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Best credit cards with 0 Annual fee*
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.
Credit Card Specialty | Credit Card |
---|---|
Best Credit Card In UAE for Retail Spends at Lulu | Emirates NBD Lulu Credit Card |
Best Islamic Cash Back Credit Card | ADIB Cashback Visa Platinum Card |
Best Premium Credit Card in UAE | Citibank Ultima Credit Card |
Best Credit Card for Grocery Shopping | DIB Platinum Credit Card |
Best Balance Transfer Credit Card | HSBC Zero Credit Card |
Best Cash Back Credit Card | Emirates Islamic Cashback Plus Credit Card |
Best Travel Credit Card | ADCB Traveller Credit Card |
Best Credit Card in UAE for Lifestyle Rewards | HSBC Platinum Select Credit Card |
Best Shopping Credit Card | Standard Chartered Manhattan Platinum |
Best Free Credit Card in UAE for Cash Back | RAKBANK RED Credit Card |
Best Free for Life Credit Card | Citi Simplicity Credit Card |
Here are the best credit cards in UAE, categorized with cashback, travel rewards, cinema offers, rewards, and balance transfer features.
Compiled list of the top cashback credit cards which can be labeled as the best credit card in UAE
Key Features and Benefits of FAB Cashback Credit Card :
Key Features and Benefits of Emirates Islamic Bank Cashback Plus Card:
Key Features and Benefits of Citibank Citi Cashback Card:
Key Features and Benefits of Deem Titanium Cash Up Credit Card:
Key Features and Benefits of Standard Charted Platinum Credit Card:
Key Features and Benefits of RAKBANK Titanium Credit Card Bank:
Key Features and Benefits of CBD Super Saver Credit Card:
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 | ![]() |
You may also like this - List of Best Cashback Credit Cards in UAE to Apply |
Compiled list of the top travel credit cards which can be labeled as the best credit card in UAE
Key Features and Benefits of Deem Platinum Miles Up Credit Card:
Key Features and Benefits of ADCB Traveller Credit Card:
Features and Benefits:
Key Features and Benefits of Emirates NBD Skywards Signature Credit Card:
FAB Infinite credit card offers following travel benefits.
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 | ![]() |
You may also like this - List of Best Travel Credit Cards in UAE to Apply |
Compiled list of the top cinema offers credit cards which can be labeled as the best credit card in UAE.
Key Features and Benefits of Emirates NBD Go4it Gold Credit Card:
Key Features and Benefits of CBD Smiles VISA Signature Credit Card:
Key Features and Benefits of RAKBANK World Credit Card:
Key Features and Benefits of Emirates Citibank Ultima Credit Card:
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 | ![]() |
You may also like this - List of Best Cinema Offer Credit Cards in UAE to Apply |
Compiled list of the top rewards and offers credit cards which can be labeled as the best credit card in UAE.
Key Features and Benefits of ADCB Touchpoints Infinite Credit Card:
Key Features and Benefits of ADIB Value + Card:
Key Features and Benefits of HSBC Platinum Select Credit Card:
Key Features and Benefits of Emirates Islamic Bank Flex Elite Credit Card:
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 | ![]() |
You may also like this - List of Best Rewards & Offers Credit Cards in UAE to Apply |
Compiled list of the top balance transfer credit cards which can be labeled as the best credit card in UAE.
Key Features and Benefits Emirates Islamic Bank Flex Elite Credit Card:
Features ; Benefits:
Key Features and Benefits of Emirates Islamic Skywards Infinite Credit Card:
Key Features and Benefits of ADCB Eithad Guest Platinum Credit Card:
Key Features and Benefits of Deem Mastercard Titanium Cash Up Credit Card:
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 | ![]() |
You may also like this - List of Best Balance Transfer Credit Cards in UAE to Apply |
Card Name | Minimum Salary Requirement (In AED) | Annual Fee (In AED) | Best Feature |
---|---|---|---|
Citibank Citi Cashback Credit Card | 8000 | 300* | CashBack |
Standard Chartered Platinum Credit Card | 5000 | 525 | CashBack |
RAKBANK Titanium Credit Card | 10000 | Free for Life | CashBack |
CBD Super Saver Credit Card | 8000 | 840** | CashBack |
Deem MasterCard Platinum Miles Up Credit Card | 10000 | Free for Life | Travel |
ADCB Traveller Credit Card | 20000 | 1050 | Travel |
ADIB Etihad Visa Platinum Credit Card | 10000 | 700 | Travel |
Emirates NBD Skywards Signature Credit Card | 15000 | 700 | Travel |
Mashreq Novo Credit Card | - | 300 | Cinema |
Emirates NBD Go4it Gold Card | 5000 | 99 | Cinema |
CBD Smiles Visa Signature Credit Card | 15000 | 999 | Cinema |
RAKBANK World Credit Card | 35000 | 999 | Cinema |
Emirates Citibank Ultima Credit Card | 36750 | 3000 | Cinema |
ADCB Touchpoint Infinite Credit Card | 40000 | 1050 | Rewards Offers |
ADIB Value+ Credit Card | 5000 | Free for Life | Rewards Offers |
HSBC Platinum Select Credit Card | 5000 | Free for Life | Rewards Offers |
Emirates Islamic Flex Elite Credit Card | 25000 | 700 | Rewards Offers |
Mashreq Platinum Elite Credit Card | 7000 | 650 (From the 2nd Year) | Balance Transfer |
HSBC Black Credit Card | - | 1500 | Balance Transfer |
Emirates Islamic Skywards Infinite Credit Card | 25000 | 2000 | Balance Transfer |
ADCB Etihad Guest Platinum Credit Card | - | 525 | Balance Transfer |
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.
Ramadan Credit Card Offers |
Global Village Ticket Offer on Credit Card |
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.
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.
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.
To apply for a credit card in the UAE, you need to have a minimum monthly income of AED 5,000 or above.
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.
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.
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.
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.
Most cashback credit cards in the UAE are affordable with a low salary requirement of AED 5,000 and no annual fee.
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.
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!
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:
Some of the best credit cards offers in the UAE are:
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.
Some of the best credit cards with zero annual fees are:
Defining expensive as per the annual fee, some of the most expensive credit cards are:
However, the benefits offered by these cards, if used properly, justify their annual fee and provide you more benefits.
Any credit card which does not reduce your expenses while charging a high annual fee is overrated.