Cashback Credit Cards with Airport Lounge Access in the UAE 2025

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Looking for a credit card that rewards your everyday spending and enhances your travel experience? In the UAE, several cashback credit cards offer the perfect blend of value and luxury—combining attractive cashback on purchases with complimentary airport lounge access across major airports. These cards are ideal for frequent travellers who also want to maximise savings on groceries, fuel, dining, and more.

Whether you're flying for business or leisure, airport lounge access can make your journey more comfortable with perks like Wi-Fi, refreshments, and relaxing spaces away from the crowds. This guide helps you compare the best cashback credit cards in the UAE that come with lounge access benefits—covering features like cashback rates, free visits, guest access, spend requirements, and annual fees—so you can choose the one that matches both your lifestyle and travel goals.

List of Cashback Credit Cards with Airport Lounge Access in the UAE


S. NoName of Cashback Credit Card with Airport Lounge Access
1Emirates Islamic Switch Cashback Credit Card
2Emirates Islamic CashBack Plus Card
3HSBC Cash+ Credit Card
4HSBC Live+ Credit Card
5CBD Super Saver Credit Card
6CBD One Credit Card
7SC Journey credit card
8SC Simply Cash credit card
9SC X Credit Card
10Ajman ULTRACASH Mastercard Touch Card
11Dubai First Cashback Credit Card
12UAB Mastercard World Credit Card
13UAB Titanium Mastercard Credit Card
14UAB Platinum Mastercard Credit Card
15Citi Cash Back Credit Card
16FAB Cashback Credit Card
17FAB SHARE Signature Credit Card
18BLUE FAB Signature Credit Card by Al-Futtaim
19BLUE FAB Infinite Credit Card by Al-Futtaim
20FAB GEMS World Credit Card
21FAB Travel Card
22Priority Banking Visa Infinite Credit Card
23Liv Cashback Card
24Liv Cashback+ Card
25The American Express® Platinum Credit Card
26The American Express® Gold Credit Card (1% Money Back)


1. Emirates Islamic Switch Cashback Credit Card

Cashback Benefit

Cashback Rate: Up to 8%, with a choice between Lifestyle or Travel plans.

Category Caps:

  • Up to AED 200 on supermarkets, dining, education, airlines, or hotels.
  • Up to AED 100 on fuel.
  • No cap for telecom, utilities, real estate, and government spends.

Airport Lounge Benefit

  • Complimentary access to 1,200+ lounges worldwide.
  • Unlimited access for primary and supplementary cardholders.
  • First visit is free of charge.
  • Guest fee: USD 32 per person, per visit.
  • Visa Airport Companion App for lounge access and offers.
  • From the second visit onward, at least USD 1+ foreign spend on the primary or supplementary card must be made 15 days prior to the lounge visit.

Spending Requirements:

  • Minimum monthly spend: AED 2,500 to earn cashback.
  • Maximum eligible spend: AED 10,000.

Fees & Charges:

  • Monthly interest rate: 3.69%.
  • Annual fee: AED 313.95.


2. Emirates Islamic CashBack Plus Card

Cashback Benefit

  • Telecom Expenses: 5% guaranteed cashback.
  • Electronics Purchases: 5% guaranteed cashback.
  • All Local & International Transactions: Up to 1% guaranteed cashback (no monthly cap).

Airport Lounge access Benefit

  • Complimentary access to 1,200+ lounges worldwide.
  • Unlimited visits for primary and supplementary cardholders (1st visit unconditional, T&Cs apply).
  • Guest fee: USD 32 per person, per visit.
  • Visa Airport Companion App for lounge access and offers.
  • From 2nd visit onward:
  • Requirement: At least USD 1+ foreign spend on primary or supplementary card 15 days prior to the visit.
  • If condition not met: USD 32 per visit.

Spending Requirements:

  • Minimum Spend: None.
  • Minimum Monthly Salary Requirement: AED 5,000.

Fees & Charges:

  • Monthly interest rate: 3.69%.
  • Annual fee: AED 367.50.


3. HSBC Cash+ Credit Card

Cashback Benefit

  • Daily Cashback: 1% cashback on all purchases, every day (no minimum spend, no cap).
  • Bonus Cashback: 10% extra cashback all year when minimum spend criteria are met.

Airport Lounge Access

  • Complimentary Visits: 2 per year.
  • Unlimited Visits: Available with required spend.
  • Guest Policy: 1 guest free; USD 32 per additional guest.
  • Visa Airport Companion App for lounge access and offers.
  • Unlimited Access Condition: At least 1 international transaction of USD 1+ on the card 15 days before travel (post 2nd visit).

Additional Details

  • Minimum Spend: None.
  • Minimum Monthly Salary Requirement: AED 30,000.
  • Monthly Interest Rate: 3.69%.
  • Annual Fee: AED 0 for the first year; AED 1,050 (incl. VAT) from the second year onwards


4. HSBC Live+ Credit Card

Cashback Benefit

  • Up to 6% cashback on everyday essentials with a minimum monthly spend of AED 3,000:
  • Dining: 6% cashback (max AED 200)
  • Fuel: 5% cashback (max AED 200)
  • Groceries, Education & Entertainment: 2% cashback each (max AED 200 per category)
  • All other spends: 0.5% cashback
  • If monthly spend is below AED 3,000: Flat 0.5% cashback on all categories.

Airport Lounge Access

  • Complimentary Visits: 12 per year.
  • Eligibility: Available for both primary and supplementary cardholders.
  • Visa Airport Companion App for lounge access and offers.
  • Access Condition: At least 1 international spend of USD 1+ made 15 days before travel (1st visit exempt; standard charges apply beyond 12 visits).

Additional Details

  • Minimum monthly spend to unlock cashback rates: AED 3,000
  • Minimum monthly salary requirement: AED 5,000
  • Monthly interest rate: 3.69%
  • Annual fee: AED 0 for the first year; AED 313.95 (incl. VAT) from the second year onwards.


5. CBD Super Saver Credit Card

Cashback Benefit

  • Earn up to 10% cashback based on your monthly spend on bills, education, supermarket & transport categories:
  • AED 3,000 – 9,999.99: 3% cashback (max AED 75 per category, AED 300 total/month)
  • AED 10,000 – 19,999.99: 5% cashback (max AED 100 per category, AED 400 total/month)
  • AED 20,000 & above: 10% cashback (max AED 150 per category, AED 600 total/month)
  • Below AED 3,000: No cashback

Airport Lounge Access

  • Complimentary access to 1,000+ lounges worldwide.
  • 8 complimentary visits per year for the cardholder only; guest access not included.
  • First visit is free unconditionally.
  • To unlock remaining free visits, a minimum of USD 1 international spend on the primary or supplementary card is required at least 15 days prior to the lounge visit.
  • Without meeting the spend requirement, a USD 32 fee per visit applies.
  • Access via Visa Airport Companion App.

Additional Details

  • Minimum monthly spend to earn cashback: AED 3,000
  • Minimum monthly salary requirement: AED 5,000
  • Monthly interest rate: 3.85%
  • Annual fee: Free for the first year; AED 420 from the second year onwards.

6. CBD One Credit Card

Cashback Benefit

  • Earn up to AED 135 cashback every month.
  • Exclusive cashback at top lifestyle, entertainment & travel brands including:
  • Noon, Amazon, Airbnb, Booking.com, Uber, Careem, Talabat, Deliveroo, Netflix, Spotify, Prime Video, Starbucks, Vox Cinemas, and more.
  • Cashback is based on merchant category codes (MCC) and merchant names as shown on your card statement.
  • MCC classifications are determined by Visa and may vary; the bank is not responsible for incorrect or misclassified MCCs affecting cashback eligibility.

Airport Lounge access

  • Access to 1,000+ lounges globally.
  • 8 complimentary visits per year for cardholder only; no guest access.
  • To unlock remaining free visits, complete a foreign transaction of USD 1+ on primary or supplementary card at least 15 days before the lounge visit.
  • If the condition is not met, a USD 32 fee applies per visit.
  • Access via Visa Airport Companion App.

Additional Details

  • Minimum monthly salary requirement: AED 5,000
  • Monthly interest rate: 3.85%
  • Annual fee: Free for life


7. SC Journey credit card

Cashback Benefit

  • 10% cashback on UAE duty-free shopping (up to AED 100 per billing cycle).
  • To qualify:
  • Book an airline ticket using your Journey Credit Card.
  • Shop at any duty-free store across UAE airports (MCC 5309).
  • Cashback is credited automatically to your statement.

Airport Lounge access

  • Access to 1,000+ lounges worldwide through the Visa Airport Companion App.
  • 8 complimentary lounge visits per year for the primary cardholder only (guest access is generally not included).
  • To unlock complimentary visits beyond the first, a foreign transaction of USD 1+ on the primary or supplementary card is required at least 15 days before the lounge visit.
  • If the transaction condition is not met, a fee (commonly USD 32 per visit) applies.
  • Additional visits beyond the complimentary limit are subject to fees as per the card terms.

Additional Details

  • No minimum spend requirement.
  • Minimum monthly salary requirement: AED 30,000.
  • Monthly interest rate: 3.69%.
  • Annual fee: AED 1,575.
  • First year fee waived if you spend AED 10,000 within 60 days.
  • From the second year, fee waived with AED 150,000 yearly spend.


8. SC Simply Cash credit card

Cashback Benefit

  • Up to 2% cashback across travel, international, and local spends:
  • Airline spends: 2% cashback on direct bookings with airlines (MCC 3000–3301 only).
  • International spends: 2% cashback on all foreign currency transactions (including travel & online purchases in non-AED currencies).
  • Government, insurance, rental & auto dealership fees: 0.2% cashback (MCCs: 9399–9402, 6300, 5511, 6513, etc.).
  • All other domestic retail spends: 1% cashback (excluding above MCCs).

Airport Lounge access

  • Complimentary access to select airport lounges (usually limited to a fixed number of visits per year).
  • Lounge access often requires prior foreign transaction on the card or payment of a fee per visit if conditions aren’t met.
  • Guest access may not be included or may be chargeable.
  • Access is typically managed via the Visa Airport Companion App.

Additional Details

  • No minimum spend required.
  • Minimum monthly salary requirement: AED 8,000.
  • Monthly interest rate: 3.69%.
  • Annual fee: AED 525, free for the first year. Fee waived in following years if yearly spend is AED 9,000 or more.


9. SC X Credit Card

Cashback Benefit

  • Earn up to 10% cashback based on your total monthly spend:
  • Online spends: Up to 10% cashback (max AED 400 per month)
  • Foreign currency spends: Up to 10% cashback (max AED 400 per month; includes in-store and online international purchases)
  • Mobile wallet spends (Apple Pay, Samsung Pay, Google Pay): Up to 10% cashback (max AED 200 per month)

Airport Lounge access

  • Complimentary access to 1,000+ lounges worldwide through the Visa Airport Companion App.
  • Typically includes a set number of complimentary visits per year for the primary cardholder.
  • Guest access may be included or available at a fee (usually around USD 32 per guest per visit).
  • To qualify for complimentary visits beyond the first, a minimum foreign or international spend (e.g., USD 1+) on the card may be required within a set period before the lounge visit (commonly 15 days).
  • Additional visits beyond the complimentary limit are charged per visit.

Additional Details

  • Minimum monthly spend to earn cashback: AED 2,500
  • Minimum monthly salary requirement: AED 8,000
  • Monthly interest rate: 3.69%
  • Annual fee: Free for the first year; AED 525 from the second year onwards.


10. Ajman ULTRACASH Mastercard Touch Card

Cashback Benefit

ULTRACASH Mastercard – Cashback Benefits

UAE Nationals:

  • 10% cashback on fuel for the first 3 months, then 5% cashback on selected categories.

Expatriates:

  • 5% cashback on selected categories.

Choose any 2 categories for cashback:

  • Fuel: Up to AED 400 per month
  • Online Shopping: Up to AED 200 per month
  • Supermarkets: Up to AED 200 per month
  • School Fees: Up to AED 200 per month
  • All other spends: 1% cashback (capped to credit limit per billing cycle).

Airport Lounge access

  • Unlimited access to LoungeKey & Marhaba lounges.
  • Unlimited complimentary visits at 25+ lounges across UAE, KSA, UK, US, and more.
  • Guest access policies vary by lounge.
  • Access via LoungeKey or Marhaba, depending on the card issuer.
  • No minimum spend required, unless specified by your card issuer—please check your card’s terms and conditions for eligibility.

Additional Details

  • No minimum spend required.
  • Minimum monthly salary requirement: AED 10,000.
  • Monthly interest rate: 3.68%.
  • Annual fee: AED 500 for UAE Nationals; AED 300 for Expatriates.

11. Dubai First Cashback Credit Card

Cashback Benefit

  • Earn up to 5% cashback on everyday essentials (max AED 1,000 per month):
  • Supermarkets & Groceries: 5% cashback (max AED 150 per cycle)
  • Fuel: 5% cashback (max AED 150 per cycle)
  • Dining: 5% cashback (max AED 150 per cycle)
  • Government, Utilities & Transit: 0.15% cashback (no cap)
  • Schools, Bookstores, Florists, Laundry & More: 0.15% cashback (no cap)
  • Real Estate & Insurance: 0.15% cashback (no cap)
  • All Other Retail Spends: 0.5% cashback (no cap)
  • Cash, Quasi-cash, Money Transfers & Similar: 0% cashback

Airport Lounge access

  • Complimentary access ranging from 4 to 14 visits per year, depending on the card type.
  • Guest access allowed at USD 32 per person.
  • Access managed through the Mastercard Travel Pass App.
  • To maintain complimentary access, make an international (cross-border) transaction of USD 1 or more every 3 months.

Additional Details

  • No minimum spend required.
  • Minimum monthly salary requirement: AED 5,000.
  • Monthly interest rate: 3.99%.
  • Annual fee: AED 399.


12. UAB Mastercard World Credit Card

Cashback Benefit

  • Up to 10% cashback on everyday spends:
  • School Fees: Up to 10% cashback (Annual cap AED 6,000; Monthly cap AED 2,000)
  • Fashion: Up to 10% cashback (Monthly cap AED 500)
  • Fuel: Up to 10% cashback (Monthly cap AED 150)
  • Video Streaming (e.g., Netflix, Disney+): 100% cashback (Monthly cap AED 150)

Airport Lounge access

  • Complimentary access to a network of airport lounges worldwide, typically via the LoungeKey program.
  • Number of complimentary visits may vary (often around 4-6 visits per year).
  • Guest access usually allowed at a fee (commonly around USD 32 per guest).
  • Access managed through the LoungeKey app or website.
  • Some cards may require a minimum foreign or international spend prior to the visit to qualify for complimentary access.

Additional Details

  • Minimum monthly spend: AED 5,000
  • Minimum monthly salary requirement: AED 40,000
  • Monthly interest rate: 3.79%
  • Annual fee: AED 1,050, waived if yearly spend reaches AED 60,000


13. UAB Titanium Mastercard Credit Card

Cashback Benefit

  • Grocery & Supermarket: Up to 5% cashback (MCC 5411)
  • Fuel: Up to 5% cashback (MCC 5541 & 5542)
  • Video Streaming (Netflix, Disney+, etc.): 100% cashback (MCC 4899, 5968)
  • Monthly cashback cap: AED 500 per billing cycle

Airport Lounge access

  • Access to 1,200+ lounges in 135+ countries via Titanium Mastercard.
  • Access and number of visits depend on the cardholder’s tier.
  • Guest access varies according to card tier.
  • Access managed through the Mastercard Travel Pass App.
  • A cross-border transaction of minimum USD 1 may be required; please check the card issuer’s terms and conditions for details.

Additional Details

  • Minimum monthly spend: AED 3,000
  • Minimum monthly salary requirement: AED 6,000
  • Monthly interest rate: 3.79%
  • Annual fee: Free for life


14. UAB Platinum Mastercard Credit Card

Cashback Benefit

  • Groceries & Supermarkets: Up to 5% cashback (MCC 5411)
  • Fuel: Up to 5% cashback (MCC 5541, 5542 — includes CAFU)
  • Video Streaming Services (e.g., Netflix, Disney+): 100% cashback (MCC 4899, 5968)
  • Monthly cashback cap: AED 500 per billing cycle

Airport Lounge access

  • Access to 1,200+ lounges in 135+ countries.
  • Access and guest privileges depend on card policy and tier.
  • Managed via the Mastercard Travel Pass App.
  • Qualifying cross-border spend may be required; please refer to UAB Mastercard terms & conditions for details.

Additional Details

  • Minimum monthly spend: AED 3,000
  • Minimum monthly salary requirement: AED 10,000
  • Monthly interest rate: 3.79%
  • Annual fee: AED 787.50, waived with annual spending of AED 60,000 or more.


15. Citi Cash Back Credit Card

Cashback Benefit

Up to 3% cashback with no monthly cap:

  • 3% cashback on non-AED spend
  • 2% cashback on grocery spend
  • 1% cashback on all other spend

Airport Lounge access

  • Access to 1,200+ lounges worldwide.
  • 8 complimentary visits per calendar year, shared with dining offers.
  • 1 visit free without any spend required.
  • Guest fee: USD 32 per guest; children over 1 year counted as guests.
  • Access managed via the Mastercard Travel Pass App.
  • Minimum USD 1 international (non-AED) spend unlocks lounge access for 3 months; applies to both primary and supplementary cards.

Additional Details

  • No minimum spend required
  • Minimum monthly salary requirement: AED 8,000
  • Monthly interest rate: 3.50%
  • Annual fee: AED 0 for the first year; AED 300 from the second year if yearly spending is below AED 9,000


16. FAB Cashback Credit Card

Cashback Benefit

  • Earn up to AED 1,000 cashback monthly as FAB Rewards:
  • Supermarket (including online): 5% cashback (capped at AED 150/month)
  • Fashion: 5% cashback (capped at AED 150/month)
  • Dining: 5% cashback (capped at AED 150/month)
  • All other spends (excluding select categories): 1% cashback
  • Select categories (government, utilities, telecom, etc.): 0.15% cashback
  • Non-AED (foreign currency) spends: 3% cashback
  • Cashback is credited as FAB Rewards, instantly redeemable via the FAB Mobile App.
  • Maximum cashback cap: AED 1,000 per billing cycle across all categories.

Airport Lounge access

  • Free worldwide access via Mastercard Priceless program.
  • 8 complimentary visits per year for the cardholder.
  • 6 complimentary visits per year for 1 guest.
  • Additional guests may incur charges.
  • Access managed via Mastercard Priceless / Travel Pass App.
  • Specific terms and conditions may vary; refer to your card issuer or platform for details.

Additional Details

  • Minimum monthly spend: AED 3,000
  • Minimum monthly salary requirement: AED 5,000
  • Monthly interest rate: 3.99%
  • Annual fee: AED 300


17. FAB SHARE Signature Credit Card

Cashback Benefit

  • Carrefour (in-store & online): 7% cashback
  • Mall Experiences (VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, Little Explorers): 8.25% cashback
  • Mall Shopping (Mall of the Emirates, City Centres): 6.25% cashback
  • International, Retail & Online Spends: 2.75% cashback

Airport Lounge access

  • Complimentary access to 1,000+ lounges worldwide, subject to card eligibility.
  • Guest access varies depending on card type and issuer policy.
  • Access managed through the Visa Airport Companion App.
  • Typically requires an international spend (e.g., USD 1) before access; please check your card issuer’s terms and conditions for exact details.

Additional Details

  • No minimum spend required
  • Minimum monthly salary requirement: AED 30,000
  • Monthly interest rate: 3.99%
  • Annual fee: AED 1,500


18. BLUE FAB Signature Credit Card by Al-Futtaim

Cashback Benefit

  • Earn 6% cashback on Al-Futtaim Retail.
  • Earn 3% cashback on Al-Futtaim Others.
  • Earn 1% cashback on other spends.
  • Earn 0.15% cashback on selected category spends.
  • Monthly cashback cap: AED 3,000 or 600,000 Al-Futtaim FAB Rewards.

Airport Lounge access

  • Complimentary access to 1,000+ lounges worldwide.
  • Guest access depends on the cardholder’s plan and card type.
  • Access managed via the Visa Airport Companion App.
  • Subject to card-specific terms; check with your issuer or visamiddleeast.com for current eligibility conditions.

Additional Details

  • No minimum spend required.
  • Minimum monthly salary requirement: AED 15,000.
  • Monthly interest rate: 3.99%.
  • No annual fee.


19. BLUE FAB Infinite Credit Card by Al-Futtaim

Cashback Benefit

  • Earn 8% cashback on Al-Futtaim Retail.
  • Earn 4% cashback on Al-Futtaim Others.
  • Earn 1% cashback on other spends.
  • Earn 0.15% cashback on selected category spends.
  • Monthly cashback cap: AED 4,000 or 800,000 Al-Futtaim FAB Rewards.

Airport Lounge access

  • Complimentary access to 1,000+ airport lounges worldwide.
  • Guest access varies by issuer and card tier.
  • Access managed via the Visa Airport Companion App.
  • Typically requires an international spend of USD 1 or more to unlock or maintain access.
  • Subject to issuer terms and conditions.

Additional Details

  • No minimum spend required.
  • Minimum monthly salary requirement: AED 40,000.
  • Monthly interest rate: 3.99%.
  • No annual fee.


20. FAB GEMS World Credit Card

Cashback Benefit

  • GEMS School Fees: Save up to 4.25% on GEMS Education tuition payments.
  • Other School Expenses: 10% cashback on bus fees, canteen, uniforms, and extracurricular activities (credited as FAB Rewards).
  • International Travel Spends: 2% cashback on all overseas spending.
  • Everyday Domestic Spends: 1% cashback on all other local purchases.

Airport Lounge access

  • Up to 8 complimentary visits per year.
  • 1 guest per visit included in the allowance.
  • Access managed via Mastercard Travel Pass / Priceless.com.
  • May require a minimum international spend; check your card issuer’s terms for eligibility.

Additional Details

  • No minimum spend required.
  • Minimum monthly salary requirement: AED 8,000.
  • Monthly interest rate: 3.99%.
  • Annual fee: AED 399, waived if you spend AED 24,000 or more (excluding education) in the previous year.

21. FAB Travel Card

Cashback Benefit

  • Earn 12% cashback in FAB Rewards on all flight and hotel spends.
  • To qualify, meet a minimum retail spend of AED 5,000 in the previous month.
  • Cashback cap: AED 1,800 per month.

Airport Lounge access

  • Access to select airport lounges globally, often via the LoungeKey or Visa Airport Companion App.
  • Number of complimentary visits and guest access may vary based on card tier and terms.
  • May require a minimum spend or activation transaction prior to lounge visit.
  • Additional visits or guests may incur fees.

Additional Details

  • Minimum monthly salary requirement: AED 5,000.
  • Minimum monthly spend: AED 25,000.
  • Monthly interest rate: 3.99%.
  • Annual fee: AED 1,500.


22. Emirates Priority Banking Visa Infinite Credit Card

Cashback Benefit

  • 5% on retail transactions above AED 5,000
  • 2% on transactions between AED 2,500 and AED 4,999
  • 1% on transactions below AED 2,500

Airport Lounge access

  • Access to 1,000+ premium lounges in 300+ cities worldwide.
  • Unlimited complimentary visits for primary and supplementary cardholders (upon app registration).
  • 1 guest free per visit; additional guests charged USD 32 per guest.
  • Access via Visa Airport Companion App only (physical card not accepted); offline access supported via biometrics.
  • Requires AED 5,000 monthly spend in the month of use; usage fee applies if this condition is not met.


23. Liv Cashback Card

Cashback Benefit

  • 2.0% cashback on monthly spends of AED 10,000 and above
  • 1.5% cashback on monthly spends between AED 5,000 and AED 9,999
  • 0.75% cashback on monthly spends below AED 5,000
  • Cashback applies to all spends including shopping, fuel, school fees, travel, and more
  • 0.1% cashback on low merchant categories like government payments, utilities, and bills
  • Cashback capped at AED 750 per month
  • Earn up to 5,000 Skywards Miles per month (convertible from reward points)

Airport Lounge access

  • 4 complimentary lounge visits per calendar year
  • Guest entries count against your annual visit cap or incur charges
  • Access managed via Mastercard Travel Pass app
  • To unlock access for 3 months, make a minimum USD 1 cross-border transaction (or equivalent in local currency)

Additional details:

  • No minimum spend required
  • Monthly salary requirement: AED 5,000
  • Interest rate: 3.49%
  • Annual fee: Free for life


24. Liv Cashback+ Card

Cashback Benefit

  • 4% rewards on all spends (shopping, fuel, school fees, travel) with monthly spends of AED 15,000+
  • 2% rewards for monthly spends between AED 7,000 and AED 14,999
  • 1% rewards for monthly spends below AED 7,000
  • 0.1% rewards on low merchant categories like government, utilities, and bill payments
  • Rewards points can be redeemed for cashback or Emirates Skywards Miles (minimum 500 points)
  • Monthly cap of AED 1,500 cashback or up to 10,000 Skywards Miles per month

Airport Lounge access

  • 8 complimentary lounge visits per calendar year
  • Guest entries either deduct from the annual visit cap or incur a charge
  • Access managed via the Mastercard Travel Pass app
  • To unlock complimentary access for 3 months, a minimum USD 1 cross-border transaction (or equivalent in local currency) is required

Additional details:

  • No minimum spend required
  • Minimum monthly salary requirement: AED 12,000
  • Interest rate: 3.25%
  • Annual fee: AED 700


25. The American Express Platinum Credit Card

Cashback Benefit

  • 10% cashback on dining (dine-in, takeaway, or travel)
  • AED 50 monthly cashback cap
  • Requires minimum monthly spend of AED 4,000
  • AED 75 cashback on groceries (online or in-store)
  • Requires minimum grocery spend of AED 1,000 per month

Airport Lounge access

  • 12 complimentary visits per year for Basic Cardmember (includes guests)
  • 8 complimentary visits per year for each Supplementary Cardmember
  • Guest visits count toward the annual visit cap; additional guests charged US$35 per person
  • Enrollment via Amex MENA app or Online Services
  • Access through Priority Pass Mobile App
  • No minimum spend required

Additional Info:

  • Minimum monthly salary requirement: AED 21,250
  • Interest rate: 3.25%
  • Annual fee: AED 700


26. The American Express Gold Credit Card (1% Money Back)

Cashback Benefit

  • 1% moneyback on all purchases
  • Earn AED 1 back for every AED 100 spent on the Moneyback Credit Card
  • No minimum spend required

Airport Lounge access

  • 5 complimentary visits per year, shared between primary and 1 eligible supplementary cardmember
  • 1 guest allowed per visit; additional guests charged US$35 per person (fees may vary)
  • Enrollment via Amex MENA app or Online Services
  • Access through Priority Pass™ Mobile App
  • No minimum spend required to activate lounge access

Additional Info:

  • Interest rate: 3.25%
  • Annual fee: AED 295

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