List of No Annual Fee Credit Cards in UAE 2025
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Thank you for providing your details.Credit Cards with No Annual Fee in UAE
Benefits
- No Annual Membership Fee (AMF) subject to spend*
- Automatic cash back on all purchases, with no minimum spend: <div>3% on Non-AED spend</div> <div>2% on Grocery Spend</div> <div>1% on all other spend</div>
- No caps (up to the credit limit each month), no redemption process and no spend categories excluded
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Benefits
- No Annual Membership Fee (AMF) subject to spend*
- Automatic cash back on all purchases, with no minimum spend:
3% on Non-AED spend2% on Grocery Spend1% on all other spend
- No caps (up to the credit limit each month), no redemption process and no spend categories excluded
- Airport Lounges: access to 1,200+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app (T&Cs apply)
- Airport Transfers: 1 rides per year (up to AED 84 each) using code "MAUAE2“ on the Careem app
- Talabat: 20% discount (up to AED 14) on grocery and food orders once month on the Talabat app. Use code “MASTERCARD” at checkout
- Booking.com: Up to 7% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
- Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions
* No AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies
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Advantages
- 10% Cashback
- Airport Lounge Access
- Balance Transfer
Features
- Both UAE nationals and expats are eligible
- Avail cashback on purchases made using the card
- Get lifestyle benefits and complimentary lounge access.
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Features
- Both UAE nationals and expats are eligible
- Avail cashback on purchases made using the card
- Get lifestyle benefits and complimentary lounge access.
- The interest rate of 3.85% is charged
- The minimum salary required for the month is AED 5000
- Get free for the first year on an annual fee and from the second year onwards AED 420 including VAT.
Benefits
- Save super big with up to 10% cashback on bills, education, supermarkets, and fuel – up to AED 600 per month.
- Enjoy annual cashback savings worth up to AED 7,200.
- Unlock 2-for-1 offers with the Xperience App powered by ENTERTAINER.
- Get your travel insurance with multi-trip coverage of up to USD 500,000 for you and your family.
- Shop stress-free with Purchase Protection against theft or damage.
- Extend peace of mind with Extended Warranty, doubling your manufacturer’s coverage by up to one year.
- Stay secure with Credit Shield protection on your outstanding balance.
- Enjoy 8 complimentary airport lounge visits globally through the Visa Airport Companion App.
- Get 20% discount at KidZania®, Dubai Aquarium, The Storm Coaster, Dubai Ice Rink, and more Emaar attractions.
- Earn bonus Play DXB credits when you purchase credits with your CBD Card.
- Enjoy the benefits of a 0% Easy Payment Plan, Balance Transfer, and Quick Cash at competitive rates.
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Advantages
- Air Miles
- Lifestyle Offers
- Balance Transfer
Features
- Earn rewards on every spend and redeem them for flights, hotels, shopping, and more.
- Enjoy up to 56 interest-free days on purchases when balance is paid in full.
- Transfer balances from other UAE credit cards to save on interest.
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Features
- Earn rewards on every spend and redeem them for flights, hotels, shopping, and more.
- Enjoy up to 56 interest-free days on purchases when balance is paid in full.
- Transfer balances from other UAE credit cards to save on interest.
- Get a complimentary 12-month Careem Plus subscription.
- Avail up to 50% off dining bills with Zomato Gold membership.
- Enjoy discounts at over 400 restaurants across the UAE.
- Access 200+ lifestyle offers across dining, retail, and hotels in MENA.
- Get Buy 1 Get 1 Free movie tickets every month with minimum spend.
- Enjoy up to 25% off food and drinks at cinemas across the UAE.
- Benefit from automatic extended warranty up to 1 year on purchases.
- Shop confidently with purchase protection against theft or damage.
- Add your card instantly to your digital wallet via the HSBC UAE app.
- The Forex rate stands at 2%
- You get an interest free period of up to 56 days.
- You require a minimum salary of AED 5,000 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.
the Annual Percentage Rate on outstanding purchases and cash withdrawals on all HSBC credit cards will increase to 44.28%.
Benefits
- Earn travel rewards and redeem for flights, hotels, and holiday packages.
- Save more with dining, shopping, lifestyle, and cinema discounts.
- Get extra peace of mind with extended warranty and purchase protection.
- Manage finances better with balance transfer options and lower interest costs.
- Access global offers across 19,000 outlets in over 160 countries.
- Enjoy instant card access through digital wallet without waiting for delivery.
- Get up to 1 airmile for every AED 4 spent
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Advantages
- 50% off at VOX Cinemas
- Free for first year
Features
- Complimentary global airport lounge access with 12 visits via Visa Airport Companion App.
- Earn up to 3 CBD Reward Points for every AED 1 spent.
- Redeem CBD Rewards for Skywards Miles, cashback, or shopping vouchers.
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Features
- Complimentary global airport lounge access with 12 visits via Visa Airport Companion App.
- Earn up to 3 CBD Reward Points for every AED 1 spent.
- Redeem CBD Rewards for Skywards Miles, cashback, or shopping vouchers.
- Complimentary golf rounds every month at premium courses including The Track Meydan & Arabian Ranches (subject to AED 10,000 monthly spend).
- 50% off cinema tickets at VOX Cinemas (up to 6 per month).
- Exclusive travel discounts: 8% off at Booking.com and 12% off at Agoda.com.
- Discounts at top Emaar attractions including KidZania®, Dubai Aquarium & Underwater Zoo, Dubai Ice Rink, and VR Park Dubai.
- Complimentary valet parking at Dubai International Airport, Al Maktoum International Airport, and other UAE locations (3 times per month).
- Multi-trip travel insurance for cardholder and family, covering trips up to 90 days.
- Purchase protection against theft or damage for eligible transactions.
- Extended warranty – doubles manufacturer’s warranty up to 1 year.
- Credit Shield protection for your outstanding balance in unforeseen situations.
- Access to 2-for-1 lifestyle offers via Xperience App by Entertainer, powered by Visa.
- Balance Transfer facility with repayment flexibility from 3 to 36 months.
- 0% Easy Payment Plan, Balance Transfer & Quick Cash options.
- Exclusive welcome offer: 0% interest on Cash on Call (6- & 12-month plans) within 30 days of card issuance.
- The minimum age should be 21 years and the maximum age should be 63 years
- The Forex rate stands at 2.99% for this card.
- The applicable interest rate on this card is 3.85%
- You should have a minimum salary of AED 15,000.
- Balance transfer is applicable on this card.
- Get free for the first year on an annual fee and from the second year onwards AED 787.5 including VAT.
No annual fees on supplementary cards
Benefits
- Travel in comfort with global lounge access and airport valet services.
- Earn more rewards on daily spending and redeem them the way you prefer – flights, cashback, or shopping.
- Save big with cinema, hotel, dining, golf, and lifestyle discounts.
- Enjoy peace of mind with complimentary travel insurance for you and your family.
- Stay protected with purchase protection, extended warranty, and credit shield.
- Simplify payments with flexible instalment and balance transfer options.
- Unlock lifestyle perks with 2-for-1 dining, leisure, and attraction offers across the UAE.
- Maximise value with annual fee waiver on continued spends above AED 100,000.
- Start your card journey with an exclusive welcome cashback and 0% interest instalment plans.
- Earn up to 2.5 CBD reward points for every AED spent on Domestic Spends.
- Earn up to 3 CBD reward points for every AED spent on Domestic Spends.
- Earn rewards and redeem them for cashback on your card, airline tickets, Emirates Skywards Miles, electronics purchases, shopping vouchers, and contribute to charity. Additionally, use points to pay for your next shopping spree.
- Explore over 500 dining and lifestyle deals using the CBD Mobile app.
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Features
- This card is an Islamic card.
- This card caters to your unique finance needs.
- This card comes with modern day privileges and worldwide acceptance.
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Features
- This card is an Islamic card.
- This card caters to your unique finance needs.
- This card comes with modern day privileges and worldwide acceptance.
- This card is an interest free card.
- There is a 80% cash advance limit with this card.
- The Forex rate stands at 2.26% for this card.
- You get a repayment period of 20 days with this card.
- There is a requirement of minimum salary of AED 5000 with this card.
- There is no annual fee on this card.
Benefits
- This card comes with no profit rate or any monthly fee.
- You can facilities like travel desk and travel insurance.
- Avail purchase protection with this card.
- You get roadside assistance with this card as and when needed.
- You also get personal accident insurance with this card.
- This card is accepted at 27 million outlets worldwide.
- You can redeem 1% of your utility bills with this card.
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Advantages
- Discounts on movie tickets
- Free life insurance
- Buy 1-Get 1 free offers
Features
- This card has a built in Nol Chip to make payments at RTA Parking Meters Metro.
- You can avail The NBD Installment plan with this card.
- Get Instant cash and flexible payment options with this card.
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Features
- This card has a built in Nol Chip to make payments at RTA Parking Meters Metro.
- You can avail The NBD Installment plan with this card.
- Get Instant cash and flexible payment options with this card.
- Easy payment of utility bills with this card.
- Get 24 hour assistance and SMS alerts with this card.
- Get Instant purchase protection on your purchases and extended warranty.
- Special privileges and offers with this card.
- The foreign currency rate applicable on overseas transactions is {FX rate} and is a mark up over the Visa and MasterCard fee
- Up to 55 days interest free. Min repayment of 5% or AED 100 whichever is higher.
- You require a minimum salary of AED 12,000 per month to be eligible for this card
- BT available at 0.8% with a choice of 3-36 months
- The regular annual fee of AED 208.95 is currently waived under an exclusive offer, giving you No Annual Fees.
Benefits
- This card provides the convenience to do Nol and Salik top up.
- Enjoy complimentary movie tickets with the VOX Cinemas buy-one-get-one offer, making your movie outings more affordable..
- Avail free Ferry rides at RTA Dubai Ferry.
- Avail complimentary life insurance of AED 75000.
- Get Bon Appetite Disount of 30% at over 2000 restaurants.
- Get 5% discount on Air tickets and 10 % discount on air tickets.
- Emergency cash and card replacement.
- International medical and travel assistance.
- Using this card become eligible for RTA monthly pass
- Access Gold Class on the Dubai Metro and pay your fare using your card
- Enjoy cashless payments using your smart phone or smart watch
- Get free life insurance facility
- Get lifestyle protector insurance which is available only for primary card holders.
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Emirates NBD Credit Card offers the New Credit Shield Pro feature includes
- 0.99% on monthly fee on outstanding balance- Each card holder can get decease cover up to AED 300,000- In case of hospitalization get AED 100 pay out per day.T&Cs apply
- Plus Points can be redeemed for cashback
- By spending AED 200 you can earn 1 plus point.
- Earn 5 Plus Points for every AED 200 spend on weekends
- Earn 4 plus points for every AED 200 spend on RTA
- Earn 1 plus point for every AED 200 spend on weekdays
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Features
- Emirates NBD 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 cash option up to 50%.
- Protect plus insurance.
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Features
- Emirates NBD 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 cash option up to 50%.
- Protect plus insurance.
- The Emirates NBD Installment plan.
- SMS alerts.
- Emirates NBD DoubleSecure.
- Free 24/7 roadside assistance.
- The Forex rate stands at 1.99%
- Your Emirates NBD Credit Card gives you a maximum of 55 interest-free days, provided you continue to pay your outstanding balance in full, by the due date.
- You need a minimum salary of AED 5000 to avail this card.
- You can transfer balance at the rate of 0.8%, with a choice of 3 to 36 months.
Benefits
- Earn RED Points on all purchases with enhanced rewards: 2X on international spends, 5X on dining, and 10X at sports goods stores.
- 10% Discount on total bill at Red Café, Old Trafford.
- 20% Discount on Manchester United Stadium and Museum tour.
- Receive your memorable welcome gift a Manchester United Home Jersey, by simply spending AED 2000, within the first 30 days.
- Receive an exclusive Manchester United 'RED Box' filled with official Manchester United merchandise, by simply spending AED 6000 in the first 6 months.
- Enjoy double rewards on all your international purchases.
-
Emirates NBD Credit Card offers the New Credit Shield Pro feature includes
-0.99% on monthly fee on outstanding balance-Each card holder can get decease cover up to AED 300,000-In case of hospitalization get AED 100 pay out per day. T&Cs apply-Can get job loss cover up to AED 60,000 up to 1 year or re-employment
- You can earn 1 red point for every AED spent on retail purchases.
- You can earn double rewards on all your international purchases.
- You can earn 5 times the rewards on all dining.
- You can earn 10 times rewards on sports apparels, accessories from leading sports good stores in UAE. Convert Red Points into shopping rewards.
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Advantages
- 1 air mile on 1 AED spent
- Free valet parking
- Discounts on movie tickets
Features
- Earn 1 Air Mile for every AED 1 spent on your credit card worldwide.
- Get purchase protection for 90 days, covering theft or damage up to USD 5,000 per year.
- Enjoy up to 56 interest-free days when the balance is cleared in full each month.
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Features
- Earn 1 Air Mile for every AED 1 spent on your credit card worldwide.
- Get purchase protection for 90 days, covering theft or damage up to USD 5,000 per year.
- Enjoy up to 56 interest-free days when the balance is cleared in full each month.
- Complimentary 12-month Careem Plus subscription when you use your card on the Careem app.
- Avail up to 50% off dining bills at 4,000+ restaurants across the UAE with Zomato Gold membership.
- Get discounts at 400+ restaurants across the UAE.
- Access global offers on dining, travel, and shopping with the Home & Away programme.
- Buy 1 Get 1 Free movie tickets every month with minimum AED 6,000 spend and up to 25% off cinema dining.
- Enjoy a free 2-year MyUS membership and save up to 30% on international shipping.
- Get VIP lounge access and 15% off shopping at Bicester Village destinations worldwide.
- Save on travel bookings with discounts on flights and hotels throughout the year.
- Earn up to 7% cashback as wallet credits on Booking.com stays (capped at EUR 200).
- Enjoy 15% off stays at 5,500+ IHG Hotels worldwide with late checkout.
- Access 4 complimentary airport lounges annually worldwide with Mastercard Travel Pass.
- Save 20% and enjoy a complimentary upgrade on Avis car rentals globally.
- Get up to 10% off Budget car and truck rentals in 3,350+ locations worldwide.
- Add your card instantly to your digital wallet via the HSBC UAE app for contactless payments.
- The Forex rate stands at 2%
- You get an interest free period of up to 56 days.
- You require a minimum salary of AED 15000
- 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 fees on this card.
Note: Beginning from 15th November 2022, the Annual Percentage Rate on outstanding purchases and cash withdrawals on all HSBC credit cards will increase to 44.28%.
Benefits
- Earn Air Miles on every spend and redeem them for flights, hotels, and more.
- Shop stress-free with purchase protection for accidental damage or theft.
- Save on dining, shopping, entertainment, and travel both locally and internationally.
- Enhance your lifestyle with Careem Plus, Zomato Gold, and exclusive global offers.
- Travel in comfort with complimentary airport lounge access and hotel discounts.
- Enjoy entertainment perks like cinema offers and shopping privileges worldwide.
- Benefit from added convenience with digital wallet integration for instant use.
- Access global car rental discounts and upgrades for hassle-free travel.
- You can earn 1 airmile for 1 AED.
- You can redeem these airmiles for travel accommodation, airline tickets, electronics, entertainment, shopping vouchers or donations.
- You can redeem your airmiles for any flights to any destinations
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Benefits
- No Annual Membership Fee (AMF) subject to spend*
- Redeem points for cash back or travel-related spend at a click of a button from Citi Mobile® App
- Airport Lounges: access to 1,200+ lounges worldwide for primary & supplementary cardholders via MasterCard Travel Pass app (T&Cs apply)
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Benefits
- No Annual Membership Fee (AMF) subject to spend*
- Redeem points for cash back or travel-related spend at a click of a button from Citi Mobile® App
- Airport Lounges: access to 1,200+ lounges worldwide for primary & supplementary cardholders via MasterCard Travel Pass app (T&Cs apply)
- Airport Transfers: 1 rides per year (up to AED 84 each) using code "MAUAE2“ on the Careem app
- Movies: 30% off 2 movie tickets per month at VOX cinemas
- Talabat: 20% discount (up to AED 14) on grocery and food orders once a month on the Talabat app. Use code “MASTERCARD” at checkout
- Booking.com: Up to 7% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
- Purchase Protection Cover (up to $5,000 p.a.) for damaged or stolen items within 90 days of purchase
- Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions
* No AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies
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Advantages
- 10% cashback on dining
- EI smart miles as signup bonus
- Free valet parking
Features
- Sign up bonus is provided
- High travel benefits are provided
- No annual fees on the credit card
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Features
- Sign up bonus is provided
- High travel benefits are provided
- No annual fees on the credit card
Benefits
- 10000 EI SmartMiles are provided as signing up offer
- Get 2.5 - 3.75 SmartMiles on every purchase made in and out UAE
- Can redeem SmartMiles for travel and hotel bookings
- Get twice valet parking free in a month
- Can avail travel insurance for free
- Up to 2 “Buy 1 Get 1” complimentary movie tickets each month, any day of the week.
- Get a 15% discount on Emaar Entertainment Attractions.
- Get complimentary access to Dubai Ladies Club.
- Get complimentary airport lounge access to around 1000 airports in the world.
- Exchange your EI Smart Miles from our partners’ loyalty programmes with Etihad Guest, Emirates Skywards, Etisalat Smiles, Upoints By Emaar, Avios with Qatar Airways Privilege Club and InterMiles.
- 10,000 EI SmartMiles = 1,500 Etihad Guest Miles
- 20,000 EI SmartMiles = 4,000 InterMiles .
- 10,000 EI SmartMiles = 1,000 Emirates Skywards Miles
- 10,000 EI SmartMiles = 1,750 Avios
- 6,500 EI SmartMiles = 1,000 Upoints By Emaar
- 7,500 EI SmartMiles = 5,000 Etisalat Smiles
- Skywards Miles are earned on every usage of the card
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What is No Annual fees credit card?
No Annual fees credit card or zero annual fee credit cards are those cards where there is no fee payment for usage of card. No Annual fee credit cards are in very much demand these days. These credit cards have 0 annual fee. Since credit cards have become the most important instrument of payment you can go out cashless and make the payments.
In the UAE, there are best credit cards with no annual fees and they provide great rewards. Some cards waive annual fees when the card user spends a certain amount of money. Credit cards are loaded with plenty of rewards, cashback offers, discounts and much more.
People do not use credit cards because they are afraid of fees associated with the card. There are no fees on credit cards available in the market. Generally annual fees are charged for card maintenance, service and support.
Credit cards with no annual fee and cash back offers are provided by the credit card companies. These credit cards do not charge any annual fee and are filled with lots of benefits. Some credit card companies provide huge discounts and benefits and charge a small amount of fees. A small amount of fees should not be a burden when you are receiving multiple benefits.
FAQs
1. What is Cashback on a credit card?
A.Cashback on credit cards means you will earn money when you spend using the credit card. The cashback will be added to your account.
2. Why are annual fees charged?
A.Credit cards provide a wide range of benefits from discounts, offers, to free access to airport lounges and other services. Since they provide so many benefits they charge a certain amount of fee as annual fees
3. What is a zero annual fee credit card?
A.No Annual fees credit card or zero annual fee credit cards are those cards where there is no fee payment for usage of card.
4. Will annual fees be waived on credit cards?
A.There are certain credit cards where the company offers a waiver on annual fee. Once the cardholder spends a certain amount of money annual fee will be waived
5. Are discounts available on no annual fee credit cards?
A.Yes, no annual fee credit card companies offer a wide variety of offers, discounts, coupons, access to lounges, golf course and much more.
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