7 Reasons to Use Your Credit Card in the UAE

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In today’s era when cashless transactions have increased multiple folds, credit cards turn out to be an essential modern-day tool. Use them to make purchases when you are out of cash, or to buy something from a remote seller without waiting for the physical check for the delivery, credit cards prove to be extremely useful in day to day life. Contrary to the popular belief if you use your credit card in the UAE responsibly, you can avail multiple benefits, while making your lives easier. Let us talk about 7 reasons to use your credit card in the UAE.

Go Cashless

Don’t look for an ATM now, just swipe your card and go cashless. With a credit card, you don’t need to carry cash with you; use your card for making all the payments. Even most of the vending machines now-a-days come with an inbuilt credit card slot that you don’t need to scrounge for change, just carry your card and you are good to go.

Build a Good Credit Rating

Using your credit card to buy things and then paying off the bills every month will help you build a good credit Score. Try and spend within your credit limit, and pay the bills timely so you don’t have to pay huge bills in the end due to the added interest. Using a credit card in UAE will not only help you to maintain a good credit rating from the start but will also allow you to rebuild your credit score if you’ve had problems with it in the past.

Automated Billing

Most of the credit card providers in the UAE provide an option for automated billing. With this feature, you can pay all your monthly bills with your credit card. You don’t need to remember the due dates for different bills ; all you need to remember is the due date for your credit card.

Earn Rewards and Bonus Points

Majority of credit card providers in the UAE work on a reward point system, where you earn certain points against each transaction that you make using your credit card. Often companies will provide special offers where spending in a certain category will double your points. When you reach a threshold, you can redeem your earned points for gift cards at stores or buy items online.


A lot of credit cards in the UAE come with a bundle of consumer protections. When you get a credit card for yourself, several providers offer complimentary protection plans like rental car insurance plans, travel insurance plans, and product warranties that exceed the original warranty period.

Enjoy Universal Acceptance

Some purchases may be a bit difficult to make when made with a debit card. When you want to stay in a hotel room or rent a car you’ll have a much easier time if you have a credit card. Hotel and car rental companies prefer customers to make their payments using credit cards. So, it gets easier for them to charge customers for any sort of damage. Also while traveling in a foreign country, merchants will not accept your debit cards due to their limited access, but with your credit card, you can enjoy universal acceptance.


Credit cards are a secured method for day-to-day transactions.  Even if your credit card is stolen or used fraudulently, none of the funds can be drained. All you need to do is to inform the credit card provider about the fraud and they will block your card ensuring that you don’t pay for the transactions you didn’t make.

Summing it Up

Credit cards in UAE prove to be highly useful if used responsibly. With so many benefits to offer shift all your purchases to credit cards and manage your expenses more efficiently and easily. Bear in mind that never come under a huge debt that you’re unable to pay back on time.

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