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Recommended Credit Cards

Best Credit Card in UAE

Credit cards, the way we know them, have been around in their plastic form since the sixties. Over decades, banks and financial institutions have identified the specific needs of different consumers and have evolved their product offering to meet the needs of all kinds of consumers.

Today, there is a plethora of offers available when you search for a credit card in UAE, such as:

  • Dining Credit Card
  • Travel Credit Card
  • Islamic Credit Card
  • Insurance Credit Card
  • Student Credit Card
  • Fuel Credit Card
  • Reward and Cashback Credit Card
  • Grocery Credit Card
  • Entertainment Credit Card
  • Lifestyle Credit Card
  • Golfing Credit Card
  • Business Credit Card
  • Premium Credit Card
  • Traditional Shopping Credit Card

Choosing a card that meets your requirement and provides the best offers can be a long and tedious process. However, you must research well before applying for a credit card as the right decision can help you save a lot of money over time. Let’s look at some of the best credit card offers in UAE. [These are not in any specific order of preference] We have categorized them according to places where you might use your card the most or your preferred spend-zones.

Regular spending - Majid Al Futtaim (Najm) Blue Visa card:

  • Avail of a two percent cash back at Carrefour and one percent Cashback on all your other spends.
  • Redemption of the rewards happens automatically through Carrefour vouchers at all Carrefour stores in UAE.
  • No expiry on the cashback rewards.
  • Enjoy an Easy Payment Plan for 12 months at zero percent for purchases made on Carrefour web store and up to nine months for purchase made in-store.
  • Beat the rush with dedicated check-out counters are Carrefour Hypermarkets.
  • Get a free popcorn with every purchase of a popcorn at VOX Cinemas all days of the week.
  • Najm Lifestyle offers a 30% discount on shopping, travel, dining, and entertainment with 450 partner merchants across the UAE.
  • Zero annual fees.
  • Minimum salary requirement of AED 5000.

Click here for more details on Najm Blue Visa card

Travel specific - ADIB Etihad Guest Visa Platinum Card:

  • This card offers a welcome bonus of 50,000 Etihad Guest Miles. This is equivalent to 2 trips to a destination in India, Pakistan, Egypt or the Levant, 3 trips to Saudi Arabia, or 5 trips to Bahrain, Doha or Muscat.
  • Earn up to 3 Etihad Guest Miles for every AED 4 spent (to a maximum of 100,000 Miles per month).
  • On spending AED 150,000 using the card, you get a free companion ticket voucher to fly with you to any destination and in any class.
  • On completing 2 return flights on Etihad within a year of the issuance of the card, you will be fast tracked to Etihad Guest Gold Tier.
  • 4 free visits to over 500 VIP airport lounges across the world in a year.
  • Preferred rates and free delivery of tickets from ADIB Travel Desk.
  • Comprehensive roadside assistance in the city.
  • Valet parking at select locations in the UAE.
  • Minimum salary requirement of AED 7000.
  • Annual fee of AED 2000.
  • 100% cash withdrawal limit.

Click here for more details on ADIB Etihad Guest Visa Platinum Card

For family and kids – Dubai First - Dubai Parks and Resorts Amazing Platinum Card:

  • On every visit to Dubai Parks and Resorts, avail a 25% discount on one-day tickets. This can be availed throughout the year without any blackout dates. There is no restriction on the number of tickets that can be purchased.
  • Avail of a 15% discount when you dine at any dining outlet inside MOTIONGATE™ Dubai, LEGOLAND ® Dubai, LEGOLAND Water Park and Bollywood Parks™ Dubai.
  • A 10% discount on merchandise at MOTIONGATE™ Dubai, LEGOLAND® Dubai, LEGOLAND Water Park and Bollywood Parks™ Dubai.
  • Complimentary Q-Fast privileges.
  • Avail of a 50% discount on movie tickets and snacks in any cinema across the UAE. This is valid for any movie, seven days a week and 365 days a year.
  • You can get access to a list of premium health clubs in UAE at a visit charge of AED 15. Access is granted on a pay-per-use basis.
  • 20% discount on Careem rides – a chauffeur driven car booking service – twice a month.
  • Minimum salary requirement of AED 5000.

Click here for more details on Dubai First - Dubai Parks and Resorts Amazing Platinum Card

NBAD Gems Titanium Credit Card:

  • National Bank of Abu Dhabi has partnered with GEMS Schools and offers a discount of up to seven percent on advance payment of the school fees using the NBAD GEMS Credit card, at any GEMS school across the UAE. This is available for the American, Asian, British, and International Baccalaureate Curriculum.
  • You can enjoy 4 visits to a Fitness First Club in UAE at AED30 per visit.
  • Watch a movie at Cine Royal, Oscar Cinema and Reel Cinemas for AED10 [during weekdays] and AED 20 [during weekends].
  • If you book your air tickets using the NBAD GEMS credit card, then you can avail 2 complimentary airport transfers within the city limits per the calendar year.
  • Access VIP lounges at airports across the Middle East without any prior booking.
  • Earn 1 NBAD star for every domestic purchase worth AED1 and 1.75 NBAD Stars for every international purchase worth AED1. These stars can be redeemed against various offers.
  • A minimum monthly spend on your card amounting to AED 2000 is required to avail most of these benefits.
  • Your child/children must be enrolled in one of the GEMS schools to avail the card.
  • Zero annual fees.

Here's the link for more details on NBAD Gems Titanium Credit Card

Mashreq Platinum Elite Card:

  • Complimentary access to over 500 airport lounges in over 300 cities.
  • Complimentary travel insurance certificate – a mandatory document before traveling to most of the Schengen countries in Europe.
  • Complimentary Elite travel protection plan covering the costs of a medical emergency, lost baggage among a host of other benefits.
  • Mashreq Salaam, a comprehensive loyalty program which helps you maximize the benefits of every purchase. You can earn 3-4 Salaam points for every Dirham spent within the country using your Mashreq Platinum Elite card and 6-8 Salaam points for every Dirham spent internationally.
  • 15% discount on the SaferDriver service.
  • Annual fee of AED 650.

Click here for more details on Mashreq Platinum Elite Card

Standard Chartered Titanium Card

  • Up to 10% cashback in grocery stores.
  • Up to 10% Cashback on utility payments.
  • Cashback on school fees up to 10%.
  • Great discounts on movies, dining, lifestyle, and entertainment up to 50%.
  • Access 10 airport lounges for free.
  • Get first free Careem ride and also gain 20% discount on two rides every month.
  • Gain 10% off at Hotels.com.
  • Minimum salary required AED 5000.

Click here for more details on Standard Chartered Titanium Card

Emirates NBD Titanium Credit Card

  • Avail 40% off at 100 golf courses worldwide.
  • Air tickets and holiday packages discounts.
  • Redeemable vouchers for every AED 100 retail spend on your card, you will earn 1 Plus points.
  • Airport lounge access.
  • Get up to 30% off over 2000 restaurants all over UAE, Middle East, and Europe.
  • 5% discount on air tickets.
  • 10% discount on holiday packages.
  • 55 Interest-free days, if you keep paying your outstanding balance on time.
  • Minimum salary required AED 5000.

Here's the link for more details on Emirates NBD Titanium Credit Card

RAKBANK Titanium Credit Card

  • Cashback on Supermarkets, Dining & Fuel up to 5%.
  • Up to half Cashback on Cinemas.
  • 2% Cashback on your Domestic & International Retail Purchase Transactions, Internet Transactions, and International Cash Advances.
  • Unlimited complimentary access to over 10 VIP lounges in Dubai, Abu Dhabi, Cairo, Kuwait, and Jordan airport.
  • No annual fee ever.
  • Up to 55 days interest-free credit card.
  • Free Travel Accident Insurance.
  • Minimum salary required AED 10000.

Click here for more details on RAKBANK Titanium Credit Card

How to choose a Credit Card in UAE

Check this to know How to choose a credit card in UAE

FAQs

Q. How do I decide which credit card is best for me?

A. Look for basic parameters like annual fees, interest/profit rates, rewards/benefits offered, schedule of charges and try to align them with your lifestyle. Once you have done this, identifying the best credit card for you should not be difficult.

Q. Should I opt for a card with the highest credit limit?

A. It can be a counterproductive decision. If you need a loan, then you must opt for personal loans. Credit cards must ideally be used for minor expenses which can be repaid within 30 days of spending. A higher credit limit might spiral your expenses out of control and land you in a debt trap.

Q. Are these benefits worth anything?

A. If you choose the right card, then these small discounts can add up and easily offset the annual fees, interest or any other charges.