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A credit card is indeed a very useful financial instrument that acts as a savior when you don’t have enough cash in your wallet. Be it travelling, shopping, or fulfilling in any other financial requirements, this plastic instrument stands by you especially when the cash in hand and at bank become null & void. And when you look at the list of credit cards available in the UAE market, it is uncountable. There is a wide range of credit cards right from travel credit cards and cash back credit cards to rewards credit cards, balance transfer credit cards, and more.
In such a case, opting for the best credit card in UAE can be a very daunting task as each credit card come with its own set of features & benefits. Considering this difficulty in mind, we have come with a list of best credit cards in UAE based on their key features and benefits we think these cards are the most appropriate cards for the different set of needs. So, take a glimpse of this elusive list of credit cards and choose the best credit card that suits your spending habits and lifestyle needs the most.
Here are the best credit cards in UAE, categorized with cashback, travel rewards, cinema offers, rewards and balance transfer features.
Cash back credit card is a rewarding credit card that pays its card member back some percentage of their purchases or transactions in the form of cash. Few banks offer a credit back to the card account while some bank provides the card member an option of redeeming the cash back points for discounts, offers, and other services. Cash back can be offered either monthly or annually. Well, it may vary from one bank to another.
Now, let’s have a look at some of the best cash back credit cards available in the UAE:
If you are looking for a one stop solution for all your credit card needs, FAB cashback credit card is the right choice for you, this credit card is loaded with a plethora of lifestyle, travel, cashback and reward schemes to provide an unparalleled user experience. Cardholders are eligible to get welcome bonus and complimentary airport lounge access with this credit card.
Key Features and Benefits of this credit card:
Annual fee: AED 315
The Emirates Islamic Cashback Plus Credit Card is one of the best cash back credit cards in the UAE. It offers cash back of a maximum of 10% on various categories right from education and dining to supermarket and telecom spends across the UAE as well as abroad. In addition to this, it is loaded with a wide range of exclusive features and benefits that are unmatched by any other credit cards.
Key Features & Benefits of this card:
Annual Membership Fee: AED 299
Citi Cashback credit card is one of the best cash back credit cards that you can choose in order to make the most of your every spending.
Key Features & Benefits of this card:
Annual Membership Fee: AED 300*
*Free for the first year. The annual fee is waived from the second year onwards upon meeting the minimum spend requirement.
Minimum Monthly Income: AED 8000
The Deem Titanium Cash Up Credit Card is one of the best cash back credit cards that let you spend smartly. It offers you cash up on things you loved to spend on, be it hotels, flights, groceries, shopping, and the like. Apart from this, it provides lucrative benefits and offers to meet different spending habits of its cardholders.
Key Features & Benefits of this card:
Annual Membership Fee: Free for the 1st year, Annual membership will be applicable from the 2nd year onwards.
Minimum Monthly Income Required: AED 5,000
The Deem Platinum Cash Up Credit Card is a prime example of the best cash back credit card in the UAE. Not only it enables its cardholder to earn maximum cash back on various spending categories but also it offers one of a kind lifestyle & travel benefits that make it card stand from all other cash back credit cards.
Key Features & Benefits of this card:
Annual Membership Fee: Free for Life
Minimum Monthly Income Required: AED 10,000
Standard Chartered Platinum Credit Card is among the best credit card in UAE for cash back. It enables its card members to earn up to 10% cash back on everyday spends from supermarket shopping to utility bills, including school fees.
Key Features & Benefits of this card:
Annual Membership Fee: AED 525
Minimum Monthly Income: AED 5000
RAKBANK Titanium credit card offers umpteen benefits and rewards that are unmatched by any other credit card in the UAE. More than that, it offers high cash back on everyday purchases.
Key Features & Benefits of this card:
Annual Membership Fee: Free for life
CBD is amongst the best credit card in UAE for cash back. It allows its card member to accumulate cash back on all qualifying transactions on their card during the calendar month.
Key Features & Benefits of this card:
Annual Membership Fee: AED 840*
*Free for the first year. Annual membership will be applicable only from the second year onwards.
Minimum Monthly Income: AED 8000
The Najm Cash Back Platinum Plus Credit Card is one of the most rewarding cards that is available for everyday spending purpose. Loaded with a wide range of exclusive benefits and privileges, this card is offered at low annual fees.
Key Features & Benefits of this card:
Annual Membership Fee: AED 420
If you are a frequent traveler or travelling is your hobby then you would already know how expensive it to bear all the travel related expenses is. From booking air tickets to make hotel bookings, travel expenses can cost you a fortune at times. Considering the travel needs in mind, some of the leading banks and financial institutions offer travel credit cards that offer a host of travel privileges such as free airport lounge access, air miles, skyward miles, complimentary travel insurance, discount on flight tickets and hotel bookings, and much more.
Here are some of the best travel credit cards available in the UAE:
The Deem MasterCard Platinum Miles Up Credit Card is a perfect partner for travelling. It helps its card members to enjoy a plethora of travel-related perks such as airport lounge access, hotel& flight bookings, valet parking, and various other MasterCard benefits.
Key Features & Benefits of this card:
Minimum Monthly Income: AED 10,000
Annual Membership Fee: Free for life
If you are an avid traveler then this card is especially designed for you. With its incredible offers and discounts, you can stay for less, fly for less, and make the most of your travel.
Key Features & Benefits of this card:
Annual Membership Fee: AED 1050
The Najm Voyager Signature Credit Card is amongst the best travel credit card UAE that enables the cardholder to travel with ease, convenience and flexibility while earning the highest rewards.
Key Features & Benefits of this card:
Annual Membership Fee: AED 523.95
This Etihad Visa Platinum Credit Card offered by the ADIB (Abu Dhabi Islamic Bank) enables its cardholders to enjoy umpteen travel-related perks and benefits
Key Features & Benefits of this card:
Annual Membership Fee: AED 700
This credit card lets its cardholders to enjoy a world of lifestyle and more specifically travel benefits.
Key Features & Benefits of this card:
Annual Membership Fee: AED 700
Several banks and financial institutions in the UAE offer Cinema offers credit cards. Such types of credit cards usually offer Buy 1 Get 1 free offer on movie tickets and discounts on refreshments. Below is a list of top 5 cinema offers credit cards that offer you the best deal on movie tickets.
The Mashreq Novo Credit card is specifically designed for the movie-goers as it offers a special discount on movie tickets.
Key Features & Benefits of this card:
Annual Membership Fee: AED 300
The Emirates NBD Go4it Gold Card is one of its kinds in the UAE region that lets you enjoy exclusive offers on cinema tickets along with other lifestyle benefits.
Key Features & Benefits of this card:
Annual Membership Fee: AED 99
It is one of the best cinema offers credit cards in the UAE that enables its card members to avail lucrative movie offers as well as other lifestyle privileges.
Key Features & Benefits of this card:
Annual Membership Fee: AED 999
Minimum Monthly Income: AED 15,000
With the RAKBANK World Credit Card, your world just got more rewarding. Right from cinema offers to travel and lifestyle offers, this credit card helps you to make the most of every spending.
Key Features & Benefits of this card:
Annual Membership Fee: AED 999
The Emirates Citibank Ultima Credit card is amongst the best cinema offers credit card in UAE that opens a world of entertainment for its card members.
Key Features & Benefits of this card:
Annual Membership Fee: AED 3,000
Minimum Monthly Income: AED 36,750
Rewards and offers credit cards offer lucrative benefits and privileges to its cardholders unlike basic credit cards. That is why they are one step ahead of the ordinary credit cards. Such type of cards usually offers rewards in the form of cash back, air miles, lifestyle discounts and much more for the amount that the cardholder spend with their card.
Below specified are the top 5 rewards and offers credit cards that are offered by the leading banks in the UAE:
The ADCB TouchPoint Infinite Credit Card lets you enjoy the umpteen rewards and offers. Right from the complimentary stay and entertainment deals to online food delivery discounts and much more, this card will compliment your lifestyle.
Key Features & Benefits of this card:
Annual Membership Fee: AED 1050
The ADIB Value+ Credit Card offers the best and the most flexible rewards program in order to suit the lifestyle needs of its card members.
Key Features & Benefits of this card:
Annual Membership Fee: Free for life
Cardholders of the HSBC Platinum select credit card can enjoy a host of rewards and offers across dining, entertainment, and cinema. In addition to this, they can earn Air Miles rewards on their everyday spends.
Key Features & Benefits of this card:
Annual Membership Fee: Free for life
Minimum Monthly Income: AED 5,000
Loaded with a wide range of exclusive offers and rewards, the Emirates Islamic Flex Elite Card is among the best credit card in UAE you can opt for.
Key Features & Benefits of this card:
Annual Membership Fee: AED 700
A balance transfer credit card helps its card member to transfer the high interest outstanding debt from one card to another at a low rate of interest. Now have a look at the top 5 balance transfer credit cards available in the UAE:
You can pay off your other card’s outstanding balance with the Mashreq Platinum Credit card and enjoy the flexibility of paying back in equal monthly installments.
Key Features & Benefits of this card:
Annual Membership Fee: AED 682.5
The HSBC Black Credit Card comes with a balance transfer facility. Members of this card can transfer their outstanding balance to this card at a favorable interest rate.
Key Features & Benefits of this card:
Annual Membership Fee: AED 1500
With the Emirates Islamic Skywards Infinite Credit Card balance transfer facility, you can easily repay your outstanding balance and save big time.
Key Features & Benefits of this card:
Annual Membership Fee: AED 2000
The ADCB Etihad Guest Platinum Credit Card also offers the balance transfer facility. Moreover, this facility is available within three months of registration of the card.
Key Features & Benefits of this card:
Annual Membership Fee: AED 525
The Deem MasterCard Titanium Cash Up Credit card is loaded with extraordinary features and one such feature is a balance transfer. This amazing feature helps its card members to pay off their other bank’s card outstanding balance using this Deem credit card at a low interest rate.
Key Features & Benefits of this card:
Annual Membership Fee: AED 200*
*Free for the first year. The annual fee is waived from the second year onwards upon meeting the minimum spend requirement.
Bank | Card Name | Minimum Salary Requirement (In AED) | Annual Fee ( In AED) | Best Feature |
---|---|---|---|---|
Citibank | Citibank Citi Cashback Credit Card | 8000 | 300* | CashBack |
Standard Chartered | Standard Chartered Platinum Credit Card | 5000 | 525 | CashBack |
RAKBANK | RAKBANK Titanium Credit Card | 10000 | Free for Life | CashBack |
CBD | CBD Super Saver Credit Card | 8000 | 840** | CashBack |
Najm | Najm Platinum Plus Cashback Credit Card | 7000 | 420 | CashBack |
Deem | Deem MasterCard Platinum Miles Up Credit Card | 10000 | Free for Life | Travel |
ADCB | ADCB Traveller Credit Card | 20000 | 1050 | Travel |
Najm | Najm Voyager Signature Credit Card | 12000 | 523.95 | Travel |
ADIB | ADIB Etihad Visa Platinum Credit Card | 10000 | 700 | Travel |
Emirates NBD | Emirates NBD Skywards Signature Credit Card | 15000 | 700 | Travel |
Mashreq | Mashreq Novo Credit Card | - | 300 | Cinema |
Emirates NBD | Emirates NBD Go4it Gold Card | 5000 | 99 | Cinema |
CBD | CBD Smiles Visa Signature Credit Card | 15000 | 999 | Cinema |
RAKBANK | RAKBANK World Credit Card | 35000 | 999 | Cinema |
Emirates NBD | Emirates Citibank Ultima Credit Card | 36750 | 3000 | Cinema |
ADCB | ADCB Touchpoint Infinite Credit Card | 40000 | 1050 | Rewards & Offers |
ADIB | ADIB Value+ Credit Card | 5000 | Free for Life | Rewards & Offers |
HSBC | HSBC Platinum Select Credit Card | 5000 | Free for Life | Rewards & Offers |
Emirates Islamic | Emirates Islamic Flex Elite Credit Card | 25000 | 700 | Rewards & Offers |
Mashreq | Mashreq Platinum Elite Credit Card | 7000 | 682.5 | Balance Transfer |
HSBC | HSBC Black Credit Card | - | 1500 | Balance Transfer |
Emirates Islamic | Emirates Islamic Skywards Infinite Credit Card | 25000 | 2000 | Balance Transfer |
ADCB | ADCB Etihad Guest Platinum Credit Card | - | 525 | Balance Transfer |
Deem | Deem MasterCard Titanium Cash Up Credit Card | 5000 | 200* | Balance Transfer |
* Free for the first year. The annual fee is waived from the second year onwards upon meeting the minimum spend requirement.
** Free for the first year. Annual membership will be applicable only from the second year onwards.
Final Words
As you can see, there is a plenty of best credit card in UAE offering distinctive features and benefits to meet the different spending patterns and fulfilling various lifestyle needs of its customers. It is very imperative to opt for the right credit card or else you might end up losing on a lot of exclusive privileges and benefits. Make sure, you compare different credit cards based on their features, benefits, rewards, fees & charges. This will enable you to choose the best credit card as per your usage pattern.