BRight Titanium Credit Card

What makes this card Islamic

Ajman Bank builds this card on a Murabahah contract. The bank buys the thing you want, then sells it to you at a stated cost plus a stated profit, payable later.

Ajman Bank's Key Facts Statement: "'ULTRACASH' Credit Card is structured as per the Islamic principles of Murabaha. Murabaha refers to a commercial transaction which involves the buy and sale of goods that has been promised to be purchased by an ultimate buyer with an added profit margin." The bank's tariff groups ULTRACASH and the BRight range under the heading 'Islamic Covered Cards' at a Murabaha profit rate of 3.50% per month. Profit is charged only when the total outstanding is not paid in full by the payment due date.

Approved by Internal Shariah Supervision Committee (ISSC), under the supervision of Central Bank of the UAE.

What it costs

Every figure below comes from Ajman Bank’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

Free for lifeFree for lifesource

Supplementary card

AED 50First 2 supplementary cards free, then AED 50 per annum per card.source

Profit rate

3.5% a month on the outstanding balance42% a year as stated by the banksource

Cash withdrawal

AED 150 per transaction, applicable up to AED 5,000 per transaction. Cash advance limited to 90% of the credit limit on Islamic Covered Cards.

Late payment

AED 125Called 'Commitment to Donation' / 'Late Payment fees Forced Donation', per instance. Excludes 5% VAT.

Foreign currency spend

2.1% on top of the exchange rate

Replacement card

AED 75

Takaful cover

Credit Shield (takaful) at 0.99% per month, charged as a fixed rate on the total outstanding balance as at the statement date. Free for the first two months, chargeable thereafter; opt-out by phone.

What you get back

• Earn up to 1 BRight Reward for every AED 10 spent

Other benefits

• Free for life
• Complimentary airport lounge access
• Valet parking 2 times a month at over 35 locations
• Redeem BRight Rewards across 300+ airlines, 300,000+ hotels, gift vouchers and electronics at ajmanrewards.ae
• Balance transfer repayable over up to 36 months
• Easy Cash
• 0% instalment payment plan at preferred partners (incl. Emirates airline)
• Free supplementary cards (first 2)

Before you apply

• Fees are quoted exclusive of VAT; 5% VAT is added and billed on the monthly card statement.
• Murabaha profit is charged whenever the total outstanding is not paid in full by the payment due date — it applies to the unpaid total due from the transaction date, and to every new transaction posted since the statement date.
• The AED 125 late charge is a 'Commitment to Donation' and is donated to charity after the bank recovers its actual delay costs.
• Cash advance is capped at 90% of the credit limit and AED 5,000 per transaction, at a flat AED 150 per transaction.
• The BRight overview page and the individual card pages disagree on the earn rate (overview says 'up to 3 / 2 / 1 BRight Rewards per AED 10' for World / Platinum / Titanium; the individual card pages say 2.5 / 1.5 / 1). The individual card page figure is recorded here; treat this as an unresolved conflict on the bank's own site.
• Foreign transaction processing fee is 2.1% — the two higher BRight tiers charge 0%.

Can you get it?

Other conditions

Neither the BRight product pages nor the Key Facts Statement states a minimum income for the BRight range; Ajman Bank's other consumer cards require AED 10,000.

What to have ready

• Key Fact Statement
• Credit Card Application Form
• Passport and Emirates ID
• Visa copy where applicable
• Salary certificate or one month payslip
• Trade licence for eligible self-employed individuals

Where these figures come from

Last checked against Ajman Bank’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• ““BRIGHT” Credit Card is structured as per the Islamic principles of Murabaha. — Ajman Bank Key Facts Statement (Credit Card), May 2025”
• “Murabaha profit (Annual Profit Rate for BRight and Ultracash card) 42% per annum — Ajman Bank Key Facts Statement”
• “Islamic Covered Cards — Murabaha Profit Rate (p.m.) 3.50% (BRight Titanium, BRight Platinum, BRight World) — Ajman Bank Tariff of Charges (Retail)”
• “the Customer commit to donate on demand by the Bank in addition to such sum or part thereof an additional amount (the Commitment to Donation Amount) AED 125.00/- … the remaining amount to be donated, on behalf of the Customer, to a charity or charities, under the supervision of the Internal Shariah Supervision Committee (the ISSC). — Ajman Bank Key Facts Statement (Credit Card)”
• “IMPORTANT: Applicable when you do not pay the Total Outstanding Due in full on or before the Payment Due Date — Ajman Bank Key Facts Statement (Credit Card), Murabaha profit row”
• “All Fees mentioned above and on www.ajmanbank.ae are exclusive of Value Added Tax (VAT). A VAT of 5% shall be applicable on all Fees levied by the Bank — Ajman Bank Key Facts Statement, Disclaimers”
• “BRight Titanium — Primary Card Annual Fee: Free for life — Ajman Bank Tariff of Charges, Islamic Covered Cards”
• “Processing fee for foreign currency (per transaction) 2.1% of transaction amount — Ajman Bank Tariff of Charges (BRight Titanium column)”
• “BRight Titanium: 2.1% — Ajman Bank Key Facts Statement, Processing Fee of Foreign Currency Transactions”
• “FREE for LIFE / Earn up to 1 BRight Reward for every AED 10 spend / Valet Parking 2 times a month at over 35 locations — BRight Titanium product page, KEY PRODUCT FEATURES”

• Product page
• Schedule of charges