Deem Finance review: Very disappointing and worst experience with deem credit card

I’m really disappointed with my experience with Deem.

It doesn’t provide the full context, and they fail to disclose important information upfront, which can be misleading to customers.
I applied for the card because of the bonus offer and made sure to meet the minimum spending requirement. What was not clearly explained to me beforehand was that I also needed to keep the card open for one year after receiving the bonus.

If you decide to close the card before completing that one-year period, Deem will charge back the bonus, even if you have already met the required spending criteria.

What makes this more frustrating is that the bonus is credited within two months after completing the 90-day spending period. This means you may have to wait almost five months from the date you started the spending requirement just to receive the bonus, and then you are expected to keep the card open for another year after receiving it.

This is an important condition that should be clearly communicated upfront, rather than being buried in lengthy terms and conditions.
If this is an important condition, customers should be clearly informed about it from the beginning. They said, it’s mentioned in the terms and conditions. The problem is that these terms are very long, and important conditions like this should be clearly highlighted in the offer or email rather than expecting customers to go through every single detail. Or at least specify the important information upfront. Customers deserve transparency, especially when they are spending money specifically to meet a promotional requirement.

The customer service experience was also disappointing. It was difficult to reach them, and when I finally managed to get assistance, the response was not helpful and came across as aggressive and unprofessional.

These are just some of my concerns. On top of that, Deem also has some unreasonably high charges for instalment plans and cash advances, which makes the overall experience even more disappointing.

I hope Deem takes this feedback seriously and improves both its communication and customer service. Customers should not have to discover important conditions only after meeting the requirements or when trying to close their card. These types of unfair and unjust practices should not be allowed in the UAE.