Finding the best credit card in UAE 2022 can be rather perplexing given the overwhelming options you have and the amazing benefits that they all offer. Choosing the best credit cards is very important as it is linked with lots of benefits & service charges, we want to make sure you get maximum benefits and minimum service charges. From best cashback credit cards to reward credit cards, there are ample cards available for every use and mood. To help you kick-start your search for the best credit card in UAE, we have compiled a small list of our favorites. These cards are categorised according to their type and further segregated as per the value-added services that each one offers. Here is a list of the best credit cards in UAE for May 2022.
Key Features and Benefits of Deem Titanium Cash Up Credit Card:
A maximum of 3% accelerated Cash Up upon making purchases at supermarket and grocery stores.
A maximum of 3% accelerated Cash Up on utilities spends such as telephone and 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 and 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 and the Levant.
Avail more than 900 offers across over 90 destinations and 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.
Key Features and 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 and Minimum Salary
FAB Infinite credit card offers following travel benefits.
For international transactions, you don& rsquo;t need to pay any foreign transaction fee except for currency conversions.
Using the credit card, you get up to 6 complimentary airport transfers very year for a fare of up to AED 100
The card also offers up to 6 complimentary Meet and Greet services per year from AED 40 for individual bookings and AED 100 for family bookings.
With the FAB Infinite credit card, you get complimentary access to over 1000 airport lounges across the globe.
To secure your trips and travels, the card also offers complimentary travel insurance of up to AED 1 million in case of travel accidents and inconveniences.
Using FAB Infinite credit card for travel bookings, you also get travel and medical assistance.
List of Best Travel Credit Cards in UAE with Annual Fees and Minimum Salary
* 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.
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 and charges. This will enable you to choose the best credit card as per your usage pattern.
Banks in Dubai have a variety of credit cards offering a range of benefits tailored to cater to a wide spectrum of customer requirements. If you are looking for an affordable best credit card in UAE, Dubai then the best choices for you are Emirates NBD Lulu Credit Card, Emirates Ultima Credit Card, ADIB Cashback Credit Card, DIB Platinum Credit Card, Citibank Simplicity credit card, HSBC Zero 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.
How to choose the best credit card in UAE?
Before choosing the best credit card as per your requirements, you need to consider your income and expenses and then opt for a card based on your budget and requirements. Among all the cards that you can afford, you must take a look at their fees, types of rewards and additional charges if/any applicable. Once you have outlined your requirements, it becomes very easy to select the best credit cards in the UAE.
How to get a credit card in the UAE?
There are various ways to apply for a credit card in the UAE, you can visit a bank’s official website or visit the nearest bank branch. Alternatively, you can use Policybazaar.ae to compare and apply for the best credit cards in the UAE.
What is the minimum income required to apply for a credit card in Dubai, UAE?
To apply for a credit card in the UAE, you need to have a minimum monthly income of AED 5,000 or above.
What are the documents required to get a credit card in the UAE?
Different banks may have different list of documents they may need from applicants. However, there is a generic list that’s applicable in most cases.
A valid passport in original and a copy for record and validation,
An Emirates ID for UAE nationals and residents,
Utility bills or lease/rent agreements for the proof of address,
Bank account statements (3-6 months, depending on the bank),
Salary certificate from your current employer (not older than a month) Or, the latest salary slip,
What is considered a good credit score for credit card application in UAE?
Each bank in the UAE has its own definition of a good credit score, however with a credit score of above 650 you can apply for most credit cards in the UAE.
Which are the best cashback credit card in UAE?
Numerous bank offer cashback credit cards in the UAE with up to 10% cashback on your daily credit card expenses. However, if you are looking for an affordable cashback credit card that rewards you each on every expense, you can choose FAB Cashback credit card, Mashreq Cashback credit card or ADCB Lulu Titanium credit card.
What are differences between cashback and rewards on credit cards in the UAE?
Both cashback and reward credit cards are the loyalty benefits that you receive on your credit card expenses. You get rewards on every credit card expense while, the cashback is available at selected outlets and partner merchants only. Additionally, cashback is a monetary benefit that you receive as a percentage of your expenditure, while a reward point can be converted into shopping, travel, entertainment and lifestyle benefits depending upon the privileges your credit card offers.
Which is the most affordable credit card with lenient eligibility criteria?
Most cashback credit cards in the UAE are affordable with a low salary requirement of AED 5,000 and no annual fee.
What is the eligibility for a credit card in UAE?
Before applying for a credit card, an individual needs to satisfy a few eligibility criteria such as age, residency and income. To apply for a credit card an individual needs to be at least 21 years old or above and must have a UAE residency proof or a valid visa permit. In addition, he/she also needs to satisfy the income requirement depending on the credit card.
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 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.
No Annual Fee
Dining Discounts
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