{"id":468,"date":"2017-05-31T09:00:22","date_gmt":"2017-05-31T09:00:22","guid":{"rendered":"http:\/\/139.59.38.172:8081\/?p=468"},"modified":"2020-05-30T09:50:07","modified_gmt":"2020-05-30T09:50:07","slug":"your-credit-card-guide-in-uae","status":"publish","type":"post","link":"https:\/\/www.mymoneysouq.com\/financial-blog\/your-credit-card-guide-in-uae\/","title":{"rendered":"Your Credit card guide in UAE"},"content":{"rendered":"\n<p>With credits and facilities, come charges and responsibilities. Credit cards are not for the spendthrift and weak willed ones. You need to be wiser and thrifty when it comes to owning a credit card. Through this article we will try to form a manual, addressing some of the basic concerns that require contemplation before acquiring or using a <a href=\"https:\/\/www.mymoneysouq.com\/cards\/compare-credit-cards-uae\" target=\"_blank\" rel=\"noopener noreferrer\">credit card<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is a credit card?<\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">It refers to a card which lets you spend money on a credit basis but only up to a pre-set limit after which you will be charged with an interest on the percentage of money that you have borrowed from the provider. <\/span><\/p>\n\n\n\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"youtube-embed\" data-video_id=\"JcMM96dsAQY\"><iframe loading=\"lazy\" title=\"How to use a credit card like a pro\" width=\"696\" height=\"392\" src=\"https:\/\/www.youtube.com\/embed\/JcMM96dsAQY?feature=oembed&#038;enablejsapi=1&#038;enablejsapi=1\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>It&#8217;s purposes<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><span style=\"font-weight: 400;\">Shopping<\/span><\/li><li><span style=\"font-weight: 400;\">Daily expenditure<\/span><\/li><li><span style=\"font-weight: 400;\">Repayment of debt<\/span><\/li><li><span style=\"font-weight: 400;\">Payment of bills<\/span><\/li><li><span style=\"font-weight: 400;\">School fees<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Traveling<\/span><\/li><\/ul>\n\n\n\n<p><strong><i>Things that you need to consider before applying or while using a credit card<\/i><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><i><span style=\"font-weight: 400;\"><strong>Interest rates:<\/strong> They vary from providers to providers. One should be aware of it to avoid getting high interest charged. Interest rates depend on banks, credit history, employment status.<\/span><\/i><\/li><li><span style=\"font-weight: 400;\"><strong>Annual fee:<\/strong> They are charged annually to your credit card. Be careful in reading the terms and conditions. Make sure you read all the terms and conditions before signing on anything.<\/span><\/li><li><em><strong>Exchange rate:<\/strong><\/em> This you need to be careful about if you\u2019re traveling abroad. Make sure you have a good international spendings plan if you travel abroad a lot.<\/li><li><span style=\"font-weight: 400;\"><em><strong>Minimum salary:<\/strong><\/em> most of the credit cards have a minimum salary for you to avail them, make sure you are aware of it.<\/span><\/li><li><span style=\"font-weight: 400;\"><strong><em>Benefits:<\/em><\/strong>\u00a0banks usually\u00a0provide various <a rel=\"noopener noreferrer\" href=\"https:\/\/www.mymoneysouq.com\/credit-card-offers-in-dubai-uae\" target=\"_blank\">credit card offers<\/a> for different purposes. Make sure you are aware of the offers that are provided and choose a card that benefits you likewise.<\/span><\/li><li><span style=\"font-weight: 400;\"><strong><em>Other charges:<\/em><\/strong> read the fine print thoroughly and make sure you\u2019re aware of all the other fees and charges to avoid surprises.<\/span><\/li><li><span style=\"font-weight: 400;\"><em><strong>Credit limit:<\/strong><\/em> this is the limit your bank agrees to provide you with or you qualify for. Know your limit.<\/span><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Picking a card<\/strong><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><i><figure><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-476\" src=\"https:\/\/res.cloudinary.com\/pricejugaad\/image\/upload\/v1526301207\/credit-card-1104960_khopky.jpg\" alt=\"\" width=\"2560\" height=\"1920\"><\/figure><\/i><\/strong><\/h3>\n\n\n\n<p><em><strong>A number of factors contribute while making this decision, such as<\/strong><\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><span style=\"font-weight: 400;\">If you\u2019re the type who pays off the balance in full, then you shouldn\u2019t be bothered about interest rates. You should be looking for <a href=\"https:\/\/www.mymoneysouq.com\/cards\/compare-credit-cards-uae\" target=\"_blank\" rel=\"noopener noreferrer\">credit cards in UAE<\/a> that reward spending instead.<\/span><\/li><li><span style=\"font-weight: 400;\">If you are looking to purchase a refrigerator or a washing machine, but cannot afford to pay the whole amount in a go. In that case, 0% on purchases will be a better deal for you as it would spread the purchase.<\/span><\/li><li><span style=\"font-weight: 400;\">If you are looking for a card to pay off your existing debts, then make sure you acquire a 0% balance transfer <a href=\"https:\/\/www.mymoneysouq.com\/cards\/majid-al-futtaim-finance-najm-credit-card-in-uae\" target=\"_blank\" rel=\"noopener noreferrer\">card<\/a>.<\/span><\/li><li><span style=\"font-weight: 400;\">If you travel more frequently then you should be looking for cards which charge low exchange fees abroad and higher rewards and air miles.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cashback cards are good if you use your credit card for daily use or for paying bills. But they are mostly not applicable in all scenarios.<\/span><\/li><\/ul>\n\n\n\n<p><strong><i>Further evaluation and best cards available in the market for the same<\/i><\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"font-weight: 400;\"><strong>For everyday spending<\/strong><\/span><\/h4>\n\n\n\n<p><span style=\"font-weight: 400;\">We need to choose a card which provides offers such as cash back, buy one get one free and at a minimal or no annual. Some of the cards available in the market with such offers are:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"font-weight: 400;\"><em><strong><a href=\"https:\/\/www.mymoneysouq.com\/credit-card\/majid-al-futtaim-finance-najm-cashback-blue-in-uae\" target=\"blanck\">Majid Al Futtaim (Najm) Blue Visa Card<\/a><\/strong><\/em><span style=\"font-weight: 400;\"><em><strong>:<\/strong><\/em> Minimum salary AED5000, it offers 2% cashback on all purchases from the hypermarket Carrefour, and 1% cashback on purchases from all other locations. including buy-one-get-one-free offers on movie tickets at any VOX cinema in the UAE. The card has no annual fee and can be used overseas; Foreign exchange fees are applicable.<\/span><\/li><li style=\"font-weight: 400;\"><strong><i><a href=\"https:\/\/www.mymoneysouq.com\/credit-card\/adib-cashback-visa-platinum-card-in-uae\" target=\"_blank\" rel=\"noopener noreferrer\">ADIB Cashback Visa Platinum Card<\/a><\/i><\/strong><span style=\"font-weight: 400;\"><strong>:<\/strong> minimum salary AED5000, it offers 1% flat Cashback: anywhere, and also free roadside assistance. (<a href=\"https:\/\/www.mymoneysouq.com\/credit-card\/adib-cashback-visa-platinum-card-in-uae\" target=\"_blank\" rel=\"noopener noreferrer\">view more details<\/a>)<\/span><\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"font-weight: 400;\"><strong>For<\/strong>&nbsp;T<\/span><b>ravelers<\/b><\/h4>\n\n\n\n<p><span style=\"font-weight: 400;\"> we need to choose cards which provide air mile or discount\/cashback on purchase of airline tickets, lounge access, valet parking. Some cards which provide these services are:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"font-weight: 400;\"><strong><i><a href=\"https:\/\/www.mymoneysouq.com\/credit-card\/adib-etihad-guest-visa-platinum-card-in-uae\" target=\"_blank\" rel=\"noopener noreferrer\">ADIB Etihad Guest Visa Platinum Card<\/a><\/i><\/strong><span style=\"font-weight: 400;\"><strong>:<\/strong> &nbsp;minimum salary required for this card is AED5000 and at an annual fee of AED 2000, it offers card holders 2.5 Etihad miles on every 4 AED spent on the card. Privileges include airport lounge access, 4 free valet complimentary parking visits per month at most Dubai and Abu Dhabi malls, and roadside assistance.&nbsp;<\/span><\/li><li style=\"font-weight: 400;\"><strong><i><a href=\"https:\/\/www.mymoneysouq.com\/cards\/rakbank-credit-card-in-uae\" target=\"_blank\" rel=\"noopener noreferrer\">RAKBANK Islamic Gold Credit Card<\/a><\/i><\/strong><span style=\"font-weight: 400;\"><strong>:<\/strong> Minimum salary is AED 5000, with a foreign exchange rate of 1.5%, Travel accident &amp; Purchase protection Takaful, you can also redeem RAK rewards for air tickets, booking hotels, online Shopping and dining vouchers or can be redeemed for air tickets on 300+ airlines.<\/span><\/li><\/ul>\n\n\n\n<p>Apart from these, there are some more best credit cards like&nbsp;<a href=\"https:\/\/www.mymoneysouq.com\/cards\/majid-al-futtaim-finance-najm-credit-card-in-uae\" target=\"_blank\" rel=\"noopener noreferrer\">Najm Credit Cards<\/a>, etc. for travel purpose.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"font-weight: 400;\"><strong>For education<\/strong><\/span><\/h4>\n\n\n\n<p><span style=\"font-weight: 400;\">It is essential that buyers look for a discount&nbsp;is offered by various cards on school fees or any cashback. Points or rewards are also sometimes offered which can be used in multiple manners. Few such cards in the market are:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><em><strong><a href=\"https:\/\/www.mymoneysouq.com\/credit-card\/fab-gems-titanium-mastercard-credit-card-in-uae\" target=\"_blank\" rel=\"noopener noreferrer\">FAB Gems Titanium Credit Card<\/a>:<\/strong><\/em>&nbsp;FAB has a tie-up with GEMS education group, offers up to a maximum of 7% discount on annual school fees paid in advance at any of the GEMS schools in the UAE, it also offers 1.75 stars for every 1 AED spent. These stars can be redeemed for a range of travel and lifestyle treats. There are no annual fees but does charge a late fee of AED 275 on delay in payments.<\/span><\/li><\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">We should always remember that the right credit card can provide assistance and the help that we require but a wrong one can bury us in debts, hence we recommend you to do a thorough check as well as comparisons before choosing one.<\/span><\/p>\n\n\n\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-background has-vivid-cyan-blue-background-color\" href=\"https:\/\/www.mymoneysouq.com\/cards\/compare-credit-cards-uae\">I want to compare different credit cards<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>With credits and facilities, come charges and responsibilities. Credit cards are not for the spendthrift and weak willed ones. You need to be wiser and thrifty when it comes to owning a credit card. Through this article we will try to form a manual, addressing some of the basic concerns that require contemplation before acquiring [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":477,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93,8],"tags":[15,14,12,17,16,13],"class_list":{"0":"post-468","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-cards","8":"category-personal-finance","9":"tag-adib-cashback-card","10":"tag-credit-card-guide","11":"tag-credit-cards","12":"tag-nbad-credit-card","13":"tag-rakbank-credit-card","14":"tag-uae"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Your Credit card guide in UAE - MyMoneySouq Financial Blog<\/title>\n<meta name=\"description\" content=\"You need to be wiser and thrifty when it comes to having a credit card. 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