fbpx
loader image

Best Credit Cards in The UAE

Apply for a credit card from us and get up to AED 2000 cash reward as joining bonus plus up to 20% Cashback on daily spends! At BankByChoice, we compare credit cards based on a variety of factors such as credit card interest rates, annual fees, cash back deals, balance transfer cards, Air miles deals and more to help you find the right and the best credit card in UAE.

The Best Credit Cards Of November 2021

BEST CASHBACK CARDBEST AIR MILES CARD
best credit cards in uae

Mashreq Cashback

Simply Apply with your Emirates ID and get approval in 10 minutes.

AED 500 as a joining bonus

No Annual Fees

20% cash on Du, Etisalat, Zomato, Talabat, Netflix and more

Up to 30% discount across 2,000 dining outlets in UAE

Complimentary travel insurance

2% cashback on international spends

best credit cards in uae

Deem Miles Up Card

Up your travel game with Deem Finance miles up card.

Up to 5x miles up on airline ticket purchase

Up to 5x miles up on hotel reservation

5x miles up on international spends

3x miles up on shopping

Up to 30% discount on Cleartrip.com bookings with Free medical & Travel insurance

Product Of the Month

Mashreq Bank currently offers three types of credit cards, with benefits on daily expenses such as entertainment, dining and utility bill payment to international travel, hotel stays and much more. Watch the video to learn more about Mashreq credit cards.

The Mashreq Cashback Credit Card is one of the best credit cards offered by the Mashreq Bank. This card is ideal for shopping since members of this credit card can earn cash back in terms of rewards points on their purchases. And then, the earned cash back can be converted into direct statement credit.

Rate – 3.45 %

Minimum Salary – AED 5000

Annual Membership Fee – Free For Life

Features & Benefits
  • No annual fee
  • AED 500 as a joining bonus
  • 20% cashback at Netflix, Careem, Noon and more for the first 6 months
  • 5% cashback on dining spends in the UAE
  • 2% cashback on international spends
  • 1% cashback on domestic spends
  • No maximum caps, no minimum spend requirement
  • Up to 30% discount across 2,000 dining outlets in UAE
  • Instant cashback redemption
  • Complimentary travel insurance
  • Up to 55 days interest free period
  • The foreign currency rate applicable on overseas transactions is 2.79%

The Mashreq Platinum Elite credit card is one of a kind, allowing the cardholder to enjoy a life of luxury. Mashreq Platinum Elite Visa Credit Card and Mashreq Platinum Elite Mastercard Credit Card are the two versions of this Mashreq card. Both cards are designed to provide Elite rewards and advantages to their customers, allowing them to have a once-in-a-lifetime experience. The cardholder will enjoy anything from travel, shopping, dining, adventure, sports, and entertainment to complement their lifestyle.

Rate – 3.45%

Minimum Salary – AED 7,000

Annual Membership Fee – First year free (AED 650 Second year onward)

Features & Benefits
  • First Year Free, AED 650 waived
  • AED 1,000 as a joining bonus
  • 20% off on Zomato, Uber & more
  • Live the Elite Life. A host of exclusive discount offers awaits you across categories that are tailor made to suit your lifestyle. From a day out at the spa or a workout session at the gym or a day out with family – now you have it ALL.
  • Get complimentary access to more than 700+ airport lounges in over 300 cities right inside your wallet with your Mashreq Platinum Elite Card.*
  • Enjoy complimentary visits to Fitness First exclusively with your Mashreq Platinum Elite Credit Card.
  • Airport pickup or drop, this facility is available at Dubai International Airport and Abu Dhabi Airport.
  • As a Mashreq Platinum Elite Credit Card member you will earn 1 Salaam Point for every dirham of domestic spends and 3 Salaam points for every Dirham equivalent of International spends.

The Mashreq Solitaire Credit Card is a super elite card that has been meticulously crafted and thoughtfully conceptualized to meet the needs, demands, and desires of the UAE region’s ever-discerning and affluent population. From luxurious fine dining to golf opportunities, the card gives the cardholder a plethora of exclusive privileges and benefits.

Minimum Salary – AED 25000

Annual Membership Fee – AED 1,500

Features & Benefits
  • AED 2000 as a joining bonus – At least 3 transactions of min. AED 100 required in the first 2 months
  • 20% Cashback at Zomato, Careem, Netflix, Noon.com, UberEats, iTunes, Uber, Du, Talabat, AmazonPrime, Dubainow & Etisalat
  • Unlimited Fitness First Privileges
  • Premium Golf Privileges
  • Airport Lounge Access
  • Airport Pickup & Drop Services
  • Marhaba Silver Meet & Greet Services
  • Premium Dining privileges: You will get exclusive discounts of up to 30% at UAEs crème de la crème restaurants
  • Valet Parking Services
  • Car Registration and Servicing Pick up and Drop
  • Customized Loyalty Solution with Salaam points

Deem Mastercard World Cash Up Credit Card is a luxury card for those who like to indulge in various leisure activities. With a wide range of travel offers, this Deem Finance Credit Card is also suitable for those who travel frequently. The attractive deals and discounts offered make it one of the popular credit cards in the UAE.

Rate – 3.33 %

Minimum Salary – AED 6000

Annual Membership Fee – Free For Life

Features & Benefits
  • Up to 5% Cash Up at supermarkets
  • Up to 5% Cash Up on utility bills
  • 3% Cash Up on fuel
  • 0.5% Cash Up on all other spends
  • Earn Up points that never expire
  • Redeem Cash Up for cashback, pay with points and more
  • Enjoy discounts on dining, leisure & more with the Deem Offers app
  • Free for life
  • Supplementary Credit Cards
  • 20% discount on Careem
  • Access to 1100+ airport lounges
  • Up to 15% on Avis car rentals worldwide
  • Deem Double Secure

Enjoy up to 10% cashback on everyday spends, automatic credit of cashback every month, along with travel and lifestyle benefits. No annual fee for the 1st year and 2nd year onwards waiver subject to meeting minimum spend

Rate – 3.45%

Minimum Salary – AED 10,000

Annual Membership Fee – AED 229

Features & Benefits
  • 10% Cashback on all fuel spends in UAE*
  • 3% Cashback on all supermarkets spends in the UAE*
  • 1% on all other spends
  • No maximum limit on total cashback earned
  • ‘Buy 1 Get 1 Free’ movie tickets at VOX Cinemas across the UAE
  • Complimentary HSBC Entertainer App to enjoy over 10,000 ‘Buy 1 Get 1 Free’ offers across dining, leisure, retail and wellness, including over 260 delivery offers

The Emirates NBD Visa Infinite Credit Card is one of the best credit cards that provide a wide range of amazing benefits, personal privileges, modified services, and amazing offers to suit one’s lifestyle. This Emirates NBD credit card stands out from the rest due to its incomparable benefits and features.  Best of all, it offers “Plus Points” that can easily be redeemed against air tickets, annual fee waiver, and cashback.

Rate – 2.99%

Minimum Salary – AED 30,000

Annual Membership Fee – AED 1,500

Features & Benefits
  • Get unlimited access to over 1,000 premium airport lounges, 1 complimentary guest
  • Dining discounts of up to 30% at over 2000 restaurants across UAE under the Emirates NBD Bon Appetit program
  • Get 3% discount on air tickets and up to 7% discount on holiday packages through the Emirates NBD Travel Desk
  • Get 1 complimentary round of golf a month at 5 locations around the UAE
  • Pay using your Emirates NBD installment plan at low interest rates
  • Get facilities such as free multi-trip travel insurance, purchase protection, extended warranty, credit shield, free 24/7 roadside assistance
  • Get 4 complimentary valet parking and concierge services
  • 4 complimentary Airport Transfers a year
  • Discounts and offers in 3,100 locations
  • Automatic Salik Top up

Citibank Cashback Credit Card offers a wide array of mind-blowing benefits and rewards such as Buy One Get One movie tickets, dining discounts, travel rewards etc. In case the applicant applies for Citibank Cashback Credit Card Online, they can get rewarded up to AED 1,500 in case they fulfil the minimum spending requirements. The cardholder can spend it as per their preference.

 

Rate – 3.25 %

 

Minimum Salary – AED 8,000

 

Annual Membership Fee – Free For Life

Features & Benefits
  • No Minimum spend is required for cashback rewards on this card.
  • Receive 3% cashback on International Spends, 2% on Grocery/Supermarket Spends, and 1% on all other spends.
  • Cashback earned is credited automatically every month.
  • No cashback earn caps.
  • Up to 20% discount at select restaurants.
  • Unlimited complimentary access to 850+ airport lounges worldwide for primary and supplementary cardholders.

This credit card provides its cardholders with top-of-the-line travel rewards and incentives to meet all of their travel needs. It also entitles cardholders to the Miles Up loyalty scheme, which allows them to collect Miles Up points on all of their purchases and redeem them for a variety of things like travel and hotel bookings, electronic goods, and gift vouchers.

 

Rate – 3.33%

 

Minimum Salary – AED 6,000

 

Annual Membership Fee – AED 525

Features & Benefits
  • Earn 5x Miles Up on flights
  • Earn 5x Miles Up on hotels bookings
  • Earn 5x Miles Up on international spends
  • Earn 1.5x Miles Up on all other spends
  • Earn Up points that never expire
  • Redeem Miles Up on flights, hotels, gadgets and more
  • Enjoy discounts on dining, leisure & more with the Deem Offers app
  • Complimentary Valtrans valet parking service
  • Supplementary Credit Cards
  • Up to 20% discount on Careem rides
  • Discounts on Cleartrip
  • Access to 1100+ airport lounges
  • Up to 25% off on Avis car rentals, worldwide

This Standard Chartered Credit Card is an ultimate cashback card that offers a maximum cashback of 10 percent on daily expenses, shopping at supermarkets, utility bills, and school fees. This platinum card also offers discounts on travel, hotels, shopping and more. The best part about the platinum credit card is that its benefits are not just limited to cashback.

 

Rate – 3.33%

 

Minimum Salary – AED 5,000

 

Annual Membership Fee – AED 525

Features & Benefits
  • Costa Buy 1 Get 1 Free
  • (3) 20% discount Careem rides per month
  • Unlimited and complimentary access to over 20 local and international lounges
  • Up to 10% off Hotels.com
  • 30% off travel
  • Get discounts on holiday packages

Enjoy up to 10% cashback on everyday spends, automatic credit of cashback every month, Citi claims the Ultima to be the air miles card that offers the best skyward miles rate every time you use your card for any spend. The annual membership fee for the Ultima card is AED 3,000

 

Minimum Salary – AED 36750

 

Annual Membership Fee – AED 3000

Features & Benefits
  • For every US$1 spent on tickets purchased with Emirates, you are entitled to earn 2.5 skyward miles.
  • For every US$1 foreign spend, you are entitled to earn 1.5 skyward miles.
  • For every US$1 spent locally, you are entitled to earn 1 skyward mile.
  • Airport lounge access
  • Supplementary cards
  • Complimentary golf access
  • Dining perks
  • Travel insurance

The Platinum card is designed to enrich your global lifestyle, anywhere in the world. The annual fee charged for this card is AED 2,700. Every time you use your card, you are entitled to earn membership rewards. For every AED 4 spent, you earn 1 membership reward. These rewards can be accumulated and redeemed across a variety of airlines.

 

Minimum Salary – AED 21300

 

Annual Membership Fee – AED 700

Features & Benefits
  • Free Wi-Fi services with Boingo
  • Complimentary priority pass
  • Comprehensive travel insurance

There is no minimum spend criteria; 10% cashback on etisalat & du spends; 5% cashback on eletronics store purchases, 1% cashback on all other spends; Easy Payment Plans; Balance Transfer Facility.

 

Rate – 3.35%

 

Minimum Salary – AED 5,000

 

Annual Membership Fee – AED 299

Features & Benefits
  • Earn up to 10% cashback on supermarket, education, dining & telecom
  • The card comes with an embedded Nol chip
  • 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Auto top-up facility on Salik and Nol
  • Gold Class Cabin access
  • Complimentary access to 1000+ lounges globally for the cardholder (via Lounge key)
  • Mazaya Offers Programme
  • 8% discount on hotel bookings made at Hotels.com
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Two complimentary rounds at Arabian Ranches or Meydan Golf Course
  • Balance transfer facility
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Cash-On-Call facility (upto 80% of your credit limit) through 24/7 phone banking service
  • Extended warranty & purchase protection on purchases made on the card
  • Medical & Legal referral assistance
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

No need to wait for physical card delivery for your purchases any more. As soon as your card is approved (this normally takes 2-3 hours), a starter limit of AED 2,000 will be assigned and your card details will be shared with you electronically. As soon as you receive the card details, you can start shopping with the card.

 

Rate – 3.45%

 

Minimum Salary – AED 10,000

 

Annual Membership Fee – AED 0

Features & Benefits
  • 3.5% cashback on noon spends
  • 1% cashback on noon Daily spends
  • 1% cashback on other spends 
  • Free delivery on noon express 
  • Complimentary buy 1 get 1 offers

 

best air miles credit cards in uae

Air Miles Credit Cards in UAE

Air miles, also referred to as travel points or frequent flyer miles, are a type of loyalty program provided by credit cards that offer air miles. The cardholder, in theory, accumulates a set number of air miles based on how much they spend on the credit card, which can then be redeemed for free flight tickets. In the United Arab Emirates, there are two types of air miles credit cards. Airline Miles, which are airline-specific reward miles, and Airline ME, which are not tied to any particular airline and can be redeemed in a variety of ways.

Top Air Miles Credit Cards in UAE

BankCredit Card NameAnnual Fee (AED)Minimum Salary (AED)
DeemDeem Mastercard World Miles Up50025000
Emirates IslamicEmirates Islamic Bank Skywards Signature70010000
RAKBANKRAKBANK Emirates Skywards World Elite70025000
FABFAB Etihad Guest Infinite Islamic250030000
Emirates NBDEmirates NBD Skywards Signature70015000

Earn 5X Miles Up on Daily Spends with Deem Finance Miles Up card

Apply for The Best FREE FOR LIFE Cashback Credit Card in The UAE from Us and Get Amazing rewards as joining bonus 🤩

✈ 5x miles up on daily spends!
✈ Complimentary valet parking service
✈ Access to 1,100+ airport lounges around the world
✈ Travel Inconvenience Insurance and Travel Medical Insurance
✈ 20% discount on Careem rides every month
✈ Up to 25% on Avis car rentals worldwide
✈ No Annual Payment
✈ Up to 30% discount with Cleartrip
✈ Complimentary Nights at Marriott Bonvoy hotels around the world

Apply Now 💳 https://bit.ly/3cVdU2L

 
best cashback credit cards in uae

Cashback Credit Cards in UAE

Cashback credit cards repay cardholders in cash for a portion of their purchases or transactions. The bank compensates the cardholder for purchases made with a credit card by providing cashback incentives. However, the amount of cashback varies from one credit card to the next, depending on the type of purchases made, monthly caps, and minimum spend requirements.

Earn Up to 10% Cashback on Daily Spends With Deem Finance Cash Up Card

Apply for The Best FREE FOR LIFE Cashback Credit Card in The UAE from Us and Get Amazing rewards as joining bonus 🤩

📍 Up to 10% cashback on Fuel, Groceries, Utility Bills, Entertainment Spends and other daily spends!
📍 Up to 30% discount on Careem, Avis, Hertz and Cleartrip bookings.
📍Over 1,100 VIP airport lounge access around the world.
📍Free valet parking services across the UAE
📍Free nights at Marriott Bonvoy Hotels
📍Free Travel & Medical Insurances

Apply Now 💳 https://bit.ly/3zAKQHm

 

Top Cashback Credit Cards in UAE

BankCredit Card NameAnnual Fee (AED)Minimum Salary (AED)
MashreqMashreq Bank Cashback CardFree for Life10000
DeemDeem World Cash UpFree for Life6000
FABFAB Cashback Card3155000
CitibankCitibank Citi Cashback Card3008000
ADCBADCB SimplyLife Cashback CardFree for Life5000
ADIBADIB Cashback Visa Platinum100010000
best free for life credit cards in uae

Free For Life Credit Cards In UAE

While many luxury credit cards in the UAE require an annual membership fee, there are a number of quality credit cards that provide significant benefits and rewards without requiring an annual membership fee for the rest of your life. Free for life credit cards or lifetime free credit cards are two terms for the same thing.

Top Free For Life Credit Cards in UAE

BankCredit Card NameAnnual Fee (AED)Minimum Salary (AED)
ADCBADCB SimplyLife Cashback CardFree for Life5000
ADIBADIB Value CardFree for life5000
MashreqMashreq Bank Cashback CardFree for life10000
Emirates IslamicEmirates Islamic Emirati CardFree for life5000
DeemDeem Mastercard Platinum Miles UpFree for Life10000
best airport lounge access credit cards in uae

Airport Lounge Access Credit Cards in UAE

Airport lounge access credit cards can be useful regardless of the reason for travel. Several credit cards are available in the UAE that provide cardholders with free access to airport lounges where they can relax and unwind before flying.

 

Top Airport Lounge Access Credit Cards in UAE

BankCredit Card NameAnnual Fee (AED)Minimum Salary (AED)
MashreqMashreq Bank Solitaire150025000
DeemDeem Mastercard Titanium Cash Up2006500
Emirates IslamicEmirates Islamic Bank Flex Elite70025000
FABFAB Cashback Card3155000
CitibankCitibank Emirates Citibank Ultima300036750
best balance transfer credit cards in uae

Balance Transfer Credit Cards in UAE

A balance transfer credit card allows a cardholder to move high-interest debt from one credit card to another at a lower rate of interest. By paying off the outstanding debt with a credit card that offers a balance transfer facility, the cardholder can save a lot of money on the high rate of interest.

Top Balance Transfer Credit Cards in UAE

BankCredit Card NameAnnual Fee (AED)Minimum Salary (AED)
CBDCBD Super Saver4208000
Emirates NBDEmirates NBD Lulu Mastercard TitaniumFree for Life5000
FABFAB Elite InfiniteFree for Life40000
HSBCHSBC Zero Credit CardFree for Life10000
United Arab BankUnited Arab Bank Visa Titanium3006000
best travel credit cards in uae

Travel Credit Cards in UAE

Frequent travelers are well aware of how costly it is to cover all travel expenses. Travel costs, from plane tickets to hotel reservations, can be very high at times. Some banks and financial institutions offer travel credit cards that are specifically designed for frequent travelers, taking into account their needs.

Top Travel Credit Cards in UAE

BankCredit Card NameAnnual Fee (AED)Minimum Salary (AED)
ADCBADCB Traveller Credit Card105020000
DeemDeem Mastercard Titanium Cash Up2006500
Standard CharteredStandard Chartered Platinum5258000
CBDCBD Smiles Visa Platinum366.458000
RAKBANKRAKBANK Mastercard World75020000
best credit cards that gives cinema offers

Cinema Offers Credit Cards In UAE

After a long week at work, who doesn’t like going to the movies? What better way to enjoy this than by receiving free movie tickets or discounts on movie ticket purchases? Some credit card lenders or banks in the UAE have partnered with cinemas such as VOX cinema and Reel Cinema to reward their customers by providing great discounts and offers such as complimentary movie tickets, discount on tickets as well as refreshments. Getting cinema offers credit cards especially for a movie lover is not less than a treat since it is a smart way to save money on movie tickets.

Top Cinema Offers Credit Cards in UAE

BankCredit Card NameAnnual Fee (AED)Minimum Salary (AED)
Emirates Islamic BankEmirates Islamic Bank Etihad Guest Platinum1998000
FABFAB Cashback Card3155000
CitibankCitibank Citi Prestige Card150030000
CBDCBD Super Saver4208000
Standard CharteredStandard Chartered Bank Manhattan Platinum5258000
best credit cards for golf benefits

Golf Credit Cards In UAE

The United Arab Emirates has some of the world’s best golf courses, and golf has evolved into more than a sport in the country. It’s no surprise that the majority of banks and financial institutions offer golf credit cards with benefits for clients who play golf part-time or full-time.

Top Golf Credit Cards in UAE

BankCredit Card NameAnnual Fee (AED)Minimum Salary (AED)
MashreqMashreq Bank Solitaire Card150025000
Emirates IslamicEmirates Islamic Bank Skywards Signature70010000
CitibankCitibank Emirates Citibank Ultimate80018000
Standard CharteredStandard Chartered Bank Manhattan Platinum5258000
Emirates NBDEmirates NBD Skywards Signature70015000

 

What is a credit card in UAE?

Credit cards are the most widely used financial tool; they provide cardholders with a pre-determined credit limit that they can use to pay for transactions without having to pay cash or write a check. The card issuer banks and financial institutions determine the credit cap based on the customer’s credit score and monthly profits.

How to Check Credit Card Eligibility In UAE?

To be eligible for a credit card in the UAE, you must meet the following requirements:

  • 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

How to use a credit card in 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.

A checklist for selecting the best credit card in UAE

 

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

Which credit card is the best in the UAE?

Which credit card is the best in the UAE? Honestly! There is no one-size-fits-all best credit card; the best credit card for you is determined by your individual circumstances, credit score, spending habits, lifestyle, and financial objectives. To help you select the best credit card in UAE for you, we’ve compiled a list of the top 5 best credit cards in UAE for each big category, including cash back, movies, balance transfers, travel rewards, airport lounges, and much more.

Here are our recommendations for the best credit cards in the UAE. In all groups, Banks that issue credit cards provide rewards on transactions made with the card. Here is a list of the best credit cards in the UAE for cashback, travel rewards, movie deals, Airmiles points, grocery shopping, and balance transfer offers.

Best Cash Back Credit Cards In UAE

Cash back credit cards are fairly straightforward– they are cards that allow you to earn cash when spending on your favorite activity. The top 5 cash back credit cards in the UAE are mentioned below.

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

Best Balance Transfer Credit Card In UAE

Transferring the balance When you move your one credit card outstanding balance to a new credit card, you can get a low or no interest rate. You can also merge balances from all other cards into one card for a single monthly payment EMIs and clear your credit card debt quickly. The best balance transfer cards in UAE are described below.

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

Best Credit Cards For Grocery Shopping In UAE

Grocery Shopping Credit Cards in UAE are co-branded credit cards sold by some of the UAE’s most well-known supermarket chains, such as Carrefour, Lulu, Union Coop, and others. It provides high rewards and cash back on everyday grocery purchases. Here are our top picks for the best grocery shopping credit cards in UAE.

  • Najm Platinum Plus Credit Card  – Carrefour Shopping
  • 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

Best Credit Card in UAE for Cinema/ Movie Offers

Many credit card companies give Buy One Get One Movie ticket deals at top cinemas like VOX, Novo, and Reel Cinemas. Since one free ticket will mean a new movie every week, check out our choice for the Best Cinema Credit Cards in UAE.

Best Free For Life Credit Card in UAE (No Annual fees)

No annual fee credit cards are also known as free-for-life credit cards. Credit cards are free to carry, and you will never be charged an annual fee. We have compiled a list of the top 5 credit cards with no annual membership fees in the UAE for your convenience.

  • 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

Benefits of Credit Cards in UAE

The following are some of the most commonly offered Benefits of credit cards in UAE

Cash Back: The cardholder earns loyalty points every time they use this card to make a purchase. These reward points can then be exchanged for cash, which is deposited into their account immediately. Cashback is available on some credit cards in the UAE. These cash back cards give you money back for any purchase you make with the card. The applicant should keep these card-specific advantages in mind when comparing credit cards in the UAE.

Air Miles: Air miles are the most valuable feature available with these plastic cards for cardholders who fly often, whether for business or pleasure. Some of the best credit cards in the UAE offer you air miles for every dollar you spend (which is usually higher on foreign currency).These miles can be used to book flights, upgrade airline tickets from economy to business or business to first-class, and even shop at some locations.

Airport Lounge Access: With such credit cards, the cardholder may spend their time waiting at an airport in comfortable lounges located in thousands of locations. Depending on which credit card the cardholder has chosen, they may be allowed to carry a guest along as well. The cardholder should compare credit cards to find the best one for them, one that provides lounge access to a nearby airport, since this is the one that will be used the most.

Offers at the movies: Several credit cards have “buy one, get one free” schemes for cardholders. It allowed the cardholder to get free movie tickets. The card gives the cardholder who is a frequent moviegoer special benefits. Before applying for a credit card via the bank’s website, the applicant can review the benefits offered in detail on the individual product page and compare credit cards.

Golf Benefits: The United Arab Emirates is host to some of the world’s most beautiful golf courses. The cardholder will take advantage of golf rewards by choosing the gold benefits credit card. They can navigate the manicured greens at popular golfing locations around the country depending on the type of card they have. 

Travel Benefits: For a frequent traveler, the best credit card is one that provides travel benefits. Starting with cashback on hotel reservations all over the world, these credit card rewards often allow cardholders to earn loyalty points overnight on hotel stays and take advantage of exclusive discounts on international events and cuisine. Discounted car rentals and free travel insurance are also possible travel advantages.

Rewards & Offers: Many credit cards in the UAE offer an incredible range of payment choices and highly flexible reward systems, ranging from discounts on high-end gourmet meals to deals on furniture and grocery shopping. These benefits and deals are also revised on a regular basis to ensure that cardholders get the most out of their cards. The cardholder will use the reward points to pay for the credit card’s annual membership fee if they wish. 

Security Advantage: Early warning fraud detection systems are a must for any bank in order to track and secure all issued credit cards in the UAE. The majority of banks also have a no-fault scheme on missing credit cards. It guarantees that the cardholder is not responsible for charges incurred as a result of lost or stolen cards.

Purchase Insurance: Purchase protection is available on a limited number of credit cards. These cards provide compensation for new transactions in the event that an item is damaged or stolen within a certain time frame after purchase. According to the bill, the damaged or stolen item is either substituted or reimbursed for its full value

Eligibility Criteria For Credit Cards In UAE

The following factors will influence an applicant’s ability to qualify for a credit card in the UAE:

  • 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.

How to Apply for a Credit Card in UAE?

The applicant may apply for a credit card either in person at a preferred card provider’s branch or online via the bank’s website (if available). The easiest way to choose the correct plastic card is to compare them online, where you can even compare credit cards. The easiest and quickest way to apply for a credit card is online, where the applicant can receive additional deals from the banks.

Here is a list of the documents that you need to hold while applying for a credit card in UAE

  • 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.

How Can Applying with www.bankbychoice.com Help?

Applying for a credit card in the UAE can take a long time, particularly because different cards offer similar rewards and interest rates. BankByChoice assists the applicant in saving time and deciding on the best card for them. Here are some reasons why they should start their research with bankbychoice.com

  • 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.

 

BankCredit Card NameMinimum Salary Requirement (AED)Annual Fee (AED)Key Features
ADCBADCB Islamic Gold Credit Card8,0000Air Miles & Islamic Finance
ADIBADIB Cashback Platinum Credit Card5,0000Cash Back, Free Roadside Assistance & Islamic Finance
UABUAB Platinum Credit Card10,0000Airport Lounge Access, Cinema offers & Gold benefits
ENBDEmirates NBD Infinite Credit Card30,0001,500Airport Lounge Access, Credit Shield, Gold benefits & Travel Insurance
ENBDEmirates NBD Platinum Credit Card10,000199Cinema Offers, Dining discounts & Travel Insurance
ENBDEmirates NBD Skywards Infinite Credit Card30,0001,500Air Miles, Airport Lounge Access, Credit Shield & Travel Insurance
ENBDEmirates NBD Go4it Credit Card5,00099Airport Lounge Access, Cinema offers & Dining discounts
ENBDEmirates NBD Titanium Credit Card5,000400Airport Lounge Access, Credit shield, Free roadside assistance & Gold benefits
CITICiti Simplicity5,0000No annual fee, late payment fee, cash advance fee or over limit fee, ever.
CITICiti Cash back Credit Card8,0000*- 300Unlimited, Automatic Cashback on all Spend
CITICiti Rewards8,0000- 300Airport Lounge Access, Cinema offers, Rewards
CITICiti Premier15,0000-750Fly for free, 1000+ Airport Lounges, Cinema
CITICiti Prestige30,0001500Air Miles, cash bank, Hotel Discounts, t AED 1,000 welcome offer
CITIEmirates-Citibank Gold Credit Card12,0000-400Skyword Points, Free Travel Insurance
CITIEmirates-Citibank Ultimate Credit Card18,000800Air Miles, Airport Lounge Access, Free Shopping vouchers, Gold Benefits & Hotel Discounts
CITIEmirates-Citibank Ultima Credit Card36,7503,000Air Miles, Airport Lounge Access, Free Shopping vouchers, Gold Benefits & Hotel Discounts
FABFAB Masdar Credit Card8,000550Air Miles, Cash back & Valet parking
FABFAB Abu Dhabi Platinum Card12,0000Airport Lounge Access, Gold benefits, Hotel discounts & Valet parking
FABFAB Platinum Card8,000550Airport Lounge Access, Cash back, Cinema offers, Gold benefits & Valet parking
FABFAB Ferrari Signature Credit Card12,0000Cinema Offers, Travel Insurance & valet parking
MashreqMashreq Platinum Elite Credit Card7,000600Cash Back, Dining discounts, Gold benefits & Travel Insurance
MashreqMashreq Etisalat Credit Card5,0000Air Miles & Free shopping vouchers
MashreqMashreq Gold Credit Card5,0000Credit Shield, Dining discounts, Hotel discounts & Internet banking
MashreqMashreq Classic Credit Card5,0000Credit Shield, Hotel discounts & Internet banking
Emirates IslamicEIB RTA Gold Credit Card5,000125Islamic Finance, Credit Shield & Travel Insurance
Emirates IslamicEIB Skywards Infinite Credit Card25,000950Air Miles, Airport Lounge Access, Credit Shield, Islamic Finance & Travel Insurance
Emirates IslamicEIB Skywards Gold Credit Card5,000400Airport Lounge Access, Credit Shield, Islamic Finance & Travel Insurance
Emirates IslamicEIB Skywards Platinum Credit Card5,000700Airport Lounge Access, Gold benefits, Islamic Finance & Travel Insurance
     
Standard Chartered BankSCB Infinite Credit Card35,0000Access to Fitness Clubs, Dining discounts & Gold benefits
Standard Chartered BankSCB Titanium Credit Card10,0000Cash Back, Cinema offers & School discount
HSBCHSBC Premier Credit Card15,0000Cinema offers, Air Miles, Dining discounts, Valet parking & Travel Insurance
UNBUNB Titanium MasterCard Credit Card8,0000Airport Lounge Access & Free Roadside Assistance
RAK BankRAKBANK Géant La Carte Credit Card5,0000Dining Discounts & Travel Insurance
RAK BankRAKBANK NMC MasterCard5,0000Cash Back, Dining discounts & Travel Insurance
RAK BankRAKBANK Titanium Credit Card10,0000Cash Back & Travel Insurance
Deem financePlatinum Credit Card – CashUp5,0000CASH BACK Rewards
HSBCZero Credit Card5,0000No annual fee, No over limit fee, No cash advance fee,

Frequently Asked Questions

What is the difference between rewards and cash back on credit cards in uae?

The Rewards Credit Card gives you points based on how much you swipe your credit card. The Cashback Credit Card, on the other hand, rewards you with a percentage of your purchase as cashback. The most basic type of cashback is 1% of the purchase price. You can either pay off your annual payments with the cashback or have it deposited into your account. The NAJM cashback Platinum Credit Card is one of the best cashback cards in the UAE. You will get discounts on shopping and eating, as well as gift cards, with the Rewards Credit Card. The Citi Prestige Credit Card is one of the best rewards credit cards in the UAE.

Do credit cards also offer travel benefits?

Travel credit cards are credit cards that are specifically designed for travel benefits. This credit card is designed for frequent travelers. A cardholder who uses the travel credit card earns air mile points for every AED spent. Not only that, but the travel credit card also has lifestyle advantages. Discounts on shopping and dining, as well as discounts on hotels and airline fares, are some of the other advantages of the travel credit card. The cardholder has access to airport lounges as well. There are some additional advantages as well.

Do all credit cards feature an annual fee and joining fee?

No, not all credit cards charge an annual fee as well as an application fee. Many financial institutions in the UAE have recently begun to sell credit cards that are free for life. Those credit cards that are free for life, on the other hand, have limited benefits and rewards. Annual fee credit cards, on the other hand, provide more perks and incentives. Monthly interest rates are also attached to all credit cards.

How will I be able to own a credit card without paying any interest?

The majority of credit cards have a no-interest period of 50 to 55 days. If you are able to pay off the entire balance due during this period, you will not be paid any interest.

Can I get cashback on cash withdrawal?

No, most credit card companies do not offer cashback on cash withdrawals.

Will missing credit card payments make me lose the cashback earned in uae?

Yes, indeed. If you don’t pay your credit card bills on time, you risk losing your cashback.

Do I get cashback on international transactions in uae?

It is decided by the card. You will get if your card claims to give cashback on overseas purchases.

What can I do in a situation where I am struggling to make the minimum payment due on my credit card in uae?

In this case, you can schedule a meeting with a bank executive and explore the options open to you with them. You may be able to turn the remaining balance on your card into a loan in order to pay it off faster and at a lower interest rate. If you are able to do so, cut up your card and never use it again.

What does a Credit Card Balance Transfer mean in uae?

A credit card balance transfer occurs when the balance from one credit card account is moved to another credit card account. When the balance transfer is complete, the cardholder will no longer owe any money to the initial credit card company; instead, the debt will be owed to the second credit card company. Here’s where you can learn more about balance transfer credit cards.

Will I be able to use my credit card abroad?

In general, you can use your credit card to make transactions outside of the United States, but with all of the limitations that apply when using it domestically. Since you could be charged a foreign transaction fee based on a percentage of the transaction’s value, using cash wherever possible is the best choice. Keep in mind that in some situations, even though you’re sitting at home, these fees apply to transactions made in foreign currency. For example, if you buy anything online and pay in dollars, you can be subject to international transaction fees; check with your bank if you have any doubts.

What can I use my credit card for?

Credit cards can be used almost anywhere and at any time. They can be used to shop online, in stores, and over the phone. However, bear in mind that not all credit cards are approved by all merchants. Since some banks which charge a high handling fee to businesses, many of these establishments may refuse to accept purchases made with these banks’ cards.

If my credit score is poor, can I still get a credit card?

If you have a small or low credit record, you can have difficulty finding the best credit card offers. In certain circumstances, your application will be completely refused, and you will be unable to obtain a traditional credit card. In such circumstances, you should choose a credit card with credit-building features. Since these credit building cards have a high APR and a low credit cap, you will be able to improve your credit score over time if you continue to use them. This, in turn, would improve your credit scores in the future, allowing you to get better credit. Check out some of the most popular credit score myths.

What does my credit rating mean?

Your financial footprints are your credit scores. Credit scores keep track of all of the previous credit, loan, and other product transactions. All of your late and missing payments have a negative impact on your credit score. This includes unpaid payments for subscriptions, utility bills, and library fees, among other things. Any of the credit-checking companies operating in the UAE will easily provide you with your credit score. If you have a credit or loan history that is either non-existent or minimal, your credit rating will suffer as a result. When you apply for a credit card, or any type of loan for that matter, your credit rating will be evaluated.

Do I need to pay interest on all purchases that I make using my credit card?

You won’t be paid any fees if you pay off your credit card balance in full per month. Interest will be charged if you do not pay the balance in full. If you have a credit card with a zero percent introductory interest period, you will not have to pay any interest until you make the minimum monthly payment for that period.

How can I know the credit limit other such information about my credit card?

A description box of the credit card is included in the documentation relating to each credit card. The overview box contains all pertinent details about your credit card, including the APR, credit cap, and a detailed rundown of all reward plans and fees associated with the card. While the summary box contains all of the information you can need, if you are unable to locate any information, you may contact your bank, who will be able to assist you.

How much time will it take for me to apply for and receive a Credit Card?

When it comes to applying for a credit card online, it just takes a few minutes. When you have completed the online application process and submitted it, you will be contacted by bank executives who will ask you to submit a few supporting documents. It will take two weeks for your application to be processed after the bank receives your completed application form along with the necessary documents. If all of your documents are correct, the application is accepted, and the bank completes all of the necessary documentation, your new credit card will be sent to you within seven working days.

What is the difference between a credit card and a debit card?

Simply put, a credit card allows you to spend credit funds that must be repaid at a later date set by the bank, while a debit card is linked to a bank account and allows you to spend funds already in the account. In terms of intended use, debit cards must be used for both in-store payments and cash withdrawals, while credit cards must be used for the latter. However, cardholders may make a limited number of cash withdrawals with credit cards (known as a cash advance), albeit at a high cost.

 

Apply for a Mashreq Credit card & Get up to 2000 AED joining bonus

Avail up to 20% Cashback on daily spends! Simply apply with your Emirates ID