Best Credit Cards in UAE

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Best Credit Cards in UAE April 2024 - List of Top 11 Best Credit Cards

Look out for the top credit cards loaded with rewards like cashback, airmiles, lifestyle benefits, and more. Find a detailed list of the best credit cards in UAE for April 2024 below.

1. ADCB 365 Cashback Credit Card

ADCB 365 Cashback Credit Card offers a myriad of benefits and rewards year-round. Besides an impressive welcome bonus, you can get benefits from up to 6% cashback on dining and 5% on groceries to 3% on utilities, telecom, fuel, Salik, and more. It is designed to ensure maximum value on your daily expenses while providing an array of lifestyle and travel perks.

Features & Benefits of ADCB 365 Cashback Credit Card

Credit Card Features Benefits

Abu Dhabi Commercial Bank 365 cashback credit card
 
  • Minimum monthly income required – AED 8,000
  • Get welcome bonus of AED 365 when you spend AED 5,000 or more within 45 days of card issuance
  • 0% interest payment plan on school fee payments and balance transfer & credit card loan
  • Get discounts on hotels, movies, dining, and more
 
  • Free for first year
  • Buy 1 get 1 free tickets at VOX Cinemas
  • 5% cashback on groceries
  • 6% cashback on dining and online orders
  • 3% cashback on utilities, fuel, Salik, and telecom
  • 1% cashback on all retail purchases
  • Earn up to AED 1,000 cashback per month across all the expenses

2. Emirates Islamic Cashback Credit Card

Emirates Islamic Cashback Credit Card rewards your spending with attractive cashback rates and exceptional benefits. You can earn up to 5% cashback on electronic store purchases and telecom, as well as 1% guaranteed cashback on all local and international transactions, with no minimum spend required. This cashback credit card delivers value and convenience for your everyday financial objectives.

Features & Benefits of Emirates Islamic Cashback Credit Card

Credit Card Features Benefits

Emirates Islamic Cashback Credit Card
 
  • Minimum monthly income required – AED 5,000
  • Get cashback on your spends
  • No minimum spend is required to avail of the benefits
  • Free supplementary cards
  • No blackout date for cashback redemption
  • Purchase protection for lost, stolen, or damaged goods
  • Get a chance to transfer your credit card balance to the card and lower your monthly payments
  • 3D secure feature for online shopping
 
  • Up to 5% cashback on electronic store purchases and telecom
  • Up to 1% guaranteed cashback on local and international transactions
  • Extended warranty benefit is available
  • Up to 25% cashback on more than 1,500 brands at cashbacksouk.ae
  • Get an easy payment plan for your big purchases

3. FAB Cashback Credit Card

The FAB Cashback Credit Card offers a plethora of features and advantages. The primary features are offered in the travel, lifestyle, and protection segments. The table below enlists all the features and benefits.

Features & Benefits of FAB Cashback Credit Card

Credit Card Features Benefits
FAB Cashback Credit Card 
  • Get exclusive cashback on spend.
  • Get complimentary lounge access at over 10 airports in the UAE, Kuwait, Egypt, Jordan, and KSA.
  • Get protection benefits such as credit shields and wallet shields.
 
  • Receive AED 1,000 cashback on spending AED 10,000 within the first 90 days of card issuance.
  • Enjoy monthly cashback of up to AED 600 and more.
  • Enjoy a flat 15% discount on hotel rooms at IHG Hotels & Resorts.
  • Get flat 20% off on car rental with Avis.

4. FAB SHARE Platinum Credit Card

The FAB SHARE Platinum Credit Card helps you earn SHARE points upon making multiple purchases. Additionally, the card provides exclusive offers and discounts on travel, shopping, dining, entertainment, and more.

Features & Benefits of FAB SHARE Platinum Credit Card

Credit Card Features Benefits
FAB SHARE Platinum Credit Card
  • Minimum monthly salary required- AED 10,000
  • Exclusive discounts on airport transfers with Visa and Careem.
  • Avail of up to four free supplementary cards for your family.
  • Availability of Purchase Protection feature that covers accidental damage, non-delivery, or theft of purchases for up to 12 months from the purchase date.
  • Receive 10000 SHARE points with no spending condition as a welcome offer. (Validity: 5th Feb- 31st May)
  • Get up to 7% value back in SHARE points at Carrefour for each AED 1 spent.
  • Get up to 6.25% value back in SHARE points at Ski Dubai, VOX cinemas, Dreamscape, Little Explorers, and Magic Planet.
  • Enjoy 2-for-1 offers with the Entertainer App and Visa

5. Liv. Platinum Credit Credit Card

You can elevate your financial experience with Emirates NBD Liv. Platinum Credit Card, tailored to meet the requirements of today’s savvy customers. With this card, you can earn rewards on spends (redeemable for exclusive gifts), vouchers, and Skyward Miles to enrich your lifestyle. Take advantage of the attractive discounts on dining, travel, and entertainment while enjoying the no annual fees on the card.

Features & Benefits of Liv. Platinum Credit Credit Card

Credit Card Features Benefits

Emirates NBD Liv. Platinum Credit Card
 
  • Minimum monthly income required – AED 10,000
  • Access to over 25 airport lounges
  • Flexible reward programme with two options – Cashback or Skywards
  • Enjoy exclusive dining discounts
 
  • Free for life
  • Up to AED 12,000 cashback per annum or 1 Skyward Mile for every AED 1 spent
  • Up to 15% cashback on transactions or 1 Skyward Mile for every AED spent
  • 10% off on cleartrip flight booking
  • Buy 1 get 1 offer on dining and lifestyle
  • 10% off hotels.com discount

6. Liv. World Credit Card

You can get access to a world of luxury and convenience with the Emirates NBD World Credit Card. Earn Skywards Miles on every purchase, and get exclusive benefits, including complimentary airport lounge access, discounts on various flight bookings, and more.

Features & Benefits of Liv. World Credit Card

Credit Card Features Benefits

Emirates NBD Liv. World Credit Card
 
  • Minimum monthly income required – AED 10,000
  • Lounge access to more than 850 airport lounges across the world
  • Flexible rewards programme – Cashback or Skywards
  • Earn rewards on frequently spend categories
 
  • Up to AED 18,000 cashback per annum or up to 10,000 skywards miles per annum.
  • Up to 15% cashback on transactions or up to 1 Skywards Mile for every AED spent
  • 10% off on cleartrip flight booking
  • Buy 1 get 1 offer on dining and lifestyle
  • Buy 1 get 1 offer on VOX Cinemas ( 3 tickets per month)

7. Commercial Bank of Dubai Titanium MasterCard Credit Card

Commercial Bank of Dubai Titanium Credit Card is a feature-rich card to cater to your daily needs while also providing exceptional rewards and benefits. You can benefit from exclusive offers and discounts on shopping, dining, and entertainment across the UAE, as well as access to airport lounges. Apart from its offers, its cashback reward program has made it a top-notch choice in UAE.

Features & Benefits of Commercial Bank of Dubai Titanium MasterCard Credit Card

Credit Card Features Benefits

Commercial Bank of Dubai Titanium Credit Card
 
  • Minimum monthly income required – AED 5,000
  • Free airport lounge access in the Middle East
  • Earn CBD reward points for every AED spent
  • Protection against fraud with integrated technology 
  • Provides multiple travel, hospitality, dining, and wellness benefits
 
  • Free for life
  • Free supplementary card for family (age above 15 years)
  • Up to 10% cashback on your spends on Booking.com
  • 10% off at rentalcars.com 
  • 50% discount on 2 cinema tickets at Novo cinemas per calendar month

8. Commercial Bank of Dubai Super Saver Credit Card

Commercial Bank of Dubai Super Saver Credit Card maximises your savings with a good cashback program and a host of valuable benefits. You can earn up to 10% cashback on your everyday expenses, including groceries, dining, fuel, utility bills, and more, and make your spending much more rewarding.

Features & Benefits of Commercial Bank of Dubai Super Saver Credit Card

Credit Card Features Benefits

Commercial Bank of Dubai Super Saver Credit Card
 
  • Minimum monthly income required – AED 8,000
  • Free airport lounge access
  • Complimentary valet parking every month
  • Avail golf benefits
  • Supplementary card facility available
  • CBD credit shield to insure your credit card’s outstanding balance 
  • The card comes with chip and pin feature, making your purchases and bill payments easy and more secure
 
  • No annual fee for the first year
  • Up to 10% cashback on everyday retail spend categories
  • Get exclusive 50% discounts on movie tickets
  • 4 complimentary rounds of Golf at Trump International Golf Club every month
  • Get 2–for–1 offers on the Entertainer app
  • 15% discount on Dubai Ice Rink session tickets

9. Emirates NBD Lulu 247 Titanium Credit Card

Emirates NBD Lulu Titanium Credit card can be your ultimate shopping companion, as it offers a myriad of benefits tailored for Lulu hypermarket enthusiasts in the UAE. You can earn Lulu points on every spend, which can be redeemed later for exclusive discounts at Lulu stores.

Features & Benefits of Emirates NBD Lulu 247 Titanium Credit Card

Credit Card Features Benefits

Emirates NBD Lulu 247 Titanium Credit Card
 
  • Minimum monthly salary required – AED 5,000
  • Complimentary access to lounges at more than 10 regional airports
  • Enjoy movie discounts
  • Earn Lulu points on spends
  • Redeem Lulu points at over 70 Lulu stores
 
  • Free for life 
  • Welcome offer – 0% interest on balance transfers with no processing fees
  • 3.5% on Lulu in-store and online spends
  • 1% on utility bill payments
  • 0.35% on other spends

10. Emirates NBD U By Emaar Family Credit Card

Emirates NBD U by Emaar Family Credit Card is designed to enhance your lifestyle with exclusive rewards and benefits tailored for residents in the UAE. You can earn Upoints on every spend and redeem them later across Emaar's vast portfolio of hotels, restaurants, and entertainment venues. With the U by Emaar Family Credit Card, experience a world of privileges designed to improve your living and leisure experiences.

Features & Benefits of Emirates NBD U By Emaar Family Credit Card

Credit Card Features Benefits

Emirates NBD U by Emaar Family Credit Card
 
  • Minimum monthly income required – AED 5,000
  • Earn Upoints on every spend
  • Attractive dining and movie discounts
  • Interest rates starting from 3.25% per month
 
  • No annual fees
  • Earn 1% for all spends
  • Get 5 times extra spends in Emaar
  • 25% base Upoints in grocery and supermarkets
  • 10% base Upoints in fuels, government services, and telecommunication payments
  • Up to 30% discount on entertainment at Emaar entertainment group
  • Buy 1 get 1 offer on movie tickets at reel cinemas

11. Emirates Islamic RTA Credit Card

Emirates Islamic RTA Credit Card offers exceptional value for frequent commuters, providing up to 10% cashback on RTA transport payments and fuel spending. With additional features like Apple Pay, Samsung Pay, and Google Pay compatibility, and up to 4 complimentary supplementary cards, this card simplifies your financial life while rewarding your everyday spending.

Features & Benefits of Emirates Islamic RTA Credit Card

Credit Card Features Benefits

Emirates Islamic RTA Credit Card
 
  • Minimum monthly income required – AED 5,000
  • Earn cashback on your spends
  • Get the convenience of a single card for both NOL and credit transactions
  • Get discounts at 900+ hotels worldwide
  • Up to 4 supplementary cards with no AMF
  • 3D secure feature for online shopping
  • Use cashback amount to settle outstanding balance
  • Profit rate starts from 3.49%
 
  • No annual fee
  • Up to 10% cashback on RTA transport payments and fuel spends
  • Up to 2.25% cashback on international spends
  • Up to 1.25% cashback on all other spends
  • Up to 2 ‘Buy 1 Get 1’ complimentary movie tickets per month
  • Get small monthly instalments on your big purchases with easy payment plans

Cashback Back & Free Airport Lounge Access - Policybazaar uae

Category-wise List of Top Preferred Best Credit Cards based

Categories for Best Credit Cards in UAE for April 2024
1. Cashback Credit Cards
2. Travel Credit Cards
3. Cinema Offers Credit Cards
4. Rewards Offers Credit Cards
5. Balance Transfer Credit Cards
6. Free for Life Credit Cards
7. Grocery Shopping Credit Cards

Best Cashback Credit Cards in UAE for (April 2024)

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 April 2024:

Credit Card Features & Benefits Minimum Salary Per Month (AED) Apply
Emirates Islamic Cashback Plus Credit Card
  • Enjoy up to 10% cashback on spends like groceries, dining, telecom, and education
8,000 Apply Now
Mashreq Cashback Credit Card
  • Enjoy a cashback bonus worth AED 2500 when your Mashreq cashback credit card is activated
  • Get up to 5% cashback on your dining expenses in the UAE
  • Up to 2% cashback on other international spends and 1% cashback on domestic spends
  • Earn up to 0.33% cashback on utility, charity, education, government expenses, fuel, telecom, and rental expenses
  • Up to 20% cashback on transactions made on Zomato, Du, Netflix, Etisalat, Noon.com, and Talabat for the first 6 months
10,000 Apply Now
ADIB Cashback Visa Platinum Card
  • Enjoy flat 1% cashback on all your transactions made via ADIB Cashback Visa Platinum credit card
  • Up to 4 free supplementary credit cards with ADIB cashback Visa Platinum credit card
10,000 Apply Now
FAB Cashback Credit Card
  • Get up to 10% cashback on hotel reservations
  • 5% cashback on supermarket spending
  • 3% cashback on education and fine dining
5,000 Apply Now
Know More About Best Cashback Credit Cards in UAE

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Best Travel Credit Cards in UAE (April 2024)

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:

Credit Card Features & Benefits Minimum Salary (AED) Apply
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
30,000 Apply Now
Mashreq Platinum Elite Credit Card
  • 3 free Limousine airport transfers in Abu Dhabi and Dubai
  • 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
7,000 Apply Now
Emirates NBD Skywards Signature Credit Card
  • One of the best credit cards in UAE with travel benefits, this card earns you 1.5 Skyward Miles on every USD you spend
  • 40,000 bonus Skyward Miles as your welcome offer
  • Complimentary access to over 1,000 airport lounges around the world
15,000 Apply Now
Standard Chartered Visa Infinite Credit Card
  • 2% reward points on every airline booking made with this card
  • Get 2 reward points on every USD spent internally and 1 reward point on every USD spent locally
  • Get 4 airport transfers every month with Careem rides
  • Up to 20% discount on a maximum of 3 Careem rides every month
30,000 Apply Now
ADIB Etihad Visa Platinum Credit Card
  • Get a welcome bonus of 50,000 Etihad Guest Miles
  • Spend AED 150,000 in one year to win a companion ticket
  • Enjoy complimentary access to over 850 airport lounges
N/A Apply Now
Know More About Best Travel Credit Cards in UAE

Best Cinema Offers Credit Cards in UAE (April 2024)

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:

Credit Card Features & Benefits Minimum Salary Per Month (AED) Apply
ADCB Touchpoints Gold Credit Card
  • Get 2 ‘buy 1 get 1 free’ offers on VOX cinema movie tickets
  • Up to 25% off on over 1,400 gourmet restaurants
  • Earn up to 0.5 TouchPoints on every dirham spent using the card
  • Receive 5,000 bonus TouchPoints when you spend at least AED 5,000 each month on the card
N/A Apply Now
Emirates NBD Go4it Gold Card
  • Get 2 regular 2D Standard tickets for VOX cinema at only AED 47.25
  • Multiple ‘buy 1 get 1 free’ deals with the Entertainer app on this credit card
6,000 Apply Now
Standard Chartered Bank Manhattan Platinum Credit Card
  • Buy 1 VOX cinema ticket and get 1 free with this cinema offer credit card
  • 50% discount on all VOX cinema tickets bought on Sundays
5,000 Apply Now
Know More About Best Cinema Offer Credit Cards in UAE

Best Rewards Offers Credit Cards in UAE for (April 2024)

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:

Credit Card Features & Benefits Minimum Salary Per Month (AED) Apply
ADCB Touchpoint Infinite Credit Card
  • Earn 1.5 TouchPoints on every Dirham you spend with your card
  • Get a bonus of 15,000 TouchPoints when your spending crosses AED 15,000
  • Enjoy a 20% discount on your Talabat orders
  • 20% discount on Careen rides and 15% off on Noon.com orders
  • Unlimited access for free to over 850 airport lounges around the world
N/A Apply Now
FAB Abu Dhabi Titanium Card
  • Get 2.5 FAB rewards on every Dirham you spend and earn 25% additional reward points on all spends made in Abu Dhabi
  • Receive a 20% discount on your first 3 Careem rides of the month
  • Up to 15% discount on Avis car rentals across the world
  • Enjoy complimentary access to over 10 airport lounges in the Middle East
5,000 Apply Now
HSBC Platinum Select Credit Card
  • Enjoy 1 Air Mile for every 4 Dirham spent by your card
  • Up to 10% discount on airfare for British Airways
  • Enjoy up to 30% discount at over 400 restaurants across the UAE
  • Two ‘buy 1 get 1 free’ offers every month at VOX cinema in the UAE
N/A Apply Now
Know More About Best Rewards & Offers Credit Cards in UAE

Best Balance Transfer Credit Cards in UAE (April 2024)

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:

Credit Card Features & Benefits Minimum Salary Per Month (AED) Apply
Emirates NBD MasterCard Titanium Credit Card

Balance transfer facility with 3% of the outstanding balance as a fee

5,000 Apply Now
Mashreq Bank Platinum Elite Credit Card

Up to 75% of your outstanding credit card balance can be transferred using the balance transfer facility

7,000 Apply Now
CBD World MasterCard Credit Card
  • Revolving balance transfer service with 4% of the outstanding balance as a fee
  • Regular balance transfer facility with a 0.89% flat interest rate
30,000 Apply Now
HSBC Black Credit Card

0% interest rates for the initial 12 months after using the balance transfer facility

50,000 Apply Now
Know More About Best Balance Transfer Credit Cards in UAE

Best Free for Life Credit Cards (April 2024) 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:

Credit Card Features & Benefits Minimum Salary Per Month (AED) Apply
CBD Visa Infinite Credit Card No Annual Fee 15,000 Apply Now
ADIB Value Credit Card No Annual Fee N/A Apply Now
CBD Visa Platinum Credit Card No Annual Fee 5,000 Apply Now

Best Credit Cards for Grocery Shopping in UAE (April 2024)

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:

Credit Card Features & Benefits Minimum Salary Per Month (AED) Apply
Emirates Islamic Cashback Plus Credit Card Get up to 10% cashback on grocery shopping all across the UAE 12,000 Apply Now
CBD Super Saver Credit Card Up to 10% cashback on grocery shopping in the UAE 5,000 Apply Now
RAKBANK World Credit Card Get up to 10% cashback on your grocery shopping 20,000 Apply Now
Standard Chartered Platinum Credit Card Enjoy up to 1% cashback on all eligible expenses with this card including grocery shopping 5,000 Apply Now

Best Credit Cards in UAE FAQ's

Q1: Which is the best credit card in UAE, Dubai?

Ans: If you are looking for an affordable best credit card in UAE, Dubai then the best choices for you are ADCB talabat Credit Card, Emirates Islamic Skywards Signature Credit Card, ADCB Lulu Platinum Credit Card, ADCB 365 Cashback Credit Card, FAB Cashback Credit Card, Mashreq Bank Cashback 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.

Q2: How to choose the best credit card in UAE?

Ans: 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.

Q3: What is the minimum income required to apply for a credit card in Dubai, UAE?

Ans: 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.

 

Q4: What are the documents required to get a credit card in the UAE?

Ans: 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.

Q5: Which are the best cashback credit cards in UAE?

Ans: 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. 

Q6: What are the differences between cashback and rewards on credit cards in the UAE?

Ans: 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.

Q7: What is the eligibility for a credit card in UAE?

Ans: 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.

Q8: Is having more than 2-3 credit cards advisable?

Ans: 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.

Q9: Which is the most expensive credit card in UAE?

Ans: The most expensive credit cards in the UAE include Emirates Islamic Skywards Black Credit Card, FAB Elite Infinite Travel Card, HSBC Black Credit Card, Emirates NBD Skywards Infinite Credit Card, and others. 

Q10: Which credit card is best in UAE for an AED 5000 salary?

Ans: 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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