rate, and it publishes no category table, so treat 2.5 as the ceiling rather than a guarantee.
Redemption runs through www.ajmanrewards.ae: flight bookings across 300+ airlines, more than 300,000 hotel options, gift vouchers and electronics. The bank does not publish a per-point value or an expiry policy, so test redemption prices before you stockpile points.
Rates and fees
- Annual fee
- 1,500 per year, exclusive of 5% VAT. No advertised first-year waiver.
- Foreign transaction fee
- 0% bank processing fee — Mastercard's standard scheme fee on international transactions still applies.
- 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.
- 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
0% foreign transaction fees
No bank markup on overseas or foreign-currency spend — only Mastercard's own scheme fee applies. A rare feature among UAE Islamic cards.
15,000 BRight Rewards upfront
Granted as a complimentary welcome boost — enough for a short-haul flight redemption via ajmanrewards.ae, per the bank's 'FLY for FREE' pitch.
Airport lounge access
Complimentary lounge access is advertised, though the bank publishes no program name or visit limits — confirm details before you travel.
Valet parking, 4x a month
Complimentary valet at over 35 locations across the UAE, four times every month.
Up to 30% off Cleartrip
Discounted flight and hotel bookings through Cleartrip when paying with the card.
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.
Pros and cons
- 0% bank markup on foreign-currency spend — rare at any price in the UAE
- 15,000 BRight Rewards granted upfront, no spend hoop advertised
- Highest earn rate in the BRight family (up to 2.5 per 10)
- Valet parking 4 times a month at 35+ locations
- Late payment charge ( 125) goes to charity under Sharia supervision, not to the bank
- 1,500 annual fee (plus 5% VAT) with no advertised first-year waiver
- Mastercard's own scheme fee still applies to international transactions despite the 0% bank markup
- Murabaha profit is a steep 42% per annum if you don't pay in full
- Lounge access details (program, visit limits) are not published
- No published minimum salary or points-expiry terms — you only find out when you apply
Is it right for you?
Get this card if
- You spend heavily in foreign currency and want to stop paying 2–3.67% FX markups
- You want a Sharia-compliant premium card with real travel perks
- You can extract flight or hotel value from 15,000 upfront BRight Rewards
- You pay your balance in full every month
Consider skipping it if
- 1,500 + VAT a year is more than your travel spend justifies
- You want published lounge terms and salary requirements before committing
- You ever carry a balance — 42% p.a. profit is punishing
- You'd rather have simple cashback than a bank points program
Alternatives to consider
The BRight Platinum keeps the 0% foreign transaction fee and lounge access for 1,000 a year, trading down to 1.5 points per 10 and a 10,000-point welcome boost.
Best Islamic cards →
Ajman Bank's ULTRACASH pays up to 10% cashback on two everyday categories you pick — fuel, online, supermarkets or school fees — instead of travel points.
Best cashback cards →
Emirates Islamic's Cashback Card is another Sharia-compliant option that skips points entirely in favour of direct cashback on everyday spend.
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
What is the annual fee for the Ajman Bank BRight World card?+
AED 1,500 per year, excluding 5% VAT. The bank does not advertise a first-year waiver. Supplementary cards: the first 2 are free, then AED 50 per card per year.
Does the BRight World card really have 0% foreign transaction fees?+
Ajman Bank charges 0% processing fee on foreign-currency transactions for this card. However, the standard scheme fee charged by Mastercard on international transactions still applies, so overseas purchases are not entirely fee-free.
Is the BRight World 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 do I earn and redeem BRight Rewards?+
You earn up to 2.5 BRight Rewards for every AED 10 spent. Redeem at www.ajmanrewards.ae across 300+ airlines, 300,000+ hotels, gift vouchers and electronics.
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.
Does the card come with lounge access?+
The bank advertises complimentary airport lounge access, but does not publish which lounge program, how many lounges, or any visit limits. Confirm the mechanics with the bank before counting on it.
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.