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.

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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 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

Features & Benefits of a Credit Card in Dubai, UAE

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

 

Top Credit Cards in UAE with Salary Requirements and Annual Fees

Name of the Credit Card Minimum Salary Required (In AED) Annual Fees (In AED)
Commercial Bank of Dubai — Visa Platinum Card   5,000 Free for Life
First Abu Dhabi Bank — Cashback Card 5,000 315
Dubai First — Cashback Card 5,000 399
Citibank — Citi Cashback Card 8,000 Free for the First Year Second Year Onwards — AED 300
Abu Dhabi Commercial Bank — Talabat ADCB Credit Cards 5,000 Free for Life
Emirates NBD — Mastercard Titanium Credit Card 5,000 Free for Life
Emirates Islamic — RTA Card 5,000 Free for Life
RAKBANK — Titanium Mastercard Credit Card 8,000 Free for Life
Liv. Platinum Credit Card 10,000 Free for Life
Deem Finance — Deem Platinum Mastercard Credit Card 10,000 Free for Life

Policybazaar UAE has collaborated with the top banks to help you easily find the best credit card. We have a variety of cards that cater to the diverse requirements of card seekers and have feasible eligibility criteria. We have classified each card under a specific category based on its top features.

Here are the cards in the table along with their card name and salary:

 

Free for Life Credit Cards

 

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.

Name of the Bank Name of the Card Minimum Salary Required
Abu Dhabi Commercial Bank ADCB Talabat AED 5,000
Emirates NBD Emirates NBD Mastercard Titanium AED 5,000
Emirates NBD Emirates NBD LuLu 247 Titanium AED 5,000
Emirates NBD Emirates NBD U By Emaar Family AED 5,000
Abu Dhabi Commercial Bank ADCB LULU Titanium AED 5,000
Apply Now

Read More About Free for Life Credit Cards
 

Cashback Back & Free Airport Lounge Access - Policybazaar uae

 

Cashback Credit Cards

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

Name of the Bank Name of the Card Minimum Salary Requirements
Emirates NBD Emirates NBD Go4It Gold AED 6,000
Emirates Islamic RTA AED 5,000
Emirates Islamic Cashback AED 5,000
Emirates Islamic Cashback Plus AED 12,000
First Abu Dhabi Bank Infinite Travel AED 30,000
Apply Now

Read More About Cashback Credit Cards

 

Airport Lounge Access Credit Cards

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

Name of the Bank Name of the Card Minimum Salary Requirements
Abu Dhabi Commercial Bank Talabat ADCB AED 5,000
Emirates NBD Mastercard Titanium AED 5,000
Emirates NBD Marriott Bonvoy World AED 25,000
Emirates NBD Dnata World AED 25,000
Emirates NBD U By Emaar Visa Infinite AED 30,000
Apply Now

Read More About Airport Lounge Access Credit Cards

 

Welcome Bonus Credit Cards

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.

Name of the Bank Name of the Card Minimum Salary Requirement
Abu Dhabi Commercial Bank 365 Cashback AED 8,000
Abu Dhabi Commercial Bank 365 Islamic Cashback Covered Card AED 8,000
Emirates NBD Marriott Bonvoy World AED 25,000
Emirates NBD U By Emaar Visa Infinite AED 30,000
Emirates NBD Skywards Infinite AED 30,000
Apply Now

Read More About Welcome Bonus Credit Cards

 

Movie Discount Credit Cards

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.

Name of the Bank Name of the Card Minimum Salary Requirements
Abu Dhabi Commercial Bank 365 Cashback AED 8,000
Emirates NBD LuLu 247 Titanium AED 5,000
Emirates NBD U By Emaar Family  AED 5,000
Emirates NBD U By Emaar Visa Infinite AED 30,000
Emirates NBD LuLu 247 Platinum AED 15,000
Apply Now

Read More About Movie Discount Credit Cards

 

Travel Discount Credit 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.

Name of the Bank Name of the Card Minimum Salary Requirements
Emirates NBD Dnata World AED 25,000
Emirates NBD Dnata Platinum AED 8,000
First Abu Dhabi Bank Infinite Travel AED 30,000
First Abu Dhabi Bank Cashback AED 5,000
Apply Now

Read More About Travel Discount Credit Cards

 

Balance Transfer Credit Cards

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

Name of the Bank Name of the Credit Card Minimum Salary Requirement
First Abu Dhabi Bank Low-Rate  AED 10,000

Read More About Balance Transfer Credit Cards

 

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.

Name of the Bank Name of the Credit Card Minimum Salary Requirement
Emirates Islamic Cashback AED 5,000
Emirates Islamic Etihad Guest Platinum AED 5,000
RAKBANK Titanium Mastercard AED 8,000
Apply Now

 

discount offers - Policybazaar uae

 

Golf Benefit Credit Cards

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!

Name of the Bank Name of the Card Minimum Salary Requirement
Emirates NBD Mastercard Titanium AED 5,000
Emirates NBD Marriott Bonvoy World AED 25,000
Emirates NBD Dnata World AED 25,000
Emirates NBD Skywards Infinite AED 30,000
Emirates NBD Mastercard Platinum AED 12,000
Apply Now

Read More About Golf Benefit Credit Cards

Credit Score - Policybazaar uae

 

Common Eligibility Criteria for Credit Card in UAE, Dubai

The common eligibility requirements to apply for a credit card 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

 

Documents Required to Apply for a Credit Card Dubai, UAE

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

Documents Required For Salaried Employees

Documents Required 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.

 

How to Apply for Credit Card in UAE, Dubai?

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 credit 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

How to Compare Credit Cards in UAE & Dubai?

Lending institutions and banks offer a wide range of credit cards. However, as these cards have different features and rewards, it’s essential to compare multiple options and choose the best deal. 

Here’s how you can have a seamless process in selecting the ideal credit card in the UAE:

 

Check the Eligibility Criteria

Start by reviewing the eligibility criteria for various credit cards offered in the UAE. 

Each card has specific requirements regarding age, salary requirement, employment status, and nationality. Make sure that you meet these criteria before applying, as this can help you narrow down the options to only those cards for which you are qualified. This can save you time in the application process.

 

Interest Rates

It is crucial to compare credit card interest rates as the annual percentage rate (APR) significantly affects the overall cost of borrowing. 

Go for a low-interest-rate credit card, especially if you plan to carry a balance. Understanding how interest is calculated and applied can help you choose a card that offers better terms for your financial situation.

 

Features & Benefits

Read the features and benefits offered by each credit card. These can include rewards programs, cashback offers, travel perks, and insurance coverages. Consider which features align with your lifestyle requirements and financial goals.

 

Fees and Charges

Look at the fees and charges associated with each credit card. This includes annual fees, late payment fees, foreign transaction fees, and any other hidden costs. 

By carefully checking these fees, you can avoid unexpected expenses and accurately compare the actual cost of maintaining the card. Opt for a card with a fee structure that suits your budget and usage patterns.

 

Top Credit Cards in UAE

Emirates Islamic Rta Platinum Credit Card Cbd One Starter Visa Signature Credit Card
Emirates Nbd Lulu Mastercard Titanium Credit Card Emirates Nbd Duo Credit Card
Adcb Simplylife Credit Cards Emirates Nbd Titanium Credit Card
Adcb Touchpoints Titanium Gold Credit Card Emirates Nbd U By Emaar Visa Credit Card
Emirates Nbd Visa Infinite Credit Card Emirates Nbd Skywards Infinite Credit Card
Citibank Citi Cashback Credit Card Rakbank Titanium Credit Card
Fab Cashback Credit Card Emirates Nbd Marriott Bonvoy World Mastercard Credit Card
Rakbank World Credit Card Adcb Traveller Credit Card
Adcb Touch Points Platinum Credit Card Emirates Nbd Lulu Mastercard Platinum Credit Card
Emirates Nbd Visa Platinum Credit Card Citibank Citi Simplicity Credit Card
Adcb Lulu Titanium Credit Card Emirates Nbd Go4it Gold Credit Card

 

Credit Cards on Salary Based in UAE

Credit Cards based on Salary
Credit Card in UAE on 2500 Salary Credit Card in UAE on 3000 Salary
Credit Card in UAE on 3500 Salary Credit Card in UAE on 4000 Salary
Credit Card For 4500 AED Salary Credit Card in UAE on 5000 Salary
Credit Card in UAE For 6000 Salary  

 

FAQs About Credit Card in UAE

Q1: Which bank credit card is best in UAE?

Ans: The best banks credit cards in UAE are from Commercial Bank of Dubai, First Abu Dhabi Bank, Abu Dhabi Commercial Bank, Emirates NBD, and Emirates Islamic Bank.

Q2: Can I use multiple credit cards?

Ans: Yes, you can use more than one credit card in Dubai.

Q3: How can I compare UAE credit cards to get the best one?

Ans:Visit policybazaar.ae, fill out the lead form, and make a credit card comparison UAE to find the most suitable one.

Q4: How is the spending limit on credit in the UAE determined?

Ans: our credit limit is determined as per your credit profile. The decision regarding the limit is made after the bank approves your credit card application.

Q5: How can you save using a balance transfer facility on the credit card in the UAE?

Ans: With a balance transfer facility, you can pay off the amount on your existing credit card by transferring it to another credit card in uae. This can help you save on high interest rates and makes it easy to repay the debts.

Q6: How long does it take to process a UAE credit cards application?

Ans:It may take 1-3 business days to process a credit card application.

Q7: What should be kept in mind before applying for a credit card in UAE?

Ans: Before applying for a credit card in UAE, check for a few things like fees and charges, outstanding balance repayment, interest rates, credit limit, benefits and offers, an option of supplementary cards, eligibility criteria, and more.

Q8: Are there any Islamic finance credit cards in UAE?

Ans: Yes, both conventional and Shariah-compliant banks offer Islamic credit cards.

Q9: Are expatriates with a monthly salary of AED 3000 eligible to apply for a credit card in Dubai?

Ans: Monthly salary of at least AED 5,000 is required to apply for a credit cards UAE.

Q10: What is the minimum monthly salary required to apply for a credit card in UAE?

Ans: The minimum monthly income required to apply for a credit card depends on the bank’s guidelines and the type of credit card you want. Generally, most banks require you to have a minimum income of AED 5,000 per month to get a credit card in UAE.

Q11: Can you get a credit card in UAE if you have a salary of AED 2,500?

Ans: Minimum monthly salary required to obtain a credit card in UAE is AED 5,000. However, you may apply for a secured credit card.

Q12: Which documents are required to apply for a credit card in UAE?

Ans: The following documents are usually required — Original Emirates ID, Original passport, Original residence visa (applicable for expatriates), Valid salary certificate/ Trade Licence, Previous 3-6 months’ bank statements

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