List of No Annual Fee Credit Cards in UAE
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Thank you for providing your details.Credit Cards with No Annual Fee in UAE
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
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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 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
Advantages
- 50% off at VOX Cinemas
- Free for first year
Features
- Get Reward Points on Domestic & International spending.
- Get airport lounge access, VIP Parking
- Enjoy Golf, movie discounts, travel insurance & valet parking.
Features
- Get Reward Points on Domestic & International spending.
- Get airport lounge access, VIP Parking
- Enjoy Golf, movie discounts, travel insurance & valet parking.
- Enjoy the Dining & Lifestyle offers through the CBD Mobile app
- Balance transfer is applicable on this card.
- The minimum age should be 21 years and the maximum age should be 63 years
- The Forex rate stands at 2.99% for this card.
- The applicable interest rate on this card is 3.85%
- You should have a minimum salary of AED 15,000.
- Balance transfer is applicable on this card.
- Get free for the first year on an annual fee and from the second year onwards AED 787.5 including VAT.
No annual fees on supplementary cards
Benefits
- Earn AED 2000 cashback on min. spending criteria till 20th March 2024. T&Cs apply.
- Enjoy the complimentary airport lounges across the world at more than 1,000 airports.
- Get a 50% discount on movie tickets at Novo, Reel & VOX cinemas.
- Enjoy complimentary valet parking at 30 locations.
- Enjoy complimentary rounds of Golf at Trump International Golf Club
- Get Your travel Insurance with Multi-trip travel insurance with coverage of up to USD 1,000,000
- Enjoy the benefits of a 0% Easy Payment Plan, Balance Transfer & Quick Cash at competitive prices.
- Earn up to 2.5 CBD reward points for every AED spent on Domestic Spends.
- Earn up to 3 CBD reward points for every AED spent on Domestic Spends.
- Earn rewards and redeem them for cashback on your card, airline tickets, Emirates Skywards Miles, electronics purchases, shopping vouchers, and contribute to charity. Additionally, use points to pay for your next shopping spree.
- Explore over 500 dining and lifestyle deals using the CBD Mobile app.
Features
- This card is an Islamic card.
- This card caters to your unique finance needs.
- This card comes with modern day privileges and worldwide acceptance.
Features
- This card is an Islamic card.
- This card caters to your unique finance needs.
- This card comes with modern day privileges and worldwide acceptance.
- This card is an interest free card.
- There is a 80% cash advance limit with this card.
- The Forex rate stands at 2.26% for this card.
- You get a repayment period of 20 days with this card.
- There is a requirement of minimum salary of AED 5000 with this card.
- There is no annual fee on this card.
Benefits
- This card comes with no profit rate or any monthly fee.
- You can facilities like travel desk and travel insurance.
- Avail purchase protection with this card.
- You get roadside assistance with this card as and when needed.
- You also get personal accident insurance with this card.
- This card is accepted at 27 million outlets worldwide.
- You can redeem 1% of your utility bills with this card.
Advantages
- Discounts on movie tickets
- Free life insurance
- Buy 1-Get 1 free offers
Features
- This card has a built in Nol Chip to make payments at RTA Parking Meters Metro.
- You can avail The NBD Installment plan with this card.
- Get Instant cash and flexible payment options with this card.
Features
- This card has a built in Nol Chip to make payments at RTA Parking Meters Metro.
- You can avail The NBD Installment plan with this card.
- Get Instant cash and flexible payment options with this card.
- Easy payment of utility bills with this card.
- Get 24 hour assistance and SMS alerts with this card.
- Get Instant purchase protection on your purchases and extended warranty.
- Special privileges and offers with this card.
- The foreign currency rate applicable on overseas transactions is {FX rate} and is a mark up over the Visa and MasterCard fee
- Up to 55 days interest free. Min repayment of 5% or AED 100 whichever is higher.
- You require a minimum salary of AED 10,000 per month to be eligible for this card
- BT available at 0.8% with a choice of 3-36 months
- There is AED 208.95 annual fee for this card.
Benefits
- This card provides the convenience to do Nol and Salik top up.
- You can save on movie tickets at VOX Cinemas for AED 40, instead of AED 70.
- Avail free Ferry rides at RTA Dubai Ferry.
- Avail complimentary life insurance of AED 75000.
- Get Bon Appetite Disount of 30% at over 2000 restaurants.
- Get 5% discount on Air tickets and 10 % discount on air tickets.
- Emergency cash and card replacement.
- International medical and travel assistance.
- Using this card become eligible for RTA monthly pass
- Access Gold Class on the Dubai Metro and pay your fare using your card
- Enjoy cashless payments using your smart phone or smart watch
- Get free life insurance facility
- Get lifestyle protector insurance which is available only for primary card holders.
-
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
- Plus Points can be redeemed for cashback
- By spending AED 200 you can earn 1 plus point.
- Earn 5 Plus Points for every AED 200 spend on weekends
- Earn 4 plus points for every AED 200 spend on RTA
- Earn 1 plus point for every AED 200 spend on weekdays
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.
Advantages
- 1 air mile on 1 AED spent
- Free valet parking
- Discounts on movie tickets
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.
- Get cash advance of up to 50%
- Applicants must have a HSBC Advance Account to apply
- The Forex rate stands at 2%
- You get an interest free period of up to 56 days.
- You require a minimum salary of AED 15000
- 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 fees on 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
- Get a free lounge access at airports across MENA region.
- Get various dining, travel and entertainment discounts.
- Free HSBC app, where you can get over 8000 buy 1 get 1 offers.
- Free Valet parking across Dubai and Abu Dhabi.
- Airline and Hotel discounts of up to 30%
- Get 20% discount with Careem rides across middle east.
- Get benefits on luxury online shopping bonus and 6% discount with Reebonz.
- Get 25% discount with MyUS.
- Get 'Buy 1 Get 1' free offer at VOX Cinemas.
- Enjoy a specific discount of 15% with British Airways.
- Avail credit shield option with this card.
- Avail purchase protection with this card.
- Get AED 400 cash back as a welcome bonus on applying for an Advance Credit Card & Offer is valid only for primary cards. T&Cs Apply. The offer is valid up to 30 September 2023.
- You can earn 1 airmile for 1 AED.
- You can redeem these airmiles for travel accommodation, airline tickets, electronics, entertainment, shopping vouchers or donations.
- You can redeem your airmiles for any flights to any destinations
Benefits
- No Annual Membership Fee (AMF) subject to spend*
- Redeem points for cash back or travel-related spend at a click of a button from Citi Mobile® App
- Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app
Benefits
- No Annual Membership Fee (AMF) subject to spend*
- Redeem points for cash back or travel-related spend at a click of a button from Citi Mobile® App
- 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
- Movies: 30% off 2 movie tickets per month at VOX cinemas
- Talabat: 20% discount (up to AED 14) on grocery and food orders once a 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
- Purchase Protection Cover (up to $5,000 p.a.) for damaged or stolen items within 90 days of purchase
- 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
Advantages
- 10% cashback on dining
- EI smart miles as signup bonus
- Free valet parking
Features
- Sign up bonus is provided
- High travel benefits are provided
- No annual fees on the credit card
Features
- Sign up bonus is provided
- High travel benefits are provided
- No annual fees on the credit card
Benefits
- 10000 EI SmartMiles are provided as signing up offer
- Get 2.5 - 3.75 SmartMiles on every purchase made in and out UAE
- Can redeem SmartMiles for travel and hotel bookings
- Get twice valet parking free in a month
- Can avail travel insurance for free
- Up to 2 “Buy 1 Get 1” complimentary movie tickets each month, any day of the week.
- Get a 15% discount on Emaar Entertainment Attractions.
- Get complimentary access to Dubai Ladies Club.
- Get complimentary airport lounge access to around 1000 airports in the world.
- Exchange your EI Smart Miles from our partners’ loyalty programmes with Etihad Guest, Emirates Skywards, Etisalat Smiles, Upoints By Emaar, Avios with Qatar Airways Privilege Club and InterMiles.
- 10,000 EI SmartMiles = 1,500 Etihad Guest Miles
- 20,000 EI SmartMiles = 4,000 InterMiles .
- 10,000 EI SmartMiles = 1,000 Emirates Skywards Miles
- 10,000 EI SmartMiles = 1,750 Avios
- 6,500 EI SmartMiles = 1,000 Upoints By Emaar
- 7,500 EI SmartMiles = 5,000 Etisalat Smiles
- Skywards Miles are earned on every usage of the card
What is No Annual fees credit card?
No Annual fees credit card or zero annual fee credit cards are those cards where there is no fee payment for usage of card. No Annual fee credit cards are in very much demand these days. These credit cards have 0 annual fee. Since credit cards have become the most important instrument of payment you can go out cashless and make the payments.
In the UAE, there are best credit cards with no annual fees and they provide great rewards. Some cards waive annual fees when the card user spends a certain amount of money. Credit cards are loaded with plenty of rewards, cashback offers, discounts and much more.
People do not use credit cards because they are afraid of fees associated with the card. There are no fees on credit cards available in the market. Generally annual fees are charged for card maintenance, service and support.
Credit cards with no annual fee and cash back offers are provided by the credit card companies. These credit cards do not charge any annual fee and are filled with lots of benefits. Some credit card companies provide huge discounts and benefits and charge a small amount of fees. A small amount of fees should not be a burden when you are receiving multiple benefits.
FAQs
1. What is Cashback on a credit card?
A.Cashback on credit cards means you will earn money when you spend using the credit card. The cashback will be added to your account.
2. Why are annual fees charged?
A.Credit cards provide a wide range of benefits from discounts, offers, to free access to airport lounges and other services. Since they provide so many benefits they charge a certain amount of fee as annual fees
3. What is a zero annual fee credit card?
A.No Annual fees credit card or zero annual fee credit cards are those cards where there is no fee payment for usage of card.
4. Will annual fees be waived on credit cards?
A.There are certain credit cards where the company offers a waiver on annual fee. Once the cardholder spends a certain amount of money annual fee will be waived
5. Are discounts available on no annual fee credit cards?
A.Yes, no annual fee credit card companies offer a wide variety of offers, discounts, coupons, access to lounges, golf course and much more.
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