Credit cards in UAE

Credit cards have become a lifestyle necessity for people in UAE. With an increase in usage of credit cards and healthy competition, banks have started offering bundles of benefits with each card for specific purposes.  

Check which card gives you more cashback offers

Listed below are few handpicked credit cards in UAE:

Standard Chartered Platinum Card standard chartered credit 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 up to 10% in grocery stores
  • Cashback on utility payments, up to 10%
  • Cashback on school fees up to 10%
  • Up to 50 % discounts on movies, dining, lifestyle, and entertainment

Fees and charges for the Platinum card

  • Interest rate 3.33%
  • Annual fee AED 525
  • Minimum salary AED 5000

 Check Your Eligibility for Standard Chartered Platinum Card

Majid Al Futtaim (Najm) Platinum Cashback Card najm 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

  • Interest rate 3.25%
  • Minimum salary AED 7000
  • Annual fee AED 0 

 Check Your Eligibility for Najm Platinum Cashback Card

Find out the Best Credit Cards for Your Salary Range

ADIB Etihad Guest Visa Platinum Card adib 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
  • Interest rate 2.99%

 Check Your Eligibility for ADIB Etihad Guest Visa Platinum Card

NBAD GEMS MasterCard Credit Card 

nbad titanium card

NBAD Gems Credit card is the best credit card if your child is a student in any of the GEMS school in UAE. This card provides various other travel and entertainment benefits.

The benefits on NBAD GEMS Credit Card are: 

  • Offers up to a maximum of 4.25% discount on annual school fees paid in advance at any of the GEMS schools.
  • Latest movie offers of AED10 on weekdays and AED 20 on weekends at Cine Royal, Oscar cinemas and Reel cinemas
  • Airport VIP lounge access
  • Earn redeemable 1.5 NBAD stars for every 1 AED spent.

Fees and charges of GEMS credit card

  • Annual fee AED 0
  • Interest rate 3.25%
  • Minimum salary AED 5000
  • International transaction charges 2.95% 

 Check Your Eligibility for NBAD GEMS Mastercard Credit Card

Emirates NBD Titanium Credit Card

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

  • Interest rate 3.25%
  • Minimum salary AED 5000
  • Annual fee AED 400
  • Foreign exchange charges 1.84% 

 Check Your Eligibility for Emirates NBD Titanium Credit Card

Suggest Me the Best Credit Card for My Salary Range

RAKBANK Titanium Credit Card rakbank titanium card

RAKBANK titanium credit card provides a 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
  • 2% Cashback on your Domestic & International Retail Purchase Transactions, Internet Transactions, and International Cash Advances
  • 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
  • Interest rate 3.19%
  • Foreign exchange fee 1.75%

 Check Your Eligibility for RAKBANK Titanium Credit Card

Dubai First Platinum Life Card 

dubai first platinum card

Dubai first Platinum life card boasts about the privileges and benefits it offers, that no other card in its category can deliver. It provides offers on movie tickets, dining, leisure, etc.

Benefits on Dubai First Platinum Life Card are

  • Buy-1-Get-1-Free movie tickets
  • Complimentary airport lounge access.
  • Valet parking service at selected locations in Dubai and Abu Dhabi
  • Special offers and discounts on lifestyle, entertainment, shopping, dining, jewelry, wellness and more
  • Insurance protection

Fees and charges for the Platinum life card

  • Flexible interest rate 3.19%
  • Annual fee is AED 0 for the first year, renewal AED 550
  • Foreign exchange rate of 3.5%

 Check Your Eligibility for Dubai First Platinum Life Card

HSBC Platinum Credit Card 

hsbc credit card

HSBC Platinum 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 Credit Card are

  • 50% of the available credit limit as cash advance
  • 0% Balance transfer for the first 6 months
  • Valet parking of 4 free visits/month at locations around Dubai
  • Discounted tickets at VOX Cinemas in the UAE
  • Earn 1 Air Mile for every AED 1 spent on retail

Fees and charges for the Platinum credit card

  • Annual fee AED 600
  • Minimum salary AED 15000
  • Interest rate 2.99%
  • Foreign exchange 2.80%

 Check Your Eligibility for HSBC Platinum Credit Card

Union National Bank Titanium Credit Card 

unb credit card

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
  • Interest rate 2.69%

 Check Your Eligibility for Union National Bank Titanium Credit Card

NBAD Platinum Mastercard Credit card 

nbad platinum card

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

Some of the features of NBAD Platinum Mastercard are:

  • Earn up to 1.75 NBAD Stars for every AED 1 spent.
  • Lifestyle benefits including discounts on movies & access to fitness clubs.
  • Travel benefits including Meet & Greet, airport transportation & lounge access
  • Complimentary travel insurance up to AED 5000000 for purchasing tickets using the card.

Fees and charges for the Platinum credit card

  • Annual fee AED 0
  • Interest rate 3.25%
  • Minimum salary 10000
  • Foreign exchange rate 2.75% 

 Check Your Eligibility for NBAD Platinum Mastercard Credit card

A GREAT PLACE TO START: Find the Best Credit Cards for your Salary and Usage

This ends the list, there are a number of credit cards in the market 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

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 cards 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 comparatively. 

Get Your Credit Card Now 

Disclaimer: The credit card images used are for illustrative purpose only.