Best Credit Cards in UAE

Apply for a credit card online in UAE from us and get up to AED 1000 cash reward as welcome 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 cards in UAE.

The Best Credit Cards Of
jANUARY 2024

 

BEST CASHBACK CARDS BEST AIR MILES CARD

Guaranteed Cashback

Mashreq Cashback Card

Apply for a cashback reward card and enjoy unlimited offers.

AED 1000 welcome bonus

Cashback on daily spends

Cashback on local/ Intl. spends

Cashback on fuel & utility bills

No annual fee

 

deem miles up card- Bankbychoice

Deem Miles Up Card deem world cashup credit 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 currently offers several types of credit cards, with benefits on daily expenses such as entertainment, dining and utility bill payment to international travel, VIP privileges and much more. Hit apply to avail the offers

 

Mashreq Cashback Credit Card

The Mashreq Cashback Credit Cards 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.

Minimum Salary – AED 5000

Annual Membership Fee – Free For Life

Features & Benefits
  • No annual fee
  • AED 1000 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
  • Instant cashback redemption
  • Up to 55 days interest free period
  • Complimentary travel offers

Aafaq Platinum Credit Card

The Aafaq platinum Credit Card is a super card that has been meticulously crafted and thoughtfully conceptualized to meet the needs and demands. Enjoy a rewarding experience with your Aafaq Credit Card with a wide range of exclusive and exciting privileges to full-fill your needs.

Minimum Salary – AED 5000

Annual Membership Fee – Free for Life

Features & Benefits
  • No Joining Fee
  • No Late Payment Fee
  • No Overlimit fee
  • 20% Discount on Careem
  • 20% Discount on Avis Rental Car
  • 90% Balance Transfer Facility
  • 90% Finance on Phone Facility
  • Cashback on booking.com
  • Rewards & Benefits on Domestic Spends
  • Airport Lounge Access
  • Supplementary card for Family

Aafaq Titanium Credit Card

The Aafaq platinum Credit Card is a super elite card that has been meticulously crafted and thoughtfully conceptualized to meet the needs and demands. With the credit card’s extensive benefits and rewarding structures, cardholders are able to save with every spending.

Minimum Salary – AED 5000

Annual Membership Fee – AED 200 From 2nd year*

Features & Benefits
  • 20% Discount on Food or Grocery in Talabat
  • 25% Discount on Hala Taxi
  • 15% Discount on IHG Hotels & Resorts
  • 25% off on FIIT to acheive your fitness goals
  • 90% Balance Transfer Facility
  • 90% Finance on Phone Facility
  • Cashback on booking.com
  • Exclusive access to dining, travel, and entertainment with priceless from Mastercard
  • 2% and 1% Cashback on International / Local Spends
  • Airport Lounge Access

Mashreq Platinum Credit Card

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.

Minimum Salary – AED 7,000

Annual Membership Fee – AED 650

Features & Benefits
  • AED 1,500 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.

Mashreq Solitaire Visa Card

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 2500 as a joining bonus
  • 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
  • Complementary Marhaba Silver Meet & Greet Services
  • Premium Dining privileges
  • 50% discount on movie tickets
  • Valet Parking Services
  • Car Registration and Servicing Pick up and Drop
  • Customized Loyalty Solution with Salaam points
DIb- cashback card

Best Credit Card in uae for shopping 

Dubai Islamic Consumer Cashback Reward Card

The more you spend on your DIB Consumer Cashback Reward Card, the more cashback you receive.

Minimum Salary – AED 8000

Annual Membership Fee – AED 150 From 2nd year*

Features & Benefits

You can save more every time you spend with guaranteed cashback of up to 3% on daily spends

  • 3% Cashback on Supermarket & Hypermarket Purchases
  • 3% Cashback on Etisalat, Du, Fuel & Utility Bill Payments
  • 3% Cashback on Automobile Servicing and school fees
  • Complimentary Roadside assistance
  • Dining Discounts up to 30% at 200+ restaurants
  • Easy payment plan & Balance transfer facility
  • No minimum spend required

 

DIB platinum card

Best Credit Card in uae for bill payments

Dubai Islamic Platinum Credit Card

Dubai Islamic Bank offers this card. With the help of the Department of Economic Development, Customers can use this card for For supermarkets & hypermarkets purchases, bills, fuel and more

Minimum Salary – AED 15000

Annual Membership Fee – AED 200 From 2nd year*

Features & Benefits

You can save more every time you spend with guaranteed cashback of up to 4% on daily spends

  • 4% Cashback on Supermarket & Hypermarket Purchases
  • 4% Cashback on Etisalat, Du, Fuel & Utility Bill Payments
  • 4% Cashback on Automobile Servicing and school fees
  • Complimentary Roadside assistance
  • Dining Discounts up to 30% at 200+ restaurants
  • Easy payment plan & Balance transfer facility
  • No minimum spend required

 

Deem Cash up Master Card

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 25000

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
  • 3% Cash Up on international spends
  • 1% Cash Up on local spends
  • 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
  • Supplementary Credit Cards
  • 20% discount on Careem
  • Access to 1100+ airport lounges
  • Up to 25% on Avis car rentals worldwide
  • Deem Double Secure
  • Free for life
citi simplicity credit card

Best Free For Life Credit Card 

Citi Simplicity Credit Card

There are no annual fees, late fees, cash advance fees, or overlimit fees with the Citi Simplicity Credit Card.
It’s made to be simple to use while also meeting your basic financing needs. There are fewer terminology, thus there is less of a hassle.

Minimum Salary – AED 5000

Annual Membership Fee – AED 0

Features & Benefits
  • Balance transfer at 0% rate of interest for 6 monthly instalments. One time processing fee of only 3% of the Balance Transfer amount. No pre-closure fee. 6 to 48 months BTF plans also available.
  •  Access to select airport lounges across the Middle East
  • Over 500 dining & entertainment discounts
  • Quick Cash: instant cash at a click of a button
  • PayLite: turn any big purchases into small payments
  • Complimentary supplementary cards for your family members
Emirates islamic expo credit card

Best Credit Card for EXPO 2020 

Emirates Islamic Expo Card

There are no annual fees, late fees, cash advance fees, or overlimit fees with the Citi Simplicity Credit Card.
It’s made to be simple to use while also meeting your basic financing needs. There are fewer terminology, thus there is less of a hassle.

Minimum Salary – AED 5000

Features & Benefits

50% cashback on EXPO 2020 ticket

Valet Parking Service at EXPO Site

Enjoy an exclusive bonus of AED 200 statement credit with the Expo Credit Card.

10% Cashback on fuel spends

Complimentary unlimited access at over 900 lounges worldwide

enjoy a welcome bonus of 5,500 Uby Emaar Upoints.

Enjoy two rounds of complimentary golf per month 

lulu credit card- Bankbychoice

Best Credit cards in uae for retail spends at LULU 

Emirates NBD LULU Credit Card

Earn up to 3.5% back as LuLu Points on your daily spends and with no minimum spend requirement, you will always be rewarded.

Minimum Salary – AED 5000

Features & Benefits

The advantages of this card are as follows:

  • Earn up to 3.5% back as LuLu Points on your daily spends.
  • Earn 3.5% on LuLu in-store and online spends
  • Earn 2% on fuel spends
  • Earn 1% on utility bill payment
  • Earn 0.35% on all other spends

Welcome offers :

  • 0% Balance Transfer
  • Free Amazon Prime Membership
ADIB cashback card- Bankbyhcoice

Best credit card in uae for islamic cashback 

ADIB Cashback Visa Platinum Credit Card

This credit card comes with a very low-interest rate of 2.99%. You only require a minimum salary of AED 5000 with no annual fee for the first year whatsoever.

Minimum Salary – AED 5000

Features & Benefits
  • Cash withdrawal up to 100% of your credit limit
  • Unlimited times 1% cashback on all spends done with this card
  • No minimum spending amount required to receive cashback from this card
  • SMS alerts for all transactions
  • Access to airport lounges worldwide via Veloce lounge
  • Other facilities such as roadside assistance
  • Valet parking services

Additional features of this credit card include:

  • 4 supplementary cards can be availed with this card
  • Convenience to make your card payments in any of ADIB branches
  • You can transfer your balance at a rate of 3% or for AED 300
  • The annual fee is free for one year and AED 1000 is charged from the second year onwards
  • Free grace period up to 55 days to repay the complete outstanding balance
citi bank ultima card

Best Premium Credit Card 

Citi Bank Ultima Credit Card

Apply for Emirates Citibank Ultima Credit Card and get the best Skywards Miles Earn rate in the market.

Minimum Salary – AED 36750

Features & Benefits
  • Exclusive 100% Metal card
  • Best Skywards earn rate in the UAE (up to 2.5 Skywards Miles per USD)
  • Complimentary Skywards Silver membership (extra baggage and Emirates lounge access in Dubai Airport)
  • 25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
  • Unlimited access to 1000+ airport lounges worldwide for you and 1 guest
  • Complimentary Golf: unlimited on weekdays and 1 free round on weekends per month
  • Buy 1, Get 1 free movie tickets with Reel & Vox cinemas
  • International Concierge
  • Complimentary Marhaba Silver Meet & Greet service
    10. 0% interest instalment plan on tickets purchased online at www.emirates.ae
  • Complimentary Travel Inconvenience & Travel Medical Insurance and much more
HSBC zero credit card- Bankbychoice

Best credit card in uae for Balance Transfer 

HSBC ZERO Credit Card

Get zero interest on purchases for the first 3 months, with zero annual membership fee

Minimum Salary – AED 10000

Features & Benefits
  • Buy 1 – Get 1 Free” movie tickets at VOX Cinemas
  • Free HSBC Entertainer app , over 10,000 ‘Buy 1 Get 1 Free’ offers across dining, leisure, retail and wellness
  • Get up to 30% off at over 400 restaurants across the UAE
  • Get up to 12% off at over 985,000 hotels and vacation rentals worldwide 
  • Balance transfer offersTransfer your outstanding balance from any other credit card in the UAE to HSBC Zero Credit Card at 0.99% interest for 6 months and benefit from zero processing and early settlement fees
manhattan platinum card

Best credit card in UAE for Shopping 

Standard Chartered Manhattan Platinum

At an interest rate of 3.45% and a minimum salary requirement of AED 5000 only, this credit card is one of the best options for people in UAE. The card also comes with a number of other benefits as well.

Minimum Salary – AED 5000

Features & Benefits
  • Buy 1 coffee at Costa Coffee and get 1 for free
  • Earn 1 Rewards point for every 1 dollar spent
  • Get up to 12% discounts on travel bookings through Agoda.com
  • Get up to 20% off at the popular golf clubs
  • Get up to 30% off on bookings made at Timeout Dubai and Timeout Abu Dhabi

Other features of Standard Chartered Manhattan Platinum include:

  • No annual fee is charged for the first year. From the second year onwards, AED 525 is charged.
  • Rewards are offered for everyday spending
ENBD shopping credit cards

Best Credit card in uae for online shopping 

Emirates NBD Webshopper Credit Card

Emirates NBD Webshopper card specifically designed for online shopping to ensures highest security.
For Maximum security, the card number is printed and not embossed on the ENBD webshopper card. So, it cannot be used at POS which require you to swipe/insert the card or at ATMs to withdraw . its specifically designed for internet use.

Minimum Salary – AED 8000

Features & Benefits

It also offer various other benefits like all other credit cards including

1. 0% Interest in online merchant portals

2. 6 to 12 months easy EMI plans3. Up to 55 days interest free period 4. 1 Plus Points for every AED 200 spend. Redeem points at popular merchants frequent flyer points, cashback or annual fee waiver

CBD one visa card

Best Personalized Credit Card 

CBD One Credit Card

CBD One credit card is Great for : Travel, Lifestyle and entertainment, Loyalty Points

Minimum Salary – AED 8000

Features & Benefits

• Choose your credit card design
• Choose your monthly flexible plan offering Cashback* up to AED 500 on New Age Merchants:
• AED 135 Cashback subject to overall spend of AED 5,000 & Monthly Fee of AED 39 or overall spend of AED 8,000 & No Monthly Fee
• Cinema Discounts* : 50% discount on VOX & Reel cinemas tickets• Valet Parking*: complimentary parking at over 30 locations in the UAE.• Airport Lounge Access: complimentary access to over 1,000 airport lounges worldwide.• Complimentary Insurances: Multi-trip travel insurance, purchase protection & extended warranty• Visa Signature Benefits: Unlimited access to Visa Signature Benefits • 0% Easy Payment Plan, Balance Transfer & Quick Cash: available at competitive prices.

 

Types Of Best Credit Cards in UAE

 

Best Air Miles Credit Card 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.

 

Earn 5X Miles Up on Daily Spends with Deem

 

  • 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 Uber 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
 

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
Emirates NBD Emirates NBD Skywards Signature 700 15000
FABFAB Etihad Guest Infinite Islamic250030000

Best 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.

Best Cashback Credit Cards in uae
 

Earn up to 10% Cashback on Daily Spends with Deem Cash Up

 

  • 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
 

Top Cashback Credit Cards in UAE

BankCredit Card NameAnnual Fee (AED)Minimum Salary (AED)
MashreqMashreq Bank Cashback CardFree for Life5000
DeemDeem World Cash UpFree for Life5000
FABFAB Cashback Card3155000
CitibankCitibank Citi Cashback Card3008000
ADCBADCB SimplyLife Cashback CardFree for Life5000
ADIBADIB Cashback Visa Platinum100010000
Best Free for Life Credit Card

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)
MashreqMashreq Bank Cashback CardFree for Life5000
ADIBADIB Value CardFree for life5000
ADCBADCB SimplyLife Cashback CardFree for life5000
Emirates IslamicEmirates Islamic Emirati CardFree for life5000
DeemDeem Mastercard Platinum Miles UpFree for Life10000

Airport Lounge Access Best 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.

Credit Card for Airport Lounge

 

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
Balance Transfer Credit Card

Balance Transfer best 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 best 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

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.

Best Travel Credit Cards in UAE- Bankbychoice

Top Travel best 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
Movie Offer credit Cards

Best 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 best 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 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.

Golf Offer Credit Cards

Top Golf best 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 Best credit cards 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 Best 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 o