Roadmiles Premium Credit Card

What makes this card Islamic

Ajman Bank builds this card on a Qard Hasan + Ujrah contract. The bank lends you the money and you pay back exactly what you borrowed, not a penny more.

Ajman Bank's Key Facts Statement: "'ROADMILES' Credit Card is structured as per the Islamic principles of Qard where a fixed monthly fee is charged." The bank's tariff groups these under 'Monthly Fee Based Cards' with a flat monthly membership fee rather than a percentage profit rate. The monthly fee is applied 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

AED 250Annual fee is IN ADDITION to the monthly membership fee. Excludes 5%% VAT.source

Supplementary card

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

Profit rate

Not publishedNo percentage profit rate. Instead a flat 'Monthly Membership Fee' of AED 650, charged when the total outstanding is not paid in full by the payment due date (Key Facts Statement disclaimer 4: 'Monthly Fees are applicable when you do not pay the Total Outstanding Due in full on or before the Payment Due Date').

Cash withdrawal

AED 150 per transaction, maximum withdrawal AED 5,000 per transaction. Cash advance available up to 100% of the credit limit on Monthly Fee Based Cards.

Late payment

AED 125'Late Payment Fees Force Donation', per instance. Excludes 5% VAT.

Foreign currency spend

4% 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.

Before you apply

• This is a Qard (interest-free loan) plus a FIXED MONTHLY FEE, not a percentage profit rate. The fee is charged whenever the total outstanding is not paid in full by the due date — so on a small unpaid balance the effective cost is enormous, and on a large one it is comparatively cheap.
• Roadmiles no longer appears anywhere in Ajman Bank's website navigation or on any live product page; it survives only in the May 2025 Key Facts Statement and the Tariff of Charges. Treat availability to new applicants as unconfirmed.
• Payment due date is up to 22 days from the statement date (Islamic Covered Cards get up to 25).
• Foreign currency processing fee is 4% on Visa — the highest of any Ajman consumer card.
• Fees are quoted exclusive of 5% VAT.

Can you get it?

Other conditions

No minimum income found on any live Ajman Bank page for the Roadmiles range.

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.

• ““ROADMILES” Credit Card is structured as per the Islamic principles of Qard where a fixed monthly fee is charged. — Ajman Bank Key Facts Statement (Credit Card), May 2025”
• “Credit Cards — Monthly Fee Based Cards: Roadmiles Classic, Roadmiles Premium, Roadmiles Platinum, Power Gold, Power Platinum, Power World — Ajman Bank Tariff of Charges (Retail)”
• “Processing Fee for FX transactions (per transaction): Master Card - 3.5% & Visa - 4% — Ajman Bank Tariff of Charges, Monthly Fee Based Cards”
• “Payment due date from statement date: Up to 22 days — Ajman Bank Tariff of Charges, General for Fee Based Credit Cards”
• “Minimum amount due: 5% of principal outstanding & 100% of all fees amount or AED 100 (whichever is higher) — Ajman Bank Tariff of Charges, General for Fee Based Credit Cards”
• “Roadmiles Card: 4% — Ajman Bank Key Facts Statement, Processing Fee of Foreign Currency Transactions”
• “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)”
• “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”
• “Monthly Membership Fee — Roadmiles Classic AED 350, Roadmiles Premium AED 650, Roadmiles Platinum AED 1000 — Ajman Bank Tariff of Charges (Retail)”
• “Primary Card annual fee — Roadmiles Classic AED 200, Roadmiles Premium AED 250, Roadmiles Platinum AED 300 — Ajman Bank Tariff of Charges (Retail)”
• “Monthly Fees are applicable when you do not pay the Total Outstanding Due in full on or before the Payment Due Date — Ajman Bank Key Facts Statement, Disclaimers item 4”

• Schedule of charges