Banks with the Best Credit Card to Apply for in the UAE
Credit card has been gaining momentum for the past few year. Banks are offering competitive rewards and benefits to stay on top of each other. Here is a list of the banks offering best credit cards in the UAE that you should check out, when you apply for credit card.
Standard Chartered Platinum Card
Standard chartered platinum credit card offers 10% cashback at school fees, supermarkets, and utility bills. This credit card also offers a 20% discount on 3 careem The card member can access more than 20 airport lounges worldwide. Other benefits of this credit card include discounts up to 10% on hotels.com. While travel bookings with cleartrip.com offer discount up to 30%. The standard chartered platinum credit card also offers the cash withdrawals anywhere in the world.
The standard chartered platinum credit card has an annual fee of AED 525. The minimum salary required to be eligible for this credit card is AED 5000.
Majid Al Futtaim (Najm) Platinum Cashback Credit Card
For the beginning 2 months at Carrefour, the Najm platinum credit card offers introductory cashback of 10%. Also, every Tuesday, 6% cashback is offered at Carrefour. Introductory cashback of 5% is also offered wherever visa card is accepted. After that, 1.5% of the purchase is offered as cashback with visa acceptance. This credit card also has the offer of “buy one get one” in partnership with VOX Cinemas. Najm platinum cashback credit card has the cashback limit of AED 500 within a month.
The minimum salary required to be eligible for this credit card is AED 7000. However, the annual charge of this credit card is free.
CBD Super Saver Credit Card
CBD super saver credit card offers 10% cashback on all retail purchases. Each category has a limit of AED 200 cashback per month. These categories include transportation fees, utility bills, education fees, and supermarket purchases. You can also earn 1% cashback without any limit on other spends. Commercial bank of Dubai’s partnership with VOX cinemas offers the card members 50% discounts on movie ticket across the UAE. The card members can also enjoy access to the airport lounges up to 8 visits in a year.
The CBD super saver credit card is free for the first year. However, the minimum salary required to be eligible for this credit card is AED 12,000 a month.
ADIB Etihad Guest Visa Platinum Card
The Abu Dhabi Islamic Bank Etihad guest visa platinum card offer of air mile points is amongst the best. This credit card is perfect for people who travel frequently. The card members get 50,000 air miles when they join. On spending of every 4 AED internationally, the card members receive 3 points. For every 4 AED spent domestically, the card member receives 2.2 points. The ADIB Etihad guest visa platinum card also provides one free ticket to a guest of the card member. complimentary valet parking is also available at some of the places in the UAE. The card member also receives help on the road across the UAE 24X7 times.
The eligibility requirement of this credit card is a minimum income of AED 5000. Also, the platinum credit card has a yearly charge of AED 2000.
Emirates NBD Titanium Credit Card
Emirates credit card is not only good for household expenses, frequent travelers and shopping but also for the golf lovers. Emirates titanium credit card offers discounts up to 40% at golf courses all over the world. Also, buying golf equipment from egolfmegastore can avail discounts of up to 15%. Emirates NBD offers access to more than ten VIP lounges as complementary. The card members can access these lounges in UAE, KSA, Kuwait, Jordan and Egypt. On spending of every 100 AED, the card members can earn a point. The card members earn 0.4% plus points in grocery, supermarket, car dealership and insurance expenses. They can also earn 0.2% plus points in utility bills, education expenses real estate and fuel spends.
The card member needs to have a minimum income of AED 5000 per month to be eligible for this credit card. Also, this credit card has a yearly fee of AED 400.
Mashreq SmartSaver Credit Card
The Mashreq SmartSaver is one of the best when it comes to cashback credit cards. On fashion, jewelry, groceries, etc., the Mashreq SmartSaver credit card offers cashback up to 10%. The card members are also rewarded with cashback up to 10% on online shopping. On every AED spent internationally, the card members receive 2.50 % cashback while domestic spends offer 1.25% cashback. The Mashreq SmartSaver also offers travel insurance to its card members for free. The best feature of this credit card is that there is no capped limit on cashback.
To be a member, the applicant must have a minimum monthly income of AED 5000. The SmartSaver credit card is free.
HSBC Platinum Select Credit Card
HSBC platinum select credit card offers discounts in travel and lifestyle, air mile points and hotels. HSBC entertainer application is complimentary for the card members. The platinum select card offers discounts up to 12% on hotels worldwide. This credit card offers offer benefits on movie tickets too. As for frequent travelers, the card members can earn 1 air mile point for every 4 AED spent.
The applicant for this credit must be aged inbetween 2165. He must also have a minimum income of AED 5000. There is no annual charge on this credit card.
Listed above are amongst the best credit cards in the UAE. Before reaching for any credit card application, it is important to know your spending habit. Knowing your spending habit will help you find out which credit card suits your needs the best. Also, make sure to know about the fees and the interest rates.