Best Credit Cards in UAE

• You must be at least 18 years old.
• You must be a UAE citizen.
• You must earn a minimum of AED 5,000 per month.

Click here to check whether you are eligible to apply for a credit card in the UAE

• Pay the credit card bills in full before the due date.
• Make high-value transactions early in the billing cycle and keep track of your expenses.
• Review your credit card statements on a regular basis.
• Decide on a credit card limit that is appropriate for you.

• Minimum repayment requirements (percentage rate)
• All Fees & Charges
• Minimum Income Requirements
• Annual payments   
• loyalty point system or card rewards
• Cash back offers

• Mashreq Cashback Credit Card
• HSBC Zero credit Card
• Deem Cash Up Card
• Emirates NBD Titanium Credit Card.
• FAB Platinum Credit card.
• ADCB World Traveller Credit Card. 
• Citi Cash Back Credit Card

• Citi Premier Credit Card
• Mashreq Bank Platinum Elite Credit Card
• Emirates Islamic Flex Elite Credit Card
• HSBC Black Credit Card

• Najm Platinum Plus Credit Card  – Carrefour Shopping
• Deem Cash Up Credit card
• ADCB Lulu Titanium Credit Card – Lulu Hypermarket
• Emirates Islamic Union Coop Tamayaz Card – Union Coop Shopping
• ADIB Value+ Credit Card
• Citi Prestige Credit Card – Get 25% cashback on Grocery for First 3 months

• Najm Credit Card – VOX Cinema
• Mashreq Novo Credit Card – Novo Cinema
• Emirates NBD Go4it Credit Card – VOX Cinema
• HSBC Advance Credit Card – Reel Cinema
• Mashreq Solitaire Credit Card – VOX Cinema/ Reel Cinema

• Mashreq Cashback Credit Card
• Deem Cash Up Card
• Citi Simplicity Credit Card
• ADIB Value+ Covered Card
• HSBC Platinum Select Credit Card
• Deem Miles Up Master Credit Card
• Mashreq Cashback Credit Card

• Age: When it comes to credit card eligibility, age is a significant factor. Applicants between the ages of 21 and 60 will usually get a plastic card from most banks. However, if the applicant can demonstrate a source of independent income, a card can be obtained as early as the age of 18. A legal guardian must sign the application if the applicant is under the age of 18.

 

• Income: A credit card cannot be obtained unless the applicant can demonstrate that he or she has a source of income. The type of card a person can get is also determined by their monthly income.

 

• Credit History: While applicants with poor credit scores can be able to receive a credit card, their choices may be restricted, such as fee-free cards. It is necessary to have an excellent credit history in order to apply for the best credit cards in the UAE, which should preferably be between 300 and 900 points. Simply put, the applicant with the lowest credit score will be offered the best card with the most benefits.

 

• ID Proof: A valid ID proof is required in order to obtain this card. Expats must display relevant documents such as their passport and visa, while UAE nationals must show their Emirates ID.

 

• Address Proof: An address proof is required when applying for plastic money. Some banks may also deny applications from people who live in remote areas with limited access to the internet.

 

• Nationality/Residency: In the United Arab Emirates, such credit cards are only available to UAE citizens and residents. Nationality becomes a prerequisite for eligibility in such situations. Furthermore, an applicant’s residence in an Emirate may have an effect on the application. For example, when applying for a credit card in Dubai, online applications may be preferred over those in other Emirates.

Notice that the best credit cards in Dubai and UAE have the most stringent eligibility requirements. The applicant should maintain a strong credit history and bank balance to improve their chances of credit card availability in UAE for the best card offers.

• Application Form
• Passport copy.
• Copy of the Labor Card or a Government issued photo ID card to be self attested by the customer.
• Emirates ID card or copy of EIDA application from.
• Current Salary certificate or latest pay slip.
• 3 months bank statement.

To apply for credit card online: –

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• BankByChoice, as an aggregator website, provides its customers with a forum to compare various types of credit cards available in the UAE. Bankbychoice.com is the best place to compare credit cards and find the correct one quickly and easily.
• Unbiased Approach  – ae does not have a favorite brand. The findings of the card comparison are purely statistical. BankByChoice takes an objective approach, striving for an accurate description of all credit card deals in the UAE to make the applicant’s decision easier.
• The comparison reports are updated on a regular basis in order to have reliable results. By providing reliable and up-to-date information on annual membership fees, interest rates, and other factors, BankByChoice assists individuals in finding the right credit card in the UAE and makes credit card application a breeze.
• Customer-First – BankByChoice’s customer-first attitude has given the company the reputation of being a friendly and approachable company that cares for its customers’ well-being. If a person is unsure how to apply for such plastic money or simply wants to learn more about the credit card deals available in the UAE, bankbychoice.com representatives are always happy to help.