Best Credit Card in UAE for July 2021

By Neha Goyal
  | Published: 14 January 2020 | Last Updated On: 26 July 2021

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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.

List of Best Credit Cards in the UAE for July 2021

Here are the best credit cards in UAE, categorized with cashback, travel rewards, cinema offers, rewards and balance transfer features.

Cashback Credit Cards

  • FAB Cashback Credit Card
  • Emirates Islamic Cashback Plus Credit Card
  • Citibank Citi Cashback Credit Card
  • Deem Titanium Cash Up Credit Card
  • Standard Chartered Platinum Credit Card
  • RAKBANK Titanium Credit Card
  • CBD Super Saver Credit Card

Travel Credit Cards

  • Deem MasterCard Platinum Miles Up Credit Card
  • ADCB Traveller Credit Card
  • Najm Voyager Signature Credit Card
  • ADIB Etihad Visa Platinum Credit Card
  • Emirates NBD Skywards Signature Credit Card

Cinema Offers Credit Cards

  • Mashreq Novo Credit Card
  • Emirates NBD Go4it Gold Card
  • CBD Smiles Visa Signature Credit Card
  • RAKBANK World Credit Card
  • Emirates Citibank Ultima Credit Card

Rewards & Offers Credit Cards

  • ADCB Touchpoint Infinite Credit Card
  • ADIB Value+ Credit Card
  • HSBC Platinum Select Credit Card
  • Emirates Islamic Flex Elite Credit Card

Balance Transfer Credit Cards

  • Mashreq Platinum Elite Credit Card
  • HSBC Black Credit Card
  • Emirates Islamic Skywards Infinite Credit Card
  • ADCB Etihad Guest Platinum Credit Card
  • Deem MasterCard Titanium Cash Up Credit Card

Chris standing up holding his daughter Elva

Best Cash Back Credit Cards in the UAE for July 2021

FAB Cashback Credit Card

FAB Cashback Credit Card
Cashback
  • Minimum Salary AED 5,000
  • Annual Fee AED 315
  • Cashback
  • Airport Lounge Access
  • Movie Discounts
  • Travel Discounts
  • Hotel Discounts
Reward Value: NA

Key Features & Benefits of FAB Cashback Credit Card :

  • 5% cashback on supermarket purchases including online spend as well
  • 5% cashback on payment of utility bills and fuel purchases
  • 2% cashback on foreign expenditure using FAB cashback credit card
  • 1% cashback on retail spends including online shopping
  • Cardholders get exclusive welcome benefit of AED 300 cashback
  • Enjoy two movie tickets at just AED 15 on weekdays and AED 20 on weekends
  • Get 20% discount on all Careem rides
  • Cardholders can enjoy complimentary access to more than 10 plus airport lounges all across the UAE

Emirates Islamic Bank Cashback Plus Card

Emirates Islamic Bank Cashback Plus Card
Airport Lounge Access
  • Minimum Salary AED 12,000
  • Annual Fee AED 299
  • Airport Lounge Access
  • Golf Benefits
  • Special Discounts
Reward Value: NA

Key Features & Benefits of Emirates Islamic Bank Cashback Plus Card:

  • A maximum of 10% cashback on education, dining, supermarket, and telecom spends
  • Unlimited free access to more than 1000 airport lounges globally
  • 2 round of golf any day of the week on a complimentary basis
  • An embedded RTA NoI chip that enables its card members to use the card for different payments on the RTA transit network
  • Facility of auto top-up for NoI as well as salik accounts
  • Gold Glass cabin accessibility on the metro
  • Travel accident & travel inconvenience insurance on all trips for a maximum of 90 days
  • Facility of balance transfer at 0% profit rate.

Citibank Citi Cashback Card

Citibank Citi Cashback Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 300 (Applicable from 2 Yr only)
  • Free for Life
  • Airport Lounge Access
  • Dining Discounts
  • Travel Insurance
  • Purchase Protection & Extended Warranty
Reward Value: NA

Key Features & Benefits of Citibank Citi Cashback Card:

  • Unlimited automatic cash back on all spends.
  • 3% cash back on foreign spend
  • 2% cash back on local spend
  • 1% cash back on all other spends
  • There is no minimum spend, no caps, and no redemption process with this card.
  • Access to more than 1,000 airport lounges globally on a complimentary basis.
  • 50 complimentary VoucherSkout offering the 50% off on total bills at more than 500 outlets (i.e. worth AED 250).

Deem Titanium Cash Up Credit Card

Deem Titanium Cash Up Credit Card
Free for Life
  • Minimum Salary AED 6,500
  • Annual Fee AED 200
  • Free for 1st year
  • Cashback
  • Airport Lounge Access
  • Travel Discounts
Reward Value: AED 4,333

Key Features & Benefits of Deem Titanium Cash Up Credit Card:

  • A maximum of 3% accelerated Cash Up upon making purchases at supermarket & grocery stores.
  • A maximum of 3% accelerated Cash Up on utilities spends such as telephone & electricity and on government services such as car registration, Salik, etc.
  • 3% accelerated Cash Up on fuel purchases at gas stations.
  • 5% accelerated Cash Up on all other retail transactions.
  • Avail lucrative deals & offers on amusement parks, dining, entertainment experiences, and tourist attractions, and more with the Deem Offers App.
  • Access to more than 10 airport lounges across the Middle East & the Levant.
  • Avail more than 900 offers across over 90 destinations & more than 600 merchants with the MasterCard Buy 1 Get 1 App.
  • 20% off on three Careem rides monthly.
  • A maximum of 15% off on Avis car rentals globally.

Standard Chartered Platinum Credit Card

Standard Chartered Platinum Credit Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 525 (First Year Free)
  • Free for 1st year
  • Airport Lounge Access
  • Dining Discounts
  • Travel Discounts
  • Hotel Discounts
Reward Value: AED 18,734

Key Features & Benefits of Standard Charted Platinum Credit Card:

  • 10% cash back on utility bills, school fees, and supermarket spend.
  • Unlimited free access to more than 20 domestic & international airport lounges.
  • Buy one get one free at Costa Coffee
  • Can avail three 20% discounted Careem rides every month
  • A maximum of 30% discount on travel with Cleartrip
  • A maximum of 10% discount when booked through Hotels.com

RAKBANK Titanium Credit Card

RAKBANK Titanium Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Free for Life
  • Airport Lounge Access
  • Dining Discounts
  • Movie Discounts
  • Hotel Discounts
Reward Value: AED 10,027

Key Features & Benefits of RAKBANK Titanium Credit Card Bank:

  • 5% cash back on dining and supermarket spends globally
  • A maximum of 50% cash back on cinema spends globally
  • 2% cash back can be earned on all local and international retail purchase transactions, internet transactions & international cash advances.
  • A maximum of 55 days no interest credit
  • Exciting offers on jewellery, dining, furnishing, holidays, electronics, furnishing, and a lot more.
  • Unlimited free access to more than 10 VIP airport lounges in certain airports.

CBD Super Saver Credit Card

CBD Super Saver Credit Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee Free for the first year
  • Free for 1st year
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Valet Parking
Reward Value: AED 13,867

Key Features & Benefits of CBD Super Saver Credit Card:

  • 10% cash back can be earned on retail spend categories that include bills, transport, supermarket, and education, capped at AED 200 per category every month.
  • A maximum of 1% cash back can be earned on every AED 2 on all other spends with no caps.
  • 50% off on movie tickets booked through VOX Cinemas throughout the UAE.
  • Complimentary Valtrans valet parking two times every month
  • Up to 8 free visits at 1000+ airport lounges globally through LoungeKey in a calendar year.

List of Best Cashback Credit Cards in UAE with Annual Fees & Minimum Salary 

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED) View Quotes
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

Best Travel Credit Cards in the UAE (July 2021)

Deem Platinum Miles Up Credit Card

Deem Platinum Miles Up Credit Card
Free for Life
  • Minimum Salary AED 10,000
  • Annual Fee AED 200
  • Free for Life
  • Airport Lounge Access
  • Dining Discounts
  • Valet Parking
  • Travel Discounts
Reward Value: AED 13,128

Key Features & Benefits of Deem Platinum Miles Up Credit Card:

  • 3x Miles Up can be earned on flight tickets, hotel reservations, and shopping
  • 1x Miles Up can be earned on all retail spends globally
  • Free valet parking
  • Access to more than 25 airport lounges in the Levant and the Middle East.
  • A maximum of 30% off with Cleartrip.
  • 20% off on three Careem rides per month
  • A maximum of 15% discount on Avis car rentals globally

ADCB Traveller Credit Card

ADCB Traveller Credit Card
Airport Lounge Access
  • Minimum Salary AED 20,000
  • Annual Fee AED 1,050
  • Free for 1st year
  • Airport Lounge Access
  • Golf Benefits
  • Hotel Discounts
  • Special Discounts
Reward Value: AED 9,635

Key Features & Benefits of ADCB Traveller Credit Card:

  • Unlimited free access at 900+ airport lounges globally.
  • 20% discount on air tickets when booked through Cleartrip.
  • 20% discount on hotel bookings
  • A maximum of 6 complimentary night stays at selected hotels globally
  • Exclusive discount on Starwood Hotels & Resorts
  • Free travel insurance
  • 20% discount on Careem rides

Najm Voyager Signature Credit Card

Najm Voyager Signature Credit Card
Airport Lounge Access
  • Minimum Salary AED 12,000
  • Annual Fee AED 524
  • Movie Discounts
  • Dining Discounts
  • Airport Lounge Access
Reward Value: AED 14,030

Key Features & Benefits of Najm Voyager Signature Credit Card:

  • 12 free visits across more than 1000 airport lounges globally via Visa Loungekey.
  • A maximum of 50% off on travel, cinema, dining, and entertainment.
  • 3 Voyager rewards can be earned for every AED spent internationally.
  • 2 Voyager rewards can be earned for every AED spent domestically.
  • 1 Voyager reward can be earned for every AED spent on school fees, utility bill payments, fuel purchases, and e-government spends.
  • Complimentary multi-trip travel insurance for a maximum of US$ 500,000

ADIB Etihad Visa Platinum Card

ADIB Etihad Visa Platinum Card
Airport Lounge Access
  • Minimum Salary AED 10,000
  • Annual Fee AED 2,000
  • Airport Lounge Access
  • Valet Parking
  • Purchase Protection & Extended Warranty
Reward Value: AED 19,272

Features & Benefits:

  • 50,000 Etihad Guest Miles as a sign up bonus.
  • 3 Etihad Guest Miles can be earned on each AED 4 spent internationally.
  • 2 Etihad Guest Miles can be earned on each AED 4 spent locally.
  • Complimentary companion ticket
  • Complimentary airport lounge access with LoungeKey.
  • Complimentary valet parking at some specific locations across the UAE.

Emirates NBD Skywards Signature Credit Card

Emirates NBD Skywards Signature Credit Card
Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 700
  • Airport Lounge Access
  • Golf Benefits
  • Valet Parking
Reward Value: AED 31,978

Key Features & Benefits of Emirates NBD Skywards Signature Credit Card:

  • A maximum of 40,000 Skywards Miles as a welcome bonus.
  • Free access to 1,000+ airport lounges globally through Loungekey.
  • A maximum of 1.5 Skywards Miles can be earned on every USD spent.
  • 4 free valet parking services
  • International travel and medical assistance
  • Travel insurance
  • 3% off on flight tickets and a maximum of 7% off on holiday packages.

List of Best Travel Credit Cards in UAE with Annual Fees & Minimum Salary 

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED) View Quotes
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

Best Cinema Offers Credit Cards in the UAE (July 2021)

Mashreq Novo Credit Card

Mashreq Novo Credit Card
Airport Lounge Access
  • Minimum Salary AED 5,000
  • Annual Fee AED 300
  • Balance Transfer
  • Airport Lounge Access
  • Movie Offers
Reward Value: NA

Key Features & Benefits of Mashreq Noor Credit Card:

  • Offers a 50% discount on cinema tickets.
  • A maximum of 8 discounted cinema tickets per month.
  • Exclusive counter for the cardholder at the ticketing as well as the F&B section across all NOVO cinemas.

Emirates NBD Go4It Gold Credit Card

Emirates NBD Go4it Gold Credit Card
Special Discounts
  • Minimum Salary AED 6,000
  • Annual Fee AED 99
  • Movie Discounts
  • Dining Discounts
  • Special Discounts
Reward Value: AED 3,840

Key Features & Benefits of Emirates NBD Go4it Gold Credit Card:

  • 5 Plus Points can be earned for every AED 400 spent.
  • Exclusive rate of AED 47.25 for 2 regular 2D VIP and 2D Standard movie tickets at VOX Cinemas.
  • 50% discount on movie tickets when booked at VOX Cinemas using the Visa credit card.

CBD Smiles Visa Signature Credit Card

CBD Smiles VISA Signature Credit Card
Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 1,048.95
  • Airport Lounge Access
  • Special Discounts
Reward Value: AED 15,782

Key Features & Benefits of CBD Smiles VISA Signature Credit Card:

  • 50% off on movie tickets when booked through VOX Cinema throughout the UAE.
  • Welcome bonus of 50,000 Smiles Points
  • Quarterly Bonus of 15,000 Smiles Points
  • A maximum of 3 Smiles Points on foreign spent and a maximum of 2 Smiles Points on local spent

RAKBANK World Credit Card

RAKBANK World Credit Card
Airport Lounge Access
  • Minimum Salary AED 20,000
  • Annual Fee AED 750
  • Airport Lounge Access
  • Special Discounts
Reward Value: AED NA

Key Features & Benefits of RAKBANK World Credit Card:

  • 50% discount on movie tickets when booked through VOX Cinema
  • Exclusive dining privileges at leading restaurants on a host of cuisines.
  • Free access at 1000+ airport lounges globally
  • Discount on chauffeur rides with Careem
  • Free nights at 200+ participating Marriott Bonvoy hotels

Emirates Citibank Ultima Credit Card

Emirates Citibank Ultima Credit Card
Airport Lounge Access
  • Minimum Salary AED 36,750
  • Annual Fee AED 3,000
  • Airport Lounge Access
  • Golf Benefits
  • Movie Discounts
  • Golf Benefits
  • Travel Insurance
Reward Value: NA

Key Features & Benefits of Emirates Citibank Ultima Credit Card:

  • Buy one get one free movie ticket at Reel & VOX cinemas per month.
  • Free Marhaba meet & greet two times in a year.
  • Entertainment & dining discount domestically and throughout 95 countries.
  • Free access to more than 1000 airport lounges globally

List of Best Cinema Offers Credit Cards in UAE with Annual Fees & Minimum Salary 

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED) View Quotes
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

Best Rewards & Offers Credit Cards in the UAE for July 2021

ADCB Touchpoints Infinite Credit Card

ADCB Touchpoints Infinite Credit Card
Airport Lounge Access
  • Minimum Salary AED 40,000
  • Annual Fee AED 1,050
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Travel Discounts
  • Hotel Discounts
Reward Value: AED 13,241

Key Features & Benefits of ADCB Touchpoints Infinite Credit Card:

  • 5 TouchPoints can be earned on every AED 1 spent with this card.
  • On spending AED 15,000 per month, you can earn 15,000 TouchPoints as a bonus.
  • Free 2 nights’ stay at Hotels.com across the world
  • Buy 1 Get 1 free on a maximum of 4 cinema tickets
  • Free golf access
  • Unlimited access at 850+ airport lounges globally on a complimentary basis
  • 4 free airport chauffer rides with Careem

ADIB Value+ Card

ADIB Value+ Card
Free for life
  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Free for Life
  • Dining Discounts
  • Airport Lounge Access
Reward Value: AED 3,996

Key Features & Benefits of ADIB Value + Card:

  • 1 Reward Point can be earned on each AED 1 spent locally
  • 2 Reward Points can be earned on each AED 1 spent internationally
  • Unlimited airport lounge access on a complimentary basis across the GCC/MENA region.
  • Exclusive priceless Arabia offers across sports activities, dining, travel, shopping, and much more.

HSBC Platinum Select Credit Card

HSBC Platinum Select Credit Card
Free for Life
  • Minimum Salary AED 10,000
  • Annual Fee Free For Life
  • Free for Life
  • Movie Discounts
  • Dining Discounts
  • Golf Benefits
Reward Value: AED 4,842

Key Features & Benefits of HSBC Platinum Select Credit Card:

  • 1 air mile can be earned for every AED 4 spent on the card
  • Buy one get one free cinema ticket offers throughout the UAE.
  • Attractive offers on dining, shopping, entertainment, & leisure at 19,000 outlets in 160 countries.
  • A maximum of 12% discount across 985,000 hotels & vacation rentals worldwide at Agoda.
  • 15% discount for 4 Careem rides per month
  • 2 Buy one get one free movie tickets through VOX Cinemas per month

Emirates Islamic Bank Flex Elite Credit Card

Emirates Islamic Bank Flex Elite Credit Card
Airport Lounge Access
  • Minimum Salary AED 25,000
  • Annual Fee AED 700
  • Airport Lounge Access
  • Valet Parking
  • Golf Benefits
Reward Value: AED 4,842

Key Features & Benefits of Emirates Islamic Bank Flex Elite Credit Card:

  • A maximum of 3.75 EI SmartMiles can be earned on every AED 1 spent.
  • 75,000 EI SmartMiles as a welcome bonus upon paying an annual fee for the 1st
  • Free unlimited access at 1000 airport lounges
  • 2 complimentary valet parking facility every month
  • Unlimited rounds of golf at any day in a week.
  • Free airport chauffeur ride with Careem
  • Exciting Visa infinite offers

List of Best Rewards & Offers Credit Cards in UAE with Annual Fees & Minimum Salary 

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED) View Quotes
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

Best Balance Transfer Credit Cards in the UAE  for July 2021

Mashreq Platinum Elite Mastercard Credit Card

Emirates Islamic Bank Flex Elite Credit Card
Airport Lounge Access
  • Minimum Salary AED 10,000
  • Annual Fee AED 650
  • Airport Lounge Access
  • Free for 1st year
  • Health Club Memberships
  • Airport Pick-Up / Drop
Reward Value: NA

Key Features & Benefits Emirates Islamic Bank Flex Elite Credit Card:

  • A maximum of 75% amount of the available credit limit can be transferred.
  • Favorable rate of interest
  • No need to submit income documentation.
  • Repayment of such transfers can be done in monthly installments of up to 36 months.

HSBC Black Credit Card

HSBC Black Credit Card
Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 1500
  • Airport Lounge Access
  • Movie Discounts
  • Golf Benefits
Reward Value: AED 14,883

Features & Benefits:

  • 0% rate of interest is charged for the initial 12 months on balance transfers.
  • Helps in saving on the interest amount
  • Helps in controlling your finances by consolidating & repaying your outstanding balances easily.

Emirates Islamic Skywards Infinite Credit Card

Emirates Islamic Skywards Infinite Credit Card
Airport Lounge Access
  • Minimum Salary AED 25,000
  • Annual Fee AED 2,000
  • Airport Lounge Access
  • Valet Parking
  • Golf Benefits
Reward Value: NA

Key Features & Benefits of Emirates Islamic Skywards Infinite Credit Card:

  • Opportunity to clear off the outstanding balance you owe to other banks with this card.
  • No profit rate is levied on the balance transfer.

ADCB Etihad Guest Platinum Credit Card

ADCB Etihad Guest Platinum Credit Card
Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 525
  • Airport Lounge Access
  • Dining Discounts
Reward Value: AED 10,396

Key Features & Benefits of ADCB Eithad Guest Platinum Credit Card:

  • The balance transfer facility offered by this card can be taken for tenors of up to 24 months.
  • The interest rate is charged as per the tenor.

Deem Titanium Cash Up Credit Card

Deem Mastercard Titanium Cash Up Credit Card
Free for Life
  • Minimum Salary AED 6,500
  • Annual Fee AED 200
  • Free for 1st year
  • Cashback
  • Airport Lounge Access
  • Travel Discounts
Reward Value: AED 4,333

Key Features & Benefits of Deem Mastercard Titanium Cash Up Credit Card:

  • Interest rate is charged on the amount that is transferred.
  • Helps in saving on the interest amount
  • Helps in controlling your finances by consolidating & repaying your outstanding balances easily.

List of Best Balance Transfer Credit Cards in UAE with Annual Fees & Minimum Salary 

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED) View Quotes
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
HSBC HSBC Zero Credit Card Free for Life 10000
United Arab Bank United Arab Bank Visa Titanium 300 6000

Credit Card - Features, Annual Fee, and Salary 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.

Chris standing up holding his daughter Elva

Final Words

As you can see, there is 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.

FAQ's on Best Credit Card in UAE

Which bank credit card is the best in the UAE?

Your credit card requirements and methods of use will determine which bank credit card is the best in the UAE. Various credit cards give rewards for different needs, for instance, the ADCB Traveler card will reward you for travel. On the other hand, RAKBANK Titanium Cash up credit card will give you cash back for shopping and utility bills. Figure out your needs and decide which card is the best for you!

 

How to use a credit card in the UAE?

You can use a credit card in the UAE for shopping, bill payments, travel bookings, flight bookings, and other purchases. However, be cognizant of the following factors while using the credit card in the UAE to earn the maximum benefits:

  • Make complete payment
  • Bonus on sign-up
  • Avoid late payments
  • Know your bill cycle

 

What are some of the best credit card offers in the UAE?

Some of the best credit cards offers in the UAE are:

  • Reward on travel such as complimentary access to the airport lounge, buy 1 get 1 offer, etc.
  • Cinema Offers such as buy 1 get 1 movie ticket, 30% discount on VOX cinema, etc
  • Cashback offers that provide pre-specified cashback on shopping, grocery, utility bills, and bill payments
  • Balance Transfer offers that allow you to transfer the debt on your credit card to the other credit card at lower interest rates.
Is having more than 2-3 credit cards advisable?

If you are able to manage your credit card payments without delay, you can have more than 2-3 credit cards. Having different types of credit cards may increase your ability to extract maximum benefits on every purchase.

What are the best credit cards with no annual fee?

Some of the best credit cards with zero annual fees are:

  • RAKBANK Titanium Credit Card
  • Deem Platinum Miles Up Credit Card
  • ADIB Value Plus Card
  • HSBC Platinum Select Credit Card
What is the most expensive credit card?

Defining expensive as per the annual fee, some of the most expensive credit cards are:

  • ADCB Traveler Credit Card
  • Emirates CitiBank Ultima Credit Card
  • ADCB Touchpoint Infinite Credit Card
  • HSBC Black credit card
  • Emirates Islamic Skywards Infinite credit card

 

 

 

However, the benefits offered by these cards, if used properly, justify their annual fee and provide you more benefits.

 

What is the most overrated credit card?

Any credit card which does not reduce your expenses while charging a high annual fee is overrated.