Credit Cards

Launched exclusively in the US in the year 1958, Bank of America developed the first modern credit card. This was soon followed by the launch of the first credit card outside America, in the UK approximately in the year 1966, by Barclaycard. Credit cards in UAE took a while to gain popularity. But once they did, adoption rates soared exponentially.

Credit cards in UAE offer a line of credit to be used in making a purchase provided the loan is paid back during a specific period. While using this card, the cardholder needs to pay the minimum payment at least by the due date. Al Etihad Credit Bureau (AECB) in UAE is the key-regulatory that keeps all the data related to credit cards and provides accurate credit reports to the banks, institutions and financial companies in UAE.

As the arrival of these cards left the customers with many doubts in mind such as:

  • Which is the best credit card in Dubai?
  • What credit card offers in UAE help me save the most?
  • Are online credit card transactions safe?
  • What are the fees and charges levied for credit cards in Dubai?
  • Does applying for a credit card in Dubai offer any exclusive benefit?
  • What’re the offers available with online credit card

You can read on to know more about credit cards in Dubai, credit card application process, features and benefits, type of credit cards in UAE etc. Here you go!

Types of Credit Cards

There are different types of plastic money in UAE, each caters to a different type of account holder. In order to understand which one suits the requirements and consequently pick the best credit card offers in UAE, it is important to familiarize yourself with the various categories to better.

Here are the different types of credit cards offered in UAE:

  • Basic Cards
  • Balance Transfer Cards
  • Rewards Cards
  • Premium Cards
  • Retail Cards
  • Secured Cards
  • Charge Cards

In order to cater to accountholders from different income brackets, banks offer a variety of credit card, each with its own eligibility criteria and credit limit. From free credit cards in UAE to premium ones, one can find the below types of cards to consider:

Basic Credit Cards

As the simplest type of credit card in UAE, these cards offer the cardholder no additional rewards or incentives. Instead, the basic credit card offers a low rate of interest and annual membership fees.

Note- Basic credit card is often confused as free credit cards in UAE.

Balance Transfer Credit Cards

Annual Percentage Rates (APR) plays a key factor in case of BTC Card. Let us take the example of a cardholder who has exceeded their grace period. Now they owe the bank a certain amount of money, which is known as debt. This debt is further increased by the APR, which comes into effect after the expiry of the grace period. If the cardholder were to compare credit cards in UAE, they might find another card with a much lower APR. Transferring the remaining debt to this card could not only save a large amount on interest but also allow the customer to merge all debt into a single account and thus make it easier to manage. This is what this card meant for.

Rewards Credit Cards

As the name suggests, this card awards the cardholder for using it to make a purchase. These credit card benefits could be in the form of discounts and offers on restaurant and hotel bookings. Additionally, some of the best credit cards in UAE even offer air miles. Typically, the banks offer a fixed amount of points per unit of currency spent using the credit card. These points can be redeemed for rewards and benefits.

Premium Credit Cards

Offering enhanced benefits, premium credit cards are preferred by high earning accountholders. Premium cards come with high annual membership fees. It offers a higher credit limit and a host of first-class benefits such as travel insurance, airport lounge access and concierge services to name a few.

Retail Credit Cards

Retail cards, or Store cards, are offered across a number of stores in UAE. The retail credit cards in UAE offer amazing discounts within the store and on the online e-commerce platform as well. Besides high discounted rates on products, RC cards also provide a great way to build a good credit history. Their basic eligibility criteria make it very easy to obtain.

Secured Credit Cards

For a cardholder with poor credit history, this card offers an effective way to build good credit. While they function exactly as a normal credit card does, the only difference is collateral. Cardholders need to deposit a collateral amount in order to enjoy the card benefits. The credit limit is set according to the accountholder’s prior credit history and the amount of money deposited as collateral

Charge Cards

Offered only for the accountholders having an excellent credit history, a charge card comes with unique features. Usually, the card is offered by only a few banks. Unlike traditional credit cards in UAE, the charge card doesn’t attract any interest rate. It is because charge cardholders need to pay off the entire balance at the end of every month. Cardholders who are unable to pay the balance have to pay a high The credit limit on a charge card is calculated on the basis of the accountholder’s prior credit history. Charge cards do not offer balance transfers but might offer rewards such as rental car insurance and purchase protection.

Features of Credit Cards

Here are some features and benefits to keep in mind while looking for this plastic money:

The applicants can opt for one after making credit card comparisons in UAE on the basis of the following factors & benefits:

  • The Credit Limit - Credit limit is its defining characteristic. The credit limit is the maximum amount of money the cardholder can spend using this card. This limit can vary depending on the card chosen . The best credit cards offer the maximum credit limit. Banks offer different types of credit cards in UAE. Different cards attract a different rate of interest, late fees, etc. Therefore, it is important to compare credit cards on the basis of their offered credit limits.

Note- Some of these cards have a variable spending limit. The limit is decided according to the spending power of the account holder rather than a pre-fixed limit.

  • Grace Period - The grace period of a specific card can be found in the credit document. The grace period is the period of time the cardholder is given to pay back the credit card bill, including interest (if any). Not paying the card bill within the grace period makes the cardholder a defaulter. As a result, they have to pay heavy fines and/or an increased rate of interest.

Note- Before you apply for a credit card in Dubai and the entire UAE, read the terms and conditions carefully.

  • Annual Percentage Rate - It is the rate of interest on the amount the cardholder has to pay after the expiry of the grace period. Not clearing the dues during grace period makes a cardholder a defaulter. It can increase the annual percentage rate payable by a cardholder. Some credit cards in UAE have a variable annual percentage rate, which can change multiple times in a year. In case there is any change in the annual percentage rate, the cardholder will be notified by the bank.

The account holder must compare these plastic cards on the basis of an annual percentage rate.

  • Annual Fees - An annual membership fee is charged for the privilege of using the credit card. The benefits of this card can be availed after paying the annual fees. Typically, the higher the credit limit is the higher the annual membership fee will be charged. If the account holder spends a fixed minimum amount per year using the card, certain credit cards in UAE don’t attract any annual fees. These may often be referred to as credit cards with a fee or as fee-free cards. While the cards do not attract any annual membership fees, interest is charged on the borrowed amounts (typically from the day of the transaction itself).
  • Offered Benefits - Credit cards in UAE also offer some spectacular benefits. These benefits are offered through loyalty programs. Under these programs, the cardholders earn points when they use the card to make a purchase. The points can be redeemed for amazing rewards as per the terms and conditions.

Note- Most of these credit card benefits are not applicable to free credit cards. It is a good idea to compare credit card offers in UAE on the basis of the offered benefits as well. 

Benefits of Credit Cards in UAE

Here are some of the most commonly offered benefits:

  • Cash Back - Every time the account holder makes a transaction using this card, they earn reward points. These reward points can then be redeemed as cash, which is credited directly into their account. Some credit cards in UAE offers cashback benefits cards. These cash back cards offer a return on every single transaction made using the card. While making any credit card comparisons in UAE, the account holder must keep these card-specific benefits in mind.
  • Air Miles - For the cardholders who fly a lot, whether for business or for pleasure, the air miles is the most beneficial feature to be availed with these plastic cards. Some of the best credit cards in UAE reward the cardholder with air miles per unit of currency spent (which is usually higher on foreign currency). These miles can be redeemed on booking flight tickets, flight tickets upgrade from economy to business or business to first-class and even for shopping at selected venues.
  • Airport Lounge Access - The cardholders can spend their waiting time at an airport in luxurious lounges across thousands of locations with certain credit cards. Depending on which credit card in UAE the cardholder has opted for, they may also be entitled to bring a guest along with. The account holders can compare credit cards to find one, which offers lounge access to the nearby airport, as it will be probably be utilized the most.
  • Cinema Offers – Many credit cards offer ‘buy one- get one free’ schemes to the cardholders. It let the cardholder avail complimentary movie tickets. The card offers exclusive benefits for the cardholders who are avid movie-goers. If the account holder wishes to apply for a credit card through the bank’s website, they ought to check the benefits offered in details at the individual product page and compare credit cards before applying.
  • Golf Benefits - UAE is home to some of the most stunning golf courses in the world. By opting for gold benefits credit card, the account holders can avail the golf benefits. Depending on the type of card, the cardholder can access the manicured greens at prestigious golfing locations across the country.
  • Travel Gains - For well-travelled accountholders, best credit card in UAE is the one that offers travel benefits. Starting from cash backs on world booking -class hotel all over the world, these credit card benefits also let the cardholders rack up reward points overnight on hotel stays and avail amazing deals on international events and cuisine.  Furthermore, travel benefits may also include discounted car rentals and complimentary travel insurance.
  • Rewards & Offers - From discounts on high-end gourmet meals to promotions on furniture and grocery shopping, many credit cards in UAE offer an impressive variety of spending options and extremely flexible reward systems. These rewards and offers are updated regularly too so that the cardholders can make best of their cards. If the cardholder wants, they can use the reward points to redeem the annual membership fee of the credit card.
  • Security Advantage - In order to monitor and protect all the issued credit cards in UAE, early warning fraud detection programs are a must for every bank. Most banks also offer a zero liability policy on lost credit cards. It ensures that cardholders do not have to bear charges on lost or stolen cards.
  • Purchase Protection - The benefit of purchase protection is offered on selected cards. Such cards offer coverage for new purchases in case any newly purchased item is damaged or stolen within a certain period of time from the date of purchase. The damaged/ stolen good is either replaced or reimbursed for the full value, as per the bill.

Eligibility Criteria

The following factors could affect the chances of an account holder of qualifying for a credit card in UAE:

  • Age - When it comes to being eligible for a credit card in UAE, age is an important factor. Most banks offer plastic cards to applicants between the age of 21 years to 60 years. But it is still possible to get a card as early as 18 if the applicant can show a source of independent income. Applicants under the age of 18 years require a legal guardian to co-sign their application.
  • Income - The applicant cannot obtain a credit card in UAE without showing a source of income. Monthly income also determines the type of card one can qualify for.
  • Credit History - While it is possible for applicants with low credit scores to obtain a credit card, they will be given very limited options such as that of fee-free cards. In order to qualify for the best credit cards in UAE, it is a must to have an impeccable credit history which should be between 300-900 score. Simply put, an applicant with the best credit history will get the best card with extensive offers.
  • ID Proof - A valid ID proof is an essential requirement for availing this card. Local residents must show their Emirates ID, while immigrants must show relevant documents such as passport and visa.
  • Address Proof - When it comes to applying for plastic money, address proof is a must. Some banks may even reject the application of account holders living in isolated places with little connectivity.
  • Nationality - Certain credit cards in UAE are offered exclusively for UAE nationals. In such cases, nationality also becomes a criterion for eligibility. Moreover, even the emirate an applicant resides in can make an impact on the application. For example, for a credit card in Dubai, online applications may be favoured more as compared to those in other emirates.

Note- The best credit cards in Dubai and the rest of UAE have the strictest eligibility criteria. To increase the chances of credit card eligibility in UAE for the best card offers, the applicants ought to maintain a good credit history and bank balance.

Top UAE Banks for Credit Cards

Mentioned below is the list of banks offering credit cards in UAE.

  • Citibank - Even before entering the credit card market, Citibank was a proud owner to host accolades in the world of finance. Founded in the year 1812, this illustrious bank was initially known as the City Bank of New York. Today, Citibank has over 2,600 branches, spread across 19 countries all over the globe. The Citibank UAE credit card was introduced as early as the year 1964 when the first Citibank branch was opened in the Dubai International Financial Centre (DIFC).
    Currently, Citibank is the largest issuer of plastic cards in the world, with global influence in over 90 countries, offering unique features such as travel miles.
  • Commercial Bank of Dubai - Founded in the coastal paradise of Deira, Dubai, the Commercial Bank of Dubai is known for its brilliantly and tactical investment strategies and as an issuer of some of the best credit cards in Dubai. Currently, having $10 billion in assets, CBD is ranked as the 35th largest bank in the Persian Gulf. CBD is listed in the Dubai Financial Market index as DFM: CBD, and is a leading issuer of credit cards in UAE.

Minimum Required Eligibility Criteria

While everyone wants the best credit card in UAE, not everyone is eligible for the same. A minimum monthly salary is required to avail these cards. Let us take a look at some viable credit cards, filtered by the different brackets of monthly salary.

Salary Bracket Credit Card Name Minimum Monthly Salary
AED 3,000 - AED 8,000 Citi Simplicity Card AED 5,000

Citi Cashback Card		 AED 8,000
Citi Rewards Card AED 8,000

Citi PremierMiles Titanium t Card		 AED 8,000

Citi Life Platinum Visa Card		 AED 8,000

Citi Life Platinum MasterCard Card		 AED 8,000
Emirates - Citibank Gold Card
AED 8,000

Commercial Bank of Dubai e-Tijari Web Card		 AED 8,000
Commercial Bank of Dubai Visa Platinum Card
AED 8,000
AED 9,000 - AED 15,000 Citi PremierMiles Signature Card AED 10,000
Commercial Bank of Dubai Titanium MasterCard
AED 10,000
Commercial Bank of Dubai Visa Signature Card AED 10,000
Commercial Bank of Dubai Super Saver Card AED 10,000

Emirates - Citibank World Card		 AED 12,000

Citi Premier Credit Card		 AED 15,000
AED 16,000 - AED 20,000 Citi Life Visa Infinite Card AED 18,000
Emirates - Citibank Ultimate Card AED 18,000
Commercial Bank of Dubai Visa Infinite Card AED 20,000
AED 20,000+ Citi Prestige Card AED 30,0000
Citi PremierMiles Elite Card AED 30,0000
Emirates - Citibank Ultima Card AED 36,750

Commercial Bank of Dubai World MasterCard		 AED 40,0000

How to Apply a Credit Card in the UAE?

One can apply for a credit card in UAE either by visiting a branch of the preferred card provider or through the bank’s online portal (if available). Online comparison is the best way to opt for the right plastic card in UAE, where one can compare credit cards as well. Online credit card is the safest and less time-consuming process where the applicant can get additional offers from the respective banks.

Documents Required for Applying a Credit Card in UAE

The applicant will require the following documents to apply for a credit card in UAE:

  • Application Form: A duly filled and signed application form is necessary. Most online credit card applications accept a digital signature.
  • ID Proof - For residents, this would be the Emirates ID. Expats will need to present their original passport.
  • Address Proof
  • Proof of Income - As mentioned earlier, the credit card eligibility in UAE depends on a minimum monthly income. The bank statement or salary slip can be used as proof of income. Certain banks may also ask for an entire year’s statement to determine whether the applicant has a stable source of income or not. The applicant applying for the best credit cards will also be required to maintain a minimum balance in their account.

How Applying with Policybazaar.ae Helps You?

 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 you to save time and zero down on the right card of your choice. Here is why you should opt for Policybazaar.ae  to initiate your research:

  • Compare available Cards - As an aggregator website, Policybazaar.ae offers its customers a platform to compare different types of credit cards in UAE. There is no better place to compare credit cards than Policybazaar.ae and get the right one in a hassle-free manner.
  • Unbiased Approach - PolicyBazaar.ae doesn’t favour any specific brand. The card comparison results are strictly statistic based. Policybazaar.ae follows an unbiased approach by aiming for an accurate representation of all credit card offers in UAE, to help make the decision easier for the applicant.
  • Accuracy - In order to provide accurate results, the comparison results are updated on a regular basis. By sharing accurate and up to date figures on annual membership fees, interest rates and more, Policybazaar.ae helps the individuals to come across the best credit card in UAE and makes the credit card application an easy victory.
  • Customer-First - PolicyBazaar.ae’s customer-first approach has earned the reputation of a friendly and approachable organization, dedicated to the welfare of the customers. Whether a user is unsure about how to apply for such plastic money or just wants to learn about the credit card offers available in UAE, Policybazaar.ae’s executives are always willing to answer such queries of their customers.
Provider Credit Card Name Annual Fee Eligibility
Citibank Emirates-Citibank Ultima Credit Card AED 3000 Income Eligibility: AED 36,750 (Minimum monthly income)
Features & Benefits
  • The retail & cash interest rate of 3.25% is charged per month
  • Maximum of 2.5 Skywards Mile on each USD spent on purchasing tickets through Emirates.com.
  • 5 Skywards Mile on each USD 1 spent in foreign currency and 1 Skywards Miles on each USD 1 spent domestically.
  • 25,000 sign-up Skywards Miles and 10,000 Skywards Miles on the annual payment of membership fee
  • Free Skywards Silver Membership
  • Unlimited access to over 1000 airport lounges globally and complimentary golf benefits during weekdays
  • Up to 4 “buy one, get one” complimentary movie tickets with this Citibank credit card.
  • Unlimited free supplementary cards
  • Maximum of 20% discount on selected gourmet restaurants and Up to 6 nights’ complimentary stay at over 175 participating Starwood Hotels & Resorts
  • Free Silver Marhaba Meet and greet Service and complimentary Travel Insurance Cover
  • International concierge service to plan dinner reservations, theatre or airline tickets
  • Enjoy 0% interest Easy Installment Payment Plans for three months
  • Free Discovery Black-Level Membership across 550+ hotels through the Global Hotel Alliance loyalty programme
Citibank Emirates-Citibank Ultimate Credit Card AED 800 Income Eligibility: AED 18,000 (Minimum monthly income)
Features & Benefits
Citibank Emirates-Citibank World Credit Card AED 400 Income Eligibility: AED 12,000 (Minimum monthly income)
Features & Benefits
Citibank Emirates-Citibank Ultima Visa Card AED 3000 NA
Features & Benefits
Citibank Emirates-Citibank Gold Credit Card AED 400 NA
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • 5 Skywards Mile on each USD 1 spent in foreign currency & 0.75 Skywards Miles on each USD 1 spent in local currency.
  • Transfer of Skywards Miles to the cardholder’s Skywards account on a weekly basis
  • Unlimited access to premium airport lounges
  • Complimentary Travel Insurance Cover
  • Up to 20% discount on selected gourmet restaurants
  • Enjoy 0% interest Easy Installment Payment Plans for three months
  • Automated account alerting service
Citibank Emirates-Citibank Silver Credit Card AED 250 NA
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • 75 Skywards Miles on each USD 1 spent in foreign currency & 0.5 Skywards Miles on each USD 1 spent in local currency.
  • Transfer of Skywards Miles to the cardholder’s Skywards account on a weekly basis
  • Free Marhaba Meet and greet Service one time a year at the Dubai International Airport T1, T2, & T3.
  • Get up to 5 supplementary Emirates-Citibank Silver credit Cards for family members
  • Up to 20% discount on selected gourmet restaurants
  • Enjoy 0% interest Easy Installment Payment Plans for three months
  • Automated account alerting service
Citibank Citi Prestige Credit Card AED 1500 Income Eligibility: AED 30,000 (Minimum monthly income)
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • 30,000 bonus signup ThankYou Points plus 1250 AED statement credit
  • Per USD 1 spend in local currency, 2 Thankyou Points are earned
  • For USD 1 spend in foreign currency, 3 ThankYou Points are earned
  • Per USD 1 spend on hotel bookings at Kalingo.com, 20 Thankyou Points are earned
  • Enjoy 10,000 ThankYou Points as an annual anniversary bonus
  • Unlimited access to 1000 plus airport lounges globally
  • Hotel reservations for four consecutive nights booked through this card, earn a complimentary 4th night at any hotel
  • Complimentary golf benefits in the UAE
  • Unlimited free supplementary Citi Prestige credit cards
  • Enjoy free Silver Marhaba Meet and greet Service
  • Offers Citi Prestige concierge service
  • Enjoy up to 4 “buy one, get one” complimentary movie tickets every month
  • Complimentary purchase protection
  • Cardholders get travel inconvenience cover
  • Travel medical insurance cover
  • Free Discovery Black-Level Membership across 550hotels through the Global Hotel Alliance loyalty programme
  • Comes with contactless payment technology
  • Automated account alerting service
Citibank Citi Premier Credit Card AED 750 Income Eligibility: AED 15,000 (Minimum monthly income)
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • No annual fee for the 1st year and get 400 AED statement credit
  • Convert Thankyou Points into shopping vouchers with participating partners
  • Per USD 1 spend in local currency, 1.5 Thankyou Points are earned
  • For USD 1 spend in foreign currency, 2 ThankYou Points are earned
  • Per USD 1 spend on hotel bookings at Kalingo.com, 15 Thankyou Points are earned
  • Unlimited access to over 1000 premium airport lounges globally
  • Enjoy free Marhaba Bronze Meet and greet Service
  • Free round of golf once a month at leading golf courses in the UAE
  • Up to 20% discount on selected gourmet restaurants
  • Complimentary purchase protection
  • Enjoy up to 4 “buy one, get one” complimentary movie tickets every month
  • Unlimited free supplementary Citi Premier credit cards
  • Cardholders get travel inconvenience cover
  • Travel medical insurance cover
  • Up to 6 nights’ complimentary stay at participating Starwood Hotels & Resorts
  • Complimentary Citi concierge service
  • Comes with contactless payment technology
  • Automated account alerting service
Citibank Citi Rewards Credit Card AED 9000 Income Eligibility: AED 8,000 (Minimum monthly income)
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • Per USD 1 spend in local currency, 1 Thankyou Point is earned
  • For USD 1 spend in foreign currency, 1.5 ThankYou Points are earned
  • Per USD 1 spend on hotel bookings at Kalingo.com, 10 Thankyou Points are earned
  • Complimentary access to 1000+ airport lounge worldwide
  • Up to 20% discount on selected gourmet restaurants
  • Complimentary purchase protection
  • Enjoy up to 2 “buy one, get one” complimentary movie tickets every month
  • Unlimited free supplementary Citi Rewards credit cards
  • Cardholders get travel inconvenience insurance cover
  • Travel medical insurance cover
  • Comes with contactless payment technology
  • Automated account alerting service
Citibank Citi PremierMiles Elite Credit Card AED 1500 Income Eligibility: AED 30,000 (Minimum monthly income
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • Purchases of USD 1 in local currency earn 2 Citi Miles while Purchases of USD 1 in foreign currency earn 3 Citi Miles
  • Redeem Citi Miles for gift vouchers, booking travel tickets, and even to cover the annual fee for this Citibank credit card.
  • Unlimited access to over 1000 premium airport lounges globally
  • International concierge service to plan dinner reservations, theatre or airline tickets
  • Get up to 5 free supplementary Citi PremierMiles Elite credit Cards for family members
  • Free round of golf once a month at leading golf courses in the UAE
  • Up to 20% discount on selected gourmet restaurants
  • Offers membership to top hotel loyalty programs
  • Complimentary Travel insurance cover
  • Automated account alerting service
Citibank Citi PremierMiles Signature Credit Card AED 750 Income Eligibility: AED 10,000 (Minimum monthly income)
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • Purchases of USD 1 in local currency earn 1.25 Citi Miles while Purchases of USD 1 in foreign currency earn 1.5 Citi Miles
  • Redeem Citi Miles for gift vouchers, booking travel tickets, and even to cover the annual fee for this card.
  • Unlimited access to premium airport lounges across the Middle East
  • Free travel accident insurance cover
  • Up to 20% discount on selected gourmet restaurants
  • Complimentary marhaba Bronze Meet
    & Greet service at the Dubai International Airport
  • Get up to 5 free supplementary Citi PremierMiles Titanium credit cards for family members
  • Comes with contactless payment technology
  • Automated account alerting service
Citibank Citi Life Mastercard Platinum Credit Card AED 300 NA
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • For each 1 AED spent in local currency, 1.5 CitiDollars are earned
  • For each 1 AED spent in foreign currency, 2.5 CitiDollars are earned
  • On every AED spent on hotel bookings at Kaligo.com, cardholder earn 20 CitiDollars
  • Unlimited access to more than 1000 airport lounges globally
  • Get up to 2 free movie tickets in a month when booked through VOX Cinemas
  • Up to 20% discount on selected gourmet restaurants
  • Get unlimited free supplementary Citi Life Mastercard Platinum credit cards
  • Hundreds of “buy one, get one free” offers on leisure, entertainment, spa, and hotels across Middle East & Africa
  • Comes with contactless payment technology
  • Automated account alerting service
Citibank Citi Life Infinite Visa Credit Card AED 600 NA
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • For each 1 AED spent in local currency, 2 CitiDollars are earned
  • For each 1 AED spent in foreign currency, 3 CitiDollars are earned
  • Get up to 2 free movie tickets in a month when booked through VOX Cinemas
  • Unlimited access to more than 1000 airport lounges globally
  • Complimentary travel accident insurance cover
  • Get up to 5 free supplementary Citi Life Infinite Visa credit cards
  • Up to 20% discount on selected gourmet restaurants
  • Free round of golf once a month at leading golf courses in the UAE
  • Get discounts on hotel stays and airline tickets through Lastminute.com & Expedia.
  • International concierge service to plan dinner reservations, theatre or airline tickets
  • Automated account alerting service
Citibank Citi Life World Elite Credit Card AED 600 NA
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • For each 1 AED spent in local currency, 2 CitiDollars are earned
  • For each 1 AED spent in foreign currency, 3 CitiDollars are earned
  • Get up to 2 free movie tickets in a month when booked through VOX Cinemas
  • Unlimited access to more than 1000 airport lounges globally
  • Complimentary marhaba Bronze Meet and greet service at the Dubai International Airport
  • Get unlimited free supplementary Citi Life World Elite credit cards
  • Free round of golf once a month at leading golf courses in the UAE
  • Up to 20% discount on selected gourmet restaurants
  • Comes with contactless payment technology
  • Automated account alerting service
Citibank Citi Life Visa Platinum Credit Card AED 300 NA
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • For each 1 AED spent in local currency, 1.5 CitiDollars are earned
  • For each 1 AED spent in foreign currency, 2.5 CitiDollars are earned
  • Get up to 2 free movie tickets in a month when booked through VOX Cinemas
  • Unlimited access to airport lounges in major cities across the globe
  • Get up to 5 free supplementary Citi Life Visa Platinum credit cards
  • Up to 20% discount on selected gourmet restaurants
  • Get discounts on hotel stays and airline tickets through Lastminute.com & Expedia.
  • Automated account alerting service
Citibank Citi Life Gold Credit Card AED 300 NA
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • For each 1 AED spent, 1.5 CitiDollars are earned
  • Up to 20% discount on selected gourmet restaurants
  • Get up to 5 free supplementary Citi Life Gold credit cards
  • Avail amazing offers on hotel stays, air tickets, car hire, and more
  • Automated account alerting service
Citibank Citi Life Silver Credit Card AED 150 NA
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • Earn 1 CitiDollar for each 1 AED spent
  • Up to 20% discount on selected gourmet restaurants
  • Get up to 5 free supplementary Citi Life Silver credit cards
  • Avail amazing offers on hotel stays, air tickets, car hire, and more
  • Comes with contactless payment technology
  • Automated account alerting service
Citibank Citi Cashback Credit Card AED 9000 Income Eligibility: AED 8,000 (Minimum monthly income)
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • Cardholders can get 250 AED statement credit by applying this Citibank credit card
  • Card members get 3% cashback on international spend, 2% cashback for grocery shopping, and 1% cashback for all other spends
  • Unlimited access to over 1000 premium airport lounges across the world
  • Up to 20% discount on selected gourmet restaurants
  • Cardholders get travel inconvenience insurance cover
  • Unlimited free supplementary Citi Cashback credit cards
  • Comes with contactless payment technology
  • Automated account alerting service
Citibank Citi Simplicity Credit Card No Annual Fee Income Eligibility: AED 5,000 (Minimum monthly income)
Features & Benefits
  • The retail interest rate of 3.50% is charged per month
  • No late charges and no over limit charges
  • No cash advance charges.
  • Complimentary access to airport lounges in specific airport lounges all over the Middle East
  • Up to 20% discount on selected gourmet restaurants
  • Hundreds of “buy one, get one free” offers on leisure, entertainment, spa, and hotels at around Middle East & Africa
  • 0% Balance transfer facility for 6 months
  • Unlimited supplementary Citi Simplicity credit cards
  • Automated account alerting service
Mashreq Mashreq Solitaire Visa Infinite Credit Card AED 1500 NA
Features & Benefits
  • The retail interest rate of 3.45% is charged per month
  • Earn 1 Salaam point for each AED spent in local currency
  • Earn 3 Salaam points for each AED spent in foreign currency
  • Enjoy free exclusive golf benefits at specific premium golf courses in Dubai & Abu Dhabi
  • Complimentary access at more than 900 airport lounges worldwide
  • Free multi-trip travel insurance cover
  • Enjoy 6 free Silver Marhaba Meet and greet Services in a year
  • Up to 30% discounts at UAE’s best restaurants
  • Complimentary valet parking service at prime locations in Dubai & Abu Dhabi
  • Get airport pickup & drop from and to Dubai International Airport Terminals & Abu Dhabi Airport
  • Enjoy unlimited free visits to Fitness First
  • Enjoy 30% off on luxury yacht charter
Mashreq Mashreq SmartSaver Global Credit Card AED 750 NA
Features & Benefits
  • The retail interest rate of 3.45% is charged per month
  • Enjoy 5% cashback on hotel, airline, and duty free spends
  • Get 2% guaranteed cashback on all international spends and 0.5% cashback on all local spends
  • Avail up to 8% Bonus cashback at participating merchant partners
  • Unlimited complimentary lounge access to 650+ airport lounges globally
  • Avail complimentary airport pick up & drop off service 6 times a year across Dubai
  • Up to 2 nights’ complimentary night stay at 175+ participating Starwood Hotels & Resorts
  • Up to 15% off on Hertz car rental
  • Get discounted chauffeur rides with Careem
  • Enjoy 10% off on any international round trip airfare with Cleartrip
  • Complimentary offers with MasterCard Buy1 Get 1 App
  • Comprehensive travel accident & medical insurance cover
Mashreq Mashreq Platinum Elite Credit Card AED 650 NA
Features & Benefits
  • The retail interest rate of 3.45% is charged per month
  • Unlimited access to over 700 airport lounges in 300+ cities
  • Enjoy 3 complimentary airport pick up & drop off service in Dubai
  • Enjoy free visits to Fitness First
  • Earn 1 Salaam point for each AED spent in local currency
  • Earn 3 Salaam points for each AED spent in foreign currency
  • Up to 50% off on dining
  • Complimentary travel insurance & membership of lounge key
  • Purchase protection and extended warranty
  • Transfer balance up to the 75% of the total credit limit at the lowest interest rates
  • 0% Easy Payment Plan (EPP)
Mashreq Mashreq sMiles Credit Card AED 300 NA
Features & Benefits
  • The retail interest rate of 3.45% is charged per month
  • Get up to 30,000 sMiles on paying the annual fee or spending on the card
  • Earn 1.5 sMiles for each AED spent in local & foreign currency
  • Redeem these sMiles instantly at more than 300 airlines and over 180000 hotels
  • Unlimited access to Marhaba airport lounges
  • Get up to 30% off at 1800+ restaurants across the UAE
  • MasterCard offers on Priceless Arabia
  • Offers free multi-trip travel insurance as well as fraud protection cover
  • 0% Easy Payment Plan (EPP)
  • Transfer balance up to the 75% of the total credit limit at the lowest interest rates
Mashreq Mashreq SmartSaver Credit Card No Annual Fee NA
Features & Benefits
  • The retail interest rate of 3.45% is charged per month
  • Get 1% guaranteed cashback on all international spends and 0.5% cashback on all local spends
  • Avail up to 8% Bonus cashback at participating merchant partners
  • Complimentary travel insurance cover
  • Convert regular payments to easy payment plan on zero interest rate
  • Transfer balance up to the 75% of the total credit limit at the lowest interest rates Credit shield protection
  • Offers service of cash on call
  • Offers several insurance programs such as Pay Protect, Credit Shield, and Smart Protect Program
Mashreq Mashreq Corporate Purchase Cards No Annual Fee NA
Features & Benefits
  • The retail interest rate of 3.25% is charged per month
  • Avail as a physical card as well as virtual card
  • Facility of B2G payment
  • No interest period for up to 51 days
  • 100% Auto debit facility
  • Multiple statement cycles are available
  • On reaching 80% of the card limit, the company is alerted through SMS
  • Updated authorization systems
  • Online banking access for monitoring all the transactions
  • Online reporting solution
  • The corporate liability waiver insurance coverage
Mashreq Mashreq Corporate Travel & Entertainment Card No Annual Fee NA
Features & Benefits
  • No interest period for up to 51 days
  • Multiple statement cycles are available
  • 100% Auto debit facility
  • On reaching 80% of the card limit, the company is alerted through SMS
  • Updated authorization systems
  • Offers an ability to limit staff usage
  • Online banking access for monitoring all the transactions
  • The corporate liability waiver insurance coverage
  • Unlimited access to 500+ premium airport lounges worldwide through LoungeKey program
  • Complimentary travel & accident insurance coverage for card members
  • Mashreq, Travel, and dining privileges
  • MasterCard commercial card offers at Priceless Arabia
Mashreq Mashreq Platinum Business Credit Card No Annual Fee NA
Features & Benefits
  • The retail interest rate of 3.45% is charged per month
  • Earn 1.5% cashback on local purchases and 2.5% cashback on international purchases
  • Free unlimited lounge access to some premium lounges across the Middle East
  • 0% Easy Payment Plan on flight & hotel booking for tenor of 12 months.
  • Business travel insurance at no cost
  • Several discounted offers on car rentals, hotel packages, hotel stays, and more
  • 50% off at 1800+ Mashreq Flavors restaurants all over UAE and 1300 restaurants in India, Oman & Qatar
  • The corporate liability waiver insurance coverage
  • 0% Easy Payment Plan (EPP)
  • Transfer balance up to the 75% of the total credit limit at the lowest interest rates
  • Offers service of cash on call
  • Offers several insurance programs such as Pay Protect, Credit Shield, and Smart Protect Program
Mashreq Mashreq Novo Cinema Credit Card AED 300 NA
Features & Benefits
  • The retail interest rate of 3.45% is charged per month
  • 50% discounts on up to 8 movie tickets every month
  • VIP treatment across every NOVO Cinemas all over the UAE
  • Unlimited access to premium airport lounges across the Middle East
  • Complimentary Multi-trip travel insurance
  • 0% Easy Payment Plan (EPP)
  • Offers service of cash on call
  • Transfer balance up to the 75% of the total credit limit at the lowest interest rates
  • Offers several insurance programs such as Pay Protect, Credit Shield, and Smart Protect Program
Mashreq Mashreq Platinum Elite Potraits/Selfie Credit Card No Annual Fee NA
Features & Benefits
  • Earn up to 4 Salaam points for each AED of domestic retail spends
  • Earn up to 8 Salaam points for each AED of international retail spends
  • Complimentary access to 500+ airport in more than 300 cities worldwide
  • Several discounted offers across dining, gym, and spa.
  • 15% off on the Safe driver service
  • Complimentary travel insurance coverage
  • Complimentary Lounge Key Membership Program
  • Offers several services such as Purchase protection & extended warranty
ADIB ADIB Etisalat Visa Signature Credit Card AED 1199 NA
Features & Benefits
  • This is an Islamic credit card
  • Up to 4 free supplementary credit cards
  • Offers up to 100,000 Etisalat Smiles points as a welcome bonus
  • For ‘non Self-funded credit card’ offer six Etisalat Smiles points for each AED spent
  • For ‘non Self-funded credit card’ offer 1 Etisalat Smiles points for each AED spent on participating merchants
  • For ‘Self-funded card offer 3 Etisalat Smiles points for each AED
  • For ‘Self-funded credit card’ earn 1 Etisalat Smiles points for each AED spent on participating merchants
  • Redeem Etisalat Smiles points for airline tickets, Etihad guest miles, and Etisalat talktime or data
  • Complimentary valet parking
  • Complimentary access to 850+ premium airport lounges globally
  • Instant cash can be withdrawn up to 100% of finance limit
  • Complimentary roadside assistance

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days)
ADIB ADIB Etisalat Platinum Credit Card AED 999 NA
Features & Benefits
  • This is an Islamic credit card
  • Up to 4 free supplementary credit cards
  • 70,000 Etisalat Smiles points as a welcome bonus
  • For ‘non Self-funded credit card’ offer 4 Etisalat Smiles points for each AED spent
  • For ‘non Self-funded credit card’ offer 1 Etisalat Smiles points for each AED spent on participating merchants
  • For ‘Self-funded card offer 2 Etisalat Smiles points for each AED spent
  • Redeem Etisalat Smiles points for the payment of mobile bills, air tickets, eLife service and more.
  • Access to premium airport lounges via Veloce Lounge
  • Instant cash can be withdrawn up to 100% of finance limit
  • Grace period for up to 55 days
  • Complimentary valet parking service at specific locations across the UAE

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days)
ADIB ADIB Etisalat Gold Credit Card AED 299 NA
Features & Benefits
  • This is an Islamic credit card
  • Up to 4 free supplementary credit cards
  • Offers 20,000 Etisalat Reward points as a welcome bonus
  • For ‘non Self-funded credit card’ offer3 Etisalat Smiles points for each AED spent
  • For ‘non Self-funded credit card’ offer 1 Etisalat Smiles points for each AED spent on participating merchants
  • For ‘Self-funded card offer 2 Etisalat Smiles points for each AED spent
  • For ‘Self-funded credit card’ offers 1 Etisalat Smiles points for each AED spent on participating merchants
  • Etisalat MyPackage Plan provides more Etisalat Smiles points
  • Instant cash can be withdrawn up to 100% of finance limit
  • Grace period for up to 55 days
  • Access to premium airport lounges via Veloce Lounge

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days)
ADIB ADIB Etisalat Classic Credit Card No Annual Fee NA
Features & Benefits
  • This is an Islamic credit card
  • Offers 5,000 Etisalat Reward points as a welcome bonus
  • 5 Etisalat Smiles points for each AED spent
  • Offers 1 Etisalat Smiles points for each AED spent on participating merchants
  • Instant cash can be withdrawn up to 100% of finance limit
  • Grace period for up to 55 days
  • Redeem Etisalat Smiles points for the payment of air tickets, eLife service, retail stores, and more.

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days)
ADIB ADIB Edge Credit Card No Annual Fee Income Eligibility: AED 30,000 (Minimum monthly income)
Features & Benefits
  • Offers 10% cashback on all dining spend across the UAE
  • Offers 2.5 rewards points for each dirham spent
  • Free round of golf at premium golf courses
  • Free 24x7 roadside assistance all over the UAE
  • Valet parking at specific locations in UAE
  • Multi-trip travel insurance coverage
  • Comes with advanced Chip & Pin technology
  • Instant cash can be withdrawn up to 100% of finance limit
  • Automatic room upgrade, complimentary breakfast, and other benefits at 800+ hotels globally
  • Free access to 1000+ airport lounges worldwide
  • Extended warranty & purchase protection
  • Takaful scheme protection

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days)
ADIB ADIB value Credit Card No Annual Fee NA
Features & Benefits
  • Offers up to 4 free supplementary cards
  • Up to 25% dining discounts at selected outlets all over the UAE
  • Comes with advanced Chip & Pin technology
  • Instant cash can be withdrawn up to 100% of finance limit
  • Offers 1 reward point for 1 dirham spend domestically
  • Offers 2 reward points for 1 dirham spend internationally
  • Redeem ADIB reward points for shopping vouchers and flight tickets
  • Extended warranty & purchase protection
  • Takaful scheme protection
  • Utility bill payments can be done through this card
  • Balance can be transferred with this card

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days)
ADIB ADIB Value+ Credit Card No Annual Fee NA
Features & Benefits
  • Offers up to 4 free supplementary cards
  • Up to 25% dining discounts at selected outlets all over the UAE
  • Offers 1 reward point for 1 dirham spend domestically
  • Offers 2 reward points for 1 dirham spend internationally
  • Redeem ADIB reward points for shopping vouchers and flight tickets
  • Access to premium airport lounges across the MENA/GCC region
  • Instant cash can be withdrawn up to 100% of finance limit
  • Utility bill payments can be done through this card
  • Exclusive offers on Priceless Arabia
  • Balance can be transferred with this card

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days)
ADIB ADIB Cashback Visa Platinum Credit Card AED 1000 NA
Features & Benefits
  • Offers up to 4 free supplementary cards
  • Offers 1% cash back anytime and anywhere
  • Complimentary roadside assistance
  • Instant cash can be withdrawn up to 100% of finance limit
  • Grace period is offered for up to 55 days
  • Valet parking service at specific locations across the UAE
  • Access to premium airport lounge globally through Veloce lounge
  • ADIB covered card bill payment can be done in numerous ways

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days)
ADIB ADIB Visa Cashback Credit Card AED 500 NA
Features & Benefits
  • Offers up to 4 free supplementary cards
  • Offers 1% cash back anytime and anywhere
  • Complimentary roadside assistance
  • Instant cash can be withdrawn up to 100% of finance limit
  • Grace period is offered for up to 55 days
  • ADIB covered card bill payment can be done in numerous ways
  • Airport lounge access globally through Veloce lounge

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days)
ADIB ADIB Business Platinum Covered Card AED 800 NA
Features & Benefits
  • This card is free for the 1st year
  • Subsequent annual membership of the principal card is AED 800
  • Offers up to 4 free supplementary cards
  • This is an Islamic visa credit card
  • Up to 250,000 covered card limit
  • Instant cash can be withdrawn up to 60% of credit limit
  • Comes with advanced Chip & Pin technology
  • Complimentary roadside assistance

Documents Required:

  • Bank Statement
  • Valid Emirates ID and passport
  • Trade/Professional License, Commercial Registration, Power of Attorney, Chamber of Commerce Membership Certificate, Memorandum of Association, and Board Resolution
ADIB ADIB Business Gold Covered Card AED 400 NA
Features & Benefits
  • This card is free for the 1st year
  • Subsequent annual membership of the principal card is AED 400
  • Offers up to 4 free supplementary cards
  • This is an Islamic visa credit card
  • Up to 150,000 covered card limit
  • Comes with advanced Chip & Pin technology
  • Complimentary roadside assistance

Documents Required:

  • Bank Statement
  • Valid Emirates ID and passport
  • Trade/Professional License, Commercial Registration, Power of Attorney, Chamber of Commerce Membership Certificate, Memorandum of Association, and Board Resolution
ADIB ADIB Etihad Visa Platinum  Credit Card AED 2000 NA
Features & Benefits
  • This is an Islamic card
  • Offers up to 4 free supplementary cards
  • Offers 50,000 Etihad Guest Miles as a welcome bonus
  • Offers 3 Etihad Guest Miles for each 4 AED spent in foreign currency
  • Offers 2.2 Etihad Guest Miles for each 4 AED spent in local currency
  • Complimentary companion ticket voucher
  • Etihad Guest Gold Tier
  • Complimentary access to premium airport lounges via lounge key program
  • Instant cash can be withdrawn up to 100% of finance limit
  • Valet parking service at specific locations in the UAE
  • Annual fees of ADIB Etihad Guest Covered Card can be made using 60600 Etihad Guest Miles
  • Free 24x7 roadside assistance across the UAE

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days)
ADIB ADIB Etihad Gold  Credit Card AED 1000 NA
Features & Benefits
  • This is an Islamic card
  • Offers up to 4 free supplementary cards
  • Offers 35,000 Etihad Guest Miles as a welcome bonus
  • Offers 1.5 Etihad Guest Miles for each 4 AED spent in foreign currency
  • Offers 1 Etihad Guest Miles for each 4 AED spent in local currency
  • Complimentary companion ticket voucher
  • Etihad Guest Silver Tier
  • Instant cash can be withdrawn up to 100% of finance limit
  • Free 24x7 roadside assistance across the UAE
  • Annual fees of ADIB Etihad Guest Covered Card can be made using 30300 Etihad Guest Miles
  • Complimentary airport lounge access through LoungeKey
  • Comes with advanced contactless and Chip & Pin technology

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days)
ADIB ADIB Etihad Classic  Credit Card AED 500 NA
Features & Benefits
  • This is an Islamic card
  • Offers up to 4 free supplementary cards
  • Offers 10,000 Etihad Guest Miles as a welcome bonus
  • Offers 1 Etihad Guest Miles for each 4 AED spent in foreign currency
  • Offers 0.75 Etihad Guest Miles for each 4 AED spent in local currency
  • Free 24x7 roadside assistance across the UAE
  • Instant cash can be withdrawn up to 100% of finance limit
  • Annual fees of ADIB Etihad Guest Covered Card can be made using 12500 Etihad Guest Miles
  • Comes with advanced contactless and Chip & Pin technology

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days)
ADIB ADIB Football Card AED 250 NA
Features & Benefits
  • This is an Islamic card
  • Offers up to 4 free supplementary cards
  • Offers 1% cash back anytime, anywhere in the world
  • Instant cash can be withdrawn up to 100% of finance limit
  • Grace period is offered for up to 55 days
  • Complimentary service from ADIB Travel Desk
  • ADIB Covered card payment can be made in numerous ways
  • Airport lounge access globally through Veloce Lounge
ADIB ADIB Dana Covered Card AED 299 NA
Features & Benefits
  • This is an Islamic card
  • Offers up to 4 free supplementary cards
  • Offers 1.25% cash back on international spend and 0.8% cash back on domestic spend
  • Access to 850+ VIP airport lounges globally
  • Several exclusive merchant offers & discounts
  • Travel & holiday packages discounts
  • Valet parking at selected locations across the UAE
  • Complimentary roadside assistance & Hertz gold membership
  • Meet and greet Service at 450 airports globally
  • Instant cash can be withdrawn up to 100% of finance limit
  • Discounts with Reebonz.com
ADIB ADIB Spice Card AED 199 Income Eligibility: AED 8000 for UAE Nationals,AED 12000 for Expatriates
Features & Benefits
  • This is an Islamic card
  • Offers up to 4 free supplementary cards
  • Up to 25% dining discount at specific restaurants
  • Provides priceless Arabia offers
  • Up to 1% cashbcak on all utility bill payments, 4% on fuel, 7% on grocery & supermarket, and 9% on all restaurants spends
  • Up to 2 Reward Points on all other spends
  • Instant cash can be withdrawn up to 100% of finance limit
  • ADIB 0% Murabaha Easy Pay Plan (EPP) is available for tenors of 3 or 6 months
  • Balance transfer and cash on call facility

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days
ADIB ADIB Rotana Rewards Exclusive Visa Card AED 1250 NA
Features & Benefits
  • This is an Islamic card
  • Offers up to 4 free supplementary cards
  • Offers 1 Rotana Reward Point for each dirham spend locally and 3 Rotana Reward Point for each dirham spend internationally
  • Offers 2 Rotana Reward Point for each dirham spend in all Rotana properties across the UAE
  • Up to 50% off at any Rotana restaurant
  • 20% off on hotel booking through rotana.com
  • Complimentary 24x7 roadside assistance
  • Instant cash can be withdrawn up to 100% of finance limit
  • Complimentary services through ADIB travel desk
  • Complimentary access to 850+ airport lounges globally via LoungeKey
  • Complimentary multi-trip travel protection cover
  • Comes with advanced contactless and Chip & Pin technology

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days
ADIB ADIB Booking.com Signature Card AED 299 NA
Features & Benefits
  • No annual fee for the 1st year
  • Subsequent annual membership for the covered card is 299
  • This is an Islamic card
  • Offers up to 4 free supplementary cards
  • Offers 10% off on hotels
  • Exclusive dining privileges and offers
  • Offers 7% additional discount on car rental price
  • Offers 5% cashback on flight booking and 4% on fuel spends
  • Up to 25% off on dining all over the UAE
  • Unlimited free VIP airport lounge access at 1000+ lounges globally
  • Instant cash can be withdrawn up to 100% of finance limit
  • Complimentary valet parking service 4 times a month
  • Round the clock concierge services to provide travel assistant
  • Multi-trip travel insurance

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days
ADIB ADIB Booking.com Infinite Card AED 2000 NA
Features & Benefits
  • This is an Islamic card
  • Offers up to 4 free supplementary cards
  • Offers 200,000 welcome reward points
  • Offers 10% off on hotels
  • Offers 7% cashback on flight booking and 5% on fuel spends
  • 3 reward points for each AED spent
  • Complimentary golf benefits
  • Unlimited free VIP airport lounge access at 1000+ lounges globally
  • Up to 25% off on dining all over the UAE
  • Instant cash can be withdrawn up to 100% of finance limit
  • Complimentary valet parking service 4 times a month
  • Offers 7% additional discount on car rental price
  • Complimentary Marhaba meet and greet service

Documents Required:

  • Original & photocopy of a valid Emirates ID & passport
  • Bank Statement of last 3 months
  • Salary certificate from present employer (not older than thirty days
American Express The American Express Platinum Credit Card No Annual Fee
  • Income Eligibility: AED 255,000 (for employed) & AED 275,000 (For self-employed)
  • ResidentialEligibility: UAE residents with valid UAE residence Visa
  • Age Eligibility: 21 years and more
  • Other Eligibility Criteria: Self-employed individuals should be working for more than 1 year
  • Good credit history
Features & Benefits
  • Annual fee waiver with FeeBack
  • Offers 2 Membership Rewards points on every 4 AED spent on Groceries or holiday tickets
  • Redeem Membership Rewards points for free hotel stays, upgrades, flight tickets, and more
  • Offers up to 2 free supplementary cards
  • 24x7 Customer service
  • Complimentary access to over 1200 airport lounges worldwide with Priority Pass Programme
  • Comprehensive retail protection and travel accident insurance
  • Exclusive privileges & offers by American Express Selects
  • Online fraud protection guarantee
  • American Express Android & iPhone App to stay updated on new offers
  • Convenient online banking access to the bank account
American Express The American Express Gold Credit Card AED 395
  • Income Eligibility: AED 180,000 (for employed) & AED 275,000 (For self-employed)
  • Residential Eligibility: UAE residents with valid UAE residence Visa
  • Age Eligibility: 21 years and more
  • Other Eligibility Criteria: Self-employed individuals should be working for more than 2 year
  • Good credit history
Features & Benefits
  • 24x7 Customer service
  • Membership Rewards Program access
  • Offers 1 points for each AED 4 spend
  • Complimentary airport lounge access with Priority Pass Programme
  • Exclusive privileges & offers by American Express Selects
  • Comprehensive retail protection & travel insurance coverage
  • Online fraud protection guarantee
  • Offers up to 9 free supplementary cards
  • American Express Android & iPhone App to stay updated on new offers
  • Convenient online banking access to the bank account
American Express The Dubai Duty Free American Express Card AED 175
  • Income Eligibility: AED 180,000 (for employed) & AED 275,000 (For self-employed)
  • Residential Eligibility: UAE residents with valid UAE residence Visa
  • Age Eligibility: 21 years and more
  • Other Eligibility Criteria: Self-employed individuals should be working for more than 2 year
  • Good credit history
Features & Benefits
  • 10% savings on a range of products at “Dubai Duty Free”
  • Gives a chance to win raffle entries into the ‘Finest Surprise’ & ‘Millennium Millionaire’ every month
  • Retail protection and travel inconvenience insurance coverage
  • 24x7 Customer service
  • Exclusive privileges & offers by American Express Selects
  • Convenient online banking access to the bank account
American Express American Express 1% Moneyback Gold Credit Card AED 100 NA
Features & Benefits
  • Complimentary airport lounge access all over the Middle East
  • Comprehensive travel accident insurance coverage
  • Interest free period for up to 56 days
  • Offers up to 9 free supplementary cards
  • Online fraud protection guarantee
  • Purchase protection
  • Convenient online banking access to the bank account
American Express The American Express Credit Card No Annual Fee NA
Features & Benefits
  • Payment in easy installments
  • Free supplementary cards
  • Online fraud protection guarantee
  • Convenient online banking access to the bank account
  • Instant cash can be withdrawn up to 20% of the credit limit in local currency
  • Exclusive offers on dining, travel, shopping, and leisure
American Express American Express Corporate Cards AED 170 – AED 370 NA
Features & Benefits
  • 50% retail monthly interest
  • Membership Rewards Loyalty program for an annual fee of AED 190
  • Offers 1 Membership Rewards point
  • Complimentary access to over 1200 airport lounges globally
  • 56-day credit period
  • Exclusive privileges & offers by American Express Selects
  • Offers several emergency services such as card replacement, cash access, and global assistance
  • Travel inconvenience insurance coverage
American Express American Express Corporate Purchasing Card No Annual Fee NA
Features & Benefits
  • 50% retail monthly interest
  • Offers flexible spending limits, improved cash flow, enhanced data, and easy payment processes
  • Offers a fraud monitoring system to control fraud
  • Allows businesses to manage and monitor indirect expenditures
  • Easier auditing processes
  • 60 days of extended credit for the company
  • List of permitted supplier can be set by the company
Emirates Islamic Emirates Islamic Emarati Credit Card No Annual Fee
  • Income Eligibility: AED 5,000 (Minimum Income Required)
  • Residential Eligibility: Only available for UAE nationals
  • Documents Required: Emirates ID, passport copy, salary certificate and bank statement of the last 3 months
Features & Benefits
  • The monthly profit rate is 2.49%
  • Designed exclusively for Emarati
  • Offers 10% off on dining & unlimited access to 900+ airport lounges globally
  • Offers 25000 EI SmartMiles as a welcome bonus (250 AED worth)
  • Offers 2.5 EI SmartMiles for each 1 AED spent domestically and 3.75 EI SmartMiles for each 1 AED spent internationally
  • Samsung pay, Apple Pay, & Visa Pay more easier and secure way to pay for daily purchases
  • Redeem EI SmartMiles for free hotels, flights, and retail transactions anywhere
  • 2 complimentary airport transfers with Careem and offers complimentary valet parking service at top locations in Dubai & Abu Dhabi
  • Offers global concierge service and multi-travel insurance
  • Up to 4 free supplementary cards
  • Shopping, dining and travel privileges with the Mazaya offers programme
Emirates Islamic Emirates Islamic Shari'a Compliant Emirates Islamic Business Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
Features & Benefits
  • The monthly profit rate is 3.25%
  • Multiple cards provided for partners and employees
  • Globally accepted for business-related payments
  • Unlimited free lounge access to 750+ airport lounges
  • Offers EI SmartMiles on all purchases
  • Facility of cash-on-call through 24x7 phone banking service
  • Balance can be transferred from other banks to existing business credit cards
  • Enhanced security with 3D secure feature & advanced Chip & Pin technology
  • Best deals on business trip through Kaligo.com
  • Legal & medical assistance
  • Offers many services such as global concierge service, Multi-trip travel insurance, extended warranty, and purchase protection
  • Up to 30% off at famous local restaurants

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Cash back Credit Card AED 5000
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • The monthly profit rate is 3.49%
  • No minimum spend required for earning cashback
  • 10% cashback on telecom expenses, 5% on electronic purchases, & 1% on other transactions
  • Facility of cash-on-call through 24x7 phone banking service
  • Easy Payment Plan (EPP), cash advance, balance transfer, and Islamic credit shield facility
  • Up to 4 Free supplementary cards
  • Purchase protection & extended warranty
  • 24x7 customer service facility
  • Legal & medical assistance whenever is required
  • Offers special privileges at 900+ luxurious hotel properties
  • Shopping, dining and travel privileges with the Mazaya offers programme

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Cashback Plus Credit Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • For subsequent years, an annual fee is AED 299 (free on a minimum spending of 30000 AED annually)
  • The monthly profit rate is 3.35%
  • Up to 10% cashback on education, dining, telecom expenses & supermarket spends
  • Comes with a built-in RTA NoI Chip and also offers auto top-up facility on NoI & Salik
  • Provides Gold Class Cabin access to the Dubai Metro and special privileges at 900+ luxurious hotel properties
  • Up to 4 Free supplementary cards
  • Complimentary unlimited access to 1000+ airport lounges globally & 2 complimentary airport transfers with Careem
  • Complimentary two rounds of golf in a month at leading golf courses
  • Multi-trip travel insurance coverage
  • Legal & medical assistance whenever is required
  • Easy Payment Plan (EPP), balance transfer, and Islamic credit shield facility

Documents Required:

  • ID copy or passport
  • Security cheque
  • Emirates Islamic Cashback 
  • Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Easy Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • The monthly profit rate is 3.50%
  • Shopping, dining and travel privileges & discounts with the Mazaya offers programme
  • Easy Payment Plans with 0% profit rate
  • Up to 4 Free supplementary cards
  • Cash-on-call facility
  • Instant cash can be withdrawn up to the 80% credit limit
  • Balance can be transferred from other bank to this credit card
  • Global acceptance at more than 30 million retail outlets and at over 1 million ATMs
  • 3D Secure feature for safe & secure online shopping

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Union coop Tamayaz credit card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • The monthly profit rate is 3.49%
  • Complimentary 6000 ‘Tamayaz Points’ as a sign-up bonus
  • Up to 3 Tamayaz Points for each transaction made in AED at Union Coop
  • Up to 2 Tamayaz Points for each AED spent internationally and up to 1 Tamayaz Points for each AED spent locally
  • One complimentary parking every month at specific locations
  • ‘Visa Paywave’ provides easy Tap & Pay experience
  • Purchase protection & extended warranty
  • Global assistance and Shopper Valet service
  • Up to 4 Free supplementary cards
  • Offers visa golf access & exclusive discounts
  • Credit Shield cover
  • Legal & medical assistance
  • Facility of cash-on-call is provided
  • Shopping, dining and travel privileges & discounts with the Mazaya offers programme

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Sharia compliant Emirates Islamic Rewards Classic Credit Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • This card doesn’t charge a profit rate
  • It charges an annual fee & monthly fee on the basis of the required credit limit
  • The annual fee for this credit card is AED 200 (free on a minimum spending of 5000 AED annually)
  • The monthly fee varies from AED 200 to AED 1800, depending on the credit limit
  • 18000 choice points can be redeemed for 100 AED vouchers
  • 14000 choice points can be redeemed for 1500 Etihad Guest Miles
  • 16000 choice points can be redeemed for 2000 Etihad Guest Miles
  • Choice points can be redeemed for airline miles, annual fee, supermarkets, entertainment, leisure, and more
  • Up to 4 Free supplementary cards
  • Shopping, dining and travel privileges & discounts with the Mazaya offers programme
  • Instant cash can be withdrawn from over 780000 ATMs

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Sharia compliant Emirates Islamic Rewards Gold Credit Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • This card doesn’t charge a profit rate
  • It charges an annual fee & monthly fee on the basis of the required credit limit
  • The annual fee for this credit card is AED 200 (free on a minimum spending of 5000 AED annually)
  • The monthly fee varies from AED 200 to AED 1800, depending on the credit limit
  • 18000 choice points can be redeemed for 100 AED vouchers
  • 14000 choice points can be redeemed for 1500 Etihad Guest Miles
  • 16000 choice points can be redeemed for 2000 Etihad Guest Miles
  • Choice points can be redeemed for airline miles, annual fee, supermarkets, entertainment, leisure, and more
  • Up to 4 Free supplementary cards
  • Shopping, dining and travel privileges & discounts with the Mazaya offers programme
  • Instant cash can be withdrawn from over 780000 ATMs

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Sharia compliant Emirates Islamic Rewards Platinum Credit Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • This card doesn’t charge a profit rate
  • It charges an annual fee & monthly fee on the basis of the required credit limit
  • The annual fee for this credit card is AED 200 (free on a minimum spending of 5000 AED annually)
  • The monthly fee varies from AED 200 to AED 1800, depending on the credit limit
  • Up to 2 choice points for each AED spent on Platinum credit card
  • 18000 choice points can be redeemed for 100 AED vouchers
  • 14000 choice points can be redeemed for 1500 Etihad Guest Miles
  • 16000 choice points can be redeemed for 2000 Etihad Guest Miles
  • Choice points can be redeemed for airline miles, annual fee, supermarkets, entertainment, leisure, and more
  • Up to 4 Free supplementary cards
  • Shopping, dining and travel privileges & discounts with the Mazaya offers programme
  • Instant cash can be withdrawn from over 780000 ATMs

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Sharia compliant Emirates Islamic Rewards Infinite Credit Card No Annual Fee Income Eligibility: AED 25000 ( Minimum Income Required)
Features & Benefits
  • This card doesn’t charge a profit rate
  • It charges an annual fee & monthly fee on the basis of the required credit limit
  • The annual fee for this credit card is AED 200 (free on a minimum spending of 5000 AED annually)
  • The monthly fee varies from AED 200 to AED 1800, depending on the credit limit
  • 18000 choice points can be redeemed for 100 AED vouchers
  • 14000 choice points can be redeemed for 1500 Etihad Guest Miles
  • 16000 choice points can be redeemed for 2000 Etihad Guest Miles
  • Choice points can be redeemed for airline miles, annual fee, supermarkets, entertainment, leisure, and more
  • Up to 4 Free supplementary cards
  • Shopping, dining and travel privileges & discounts with the Mazaya offers programme
  • Instant cash can be withdrawn from over 780000 ATMs

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Abu Dhabi Rewards Classic Credit Card No Annual Fee
  • Income Eligibility: For expatriates –
  • AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • This card doesn’t charge a profit rate
  • It charges an annual fee & monthly fee on the basis of the required credit limit
  • The annual fee for this credit card is AED 200 (free on a minimum spending of 5000 AED annually)
  • 18000 choice points can easily redeemed for AED 100 vouchers
  • 14000 choice points can easily redeemed for 1500 Etihad Guest Miles
  • 16000 choice points can easily redeemed for 2000 Etihad Guest Miles
  • Up to 2 choice points for each AED spent on the credit card
  • Choice points can be redeemed for airline miles, annual fee, supermarkets, entertainment, leisure, and more
  • Up to 4 Free supplementary cards
  • Shopping, dining and travel privileges & discounts with the Mazaya offers programme
  • Instant cash can be withdrawn from over 780000 ATMs

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary
Emirates Islamic Emirates Islamic Abu Dhabi Rewards Gold Credit Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • This card doesn’t charge a profit rate
  • It charges an annual fee & monthly fee on the basis of the required credit limit
  • The annual fee for this credit card is AED 200 (free on a minimum spending of 5000 AED annually)
  • 18000 choice points can easily redeemed for AED 100 vouchers
  • 14000 choice points can easily redeemed for 1500 Etihad Guest Miles
  • 16000 choice points can easily redeemed for 2000 Etihad Guest Miles
  • Up to 2 choice points for each AED spent on the credit card
  • Choice points can be redeemed for airline miles, annual fee, supermarkets, entertainment, leisure, and more
  • Up to 4 Free supplementary cards
  • Shopping, dining and travel privileges & discounts with the Mazaya offers programme
  • Instant cash can be withdrawn from over 780000 ATMs

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Abu Dhabi Rewards Platinum Credit Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • This card doesn’t charge a profit rate
  • It charges an annual fee & monthly fee on the basis of the required credit limit
  • The annual fee for this credit card is AED 200 (free on a minimum spending of 5000 AED annually)
  • 18000 choice points can easily redeemed for AED 100 vouchers
  • 14000 choice points can easily be redeemed for 1500 Etihad Guest Miles
  • 16000 choice points can easily be redeemed for 2000 Etihad Guest Miles
  • Up to 2 choice points for each AED spent on the credit card
  • Choice points can be redeemed for airline miles, annual fee, supermarkets, entertainment, leisure, and more
  • Up to 4 Free supplementary cards
  • Shopping, dining and travel privileges & discounts with the Mazaya offers programme
  • Instant cash can be withdrawn from over 780000 ATMs

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Abu Dhabi Rewards Infinite Credit Card No Annual Fee Income Eligibility: AED 25000 ( Minimum Income Required)
Features & Benefits
  • This card doesn’t charge a profit rate
  • It charges an annual fee & monthly fee on the basis of the required credit limit
  • The annual fee for this credit card is AED 200 (free on a minimum spending of 5000 AED annually)
  • 18000 choice points can easily redeemed for AED 100 vouchers
  • 14000 choice points can easily redeemed for 1500 Etihad Guest Miles
  • 16000 choice points can easily redeemed for 2000 Etihad Guest Miles
  • Up to 2 choice points for each AED spent on the credit card
  • Choice points can be redeemed for airline miles, annual fee, supermarkets, entertainment, leisure, and more
  • Up to 4 Free supplementary cards
  • Shopping, dining and travel privileges & discounts with the Mazaya offers programme
  • Instant cash can be withdrawn from over 780000 ATMs

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Flex Credit Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • This is a free for life credit card
  • The monthly profit rate is 3.49%
  • Automatic enrollment into the EI SmartMiles Loyalty program
  • 10,000 EI SmartMiles as a welcome bonus
  • Offers 2.25 EI SmartMiles for each 1 AED spent internationally and 1.25 EI SmartMiles for each 1 AED spent domestically
  • EI SmartMiles can be redeemed for free hotels, flights, and retail transactions anywhere
  • Up to 4 Free supplementary cards
  • Free purchase protection and extended warranty
  • Legal & medical assistance
  • Shopping, dining and travel privileges with the Mazaya offers programme
  • ‘Visa Paywave’ provides easy Tap & Pay experience
  • Offers exclusive discounts on time out dining and golf

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Flex Elite Credit Card AED 700
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transfer their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • The monthly profit rate is 3.25%
  • Automatic enrollment into the EI SmartMiles Loyalty program
  • 75,000 EI SmartMiles as a welcome bonus
  • Offers 3.75 EI SmartMiles for each 1 AED spent internationally and 2.5 EI SmartMiles for each 1 AED spent domestically
  • Free unlimited access to 750+ airport lounges globally with LoungeKey Programme
  • Free global concierge service, purchase protection, extended warranty, and multi-trip travel insurance
  • Legal & medical assistance
  • 4 complimentary airport transfers annually with Careem
  • Complimentary unlimited golf benefits at leading golf courses
  • Complimentary valet parking service
  • Offers exclusive discounts on time out dining and golf

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Skywards Fee-based Infinite Credit Card No Annual Fee Income Eligibility: AED 25000 ( Minimum Income Required)
Features & Benefits
  • This card doesn’t charge any profit rate
  • The monthly fee varies from AED 200 to AED 4500, depending on the credit limit.
  • The annual fee for this credit card is AED 2000
  • Offers up to 2 Skywards Miles on every USD spent
  • Free Emirates Skywards Silver Membership
  • Unlimited free golf benefits& complimentary valet parking
  • Unlimited access to 900+ airport lounges & 4 complimentary airport transfers annually with Careem
  • Free purchase protection and extended warranty
  • Complimentary multi-trip travel insurance & offers many services such as global concierge, credit shield, and global assistance
  • Cash advance and balance transfer facility
  • Shopping, dining and travel privileges with the Mazaya offers programme

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Skywards Fee-based Gold Credit Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • The monthly fee varies from AED 200 to AED 4500, depending on the credit limit.
  • The annual fee for this credit card is AED 400
  • Offers 0.6 Skyward Miles per USD 1 spend at Emirates airline, domestically & internationally
  • Provides 2 additional Skyward Miles on each USD 1 spent with ‘Extra Miles App’
  • Up to 4 supplementary cards
  • Shopping, dining and travel privileges with the Mazaya offers programme
  • Balance transfer facility
  • Instant cash can be withdrawn up to 50% of the total credit limit of the card

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Skywards Fee-based Platinum Credit Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • This card doesn’t charge any profit rate
  • The monthly fee varies from AED 200 to AED 4500, depending on the credit limit.
  • The annual fee for this credit card is AED 700
  • Offers Double Skyward Miles for each transactions made at Emirates airline
  • Offers 0.75 Skyward Miles on everyday spends including du or Etisalat bill and 50% Skyward Miles for each overseas transaction
  • Provides 2 additional Skyward Miles on each USD 1 spent with ‘Extra Miles App’
  • Shopping, dining and travel privileges with the Mazaya offers programme
  • Free golf fee card
  • Up to 4 supplementary cards
  • Balance transfer facility

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Skywards profit-based Signature Credit Card AED 700
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • The monthly profit rate is 3.25%
  • Offers Double Skyward Miles for each transactions made at Emirates airline
  • Offers 0.75 Skyward Miles on everyday spends including du or Etisalat bill
  • Shopping, dining and travel privileges with the Mazaya offers programme
  • Unlimited access to 750+ airport lounges
  • Complimentary valet parking & multi-trip travel insurance
  • Exclusive benefits at more than 900 prestigious properties globally & golf benefits at leading golf courses across the UAE
  • Free purchase protection and extended warranty
  • Legal & medical assistance
  • Credit shield cover, cash-on-call and balance transfer facility
  • Up to 4 supplementary cards

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic Skywards Profit-based Infinite Credit Card AED 2000 Income Eligibility: AED 25000 ( Minimum Income Required)
Features & Benefits
  • The monthly profit rate is 2.99%
  • Offers up to 2 Skywards Miles on every USD spent
  • Free Emirates Skywards Silver Membership
  • Unlimited free golf benefits& complimentary valet parking
  • 900+ airport lounges
  • 4 complimentary airport transfers annually with Careem
  • Free purchase protection and extended warranty
  • Complimentary multi-trip travel insurance & offers many services such as global concierge, credit shield, and global assistance
  • Cash advance and balance transfer facility
  • Shopping, dining and travel privileges with the Mazaya offers programme

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic RTA profit-based Credit Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • The monthly profit rate is 3.49%
  • Works as a credit card as well as an RTA NoI card
  • Can be used to make fare payments on various RTA transit network & Parking Meters
  • Salik Auto-top up facility can be activated with this credit card
  • Offers 10% cash back on RTA transport payments and fuel spends, 2.25% on international spends, & 1.25% on other spends
  • Credit shield cover & convenient payment options
  • Purchase protection & extended warranty
  • Emergency legal & medical service is offered
  • Offers several other emergency services such as card replacement and instant cash
  • Offers up to 4 supplementary cards
  • Shopping, dining and travel privileges with the Mazaya offers programme

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates Islamic Emirates Islamic RTA fee-based Credit Card No Annual Fee
  • Income Eligibility: For expatriates –AED 5000 (Approved employer who have transferred their salary to Emirates Islamic
  • AED 8000 (Approved & un-approved employer who have not transferred their salary to Emirates Islamic)
  • For self-employed –AED 20000
Features & Benefits
  • This card doesn’t charge any profit rate
  • The monthly fee varies from AED 200 to AED 1800, depending on the credit limit.
  • Works as a credit card as well as an RTA NoI card
  • Can be used to make fare payments on various RTA transit network & Parking Meters
  • Salik Auto-top up facility can be activated with this credit card
  • Offers 10% cash back on RTA transport payments and fuel spends, 2.25% on international spends, & 1.25% on other spends
  • Credit shield cover & convenient payment options
  • Purchase protection & extended warranty
  • Emergency legal & medical service is offered
  • Offers several other emergency services such as card replacement and instant cash
  • Offers up to 4 supplementary cards
  • Shopping, dining and travel privileges with the Mazaya offers programme

Documents Required:

  • ID copy or passport
  • Security cheque
  • Bank Statements (for those who don’t have an a/c with Emirates Islamic), financials, trade license, & salary certificate
Emirates NBD Emirates NBD Visa Infinite Credit Card AED 1500 NA
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 1500 AED
  • Unlimited complimentary access to 1000+ airport lounges in 300+ cities across the globe
  • Concierge desk facility for services like visa submission, courier, airport transfers in UAE
  • Free access to golf at five golfing locations
  • Up to four complimentary valet parking service of an hour each at selected shopping malls in UAE
  • Safe contactless payment using this card
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • Maximum discount of 50% at 500+ spas, gyms, medical & wellness centers, salons & more
  • 3% off on airline tickets & 7% on holiday schemes
  • Services like Salik Auto Top-up, Online bill payment monthly, SMS alert, 24/7 customer assistance, 24/7 roadside assistance for free
  • 0% interest installment plans
  • Protect plus, extended warranty, purchase protection, DoubleSecure, international travel & medical assistance
  • Flexible options for payments, instant cash and up to 55-days interest-free period
  • For each 100 AED spent, earning of 2 Plus Points maximum
  • 2.99% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD Visa Platinum Credit Card AED 700 NA
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 700 AED
  • Unlimited complimentary access to airport lounges at selected airports in the Middle East
  • Concierge desk facility for services like visa submission, courier, airport transfers in UAE
  • Free access to golf at five golfing locations
  • Up to four complimentary valet parking service of an hour each at selected shopping malls in UAE
  • Safe contactless payment using this card
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • Maximum discount of 50% at 500+ spas, gyms, medical & wellness centers, salons & more
  • 3% off on airline tickets & 7% on holiday schemes
  • Services like Salik Auto Top-up, Online bill payment monthly, SMS alert, 24/7 customer assistance
  • 50% discount on movie tickets on online booking at VOX Cinemas
  • 0% interest installment plans
  • Protect plus, extended warranty, purchase protection, DoubleSecure, international travel & medical assistance
  • Flexible options for payments, instant cash and up to 55-days interest-free period
  • For each 100 AED spent, earning of 2 Plus Points maximum
  • 3.25% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD MasterCard Platinum Credit Card AED 700 NA
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 700 AED
  • Unlimited complimentary access to 10 VIP airport lounges in KSA, UAE, Kuwait, Jordan and Egypt
  • Concierge desk facility for services like visa submission, courier, airport transfers in UAE
  • Free access to golf at five golfing locations
  • Up to four complimentary valet parking service of an hour each at selected shopping malls in UAE
  • Safe contactless payment using this card
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • Maximum discount of 50% at 500+ spas, gyms, medical & wellness centers, salons & more
  • 3% off on airline tickets & 7% on holiday schemes
  • Services like Salik Auto Top-up, Online bill payment monthly, SMS alert, 24/7 customer assistance, 24/7 roadside assistance for free, DoubleSecure, Protect Plus insurance
  • 0% interest installment plans
  • ‘Buy one Get one’ offers, discount on Careem Rides, travel discount on Cleartrip, Reebonz shopping online benefit, shopping benefit at Bicester Village, MYUS shipping benefit, MarkaVIP shopping online benefit
  • Protection from card fraud and Purchase protection
  • Flexible options for payments, instant cash and up to 55-days interest-free period
  • For each 100 AED spent, earning of 2 Plus Points maximum
  • 3.25% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD Titanium Credit Card AED 400 NA
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 400 AED
  • Unlimited complimentary access to 10 VIP airport lounges in KSA, UAE, Kuwait, Jordan and Egypt
  • Offers maximum 40% off at 100+ golf courses across the globe and maximum 15% off on golf equipments
  • Safe contactless payment using this card
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • Maximum discount of 50% at 500+ spas, gyms, medical & wellness centers, salons & more
  • 3% off on airline tickets & 7% on holiday schemes
  • Services like Salik Auto Top-up, Online bill payment monthly, SMS alert, 24/7 customer assistance, DoubleSecure, Protect Plus insurance
  • 0% interest installment plans
  • ‘Buy one Get one’offer, discount on Careem Rides, MarkaVIP shopping online benefit, Protection from card fraud
  • Flexible options for payments, instant cash and up to 55-days interest-free period
  • For each 100 AED spent, earning of 1 Plus Point maximum
  • 3.25% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD Diners Club Credit Card AED 400 NA
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 400 AED
  • Unlimited free access to premium airport lounges across the world
  • Global privileges on dining, travel, entertainment
  • Safe contactless payment using this card
  • Maximum discount of 30% at 2000+ restaurants in UAE, Europe, Middle East
  • Maximum discount of 50% at 500+ spas, gyms, medical & wellness centers, salons & more
  • 3% off on airline tickets & 7% on holiday schemes
  • Services like SMS alert, 24/7 customer assistance, 24/7 roadside assistance for free, travel insurance
  • Flexible options for payments, instant cash and up to 55-days interest-free period
  • For each 100 AED spent, earning of 5 Plus Points maximum
  • 3.25% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD Duo Credit Card AED 800 NA
Features & Benefits
  • Power of MasterCard Platinum and Diners Club in one card
  • This Emirates NBD Credit Card charges an annual fee of 800 AED
  • Unlimited complimentary access to 800+ premium participating lounges across the globe
  • Concierge desk facility for services like car registration/service, airport transfers in UAE
  • ‘Buy one get one’ offer on tickets at CineRoyal
  • Free access to golf at Yas Links, Abu Dhabi
  • Up to four complimentary valet parking service of an hour each at selected shopping malls in UAE
  • Safe contactless payment using this card
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • Maximum discount of 50% at 500+ spas, gyms, medical & wellness centers, salons & more
  • Maximum discount of 50% across indoor sports, theme parks, exciting adventures, marine attractions etc.
  • Services like SMS alert, 24/7 customer assistance, 24/7 roadside assistance for free, cash advance, purchase protection
  • Reward of 5% on fuel, education, utilities, electronics, grocery
  • Reward of 0.5% on hotels, dining, travel, online transaction and more
  • 3.25% monthly finance charge on retail purchases & cash advance
Emirates NBD Emirates NBD U by Emaar Visa Infinite Credit Card AED 1500 NA
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 1500 AED
  • Earn 25,000 Upoints on applying for the card
  • Earn 75 Upoints on every 100 AED spent at Emaar
  • Earn 15 Upoints on every 100 AED spent outside Emaar
  • 30% discount on dining at hospitality group of Emaar
  • 20% discount on spas at hospitality venues of Emaar
  • 30% discount on entertainment
  • 10% off on best rates available & free upgradation to suite on booking directly via website of Emaar hotels
  • ‘Buy one get one’ offer on Reel Cinemas
  • Unlimited complimentary access to over 850 airport lounges
  • Complimentary concierge and valet parking services at Dubai Mall
  • The Fashion Lounge Access at Dubai Mall with one guest
  • Instant cash and up to 55-days interest-free period
  • 3% off on airline tickets & 7% on holiday schemes
  • 0% interest installment plans
  • Emaar Status Platinum U
  • 3.09% monthly finance charge on retail purchases & cash advance
Emirates NBD Emirates NBD U by Emaar Visa Signature Credit Card AED 250 NA
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 250 AED
  • Earn 2500 Upoints on applying for the card
  • Earn 62.5 Upoints on every 100 AED spent at Emaar
  • Earn 12.5 Upoints on every 100 AED spent outside Emaar
  • 25% discount on dining at hospitality group of Emaar
  • 20% discount on spas at hospitality venues of Emaar
  • 30% discount on entertainment
  • 10% off on best rates available & free upgradation to the next category on booking directly via website of Emaar hotels
  • ‘Buy one get one’ offer on Reel Cinemas
  • Unlimited complimentary access to over 850 airport lounges
  • Complimentary concierge services at Dubai Mall
  • Instant cash and up to 55-days interest-free period
  • 3% off on airline tickets & 7% on holiday schemes
  • 0% interest installment plans
  • Emaar Status Gold U
  • 3.25% monthly finance charge on retail purchases & cash advance
Emirates NBD Emirates NBD U by Emaar Visa Family Credit Card No Annual Fee NA
Features & Benefits
  • Earn 50 Upoints on every 100 AED spent at Emaar
  • Earn 10 Upoints on every 100 AED spent outside Emaar
  • 20% discount on dining at hospitality group of Emaar
  • 20% discount on spas at hospitality venues of Emaar
  • 30% discount on entertainment
  • ‘Buy one get one’ offer on Reel Cinemas
  • Instant cash and up to 55-days interest-free period
  • 3% off on airline tickets & 7% on holiday schemes
  • 0% interest installment plans
  • Emaar Status Silver U
  • 3.25% monthly finance charge on retail purchases & cash advance
Emirates NBD Emirates NBD Skywards Infinite Credit Card AED 1500 Min Salary
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 1500 AED
  • Unlimited complimentary access to 650+ airport lounges in 300+ cities across the globe
  • Free access to golf at five golfing locations
  • Complimentary concierge and valet parking services
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • 3% off on airline tickets & 7% on holiday schemes
  • Services like Salik Auto Top-up, Online bill payment monthly, SMS alert, 24/7 customer assistance, 24/7 roadside assistance for free, contactless payment
  • 0% interest installment plans
  • Protect plus, extended warranty, purchase protection, DoubleSecure, international travel & medical assistance
  • Flexible options for payments, online bill payment, instant cash and up to 55-days interest-free period
  • For each 1 USD spent, earning of 2.5 miles maximum
  • 3.09% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD Skywards Signature Credit Card AED 700 Min Salary
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 700 AED
  • Unlimited complimentary access to 650+ airport lounges in 300+ cities across the globe
  • Free access to golf at five golfing locations
  • Complimentary concierge and valet parking services
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • 3% off on airline tickets & 7% on holiday schemes
  • Services like Salik Auto Top-up, Online bill payment monthly, SMS alert, 24/7 customer assistance, 24/7 roadside assistance for free, contactless payment
  • 0% interest installment plans
  • Protect plus, extended warranty, purchase protection, DoubleSecure, international travel & medical assistance
  • Flexible options for payments, online bill payment, instant cash and up to 55-days interest-free period
  • For each 1 USD spent, earning of 2.5 miles maximum
  • 3.25% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD dnata World Credit Card AED 999 Min Salary
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 999 AED
  • Unlimited complimentary access to 850+ airport lounges in 300+ cities across the globe
  • Free access to golf at five golfing locations
  • Complimentary concierge and valet parking services
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • 3% off on airline tickets & 7% on holiday schemes
  • Services like Salik Auto Top-up, Online bill payment monthly, SMS alert, 24/7 customer assistance, 24/7 roadside assistance for free, contactless payment
  • 0% interest installment plans
  • Protect plus, extended warranty, purchase protection, DoubleSecure, international travel & medical assistance
  • ‘Buy one Get one’ offers, discount on Careem Rides, travel discount on Cleartrip, shopping benefit at Bicester Village, MYUS shipping benefit, 5 Star Membership at Hertz Gold Plus Rewards, Protection from card fraud
  • Flexible options for payments, online bill payment, instant cash and up to 55-days interest-free period
  • Instant and Powerful Rewards on spends
  • 3.09% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD dnata Platinum Credit Card AED 500 Min Salary
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 500 AED
  • Unlimited complimentary access to 850+ airport lounges in 300+ cities across the globe
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • 3% off on airline tickets & 7% on holiday schemes
  • Services like Salik Auto Top-up, SMS alert, 24/7 customer assistance, 24/7 roadside assistance for free, contactless payment
  • 0% interest installment plans
  • Protect plus, extended warranty, purchase protection, DoubleSecure, international travel & medical assistance
  • ‘Buy one Get one’ offers, travel discount on Cleartrip, shopping benefit at Bicester Village, Protection from card fraud, Purchase protection
  • Flexible options for payments, online bill payment, instant cash and up to 55-days interest-free period
  • Instant and Powerful Rewards on spends
  • 3.25% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD Starwood Preferred Guest MasterCard AED 1500 Min Salary
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 1500 AED
  • Unlimited complimentary access to 650+ airport lounges across the globe
  • Free access to golf at five golfing locations
  • Complimentary concierge and valet parking services
  • Free SPG Elite Gold Status
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • 3% off on airline tickets & 7% on holiday schemes
  • Services like Salik Auto Top-up, Online bill payment monthly, SMS alert, 24/7 customer assistance, 24/7 roadside assistance for free, contactless payment
  • 0% interest installment plans
  • Protect plus, extended warranty, purchase protection, DoubleSecure, international travel & medical assistance
  • ‘Buy one Get one’ offers, discount on Careem Rides, travel discount on Cleartrip, shopping benefit at Bicester Village, MYUS shipping benefit, 5 Star Membership at Hertz Gold Plus Rewards, Protection from card fraud
  • Flexible options for payments, online bill payment, instant cash and up to 55-days interest-free period
  • Earn Rich Rewards on spends
  • 3.09% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD Go4it Gold Credit Card AED 99 Min Salary
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 99 AED
  • Functions as RTA Nol Card
  • Unlimited complimentary access to 650+ airport lounges across the globe
  • Free access to golf at five golfing locations
  • Complimentary Dubai Ferry rides
  • Exclusive offers on Cinema when booked through VOX cinemas
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • 3% off on airline tickets & 10% on holiday schemes
  • Services like Salik Auto Top-up, free life insurance, lifestyle protector insurance
  • 0% interest installment plans
  • Card Replacement & emergency cash, international travel & medical assistance
  • Flexible options for payments, online bill payment, instant cash and up to 55-days interest-free period
  • Earn five times rewards on all spends during weekends
  • 3.25% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD Go4it Platinum Credit Card AED 199 Min Salary
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 199 AED
  • Functions as RTA Nol Card
  • Free access to golf at five golfing locations
  • Complimentary Dubai Ferry rides
  • Exclusive offers on Cinema when booked through VOX cinemas
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • 3% off on airline tickets & 7% on holiday schemes
  • Services like Salik Auto Top-up, contactless payments, free life insurance, lifestyle protector insurance, DoubleSecure
  • 0% interest installment plans
  • Card Replacement & emergency cash, international travel & medical assistance
  • Flexible options for payments, online bill payment, instant cash and up to 55-days interest-free period
  • Earn Plus points on spends with instant redemption facility
  • 3.25% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD MasterCard United Credit Card AED 250 Min Salary
Features & Benefits
  • This Emirates NBD Credit Card charges an annual fee of 250 AED
  • Unlimited complimentary access to 10 VIP airport lounges in KSA, UAE, Kuwait, Jordan and Egypt
  • 40% off at 100+ golf courses
  • Emergency services like card replacement, cash advance, stolen/lost card, locating nearest ATM
  • Great Deals on The Theatre of Dreams
  • Maximum discount of 30% at 2000+ restaurants in UAE
  • 3% off on airline tickets & 10% on holiday schemes
  • Services like Salik Auto Top-up, contactless payments, SMS alerts, insurance on lifestyle protector, DoubleSecure
  • 0% interest installment plans
  • Flexible options for payments, online bill payment, instant cash and up to 55-days interest-free period
  • Rewards on joining and spends
  • 3.25% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
Emirates NBD Emirates NBD Webshopper Credit Card No Annual Fee Min Salary
Features & Benefits
  • Cannot be used at ATMs or swiped/inserted at merchants
  • Services like SMS alerts, 24/7 customer assistance, complimentary 24/7 roadside assistance, DoubleSecure
  • 0% interest installment plans
  • Flexible options for payments and up to 55-days interest-free period
  • For each 200 AED spent, earning of 1 Plus Point maximum
  • 3.25% monthly finance charge on retail purchases & cash advance

Documents Required:

  • Original & copy of Emirates ID
  • Passport Copy
  • Recent Salary Certificate (for salaried)
  • Trade License (for non-individuals)
  • Security Cheque
  • Previous 3 months bank statement
RAKBANK RAKBANK World MasterCard Credit Card No Annual Fee NA
Features & Benefits
  • 3.25% monthly finance charge on retail purchases & cash advance
  • Earn cashback on travel, supermarket, cinemas, international spends, domestic spends
  • ‘Buy one Get one’ offers, discount on Careem Rides, travel discount on Cleartrip, shopping benefit at Bicester Village, MYUS shipping benefit, MasterCard For You App
  • Unlimited complimentary access to 550+ airport lounges across the globe
  • Car Rental at Avis, Free Hotel Stay at Starwood Resorts & Hotels, Airport drop and pick-up service, Car Rentals at Hertz, Discounts luxury apartment
  • Travel medical & accident cover, travel cancellation & inconvenience, purchase protection and secure wallet
  • Flexible options for payments, balance transfer, 3D secure, 0% interest installment plans, contactless payment, and up to 55-days interest-free period
RAKBANK RAKBANK FC Barcelona Platinum Credit Card AED 300 NA
Features & Benefits
  • This RAKBANK Credit Card charges an annual fee of 300 AED
  • 3.45% monthly finance charge on retail purchases & cash advance
  • ‘Buy one Get one’ offers, discount on Careem Rides, travel discount on Cleartrip, shopping benefit at Bicester Village, MYUS shipping benefit, car rentals at Avis, Airport drop and pick-up service
  • Unlimited complimentary access to 25+ selected airport lounges across the globe
  • RAKMoney Transfer service, Purchase protection, Free insurance on travel accident
  • Dining offers at 220 outlets & restaurants in UAE with dining discount scheme of RAKfeast
  • 0% interest installment plans, balance transfer, and up to 55-days interest-free period
  • Amazing offers on jewellery, electronics, holidays, furnishing, dining and more
  • Earn RAKBarca Rewards on all spends
RAKBANK RAKBANK Air Arabia Platinum Credit Card AED 400 Income Eligibility: AED 5,000
Features & Benefits
  • This RAKBANK Credit Card charges a joining fee of 400 AED
  • No annual fee
  • 3.45% monthly finance charge on retail purchases & cash advance
  • ‘Buy one Get one’ offers, discount on Careem Rides, travel discount on Cleartrip, shopping benefit at Bicester Village, MYUS shipping benefit, car rentals at Avis, Airport drop and pick-up service
  • In-flight meal and excess baggage vouchers
  • Unlimited free access to 10+ CAC and Marhaba lounges in KSA, Kuwait, UAE, Egypt and Jordan
  • RAKMoney Transfer service, Purchase protection, Free insurance on travel accident
  • Dining offers at 220 outlets & restaurants in UAE with dining discount scheme of RAKfeast
  • 0% interest installment plans, balance transfer, and up to 55-days interest-free period
  • Amazing offers on jewellery, electronics, holidays, furnishing, dining and more
  • Earn Air Reward Points against joining fees and other spends
RAKBANK RAKBANK Highflyer Platinum Credit Card No Annual Fee NA
Features & Benefits
  • No annual fee
  • 3.45% monthly finance charge on retail purchases & cash advance
  • ‘Buy one Get one’ offers, discount on Careem Rides, travel discount on Cleartrip, shopping benefit at Bicester Village, MYUS shipping benefit, car rentals at Avis, Airport drop and pick-up service, Shopping discount at European Villages for Shopping
  • Unlimited free access to 10+ CAC and Marhaba lounges in KSA, Kuwait, UAE, Egypt and Jordan
  • RAKMoney Transfer service, Purchase protection, Free insurance on travel accident
  • Dining offers at 220 outlets & restaurants in UAE with dining discount scheme of RAKfeast
  • 0% interest installment plans, balance transfer, and up to 55-days interest-free period
  • Amazing offers on jewellery, electronics, holidays, furnishing, dining and more
  • Earn 350,000 RAKrewards monthly (maximum) on all international and domestic spends
RAKBANK RAKBANK Titanium Credit Card No Annual Fee NA
Features & Benefits
  • 3.45% monthly finance charge on retail purchases & cash advance
  • ‘Buy one Get one’ offers, discount on Careem Rides
  • Unlimited free access to 10+ VIP airport lounges in Abu Dhabi, Cairo, Jordan, Dubai and Kuwait.
  • RAKMoney Transfer service, Purchase protection, Free insurance on travel accident
  • Exclusive discounts on dining with RAKfeast program
  • Access to various benefits through MasterCard for You App
  • 0% interest installment plans, balance transfer, and up to 55-days interest-free period
  • Amazing offers on jewellery, electronics, holidays, furnishing, dining and more
  • Cashback on dining, supermarkets, cinemas and other international and domestic spends
RAKBANK RAKBANK My Ras Al Khaimah Credit Card No Annual Fee NA
Features & Benefits
  • 3.45% monthly finance charge on retail purchases & cash advance
  • 50% discount on movie tickets at VOX Cinemas
  • Discount on hotel bookings, car rentals, airport meet and assist services
  • Benefits through ‘Dine & Fly’ App
  • Dining offers at 220 outlets & restaurants in UAE with dining discount scheme of RAKfeast
  • 30% dining discount on Time Out Dubai & Jumeirah offers by Visa
  • Access to various golf courses across GCC
  • Shopping benefits at Chic Outlet Villages, offers on Visa Explore App
  • RAKMoney Transfer service, Purchase protection, Free insurance on travel accident, Extended Warranty
  • 0% interest installment plans, balance transfer, and up to 55-days interest-free period
  • Earn RAKrewards on fuel, movie tickets and other international and domestic spends
RAKBANK RAKBANK Red Credit Card No Annual Fee NA
Features & Benefits
  • 3.45% monthly finance charge on retail purchases & cash advance
  • Dining offers at 220 outlets & restaurants in UAE with dining discount scheme of RAKfeast
  • RAKMoney Transfer service, Purchase protection, Free insurance on travel accident, contactless technology
  • 0% interest installment plans and balance transfer
  • On monthly spend of 1,000 AED or more both domestically and internationally, get a maximum discount of 1.5%
RAKBANK RAKBANK Kalyan Jewellers Credit Card No Annual Fee NA
Features & Benefits
  • 3.45% monthly finance charge on retail purchases & cash advance
  • Earn Goldback on shopping at Kalyan Jewellers
  • ‘Buy one Get one’ offers, discount on Careem Rides
  • Unlimited free access to 10+ VIP airport lounges in Abu Dhabi, Cairo, Jordan, Dubai and Kuwait
  • RAKMoney Transfer service, Purchase protection, Free insurance on travel accident
  • Exclusive discounts on dining with RAKfeast program
  • Access to various benefits through MasterCard for You App
  • 0% interest installment plans, balance transfer, and up to 55-days interest-free period
  • Amazing offers on jewellery, electronics, holidays, furnishing, dining and more
RAKBANK RAKBANK Visa Credit Card No Annual Fee NA
Features & Benefits
  • 3.45% monthly finance charge on retail purchases & cash advance
  • RAKMoney Transfer service, Purchase protection, Free insurance on travel accident
  • Exclusive discounts on dining with RAKfeast program
  • 0% interest installment plans, balance transfer, and up to 55-days interest-free period
  • Maximum 1% cashback on domestic and international retail transactions
RAKBANK RAKBANK nmc Credit Card No Annual Fee NA
Features & Benefits
  • 3.45% monthly finance charge on retail purchases & cash advance
  • Discount at nmc pharmacies, beauty salons, jewelers, hospitals, opticians and restaurants
  • RAKMoney Transfer service, Purchase protection, Free insurance on travel accident
  • Exclusive discounts on dining with RAKfeast program
  • 0% interest installment plans, balance transfer, and up to 55-days interest-free period
  • Maximum 1% cashback on domestic and international retail transactions
RAKBANK RAKBANK Geant La Carte Credit Card No Annual Fee NA
Features & Benefits
  • 3.45% monthly finance charge on retail purchases & cash advance
  • RAKMoney Transfer service, Purchase protection, Free insurance on travel accident
  • Exclusive discounts on dining with RAKfeast program
  • 0% interest installment plans, balance transfer, and up to 55-days interest-free period
RAKBANK Provider RAKBANK MasterCard Credit Card No Annual Fee NA
Features & Benefits
  • 3.45% monthly finance charge on retail purchases & cash advance
  • RAKMoney Transfer service, Purchase protection, Free insurance on travel accident
  • Exclusive discounts on dining with RAKfeast program
  • 0% interest installment plans, balance transfer, and up to 55-days interest-free period
  • Maximum 1% cashback on domestic and international retail transactions
RAKBANK RAKBANK Titanium Business Credit Card No Annual Fee NA
Features & Benefits
  • 3.45% monthly finance charge on retail purchases & cash advance
  • RAKMoney Transfer service, Purchase protection, Free insurance on travel accident, credit shield cover, CCC (Credit Card Cheque) facility
  • Cash advance of maximum 90% of the credit limit
  • Exclusive lifestyle privileges, travel privileges and RAKfeast privileges on dining
  • Global acceptance at more than 36 million establishments having MasterCard logo
  • Unlimited free access to airport lounges in Abu Dhabi, Cairo, Jordan, Dubai and Kuwait
  • Exclusive discounts and covers on business and office insurance plans at premium rates offered by Third-party Insurance providers
  • 0% interest installment plans, balance transfer, and up to 55-days interest-free period
  • Maximum 1% cashback on domestic and international retail transactions
Najm Najm Platinum Plus Cashback Credit Card AED 420 NA
Features & Benefits
  • This Najm Credit Card charges an annual fee of 420 AED
  • Variable retail rate of interest of 3.25-3.79% per month
  • 20% dining discount at various merchants
  • Extended warranty, Purchase protection, global merchant offers
  • Secure and easy payments using Mobile wallets
  • Discounts and offers on travel, including hotel stays, car rentals, room upgradation and more
  • Discounts on movie tickets, golf, entertainment, shopping and leisure
  • 0% interest installment plans, balance transfer, cash advance, loan through mobile phone
  • Online access, Premo- online market portal
  • Direct Debit facility, Global emergency service, Lifestyle Protection, MyGuard, Wallet Protection, Takaful Protection Cover, SMS Service
  • Maximum monthly cashback of 500 AED
  • ‘Buy one get one’ on popcorn and ticket at VOX Cinemas
  • Cashback on Carrefour for initial 60 days
Najm Najm Platinum Cashback Credit Card No Annual Fee NA
Features & Benefits
  • Variable retail rate of interest of 3.25-3.79% per month
  • 20% dining discount at various merchants
  • Extended warranty, Purchase protection, global merchant offers
  • Secure and easy payments using Mobile wallets
  • Discounts and offers on travel, including hotel stays, car rentals, room upgradation and more
  • Discounts on movie tickets, golf, entertainment, shopping and leisure
  • 0% interest installment plans, balance transfer, cash advance, loan through mobile phone
  • Online access, Premo- online market portal
  • Direct Debit facility, Global emergency service, Lifestyle Protection, MyGuard, Wallet Protection, Takaful Protection Cover, SMS Service
  • Maximum monthly cashback of 200 AED
  • ‘Buy one get one’ on popcorn at VOX Cinemas
  • Exclusive offers on Carrefour
Najm Najm Voyager Signature Credit Card AED 523.95 Income Eligibility: AED 12,000
Features & Benefits
  • This Najm Credit Card charges an annual fee of 523.95 AED
  • Variable retail rate of interest of 3.25-3.79% per month
  • Redeem around 175,000 hotels and 550 flights anytime, anywhere
  • Free access to over 950 airport lounges across the globe
  • Maximum discount of 50% on entertainment, dining and travel
  • ‘Buy one get one’ on popcorn and ticket at VOX Cinemas
  • Earn Najm Reward Voyager for each AED spent internationally and locally
  • Secure and easy payments using Mobile wallets
  • Airport dining offers through ‘Dine and Fly’, Global emergency service, Travel insurance (Multi-trip)
  • 0% interest installment plans, balance transfer, cash advance, loan through mobile phone, 24/7 free concierge services
  • Online access, Premo- online market portal
  • Direct Debit facility, Global emergency service, Lifestyle Protection, MyGuard, Wallet Protection, Takaful Protection Cover, SMS Service
Najm Najm Voyager Platinum Credit Card AED 261.45 Income Eligibility: AED 8,000
Features & Benefits
  • This Najm Credit Card charges an annual fee of 261.45 AED
  • Variable retail rate of interest of 3.25-3.79% per month
  • Redeem around 175,000 hotels and 550 flights anytime, anywhere
  • Maximum discount of 50% on entertainment, dining and travel
  • ‘Buy one get one’ on popcorn and ticket at VOX Cinemas
  • Earn Najm Reward Voyager for each AED spent internationally and locally
  • Secure and easy payments using Mobile wallets
  • Airport dining offers through ‘Dine and Fly’, Global emergency service
  • 0% interest installment plans, balance transfer, cash advance, loan through mobile phone, 24/7 free concierge services
  • Online access, Premo- online market portal
  • Direct Debit facility, Global emergency service, Lifestyle Protection, MyGuard, Wallet Protection, Takaful Protection Cover, SMS Service
Najm Najm One Cashback Credit Card AED 313.95 NA
Features & Benefits
  • This Najm Credit Card charges an annual fee of 313.95 AED
  • Variable retail rate of interest of 3.25-3.79% per month
  • 10% cashback on utilities, school fees, groceries, fashion, fuel, online shopping, dining, international spends, travel
  • Earn a maximum cashback of 500 AED monthly
  • ‘Buy one get one’ on popcorn and ticket at VOX Cinemas
  • 30% discount on shopping, dining, entertainment and travel from 450+ partners
  • Secure and easy payments using Mobile wallets
  • 0% interest installment plans, balance transfer, cash advance, loan through mobile phone, 24/7 free concierge services
  • Online access, Premo- online market portal
  • Direct Debit facility, Global emergency service, Lifestyle Protection, MyGuard, Wallet Protection, Takaful Protection Cover, SMS Service
Standard Chartered Standard Chartered Platinum X Credit Card AED 525
  • Income Eligibility: AED 5,000
  • Age Eligibility: 21-60 years
Features & Benefits
  • This Standard Chartered Credit Card charges an annual fee of 525 AED (free for 1st year)
  • 33% Finance Charge on retail per month
  • Cashback of 10% on online transactions
  • Cashback of 10% on international currency transactions
  • Cashback of 10% on transactions done via mobile wallet
  • Unlimited free access to 20 international and local airport lounges
  • Costa Coffee Buy one Get one free
  • Launch offer of 3,500 AED maximum
  • 30% discount on Cleartrip, 10% on hotels.com, 50 USD off on Expedia.com, fixed payment scheme, mobile payment

Documents Required:

  • Passport
  • Emirates ID and Visa copy
  • Salary certificate/ transfer letter or bank statement
Standard Chartered Standard Chartered Visa Infinite Credit Card AED 1575
  • Income Eligibility: AED 30,000
  • Age Eligibility: 21-60 years
Features & Benefits
  • This Standard Chartered Credit Card charges an annual fee of 1575 AED (free for 1st year)
  • 25% Finance Charge on retail per month
  • Rewards on flight tickets
  • Unlimited access to Fitness First
  • Access to world-class golf courses
  • Priority Airport Lounge access
  • VOX Cinemas Buy one get one free
  • 12% discount on hotels.com
  • Costa Coffee Buy one Get one free
  • Benefits from ‘Visa Offer Mena’ App
  • 50% discount on four Careem rides
  • 24/7 free concierge facility, Credit Shield protection, Free travel insurance

Documents Required:

  • Passport
  • Emirates ID and Visa copy
  • Salary certificate/ transfer letter or bank statement
Standard Chartered Standard Chartered MasterCard Platinum Credit Card AED 525
  • Income Eligibility: AED 5,000
  • Age Eligibility: 21-60 years
Features & Benefits
  • This Standard Chartered Credit Card charges an annual fee of 525 AED (free for 1st year)
  • 33% Finance Charge on retail per month
  • Cashback of 10% at supermarkets, utility bills, school fees
  • Free access to airport lounges
  • 20% discount on Careem Rides
  • Costa Coffee Buy one Get one free
  • 30% discount on Cleartrip, 10% on hotels.com, 3D Secure, fixed payment scheme, mobile payment

Documents Required:

  • Passport
  • Emirates ID and Visa copy
  • Salary certificate/ transfer letter or bank statement
Standard Chartered Standard Chartered Manhattan Platinum Credit Card AED 525
  • Income Eligibility: AED 5,000
  • Age Eligibility: 21-60 years
Features & Benefits
  • This Standard Chartered Credit Card charges an annual fee of 525 AED (free for 1st year)
  • 33% Finance Charge on retail per month
  • Earn one reward point for each 1$ spent
  • Costa Coffee Buy one Get one free
  • Movie ticker Buy one get one free
  • 12% discount on Agoda
  • Benefits from ‘Visa Offer Mena’ App
  • 50% discount on VOX cinemas on Sunday
  • Dine & Fly App benefits, 10% discount on hotels.com, 30% discount on bills with ‘Visa Timeout’

Documents Required:

  • Passport
  • Emirates ID and Visa copy
  • Salary certificate/ transfer letter or bank statement
Standard Chartered Standard Chartered Shukran World Credit Card AED 262.50 NA
Features & Benefits
  • This Standard Chartered Credit Card charges an annual fee of 262.50 AED (free for 1st year)
  • 99% Finance Charge on retail per month
  • Earn 5 times more Shukrans on transactions done at participating Shukran partners
  • Free airport lounge access
  • 10% discount on hotels.com
  • VOX Cinemas Buy one get one free
  • 10% discount on Cleartrip
  • 20% discount on Careem rides
Standard Chartered Standard Chartered Shukran Titanium Credit Card AED 157.50 NA
Features & Benefits
  • This Standard Chartered Credit Card charges an annual fee of 157.50 AED (free for 1st year)
  • 25% Finance Charge on retail per month
  • 5% (maximum) value back on shopping
  • Earn more Shukrans on transactions done at participating Shukran partners
  • Free airport lounge access
  • 20% discount on Careem rides
  • Benefits on lifestyle, entertainment, travel and dining
  • Fixed payment schemes, 0% installment schemes
Standard Chartered Standard Chartered Saadiq Platinum (Murabaha) Credit Card AED 315
  • Income Eligibility: AED 5,000
  • Age Eligibility: 21-60 years
Features & Benefits
  • This Standard Chartered Credit Card charges an annual fee of 315 AED (free for 1st year)
  • 25% Finance Charge on retail per month
  • Approved by Shariah Committee
  • Costa Coffee Buy one Get one free
  • 20% discount on Careem rides
  • Discount of 30% on Cleartrip and 10% on hotels.com
  • 0% installment schemes, cash advance, mobile payments

Documents Required:

  • Passport
  • Emirates ID and Visa copy
  • Salary certificate/ transfer letter or bank statement
Standard Chartered Standard Chartered Saadiq Platinum (Ujrah) Credit Card AED 315 NA
Features & Benefits
  • This Standard Chartered Credit Card charges an annual fee of 315 AED
  • View, manage and redeem reward points through Mobile and Online banking portal
  • Benefits on retail, dining, travel and electronics
  • Approved by Shariah Committee
  • Costa Coffee Buy one Get one free
  • Free access to airport lounges
  • Smart payment system through PIN and Chip
  • Earn Rewards through Priceless Cities
ADCB ADCB Betaqdi Credit Card No Annual Fee NA
Features & Benefits
  • 50% Finance Charge on retail and 3.50% on cash advance per month
  • Welcome Gift of 300,000 TouchPoints
  • Personalized credit card
  • Earn 3 TouchPoints on each 1 AED spent
  • For the UAE Nationals exclusively
  • VOX Cinemes ‘Buy one get one free’, 20% off on selected meals
  • Free access to Fitness Center and Valet parking
  • 25% off on beverages & food and spa treatments, 20% off on selected retail spa products
  • Privileges at Ferrari World, Warner Bros., Yas Waterworld in Abu Dhabi
  • 20% off on 3 Careem rides monthly
  • Access to airport lounges globally, Circle Status at Hertz President, Complimentary hotel stays, Avis Car Rental, Travel Insurance, Concierge Services
ADCB ADCB Traveller Credit Card  No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • 20% discount on hotel and flight bookings
  • 0% international currency fees
  • Complimentary airport lounge access, hotel stay, travel insurance and golf stay
  • Earn 2 TouchPoints on each 1 AED spent
  • Privileges at Ferrari World, Warner Bros., Yas Waterworld in Abu Dhabi
  • 20% off on Careem rides
  • Internet banking & mobile app access
  • Convenient options for payment
  • Credit shield, balance transfer, credit card loan, easy installment plans
  • Various Buy one get one offers on MasterCard App
ADCB ADCB TouchPoints MyChoice Infinite Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • Bonus Rewards on MyChoice
  • VOX Cinemas Buy one get one offer
  • Complimentary airport lounge and golf access
  • Privileges at Ferrari World, Warner Bros., Yas Waterworld in Abu Dhabi
  • Access to Concierge Services globally
  • Internet banking & mobile app access
  • Convenient options for payment
  • Credit shield, balance transfer, credit card loan, easy installment plans
ADCB ADCB TouchPoints MyChoice Platinum Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • Bonus Rewards on MyChoice
  • Welcome Gift of 60,000 TouchPoints
  • VOX Cinemas Buy one get one offer
  • Complimentary airport lounge and golf access
  • Privileges at Ferrari World, Warner Bros., Yas Waterworld in Abu Dhabi
  • Internet banking & mobile app access
  • Convenient options for payment
  • Credit shield, balance transfer, credit card loan, easy installment plans
  • Various Buy one get one offers on MasterCard App
ADCB ADCB LuLu Platinum Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • LuLu Reward of 5 LuLuPoints on each 1 AED purchase
  • Other reward of 1.25 LuLuPoints on each 1 AED purchase
  • Maximum spend of 5,000 AED per month (LuLu and elsewhere)
  • Complimentary Airport lounge access
  • Privileges at Ferrari World, Warner Bros., Yas Waterworld in Abu Dhabi
  • Internet banking & mobile app access
  • Convenient options for payment
  • Credit shield, balance transfer, credit card loan, easy installment plans
  • Various Buy one get one offers on MasterCard App
ADCB ADCB LuLu Titanium Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • LuLu Reward of 3.5 LuLuPoints on each 1 AED purchase
  • Other reward of 1 LuLuPoints on each 1 AED purchase
  • Maximum spend of 3,500 AED per month (LuLu and elsewhere)
  • Complimentary Airport lounge access
  • Privileges at Ferrari World, Warner Bros., Yas Waterworld in Abu Dhabi
  • Internet banking & mobile app access
  • Convenient options for payment
  • Credit shield, balance transfer, credit card loan, easy installment plans
  • Various Buy one get one offers on MasterCard App
ADCB ADCB LuLu Standard Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • LuLu Reward of 1.5 LuLuPoints on each 1 AED purchase
  • Other reward of 0.5 LuLuPoints on each 1 AED purchase
  • Maximum spend of 1,000 AED per month (LuLu and elsewhere)
  • Complimentary Airport lounge access
  • Privileges at Ferrari World, Warner Bros., Yas Waterworld in Abu Dhabi
  • Internet banking & mobile app access
  • Convenient options for payment
  • Credit shield, balance transfer, credit card loan, easy installment plans
  • Various Buy one get one offers on MasterCard App
ADCB ADCB Islamic Classic Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • Payment of Utility bills, Pay order, Fast Pay, Credit Shield (Takaful) Cover
  • For each AED 1 spent, earn TouchPoint worth 0.5
  • Convenient Options of Payment
ADCB ADCB Islamic Gold Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • Payment of Utility bills, Pay order, Fast Pay, Credit Shield (Takaful) Cover
  • For each AED 1 spent, earn TouchPoint worth 0.75
  • Convenient Options of Payment
ADCB ADCB Islamic Premium Gold Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • Payment of Utility bills, Pay order, Fast Pay, Credit Shield (Takaful) Cover
  • For each AED 1 spent, earn TouchPoint worth 0.75
  • Convenient Options of Payment
ADCB ADCB Islamic Platinum Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • Payment of Utility bills, Pay order, Fast Pay, Credit Shield (Takaful) Cover
  • Complimentary Airport lounge access
  • Purchase protection, Extended Warranty, Global Emergency Assistance
  • Exclusive dining discount at selected outlets in UAE
  • For each AED 1 spent, earn one TouchPoint
  • Convenient Options of Payment
ADCB ADCB Etihad Guest Above Infinite Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • Quick enrollment into elite Etihad Guest Gold Tier
  • Welcome Bonus of 50,000 Etihad Guest miles
  • 25,000 Etihad Guest miles each subsequent year from card membership
  • For each 1 USD local purchases made, earn 1.5 Etihad Guest miles
  • For purchases made at lodging or Duty Free, earn 50 percent bonus miles
  • For purchases made abroad or booking air tickets with Etihad, earn 100 percent bonus miles
  • Free vouchers for 1-class upgrades and chauffeur service at airport
ADCB ADCB Etihad Guest Above Platinum Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • Quick enrollment into elite Etihad Guest Gold Tier
  • Welcome Bonus of 25,000 Etihad Guest miles
  • 10,000 Etihad Guest miles each subsequent year from card membership
  • For each 1 USD local purchases made, earn 1 Etihad Guest mile
  • For purchases made at lodging or Duty Free, earn 50 percent bonus miles
  • For purchases made abroad or booking air tickets with Etihad, earn 100 percent bonus miles
  • Free vouchers for 1-class upgrades and chauffeur service at airport
ADCB ADCB Etihad Guest Above Gold and Classic Credit Card No Annual Fee NA
Features & Benefits
  • Zero annual fee
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • For each 1 USD local purchases made, earn 0.75 Etihad Guest mile (maximum)
ADCB ADCB Business Platinum Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • On all business purchases, earn one percent cashback
  • Complimentary Airport lounge access
  • Business Recognition on the card
  • Avail Business Saver Vouchers
  • 25% discount at finest restaurants & eateries in UAE
  • Corporate Liability Waiver Insurance, Fraud Insurance, Credit Shield Cover
  • Convenient options for payment
  • Balance Transfer, loan on credit card, easy installment plans
  • Various Buy one get one offers on MasterCard App
  • Business Savings through this ADCB Credit Card
ADCB ADCB Corporate Exclusive Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • Complimentary Airport lounge and golf access
  • Travel Insurance along with Enhanced protection during the trip
  • Complete Fraud Protection- upto 2000 USD on each occurrence and up to 4000 USD aggregate
  • Gold membership at Hertz and benefits on entertainment, dining and accommodation
ADCB ADCB Corporate Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • Complimentary Airport lounge access
  • Maximum 50-days no-interest period
  • No administrative process on cash advance and personal cards
  • Cash Advance up to 60 percent of available credit limit accessible via ATM
  • Increased control on credit cards
  • Simple reconciliation and billing
  • Corporate Liability Waiver Insurance, Fraud Insurance, Advanced PIN & Chip security, ‘tap & go’ payment facility
ADCB ADCB Corporate Purchasing Credit Card No Annual Fee NA
Features & Benefits
  • 25% Finance Charge on retail and 3.50% on cash advance per month
  • Complimentary Airport lounge
  • Maximum 50-days no-interest period
  • No paperwork & receipt reconciliation
  • Maintaining the transaction data together and identifying supplier’s spends
  • No costly cash management and cheque transactions
  • Increased control on credit cards
  • Processes are simplified
  • Advanced PIN & Chip security, credit limits maintained strictly
  • For tracking the spending, a data-rich tool for reporting
Dubai Islamic Emirates Skywards DIB Infinite Credit Card AED 2625
  • Income Eligibility: AED 35,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: AED 2,625
  • This DIB credit card is an Islamic card.
  • Skywards Miles Silver membership - Earn Air Miles + Bonus Air Miles
  • Airport Lounge Access
  • Complimentary travel insurance.
  • 0% DIB card Easy Payment Plans.
  • 25% Zomato dining discounts.
  • 4 complimentary valet parking services per month.
  • 0% Balance transfers for first 6 months.
  • 1 year of purchase protection.
  • Extended warranty.
  • Cash withdrawal - 80% of available DIB credit card limit.

Document Required:

  • ID Proofs
  • Address Proofs
  • Employment proofs.
Dubai Islamic Emirates Skywards DIB Signature Credit Card AED 1575
  • Income Eligibility: AED 15,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: AED 1,575
  • This DIB credit card is an Islamic card.
  • Skywards Miles membership: Earn air miles by using the DIB credit card.
  • Airport Lounge Access
  • 0% DIB card Easy Payment Plans.
  • Complimentary travel insurance.
  • 25% Zomato dining discounts.
  • complimentary valet parking services per month.
  • 0% Balance transfers for first 6 months.
  • 1 year of purchase protection.
  • Extended warranty.
  • Cash withdrawal - 80% of available DIB credit card limit.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic Emirates Skywards DIB Platinum Credit Card AED 525
  • Income Eligibility: AED 5,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: AED 525
  • This DIB credit card is an Islamic card.
  • Skywards Miles membership: Earn air miles by using the DIB credit card.
  • 0% DIB card Easy Payment Plans.
  • 25% Zomato dining discounts.
  • 0% Balance transfers for first 6 months.
  • 1 year of purchase protection.
  • Extended warranty.
  • Cash withdrawal - 80% of available DIB credit card limit.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Consumer Platinum Card No Annual Fee
  • Income Eligibility: AED 15,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • This DIB credit card is an Islamic card.
  • 4% cash back on all purchases in the UAE (capped at AED 1,000 monthly).
  • 0% Balance transfers for first 6 months.
  • Discounts on UAE golfing ranges.
  • Visa Luxury Hotel discounts & VIP privilege.
  • Dining discounts across the UAE.
  • Cash withdrawal - 80% of available DIB credit card limit.
  • 60 days of purchase protection.
  • Extended warranty.
  • Up to 3 complimentary roadside assistance services.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Consumer Reward Card No Annual Fee
  • Income Eligibility: AED 5,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • This DIB credit card is an Islamic card.
  • 3% cash back on all purchases in the UAE (capped at AED 1,000 monthly).
  • 0% Balance transfers for first 6 months.
  • Cash withdrawal - 80% of available DIB credit card limit.
  • Up to 3 complimentary roadside assistance services.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Prime Infinite Card No Annual Fee
  • Income Eligibility: AED 50,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • complimentary valet parking services per month.
  • Dining discounts across the UAE.
  • Visa Luxury Hotel discounts & VIP privilege.
  • Multi-trip travel insurance.
  • Unlimited airport lounge access.
  • 90 days of purchase protection.
  • Extended warranty.
  • Up to 3 complimentary roadside assistance services.
  • Balance transfer for up to 80% of the DIB credit card limit.
  • Cash withdrawal - 80% of available DIB credit card limit.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Prime Signature Card No Annual Fee
  • Income Eligibility: AED 25,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • complimentary valet parking services per month.
  • Dining discounts across the UAE.
  • Visa Luxury Hotel discounts & VIP privilege.
  • Multi-trip travel insurance.
  • Unlimited airport lounge access.
  • 90 days of purchase protection.
  • Extended warranty.
  • Up to 3 complimentary roadside assistance services.
  • Balance transfer for up to 80% of the DIB credit card limit.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Prime Platinum Card No Annual Fee
  • Income Eligibility: AED 15,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • Visa Luxury Hotel discounts & VIP privilege.
  • 60 days of purchase protection.
  • Travel insurance including Personal Accident cover.
  • Up to 3 complimentary roadside assistance services.
  • Balance transfer for up to 80% of the DIB credit card limit.
  • Cash withdrawal - 80% of available DIB credit card limit.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Prime Gold Card No Annual Fee
  • Income Eligibility: AED 5,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • Travel insurance including Personal Accident cover.
  • Up to 3 complimentary roadside assistance services.
  • Balance transfer for up to 80% of the DIB credit card limit.
  • Cash withdrawal - 80% of available DIB credit card limit.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Prime Classic Card No Annual Fee
  • Income Eligibility: N/A
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • Travel insurance including Personal Accident cover.
  • Up to 3 complimentary roadside assistance services.
  • Balance transfer for up to 80% of the DIB credit card limit.
  • Cash withdrawal - 80% of available DIB credit card limit.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Al Islami Infinite Card No Annual Fee
  • Income Eligibility: Either a total relationship of AED 3,500,000 with DIB, or monthly salary transfers of AED 150,000
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • Monthly Fee: AED 1,000
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • Multi-trip travel insurance.
  • Unlimited airport lounge access.
  • 60 days of purchase protection.
  • Extended warranty.
  • Visa Luxury Hotel discounts & VIP privilege.
  • Free valet parking at certain locations in Dubai & Abu Dhabi.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Al Islami Platinum Plus Credit Card No Annual Fee
  • Income Eligibility: AED 25,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • Monthly Fee: AED 600
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • 60 days of purchase protection.
  • Up to 3 complimentary roadside assistance services.
  • Travel insurance including Personal Accident cover.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Al Islami Platinum Credit Card No Annual Fee
  • Income Eligibility: AED 15,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • Monthly Fee: AED 600
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • 60 days of purchase protection.
  • Travel insurance including Personal Accident cover.
  • Up to 3 complimentary roadside assistance services.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Al Islami Gold Premium Credit Card No Annual Fee
  • Income Eligibility: AED 5,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • Monthly Fee: AED 475
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • Up to 3 complimentary roadside assistance services.
  • Travel insurance including Personal Accident cover.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Al Islami Gold Credit Card No Annual Fee
  • Income Eligibility: AED 5,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • Monthly Fee: AED 375
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • Up to 3 complimentary roadside assistance services.
  • Travel insurance including Personal Accident cover.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Al Islami Classic Credit Card No Annual Fee
  • Income Eligibility: AED 5,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • Monthly Fee: AED 195
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • Up to 3 complimentary roadside assistance services.
  • Travel insurance including Personal Accident cover.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Johara Gold Premium Credit Card No Annual Fee
  • Income Eligibility: AED 5,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • Monthly Fee: AED 475
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • Up to 3 complimentary roadside assistance services.
  • Travel insurance including Personal Accident cover.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Johara Platinum Credit Card No Annual Fee
  • Income Eligibility: AED 10,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • Monthly Fee: AED 600
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • Up to 3 complimentary roadside assistance services.
  • Travel insurance including Personal Accident cover.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Johara Gold Credit Card No Annual Fee
  • Income Eligibility: AED 5,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • Monthly Fee: AED 375
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • Up to 3 complimentary roadside assistance services.
  • Travel insurance including Personal Accident cover

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic DIB Johara Classic Credit Card No Annual Fee
  • Income Eligibility: AED 5,000 (Monthly)
  • UAE residency required.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: No fee
  • Monthly Fee: AED 195
  • This DIB credit card is an Islamic card.
  • Wala'a Rewards program membership: Redeemable for airline tickets, hotel bookings, retail purchases, etc.
  • Up to 3 complimentary roadside assistance services.
  • Travel insurance including Personal Accident cover.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic Dubai Islamic Al Islami Platinum Charge Card AED 1050
  • Income Eligibility: N/A
  • UAE residency required.
Features & Benefits
  • Annual Membership Fee: AED 1,050
  • This DIB credit card is an Islamic card.
  • Up to 3 complimentary roadside assistance services.
  • Travel insurance including Personal Accident cover.
  • 60 days of purchase protection.
  • Cash withdrawal - 100% of available DIB credit card limit.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic Dubai Islamic Al Islami Gold Charge Card AED 420
  • Income Eligibility: N/A
  • UAE residency required.
Features & Benefits
  • Annual Membership Fee: AED 420
  • This DIB credit card is an Islamic card.
  • Up to 3 complimentary roadside assistance services.
  • Travel insurance including Personal Accident cover.
  • 60 days of purchase protection.
  • Cash withdrawal - 100% of available DIB credit card limit.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Dubai Islamic Dubai Islamic Al Islami Classic Charge Card AED 315
  • Income Eligibility: AED 5,000 (Monthly)
  • UAE residency required.
Features & Benefits
  • Annual Membership Fee: AED 315
  • This DIB credit card is an Islamic card.
  • Up to 3 complimentary roadside assistance services.
  • Travel insurance including Personal Accident cover.
  • 60 days of purchase protection.
  • Cash withdrawal - 100% of available DIB credit card limit.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Samba Samba MasterCard Platinum Travel Card AED 399
  • Income Requirement: AED 20,000 (monthly) for salaried customers.
  • Self-employed customers need to show a monthly turnover of AED 50,000.
  • Residency: Applicants have to show proof of UAE residency.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: AED 399 in the first year and AED 299 in all subsequent years.
  • Cash back on movie tickets, duty-free expenses, flight tickets, and local & international purchases.
  • Complimentary valet parking at Dubai International Airport (twice a month).
  • Unlimited global airport lounge access for primary and supplementary Samba credit card owners.
  • 0% Interest Samba credit card instalment plans at select locations.
  • Up to 80% of the Samba credit card limit can be availed of as a demand draft to make purchases.
  • 4 free of charge supplementary Samba credit cards.
  • Cash on request within the available Samba credit card limit.
  • Balance transfers from 2 other banks, within the available Samba card limit.

Documents Required:

  • ID proofs
  • Address proofs
  • Income proof and
  • Trade License (for self-employed applicants).
Samba Samba Platinum Shopping Credit Card AED 399
  • Income Requirement: AED 20,000 (monthly) for salaried customers.
  • Self-employed customers need to show a monthly turnover of AED 50,000.
  • Residency: Applicants have to show proof of UAE residency.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: AED 399 in the first year and AED 299 in all subsequent years.
  • Cashback on retail purchases, jewellery, electronics, home appliances, etc.
  • Unlimited global airport lounge access for primary and supplementary Samba credit card owners.
  • 0% Interest Samba credit card instalment plans at select locations.
  • Up to 80% of the Samba credit card limit can be availed of as a demand draft to make purchases.
  • 4 free of charge supplementary Samba credit cards.
  • Cash on request within the available Samba credit card limit.
  • Balance transfers from 2 other banks, within the available Samba card limit.

Documents Required:

  • ID proofs
  • Address proofs
  • Income proof and
  • Trade License (for self-employed applicants).
Samba Samba Visa Platinum Credit Card AED 399
  • Income Requirement: AED 20,000 (monthly) for salaried customers.
  • Self-employed customers need to show a monthly turnover of AED 50,000.
  • Residency: Applicants have to show proof of UAE residency.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: AED 399 in the first year and AED 299 in all subsequent years.
  • Cash back on movie tickets, duty-free expenses, flight tickets, and local & international purchases.
  • Complimentary valet parking at Dubai International Airport (twice a month).
  • As much as 75% discount on Visa partnered luxury hotels globally and VIP guest status, which includes room upgrades, free breakfast, etc.
  • 0% Interest Samba credit card instalment plans at select locations.
  • Up to 80% of the Samba credit card limit can be availed of as a demand draft to make purchases.
  • 4 free of charge supplementary Samba credit cards.
  • Cash on request within the available Samba credit card limit.
  • Balance transfers from 2 other banks, within the available Samba card limit.

Documents Required:

  • ID proofs
  • Address proofs
  • Income proof and
  • Trade License (for self-employed applicants).
Samba Samba Supercharged Titanium Credit Card No Annual Fee
  • Income Requirement: AED 7,000 (monthly).
  • Residency: Applicants have to show proof of UAE residency.
  • Security deposit cheque required.
Features & Benefits
  • No annual membership fee.
  • Joining Fee: AED 100
  • Cash back of up to AED 12,000 every year across movies, medical, dining, grocery, fuel, utility bill, retail, domestic and international expenses.
  • Up to 20% discount on 3 Careem rides every month.
  • Unlimited complimentary lounge access for primary and supplementary Samba credit card members across GCC airports.
  • 0% Interest Samba credit card instalment plans at select locations.
  • Up to 80% of the Samba credit card limit can be availed of as a demand draft to make purchases.
  • 4 free of charge supplementary Samba credit cards.
  • Cash on request within the available Samba credit card limit.
  • Balance transfers from 2 other banks, within the available Samba card limit.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.
Samba Samba Platinum Shopping Alkhair Credit Card AED 399
  • Income Requirement: AED 25,000 (monthly) for salaried customers.
  • Self-employed customers need to show a monthly turnover of AED 50,000.
  • Residency: Applicants have to show proof of UAE residency.
  • Security deposit cheque required.
Features & Benefits
  • Annual Membership Fee: AED 399 in the first year and AED 299 in all subsequent years.
  • This Samba credit card is compliant with Islamic Banking.
  • Cashback on retail purchases, jewellery, electronics, home appliances, etc.
  • Unlimited global airport lounge access for primary and supplementary Samba credit card owners.
  • Samba credit card instalment plans.
  • Up to 80% of the Samba credit card limit can be availed of as a demand draft to make purchases.
  • 4 free of charge supplementary Samba credit cards.
  • Cash on request within the available Samba credit card limit.
  • Balance transfers from 2 other banks, within the available Samba card limit.

Documents Required:

  • ID proofs
  • Address proofs
  • Income proofs and
  • Trade License (for self-employed applicants).
Samba Samba Alkhair Supercharged Titanium Credit Card No Annual Fee
  • Income Requirement: AED 7,000 (monthly).
  • Residency: Applicants have to show proof of UAE residency.
  • Security deposit cheque required.
Features & Benefits
  • No annual membership fee.
  • Joining Fee: AED 100
  • Cash back of up to AED 12,000 every year across movies, medical, dining, grocery, fuel, utility bill, retail, domestic and international expenses.
  • Unlimited complimentary lounge access for primary and supplementary Samba credit card members across GCC airports.
  • Samba credit card instalment plans.
  • Up to 80% of the Samba credit card limit can be availed of as a demand draft to make purchases.
  • 4 free of charge supplementary Samba credit cards.
  • Cash on request within the available Samba credit card limit.
  • Balance transfers from 2 other banks, within the available Samba card limit.

Document Required:

  • ID proofs
  • Address proofs
  • Employment proofs.

Do all credit cards feature an annual fee and joining fee?

Ans:

No, not all credit cards have an annual and a joining fee.  Recently, many financial institutions in the UAE have started offering Free for Life Credit Cards. However, those Credit Cards that are free for a lifetime have limited benefits and rewards. While the credit cards that have annual fees offer higher benefits and rewards too.  All the credit cards also have monthly interest rates attached to them.

Should I apply for a credit card online or visit a branch?

Ans:

The most convenient method of applying for a credit card these days is through the online banking option of the bank. You can apply for the credit card of your choice sitting at home, or being anywhere else in the world, however, in case you are not comfortable with applying online, then you can visit the brick and mortar branch of the bank, then fill and submit the application form for buying a credit card of your choice. Here are some simple steps to apply for credit card online.

What does the Minimum Payment Due mean?

Ans:

There is a minimum amount that you are required to pay either on or prior to the due date. Generally, this amount is calculated as a certain percentage of the total amount that is due according to your recent card statement. By making the payment of the minimum amount due on time, you will not have to bear late payment fees. But, keep in mind that making only this minimum payment on the amount due is a rookie mistake. Check out more about monthly minimum payments and other important credit card terms.

Do credit cards also offer travel benefits?

Ans:

Credit card specifically designed for travel benefits is called travel credit card. This type of credit card is suited for frequent fliers. With the travel credit card, a cardholder receives air mile points for every single AED spent. Not only that, the travel credit card offers lifestyle benefits too. Some of the other benefits of the travel credit card include shopping and dining discounts, discounts on hotels and flight tickets. The cardholder can also access the airport lounges. There are some additional benefits too.

What can I do in a situation where I am struggling to make the minimum payment due on my credit card?

Ans:

In such a situation, you should arrange a meeting with an executive from your bank, then discuss the options available to you with them. You can perhaps convert the balance outstanding into a loan so as to pay off this balance on your card more quickly and at lower interest rates. If you are able to arrange this, then cut your card up and never make use of it again.

What does a Credit Card Balance Transfer mean?

Ans:

When the balance from 1 credit card account is transferred to the other credit card account, it is known as the credit card balance transfer. When this balance transfer process gets completed, the cardholder will no longer owe any amount to the original credit card issuer, instead, the cardholder will owe this debt to the second credit card issuer. Learn more about balance transfer credit cards here.

What is the difference between rewards and cash back on credit cards?

Ans:

Rewards Credit Card offers reward points on the frequency of swipe of your credit card. While the Cashback Credit Card offers a percentage of your purchase as cashback.

The most basic cashback offered is 1% of the purchase. You can use the cashback to pay off your annual fees or get it deposited in your account. One of the best cashback cards in the UAE is NAJM cashback Platinum Credit Card.

With the Rewards Credit Card, you can avail discounts on shopping and dining, gift cards, etc. One of the best Rewards Credit Card in the UAE is the Citi Prestige Credit Card.

What does my credit rating mean?

Ans:

Essentially, your credit ratings are your financial footprints. Credit ratings record all the past dealings you have done on credit, loan or any other such product. All the late and missed payments appear as a negative effect on your credit rating. This includes the missed payments for your subscriptions, utility bills and your library fines as well.

You can easily find your credit score on any of the agencies for credit checking active in the UAE.

In case you hold a non-existent or limited history through credit or loan, then your credit rating will become worse in this case.

While applying for a credit card, or any kind of loan for that matter, there will be an assessment of your credit rating. You can take out a better product if you have a better credit rating, vice versa. Here you can find the best way to improve credit score.

If my credit score is poor, can I still get a credit card?

Ans:

You might have some trouble in getting the best credit card deals in the case that your credit rating is limited or poor. In a few cases, your application might be rejected altogether and you will not be able to buy a conventional credit card.

In such cases, you should take into consideration a credit card that has credit building features. These credit building cards come with high APR and their credit limit is low because of which you will be able to make your credit score better with time as you keep using them. This, in turn, will make your credit ratings better in the future when you wish to get better credit. Check out some common myths about credit score.                   

How will I be able to own a credit card without paying any interest?

Ans:

Most of the credit cards offer a no-interest period of around 50 to 55 days. If you are able to pay the complete balance outstanding during this period, then you won't be charged any interest.

Will I be able to use my credit card abroad?

Ans:

Generally, you can use your credit card for making purchases abroad, but with all the restrictions that are applied while using it domestically. You might have to pay a foreign transaction charge at a certain percentage of the value of every transaction, so the best option is to use cash wherever possible.

Keep in mind, in a few cases, these charges are applicable to purchases made using foreign currency, even though you are sitting at home. Example, in case you purchase something online and make the payment in dollars, you might have to bear foreign transaction charges, verify with your bank in case of any ambiguity.

Some credit cards available charge no foreign transaction fees and designed specially designed for those cardholders who travel frequently and often make use of their credit cards abroad.

What can I use my credit card for?

Ans:

More or less, credit cards can be used anywhere and anytime. They can be used for shopping online, at stores as well as on the call. However, keep in mind that all the credit cards are not accepted at all the retailers, as some banks might charge a high handling fee from the business, so many of these establishments will not accept payments made from the cards of these banks.

Do I need to pay interest on all purchases that I make using my credit card?

Ans:

If in case you pay your credit card balance in full every month, you will not be charged any interest at all. When you do not pay the balance in full, then you will have to bear interest charges. If you hold a card that has an introductory zero percent interest period, in that case, until the time you maintain the minimum payment monthly in that duration, you will not have to bear any interest.

How can I pay off the credit card I own?

Ans:

It is very simple and straight-forward to pay off the balance of a credit card and this can be done in many ways. It can be done over a phone call with the card provider, via a post through a cheque, through bank transfer, by setting up a debit directly to pay the minimum amount every month and the rest is to be done manually, or by visiting the branch and paying off your balance in person in the case where your card is issued by a bank or by a building society which has branches that you are able to visit.

The best option is paying off as much amount as you are capable of every month so as to avoid the payment of high interest on the balance remaining. Each credit card has a minimum amount which you should pay every month in order to avoid any hefty charges.

How can I know the credit limit other such information about my credit card?

Ans:

The documents related to any credit card include a summary box of the credit card. The summary box includes all the information that is relevant to your credit card along with the APR, the credit limit and the breakdown of all the reward schemes or fees associated with the card in detail. Although the summary box includes all the information you might need, however, in case there is any information you are unable to find, then you can contact your bank and they will be able to help you.

How can I find out the due amount on my credit card?

Ans:

The due amount for payment is mentioned in your statement of a credit card as ‘Total Payment Due’. By making the payment of this amount, either on or prior to the due date, you can avail the advantage of a no interest period on the credit card. The amount due in the credit card bill includes all the unpaid balance carried from the last statement, expenses that are billed for the current period, interest charges, annual fees (one-time in a year), a joining fee (only when taking a fresh card) and a lot of other taxes and charges.

What does the CVV number on my card mean?

Ans:

The Card Verification Value or CVV Number is a three-digit number printed on the backside of the credit card at the right corner of the signature panel. It is also called the CVV2 and is an important part of the process of verification, especially for online transactions. This number must not be shared with anyone.

Can I use my credit card for cash withdrawals from an ATM in Dubai?

Ans:

Yes. You can sue your credit card to withdraw cash through an ATM in Dubai, however, when you do so, you will have to bear hefty cash advance charges. Hence, you should make such withdrawals only when it is completely necessary.

Whenever possible, you must make use of your credit card just for making purchases and not for withdrawing cash.

How much time will it take for me to apply for and receive a Credit Card?

Ans:

It is just a matter of minutes when it comes to applying for a credit card online. When you are done with the process of online application and submitted it, you will be contacted by the executives from the bank and will be asked to submit a few supporting documents. As soon as your complete application form is received by the bank along with the required documents, it will take 2 weeks for your application to get processed. If the all the documents submitted by you are appropriate, the application has been approved, and all the verification is done by the bank, then your new credit card will be sent to you within seven working days. You will receive alerts on your application status timely through SMS on the mobile number mentioned in your form. You will also receive updates via emails which will be sent to your registered email ID.

What is the difference between a credit card and a debit card?

Ans:

Simply put, a credit card lets you spend credit amount that can be paid back later at the due date as pre-determined by the bank whereas, a debit card is attached to the bank account and lets you spend the existing amount in the account. In case of intended usage, the debit card must be used for both, in-store payments and for cash withdrawals, while, credit cards must be used for the former, however, the cardholder can make a certain amount of cash withdrawals using the credit cards (known as a cash advance) but at hefty charges.
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