Credit Card UAE

Credit card is one of the most sought-after financial product that makes it easy to manage transactions. Most banks and financial institutions in UAE offer reward-loaded credit cards so that you, as a cardholder can earn benefits from your purchases. Prominent rewards include airmiles, discounts and cashbacks. ...read more

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  • Airport Lounge
  • Shopping Benefits
  • Fuel benefits
  • Movie Discounts

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Best credit cards with 0 Annual fee*

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Best credit cards with 0 Annual fee*

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

What is Credit Card ?

A credit card gives you the leverage of borrowing funds within a pre-approved credit limit. Top banks in the country offer the best-performing cards that are perfect for all your shopping and expenditure requirements. To apply for a credit card in UAE, you need to earn at least AED 5,000 per month and be at least 21 years old.

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5,000 AED50,000+ AED
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Most Popular Credit Card in UAE
Citibank
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CitibankCitibank Citi Simplicity Card
CitibankCitibank Citi Simplicity Card
Minimum Salary (AED)5,000
Annual Fee (AED)Free for Life
feature-iconFeatures
  • Free for Life
  • Airport Lounge Access
  • Dining Discounts
  • Free Supplementary Cards
Abu Dhabi Commercial Bank
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Abu Dhabi Commercial BankAbu Dhabi Commercial Bank talabat ADCB Credit Card
Abu Dhabi Commercial BankAbu Dhabi Commercial Bank talabat ADCB Credit Card
Minimum Salary (AED)5,000
Annual Fee (AED)Free for Life
feature-iconFeatures
  • Free for Life
  • AED 500 Welcome Bonus
  • Talabat credit on spends
  • Unlimited free delivery on talabat
  • Personalized card design
  • Airport Lounge Access
Abu Dhabi Commercial Bank
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Abu Dhabi Commercial BankAbu Dhabi Commercial Bank ADCB 365 Cashback Credit Card
Abu Dhabi Commercial BankAbu Dhabi Commercial Bank ADCB 365 Cashback Credit Card
Minimum Salary (AED)8,000
Annual Fee (AED)1st Year Free , AED 365 + VAT from 2nd year onwards
feature-iconFeatures
  • Welcome Bonus
  • Movie Discounts
  • Dining Discounts
  • Hotel Discounts
Abu Dhabi Commercial Bank
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Abu Dhabi Commercial BankAbu Dhabi Commercial Bank ADCB 365 Islamic Cashback Covered Card
Abu Dhabi Commercial BankAbu Dhabi Commercial Bank ADCB 365 Islamic Cashback Covered Card
Minimum Salary (AED)8,000
Annual Fee (AED)1st Year Free , AED 365 + VAT from 2nd year onwards
feature-iconFeatures
  • Free for 1st year
  • Welcome Bonus
  • Dining Discounts
  • Hotel Discounts
Citibank
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CitibankCitibank Citi Cashback Card
CitibankCitibank Citi Cashback Card
Minimum Salary (AED)8,000
Annual Fee (AED)1st Year Free*
feature-iconFeatures
  • Free for 1st year
  • Cashback
  • Airport Lounge Access
  • Dining Discounts
  • Travel Insurance
  • Purchase Protection & Extended Warranty
Commercial Bank of Dubai
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Commercial Bank of DubaiCommercial Bank of Dubai Visa Platinum Card
Commercial Bank of DubaiCommercial Bank of Dubai Visa Platinum Card
Minimum Salary (AED)5,000
Annual Fee (AED)Free for Life
feature-iconFeatures
  • Free for Life
  • Lifestyle Benefits
  • Movie Discounts
  • Dining Discounts
  • Travel Benefits
Commercial Bank of Dubai
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Commercial Bank of DubaiCommercial Bank of Dubai Visa Infinite Credit Card
Commercial Bank of DubaiCommercial Bank of Dubai Visa Infinite Credit Card
Minimum Salary (AED)15,000
Annual Fee (AED)1st Year Free*
feature-iconFeatures
  • Free for 1st year
  • Welcome Bonus
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Valet Parking
Commercial Bank of Dubai
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Commercial Bank of DubaiCommercial Bank of Dubai CBD Yes Rewards Credit Card
Commercial Bank of DubaiCommercial Bank of Dubai CBD Yes Rewards Credit Card
Minimum Salary (AED)5,000
Annual Fee (AED)1st Year Free*
feature-iconFeatures
  • Free for 1st year
  • Movie Discounts
  • Valet Parking
  • Golf Benefits
Citibank
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CitibankCitibank Citi Rewards
CitibankCitibank Citi Rewards
Minimum Salary (AED)8,000
Annual Fee (AED)1st Year Free*
feature-iconFeatures
  • Free for 1st year
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Travel Insurance
  • Purchase Protection & Extended Warranty
Emirates NBD
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Emirates NBDEmirates NBD Mastercard Titanium Credit Card
Emirates NBDEmirates NBD Mastercard Titanium Credit Card
Minimum Salary (AED)5,000
Annual Fee (AED)Free for Life
feature-iconFeatures
  • Free for Life
  • Lifestyle Benefits
  • Airport Lounge Access
  • Golf Benefits
  • Travel Benefits

Everything You Need to Know About Credit Cards

Types of Credit Cards in Dubai


Free for Life Card

There are no annual fees for these card types, without compromising on the benefits. Customers get complimentary airport lounges, reward points, and exclusive offers on lifestyle, shopping, travel, dining, and leisure.


Cashback Card

Enjoy cashback on all online and offline transactions and further utilise earned cashback for discounts on other transactions.


Airport Lounge Access Card

Enjoy complimentary airport lounge access across the globe and additionally get free deliveries on food delivery apps, whenever required.


Welcome Bonus Card

Get huge rewards as welcome bonuses and avail them for dining, lifestyle, and entertainment purposes. Also, get cashback and reward points credited to respective accounts on every purchase and transaction.

 

Movie Discount Card

These cards are perfect for movie fans as they offer BOGO and discounts on movie tickets across the country. Moreover, get a welcome bonus upon the card activation and use it for multiple purchases.

 

Travel Discount Cards

Enjoy your journey without any hassle with travel discount cards. From complimentary lounge access to flight and hotel bookings, get discounts and cashback credited to your account.

 

Balance Transfer Card

Easily manage your money with a balance transfer facility. Additionally, get up to 4 supplementary credit cards for immediate family members, and other leisure benefits.

 

Credit Cards with Free Supplementary Cards

This benefit has been exceptionally designed for immediate family members of a cardholder. Further, get free insurance, gift vouchers, and cashback on each transaction.

 

Golf Benefit Card

Exclusively curated for individuals who love playing golf, these cards offer free access to several golf clubs across the UAE. Other associated benefits include earning reward points, discounts on purchasing through listed merchandise, travelling, and more!

Common Features of a Credit Card in UAE

UAE cards have unique features designed for nationals and expatriates. Although each card has its specific characteristics, certain features are common in every card.

  • Users can earn cashback and reward points upon each transaction. These can further be utilised for future purchases.
  • During scenarios like medical emergencies, credit cards in uae play an important role in paying off hefty bills instantly.
  • Banks consider an individual’s credit usage while processing a loan application. Having a good card usage history increases loan approval chances.
  • Credit cards bring multiple offers and discounts, which are applicable to leisure, entertainment, travel, food, shopping, and more.

Documents Required to Apply for a Credit Card in Dubai, UAE

Here is a common documents required for obtaining a credit card in UAE —

For Salaried Employees For Self-Employed Individuals
Emirates ID (original and a copy) Emirates ID (original and a copy)
Passport (original and a copy) Passport (original and a copy)
Residence visa (original and a copy) — Applicable for expatriates Residence visa (original and a copy) — For expatriates
Valid salary certificate Company Trade Licence
Previous 3-6 months & bank statements Previous 3-6 months & bank st      atements

Note: The respective bank may ask for additional documents as per its requirements.

Common Eligibility Criteria for Credit Cards in UAE, Dubai

The common eligibility requirements to apply for a credit in UAE are as follows —

Eligibility Factors Criteria
Minimum Age 18 - 21 Years
Nationality Nationals and Expatriates
Minimum Monthly Salary Required AED 5,000 
Employment Type Salaried and Self-Employed

How to Apply for a Credit Card in Dubai, UAE?

Applying for a credit card in Dubai or in another emirate is now a straightforward process. With Policybazaar.ae, you can easily apply for credit cards in Dubai within minutes 

  1. Visit the official website of Policybazaar UAE.
  2. Move to the credit cards section and fill out the lead form.
  3. After using the platform to compare cards Dubai from the credit card quotes page, proceed with further instructions.
  4. After you submit your application, one of our representatives will get in touch with you to discuss further credit card application steps.

Get the Best Credit Cards Quotes from Top Leading Banks in UAE

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