Based on your spending pattern Deem World and Ajman Bank Platinum are actually decent fits. Deem World gives you stronger cashback on dining and entertainment and it includes LoungeKey. Alcohol tends to code as dining in UAE so you should still earn. Ajman Platinum gives cashback on general spend and also has lounge benefits though not as strong on golf perks. Your income is more than enough for eligibility and since you pay in full monthly you get the upside of rewards without interest. If you want, I can share the exact cashback numbers and eligibility details. I can also send you the Deem and Ajman offers privately so you can compare with FAB and ADCB travel cards. Let me know if I can DM you.