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.
Compare Top Credit Cards – Annual Fees & Key Benefits
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
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.
It is one of the most benefiting credit card available for everyday spending purposes. This provides high discounts on travel and leisure. This card is provided on no annual fees and on low fees & charges.
The Najm Platinum Cashback Card comes with perks such as:
Cashback 1.5%-3% on Carrefour every day and 0.5% on your daily expenditure.
Travel discounts up to 50%
Up to 30% off on dining, shopping, travel, and entertainment at selected outlets in UAE
Buy-one-get-one-free offers on movie tickets at any VOX cinema in the UAE.
Fees and charges levied by the bank on Najm Platinum Cashback card
Minimum salary AED 7000
Annual fee AED 0
Good for: Shoppers looking for 0 annual fees card with a high cashback. Can save up to AED 200 every month on using the 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 SmartSaver Card comes with perks such as:
Up to 6% cashback on online purchases
Up to 8% cashback on groceries, fashion, jewelry, etc.
0.5% cashback on every dirham spent in UAE
1% cashback on every dirham spent outside UAE
Free travel insurance
Fees and charges on Mashreq SmartSaver Card
No Annual Fee
Minimum salary AED 5000
Good for: Shoppers who use a credit card on every purchase
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
30% 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.
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.
FAB Platinum Mastercard 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 1.75 FAB Stars for every AED 1 spent.
Lifestyle benefits including discounts on movies & access to fitness clubs.
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 700
Minimum salary AED 5000
Good for: Frequent flyers. Can save on your companion’s travel ticket.
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
50% off on movie tickets at VOX Cinemas 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.
UNB Titanium credit card is one of the most exclusive premium card offered by UNB. It provides high travel and movie benefits on low charges. This provides UNB miles on every AED spent using the card.
The exclusive benefits on UNB Titanium credit card are
Welcome bonus of up to AED 500 is provided as UNBmiles
1.5 UNB miles for every AED 1 you spend (local) and 3 UNBmiles for every AED 1 spent (international).
Airport lounge access in UAE, Egypt, Jordan, Saudi Arabia and Kuwait
0% interest for 3 months on travel purchases
Free emergency auto assistance
50% movie cashback as UNB miles
Fees and charges for the Titanium credit card
Annual fee AED 0
Minimum salary AED 8000
Good for: Frequent credit card users and travelers.
This ends the list, there are a number of best credit card in UAE offering various benefits. It is advisable that you read the fine print and go through the terms and conditions regarding every single offer before selecting a particular card.
Top 5 Factors to consider before getting a credit card
There are certain things you must consider before getting a credit card in UAE
Usage pattern
Know your spending habits and get a card which is more beneficial.
Fees and charges
Check the fees and charges associated with a credit card like annual fees, late payment charges, cash withdrawal charges, charges on exceeding the credit limit and few more.
Cashback rewards
There are several credit cards in Dubai providing cashback on using the card, check which card gives you more cashback offers.
Spending rewards and points
Credit cards provide exclusive discounts and points for using their cards which can be redeemed for various benefits like airport lounge access, golf club access and much more.
Interest rates
Go for the cards that are provided on low-interest rates. Compare credit cards in UAE and pick the best one.
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.
Q. 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
Q. 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.
Q. Is the annual fee Zero on ADIB Value+ card lifelong?
A. There is NO annual fee charged on ADIB Value+ Card for a lifetime.
Q. Which of these travel cards provide travel insurance?
A. ADCB Traveller Card offers free travel insurance.
Q. 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.
Q. What is the minimum salary required to get a credit card in UAE?
A. The minimum salary required to get a credit card in UAE is AED 5000.
Q. Are there charges on cash withdrawal from the credit card?
A. Yes. there are charges levied on cash withdrawal from the credit card.
Q. 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.
Q. 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.
Q. Is it mandatory to get a credit shield?
A. It caries with the card providers. On some cards, a credit shield is considered as an optional facility while on some it is mandatory to get a credit shield.
Q. 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.
Q. Do we get supplementary cards on these cards?
A. Yes. You can get supplementary cards on these cards.
Disclaimer: The credit card images used are for illustrative purpose only.
Hemanta Bijoy Kaushik is a personal finance writer. Discovering his love for writing, he has written a number of blogs on personal finances and other genres on various digital media platforms. He has completed his MBA from IMT and currently working at HDFC bank as Personal Banker. When he's not writing, you can find him exploring different cuisines and binge-watching TV series. Hemanta hopes to write a novel soon. You can check out his work on www.instagram.com/hemantakaushik
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