Best Credit Cards in UAE - October 2022 Comprehensive Category wise Top Rated Credit cards List
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.
Best Credit Card in UAE October 2022 - List of Top 10 Best Credit Cards
Policbazaar UAE brings you the well-researched list of the best credit cards in UAE for October 2022 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 aboved in the table -:
1. Citi Cash Back Credit Card
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.
Citibank Citi Cashback Credit Card
Free for Life
Minimum Salary AED 8,000
Annual Fee AED 0
Travel Insurance
Airport Lounge Access
Purchase Protection & Extended Warranty
Dining Benefit
Welcome Offer: Get AED 200 Cashback Receive exciting discounts & AED 200 cashback on minimum spending AED 5,000 in 90 days. T&C apply
Features & Benefits of Citibank Citi Cashback Credit Card
Credit Card
Features
Benefits
Citibank Citi Cashback Credit Card
Unlimited automatic cash back on all 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
3% cash back on foreign spend
2% cashback on local spend
1% cashback on all other spends
2. Emirates Ultima Credit Card
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
Emirates Ultima Credit Card
The primary cardholder gets exclusive metal card.
With Easy Instalment Plans, you can pay off a big purchase in monthly instalments.
You can link your Emirates Ultima credit card to the Citi Mobile App for secure transactions.
Enjoy discounts and privileges on dining and entertainment locally and across 95 countries with Citi World Privileges.
You can earn quick skyward miles on every Dirham spent.
You can get an instant cash loan of AED 16,000 approved in just a few clicks.
3. Mashreq Platinum Elite Credit Card
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
Mashreq Platinum Elite Credit Card
Unlimited complimentary access to over 1000 airport lounges across the world
Earn Salaam Points on all your local and international spends with this travel credit card offers in UAE
3 free Limousine airport transfers in Abu Dhabi and Dubai
Get 50% off on up to 4 movie tickets every month for VOX, Reels, and Novo cinemas
4. ADCB Traveller Credit Card
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.
Unlimited free access at 900+ airport lounges globally.
A maximum of 6 complimentary night stays at selected hotels globally
Exclusive discount on Starwood Hotels and Resorts
20% discount on air tickets when booked through Cleartrip.
20% discount on hotel bookings
20% discount on Careem rides
Free travel insurance
5. Emirates Islamic Cashback Plus Credit Card
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
Emirates Islamic Cashback Plus Card
Complimentary access to over 1,000 airport lounges across the world
2 complimentary sessions of golf every month with this credit card offer in UAE
Get up to 10% cashback on grocery shopping all across the UAE
Enjoy 10% cashback on education, dining, and telecom related spends
6. ADIB Cashback Credit Card
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.
Get a free grace period of up to 55 days to pay off your outstanding balance.
7. Standard Chartered Manhattan Platinum
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
Standard Chartered Manhattan Platinum Credit Card
Get reward points on every shopping and dining.
Gain 1 reward point for every $1 spent on your credit card within the UAE or internationally.
Savings of over AED 10, 000 annually.
Buy 1 get 1 offer at Costa Coffee.
Buy 2 get 1 offer at VOX cinemas and Reel Cinemas.
Discount on flights and hotel packages at Expedia.com with a minimum spending of USD 1200.
8. DIB Platinum Credit Card
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.
Minimum salary of AED 5,000 to avail of the credit card.
The card covers you for medical and legal referrals.
You can use the DIB Platinum Credit Card to pay off your outstanding amount on other bank’s credit card with Bank Transfer Facility.
Earn bonus Skyward Miles of up to 100,000.
Avail of 0% easy payment plan when you buy Emirates tickets to any location using emirates.com.
25% off on online transactions via Zomato across the UAE.
9. Emirates NBD LuLu Credit Card
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
Emirates NBD LuLu 247 Titanium Credit Card
Get up to 3.5% rewards when you shop at Lulu online stores or in-store.
Earn up to 2% reward points on all spends made on fuels.
Enjoy 1% reward points on utility bills and 0.35% reward points on other spends.
Get exclusive shopping privileges and offers at LuLu stores like priority checkouts, exclusive access to deals and promotions and free shipping.
Enjoy a buy 1 and get 1 movie ticket offer at VOX cinemas.
Receive 500 LuLu Points as a welcome offer when you activate your credit card.
10. HSBC Platinum Select Credit Card
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.
Best Cashback Credit Cards in UAE for October 2022
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 October 2022:
Citibank Citi Cashback Credit Card
Emirates Islamic Cashback Plus Credit Card
Mashreq Cashback Credit Card
ADIB Cashback Visa Platinum Card
CBD Super Saver Credit Card
Here we are explaining the best cashback credit cards with Features & Benefits
Citibank Citi Cashback Credit Card
Get up to 3% cashback on all your international non-AED spends
Earn up to 2% cashback on supermarket and grocery spends
Up to 1% cashback on all other types of spends
Enjoy complimentary access to over a thousand airport lounges across the world
Get 50 VoucherSkout credits free and enjoy up to 50% discount on over 500 meal outlets
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:
FAB Infinite Travel Credit Card
Mashreq Platinum Elite Credit Card
Emirates NBD Skywards Signature Credit Card
Standard Chartered Visa Infinite Credit Card
ADIB Etihad Visa Platinum Credit Card
Here we are explaining the best travel credit cards with Features & Benefits
FAB Infinite Travel Credit Card
Enjoy a welcome travel voucher worth AED 1,500 when you activate your card to be used at the FAB travel porta.
Get up to 6 free airport transfers with this travel credit card
Free unlimited access to more than 1,000 airport lounges across the world
Complete all your international transactions without any foreign transaction fee
One night of complimentary stay on hotel bookings of more than 3 nights via the FAB travel portal
Best Cinema Offers Credit Cards in UAE (October 2022)
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:
Emirates Citibank Ultima Credit Card
ADCB Touchpoints Gold Credit Card
Emirates NBD Go4it Gold Card
Standard Chartered Bank Manhattan Platinum Credit Card\
Here we are explaining the bestCinema Offerscredit cards with Features & Benefits
Emirates Citibank Ultima Credit Card
‘Buy 1 and get 1 free’ movie ticket on Reels and VOX cinema every month
Up to 50% off dining and food delivery vouchers with the VoucherSkout offer
Opportunity to attend 2 Marhaba meet and greets every year
Get 2.5 Skyward miles on every dollar spent on Emirates.com spends, 1.5 Skyward miles for every dollar spent on non-UAE transactions, and 1 Skyward mile on local transactions
Best Rewards Offers Credit Cards in UAE for October 2022
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:
Citi Rewards Credit Card
ADCB Touchpoint Infinite Credit Card
FAB Abu Dhabi Titanium Card
Citi Premier Credit Card
HSBC Platinum Select Credit Card
Here we are explaining best rewards offers for credit cards in UAE with features & benefits
Citi Rewards Credit Card
Earn 1.5 ThankYou Points on every international non-AED currency spent
1 ThankYou Point on every locally spent dirham
50 complimentary VoucherSkout credits
Enjoy the card for free for the 1st year and remove the annual fee after by making a minimum annual spend of AED 9,000
Best Balance Transfer Credit Cards in UAE (October 2022)
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:
Emirates NBD MasterCard Titanium Credit Card
Mashreq Bank Platinum Elite Credit Card
CBD World MasterCard Credit Card
HSBC Black Credit Card
Here we are explaining best balance transfer credit cards in UAE with features & benefits.
Emirates NBD MasterCard Titanium Credit Card
Balance transfer facility with 3% of the outstanding balance as a fee
Complimentary access to over 10 VIP airport lounges
1 Plus Point every time you spend AED 100 using the card
Enjoy up to 40% discount on more than 100 golf courses around the world
Best Free for Life Credit Cards for October in UAE
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:
CBD Visa Infinite Credit Card
Citibank Simplicity Credit Card
ADIB Value Credit Card
CBD Visa Platinum Credit Card
Here we are explaining best free for life credit cards with features & benefits.
CBD Visa Infinite Credit Card
Enjoy one of the best credit cards in UAE from CBD free for your entire life
Get 50% off on VOX cinema tickets every month
Enjoy unlimited complimentary access to airport lounges
Complimentary multi-trip insurance for your international travels
Enjoy complimentary supplementary credit cards for friends and family
List of Best Free for Life Credit Cards with Annual Fee & Minimum Balance Required
Bank
Credit Card Name
Salary Requirement
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
Best Credit Cards for Grocery Shopping in UAE
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:
Emirates Islamic Cashback Plus Credit Card
CBD Super Saver Credit Card
RAKBANK World Credit Card
Standard Chartered Platinum Credit Card
Here we are explaining best credit cards for grocery shopping with features & benefits
Emirates Islamic Cashback Plus Credit Card
Get up to 10% cashback on grocery shopping all across the UAE
Enjoy 10% cashback on education, dining, and telecom related spends
Complimentary access to over 1,000 airport lounges across the world
2 complimentary sessions of golf every month with this credit card offer in UAE
List of Banks offering Online Approval for Credit Card in October 2022 in UAE
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:
Citibank
Mashreq Bank
Deem Finance
Commercial Bank of Dubai
Emirates NBD
Newly Launched Credit Cards in UAE in 2022
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 Credit Cards
Liv Credit Card by Emirates NBD
Deem Finance Credit Cards
Deem Finance has launched two incredible new credit cards with hosts of features:
Deem Cash Up Credit Card – One of the best credit cards in Dubai with cashback and rewards offers, it is ideal for individuals who use credit cards mostly for shopping and paying bills.
Deem Miles Up Credit Card – It is among the best credit cards in UAE for Air Miles and rewards offers and is ideal for individuals who travel frequently.
Liv Credit Card by Emirates NBD
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.
FAQ's
Which is the best credit card in Dubai?
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.
How to choose the best credit card in UAE?
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.
What is the minimum income required to apply for a credit card in Dubai, UAE?
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.
How to get a credit card in the UAE?
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.
What are the documents required to get a credit card in the UAE?
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.
What is considered a good credit score for credit card applications in UAE?
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.
Which are the best cashback credit cards in UAE?
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.
What are the differences between cashback and rewards on credit cards in the UAE?
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.
Which is the most affordable credit card with lenient eligibility criteria?
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.
What is the eligibility for a credit card in 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.
Which bank’s credit card is the best in the UAE?
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.
How to use a credit card in the UAE?
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.
What are some of the best credit card offers in UAE?
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.
Is having more than 2-3 credit cards advisable?
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.
Which are the best credit cards with no annual fee?
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.
Which is the most expensive credit card in 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.
Which is the most overrated credit card?
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.
Which credit card is best in UAE for an AED 5000 salary?
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.
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Find out how to activate Mashreq credit cards or set PIN online by net banking or offline by visiting the Mashreq ATM. Read this Article for more information.
Find out how to activate Deem credit cards or set PIN online by net banking or offline by visiting the Deem ATM. Read this Article for more information.
RAKBANK Credit Card Statement - Know How to get RAKBANK Credit Card Statement Online & Offline in UAE. Check how to read and understand the credit card statement & read FAQs.
Standard Chartered Bank Credit Card Statement - Know How to get Standard Chartered Credit Card Statement Online & Offline in UAE. Check how to read and understand the credit card statement & read FAQs.
Emirates ADCB Credit Card Application Status - If you want to check your ADCB credit card application status in UAE. Here we discussed how can you check ADCB credit card status online & offline.
Emirates HSBC Credit Card Application Status - If you want to check your HSBC credit card application status in UAE. Here we discussed how can you check HSBC credit card status online & offline.
ADIB Credit Card Statement - Know How to get ADIB Credit Card Statement Online & Offline in UAE. Check how to read and understand the credit card statement & read FAQs.
Ajman Bank Credit Card Login - Know how to Register for Ajman Bank Credit Card net banking. Check credit card statements, paying dues,& more. And also, know how to change the password of credit card through net banking.
Emirates NBD Credit Card Login - Know how to Register for Emirates NBD Credit Card net banking. Check credit card statements, paying dues,& more. And also, know how to change the password of credit card through net banking.
Citibank Credit Card Login - Know how to Register for Citibank Credit Card net banking. Check credit card statements, paying dues,& more. And also, know how to change the password of credit card through net banking.
Emirates Islamic Credit Card Login - Know how to Register for Emirates Islamic Credit Card net banking. Check credit card statements, paying dues,& more. And also, know how to change the password of credit card through net banking.
FAB Credit Card Login - Know how to Register for FAB Credit Card net banking. Check credit card statements, paying dues,& more. And also, know how to change the password of a credit card through net banking.
Standard Chartered Bank Credit Card Application Status - If you want to check your Standard Chartered credit card application status in UAE. Here we discussed how can you check Standard Chartered Bank credit card status online & offline.
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