Credit Cards in UAE
Your details are safe and secured
Credit Bureau Consent, Welcome Offer & General Terms & Conditions
I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
Thank you for providing your details.Compare Top Credit Cards in UAE 2024 - Annual Fees & Key Benefits
| Card Name | Minimum Salary (in AED) | Annual Fees (in AED) | Key Benefits |
|---|---|---|---|
| Citi Cashback Credit Card | 8000 | Free for First Year | 1%-3% Cashback. Cashback on all spends |
| Standard Chartered Platinum Card | 5000 | 525 | Upto 2% Cashback |
| CBD Super Saver Credit Card | 5000 | 420 (first year free) | Upto 10% Cashback |
| Standard Chartered Manhattan Rewards+ Card | 10,000 | 0 | 1 360° Reward Point per 1 USD spent |
| ADIB Value+ Card | 5000 | 0 | Upto 2 Reward Points per 1 AED |
| Emirates NBD Titanium Credit Card | 5000 | 400 | 1 Plus Point per 100 AED |
| Mashreq Platinum Elite Credit Card | 7000 | 650 | 50% Off on Movie Tickets Up to AED 2000 Welcome bonus |
| ADIB Etihad Guest Visa Platinum Card | 5000 | 2000 | Free Companion Air Ticket |
| HSBC Platinum Select Credit Card | 10,000 | 0 | 1 Air Mile per 4 AED |
| FAB Platinum Credit Card | 8000 | 0 | Buy 1 Get 1 Free Movie Offers |
Compare and choose the best credit card in the UAE based on your needs and preferences. Use the tables below to easily review and compare different credit cards by category. This will help you find the right card for you.
Comparison of Best Cashback Credit cards in UAE
| Credit card Name | Cashback Offer | Minimum Salary (in AED) | Interest Rate | Annual Fees (in AED) |
|---|---|---|---|---|
| Citi Cashback Credit Card | Automatic cash back on all purchases, with no minimum spend: 3% on Non-AED spend 2% on Grocery Spend 1% on all other spend |
8000 | 3.5% | Free for First year |
| CBD Super Saver Credit Card | Get Up to 10% cashback on bills, education, supermarkets and fuel | 5000 | 3.85% | Free for First year |
| DIB Consumer Cashback Platinum Card | The maximum cashback you can earn per billing cycle is AED 1000. Get up to 4% Cashback on Bill Payments, fuel, school fees & Supermarket spending. |
15000 | 3.69% | 199 |
| FAB Cashback Credit Card | Get up to 5% cashback on fashion, dining, shopping, groceries , 3% cashback on internal spends & 1% cashback on other spends | 5000 | 3.85% | 300 |
| Standard Chartered X Credit Card | Get up to 10% cashback on online purchases, all mobile wallets, and International purchases. | 8000 | 3.69% | Free for first year |
Compare Grocery Credit cards in UAE
| Credit card Name | Grocery Cashback Offer | Minimum Salary Required (in AED) | Interest Rate | Annual Fees (in AED) |
|---|---|---|---|---|
| Citi Cashback Credit Card | Get 2% cashback on grocery | 8000 | 3.5% | Free for First year |
| Emirates Islamic CashBack Plus Card | Earn cashback of 10% on grocery spends at any supermarket | 7500 | 3.69% | 313.95 |
| ADIB Cashback Visa Covered Card | Enjoy 4% cashback on Grocery and Supermarket Spends | 8000 | 3.75% | 99 |
| CBD Super Saver Credit Card | Earn cashback of 10% on grocery spends at any supermarket (Including online) | 5000 | 3.85% | Free for first year |
| DIB Consumer Card | Get 3% Supermarket & Hypermarket Purchases | 5000 | 3.69% | 150 |
Airport Lounge Access comparison Credit cards in UAE
| Credit card Name | Grocery Cashback Offer | Minimum Salary Required (in AED) | Interest Rate | Annual Fees (in AED) |
|---|---|---|---|---|
| Citi Rewards Credit Card | Get Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app | 8000 | 3.5% | Free for First year |
| HSBC Cashback Credit Card | Get 12 complimentary visits to 1000+ airport lounges worldwide via Lounge Key | 5000 | 3.69% | Free for First Year |
| Emirates Islamic Skywards Signature Credit Card | Enjoy Unlimited complimentary access to over 1000+ airport lounges. | 12000 | 3.69% | 735 |
| Standard Chartered Saadiq Credit Card | Enjoy access to over 1,000 airport lounges in more than 300 cities, with 8 complimentary visits per year. | 8000 | 3.69% | Free for first year |
| CBD One Credit Card | Enjoy 8 complimentary visits to over 1,000 airport lounges globally with Lounge Key. | 5000 | 3.85% | Free for first 36 months |
Compare Valet Parking Credit cards in UAE
| Credit card Name | Valet Parking Benefit | Minimum Salary Required (in AED) | Interest Rate | Annual Fees (in AED) |
|---|---|---|---|---|
| Citi Prestige Credit Card | 2 Valet parking services per month at select Valtrans locations | 30000 | 3.50% | 1500 |
| Emirates Islamic Flex Elite Card | Get 2 complimentary valet parking services each month at selected locations. | 15000 | 3.69% | 735 |
| Emirates NBD Skywards Signature Card | Valet parking available at select locations in Abu Dhabi. | 12000 | 3.25% | 735 |
| FAB Rewards Signature Credit Card | Enjoy 2 complimentary valet services per month at select locations across the UAE | 15000 | 3.85% | 300 |
| CBD Super Saver Credit Card | Enjoy three complimentary Valtrans valet parking services per month at Dubai International Airport (Terminal 1 and Terminal 3), Al Maktoum International Airport, and various other locations. | 5000 | 3.85% | Free for first year |
School Fee Credit Cards Comparison in UAE
| Credit card Name | School Fee offer | Minimum Salary Required (in AED) | Interest Rate | Annual Fees (in AED) |
|---|---|---|---|---|
| CBD Super Saver Credit Card | Get 10% cashback on educational fee | 5000 | 3.85% | Free for first year |
| DIB Consumer Cashback Reward Card | Get 3% cashback on school fee | 5000 | 3.69% | 150 |
| Emirates Islamic Cashback Plus Card | Get 10% cashback on school & university fees | 12000 | 3.69% | 313.95 |
| FAB GEMS Titanium Credit Card | Earn 4.25% cashback on GEMS school fees. | 5000 | 3.85% | 399 |
| HSBC Cashback Credit Card | Get 2% cashback on educational fee | 5000 | 3.69% | 313.95 |
Compare Zero Forex Tx Credit cards in UAE
| Credit card Name | Forex Rate | Minimum Salary Required (in AED) | Interest Rate | Annual Fees (in AED) |
|---|---|---|---|---|
| FAB Low Rate Credit Card | 0% | 10000 | 1.50% | 300 |
| FAB Infinite Travel Card | 0% | 30000 | 3.85% | 1500 |
| Emirates NBD dnata World Credit Card | 0% | 20000 | 3.25% | 1048.95 |
| Ajman Bank BRight World Credit Card | 0% | 10000 | 3.50% | 1500 |
| Ajman Bank BRight Platinum Credit card | 0% | 10000 | 3.50% | 1000 |
List of Credit Cards in UAE
Minimum Salary
Interest Rate
Loan Amount
Reducing Rate
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
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: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app
- Airport Transfers: 2 rides per year (up to AED 110 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 10% 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
Hide Explore
Advantages
- Get 1.75 Stars on 1 AED
- Discounts on movie tickets
Features
- Complimentary offers at fitness clubs
- Discounts on movies at Reel Cinemas, VOX Cinemas etc.
- Provides pickup and drop facility at the airport
Features
- Complimentary offers at fitness clubs
- Discounts on movies at Reel Cinemas, VOX Cinemas etc.
- Provides pickup and drop facility at the airport
- Can get free access to airport lounges in the Middle East region
- The interest of cash advance will be charged at 3.5% per month until 23 January 2023 & from 24th January 2023 onwards 3.99% per month will be charged.
The interest on Retail purchases will be charged at 3.75% per month until 23 January 2023 & from 24th January 2023 onwards 3.85% per month will be charged. - Minimum salary of AED 8000 is required
- Zero annual fees
Benefits
- Get Buy 1 Get 1 free offer on movie tickets at VOX Cinemas on tickets booked online using FAB Platinum Visa card
- Can get 4 (per month) movie tickets for the lowest price of AED 15(on weekdays) - AED 20(on weekends) at Reel Cinemas, Cine Royal, and Oscar Cinemas
- Pay only AED 30 on each visit to Fitness First Clubs (Maximum 4 visits per month)
- Free travel insurance is provided on tickets booked using FAB Platinum Visa Card
- Can get 2 free airport transfer services per annum
- Get reward stars on every dirham spent
- Can earn 1.75 stars on every dirham spent on international expenses and 1 Star on every AED spent on local expenses
- Can redeem stars for Lifestyle benefits, Dining, Etihad Guest Miles, Skyward Miles and much more
- Starting from September 2022 annual fee will be applicable to all Platinum credit cardholders.
- The annual fee is waived with a minimum annual spend of AED 18000.
- With salary transfer, AED 200 annual fee is charged.
- Without salary transfer, AED 300 annual fee is charged.
- Earn up to 3 FAB rewards on every AED 1 spent.
Advantages
- 40% off at golf clubs
- 30% off on dining
- 3%-7% off on air tickets & hotel bookings
Features
- Your Emirates NBD MasterCard Titanium 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 access to up to 50% of your credit limit as cash with your Emirates NBD MasterCard Titanium Credit Card.
- Protect plus insurance.
Features
- Your Emirates NBD MasterCard Titanium 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 access to up to 50% of your credit limit as cash with your Emirates NBD MasterCard Titanium Credit Card.
- Protect plus insurance.
- Enjoy and avail The Emirates NBD Installment plan.
- Enjoy paying Utility bill using various options.
- Get unlimited lounge access across middle east.
- Avail options like Instant cash, Credit shield and free 24/7 roadside assistance.
- The Forex rate stands at 1.99%
- You can avail an interest free period of up to 55 days.
You need to pay a minimum amount of 5% of the outstanding balance or AED 100, whichever is higher. - You need to have a minimum salary of AED 5000 to avail this card.
- You can transfer your balance at the rate 0.8%, with a choice of 3 to 36 months.
- The annual fee of this card is AED 420.
Benefits
- Get up to 40% discount at 100 Golf courses worldwide.
- Your Titanium Card provides the most convenient option for RTA Salik Auto top up.
- Up to 30% off at over 2000 restaurants across the UAE.
- Get 3% discount on air tickets and up to 10% discount on holiday packages through the Emirates NBD Travel Desk.
- For every AED 100 retail spend on your card, you will earn 1 Plus Points.
- Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt.
- MasterCard buy 1 get 1 offers.
- 15% off any order when you shop online with MarkaVIP across Saudi Arabia, UAE, Jordan, Lebanon, Qatar, Kuwait, Oman and Bahrain.
- Card fraud protection.
-
Emirates NBD Credit Card offers the New Credit Shield Pro feature includes
- 0.99% on monthly fee on outstanding balance- Each cardholder 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
- Plus points can be redeemed for cashback.
- Earn 1 plus point for every AED 100 spend.
- You can redeem your points with various merchants like supermarkets, cashback, frequent flyer miles etc.
Advantages
- 10% Cashback
- 2 free valet parking
- 50% OFF at VOX Cinemas
Features
- Both UAE nationals and expats are eligible
- Avail cashback on purchases made using the card
- Get lifestyle benefits and complimentary lounge access.
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
- Earn 10% cashback on retail categories like bills, supermarkets, education, and transport
- Can get 50% OFF on ticket bookings made at Vox, or Reel Cinemas
- Enjoy the complimentary airport lounges across the world at more than 1,000 airports.
- Enjoy complimentary valet parking across 30 locations.
- Get Your travel Insurance with Multi-trip travel insurance with coverage of up to USD 500,000
- Enjoy the benefits of a 0% Easy Payment Plan, Balance Transfer & Quick Cash at competitive prices.
Advantages
- 1%-2% cashback on local & international expenses
- 20% discounted Careem rides 3/month
- Free airport lounge access
Features
- Get up to 1-2% cashback on expenses
- Discount on careem rides
- Offers at Costa Coffee
Features
- Get up to 1-2% cashback on expenses
- Discount on careem rides
- Offers at Costa Coffee
- Free access to airport lounges
- Interest rate of 3.45% is charged
- A minimum income of AED 5000 is required per month
- For the first year there is no annual fee charged. From the second year AED 525 is charged as annual fee.
Benefits
- 0% interest rate and 0% processing fee on balance transfer
- Unlimited complimentary access to over 20 local and international lounges
- Buy 1 coffee and at Costa Coffee and Get 1 free by paying the bill with your Platinum Credit Card
- Enjoy three 20% discounted Careem rides per month
- Get discounts at hotels.com
- Get 30% OFF on travel bookings made on cleartrip
- Get USD 50 off on expedia.com on making for flight tickets and hotel bookings
- Get 1% cashback on domestic expenses
- Get 2% cashback on international expenses
Advantages
- High benefits for travelers
- Get guest miles
- Free companion ticket
Features
- You can avail 4 supplementary cards with this card.
- Convenience to make your card payments in any of ADIB branches.
- Get instant SMS updates.
Features
- You can avail 4 supplementary cards with this card.
- Convenience to make your card payments in any of ADIB branches.
- Get instant SMS updates.
- High earning rewards program.
- This is an Islamic card.
- This card avails salary transfers.
- Get preferred rates from ADIB travel desk for airlines
- The Forex rate on this card is 2.3%
- Get a free grace period of 55 days to repay your outstanding balance.
- You can balance your transfer at the rate of 3% or AED 300.
- You need to pay an annual fee of AED 2000 to avail this card.
Benefits
- You can receive service from ADIB travel desk
- You can redeem your Etihad guest miles for House Furnishing, Travel Bookings, Electronics and Gifts for Friends and Family.
- You can withdraw 100% of your finance limit for your need of cash.
- Avail advance technology of chip and pin for safe transactions.
- Free companion ticket voucher, which is not available on any other card.
- Fast track to Etihad guest gold tier.
- Free airport lounge access via lounge key.
- Valet parking at select locations.
- Free roadside assistance.
- Earn a welcome bonus of 50,000 Etihad guest miles.
- Receive 3 Guest mile up to 4 AED spent internationally.
- Receive up to 2.2 guest miles for every 4 AED spent on local transactions.
- You can even pay for your ADIB Etihad Guest covered card’s annual fees using 60,600 Etihad guest miles.
Advantages
- 1 air mile on 4 AED spent
- Buy 1 get 1 free offers
- Discounts at vox cinemas
Features
- This card is recognized over 32 million establishments.
- This card offers you benefits home and abroad.
- This card offers you a team of financial advisers and helps you achieve your financial goals.
Features
- This card is recognized over 32 million establishments.
- This card offers you benefits home and abroad.
- This card offers you a team of financial advisers and helps you achieve your financial goals.
- This bank offers you an instant credit card with an instant approval.
- This card also provides an instant limit approval.
- This card also offers 24 hour delivery of your card.
- Avail Flexi plus installment program with which you can avail 0% installment plans for purchases.
- The Forex rate stands at 2%
- You get an interest free period of up to 56 days.
- You require a minimum salary of AED 10,000 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.
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
- Avail 10% discount in on British Airways fares for flights from UAE to UK, Europe, USA and Canada.
- Access HSBC mobile app for more discounts and offers.
- Get exclusive offers on dining and shopping at 19000 outlets in 160 countries.
- Buy one get one free offers at VOX cinemas with this card.
- Enjoy 200 offers on Golf access programs across the MENA region.
- Avail purchase protection and extended warranty with this card.
- Avail Credit shield plus with this card.
- Avail supplementary cards with this card.
- Also avail Valet parking with this card.
- Enjoy airport dining at over 200 locations with this card and with the partnership of Dragonfly.
- Get up to AED 400 welcome bonus cashback on applying & Offer is valid only for primary cards. T&Cs Apply. The offer is valid up to 30 September 2023.
- Get up to 1 airmile for every AED 4 spent
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.
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
- Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt.
- Access to business facilities—email, Internet, phones, fax machines, and conference space in some lounges.
- unlimited airport lounges access at airport lounges across the Middle East.
- Get 3% discount on air tickets and up to 10% discount on holiday packages through the Emirates NBD Travel Desk.
- Up to 30% at over 2,000 restaurants across the UAE, Middle East and Europe.
- 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.
Features
- Get 1% cashback on purchases
- An interest rate of 2.79% of the balance utilized will be charged
- A minimum income of AED 40,000 is required per month
Features
- Earn high rewards on every transaction made
- Get lifestyle, travel benefits
- An interest rate of 2.79% of the balance utilized will be charged
- A minimum income of AED 40,000 is required per month
- No annual fees for a year. From second year AED 1500 is charged
Benefits
- Free access to airport lounges anywhere in the world
- Get complimentary travel insurance
- Special discount on bookings made through hotelclub.com
- Get Harrods Rewards Black-tier card for free
- Get 1% cashback on purchases
Advantages
- Earn 1 wala rewards for every 1 AED spent
- No annual fees
- 80% cash withdrawal limit
Features
- This card is an Islamic card.
- This card caters to your financial needs like no other card.
- This card comes with modern day convenience.
Features
- This card is an Islamic card.
- This card caters to your financial needs like no other card.
- This card comes with modern day convenience.
- This card comes with worldwide acceptance.
- The forex rate stands at 2.26% for this card.
- The repayment period is 20 days from the date of statement.
- You need a minimum salary of AED 5000 to avail this card.
- This bank provides the facility to transfer the balances of any other card to this card.
This facility can be availed through Al Islami Online Banking, Al Islami Mobile Banking, and through Express Banking Terminals.
80% of the cash limit or 100% of the available cash limit can be used for balance transfer facility.
A customer can do multiple balance transfer transactions with this card.
For balance transfer, you can do a minimum amount of AED 100 and maximum amount of AED 2,50,000. - There is no annual fee on this card.
Benefits
- You can redeem Wala's payments for Utility bills and get 2% back.
- You can automatically get enrolled into roadside assistance with this card.
- You can keep the membership card handy, and avail the roadside assistance service when you feel like throughout the week.
- Avail personal accident cover, abd get yourself and your family protected.
- This card comes with 0% interest to pay.
- Get travel insurance along with your air ticket.
- You can also avail credit shield (Takaful) with this card.
- Avail card protection plus to protect your card from any misuse.
- With Wala reward system, you will get 0.50% of your spends, which can be redeemed for hotel bookings, flights, electronics, household and utility payments.
What is a Credit Card?
Credit Cards need no introduction. Almost everyone has availed the benefits of using a Credit Card at least once in their lifetime. For those who haven’t, Credit Cards allow you to purchase goods or services on credit for a small fee. It is an alternative for cash and enables you to carry out internet-based and shop-based transactions with ease. UAE also offers Shariah compliant Credit Cards based on ‘Bai Inah’, ‘Wadiah’ and ‘Qardhul Hassan’.
The high-cost of living in UAE makes Credit Cards a must-have financial tool in every household. 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. You can compare credit cards with the benefits, features, eligibility, etc. You can find the best credit card in UAE and apply credit card online in the UAE easily.
Best Credit Cards in the UAE ()
Cashback Credit Cards
Rewards Credit Cards
- Standard Chartered Manhattan Rewards+ Credit Card
- ADIB Value+ Card
- Emirates NBD Titanium Credit Card
Movie Credit Cards
Travel Credit Cards
Cashback Credit Cards
1. Citi Cashback Credit Card
Citibank bank provides automatic cashback on all spends. There is no maximum limit cap to avail of cashback (up to monthly credit limit). This is the best credit card in Dubai & UAE for frequent shoppers.;
Citi Cashback Credit Card comes with perks such as:
- 3% cashback on non-AED spend.
- 2% cashback on grocery & supermarket spend
- 1% cashback on every dirham spent in UAE
- Unlimited Global Airport lounge access
- Instant cash loan & Easy installment plan
Fees and charges on Citi Cashback Credit Card
- No Annual Fee for First Year
- Minimum salary AED 8000
Good for: Shoppers who use a credit card on every purchase
2. Standard Chartered Platinum 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 of 1% on Domestic Purchases
- Cashback of 2% on International Purchases
- Three 20% discounted Careem rides per month
- Get balance transfer for 0% interest rate
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.
3. CBD Super Saver Credit Card
As the name suggests, CBD super saver is one of the best credit cards in Dubai that help in saving on every purchase made using the credit card.
Offers provided on CBD Super Saver card are
- Provides up to 10% cashback on retail spendings
- 50% OFF can be availed at VOX Cinemas
- Get 2 free valet parking services
Fees and Charges
- Minimum salary AED 5000
- Annual fees AED 420 (first year free)
Good for: Frequent shoppers who are looking for cashback card and uses a credit card on monthly regular expenses
Rewards Credit Cards
4. Standard Chartered Manhattan Rewards+ Credit Card
Standard Chartered Bank Manhattan Rewards+ Card provides high rewards on every purchase made using the card. This is most useful for people who use their credit card on daily basis for shopping and dining.
Standard Chartered Manhattan Rewards+ comes with benefits such as:
- Get AED 500 Amazon Gift Card as Welcome Bonus
- Buy 1 Get 1 Free on Movie Tickets
- Earn One 360° reward point per 1 USD spent anywhere
- Redeem rewards to travel miles and hotel loyalty programs
- Get free access to 1000+ airport lounges
- Get 20% Off on dining
- Get 50% Off on second popcorn at Movies
- Avail Buy 1 Get 1 Free offer at Costa Coffee
Fees and Charges
- Annual fee AED 0 (first year)
- Minimum salary AED 10,000
Good for: Frequent shoppers. Can save high on reward points and discounts.
5. ADIB Value+ Card
ADIB Value+ Card offers rewards on purchases made using the card. It offers rewards that can be redeemed on shopping, travel, etc.
ADIB Value+ Card contains offers such as
- Can get high offers at selected restaurants
- Can get 2 reward points of every 1 AED spent
- Access to airport lounges
- Cash withdrawal of 100% credit limit
Fees and Charges
- Minimum salary of AED 5000
- Annual fees AED 0
Good for: Frequent card users. Can redeem reward points and save a lot of money.
6. 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
- Minimum salary AED 5000
- Annual fee AED 400
Good for: Retail shoppers and travelers. Can save up to AED 300 on your monthly spendings.
Movie Credit Cards
7. Mashreq Platinum Elite Credit Card
If you are a request moviegoer then this is the card for you. Mashreq offers an exclusive credit card for movie lovers.
Mashreq Platinum Elite Credit Card contains offers such as
- Get 50% discount on movie tickets
- Free worldwide access to airport lounges.
- Free access to airport lounges in the Middle East
- Get up to AED 2000 joining bonus with Platinum Elite Credit Card.
- Get Pay to protect insurance on your card
- Get Mashreq Salaam Rewards by spending and earning using your credit card
- Enjoy the freedom to buy now & pay later with easy payment plan
- Get complimentary access to Fitness First for up to eight visits every month.
Fees and charges of the Platinum Elite Credit Card
- Annual fee for Primary Card: AED 650
- Minimum salary AED 7000
Good for: Movie lovers. Can save 50% on your monthly movie expenses
8. Emirates Islamic Etihad Guest Saqer Credit Card
Emirates Islamic Bank offers a wide range of credit cards which provide great deals to the customers. Emirates Islamic Cardholders can enjoy exclusive the best offers and dining discount deals locally and internationally.
Below is a list of offers provided by Emirates Islamic Etihad Guest Saqer Credit Card.
- Earn 50% cashback on Movies & save upto 75 AED for a month.
- Welcome Bonus Promotion get up to 110,000 Etihad Guest Bonus Miles
- Get up to AED 899 cashback as a welcome bonus
- Card holders can avail two free wifi vouchers every membership year.
- Unlimited 20% Etihad Guest Miles Back on upgrading/booking a flight
- Card holders can enjoy a free valet parking facility once in a calendar month.
- If you have Etihad Guest Membership then you can get Emirates Islamic Etihad Guest Saqer Credit Card
- Can earn Etihad Guest Miles up to 3 miles per USD spent
- Get Etihad Guest Silver Tier Status
- 20% Etihad Guest Miles Back
- Unlimited 20% miles back on booking/upgrading a flight with Etihad Guest Miles.
- Complimentary Airport Transfers
- 0% Easy Payment Plan on Etihad purchases
- Complimentary golf any day of the week
- Complimentary Valet Parking
- Multi trip travel Insurance
Fees and charges of the Emirates Islamic Etihad Guest Saqer Credit Card
- Annual fee : AED 943.95
- Minimum salary AED 5000
Good for: Movie Lovers, Frequent flyers. Can save on your monthly movie expenses.
Travel Credit Cards
9. ADIB Etihad Guest Visa Platinum 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
Good for: Frequent flyers. Can save on your companion’s travel ticket.
10. HSBC Platinum Select Credit Card
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
- Buy 1 Get 1 free on movie tickets 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.
11. FAB Platinum Credit Card
FAB Platinum Visa 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 3 FAB Stars for every AED 1 spent.
- Movie tickets at AED 15
- Lifestyle benefits including discounts on movies & access to fitness clubs.
- Travel benefits including Meet & Greet, airport transportation & lounge access
- Complimentary travel insurance on purchasing tickets using the card.
Fees and charges for the Platinum credit card
- Annual fee AED 0
- Minimum salary AED 8000
Good for: Frequent moviegoers and travelers looking for 0 annual fees card.
How to apply for a Credit Card?
Getting a credit card in UAE is a simple process if you meet the eligibility criteria for the credit card you want to get.
- Pick the best benefit you are looking for a credit card in UAE like, cashback, rewards, travel miles, shopping or dining discounts, etc.
- Check the eligibility criteria for the card
- Fill the application form or visit the bank website to apply for the credit card online in UAE
Credit Card Eligibility
The eligibility for a credit card varies with each bank. Here's the basic eligibility criteria for a credit card in UAE.
- Applicant must be at least 21 years old
- Minimum salary of AED 5000 is required
- UAE residents are eligible
Features of Credit Cards
Over the years, Credit Cards have evolved to suit each of your spending needs. Some highlights are:
- Rewards: Credit Cards provide high reward points on everyday spendings. These rewards can be redeemed for shopping, dining and much more.
- Cashback: Most of the banks in UAE offer cashback on every dirham spent using the card.
- Cash on Card: Credit Cardholders can avail a loan against their cards on nominal charges.
- Easy Installment Plan: Can convert regular payments to EIP on low/no interest rates.
- Interest rates: Some cards offer an interest-free period; clearing the entire bill within the period will not attract any interest charges.
- Annual fees: Some cards charge an annual fee or joining fee which is very nominal.
- Discounts: Most cards offer discounts at restaurants, online shopping etc.
- Utility Bills: Pay utility bills and earn cashback or rewards on it.
- Insurance: Can avail travel insurance, purchase protection, etc., on purchases made using the card.
- Cashless Transaction: No need to carry cash around. Credit Cards offer cashless transactions eliminating the need to safeguard bundles of cash.
- A great tool for exigencies, especially when you run out of cash.
Different types of Credit Cards
Credit Card companies recognize your needs and offer cards well-suited to your spending habits. This has led to a plethora of cards available in the market in UAE. Let’s look at some variants available:
- Dining Credit Card: A foodie’s delight. These cards offer discounts at participating restaurants making your dinner outings lighter on your pocket.
- Travel Credit Card: Bitten by the travel bug? This is the card for you. It offers a host of benefits when you travel like free miles, free night stays at partner hotels, discounts on car rentals and many such benefits.
- Islamic Credit Card: These cards are compliant with the Shariah laws and are free from any Riba (interest) or Gharar (uncertainty).
- Insurance Credit Card: These cards are specifically designed to provide an insurance cover in exigencies. They offer benefits like Takaful insurance or personal accident cover.
- Student Credit Card: These cards offer discounts on school fees or cash backs along with the other benefits of a Credit Card. As a parent, this can be a huge relief considering the ever-increasing cost of education.
- Fuel Credit Card: These cards offer exclusive discounts at petrol pumps. Some of them also offer a range of free services like road assistance, discounts on International driving license, etc.
- Reward and Cashback Credit Card: Every time you spend on your card, these cards offer a small percentage of it back. A Reward card provides points which can be redeemed on specific products/services. A Cashback card converts a small percentage of your spending into cash and credits it back to your Credit Card account.
- Grocery Credit Card: Time to go grocery shopping but miss the haggling with the roadside vendor? The Grocery card offers special rewards and discounts at different grocery store chains.
Credit Card fees and charges
There is a growing concern about various fees charged by Credit Card companies. While some of these are unavoidable, being meticulous with your finances can help avoid most of these charges. Here is a look at a majority of those fees:
- Annual Fee : charged annually for the primary card.
- Supplementary card annual fee : charged annually for all supplementary cards.
- Retail Interest : interest charged on the purchases made using the Credit Card
- Cash Advance Interest : interest charged on cash withdrawn using the Credit Card
- Cash Advance Fee : fee charged for availing cash advance on your Credit Card
- Late Payment fee : charges applicable if you do not pay your bills in time.
- Over Limit Fee : in case your spending + interest exceeds the prescribed limit.
- Card Replacement Fee : in case you want to replace your existing card.
- International Transaction Fee : for use in foreign currencies.
- Credit Shield : a cover to help you pay back the balance if you are unable to do so due to disability or death. This is provided on a monthly fee.
How to choose a credit card?
Credit cards can be of great financial assistance if rightly chosen and used. There are various uses of a credit card right from cashback, travel offers, rewards, to Easy Payment Plans and much more. Choosing a credit card can be tough if you are not clear about your requirements.
- Spending Pattern : Understand your spending habits like on what you spend the most. Some cards provide high cashback at hypermarkets while some provide rewards on travel portals. So if you are frequent travel then get a card that can earn you travel rewards. Else get a cashback card for your frequent purchases.
- Minimum spending : Most of the credit cards in UAE have high benefits on it. But these offers and benefits can be utilized only after a minimum spending is made on the card.
- Credit Limit : Maximum Credit limit provided is chosen by the banks depending on the person’s liability. If you exceed the credit limit banks charge over-limit charges. So make sure you get a right credit limit according to your spendings.
- Fees and Charges : There are several charges associated on a card. Like annual fees, joining fees, interest rates, etc. Most of the cards are provided on low/no additional fees initially. So get a complete picture of fees and charges.
Documents Required for applying for Credit Card
While every bank may have its own set of documentations required to approve an application for a Credit Card, below is a list of basic documents needed:
- Salary Certificate not more than 30 days old (for salaried individuals)
- Income details (for self-employed individuals)
- Bank Statements
- Valid Passport
- Valid UAE ID
You must ensure that these documents are available with you before you approach a bank for a Credit Card. Apart from these, banks may choose to ask for more documents to ascertain your credit viability.
Credit Card Usage Tips
Dos
- Understand the working of a credit card before getting one.
- Get a perfect credit card according to your spending habits.
- Make use of the rewards earned before the expiry date.
- Take advantage of the discounts and features of your card while making purchases.
- Pay credit card bill in full to avoid additional fees and charges.
- Contact your bank immediately if your card has been stolen or if you suspect misuse of any sort. Timely action can save you thousands of Dirhams.
Don'ts
- Don’t be reckless in your spending because you can always pay later. Beware of the debt-trap.
- Don't use more than 30% of the credit limit assigned.
- Don’t make purchases for the case of rewards.
- Don’t delay your payments – avoid additional charges.
- Avoid cash withdrawal using a credit card.
- Don’t share your card details, passwords, PINs with anyone and ensure that your cards are kept secure always.
Remember, Credit Cards can be your best friends or worst enemies. They are financial tools designed to make life easier if used correctly. With an increase in the number of spending avenues due to growing number of shops online, you must exercise optimum control on your spending to make the best of this tool.
Frequently Asked Questions
⭐ Is cashback provided on every credit card?
A. No, not all the credit cards have cash back facility. Please read the features and benefits on the card before you opt one.
⭐ Can i get a credit card without income proof?
A. Income proof is a mandatory document if you apply for a credit card in UAE.
⭐ What is the maximum credit limit provided on the credit card?
A. The maximum credit limit depends on the applicant’s minimum salary.
⭐ Can I withdraw cash from my credit card?
A. Yes, you can withdraw cash using your credit card but some withdrawal fees are charged.
⭐ Are there any credit cards with no annual fees?
A. Yes, there are several banks providing credit cards on no annual fees lifelong.
⭐ Can I transfer my existing card balance to a new credit card?
A. Yes, you can transfer your existing credit card balance to a new credit card, if the bank approves.
⭐ Do all the credit cards provide travel benefits?
A. No, there are specific credit cards with wide range of travel benefits.
⭐ Can I get supplementary credit card for free?
A. Yes, few banks provide supplementary cards for free on the primary credit card.
⭐ Is there any eligibility to get supplementary card?
A. The supplementary credit cardholder must be of minimum 18 years and close family member of the primary cardholder.
⭐ How do I get credit card statements?
A. You can visit the bank and request for a credit card statement or can get access to online banking and print e-statements.
⭐ Is it mandatory to get credit shield?
A. It varies with banks, at few banks it is mandatory to get a credit shield and at some banks it is optional.
⭐ Can I get loan on credit card?
A. Yes, few banks provide loans on the credit card as well.
⭐ Is it mandatory to close my credit card account before I leave UAE?
A. Yes, if you are going to leave UAE for a long time then it is mandatory to close your credit card account.
⭐ Can I apply for a credit card online?
A. Yes. You can apply for a credit card online.
⭐ Which is the best credit card amongst the listed cards above?
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.
⭐ 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
⭐ 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.
⭐ Is the annual fee Zero on ADIB Value+ card lifelong?
A.There is NO annual fee charged on ADIB Value+ Card for a lifetime.
⭐ 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.
⭐ Are there charges on cash withdrawal from the credit card?
A.Yes. there are charges levied on cash withdrawal from the credit card.
⭐ 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.
⭐ 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.
⭐ 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.
MyMoneySouq's Robo Advisor 