In a bold step to transform credit card rewards in the UAE, Deem Finance has introduced the Joy-Win Credit Card Program, a first-of-its-kind loyalty solution that empowers customers with the freedom to choose how they earn rewards—either guaranteed returns or exciting prize opportunities.
Launched in response to direct customer feedback, the program is fully integrated into the Deem Mobile App, allowing cardholders to seamlessly switch between two distinct modes:
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JOY Mode: Offers guaranteed rewards on Lifestyle and Travel spending, with accelerated earnings up to AED 1,000 based on spend thresholds.
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WIN Mode: Allows customers to earn entries into a grand prize draw of AED 250,000 for every AED 100 spent.
The program represents Deem Finance’s mission to simplify financial access and build lasting customer relationships through transparency, personalization, and innovation.
“At Deem, we empower customers through simplicity, transparency, and choice,” said Chris Taylor, CEO of Deem Finance. “The Joy-Win Credit Card reflects our commitment to meaningful financial solutions by offering complete control over reward preferences, without any added cost.”
Suji Gopalakrishnan, Head of Retail Assets at Deem, added: “Whether customers prefer predictable benefits or the thrill of winning, this card lets them toggle between both, every month, right from their smartphone.”
How It Works:
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Cardholders can switch modes monthly via the Deem App.
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JOY users can toggle between Lifestyle and Travel reward categories.
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WIN participants are automatically entered into a quarterly grand prize draw, earning one entry per AED 100 spent.
This customer-first approach demonstrates Deem’s efforts to redefine loyalty in finance by delivering products that adapt to individual lifestyles and preferences. With the Joy-Win program, every dirham spent becomes a step closer to either guaranteed rewards or a life-changing prize.
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