7 Best Credit Cards in UAE to Ensure a Good Credit Score!

7 Best Credit Cards in UAE to Ensure a Good Credit Score!
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It is true that credit cards are one of the factors that can make or mar a credit score. However, there are other factors responsible for the credit score too. Those factors are- personal loan, outstanding or deferred payments, etc.

Remember that the interest rates of the credit cards are one of the factors that can affect the debts and credit score respectively. Low-interest rates mean more savings and vice versa. Also, the late payments and outstanding bill of credit cards affect your credit score too. However, here we are going to discuss the best credit cards in UAE for those are with bad credit scores. One of the amazing perks of these credit cards is lower rate of interests, aiding to maintain your credit score well. Here we go:

ADIB Cashback Visa Platinum Card

With ADIB Cashback Visa Platinum Card, the cardholder can earn 1% cashback for every AED spent. However, this credit card has an annual fee of AED 1000. But the annual fee is chargeable from the second year as the credit card is free in the first year. The interest rate offered to the salary transfer and non-salary transfer cardholders may differ. The salary transfer cardholders have an interest rate of 2.99%, while the non-salary transfer cardholders have 3.09%.

Some of the benefits of the ADIB cashback visa platinum card include-

  • The cardholders can withdraw 100% of the credit limit in cash
  • The cardholders are offered a grace period of 55 days to repay the outstanding amount
  • Four of the supplementary cards are given free
  • Free roadside assistance
  • 1% flat cashback

To apply for the ADIB cashback visa platinum credit card, an applicant must be 21 years of age. He/she should also have a minimum monthly income of AED 10,000.

Emirates NBD Go4it Platinum Credit Card

Emirates NBD Go4it Platinum credit card is a unique credit card that comes with a transit chip built in it. The Go4it platinum card comes with an annual fee of AED 199. It also has an interest rate of 3.25% per month.

The benefits of this credit card include-

  • The credit card offers cashback on every AED 200 spent. On weekends, 5% of the purchase is offered as cashback. Weekdays and RTA spend offer 1% and 4% respectively
  • It can also be used as an RTA Nol card
  • Get 2 tickets in 2D VIP tickets or 2D standard ticket at AED 45 exclusively with VOX Cinemas.
  • Offers free rides with Dubai ferry

The applicant for Emirates NBD Go4it Platinum credit card must earn a minimum monthly salary of AED 10,000. He should also be of 21 years or above.

Emirates NBD Go4it gold credit card

Similar to the Emirates NBD Go4it platinum credit card, this credit card also comes with a transit chip built in it. However, the annual fee of this credit card is AED 99. The interest rate is also similar to the platinum G04it credit card with 3.25% per month.

The benefits of the Emirates NBD Go4it gold credit card include-

  • The cashback offer on every AED 400 spent. 5%, 4%, and 1% is offered respectively for purchases on weekend, RTA Nol card and weekdays
  • Get 2 tickets in 2D VIP tickets or 2D standard ticket at AED 45 exclusively with VOX Cinemas.
  • Offers free rides with Dubai ferry. This trip can include Jumeirah beach, Gold Souk, world islands, Burj Al Arab, Old Bastakiya,
  • It can also be used as an RTA Nol card

To be eligible for Emirates NBD Go4it gold credit card cum RTA Nol card, the applicant must earn a minimum salary of AED 5000.

ADCB Betaqti Credit card

The Betaqti credit card is exclusively for UAE nationals. Cardholders receive 300,000 touchpoints as a welcome gift.

The rewards and benefits of the ADCB Betaqti credit card include-

  • It offers 3 touchpoints for every single AED spent.
  • Cardholders with an annual spend of AED 500,000 receive 750,000 touchpoints as a reward
  • Cardholders with an annual spend of 350,000 receive 500,000 touchpoints
  • While card Cardholders with an annual spend of AED 250,000 receive 250,000 touchpoints
  • Cardholders are also offered with mega movie offers
  • Access to the partner fitness centre is complimentary for card users
  • Hotel nights with partner hotels are offered as complimentary
  • Access to international airport lounges for the cardholders and one of his/her guests

The ADCB Betaqti credit card has an annual fee of AED 2100. The interest rate on this credit card is 2.50% per month.

FAB Gold Credit Card

The FAB Gold credit card is free for life. This credit card is one of the best free for life credit cards in the UAE. With this credit card, the cardholders earn 1.25 reward points for every single AED spent on domestic purchases. This credit card is interest-free for the 55 days.

The rewards and benefits of these credit cards are-

  • The credit limit is high
  • The rewards can be redeemed through Emirates skyward miles, Etihad guest miles or in any of the partner airlines
  • Complimentary travel and international medical insurance
  • Home contents insurance starting from just AED 25 per month

This credit card has an annual fee of AED 500. Meanwhile, the interest rate on this credit card is 3.25%.

The eligibility requirement of this credit card is a minimum monthly salary of AED 5000.

Citibank Citi Prestige

The Citibank Citi Prestige credit card offers reward points for every USD spent. International purchase gets 3 touchpoints and domestic purchase gets 2 touchpoints for every USD spent. The card members are also rewarded with 10,000 touchpoints after the annual fee is paid.

The rewards and benefits of Citibank Citi prestige credit card include-

  • Complimentary fourth night at any hotel with 4 consecutive nights booked
  • Unlimited access to airport lounges via Loungekey for the primary and the supplementary cardholders and their guest is complimentary
  • Complimentary one a year Marhaba meet and greet
  • Concierge services to be availed 24/7
  • Complimentary round of golf in Dubai and Abu Dhabi
  • “Buy one get one offer” on movie tickets at VOX cinemas
  • Travel insurance to cover the travelling related risks
  • Travel medical insurance
  • Easy payment plan
  • Easy installment plan
  • Loan via phone available

The annual fee on the Citibank Citi Prestige card is AED 1500. It has an interest rate of 2.79% per month.

To be eligible for this card, the applicant must have a monthly earning of 30,000 AED.

FAB VISA Infinite Credit Card

With the FAB VISA infinite credit card, the cardholders can earn 2 stars for every single AED spent. The users also have access to international airport lounges. They are also offered complimentary insurance for multi-trips.

Other features and benefits of this credit card include-

  • On spending AED 2000 or more, the cardholders gain access to Fitness First health club at AED 30 per visit.
  • On spending AED 2000 or more, the card members are offered movie tickets at AED 10 at Oscar Cinema, Reel Cinemas, and Cine Royal.
  • Discounts on golf with Visa golf
  • Concierge service offered 24/7
  • 8 complimentary airport transfer in a year
  • Protection of purchase and warranty
  • Complimentary multi-trip travel insurance
  • Travel and medical assistance worldwide
  • Credit shield

This credit card is free for life. However, it has an interest rate of up to 3.25% per month.

To apply for this, the credit card applicant must have a minimum monthly earning of 30,000 AED.

Final Verdict

It would not be right to assume that these credit cards are the ideal options for improving bad credit score. The best credit cards in UAE have its limitations too. However, when it comes to improvising your credit score, above credit cards can help minimise the damage on your credit score.

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