Credit Cards in UAE

Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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Compare Top Credit Cards in UAE - Annual Fees & Key Benefits

Card Name Minimum Salary (in AED)  Annual Fees (in AED)  Key Benefits
Standard Chartered Platinum Card 5000 525 Upto 2% Cashback
Mashreq Cashback Credit Card 5000 0 Upto 5% Cashback
RAKBANK Titanium Credit Card 10000 0 5% Cashback
CBD Super Saver Credit Card 8000 800 (first year free) Upto 10% Cashback
Standard Chartered Manhattan Rewards+ Card 10,000 0 1 360° Reward Point per 1 USD spent
ADIB Value+ Card 5000 0 Upto 2 Reward Points per 1 AED
Emirates NBD Titanium Credit Card 5000 400 1 Plus Point per 100 AED
FAB Platinum Visa Credit card 8000 0 3 FAB rewards per 1 AED
ADCB Touchpoints Infinite card 40000 1,050 1.5 rewards per 1 AED
FAB Standard Card 5000 0 2.5 FAB rewards per 1 AED
SimplyLife Cashback Credit Card 8000 0 1% Cashback
ADIB Etihad Guest Visa Platinum Card 5000 2000 Free Companion Air Ticket
HSBC Platinum Select Credit Card 10,000 0 1 Air Mile per 4 AED
ADCB Traveller Card 30,000 1050 2 Touchpoints per 1 AED

List of Credit Cards in
UAE

Minimum Salary

Interest Rate

Loan Amount

Reducing Rate

Profit Rate

2.99%

Minimum Salary

AED 5000

Annual Fee

AED 0

Balance Transfer

Yes

Cashback

Yes

interest rate

2.99%

Interest Rate

minimum salary

AED 5000

Minimum Salary

annual fee

AED 0

Annual Fee

Advantages

  • 1% cashback on everything
  • Free airport lounge access
  • 100% cash withdrawal limit

Features

  • You can avail 4 supplementary cards with this card.
  • Convenience to make your card payments in any of ADIB branches.
  • This card is also an islamic card
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Features

  • You can avail 4 supplementary cards with this card.
  • Convenience to make your card payments in any of ADIB branches.
  • This card is also an islamic card
  • You can get free supplementary cards for your family with this card.
  • The Forex rate stands at 3.1%
  • You get free grace period up to 55 days to repay your complete outstanding balance.
  • You need a minimum salary of AED 5000 to avail this card.
  • You can transfer your balance at a rate of 3% or for AED 300.
  • Annual fee is free for one year and AED 1000 is charged from the second year onwards.

Benefits

  • Get free road side assistance.
  • Withdraw 100% of your credit limit as cash.
  • Get SMS alerts for all your transactions.
  • Access to airport lounges worldwide via veloce lounge.
  • Avail facilities such as road side assistance with this card.
  • There is no minimum spend required to receive cashback from this card.
  • Avail Valet parking services with this card.
  • Get unlimited 1% cashback on all your major spends done with this card.
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Interest Rate

3.45%

Minimum Salary

AED 5000

Annual Fee

AED 525

Balance Transfer

Yes

Cashback

No

interest rate

3.45%

Interest Rate

minimum salary

AED 5000

Minimum Salary

annual fee

AED 525

Annual Fee

Advantages

  • Upto 12% Agoda disocunt
  • Earn 1 Rewards point for every 1$ spent
  • Buy 1 Get 1 free cinema tickets

Features

  • Interest rate: 3.45% is charged
  • Minimum income of AED 5000 is required
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Features

  • Get rewards for everyday spending
  • Get exclusive benefits at movies, cafes, etc.,
  • Interest rate: 3.45% is charged
  • Minimum income of AED 5000 is required
  • No annual fees for the first one year. From the second year AED 525 is charged.

Benefits

  • Buy 1 coffee at Costa Coffee and get 1 for free
  • Buy 1 movie ticket at VOX Cinemas and get 1 free
  • Get up to 12% discounts on travel bookings through Agoda.com
  • Get up to 20% off at the popular golf clubs
  • Get up to 10% off on hotel bookings made using hotels.com
  • Get up 30% off on bookings made at Timeout Dubai and Timeout Abu Dhabi
  • Get exclusive dining benefits on Dine & Fly app
  • Can get 50 USD off on air tickets and hotel bookings on expedia.com
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Interest Rate

3.25%

Minimum Salary

AED 10000

Annual Fee

AED 0

Balance Transfer

Yes

Cashback

No

interest rate

3.25%

Interest Rate

minimum salary

AED 10000

Minimum Salary

annual fee

AED 0

Annual Fee

Advantages

  • 1 air mile on 4 AED spent
  • Buy 1 get 1 free offers
  • Discounts at vox cinemas

Features

  • This card is recognized over 32 million establishments.
  • This card offers you benefits home and abroad.
  • This card offers you a team of financial advisers and helps you achieve your financial goals.
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Features

  • This card is recognized over 32 million establishments.
  • This card offers you benefits home and abroad.
  • This card offers you a team of financial advisers and helps you achieve your financial goals.
  • This bank offers you an instant credit card with an instant approval.
  • This card also provides an instant limit approval.
  • This card also offers 24 hour delivery of your card.
  • Avail Flexi plus installment program with which you can avail 0% installment plans for purchases.
  • The Forex rate stands at 2%
  • You get an interest free period of up to 56 days.
  • You require a minimum salary of AED 10,000 to be eligible for this card.
  • You can transfer your balance at the rate of 0% for 6 months.
    There is a processing fee of 2.99% or AED 200, whichever is higher.
  • There is no annual fee for this card.

Benefits

  • Avail 15% discount in on British Airways fares for flights from UAE to UK, Europe, USA and Canada.
  • Access HSBC mobile app for more discounts and offers.
  • Get exclusive offers on dining and shopping at 19000 outlets in 160 countries.
  • Buy one get one free offers at VOX cinemas with this card.
  • Get 12% discount with AGODA.
  • Enjoy 200 offers on Golf access programs across the MENA region.
  • Get VISA offers on VOX tickets every saturday.
  • Avail purchase protection and extended warranty with this card.
  • Avail Credit shield plus with this card.
  • Avail supplementary cards with this card.
  • Also avail Valet parking with this card.
  • Enjoy airport dining at over 200 locations with this card and with the partnership of Dragonfly.
  • Get up to AED 1000 as cashback for your spending.
  • Get up to 1 airmile for every AED 4 spent
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Profit Rate

2.99%

Minimum Salary

AED 5000

Annual Fee

AED 700

Balance Transfer

Yes

Cashback

No

interest rate

2.99%

Interest Rate

minimum salary

AED 5000

Minimum Salary

annual fee

AED 700

Annual Fee

Advantages

  • High benefits for travelers
  • Get guest miles
  • Free companion ticket

Features

  • You can avail 4 supplementary cards with this card.
  • Convenience to make your card payments in any of ADIB branches.
  • Get instant SMS updates.
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Features

  • You can avail 4 supplementary cards with this card.
  • Convenience to make your card payments in any of ADIB branches.
  • Get instant SMS updates.
  • High earning rewards program.
  • This is an Islamic card.
  • This card avails salary transfers.
  • Get preferred rates from ADIB travel desk for airlines
  • The Forex rate on this card is at 3.1%
  • Get a free grace period of 55 days to repay your outstanding balance.
  • You can balance your transfer at the rate of 3% or AED 300.
  • You need to pay an annual fee of AED 700 to avail this card.

Benefits

  • You can receive service from ADIB travel desk
  • You can redeem your Etihad guest miles for House Furnishing, Travel Bookings, Electronics and Gifts for Friends and Family.
  • You can withdraw 100% of your finance limit for your need of cash.
  • Avail advance technology of chip and pin for safe transactions.
  • Free companion ticket voucher, which is not available on any other card.
  • Fast track to Etihad guest gold tier.
  • Free airport lounge access via lounge key.
  • Valet parking at select locations.
  • Free roadside assistance.
  • Earn a welcome bonus of 50,000 Etihad guest miles.
  • Receive 3 Guest mile up to 4 AED spent internationally.
  • Receive up to 2.2 guest miles for every 4 AED spent on local transactions.
  • You can even pay for your ADIB Etihad Guest covered card’s annual fees using 60,600 Etihad guest miles.
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Interest Rate

3.25%

Minimum Salary

AED 5000

Annual Fee

AED 400

Balance Transfer

Yes

Cashback

Yes

interest rate

3.25%

Interest Rate

minimum salary

AED 5000

Minimum Salary

annual fee

AED 400

Annual Fee

Advantages

  • 40% off at golf clubs
  • 30% off on dining
  • 3%-7% off on air tickets & hotel bookings

Features

  • Your Emirates NBD MasterCard Titanium Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
  • Enjoy instant access to up to 50% of your credit limit as cash with your Emirates NBD MasterCard Titanium Credit Card.
  • Protect plus insurance.
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Features

  • Your Emirates NBD MasterCard Titanium Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
  • Enjoy instant access to up to 50% of your credit limit as cash with your Emirates NBD MasterCard Titanium Credit Card.
  • Protect plus insurance.
  • Enjoy and avail The Emirates NBD Installment plan.
  • Enjoy paying Utility bill using various options.
  • Get unlimited lounge access across middle east.
  • Avail options like Instant cash, Credit shield and free 24/7 roadside assistance.
  • The Forex rate stands at 1.99%
  • You can avail an interest free period of up to 55 days.
    You need to pay a minimum amount of 5% of the outstanding balance or AED 100, whichever is higher.
  • You need to have a minimum salary of AED 5000 to avail this card.
  • You can transfer your balance at the rate 0.8%, with a choice of 3 to 36 months.
  • The annual fee of this card is AED 400.

Benefits

  • Get up to 40% discount at 100 Golf courses worldwide.
  • Your Titanium Card provides the most convenient option for RTA Salik Auto top up.
  • Up to 30% off at over 2000 restaurants across the UAE.
  • Get 3% discount on air tickets and up to 10% discount on holiday packages through the Emirates NBD Travel Desk.
  • For every AED 100 retail spend on your card, you will earn 1 Plus Points.
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt.
  • MasterCard buy 1 get 1 offers.
  • 15% off any order when you shop online with MarkaVIP across Saudi Arabia, UAE, Jordan, Lebanon, Qatar, Kuwait, Oman and Bahrain.
  • Card fraud protection.
  • Plus points can be redeemed for cashback.
  • Earn 1 plus point for every AED 100 spend.
  • You can redeem your points with various merchants like supermarkets, cashback, frequent flyer miles etc.
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Interest Rate

3.45%

Minimum Salary

AED 10000

Annual Fee

AED 0

Balance Transfer

Yes

Cashback

Yes

interest rate

3.45%

Interest Rate

minimum salary

AED 10000

Minimum Salary

annual fee

AED 0

Annual Fee

Advantages

  • 5% cashback on dining & supermarkets
  • 50% cashback on movies
  • Free travel and purchase protection

Features

  • Exclusive discounts at selected outlets, dining, cafe and much more
  • Get travel benefits like airport lounge access, travel insurance, complimentary stays etc
  • Get cashback on movies, dining and much more
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Features

  • Exclusive discounts at selected outlets, dining, cafe and much more
  • Get travel benefits like airport lounge access, travel insurance, complimentary stays etc
  • Get cashback on movies, dining and much more
  • Get standard cashback on every transaction
  • An interest rate of 3.45% is charged
  • A minimum salary of AED 10000 is required
  • No annual fees are charged

Benefits

  • Can get complimentary travel insurance on travel bookings made using RAK Titanium Credit Card
  • Extend your monthly payments up to 55 days
  • Can avail quick and easy money transfer facility from anywhere in the world
  • Free access to more than 10 airport lounges in Dubai, Kuwait, Jordan, Abu Dhabi and Cairo regions
  • Can get a free supplementary credit card
  • Get free protection on the purchases made using RAK Titanium credit card
  • Pay your utility bills or for any other government-related services to get 0.25% discount is every AED
  • Get 20% OFF on three Careem rides monthly
  • Book a ride with Uber enjoy 20% off on the first three rides taken during any given month.
  • Can get 5% cashback on supermarkets, fuel, and dining
  • Get up to 50% cashback on movie tickets
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Interest Rate

3.25%

Minimum Salary

AED 8000

Annual Fee

AED 0

Balance Transfer

Yes

Cashback

Yes

interest rate

3.25%

Interest Rate

minimum salary

AED 8000

Minimum Salary

annual fee

AED 0

Annual Fee

Benefits

  • No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
  • Unlimited, automatic cashback on all spend
  • 3% cashback on international spend
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Benefits

  • No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
  • Unlimited, automatic cashback on all spend
  • 3% cashback on international spend
  • 2% cashback on grocery/supermarket spend
  • 1% cashback on all other spend
  • No caps, no minimum spend, no redemption process and no spend categories excluded
  • Unlimited access to 1000+ lounges worldwide for each cardholder
  • Quick Cash: instant cash loan at a click of a button
  • PayLite: turn any big purchases into small payments
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries
  • Apply for a new Citi Credit Card and get 10% discount at Amazon.ae & 15% at Zomato once a month until 31 Dec 2021. T&C Apply.
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Interest Rate

3.5%

Minimum Salary

AED 8000

Annual Fee

AED 0

Balance Transfer

Yes

Cashback

No

interest rate

3.5%

Interest Rate

minimum salary

AED 8000

Minimum Salary

annual fee

AED 0

Annual Fee

Advantages

  • Get 1.75 Stars on 1 AED
  • Discounts on movie tickets

Features

  • Complimentary offers at fitness clubs
  • Discounts on movies at Reel Cinemas, VOX Cinemas etc.
  • Provides pickup and drop facility at the airport
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Features

  • Complimentary offers at fitness clubs
  • Discounts on movies at Reel Cinemas, VOX Cinemas etc.
  • Provides pickup and drop facility at the airport
  • Can get free access to airport lounges in the Middle East region
  • Interest rate of 3.50% per month is charged
  • Minimum salary of AED 8000 is required
  • Zero annual fees

Benefits

  • Get Buy 1 Get 1 free offer on movie tickets at VOX Cinemas on tickets booked online using FAB Platinum Visa card
  • Can get 4 (per month) movie tickets for the lowest price of AED 15(on weekdays) - AED 20(on weekends) at Reel Cinemas, Cine Royal, and Oscar Cinemas
  • Pay only AED 30 on each visit to Fitness First Clubs (Maximum 4 visits per month)
  • Free travel insurance is provided on tickets booked using FAB Platinum Visa Card
  • Can get 2 free airport transfer services per annum
  • Get reward stars on every dirham spent
  • Can earn 1.75 stars on every dirham spent on international expenses and 1 Star on every AED spent on local expenses
  • Can redeem stars for Lifestyle benefits, Dining, Etihad Guest Miles, Skyward Miles and much more
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Interest Rate

3.45%

Minimum Salary

AED 12000

Annual Fee

AED 0

Balance Transfer

Yes

Cashback

Yes

interest rate

3.45%

Interest Rate

minimum salary

AED 12000

Minimum Salary

annual fee

AED 0

Annual Fee

Advantages

  • 10% Cashback
  • 2 free valet parking
  • 50% OFF at VOX Cinemas

Features

  • Both UAE nationals and expats are eligible
  • Applicant must have a debt service ratio below 50%
  • Should have a good credit history
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Features

  • Both UAE nationals and expats are eligible
  • Applicant must have a debt service ratio below 50%
  • Should have a good credit history
  • Can avail cashback on purchases made using the card
  • A minimum salary of AED 12,000 is required

Benefits

  • No annual fees are charged for the first year later on AED 800 is charged
  • Earn 10% cashback on retail categories like bills, supermarket, education, and transport
  • Can earn up to 1% cashback on every AED 2 spent on other spendings
  • Can get 50% OFF on ticket bookings made at Vox Cinemas
  • Can get 8 free visits to airport lounges worldwide via Lounge Key
  • Can get up to 12% OFF on agoda.com and 8% OFF at hotels.com
  • Can avail purchase protection and multi-trip travel protection
  • Avail exclusive 2 for 1 benefits on Visa Entertainer App
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Profit Rate

2.99%

Minimum Salary

AED 5000

Annual Fee

AED 0

Balance Transfer

Yes

Cashback

No

interest rate

2.99%

Interest Rate

minimum salary

AED 5000

Minimum Salary

annual fee

AED 0

Annual Fee

Advantages

  • 25% discount on dining
  • Earn 1 reward point per 1 AED spent
  • 100% cash withdrawal limit

Features

  • Get four supplementary cards.
  • You need to pay a fee of AED 250 on every supplementary card which has been availed after the limit of 4 supplementary cards.
  • Withdraw 100% of your finance limit.
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Features

  • Get four supplementary cards.
  • You need to pay a fee of AED 250 on every supplementary card which has been availed after the limit of 4 supplementary cards.
  • Withdraw 100% of your finance limit.
  • This card will help you in utility payments.
  • This card is also an Islamic card.
  • Also avails salary transfers as and when required.
  • You can get free grace period of 55 days to repay your outstanding balance.
  • You need a minimum salary of AED 5000 to avail ADIB Value Plus Card
  • You can balance any outstanding balance to this card at the rate of 3% or AED 300.
  • There is no annual fee on this card.

Benefits

  • Get ADIB reward points for your local and international spend.
  • Enjoy 25% discount on select dining restaurants.
  • ADIB Rewards points gives you the flexibility and freedom to redeem your points for shopping vouchers.
  • Access to Airport lounges across MENA/GCC region.
  • Avail all PricelessArabia offers
  • You can redeem your ADIB rewards points for Club apparel gift card.
  • Get facilities such as roadside assistance.
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What is a Credit Card?

Credit Cards need no introduction. Almost everyone has availed the benefits of using a Credit Card at least once in their lifetime. For those who haven’t, Credit Cards allow you to purchase goods or services on credit for a small fee. It is an alternative for cash and enables you to carry out internet-based and shop-based transactions with ease. UAE also offers Shariah compliant Credit Cards based on ‘Bai Inah’, ‘Wadiah’ and ‘Qardhul Hassan’.

The high-cost of living in UAE makes Credit Cards a must-have financial tool in every household. Credit cards have become a lifestyle necessity for people in the UAE. With an increase in usage of credit cards and healthy competition, banks have started offering bundles of benefits and amazing credit card offers in uae with each card for specific purposes. You can compare credit cards with the benefits, features, eligibility, etc. You can find the best credit card in UAE and apply credit card online in the UAE easily.

Cashback Credit Cards

1. Standard Chartered Platinum Card 

Standard Chartered bank Platinum Card provides unparalleled offers. This is most useful for people who use their credit card on daily basis for grocery shopping, school fees, dining, and entertainment. 

Standard Chartered Platinum Card comes with the perks such as:

  • Cashback of 1% on Domestic Purchases
  • Cashback of 2% on International Purchases
  • Three 20% discounted Careem rides per month
  • Get balance transfer for 0% interest rate

Fees and charges for the Platinum card

  • Annual fee AED 525
  • Minimum salary AED 5000 

Good for: Frequent shoppers. Can save up to AED 18,000 per annum on using Standard Chartered Platinum Credit Card.

2. Mashreq Cashback Credit Card

Mashreq bank provides a high range of cashback on everyday spendings. It offers cashback at supermarkets, auto rentals, online shopping and much more. There is no maximum limit cap to avail cashback. This is the best credit card in Dubai for frequent shoppers. 

Mashreq Cashback Card comes with perks such as:

  • 20% Cashback on Zomato, Netflix, etc.
  • 5% cashback on dining
  • 1% cashback on every dirham spent in UAE
  • 2% cashback on every dirham spent outside UAE
  • Free travel insurance

Fees and charges on Mashreq Cashback Card

  • No Annual Fee
  • Minimum salary AED 5000

Good for: Shoppers who use a credit card on every purchase

3. RAKBANK Titanium Credit Card 

RAKBANK titanium credit card provides holistic benefits and privileges to its members. It provides high cashback on everyday purchases. It provides travel, dining and entertainment benefits. 

RAKBank Titanium card comes with features such as

  • 5% Cashback on Supermarkets, Dining & Fuel
  • Up to 50% Cashback on Cinemas
  • 20% Off on Careem Rides
  • Unlimited complimentary access to over 10 VIP lounges in Dubai, Abu Dhabi, Cairo, Kuwait, and Jordan airport.

Fees and charges of the RAKBANK Titanium card

  • Minimum salary AED 10000
  • Annual fee AED 0

Good for: Shoppers and movie lovers looking for high cashback on 0 annual fees card. 

4. CBD Super Saver Credit Card 

As the name suggests, CBD super saver is one of the best credit cards in Dubai that help in saving on every purchase made using the credit card.

Offers provided on CBD Super Saver card are

  • Provides up to 10% cashback on retail spendings
  • 50% OFF can be availed at VOX Cinemas
  • Get 2 free valet parking services

Fees and Charges

  • Minimum salary AED 8000
  • Annual fees AED 800 (first year free)

Good for: Frequent shoppers who are looking for cashback card and uses a credit card on monthly regular expenses

Rewards Credit Cards

5. Standard Chartered Manhattan Rewards+ Credit Card 

Standard Chartered Bank Manhattan Rewards+ Card provides high rewards on every purchase made using the card. This is most useful for people who use their credit card on daily basis for shopping and dining. 

Standard Chartered Manhattan Rewards+ comes with benefits such as: 

  • Get AED 500 Amazon Gift Card as Welcome Bonus 
  • Buy 1 Get 1 Free on Movie Tickets
  • Earn One 360° reward point per 1 USD spent anywhere
  • Redeem rewards to travel miles and hotel loyalty programs
  • Get free access to 1000+ airport lounges
  • Get 20% Off on dining
  • Get 50% Off on second popcorn at Movies
  • Avail Buy 1 Get 1 Free offer at Costa Coffee

Fees and Charges

  • Annual fee AED 0 (first year)
  • Minimum salary AED 10,000

Good for: Frequent shoppers. Can save high on reward points and discounts.  

6. ADIB Value+ Card 

ADIB Value+ Card offers rewards on purchases made using the card. It offers rewards that can be redeemed on shopping, travel, etc. 

ADIB Value+ Card contains offers such as 

  • Can get high offers at selected restaurants 
  • Can get 2 reward points of every 1 AED spent 
  • Access to airport lounges 
  • Cash withdrawal of 100% credit limit  

Fees and Charges

  • Minimum salary of AED 5000
  • Annual fees AED 0

Good for: Frequent card users. Can redeem reward points and save a lot of money. 

7. Emirates NBD Titanium Credit Card

The Emirates NBD titanium credit card offers a range of discounts on lifestyle expenses. The card provides the best rewards for all your domestic and international retail spends. This card is known for the "Plus Points" provided. 

The benefits of Emirates NBD Titanium Card are:

  • 40% discount at over 100 golf courses worldwide.
  • Discounts on air tickets and holiday packages.
  • Redeemable vouchers for every AED 100 retail spend on your card, you will earn 1 Plus Points.
  • Airport lounge access.

Fees and charges for the Titanium Credit Card

  • Minimum salary AED 5000
  • Annual fee AED 400

Good for: Retail shoppers and travelers. Can save up to AED 300 on your monthly spendings.  

8. FAB Platinum Visa Credit card

FAB Platinum Visa provides a wide range of lifestyle privileges and discounts in UAE and throughout the world. It provides FAB Stars on every AED spent and high travel benefits as well. 

Some of the features of FAB Platinum card are:

  • Earn up to 3 FAB Stars for every AED 1 spent.
  • Movie tickets at AED 15
  • Lifestyle benefits including discounts on movies & access to fitness clubs.
  • Travel benefits including Meet & Greet, airport transportation & lounge access
  • Complimentary travel insurance on purchasing tickets using the card.

Fees and charges for the Platinum credit card

  • Annual fee AED 0
  • Minimum salary AED 8000

Good for: Frequent moviegoers and travelers looking for 0 annual fees card.

9. ADCB Touchpoints Infinite Card

This card offers a high range of dining, entertainment and leisure benefits. It provides rewards on every dirham spent using the card. 

Benefits that can be availed on ADCB Traveller Card are, 

  • Earn 1.5 touchpoints per 1 AED spent using the card
  • Can get bonus touchpoints of 15,000 on spending AED 15K each month 
  • Free 2 night stays at selected hotels 
  • Buy 1 - Get 1 free offer on movie tickets 
  • Can get 1 Coffee free at Caribou Coffee 
  • Get 50% OFF on careem rides during weekends

Fees and Charges 

  • Minimum salary AED 40000
  • Annual fees AED 1,050  

Good For: Frequent shoppers who can avail benefits on every purchase they make

10. FAB Standard Credit Card 

FAB Standard Card is one of the best rewards credit cards in the UAE. It offers a wide range of benefits for the cardholders 

Benefits provided on FAB Standard Card are, 

  • Earn 2.5 First reward points on every 1 AED spent 
  • Can get free access to airport lounges globally 
  • Can get up to 5% cashback on spendings made using the card

Fees and Charges 

  • Minimum salary AED 5000
  • Annual fees AED 0  

Good For: Frequent shoppers and credit card users. 

Movie Credit Cards 

11. SimplyLife Cashback Credit Card 

Simply Life offers high cashback on the purchases made using the card along with the free movie tickets. 

Benefits provided on the SimplyLife Card are, 

  • 1% cashback on all the expenses made using the card 
  • Can get 2 movie tickets for free per month 
  • Free access to airport lounges in Dubai and Abu Dhabi region

Fees and Charges 

  • Minimum salary AED 8000
  • Annual fees AED 0  

Good for: Individuals who use credit cards frequently and for movie lovers  

Travel Credit Cards

12. ADIB Etihad Guest Visa Platinum Card 

If you are a frequent traveler then this ADIB Etihad Guest Visa Platinum Card is the card for you. ADIB has made sure it covers every single corner and provide the best basket of an offer for the travelers.

ADIB Etihad Guest Visa Platinum Card contains offers such as

  • 50,000 Etihad Guest miles upon joining.
  • On international non-AED transactions, you will receive 3 Etihad Guest miles for every AED 4 equivalent spent and 2.2 Guest miles per every AED 4 spent locally.
  • Free companion ticket.
  • Valet parking at selected locations in the UAE
  • Free roadside assistance 24/7 across the UAE

Fees and charges of the Etihad visa platinum card

  • Annual fee AED 2000
  • Minimum salary AED 5000

Good for: Frequent flyers. Can save on your companion’s travel ticket.

13. HSBC Platinum Select Credit Card 

HSBC Platinum Select credit card provides you with all the global benefits that HSBC offer without the need to open a bank account with. It provides travel benefits on every AED spent.

Benefits on HSBC Platinum Select Credit Card are

  • 30% off at selected restaurants
  • 15% off on careem rides
  • Buy 1 Get 1 free on movie tickets in the UAE
  • Earn 1 Air Mile for every AED 4 spent on the card

Fees and charges for the Platinum Select credit card

  • No Annual Fees
  • Minimum salary AED 10,000

Good for: Frequent moviegoers, diners, travelers and careem riders.

14. ADCB Traveller Credit Card  

ADCB provides amazing discounts on the travel bookings made using the Traveller Credit Card. 

Offers provided on ADCB Traveller Card are, 

  • 20% OFF on flight ticket bookings 
  • 20% OFF on hotel reservations 
  • Up to 6 free night stays at selected hotels worldwide 
  • Free access to airport lounges 
  • 2 touchpoints can be earned per 1 AED spent using the card 

Fees and Charges 

  • Minimum salary AED 30000
  • Annual fees AED 1,050  

Good for: Frequent travelers 

How to apply for a Credit Card?

Getting a credit card in UAE is a simple process if you meet the eligibility criteria for the credit card you want to get.

  • Pick the best benefit you are looking for a credit card in UAE like, cashback, rewards, travel miles, shopping or dining discounts, etc.
  • Check the eligibility criteria for the card
  • Fill the application form or visit the bank website to apply for the credit card online in UAE

Credit Card Eligibility

The eligibility for a credit card varies with each bank. Here's the basic eligibility criteria for a credit card in UAE.

  • Applicant must be at least 21 years old
  • Minimum salary of AED 5000 is required
  • UAE residents are eligible

Features of Credit Cards

Over the years, Credit Cards have evolved to suit each of your spending needs. Some highlights are:

  • Rewards: Credit Cards provide high reward points on everyday spendings. These rewards can be redeemed for shopping, dining and much more.
  • Cashback: Most of the banks in UAE offer cashback on every dirham spent using the card.
  • Cash on Card: Credit Cardholders can avail a loan against their cards on nominal charges.
  • Easy Installment Plan: Can convert regular payments to EIP on low/no interest rates.
  • Interest rates: Some cards offer an interest-free period; clearing the entire bill within the period will not attract any interest charges.
  • Annual fees: Some cards charge an annual fee or joining fee which is very nominal.
  • Discounts: Most cards offer discounts at restaurants, online shopping etc.
  • Utility Bills: Pay utility bills and earn cashback or rewards on it.
  • Insurance: Can avail travel insurance, purchase protection, etc., on purchases made using the card.
  • Cashless Transaction: No need to carry cash around. Credit Cards offer cashless transactions eliminating the need to safeguard bundles of cash.
  • A great tool for exigencies, especially when you run out of cash.

Different types of Credit Cards

Credit Card companies recognize your needs and offer cards well-suited to your spending habits. This has led to a plethora of cards available in the market in UAE. Let’s look at some variants available:

  • Dining Credit Card: A foodie’s delight. These cards offer discounts at participating restaurants making your dinner outings lighter on your pocket.
  • Travel Credit Card: Bitten by the travel bug? This is the card for you. It offers a host of benefits when you travel like free miles, free night stays at partner hotels, discounts on car rentals and many such benefits.
  • Islamic Credit Card: These cards are compliant with the Shariah laws and are free from any Riba (interest) or Gharar (uncertainty).
  • Insurance Credit Card: These cards are specifically designed to provide an insurance cover in exigencies. They offer benefits like Takaful insurance or personal accident cover.
  • Student Credit Card: These cards offer discounts on school fees or cash backs along with the other benefits of a Credit Card. As a parent, this can be a huge relief considering the ever-increasing cost of education.
  • Fuel Credit Card: These cards offer exclusive discounts at petrol pumps. Some of them also offer a range of free services like road assistance, discounts on International driving license, etc.
  • Reward and Cashback Credit Card: Every time you spend on your card, these cards offer a small percentage of it back. A Reward card provides points which can be redeemed on specific products/services. A Cashback card converts a small percentage of your spending into cash and credits it back to your Credit Card account.
  • Grocery Credit Card: Time to go grocery shopping but miss the haggling with the roadside vendor? The Grocery card offers special rewards and discounts at different grocery store chains.

Credit Card fees and charges

There is a growing concern about various fees charged by Credit Card companies. While some of these are unavoidable, being meticulous with your finances can help avoid most of these charges. Here is a look at a majority of those fees:

  • Annual Fee : charged annually for the primary card.
  • Supplementary card annual fee : charged annually for all supplementary cards.
  • Retail Interest : interest charged on the purchases made using the Credit Card
  • Cash Advance Interest : interest charged on cash withdrawn using the Credit Card
  • Cash Advance Fee : fee charged for availing cash advance on your Credit Card
  • Late Payment fee : charges applicable if you do not pay your bills in time.
  • Over Limit Fee : in case your spending + interest exceeds the prescribed limit.
  • Card Replacement Fee : in case you want to replace your existing card.
  • International Transaction Fee : for use in foreign currencies.
  • Credit Shield : a cover to help you pay back the balance if you are unable to do so due to disability or death. This is provided on a monthly fee.

How to choose a credit card?

Credit cards can be of great financial assistance if rightly chosen and used. There are various uses of a credit card right from cashback, travel offers, rewards, to Easy Payment Plans and much more. Choosing a credit card can be tough if you are not clear about your requirements.

  • Spending Pattern : Understand your spending habits like on what you spend the most. Some cards provide high cashback at hypermarkets while some provide rewards on travel portals. So if you are frequent travel then get a card that can earn you travel rewards. Else get a cashback card for your frequent purchases.
  • Minimum spending : Most of the credit cards in UAE have high benefits on it. But these offers and benefits can be utilized only after a minimum spending is made on the card.
  • Credit Limit : Maximum Credit limit provided is chosen by the banks depending on the person’s liability. If you exceed the credit limit banks charge over-limit charges. So make sure you get a right credit limit according to your spendings.
  • Fees and Charges : There are several charges associated on a card. Like annual fees, joining fees, interest rates, etc. Most of the cards are provided on low/no additional fees initially. So get a complete picture of fees and charges.

Documents Required for applying for Credit Card

While every bank may have its own set of documentations required to approve an application for a Credit Card, below is a list of basic documents needed:

  • Salary Certificate not more than 30 days old (for salaried individuals)
  • Income details (for self-employed individuals)
  • Bank Statements
  • Valid Passport
  • Valid UAE ID

You must ensure that these documents are available with you before you approach a bank for a Credit Card. Apart from these, banks may choose to ask for more documents to ascertain your credit viability.

Credit Card Usage Tips

Dos

  • Understand the working of a credit card before getting one.
  • Get a perfect credit card according to your spending habits.
  • Make use of the rewards earned before the expiry date.
  • Take advantage of the discounts and features of your card while making purchases.
  • Pay credit card bill in full to avoid additional fees and charges.
  • Contact your bank immediately if your card has been stolen or if you suspect misuse of any sort. Timely action can save you thousands of Dirhams.

Don'ts

  • Don’t be reckless in your spending because you can always pay later. Beware of the debt-trap.
  • Don't use more than 30% of the credit limit assigned.
  • Don’t make purchases for the case of rewards.
  • Don’t delay your payments – avoid additional charges.
  • Avoid cash withdrawal using a credit card.
  • Don’t share your card details, passwords, PINs with anyone and ensure that your cards are kept secure always.

Remember, Credit Cards can be your best friends or worst enemies. They are financial tools designed to make life easier if used correctly. With an increase in the number of spending avenues due to growing number of shops online, you must exercise optimum control on your spending to make the best of this tool.

Frequently Asked Questions

⭐ Is cashback provided on every credit card?

A. No, not all the credit cards have cash back facility. Please read the features and benefits on the card before you opt one.

⭐ Can i get a credit card without income proof?

A. Income proof is a mandatory document if you apply for a credit card in UAE.

⭐ What is the maximum credit limit provided on the credit card?

A. The maximum credit limit depends on the applicant’s minimum salary.

⭐ Can I withdraw cash from my credit card?

A. Yes, you can withdraw cash using your credit card but some withdrawal fees are charged.

⭐ Are there any credit cards with no annual fees?

A. Yes, there are several banks providing credit cards on no annual fees lifelong.

⭐ Can I transfer my existing card balance to a new credit card?

A. Yes, you can transfer your existing credit card balance to a new credit card, if the bank approves.

⭐ Do all the credit cards provide travel benefits?

A. No, there are specific credit cards with wide range of travel benefits.

⭐ Can I get supplementary credit card for free?

A. Yes, few banks provide supplementary cards for free on the primary credit card.

⭐ Is there any eligibility to get supplementary card?

A. The supplementary credit cardholder must be of minimum 18 years and close family member of the primary cardholder.

⭐ How do I get credit card statements?

A. You can visit the bank and request for a credit card statement or can get access to online banking and print e-statements.

⭐ Is it mandatory to get credit shield?

A. It varies with banks, at few banks it is mandatory to get a credit shield and at some banks it is optional.

⭐ Can I get loan on credit card?

A. Yes, few banks provide loans on the credit card as well.

⭐ Is it mandatory to close my credit card account before I leave UAE?

A. Yes, if you are going to leave UAE for a long time then it is mandatory to close your credit card account.

⭐ Can I apply for a credit card online?

A. Yes. You can apply for a credit card online.

⭐ Which is the best credit card amongst the listed cards above?

A. The above mentioned are the best credit cards in the UAE. It depends on the applicant’s needs and requirements and usage of the credit card that determines which card can be beneficial for them.

⭐ Are non-residents of UAE are eligible for credit cards in UAE?

A. Only residents of UAE with valid Emirates ID are eligible for a credit card in UAE

⭐ What is the minimum age required to get a credit card in UAE?

A. The minimum age required to get a credit card in the UAE is 21 years.

⭐ Is the annual fee Zero on ADIB Value+ card lifelong?

A.There is NO annual fee charged on ADIB Value+ Card for a lifetime.

⭐ How many cards can I apply for?

A.There is no limit in the number of credit cards one can get, it depends on how well you manage your cards without having a negative impact on your finances and credit report.

⭐ Are there charges on cash withdrawal from the credit card?

A.Yes. there are charges levied on cash withdrawal from the credit card.

⭐ What is the maximum cash withdrawal limit offered?

A.The maximum cash withdrawal limit that can be availed depends on the card, though some banks offer a 100% cash withdrawal limit.

⭐ Is it mandatory to provide the card while getting access to airport lounges?

A. Yes. It is mandatory to present your card while getting access to airport lounges.

⭐ Can people new-to-UAE get a credit card in UAE?

A.Yes. New to UAE individuals who have a verifiable source of income can get a credit card in UAE.

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