Credit Card UAE
Credit card is one of the most sought-after financial product that makes it easy to manage transactions. Most banks and financial institutions in UAE offer reward-loaded cards so that you, as a cardholder can earn benefits from your purchases. To apply for a credit card UAE, you must be at least 21 ...read more
- Airport Lounge
- Shopping Benefits
- Fuel benefits
- Movie Discounts
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Best credit cards with 0 Annual fee*
- Cashback up to AED 2,000
- Rewards + Welcome Offers
- No Annual Fee
- Travel benefits
- Dining Discounts
- Entertainment Benefits
What is a Credit Card in UAE?
A credit card is a card that allows you to use credit or borrow funds within a pre-approved credit limit. Instead of paying for any transaction upfront, you can use your card to buy. Later, you can pay for the same — this can be done in one go or via instalments.
Interestingly, with the top uae credit cards, you can spend and earn rewards in the form of cashback, points, discounts, and more. All these features help you earn on each purchase, whether for shopping, cinema, flights, and much more.
Offers- Buy one get one FREE at VOX Cinemas
- Unlimited free delivery : On talabat pro orders with a minimum order value of AED 50
Features :- Free for Life
- AED 500 Welcome Bonus
- Talabat credit on spends
- Unlimited free delivery on talabat
- Personalized card design
- Airport Lounge Access
Offers- 5% cashback on groceries
- 1% cashback on all other retail purchases
Features :- Welcome Bonus
- Movie Discounts
- Dining Discounts
- Hotel Discounts
Offers- 5% cashback on groceries
- 1% cashback on all other retail purchases
Features :- Free for 1st year
- Welcome Bonus
- Dining Discounts
- Hotel Discounts
Offers- Earn 3% on non-AED spend, 2% on grocery spend and 1% on all other spend
- Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app
Features :- Free for 1st year
- Cashback
- Airport Lounge Access
- Dining Discounts
- Travel Insurance
- Purchase Protection & Extended Warranty
Offers- Up to 10% cash back to wallet across millions of properties worldwide via Booking.com
- 30% off 2 movie tickets per month at VOX cinemas
Features :- Free for 1st year
- Airport Lounge Access
- Movie Discounts
- Dining Discounts
- Travel Insurance
- Purchase Protection & Extended Warranty
Offers- 40% discount at over 100 golf courses worldwide
- Earn up to 1 Plus Points for every AED 100 spend
Features :- Free for Life
- Lifestyle Benefits
- Airport Lounge Access
- Golf Benefits
- Travel Benefits
Offers- Up to 3.5 % back as LuLu Points on daily spends
- Buy-one-get-on offer on VOX Cinema tickets
Features :- Free for Life
- Movie Discounts
Offers- 5% cashback when you shop and dine at the Emaar Hospitality Group
- Buy 1 get 1 free on movie tickets at Reel Cinemas and Free soft drinks and popcorn with every movie
Features :- Free for Life
- Movie Discounts
- Dining Discounts
- 30% discount on Emaar Attraction
Offers- Up to 10% cash back on RTA transport payments, fuel spends
- Up to 2.25% cashback on international spends
Features :- Cashback
- Nol Card
- RTA Transport Payments
- Fuel Spends
Offers- Up to 2.25 EI SmartMiles per AED 1 spend
- Up to 3.5 Etihad Guest Miles per USD spend
Features :- Welcome Bonus
- EI SmartMiles
- Easy Redemption
Features & Benefits of a Credit Card in Dubai, UAE
| Credits Reward and Cashback | Users can earn cashback and reward points upon each transaction. These can further be utilised for future purchases. |
| Financial Support | During scenarios like medical emergencies, credit cards in uae play an important role in paying off hefty bills instantly. |
| Increases Loan Approval Chances | Banks consider an individual’s credit usage while processing a loan application. Having a good card usage history increases loan approval chances. |
| Exciting Offers on Leisure | UAE credit cards bring multiple offers and discounts, which are applicable to leisure, entertainment, travel, food, shopping, and more. |
Wondering why to choose Policybazaar.ae to find your desired credit card?
- Compare 80+ credit cards and choose the best one for yourself
- 24x7 assistance with our customer support team
- Easy-to-navigate website
- Get credit cards from 15+ banks in one place
#1 Top Credit Cards in UAE with Salary Requirements and Annual Fees
| Name of the Bank Card | Minimum Salary Required (In AED) | Annual Fees (In AED) |
|---|---|---|
| Commercial Bank of Dubai — Visa Platinum Card | 5,000 | Free for Life |
| First Abu Dhabi Bank — Cashback Card | 5,000 | 315 |
| Dubai First — Cashback Card | 5,000 | 399 |
| Citibank — Citi Cashback Card | 8,000 | Free for the First Year Second Year Onwards — AED 300 |
| Abu Dhabi Commercial Bank — Talabat adcb cards | 5,000 | Free for Life |
| Emirates NBD — Mastercard Titanium Card | 5,000 | Free for Life |
| Emirates Islamic — RTA Card | 5,000 | Free for Life |
| RAKBANK — Titanium Mastercard Card | 8,000 | Free for Life |
| Liv. Platinum Card | 10,000 | Free for Life |
| Deem Finance — Deem Platinum Mastercard Card | 10,000 | Free for Life |
Different Types of Credit Card in UAE Offered by Policybazaar UAE
Policybazaar UAE has collaborated with the top banks to help you easily find the best credit card in UAE. We have a variety of cards that cater to the diverse requirements of card seekers and have feasible eligibility criteria. We have classified each card under a specific category based on its top features.
Here are the cards in the table along with their card name and salary:
Free for Life Cards
There are no annual fees for these card types, without compromising on the benefits. Customers get complimentary airport lounges, reward points, and exclusive offers on lifestyle, shopping, travel, dining, and leisure.
| Name of the Bank | Name of the Card | Minimum Salary Required |
|---|---|---|
| Abu Dhabi Commercial Bank | ADCB Talabat | AED 5,000 |
| Emirates NBD | Emirates NBD Mastercard Titanium | AED 5,000 |
| Emirates NBD | Emirates NBD LuLu 247 Titanium | AED 5,000 |
| Emirates NBD | Emirates NBD U By Emaar Family | AED 5,000 |
| Abu Dhabi Commercial Bank | ADCB LULU Titanium | AED 5,000 |
| Apply Now | ||
Read More About Free for Life Credit Cards
Cashback Cards
Enjoy cashback on all online and offline transactions and further utilise earned cashback for discounts on other transactions.
| Name of the Bank | Name of the Card | Minimum Salary Requirements |
|---|---|---|
| Emirates NBD | Emirates NBD Go4It Gold | AED 6,000 |
| Emirates Islamic | RTA | AED 5,000 |
| Emirates Islamic | Cashback | AED 5,000 |
| Emirates Islamic | Cashback Plus | AED 12,000 |
| First Abu Dhabi Bank | Infinite Travel | AED 30,000 |
| Apply Now | ||
Read More About Cashback Credit Cards
Airport Lounge Access Cards
Enjoy complimentary airport lounge access across the globe and additionally get free deliveries on food delivery apps, whenever required.
| Name of the Bank | Name of the Card | Minimum Salary Requirements |
|---|---|---|
| Abu Dhabi Commercial Bank | Talabat ADCB | AED 5,000 |
| Emirates NBD | Mastercard Titanium | AED 5,000 |
| Emirates NBD | Marriott Bonvoy World | AED 25,000 |
| Emirates NBD | Dnata World | AED 25,000 |
| Emirates NBD | U By Emaar Visa Infinite | AED 30,000 |
| Apply Now | ||
Read More About Airport Lounge Access Credit Cards
Welcome Bonus Cards
Get huge rewards as welcome bonuses and avail them for dining, lifestyle, and entertainment purposes. Also, get cashback and reward points credited to respective accounts on every purchase and transaction.
| Name of the Bank | Name of the Card | Minimum Salary Requirement |
|---|---|---|
| Abu Dhabi Commercial Bank | 365 Cashback | AED 8,000 |
| Abu Dhabi Commercial Bank | 365 Islamic Cashback Covered Card | AED 8,000 |
| Emirates NBD | Marriott Bonvoy World | AED 25,000 |
| Emirates NBD | U By Emaar Visa Infinite | AED 30,000 |
| Emirates NBD | Skywards Infinite | AED 30,000 |
| Apply Now | ||
Read More About Welcome Bonus Credit Cards
Movie Discount Cards
These cards are perfect for movie fans as they offer BOGO and discounts on movie tickets across the country. Moreover, get a welcome bonus upon the card activation and use it for multiple purchases.
| Name of the Bank | Name of the Card | Minimum Salary Requirements |
|---|---|---|
| Abu Dhabi Commercial Bank | 365 Cashback | AED 8,000 |
| Emirates NBD | LuLu 247 Titanium | AED 5,000 |
| Emirates NBD | U By Emaar Family | AED 5,000 |
| Emirates NBD | U By Emaar Visa Infinite | AED 30,000 |
| Emirates NBD | LuLu 247 Platinum | AED 15,000 |
| Apply Now | ||
Read More About Movie Discount Credit Cards
Travel Discount Cards
Enjoy your journey without any hassle with travel discount cards. From complimentary lounge access to flight and hotel bookings, get discounts and cashback credited to your account.
| Name of the Bank | Name of the Card | Minimum Salary Requirements |
|---|---|---|
| Emirates NBD | Dnata World | AED 25,000 |
| Emirates NBD | Dnata Platinum | AED 8,000 |
| First Abu Dhabi Bank | Infinite Travel | AED 30,000 |
| First Abu Dhabi Bank | Cashback | AED 5,000 |
| Apply Now | ||
Read More About Travel Discount Credit Cards
Balance Transfer Cards
Easily manage your money with a balance transfer facility. Additionally, get up to 4 supplementary credit card in uae for immediate family members, and other leisure benefits.
| Name of the Bank | Name of the Card | Minimum Salary Requirement |
|---|---|---|
| First Abu Dhabi Bank | Low-Rate | AED 10,000 |
Read More About Balance Transfer Credit Cards
Credit Cards with Free Supplementary Cards
This benefit has been exceptionally designed for immediate family members of a cardholder. Further, get free insurance, gift vouchers, and cashback on each transaction.
| Name of the Bank | Name of the Card | Minimum Salary Requirement |
|---|---|---|
| Emirates Islamic | Cashback | AED 5,000 |
| Emirates Islamic | Etihad Guest Platinum | AED 5,000 |
| RAKBANK | Titanium Mastercard | AED 8,000 |
| Apply Now | ||
Golf Benefit Cards
Exclusively curated for individuals who love playing golf, these cards offer free access to several golf clubs across the UAE. Other associated benefits include earning reward points, discounts on purchasing through listed merchandise, travelling, and more!
| Name of the Bank | Name of the Card | Minimum Salary Requirement |
|---|---|---|
| Emirates NBD | Mastercard Titanium | AED 5,000 |
| Emirates NBD | Marriott Bonvoy World | AED 25,000 |
| Emirates NBD | Dnata World | AED 25,000 |
| Emirates NBD | Skywards Infinite | AED 30,000 |
| Emirates NBD | Mastercard Platinum | AED 12,000 |
| Apply Now | ||
Read More About Golf Benefit Credit Cards
Know More About HSBC Credit Card Offer
Common Eligibility Criteria for Credit Card in UAE, Dubai
The common eligibility requirements to apply for a #1 credit card in UAE are as follows —
| Eligibility Factors | Criteria |
|---|---|
| Minimum Age | 18 - 21 Years |
| Nationality | Nationals and Expatriates |
| Minimum Monthly Salary Required | AED 5,000 |
| Employment Type | Salaried and Self-Employed |
Documents Required to Apply for a Credit Card Dubai, UAE
Here is a common documents required for obtaining a credit card UAE —
Documents Required For Salaried Employees |
Documents Required For Self-Employed Individuals |
|---|---|
| Emirates ID (original and a copy) | Emirates ID (original and a copy) |
| Passport (original and a copy) | Passport (original and a copy) |
| Residence visa (original and a copy) — Applicable for expatriates | Residence visa (original and a copy) — For expatriates |
| Valid salary certificate | Company Trade Licence |
| Previous 3-6 months & bank statements | Previous 3-6 months & bank statements |
Note: The respective bank may ask for additional documents as per its requirements.
How to Compare Credit Cards in UAE & Dubai?
Lending institutions and banks offer a wide range of cards. However, as these cards have different features and rewards, it’s essential to compare multiple options and choose the best deal.
Here’s how you can have a seamless process in selecting the ideal credit card in UAE:
Check the Eligibility Criteria
Start by reviewing the eligibility criteria for various cards offered in UAE.
Each card has specific requirements regarding age, salary requirement, employment status, and nationality. Make sure that you meet these criteria before applying, as this can help you narrow down the options to only those cards for which you are qualified. This can save you time in the application process.
Interest Rates
It is crucial to compare credit card interest rates as the annual percentage rate (APR) significantly affects the overall cost of borrowing.
Go for a low-interest-rate card, especially if you plan to carry a balance. Understanding how interest is calculated and applied can help you choose a card that offers better terms for your financial situation.
Features & Benefits
Read the features and benefits offered by each credit card. These can include rewards programs, cashback offers, travel perks, and insurance coverages. Consider which features align with your lifestyle requirements and financial goals.
Fees and Charges
Look at the fees and charges associated with each credit card. This includes annual fees, late payment fees, foreign transaction fees, and any other hidden costs.
By carefully checking these fees, you can avoid unexpected expenses and accurately compare the actual cost of maintaining the card. Opt for a card with a fee structure that suits your budget and usage patterns.
Get the Best Credit Cards Quotes from Top Leading Banks in UAE
How to Apply for Credit Card in UAE, Dubai?
Applying for a credit card in Dubai or in another emirate is now a straightforward process. With Policybazaar.ae, you can easily apply for cards in Dubai within minutes
- Visit the official website of Policybazaar UAE.
- Move to the credit cards section and fill out the lead form.
- After using the platform to compare cards in Dubai from the card quotes page, proceed with further instructions.
- After you submit your application, one of our representatives will get in touch with you to discuss further credit card application steps.
Credit Cards on Salary Based in UAE
FAQs About Credit Card in UAE
Ans: The best banks credit cards in UAE are from Commercial Bank of Dubai, First Abu Dhabi Bank, Abu Dhabi Commercial Bank, Emirates NBD, and Emirates Islamic Bank.
Ans: Yes, you can use more than one credit card in Dubai.
Ans:Visit policybazaar.ae, fill out the lead form, and make a credit card comparison UAE to find the most suitable one.
Ans: our credit limit is determined as per your credit profile. The decision regarding the limit is made after the bank approves your credit card application.
Ans: With a balance transfer facility, you can pay off the amount on your existing credit card by transferring it to another credit card in uae. This can help you save on high interest rates and makes it easy to repay the debts.
Ans:It may take 1-3 business days to process a credit card application.
Ans: Before applying for a credit card in UAE, check for a few things like fees and charges, outstanding balance repayment, interest rates, credit limit, benefits and offers, an option of supplementary cards, eligibility criteria, and more.
Ans: Yes, both conventional and Shariah-compliant banks offer Islamic credit cards.
Ans: Monthly salary of at least AED 5,000 is required to apply for a credit cards UAE.
Ans: The minimum monthly income required to apply for a credit card depends on the bank’s guidelines and the type of credit card you want. Generally, most banks require you to have a minimum income of AED 5,000 per month to get a credit card in UAE.
Ans: Minimum monthly salary required to obtain a credit card in UAE is AED 5,000. However, you may apply for a secured credit card.
Ans: The following documents are usually required — Original Emirates ID, Original passport, Original residence visa (applicable for expatriates), Valid salary certificate/ Trade Licence, Previous 3-6 months’ bank statements
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