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Types Of Credit Cards In The UAE

In the UAE, there are various kinds of credit cards, each catering to a different type of card user. It is necessary to become familiar with the different categories in order to find the most appropriate one and, as a result, choose the best credit card offers in UAE. The following are the various types of credit cards available in the UAE:

credit card offers 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
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 credit card 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
cash back 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.

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
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
cinema offers credit cards in uae

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
Golf credit cards in uae

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
best 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 Credit Cards in UAE

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
  • Cashback of AED 2,000 – 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 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 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

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.

Rate – 3.45%

Minimum Salary – AED 10,000

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

Features & Benefits
  • First Year Free, AED 650 waived
  • AED 1,200 cashback
  • 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.

Deem Finance Miles Up

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

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%

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

Best Cash Back Credit Cards in UAE

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%

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 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

HSBC Cashback Credit Card

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

Citi Bank Cashback Card

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.