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Free For Life Credit Cards In UAE

A variety of credit cards are available from a number of banks and financial institutions, each with its own set of features and benefits. There are a slew of credit cards that charge an annual fee in exchange for a slew of perks. Aside from that, there are credit cards that do not charge an annual fee. Annual fees are the costs that credit card holders must pay to the credit card issuer in order to receive all of the perks and additional privileges. This annual fee will not always be justified by the benefits provided. It only makes sense if the advantages and privileges on offer are greater. People switch to credit cards with no annual fee if the rewards provided by the credit card are not worth paying the annual fee for. Free for life credit cards or lifetime free credit cards are examples of this type of credit card.

Deem Platinum Cash Up

Enjoy up to 10% cashback on everyday spends, automatic credit of cashback every The Deem Finance Platinum Card helps cardholders to live their best lives by allowing them to save money on entertainment and shopping. This Deem Finance Credit Card offers a wide variety of benefits, including shopping, eating, travel, entertainment, and much more, making it appealing to consumers.

Rate – 3.33%

Minimum Salary – AED 10,000

Annual Membership Fee – AED 0

Features & Benefits
  • Free for life
  • Access to 25+ airport lounges in the Middle East and the Levant.
  • Up to 30% discount on roundtrip, international airfare or hotels with Cleartrip.
  • Convenient and affordable international shipping from 100,000+ U.S. retailers with a free 2-year premium MyUS membership.
  • Up to 15% on Avis car rentals worldwide.
  • 20% discount on 3 Careem rides every month.
  • Deem Double Secure which not only covers your credit card outstanding but also provides your nominee with an equal amount.

Citibank Simplicity Credit Card

The Citibank Simplicity Credit Card has proven to be the stand-out all round no annual fee credit card in UAE. It is basically a free for life & low interest credit card which offers an interest rate of 3.5 % of the outstanding amount with up to a 51 day interest free period. If you are that forgetful type who tends to run late on payments, then don’t worry. There is no late time fee ever for this simplicity card.

Rate – 3.50%

Minimum Salary – AED 5,000

Annual Membership Fee – AED 0

Features & Benefits
  • Shopping and Dining Credit Card.
  • Unlimited lounge access in selected airport lounges across the Middle East.
  • Complimentary Travel Insurance and Purchase Protection.
  • Get hundreds of Buy 1 Get 1 free offers across hotels, dining, spas, leisure & entertainment in cities throughout the Middle East & Africa.

Mashreq Noon VIP Visa Card

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

Mashreq Cashback Credit Card

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 7000

Annual Membership Fee – Free For Life

Features & Benefits
  • No annual fee
  • 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%

CBD Visa Infinite Card

The CBD Visa Infinite Credit Card is a great option for those who want to take advantage of balance transfer and are averse of paying an annual fee. The main advantage of this credit card is that it can act  both as a low balance transfer card and as a cashback rewards card all in one. This Credit card is great to redeem reward points for skyward air miles.

Rate – 2.99%

Minimum Salary – AED 30,000

Annual Membership Fee – AED 0

Features & Benefits
  • Unlimited access to VIP lounges globally.
  • Concierge service available at airports with this card.
  • Avail airport dining discount program with dragon pass.
  • Free Valtrans valet parking at different locations in UAE.
  • Earn 2.5 Attijari points on international spends , 2 points on local spends, 1 point for groceries and supermarkets.
  • 50% discount on VOX Cinema tickets. (T&C Apply).
  • Get discounts on dining, shopping and travel.

Emirates NBD U By Emaar

This ENBD credit card enable its card members to earn rewards points in the form of UPoints on their each spend and redeem Upoints instantly at over 1500 stores across top brands.

Rate – 3.25%

Minimum Salary – AED 5,000

Annual Membership Fee – AED 0

Features & Benefits
  • 1% back as Upoints can be earned on all spends.
  • 5% Upoints can be earned on all Emaar Spends.
  • 25% of the base Upoints can be earned by making Insurance, Car dealership expenses, quick service restaurants, Grocery and supermarkets spends.
  • 25% of the base Upoints can be earned on retail spends originated in European Union Countries.
  • 10% of the base Upoints can be earned by making Telecommunication bill payments, Transit, Government and Petroleum services spends.
  • A maximum of 30% discount on entertainment at Emaar Entertainment Group including Dubai Ice Rink & The Dubai Underwater Zoo, and Kidzania.
  • A maximum of 20% discount on food & beverages at Emaar Hospitality Group.
  • Card members can save 10% as well as avail a free upgrade to a suite on hotel stays.
  • 20% discount on Spas at Emaar Hospitality venues.

CBD Visa Platinum card

The CBD Visa Platinum Card ticks off all the boxes of a great balance transfer credit card. Plus, the card has no annual fee, a low interest rate of 2.99% as well as cashback on purchases.

Rate – 3.45%

Minimum Salary – AED 8,000

Annual Membership Fee – AED 229

Features & Benefits
  • Attijari points can be converted for Emirates Skywards or Etihad Guest Miles.
  • Repayment period of 52 days.
  • Attijari Points Rewards Program – earn up to 2.5 points for every Dirham spent.
  • Get Airport Dining Discount Program with Dragon Pass.
  • Offers free multi-trip travel insurance

ADIB value plus card

The ADIB Value Plus Card could be the one worth considering , if you’re looking for a card that will give you valuable cash rewards on every purchase. Earn reward points while you spend and enjoy the flexibility of converting them into shopping or dining vouchers, airline tickets and more.

Rate – 3.09%

Minimum Salary – AED 5,000

Annual Membership Fee – AED 0

Features & Benefits
  • Access to airport lounges across GCC/MENA Region.
  • Get up to 25% discount on select dining outlets across the UAE.
  • ADIB Reward Points can be redeemed for airline tickets.
  • Earn 1 reward point for 1 AED on domestic spend & 2 reward points for every 1 AED on international spend.
  • Facilities like Road side assistance.
  • You can redeem points for shopping vouchers.

Emirates NBD Lulu 24/7

Card members are entitled to a reward program where they can earn LuLu points on their daily spends. The accumulated LuLu points can be redeemed at more than 70 LuLu stores. The value of 1 LuLu point is equals to AED 1.

Rate – 3.25%

Minimum Salary – AED 5,000

Annual Membership Fee – AED 0

Features & Benefits
  • The cardholder can earn 3.5% back as LuLu points on LuLu in-store as well as online spends.
  • The cardholder can earn 2% back as LuLu points on fuel spends.
  • The cardholder can earn 1% back as LuLu points on Utility bill payments.
  • The cardholder can earn 0.35% back as LuLu points on all other spends.
  • Unlimited free access to more than 10 airport lounges across the UAE, Jordan, KSA, Kuwait, and Egypt.
  • A maximum of 30% off on travel bookings through Cleartrip.
  • 20% discount on three Careem rides each month.
  • Bicester village shopping benefits
  • MYUS premium shipping benefits
  • Purchase protection in an event of accidental damage or theft for a maximum of 180 days from the date of purchases.

What Is Free For Life Credit Card?


Some credit card applicants choose to use their credit card sparingly. Essentially, they want to take advantage of the basic credit card advantages. They have no intention of paying any annual fees. Banks and financial services sell free for life credit cards with no annual fees to certain applicants. Credit cards with no annual fees provide cardholders with restricted benefits and deals. Since there are no recurring subscription fees, the free for life credit card does not offer a loyalty program, golf perks, or high rewards, among other items. 

Features and Benefits of Free For Life Credit Cards

Everyone enjoys receiving free gifts, regardless of their financial status.

Why pay more when the applicant can take advantage of the available benefits for free? Free for life credit cards can sound too good to be true for some credit card applicants. They will get fantastic rewards without having to pay annual fees with the lifetime free credit card. While the benefits and features of a free for life credit card can vary from one card to the next, here are some of the more common ones.

Peace of Mind: Annual subscription fees, late fees, over-limit fees, and cash advance fees are all waived with a lifetime free credit card. As a result, it gives the cardholder complete peace of mind.

Access to Airport Lounges: Members of the basic and supplementary cards have unrestricted access to some airport lounges.

Free Supplementary Cards: Cardholders are entitled to an infinite number of supplementary cards for their family members at no extra cost.

Dining Privileges: Cardholders receive substantial discounts at a number of restaurants.

Buy One Get One Offers: Cardholders with free for life credit cards can take advantage of a range of Buy One Get One deals in the Middle East and Africa, including recreation, hotels, dining, and entertainment.

Some credit card applicants choose to use their credit card sparingly. Essentially, they want to take advantage of the basic credit card advantages. They have no intention of paying any annual fees. Banks and financial services sell free for life credit cards with no annual fees to certain applicants. Credit cards with no annual fees provide cardholders with restricted benefits and deals. Since there are no recurring subscription fees, the free for life credit card does not offer a loyalty program, golf perks, or high rewards, among other items. 



Eligibility Criteria for Applying Lifetime Free Credit Card

Card issuers may have different eligibility conditions for qualifying for a lifetime free credit card. The following are the general requirements for obtaining a lifetime free credit card: 

1. To apply for a lifetime free credit card, the applicant must be at least 21 years old.
2. The applicant must have a reliable and consistent monthly income source.
3. Expats and UAE nationals are also able to qualify for a free for life credit card. If Emiratis should bring their Emirates ID, expats must bring their passports and proof of residency.
4. To apply for a free for life credit card, the applicant must have a decent credit score.

Apply Free For Life Credit Cards Online

The cardholder may apply for the card online if they meet the eligibility requirements. All they have to do is go to the bank’s official website and choose the card that best suits their budget and needs. After that, they must click the apply button, fill in the necessary information, and then click the submit button. The applicant will receive a call from the bank within 3-5 business days after the bank receives their credit card application and decides if their profile qualifies them for the free for life credit card. They’ll inform the applicant about the documents they’ll need to complete their application and set up a time for them to pick them up. The credit card application will be processed within 7-10 business days after all relevant documents have been successfully submitted. Before deciding on a credit card, credit card experts advise comparing many options. By visiting bankbychoice.com, cardholders may apply for a free for life credit card. It’s an all-in-one platform that caters to UAE residents’ financial needs by providing a diverse selection of financial items. The company’s online website, as an impartial financial service provider, allows visitors to search and compare different lifetime free credit cards based on their features and rewards. They may apply for the credit card that best fits their financial needs based on the results from the comfort of their own home.

Why Choose BankByChoice for Free For Life Credit Card?

BankByChoice is an all-in-one platform that provides a wide variety of financial products to help UAE residents meet their financial needs. It allows candidates to learn about various financial products and compare them based on a variety of criteria. It assists them in finding the best credit card in the UAE that best fits their budget and financial needs. Applicants searching for the best free for life credit card in the UAE can visit BankByChoice UAE’s official website and compare different lifetime free credit cards in just a few seconds.

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