American Express Credit Card Statement - Know How to get American Express Credit Card Statement Online & Offline in UAE. Check how to read and understand the credit card statement & read FAQs.
A Credit Card is a type of card that is used to borrow money from banks for considerably shorter durations. The money borrowed is paid at a later date aka at the end of a billing cycle. With a Credit card in UAE, every purchase is made using the provider’s money that needs to be paid back after a ...read more
Policybazaar UAE brings you all the information that will enable you to compare and apply online for a Credit card in UAE and find the right card based on your requirements like eligibility, annual fees, and more. You can check pre-approved card offers from top providers such as Emirates NBD, ADCB, and HSBC among others, and get instant approval.
Credit cards come with a range of privileges including travel, entertainment, lifestyle, and shopping. Additionally, the banks also provide credit cards specific to the customer’s needs and expenses. Some cards offer rewards and cash back, while others provide free airport lounge access and travel benefits. Banks in UAE lay down lenient criteria for individuals to obtain a credit card.
With a minimum monthly salary of AED 5,000, you can easily apply for a credit card in Dubai, UAE. A little bit of security goes a long way, whether it is related to the financial aspects of your life or the non-financial ones. Credit cards are one such forms of security that come in handy when you are stuck in a financial pickle. Let’s find out more about credit cards in Dubai & UAE.
Citibank Citi Cashback Card
Citibank Citi Simplicity Card
Liv. Platinum Credit Card
Commercial Bank of Dubai Super Saver
ADCB 365 Cashback Credit Card
Commercial Bank of Dubai Titanium MasterCard
Commercial Bank of Dubai Smiles Visa Platinum Credit Card
Commercial Bank of Dubai Smiles Visa Signature Credit Card
ADCB 365 Islamic Cashback Covered Card
Emirates NBD Lulu 247 Titanium Credit Card
Emirates NBD U By Emaar Family Credit Card
Emirates Islamic Skywards Black Credit Card
Emirates Islamic Skywards Signature Credit Card
Emirates Islamic Skywards Infinite Credit Card
Emirates Islamic RTA Card
Emirates Islamic Flex Platinum Credit Card
Commercial Bank of Dubai One
Commercial Bank of Dubai World MasterCard
Emirates Islamic Etihad Guest Platinum Credit Card
Citibank Citi Rewards
Citibank Emirates Citibank World
Citibank Citi Premier
Citibank Citi Prestige
Citibank Emirates Citibank Ultima Card
First Abu Dhabi Bank SHARE Standard Credit Card
First Abu Dhabi Bank SHARE Platinum Credit Card
First Abu Dhabi Bank SHARE Signature Credit Card
First Abu Dhabi Bank Infinite Travel Card
First Abu Dhabi Bank Signature Travel Card
First Abu Dhabi Bank Low-Rate Credit Card
Emirates Islamic Cashback Card
Emirates Islamic Cashback Plus Card
Emirates Islamic Etihad Guest Ameera Credit Card
Emirates Islamic Etihad Guest Saqer Credit Card
Liv. World Credit Card
See More Quotes >>> |
Loyalty Benefits | Most credit cards in UAE offer attractive loyalty program. You can earn reward points with every purchase and redeem them to avail of exclusive discounts. You can also convert your loyalty reward points into air miles to enjoy discounts on flight tickets with all partner airlines. |
Airport Lounge Access | With several credit cards in the UAE, you can enjoy complimentary airport lounge access worldwide. In addition, the premium cards can offer unlimited free access along with an accompanying guest. To avail of these services, you need to do a one-time registration with the service providers like LoungeKey, Volace and more. |
Exclusive Entertainment Offers | Numerous credit cards in UAE come with exclusive entertainment offers such as Buy1Get1 offers on movie tickets, discounted access to theme parks and adventure sports along with complimentary food and beverages. However, to avail of such offers, you may need to cross the minimum monthly spending threshold. |
Dining Discounts and Offers | As a cardholder in the UAE, you get exclusive offers on dining and restaurant expenses. Some cards offer up to 30% discount at over 1400, restaurants across the UAE. Additionally, you can also avail of Buy1Get1 offers on various diners and coffee outlets. |
Discounted Flight Tickets and Stays | Using a card for flight booking, you can avail yourself of up to 30% discounts on flight tickets when booking with Cleartrip.com and other similar providers. Along with the travel benefits, you get attractive discounts on hotel booking such as complimentary night stays, discounted booking fare, free upgrades, complimentary food and more. |
Travel Accident and Medical Insurance | When booking a ticket with your card, you get complimentary travel medical and personal accident insurance with a worldwide coverage. The protection plan is also known an as multi-trip travel insurance, and you can secure each of your journey for up to a day. |
Security and Life Insurance | Several credit cards in the UAE offer discrete benefits of securing your life and the outstanding balances. With services such as credit shield insurance, you can insure your outstanding balances in case of involuntary loss of employment, cardholder’s death, critical illnesses, permanent disabilities, etc. Additionally, you get protection for your purchased items with extended warranty and purchase protections. |
Convenient Financial Management | With a credit card in UAE, you get access various features such as interest-free days, easy payment plans, instant cash loans, utility bill payments and a full suite of online banking services to manage your card account effectively from anywhere at any time. |
Bank | Credit Card Name | Minimum Salary (AED) | Annual Fee (AED) |
---|---|---|---|
Citibank | Citibank Citi Simplicity Card | 5,000 | Free for Life |
Citibank | Citibank Citi Cashback Card | 8,000 | Free for 1st Year |
Citibank | Citibank Citi Rewards Card | 8,000 | Free for 1st Year |
Citibank | Citibank Emirates Citibank World Card | 12,000 | Free for 1st Year |
Citibank | Citibank Citi Premier Card | 15,000 | Free for 1st Year |
Citibank | Citibank Emirates Citibank Ultimate Card | 18,000 | 800 |
Citibank | Citibank Citi Prestige Card | 30,000 | 1,500 |
Citibank | Citibank Emirates Citibank Ultima Card | 36,750 | 3,000 |
ADCB | ADCB Accor Infinite Credit Card | 40,000 | 1,050 |
ADCB | ADCB Accor Signature Credit Card | 20,000 | 1,575 |
Emirates NBD | Emirates NBD Lulu 247 Titanium Card | 5,000 | Free for Life |
Emirates NBD | Emirates NBD U By Emaar Family Credit Card | 5,000 | Free for Life |
Emirates NBD | Emirates NBD Visa Flexi Credit Card | 12,000 | Free for Life |
Emirates NBD | Emirates NBD Lulu 247 Platinum Card | 15,000 | 250 |
Emirates NBD | Emirates NBD Marriott Bonvoy World Credit Card | 25,000 | 1,500 |
Emirates NBD | Emirates NBD Dnata World Credit Card | 25,000 | 999 |
Emirates NBD | Emirates NBD Skywards Infinite Card | 30,000 | 1,500 |
Emirates NBD | Emirates NBD U By Emaar Visa Infinite | 30,000 | 1,500 |
Emirates NBD | Emirates NBD Go4It Platinum Card | 12,000 | Free for Life |
Emirates Islamic Bank | Emirates Islamic Cashback Plus Card | 12,000 | 299 |
FAB | First Abu Dhabi Cashback Credit Card | 5,000 | 315 |
Standard Chartered Bank | Standard Chartered X Credit Card | 10,000 | Free for 1st Year |
Standard Chartered Bank | Standard Chartered Manhattan Rewards+ Credit Card | 10,000 | Free for 1st Year |
Standard Chartered Bank | Standard Chartered Cashback Card | 10,000 | Free for 1st Year |
Standard Chartered Bank | Standard Chartered Visa Infinite Card | 30,000 | Free for 1st Year |
Mashreq Bank | Mashreq Cashback Credit Card | 7,000 | Free for Life |
Mashreq Bank | Mashreq Solitaire Credit Card | 25,000 | 1,500 |
Deem Finance | Deem Finance Mastercard Titanium Cash Up Card | 10,000 | Free for Life |
Deem Finance | Deem Finance Mastercard Platinum Cash Up Card | 5,000 | Free for 1st Year |
Eligibility Criteria |
Requirements |
---|---|
Minimum Age |
21 Years |
Nationality |
UAE residents and UAE citizens |
Employment Status |
Salaried or Self-Employed Individuals |
Minimum Income |
AED 5000 |
Credit Score |
Minimum 580 Ideal is 700+ aka “good” credit score |
Given below are two tables explaining the basic documents required for both salaried and self-employed individuals in the UAE to get a card:
Requirements for Salaried Individuals |
Documents for UAE Residents |
Documents for UAE Nationals |
---|---|---|
ID Proof |
Emirates ID and Passport |
Emirates ID and Family Book (if the bank requires) |
Address Proof |
Utility Bills or other documents like rental agreements holding the address of your residence |
- |
Proof of Valid Residency |
Resident’s Visa |
- |
Proof of Income |
Salary slips from the past few months or a salary certificate from the employer or, Bank statements for the past 3-6 months |
Salary slips from the past few months or a salary certificate from the employer or, Bank statements for the past 3-6 months |
Requirements for Self-Employed Individuals |
Documents for UAE Residents |
Documents for UAE Nationals |
---|---|---|
ID Proof |
Emirates ID and Passport |
Emirates ID and Family Book (if the bank requires) |
Address Proof |
Utility Bills or other documents like rental agreements holding the address of your residence |
- |
Proof of Valid Residency |
Resident’s Visa |
- |
Proof of Income |
Trade license of the company |
Trade license of the company |
There are two platforms available to apply for the best credit card in UAE - Offline, and Online.
If you wish to apply for a UAE credit card offline:
In case you wish to avoid a physical visit and prefer applying from the comfort of your home, you should consider the online mode.
If you wish to apply for credit card in Dubai without any hassle within a few minutes, you should try our website.
*Before applying for a credit card in Dubai, UAE, you are advised to confirm that you meet the following credit card eligibility requirements:
It is important to compare credit cards UAE before applying for one. Different kinds of credit cards may have different features. Some of the cards are free, whereas some of them charge an annual fee. Each
available credit card option comes with its own set of advantages and disadvantages. Therefore, making a comparison between the available options becomes essential. In this digital world, an applicant can compare different cards online without any hassle.
Here are some of the basic factors for making the comparison.
There are different types of plastic money in the Emirates, each catering to a different type of card user. In order to find the most suitable one and consequently pick the best credit card offers in Dubai, UAE, it is important to familiarize themselves with the various categories to better.
In order to cater to customers from different income brackets, banks offer a variety of credit cards in Dubai, each with its own eligibility criteria and credit limit. From free credit cards to premium ones, the following are the types of cards to be considered:
Air miles, also known as travel points and frequent flyer miles, are a part of a loyalty program offered by the air miles cards. Ideally, the cardholder accumulates a set amount of air miles based on how much they spend on the credit card in UAE which can be further redeemed for booking flight tickets for free. There are two types of air miles credit cards are available in the UAE. Airline Miles, which are airline-specific reward miles and the other one is Airline ME, which are not linked with any specific airline and can be redeemed in a number of ways.
Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
---|---|---|---|
Deem | Deem Mastercard World Miles Up | 500 | 25000 |
Emirates Islamic | Emirates Islamic Bank Skywards Signature | 700 | 10000 |
RAKBANK | RAKBANK Emirates Skywards World Elite | 700 | 25000 |
FAB | FAB Etihad Guest Infinite Islamic | 2500 | 30000 |
Emirates NBD | Emirates NBD Skywards Signature | 700 | 15000 |
See More Quotes >>> |
Regardless of the purpose of travel, airport lounge access credit cards can always come in handy. There are several cards available in Dubai & UAE that offer complimentary airport lounge access to its cardholder where they can relax and unwind before taking off.
Top 5 Airport Lounge Access Credit Cards in UAE
Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
---|---|---|---|
Mashreq | Mashreq Bank Solitaire | 1500 | 25000 |
Deem | Deem Mastercard Titanium Cash Up | 200 | 6500 |
Emirates Islamic | Emirates Islamic Bank Flex Elite | 700 | 25000 |
FAB | FAB Cashback Card | 315 | 5000 |
Citibank | Citibank Emirates Citibank Ultima | 3000 | 36750 |
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A balance transfer credit card helps the cardholder to transfer the high-interest debt from one credit card to another with a low interest rate. These cards that offer a balance transfer facility can help the cardholder to save a lot on the high rate of interest by paying off the outstanding debt.
Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
---|---|---|---|
CBD | CBD Super Saver | 420 | 8000 |
Emirates NBD | Emirates NBD Lulu Mastercard Titanium | Free for Life | 5000 |
FAB | FAB Elite Infinite | Free for Life | 40000 |
HSBC | HSBC Zero Credit Card | Free for Life | 10000 |
United Arab Bank | United Arab Bank Visa Titanium | 300 | 6000 |
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Cashback credit cards pay its cardholder back some percentage of their purchases or transactions in cash. The bank rewards the card member for the purchase made using a credit card in Dubai by offering rewards in terms of cashback. However, the cashback amount differs from one card to another depending on the type of purchases & monthly caps, plus factoring in minimum spending requirements.
Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
---|---|---|---|
Mashreq | Mashreq Bank Cashback Card | Free for Life | 10000 |
Emirates Islamic | Emirates Islamic Bank Cashback Card | 350 | 8000 |
FAB | FAB Cashback Card | 315 | 5000 |
Citibank | Citibank Citi Cashback Card | 300 | 8000 |
ADCB | ADCB SimplyLife Cashback Card | Free for Life | 5000 |
ADIB | ADIB Cashback Visa Platinum | 1000 | 10000 |
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Frequent travelers would already know how expensive it is to bear all the travel expenditures. From flight tickets to hotel bookings, travel expenses can be very high at times. Keeping travel needs in mind, some banks and financial institutions offer travel credit cards that are exclusively designed for avid travelers.
Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
---|---|---|---|
ADCB | ADCB Traveller Credit Card | 1050 | 20000 |
Deem | Deem Mastercard Titanium Cash Up | 200 | 6500 |
Standard Chartered | Standard Chartered Platinum | 525 | 8000 |
CBD | CBD Smiles Visa Platinum | 366.45 | 8000 |
RAKBANK | RAKBANK Mastercard World | 750 | 20000 |
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Who does not love watching a movie in the theatre after a long working week? What better way to enjoy this if one can avail free movie tickets or discounts on booking cinema tickets? To reward its customers, some credit card lenders or banks in UAE have tied up with cinemas such as VOX cinema and Reel Cinema enables the cardholder to avail of great discounts and offers on movie tickets such as complimentary movie tickets, and discounts on tickets as well as refreshments. Getting cinema offers and movie discounts on a credit card in Dubai, UAE especially for a movie lover is no less than a treat since it is a smart way to save money on movie tickets.
Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
---|---|---|---|
Emirates Islamic Bank | Emirates Islamic Bank Etihad Guest Platinum | 199 | 8000 |
FAB | FAB Cashback Card | 315 | 5000 |
Citibank | Citibank Citi Prestige Card | 1500 | 30000 |
CBD | CBD Super Saver | 420 | 8000 |
Standard Chartered | Standard Chartered Bank Manhattan Platinum | 525 | 8000 |
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UAE is home to some of the finest golf courses in the world and also golf has become more than a sport in the country. It is no wonder that most of the banks and financial institutions offer golf credit cards that offer benefits to customers who are either part-time or full-time golfers on the credit card in Dubai, UAE.
Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
---|---|---|---|
Mashreq | Mashreq Bank Solitaire Card | 1500 | 25000 |
Emirates Islamic | Emirates Islamic Bank Skywards Signature | 700 | 10000 |
Citibank | Citibank Emirates Citibank Ultimate | 800 | 18000 |
Standard Chartered | Standard Chartered Bank Manhattan Platinum | 525 | 8000 |
Emirates NBD | Emirates NBD Skywards Signature | 700 | 15000 |
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While plenty of luxury credit cards in UAE come with an annual membership fee, there is a wide range of top tier credit cards that offer ample benefits and rewards without charging an annual membership fee for a lifetime.
Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
---|---|---|---|
ADCB | ADCB SimplyLife Cashback Card | Free for Life | 5000 |
ADIB | ADIB Value Card | Free for life | 5000 |
Mashreq | Mashreq Bank Cashback Card | Free for life | 10000 |
Emirates Islamic | Emirates Islamic Emirati Card | Free for life | 5000 |
Deem | Deem Mastercard Platinum Miles Up | Free for Life | 10000 |
See More Quotes >>> |
Rewards & offers credit cards are one step ahead of basic credit cards since they offer extraordinary benefits to their cardholders. Such types of cards usually provide rewards in terms of cashback, air miles, discounts, and other privileges for the amount that the card members spend with their card.
Top 5 Rewards & Offers Credit Cards in UAE
Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
---|---|---|---|
Mashreq | Mashreq Bank Solitaire Card | 1500 | 25000 |
Emirates Islamic | Emirates Islamic Bank Skywards Signature | 700 | 10000 |
RAKBANK | RAKBANK Emirates Skywards World Elite | 700 | 25000 |
FAB | FAB Cashback Card | 315 | 5000 |
Deem | Deem Mastercard Titanium Cash Up | 200 | 6500 |
See More Quotes >>> |
According to shariah law, Muslim people are not permitted to do business with any organization or take part in any sort of financial practice that levies interest i.e. Riba.
On the basis of Shariah law, few banks and financial institutions in UAE offer Shariah Compliant Credit Cards. This type of Islamic credit card in Dubai, UAE strictly follows shariah principles that charge profit rate instead of interest rate since Riba is strictly prohibited as per the shariah-Islamic law.
Applying for a credit card in UAE can be a time-consuming process, especially with the similar rewards and rates of interest offered by different cards. Here, Policybazaar.ae helps the applicant to save time and zero down on the right card of their choice. Here is why they should opt for Policybazaar.ae to initiate their research:
How easily you can get a credit card in the UAE depends on the type of credit card that you want, your credit score, current debts, and other factors.
To apply for a credit card in the UAE, you should be at least 21 years old and meet the minimum income requirement stated by the bank. You should also have an acceptable credit score as per the bank’s requirements.
You can apply for a credit card even if you have a low income. For this, you can look around for the options on Policybazaar.ae’s quotes page. Simply provide your income bracket when filling out the lead form.
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.
You should have a minimum income of AED 5,000 to get a credit card in the UAE. However, there are some options available for this salary group as well. You can look for banks that offer a credit card at an income of AED 3,500 on Policybazaar.ae and apply for the same.
To get a credit card in the UAE, you should wait for your income to reach a general minimum income of AED 5,000. This is because it will become easy to apply for a credit card once you reach that income bandwidth.
Generally, you cannot get a credit card in the UAE if your income is AED 4,500, as most banks and providers require a minimum monthly income of AED 5,000 for a credit card. However, you may still look for a few options in this salary range or explore secured credit cards.
You can generally apply for a basic credit card if you are unemployed. However, for this, you would be required to mention your alternate income sources.
To get a credit card in the UAE, you should have a minimum income of AED 5,000. You cannot get a credit card at such a low salary as the bank will not find you reliable enough to pay your credit card bills.
You can apply for a credit card without a salary slip. However, for this, you should have adequate alternative income sources or a good bank balance.
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.
You can use your credit card to pay for big purchases only if you can afford to settle the credit card balance.
The interest rate for most credit cards in the UAE is variable and changes from time to time.
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.
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.
A premium credit card is a credit facility that charges an annual fee from you and offers exclusive benefits in return. Such a card is often viewed as a status symbol and offered only to people falling in the high-income bracket. Some benefits offered include concierge service, access to exclusive international airport lounges, global travel insurance, and more.
Both conventional and Islamic banks and lending institutions in the UAE offer shariah-compliant credit cards.