Credit Card in 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 the 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 further to know more! ...read more

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

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  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits
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Most Popular Credit Card in UAE
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
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 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
  • Welcome Bonus
  • Movie Discounts
  • Valet Parking
  • Golf Benefits
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
Commercial Bank of Dubai
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Commercial Bank of DubaiCommercial Bank of Dubai Super Saver
Commercial Bank of DubaiCommercial Bank of Dubai Super Saver
Minimum Salary (AED)5,000
Annual Fee (AED)1st Year Free*
feature-iconFeatures
  • Free for 1st year
  • Cashback
  • Airport Lounge Access
  • Movie Discounts
  • Valet Parking
  • Golf Benefits
Emirates NBD
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Emirates NBDEmirates NBD Lulu 247 Titanium Credit Card
Emirates NBDEmirates NBD Lulu 247 Titanium Credit Card
Minimum Salary (AED)5,000
Annual Fee (AED)Free for Life
feature-iconFeatures
  • Free for Life
  • Movie Discounts
Emirates NBD
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Emirates NBDEmirates NBD U By Emaar Family Credit Card
Emirates NBDEmirates NBD U By Emaar Family Credit Card
Minimum Salary (AED)5,000
Annual Fee (AED)Free for Life
feature-iconFeatures
  • Free for Life
  • Movie Discounts
  • Dining Discounts
  • 30% discount on Emaar Attraction
Commercial Bank of Dubai
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Commercial Bank of DubaiCommercial Bank of Dubai CBD One
Commercial Bank of DubaiCommercial Bank of Dubai CBD One
Minimum Salary (AED)5,000
Annual Fee (AED)Free first 36 months *
feature-iconFeatures
  • Airport Lounge Access
  • Movie Discounts
  • Valet Parking
Emirates Islamic
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Emirates IslamicEmirates Islamic RTA Card
Emirates IslamicEmirates Islamic RTA Card
Minimum Salary (AED)5,000
Annual Fee (AED)No annual fee
feature-iconFeatures
  • Cashback
  • Nol Card
  • RTA Transport Payments
  • Fuel Spends
Emirates Islamic
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Emirates IslamicEmirates Islamic Flex Credit Card
Emirates IslamicEmirates Islamic Flex Credit Card
Minimum Salary (AED)5,000
Annual Fee (AED)No annual fee
feature-iconFeatures
  • Welcome Bonus
  • EI SmartMiles
  • Easy Redemption

Common Features of a Credit Card in the UAE

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

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 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 Credit cards bring multiple offers and discounts, which are applicable to leisure, entertainment, travel, food, shopping, and more.

Cashback Back & Free Airport Lounge Access - Policybazaar uae

Types of Credit Cards in UAE

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 Apply
Abu Dhabi Commercial Bank ADCB Talabat AED 5,000 Apply Now
Emirates NBD Emirates NBD Mastercard Titanium AED 5,000 Apply Now
Emirates NBD Emirates NBD LuLu 247 Titanium AED 5,000 Apply Now
Emirates NBD Emirates NBD U By Emaar Family AED 5,000 Apply Now
Abu Dhabi Commercial Bank ADCB LULU Titanium AED 5,000 Apply Now

Read More About Free for Life Credit Cards

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 Apply
Emirates NBD Emirates NBD Go4It Gold AED 6,000 Apply Now
Emirates Islamic RTA AED 5,000 Apply Now
Emirates Islamic Cashback AED 5,000 Apply Now
Emirates Islamic Cashback Plus AED 12,000 Apply Now
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 Apply
Abu Dhabi Commercial Bank Talabat ADCB AED 5,000 Apply Now
Emirates NBD Mastercard Titanium AED 5,000 Apply Now
Emirates NBD Marriott Bonvoy World AED 25,000 Apply Now
Emirates NBD Dnata World AED 25,000 Apply Now
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 Apply
Abu Dhabi Commercial Bank 365 Cashback AED 8,000 Apply Now
Abu Dhabi Commercial Bank 365 Islamic Cashback Covered Card AED 8,000 Apply Now
Emirates NBD Marriott Bonvoy World AED 25,000 Apply Now
Emirates NBD U By Emaar Visa Infinite AED 30,000 Apply Now
Emirates NBD Skywards Infinite AED 30,000 Apply Now

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 Apply
Abu Dhabi Commercial Bank 365 Cashback AED 8,000 Apply Now
Emirates NBD LuLu 247 Titanium AED 5,000 Apply Now
Emirates NBD U By Emaar Family  AED 5,000 Apply Now
Emirates NBD U By Emaar Visa Infinite AED 30,000 Apply Now
Emirates NBD LuLu 247 Platinum AED 15,000 Apply Now

Read More About Movie Discount Credit Cards

discount offers - Policybazaar uae

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 Apply
Emirates NBD Dnata World AED 25,000 Apply Now
Emirates NBD Dnata Platinum AED 8,000 Apply Now
First Abu Dhabi Bank Infinite Travel AED 30,000 Apply Now
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 cards for immediate family members, and other leisure benefits.

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

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 Apply
Emirates Islamic Cashback AED 5,000 Apply Now
Emirates Islamic Etihad Guest Platinum AED 5,000 Apply Now
RAKBANK Titanium Mastercard AED 8,000 Apply Now

discount offers - Policybazaar uae

Balance Transfer Credit Cards

Enjoy exceptional discounts on dining and food apps. Besides, get a welcome bonus credited to your account and redeem those points on hotel bookings, movies, and much more.

Name of the Bank Name of the Card Minimum Salary Requirement Apply
Abu Dhabi Commercial Bank 365 Cashback AED 8,000 Apply Now
Abu Dhabi Commercial Bank 365 Islamic Cashback Covered Card AED 8,000 Apply Now
Emirates NBD U By Emaar Family AED 5,000 Apply Now
Emirates NBD Visa Platinum AED 12,000 Apply Now
Emirates NBD Mastercard Platinum AED 12,000 Apply Now

Read More About Balance Transfer Credit Cards

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 Apply
Emirates NBD Mastercard Titanium AED 5,000 Apply Now
Emirates NBD Marriott Bonvoy World AED 25,000 Apply Now
Emirates NBD Dnata World AED 25,000 Apply Now
Emirates NBD Skywards Infinite AED 30,000 Apply Now
Emirates NBD Mastercard Platinum AED 12,000 Apply Now

Read More About Golf Benefit Credit Cards

Usage of a Credit Card in UAE

UAE credit cards serve as versatile financial instruments, offering numerous benefits and serving various purposes for nationals and expatriates. Offering convenience, security, rewards, and more, these cards cater to the diverse needs and lifestyles of individuals and are an integral part of everyday life. 

Here's a comprehensive look at the multitude of uses that CC offer —

Regular Purchases
Credit cards in UAE are extensively used for daily transactions related to groceries, dining, shopping, and fuel expenses. They provide a convenient and secure way to make purchases without the need for cash.
Online Shopping
With the growth of e-commerce platforms, cards UAE have become a crucial payment mode for online shopping in the UAE. They facilitate secure transactions on local and international websites, allowing users to buy products and services from around the world.
Travel Expenses
Credit cards in UAE are highly beneficial for travellers. This is because they offer perks like travel insurance, airport lounge access, and rewards on flights and hotel bookings, facilitating efficient management of travel expenses.
Entertainment and Dining
Many cards in UAE provide discounts, cashback, or loyalty points for entertainment activities such as movie tickets, theme parks, concerts, and dining experiences at various restaurants and cafes across the country.
Bills and Utilities
UAE Credit cards streamline bill payments for utilities like electricity, water, internet, and mobile services. Some cards offer rewards or cashback on these utility bill payments, allowing users to utilise their credit cards for these expenses.
Rewards and Loyalty Programs
Credit cards Dubai often come with rewards programs, offering points or cashback on every purchase. These rewards can be redeemed for various benefits, including vouchers, airline miles, hotel stays, or even cash rebates, enhancing the overall value of using credit cards.
Emergency Use
Besides cashback and rewards, a major benefit of credit cards in UAE is their role as a financial safety net during emergencies. They provide immediate access to funds for unforeseen expenses, offering a sense of security and flexibility when urgent financial needs arise.
Building Credit History
For both residents and expatriates, responsibly using credit cards in UAE is crucial for establishing and improving their credit history. Timely payments and responsible utilisation contribute positively to their creditworthiness, facilitating future access to loans and other financial products and services.
Special Offers and Privileges
Credit cards in UAE frequently provide exclusive offers, discounts, and privileges such as access to events, concierge services, and complimentary airport transfers.

Advantages of Credit Card

Credit cards certainly present a world of rewards and discounts. However, it’s worth remembering that irresponsible usage can quickly deteriorate your credit score and finances. 

  • Convenience

  • Build Credit Score

  • Rewards and Perks

  • Emergency Funds

  • Purchase Protection

  • Grace Period

Credit cards offer a convenient way to make purchases without carrying cash. They are widely accepted around the world, both in-store and online.

Responsible card utilisation can positively impact your credit score. Timely payments and low credit utilisation reflect positively on your credit report.

Many credit cards offer rewards programs such as cashback, travel points, or discounts on purchases, providing incentives for card usage.

Credit cards can serve as a financial safety net during emergencies when immediate funds are required.

Some Dubai credit cards offer purchase protection by insuring items against damage or theft for a certain period after purchase.

Most cards in UAE offer an interest-free period (grace period) if the balance is paid in full by the due date, allowing users to avoid interest charges.

Points to Remember While Applying and Using a Credit Cards

To make informed decisions and effectively manage your finances while using credit, take note of the following aspects related to UAE credit cards —

Before Applying for a Credit Card

  • Annual Fees: While comparing UAE credit card, determine if the card has an annual fee and whether it’s worth the benefits.
  • Offers and Discount: Evaluate Dubai CC offers, rewards, cashback, and points to get the best deal.
  • CC Limit: Ensure that your credit limit aligns with your regular expenses. 

While Using a Credit Card

Budget and Track Spending

  • Financial Plan: Stick to a budget to ensure you can afford card payments.
  • Monitoring: Regularly track expenses to avoid overspending.

Pay On Time and in Full

  • Timely Payments: Avoid late payments to prevent penalties and negative impact on credit scores.
  • Full Payments: Clear the entire balance to avoid accruing high-interest charges.

Monitor Credit Card Statements

  • Review Regularly: Check for errors, unauthorised charges, and unusual activity.
  • Report Issues Promptly: If you spot any discrepancies, immediately contact the card issuer.

Manage Credit Utilisation

  • Stay Below Limits: To maintain a healthy credit score, try not to max out the credit limit.
  • Utilisation Ratio: Aim for a utilisation rate below 30% of the available credit.

Be Cautious with Cash Advances

  • High Fees and Interest: Cash advances often come with steep fees and immediate interest charges.
  • Consider Alternatives: Explore other options before opting for cash advances with CC UAE.

Maintain a Long-Term Perspective

  • Credit Impact: Recognise that CC usage affects your credit score, which affects your future borrowing potential.
  • Responsibility Matters: Use credit cards responsibly to build a positive credit history.
Read More

Documents Required to Apply for a Credit Card

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 UAE Credit Cards

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

FAQs About UAE Credit Cards

Q1: Which bank credit card is best in UAE?

Ans: The best banks credit cards in the 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: Your 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. 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 card 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 the UAE?

Ans: Before applying for a credit card in the 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 the 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: No. A monthly salary of at least AED 5,000 is required to apply for a credit card UAE. 

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

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

Ans: No, the minimum monthly salary required to obtain a credit card in the 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 the 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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