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Check the best credit card in UAE that suit you from Policybazaar UAE. Top Credit Cards list in every category i.e. Visa, Etihad Miles, Master, Airmiles, Platinum Elite, Travel, Shopping, Islamic, Golf and more. You can find fine-tuned filtered list to sort out the best credit cards on the basis of exactly what you need like the best interest profit rates, no or minimum annual fee, along with various reward points and cashback benefits. And that’s not all, you can further down to view the best travel credit cards base on features like free for life credit cards, Cashback credit cards, balance transfers, airport lounge access and more at Policybazaar.ae. Once you are aware of the factors and fees to be considered, you can easily find the best credit card in UAE for yourself.
Policbazaar UAE brings you the well-researched list of the best credit cards in UAE for January 2023 across all top-preferred categories like cashback, rewards, balance transfer, and more. Each category contains some excellent options for credit cards and their features. Below is the Name list of #1 ranked Credit Card in every category based on usage and type - later in the section we will discuss the complete top 10 card list in every category and also each card's complete details with features and benefits.
Below are the complete details of all top ranked credit cards in every category mentioned above in the table -:
The Citi Cash Back credit card is the best credit card in UAE because of its amazing cashback offers. The bank charges zero annual fee, and you get free access to 1000 plus airport lounges.
Features & Benefits of Citibank Citi Cashback Credit Card
Credit Card | Features | Benefits |
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Citibank Citi Cashback Credit Card |
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Emirates Ultima Credit Card is your first choice when you’re opting for premium range credit cards. This is the best credit card in UAE for earning skyward miles and a variety of other offers. A primary cardholder also has an opportunity to grab an exclusive metal card.
Features & Benefits of Emirates Ultima Credit Card
Credit Card | Features | Benefits |
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Emirates Ultima Credit Card |
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Considered the best credit card in UAE, the Mashreq Platinum Elite credit card offers worldwide access to airport lounges, all for free. That’s not all, the card holders can also enjoy complimentary access to Fitness First and earn Salaam points on all spends. To apply for this card, visit our credit cards section and get the card approved instantly.
Features & Benefits of Mashreq Platinum Elite Credit Card
Credit Card | Features | Benefits |
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Mashreq Platinum Elite Credit Card |
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The ADCB Traveller credit card is the best credit card in UAE for frequent travellers. The card has provisions for complimentary lounge access and some of the most affordable travel insurance options. Besides, the cardholder also gets discounts on flight bookings, hotel bookings, staycations, and many more similar benefits.
Features & Benefits of ADCB Traveller Credit Card
Credit Card | Features | Benefits |
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ADCB Traveller Credit Card |
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As the name suggests, the Emirates Islamic Cashback Plus credit card is regarded as the best credit card in UAE for its cashback benefits. With this one, you can get cashback on telecom, education, dining, and groceries. Apart from these, the card also offers free airport lounge access and complimentary golf offers.
Features & Benefits of Emirates Islamic Cashback Plus Card
Credit Card | Features | Benefits |
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Emirates Islamic Cashback Plus Card |
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ADIB Cashback Credit Cards are one of the best cards by ADIB offering 1% flat cashback on every transaction. There’s a range of offers and benefits that you get with these cards including but not limited to free roadside assistance.
Features & Benefits of ADIB Cashback Credit Card
Credit Card | Features | Benefits |
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ADIB Cashback Credit Card |
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The Standard Chartered Manhattan Plantinum credit card is regarded as the best credit card in UAE for shopping purposes. It provides exclusive discounts on shopping and a cashback of 5% at supermarkets. Other than these, the credit card user can also earn 3x rewards on other purchases.
Features & Benefits of Standard Chartered Manhattan Platinum Credit Card
Credit Card | Features | Benefits |
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Standard Chartered Manhattan Platinum Credit Card |
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DIB Consumer Platinum credit card is known as the best credit card in UAE when it comes to availing grocery shopping benefits. All the cardholders get up to 4% cashback on every purchase in hypermarkets and supermarkets.
Features & Benefits of DIB Platinum Credit Card
Credit Card | Features | Benefits |
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DIB Platinum Credit Card |
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Emirates NBD LuLu Credit Card is the best credit card in UAE for retail shopping at LuLu. The cardholders get to enjoy additional discounts and can get up to 3.5% LuLu points with every spend.
Features & Benefits of Emirates NBD LuLu Credit Card
Credit Card | Features | Benefits |
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Emirates NBD LuLu 247 Titanium Credit Card |
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Shop your heart out and pay in easy monthly installments at 0% interest with HSBC’s Platinum Select Credit Card. The Platinum Select card gives you access to cinema privileges, air mile rewards and exclusive dining offers, and a lot more. Considered one of the best cards, HSBC platinum offers complimentary access to the HSBC ENTERTAINER app and has a wide range of travel and lifestyle benefits.
Features & Benefits of HSBC Platinum Select Credit Card
Credit Card | Features | Benefits |
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HSBC Platinum Select Credit Card |
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Provider Bank | Credit Card Name | Minimum Salary Requirement (AED) | Annual Fee (AED) of Card | Key Features for while considering Card ranking |
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ADCB | ADCB Islamic Gold Credit Card | 8,000 | 0 | Air Miles & Islamic Finance |
ADIB | ADIB Cashback Platinum Credit Card | 5,000 | 0 | Cash Back, Free Roadside Assistance & Islamic Finance |
UAB | UAB Platinum Credit Card | 10,000 | 0 | Airport Lounge Access, Cinema offers & Gold benefits |
FAB | FAB Masdar Credit Card | 8,000 | 550 | Air Miles, Cash back & Valet parking |
FAB | FAB Abu Dhabi Platinum Card | 12,000 | 0 | Airport Lounge Access, Gold benefits, & Hotel discounts |
FAB | FAB Platinum Card | 8,000 | 550 |
Cash back, Cinema offers, Airport Lounge Access, Gold benefits ,Valet parking |
FAB | FAB Ferrari Signature Credit Card | 12,000 | 0 | Cinema Offers, Travel Insurance & valet parking |
CITI BANK | Citi Simplicity Credit Card | 5,000 | 0 | No annual fee, late payment fee, cash advance fee |
CITI BANK | Citi Cash back Credit Card | 8,000 | 0*- 300 | Automatic Cashback on all Spend |
CITI BANK | Citi Rewards Credit Card | 8,000 | 0- 300 | Airport Lounge Access, Cinema offers, Rewards |
CITI BANK | Citi Premier Credit Card | 15,000 | 0-750 | Cinema, Fly for free, 1000+ Airport Lounges |
CITI BANK | Citi Prestige Credit Card | 30,000 | 1500 | cash bank Air Miles, Hotel Discounts, t AED 1,000 welcome offer |
CITI BANK | Emirates-Citibank Gold Credit Card | 12,000 | 0-400 | Skyword Points, Free Travel Insurance |
CITI BANK | Emirates-Citibank Ultimate Credit Card | 18,000 | 800 |
Free Shopping vouchers, Air Miles, Airport Lounge Access, Gold Benefits & Hotel Discounts |
CITI BANK | Emirates-Citibank Ultima Credit Card | 36,750 | 3,000 |
Airport Lounge Access, Air Miles, Free Shopping vouchers, Gold Benefits & Hotel Discounts |
Emirates NBD | Emirates NBD Infinite Credit Card | 30,000 | 1,500 |
Airport Lounge Access, Travel Insurnace, Credit Shield, Gold benefits |
Emirates NBD | Emirates NBD Platinum Credit Card | 10,000 | 199 | Cinema Offers, Dining discounts & Travel Insurance |
Emirates NBD | Emirates NBD Skywards Infinite Credit Card | 30,000 | 1,500 | Airport Lounge Access, Air Miles, Credit Shield & Travel Insurance |
Emirates NBD | Emirates NBD Go4it Credit Card | 5,000 | 99 | Airport Lounge Access, Cinema offers & Dining discounts |
Emirates NBD | Emirates NBD Titanium Credit Card | 5,000 | 400 |
Airport Lounge Access, Credit shield, Free roadside assistance & Gold benefits |
Emirates Islamic | EIB RTA Gold Credit Card | 5,000 | 125 | Islamic Finance, Credit Shield & Travel Insurance |
Emirates Islamic | EIB Skywards Infinite Credit Card | 25,000 | 950 |
Airport Lounge Access, Air Miles, Credit Shield, Islamic Finance & Travel Insurance |
Emirates Islamic | EIB Skywards Gold Credit Card | 5,000 | 400 |
Airport Lounge Access, Credit Shield, Islamic Finance & Travel Insurance |
Emirates Islamic | EIB Skywards Platinum Credit Card | 5,000 | 700 |
Airport Lounge Access, Gold benefits, Islamic Finance & Travel Insurance |
Mashreq | Mashreq Platinum Elite Credit Card | 7,000 | 600 | Cash Back, Dining discounts, Travel Insurance |
Mashreq | Mashreq Etisalat Credit Card | 5,000 | 0 | Free shopping vouchers |
Mashreq | Mashreq Gold Credit Card | 5,000 | 0 | Credit Shield, Dining discounts, & Hotel discounts |
Mashreq | Mashreq Classic Credit Card | 5,000 | 0 | Credit Shield, Internet banking & Dining Discounts |
Standard Chartered Bank | SCB Infinite Credit Card | 35,000 | 0 | Access to Fitness Clubs, Dining discounts & Gold benefits |
Standard Chartered Bank | SCB Titanium Credit Card | 10,000 | 0 | Cash Back, Cinema offers & School discount |
HSBC | HSBC Premier Credit Card | 15,000 | 0 |
Cinema offers, Air Miles,Valet parking & Travel Insurance, Dining discounts, |
UNB (Now ADCB) | Titanium MasterCard Credit Card | 8,000 | 0 | Airport Lounge Access , Free Roadside Assistance |
RAK Bank | RAKBANK Géant La Carte Credit Card | 5,000 | 0 | Dining Discounts , Travel Insurance |
RAK Bank | RAKBANK NMC MasterCard | 5,000 | 0 | Cash Back, Dining discounts, Travel Insurance |
RAK Bank | RAKBANK Titanium Credit Card | 10,000 | 0 | Cash Back & Travel Insurance |
Deem finance | Platinum Credit Card – CashUp | 5,000 | 0 | CASH BACK & Rewards |
HSBC | Zero Credit Card | 5,000 | 0 | No annual fee, No cash advance fee, |
Category-wise List of Top Preferred Best Credit Cards based on User selection and R & D Team of Policybazaar.ae for following categories -:
Categories for Best Credit Cards in UAE for January 2023 |
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1. Cashback Credit Cards |
2. Travel Credit Cards |
3. Cinema Offers Credit Cards |
4. Rewards Offers Credit Cards |
5. Balance Transfer Credit Cards |
6. Free for Life Credit Cards |
7. Grocery Shopping Credit Cards |
Cashback credit cards reward you with a small percentage of the total amount you spent through a transaction. Notably, cashback is awarded on the amount spent by you using your credit card in a particular billing cycle. This cashback is credited to your credit card balance at the end of the billing cycle.
Here’s a list of the best credit cards in UAE with cashback benefits for January 2023:
Here we are explaining the best cashback credit cards with Features & Benefits
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Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
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Mashreq | Mashreq Bank Cashback Card | Free for Life | 10000 |
Emirates Islamic | Emirates Islamic Bank Cashback Card | 350 | 8000 |
FAB | FAB Cashback Card | 315 | 5000 |
Citibank | Citibank Citi Cashback Card | 300 | 8000 |
ADCB | ADCB SimplyLife Cashback Card | Free for Life | 5000 |
ADIB | ADIB Cashback Visa Platinum | 1000 | 10000 |
You may also like this - List of Best Cashback Credit Cards in UAE to Apply |
Credit cards with travel benefits are designed to make travelling easy, rewarding, and comfortable for frequent travellers. These cards help you save a substantial amount of money and ensure that your travels are nothing but pleasant.
The following is a list of the best credit card in UAE with travel benefits:
Here we are explaining the best travel credit cards with Features & Benefits
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Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
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ADCB | ADCB Traveller Credit Card | 1050 | 20000 |
Deem | Deem Mastercard Titanium Cash Up | 200 | 6500 |
Standard Chartered | Standard Chartered Platinum | 525 | 8000 |
CBD | CBD Smiles Visa Platinum | 366.45 | 8000 |
RAKBANK | RAKBANK Mastercard World | 750 | 20000 |
You may also like this - List of Best Travel Credit Cards in UAE to Apply |
Cinema offer credit cards are ideal for all movie enthusiasts out there. Besides buy one get one offers, complimentary tickets, and discounts on movie tickets, these cards offer several other cinema benefits.
Listed below are the best credit cards in UAE for cinema offers:
Here we are explaining the best Cinema Offers credit cards with Features & Benefits
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Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
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Emirates Islamic Bank | Emirates Islamic Bank Etihad Guest Platinum | 199 | 8000 |
FAB | FAB Cashback Card | 315 | 5000 |
Citibank | Citibank Citi Prestige Card | 1500 | 30000 |
CBD | CBD Super Saver | 420 | 8000 |
Standard Chartered | Standard Chartered Bank Manhattan Platinum | 525 | 8000 |
You may also like this - List of Best Cinema Offer Credit Cards in UAE to Apply |
You can use your reward credit cards in the UAE to earn loyalty points and rewards on every dirham spent with that card. These reward points can be used to continue shopping and receive more benefits as per your preference.
Find below the list of the best credit cards in UAE with rewards offers:
Here we are explaining best rewards offers for credit cards in UAE with features & benefits
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Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
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Mashreq | Mashreq Bank Solitaire Card | 1500 | 25000 |
Emirates Islamic | Emirates Islamic Bank Skywards Signature | 700 | 10000 |
RAKBANK | RAKBANK Emirates Skywards World Elite | 700 | 25000 |
FAB | FAB Cashback Card | 315 | 5000 |
Deem | Deem Mastercard Titanium Cash Up | 200 | 6500 |
You may also like this - List of Best Rewards & Offers Credit Cards in UAE to Apply |
The balance transfer facility for the best credit cards in UAE allows users to transfer the outstanding balance of one credit card to another credit card account. This can help the users settle the credit card payment with minimal interest if the latter option is providing better rates.
Discussed below are the best credit cards in UAE with balance transfer features:
Here we are explaining best balance transfer credit cards in UAE with features & benefits.
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Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
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CBD | CBD Super Saver | 420 | 8000 |
Emirates NBD | Emirates NBD Lulu Mastercard Titanium | Free for Life | 5000 |
FAB | FAB Elite Infinite | Free for Life | 40000 |
United Arab Bank | United Arab Bank Visa Titanium | 300 | 6000 |
You may also like this - List of Best Balance Transfer Credit Cards in UAE to Apply |
In addition to a vast array of benefits, free for life credit cards ensure that you won’t have to pay any kind of charges to keep your card activated. Moreover, several such cards waive off other additional fees and charges.
The following is a list of the best credit cards in UAE with free for life offers:
Here we are explaining best free for life credit cards with features & benefits.
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Bank |
Credit Card Name |
Salary Requirement |
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Citibank |
Citi Simplicity Credit Card |
AED 5,000 |
FAB |
FAB Abu Dhabi Titanium Credit Card |
AED 5,000 |
ADCB |
ADCB Lulu Titanium Credit Card |
AED 5,000 |
ADIB |
ADIB Value Credit Card |
AED 8,000 |
DIB |
Dubai Islamic Johara Gold Premium Credit Card |
AED 5,000 |
Emirates Islamic Bank |
Emirates Islamic Flex Credit Card |
AED 5,000 |
Save big bucks on your supermarket and grocery spends with the best credit cards in UAE with grocery shopping offers. Some of the best credit cards in Dubai coming with grocery shopping offers in the UAE are:
Here we are explaining best credit cards for grocery shopping with features & benefits
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With everything going digital now, several top banks are also taking the necessary steps to make every banking service available to their customers via online banking. As a result, you can now get online approval for some of the best credit cards in the UAE in a matter of minutes. Following are the banks that offer online approvals for their best credit cards in Dubai:
Just like any other business venture out there, banks keep on rolling out new products and services. Following are the three most recently launched best credit cards in the UAE:
Deem Finance has launched two incredible new credit cards with hosts of features:
A fully digital credit card with instant approval services from the Emirates NBD Liv app, this excellent credit card offers a host of different reward programs. Users can choose any program as per their preference and switch it whenever required. These features make it one of the best credit cards in UAE in terms of the rewards and benefits offered.
Finding the best credit card in UAE is chiefly a matter of preferences and requirements. For instance, whereas a cashback credit card may be the best option for your friend, you may find a credit card with travel benefits more suitable. Moreover, your definition of the best credit card in UAE may change over time as your requirements change.
In a nutshell, there is no one-size-fits-all situation that applies to credit cards. Considering that, we have shortlisted the top preferred features that most customers search for in credit cards and shortlisted a few top options for you. Compare the cards you find the most suitable for your needs and choose the best credit card in UAE for yourself on our website only.
If you are looking for an affordable best credit card in UAE, Dubai then the best choices for you are Citi Cashback Credit Card, FAB Infinite Credit Card, Emirates Ultima Credit Card, DIB Platinum Credit Card, Emirates NBD Lulu Credit Card, ADIB Cashback Credit Card, Mashreq Platinum Elite Credit Card. Alternatively, you can also choose a cashback credit card, offering loyalty benefits on your expenses. Best cashback credit cards in Dubai are CBD Super Saver credit card and Dubai Islamic consumer reward credit cards.
Analysing your requirements and selecting a card fulfilling them after an extensive comparison can help you get the best credit card in UAE. The comparison part can be done on our website’s ‘credit cards’ section.
While the minimum monthly salary requirements depend on your selected credit card as well as the institution issuing it, most providers require a monthly salary of at least AED 5,000 to consider the applicant eligible.
You can check out our website’s ‘credit cards’ section or visit the website of your provider. You can also take the offline route and visit the nearest branch of your provider.
Besides a filled-out application form, most credit card providers generally request the Emirates ID, passport, proof of residence, salary slips, and bank statements for the previous 6 months for individual applicants.
While most banks don’t specify the required credit score for credit card applications, you can aim for a credit score in the range of 680-700 and above for a hassle-free application process.
Cashback credit cards like Citi Cashback Credit Card, FAB Cashback Credit Card, Mashreq Cashback Credit Card, HSBC Cashback Credit Card, and others, which offer considerable cashback on most transactions at minimal fee are the best cashback credit cards for you.
Unlike cashback, where the cashback earned on eligible transactions is utilised for discounts, reward points allow users to enjoy vouchers for shopping, entertainment, travel, and more after crossing the specified limit.
Emirates-Citibank World Credit Card, Emirates NBD WebShopper Credit Card, FAB Cashback Islamic Credit Card, ADIB Etisalat Gold Card, and so on are some of the most affordable credit cards with lenient eligibility criteria in the UAE.
Credit card providers in the UAE generally require the applicants to be at least 21 years old, be UAE residents, fulfil the minimum income criteria, and have a good credit score to consider them eligible.
A credit card from banks like Citibank, Emirates NBD, FAB, Emirates Islamic, etc., which provides the maximum benefits at affordable charges, can be considered the best in the UAE for you.
You can specify your credit card as the chosen payment method and enter the password complete the transaction. The charges will have to be paid later to the bank along with the interest amount.
The most popular credit card offers in the UAE include complimentary airport lounge access, free valet parking services, discounts on movie tickets and dining, and more.
The maximum limit generally recommended for credit cards is 3. While multiple credit cards can enable you to make more spending, they can significantly bring down your credit score if you fail to manage their repayments.
Free for life credit cards like Citi Simplicity Credit Card, Emirates NBD Lulu 247 Titanium Credit Card, Emirates Islamic Flex Credit Card, and others are some of the best credit cards with no annual fee in the UAE.
The most expensive credit cards in the UAE include Emirates Islamic Skywards Black Credit Card, Emirates-Citibank Ultima Credit Card, FAB Elite Infinite Travel Card, HSBC Black Credit Card, Emirates NBD Skywards Infinite Credit Card, and others.
A credit card that provides no relevant benefits to you while charging exorbitant fees can be considered overrated. The definition, as one may expect, differs as per the individual.
Some of the best credit cards that you can explore for AED 5,000 salary include Citi Simplicity credit card, FAB cashback credit card, Emirates NBD Lulu 247 Titanium Credit Card and ADCB TouchPoints Titanium/Gold Credit Card.