free for life credit cards

One of the essential benefits of a credit card is the annual fee waiver. Though some banks claim to provide the cards with 0 annual fees, there would be some conditions applied like, the No annual fee offer is applicable only for a year, or there would be a minimum spend criterion to avail the no annual fee benefit. But there are some banks in the UAE that offer free for life credit cards i.e. life time free Credit Cards. 

Name of the CardCard Type
Simply Life Cashback Credit CardCashback
ADIB Value+ Card 
RAK Bank Red MastercardShopping
HSBC Platinum Select Credit CardTravel
Mashreq Smart Saver CardCashback
ADCB TouchPoints Titanium Credit CardDining & Movies
Emirates Islamic Emarati Credit CardTravel

List of life time free Credit Cards: 

Simply Life Cashback Credit Card

Simply Life offers a Cashback Credit Card that charges no annual fee forever. 

Benefits on the card: 

  • No annual fees 
  • 1% cashback on all the purchases with the card
  • Get 2 movie tickets for free 
  • Get free access to Marhaba airport lounge and Diamond airport lounge 

Check the Eligibility of SimplyLife Cashback Card

ADIB Value+ Card 

ADIB offers one of the best free for life credit cards with high rewards. 

Benefits on the card: 

  • Zero annual fees
  • Earn up to 2 reward points on every AED spent 
  • Can avail high benefits on flight ticket bookings, shopping, etc
  • Free access to airport lounges 

Check the Eligibility of ADIB Value+ Card

RAKBank Red Mastercard 

RAKBank Red Mastercard credit card comes with high shopping discounts. 

Benefits on the card: 

  • Zero annual fees 
  • Can get up to 1.5% discount on domestic and international purchases made 
  • Get up to 30% off on dining at selected restaurants 
  • Can convert regular payments to an easy payment plan of 0% interest  

Check the Eligibility of RAKBank Red Mastercard Credit Card

HSBC Platinum Select Credit Card 

HSBC provides a platinum select card with high travel and dining benefits along with zero charges on annual fees. 

Benefits on the card: 

  • No annual fees are charged forever 
  • Can get 1 air mile per 4 AED spent using the card 
  • Can get discounts on dining 
  • Can avail Buy 1 – Get 1 free offer on movie tickets 
  • Can get up to 12% off on hotel and vacation bookings made on Agoda

Check the Eligibility of HSBC Platinum Select Credit Card

Mashreq Smart Saver Card

Mashreq Smart Saver Card comes with high cashback benefits and there is no annual fee charged lifelong. 

Benefits on the card: 

  • No annual fees are charged 
  • Can get up to 1% cashback on local and international purchases 
  • Can get up to 8% cashback on purchases made at selected partners 
  • Free travel insurance is provided 

Check the Eligibility of Mashreq Smart Saver Card

ADCB TouchPoints Titanium Credit Card

ADCB offers a wide range of benefits and rewards and there is no annual fee charged as well. 

Benefits on the card: 

  • Zero annual fees are charged 
  • Can earn 5000 touchpoints on spending AED 5000 using the card per month 
  • Can earn 0.5 touchpoints per 1 AED spent 
  • Can get 2 free movie tickets on movie tickets bought using the titanium card
  • Can get up to 25% dining discounts 
  • Free access to airport lounges 

Check the Eligibility of ADCB Touchpoints Titanium Card

Emirates Islamic Emarati Credit Card 

Emirates Islamic Emarati Credit Card comes with a high lifestyle, dining, travel benefits and there are no annual fees charged forever. 

Benefits on the card: 

  • Zero annual fees forever 
  • Provides 3.75 EI Smartmiles on every 1 AED spent 
  • Free access to airport lounges worldwide 
  • Free valet parking services  

Check the Eligibility of Emirates Islamic Emarati Credit Card

How to make Best Use of the No Annual Fees Credit Card?

Using a life time free credit card will help you in saving money on hefty annual fees.

Apart from saving money on annual fees, you can make the best use of the card if it offers other privileges like cashback, reward points, travel rewards and much more.

By understanding your purchase activities you can get a card that can help you take advantage of the card.

Apart from these, there are many other credit card providers in the UAE that offer free for life credit cards. Finding a life time free credit card is not so complicated. The applicant must be sure of the benefits they want to get on a credit card and finally, they must not overlook the terms and conditions involved with the card because that is where there would be different clauses attached with respect to the usage and benefits of the card.

Frequently Asked Questions

Q. Do I get supplementary cards on the primary card?

A. Yes. You can get supplementary cards on the primary credit card.

Q. What is the annual fees charged on the supplementary card?

A. Even the supplementary cards are offered for FREE with no charges on annual fees.

Q. What is the eligibility for the lifetime free credit card?

A. The eligibility for the No annual fees ever card is, the applicant must be a UAE resident of at least 21 years of age. The minimum salary requirement varies with the card provider.

Q. What are the documents required for the free for life credit card?

A. The basic documents required for a Free for life credit card is,

  • Emirates ID
  • Passport
  • Salary Certificate
  • 3-6 months bank statements
  • Resident Visa(For expats)

Apart from these banks may request for additional documents based on the applicant’s profile.

Meet the author
Website | + posts

Nikitha is a Senior Analyst at She has been writing about personal finance, credit cards, mortgage, and other personal finance products in the UAE. Her work on Mortgage loans has been featured by the GulfNews and other popular Financial Blogs in the UAE.

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