Credit Card in UAE

Credit Card in UAE

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Credit Card with
Cashback and Rewards
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

Best credit cards with 0 Annual fee*

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Policybazaar UAE brings you all the information that will enable you to compare and apply online for a Credit card in UAE and find the right card based on your requirements like eligibility, annual fees, and more. You can check pre-approved card offers from top providers such as Emirates NBD, ADCB, and HSBC among others, and get instant approval.

Credit cards come with a range of privileges including travel, entertainment, lifestyle, and shopping. Additionally, the banks also provide credit cards specific to the customer’s needs and expenses. Some cards offer rewards and cash back, while others provide free airport lounge access and travel benefits. Banks in UAE lay down lenient criteria for individuals to obtain a credit card.

With a minimum monthly salary of AED 5,000, you can easily apply for a credit card in Dubai, UAE. A little bit of security goes a long way, whether it is related to the financial aspects of your life or the non-financial ones. Credit cards are one such forms of security that come in handy when you are stuck in a financial pickle. Let’s find out more about credit cards in Dubai & UAE.

Credit Cards Definition

A Credit Card is a type of card that is used to borrow money from banks for considerably shorter durations. The money borrowed is paid at a later date aka at the end of a billing cycle. With a Credit card in Dubai, every purchase is made using the provider’s money that needs to be paid back after a few days, usually between 30 to 45 days to avoid paying additional money also known as interest. The duration of the billing cycle, interest rate, and other value-added services differ between cards and providers.

Emirates Islamic Cashback Plus Card

Airport Lounge Access
  • Minimum Salary AED 12,000
  • Annual Fee AED 313.95
  • Cashback
  • Access to Airport Lounge
  • Golf Benefits
  • Nol Card
  • Movie Discounts
  • Dining Discounts

Standard Chartered X Card

Airport Lounge Access
  • Minimum Salary AED 10,000
  • Annual Fee 1st Year Free
  • Cashback
  • Airport -Lounge Access
  • Free for 1st Year

Standard Chartered Manhattan Rewards+ Card

Airport Lounge Access
  • Minimum Salary AED 10,000
  • Annual Fee 1st Year Free
  • Hotel Discounts
  • Access to Airport Lounge
  • Free for 1st Year

Emirates NBD Lulu 247 Titanium Credit Card

Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Movie Discounts
  • Travel Discounts

Emirates NBD U By Emaar Family Credit Card

Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Dining Discounts
  • Movie Tickets
  • Golf Benefits

Emirates NBD Visa Flexi Credit Card

Free for Life
  • Minimum Salary AED 12,000
  • Annual Fee Free for Life
  • Airport Lounge - Access
  • Dining Discounts
  • Movie Tickets
  • Roadside Assistance
  • Airport Pick-Up / Drop

Emirates NBD LuLu 247 Platinum Card

Movie Discounts
  • Minimum Salary AED 15,000
  • Annual Fee AED 250
  • Free for 1st Year
  • Access to Airport Lounge
  • Movie Discounts
  • Dining Discounts
  • Valet Parking
  • Airport Pick-Up / Drop
  • Golf Benefits

Emirates NBD Marriott Bonvoy World Card

Access to Airport Lounge
  • Minimum Salary AED 25,000
  • Annual Fee AED 1500
  • Welcome Bonus
  • Airport Lounge - Access
  • Special Discounts
  • Golf Benefits
  • Valet Parking
  • Airport Pick-Up / Drop
  • Roadside Assistanc

Emirates NBD dnata World Credit Card

Airport Lounge Access
  • Minimum Salary AED 25,000
  • Annual Fee AED 999
  • Access to Airport Lounge
  • Valet Parking
  • Travel Discounts / Benefits
  • Roadside Assistance
  • Dining Discounts
  • Golf Benefits
  • Airport Pick-Up / Drop

Emirates NBD Skywards Infinite Credit Card

Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1,500
  • Welcome Bonus
  • Airport to Lounge Access
  • Valet Parking
  • Roadside Assistance
  • Dining Discounts
  • Golf Benefits

Emirates NBD U By Emaar Visa Infinite Credit Card

Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1,500
  • Welcome Bonus
  • Airport Lounge - Access
  • Movie Discounts
  • Valet Parking
  • Dining Discounts
  • Golf Benefits

Emirates NBD Go4It Platinum Credit Card

Free for Life
  • Minimum Salary AED 12,000
  • Annual Fee Free for Life
  • Free for Life
  • Movie Discounts
  • Insurance
  • Dining Discounts

Mashreq Cashback Credit Card

Cashback
  • Minimum Salary AED 7,000
  • Annual Fee Free for life
  • Cashback
  • Free for life
  • Dining Discounts

Mashreq Platinum Elite Credit Card

Free for 1st Year
  • Minimum Salary AED 7,000
  • Annual Fee 1st Year Free
  • Free for 1st Year
  • Fitness First Privileges
  • Salaam Points
  • Travel Benefits
  • Airport Pick-Up / Drop

Standard Chartered Cashback Credit Card

Free for 1st Year
  • Minimum Salary AED 10,000
  • Annual Fee 1st Year Free
  • Free for 1st Year
  • Airport Lounge - Access
  • Travel Insurance
  • Hotel Discounts

Standard Chartered Visa Infinite Card

Free for 1st year
  • Minimum Salary AED 30,000
  • Annual Fee 1st Year Free
  • Free for 1st year
  • Movie Discounts
  • Golf Benefits
  • Health Club Memberships
  • Travel Insurance

Mashreq Solitaire Credit Card

Airport Lounge Access
  • Minimum Salary AED 25,000
  • Annual Fee AED 1,500
  • Free for 1st year
  • Airport Lounge - Access
  • Valet Parking
  • Golf Benefits
  • Fitness First Privileges
  • Cashback
  • Salaam Points

Citibank Citi Simplicity Credit Card

Free For Life
  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Free for life
  • Special Discounts
  • Travel Insurance
  • Airport Lounge Access
  • Purchase Protection & Extended Warranty
  • Dining Discounts

Citibank Citi Cashback Credit Card

Free for 1st Year
  • Minimum Salary AED 8,000
  • Annual Fee 1st Year Free
  • Free for 1st Year
  • Travel Insurance
  • Airport Lounge Access
  • Purchase Protection & Extended Warranty
  • Dining Benefit
  • Special Discounts

Citibank Citi Rewards Card

Free for 1st Year
  • Minimum Salary AED 8,000
  • Annual Fee 1st Year Free
  • Free for 1st Year
  • Travel Insurance
  • Airport Lounge Access
  • Purchase Protection & Extended Warranty
  • Movie Discounts
  • Special Discounts
  • Dining Discounts

Citibank Emirates Citibank World Credit Card

Airport Lounge Access
  • Minimum Salary AED 12,000
  • Annual Fee 1st Year Free
  • Free for 1st year
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Travel Insurance
  • Purchase Protection & Extended Warranty
  • Airport Meet & Greet
  • Special Discounts

Citibank Citi Premier Credit Card

Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee 1st Year free
  • Free for 1st year
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Golf Benefits
  • Travel Insurance
  • Purchase Protection & Extended Warranty

Citibank Emirates Citibank Ultimate Credit Card

Airport Lounge Access
  • Minimum Salary AED 18,000
  • Annual Fee AED 800
  • Golf Benefit
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Special Discounts
  • Airport Meet & Greet
  • Purchase Protection & Extended Warranty

Citibank Citi Prestige Credit Card

Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1,500
  • Travel Insurance
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Golf Benefits
  • Airport Meet & Greet
  • Purchase Protection & Extended Warranty

Emirates Citibank Ultima Credit Card

Airport Lounge Access
  • Minimum Salary AED 36,750
  • Annual Fee AED 3,000
  • Travel Insurance
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Golf Benefits
  • Airport Meet & Greet
  • Purchase Protection & Extended Warranty

FAB Cashback Credit Card

Cashback
  • Minimum Salary AED 5,000
  • Annual Fee AED 315
  • Cashback
  • Airport Lounge Access
  • Movie Discounts
  • Travel Discounts
  • Hotel Discounts

Deem Mastercard Platinum Cash Up Card

Free for Life
  • Minimum Salary AED 10,000
  • Annual Fee Free for Life
  • Free for Life
  • Airport Lounge Access
  • Dining Discounts
  • Valet Parking
  • Travel Discounts/Benefits

Deem Finance Mastercard Titanium Cash Up Card

Cashback
  • Minimum Salary AED 5,000
  • Annual Fee 1st Year Free
  • Free for 1st year
  • Careem Rides
  • Cashback
  • Avis Car Rental
  • Travel Discounts / Benefits
See More Quotes >>>

Features & Benefits of a Credit Card in Dubai, UAE

Loyalty Benefits Most credit cards in UAE offer attractive loyalty program. You can earn reward points with every purchase and redeem them to avail of exclusive discounts. You can also convert your loyalty reward points into air miles to enjoy discounts on flight tickets with all partner airlines.
Airport Lounge Access With several credit cards in the UAE, you can enjoy complimentary airport lounge access worldwide. In addition, the premium cards can offer unlimited free access along with an accompanying guest. To avail of these services, you need to do a one-time registration with the service providers like LoungeKey, Volace and more.
Exclusive Entertainment Offers Numerous credit cards in UAE come with exclusive entertainment offers such as Buy1Get1 offers on movie tickets, discounted access to theme parks and adventure sports along with complimentary food and beverages. However, to avail of such offers, you may need to cross the minimum monthly spending threshold.
Dining Discounts and Offers As a cardholder in the UAE, you get exclusive offers on dining and restaurant expenses. Some cards offer up to 30% discount at over 1400, restaurants across the UAE. Additionally, you can also avail of Buy1Get1 offers on various diners and coffee outlets.
Discounted Flight Tickets and Stays Using a card for flight booking, you can avail yourself of up to 30% discounts on flight tickets when booking with Cleartrip.com and other similar providers. Along with the travel benefits, you get attractive discounts on hotel booking such as complimentary night stays, discounted booking fare, free upgrades, complimentary food and more.
Travel Accident and Medical Insurance When booking a ticket with your card, you get complimentary travel medical and personal accident insurance with a worldwide coverage. The protection plan is also known an as multi-trip travel insurance, and you can secure each of your journey for up to a day.
Security and Life Insurance Several credit cards in the UAE offer discrete benefits of securing your life and the outstanding balances. With services such as credit shield insurance, you can insure your outstanding balances in case of involuntary loss of employment, cardholder’s death, critical illnesses, permanent disabilities, etc. Additionally, you get protection for your purchased items with extended warranty and purchase protections.
Convenient Financial Management With a credit card in Dubai, you get access various features such as interest-free days, easy payment plans, instant cash loans, utility bill payments and a full suite of online banking services to manage your card account effectively from anywhere at any time.

Different Types of Credit Cards in UAE

Cashback Back & Free Airport Lounge Access - Policybazaar uae

Top Credit Cards in UAE with Salary Requirements & Annual Fees

Bank Credit Card Name Minimum Salary (AED) Annual Fee (AED)
ADCB ADCB Accor Infinite Credit Card 40,000 1,050
ADCB ADCB Accor Signature Credit Card 20,000 1,575
Emirates Islamic Bank Emirates Islamic Cashback Plus Card 12,000 299
Standard Chartered Bank Standard Chartered X Credit Card 10,000 Free for 1st Year
Standard Chartered Bank Standard Chartered Manhattan Rewards+ Credit Card 10,000 Free for 1st Year
Emirates NBD Emirates NBD Lulu 247 Titanium Card 5,000 Free for Life
Emirates NBD Emirates NBD U By Emaar Family Credit Card 5,000 Free for Life
Emirates NBD Emirates NBD Visa Flexi Credit Card 12,000 Free for Life
Emirates NBD Emirates NBD Lulu 247 Platinum Card 15,000 250
Emirates NBD Emirates NBD Marriott Bonvoy World Credit Card 25,000 1,500
Emirates NBD Emirates NBD Dnata World Credit Card 25,000 999
Emirates NBD Emirates NBD Skywards Infinite Card 30,000 1,500
Emirates NBD Emirates NBD U By Emaar Visa Infinite 30,000 1,500
Emirates NBD Emirates NBD Go4It Platinum Card 12,000 Free for Life
Mashreq Bank Mashreq Cashback Credit Card 7,000 Free for Life
Standard Chartered Bank Standard Chartered Cashback Card 10,000 Free for 1st Year
Standard Chartered Bank Standard Chartered Visa Infinite Card 30,000 Free for 1st Year
Mashreq Bank Mashreq Solitaire Credit Card 25,000 1,500
Citibank Citibank Citi Simplicity Card 5,000 Free for Life
Citibank Citibank Citi Cashback Card 8,000 Free for 1st Year
Citibank Citibank Citi Rewards Card 8,000 Free for 1st Year
Citibank Citibank Emirates Citibank World Card 12,000 Free for 1st Year
Citibank Citibank Citi Premier Card 15,000 Free for 1st Year
Citibank Citibank Emirates Citibank Ultimate Card 18,000 800
Citibank Citibank Citi Prestige Card 30,000 1,500
Citibank Citibank Emirates Citibank Ultima Card 36,750 3,000
FAB First Abu Dhabi Cashback Credit Card 5,000 315
Deem Finance Deem Finance Mastercard Titanium Cash Up Card 10,000 Free for Life
Deem Finance Deem Finance Mastercard Platinum Cash Up Card 5,000 Free for 1st Year
see more cards

Eligibility Criteria for Credit Card in UAE

Eligibility Criteria 

Requirements 

Minimum Age

21 Years

Nationality 

UAE residents and UAE citizens 

Employment Status 

Salaried or Self-Employed Individuals

Minimum Income 

AED 5000

Credit Score

Minimum 580 

Ideal is 700+ aka “good” credit score

Documents Required to Apply for a Credit Card in Dubai, UAE

Given below are two tables explaining the basic documents required for both salaried and self-employed individuals in the UAE to get a card:

Documents Required for Salaried Individuals for Credit Card

Requirements for Salaried Individuals

Documents for UAE Residents 

Documents for UAE Nationals 

ID Proof 

Emirates ID and Passport 

Emirates ID and Family Book (if the bank requires)

Address Proof 

Utility Bills or other documents like rental agreements holding the address of your residence 

-

Proof of Valid Residency 

Resident’s Visa

-

Proof of Income 

Salary slips from the past few months or a salary certificate from the employer or,

Bank statements for the past 3-6 months

Salary slips from the past few months or a salary certificate from the employer or,

Bank statements for the past 3-6 months

Documents Required for Self-Employed Individuals for Credit Card

Requirements for Self-Employed Individuals

Documents for UAE Residents 

Documents for UAE Nationals 

ID Proof 

Emirates ID and Passport 

Emirates ID and Family Book (if the bank requires)

Address Proof 

Utility Bills or other documents like rental agreements holding the address of your residence 

-

Proof of Valid Residency 

Resident’s Visa

-

Proof of Income 

Trade license of the company

Trade license of the company

How to Apply for Credit Card?

There are two platforms available to apply for the best credit card in UAE – Offline, and Online.

 Offline Applying Process

If you wish to apply for a UAE credit card offline:

  • Visit the nearest branch of the desired credit card’s provider
  • Submit the duly filled application form
  • Submit the required documents
  • The bank will verify your documents and issue a card within 7 working days

Online Applying Process

In case you wish to avoid a physical visit and prefer applying from the comfort of your home, you should consider the online mode.

If you wish to apply for credit card in Dubai without any hassle within a few minutes, you should try our website.

  • Visit our website and find the credit card page link on the top
  • Click on the credit card link
  • Fill in the e-form
  • Select the desirable credit card
  • Fill in the details
  • Upload the soft copy of the required documents
  • The bank will verify your credit card application, details, and delivery address and send the credit card to your address within 7 working days.

*Before applying for a credit card in Dubai, UAE, you are advised to confirm that you meet the following credit card eligibility requirements:

  • You should be 21 years or older
  • Your minimum salary should not be less than AED 5,000

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How to Compare Credit Cards in UAE & Dubai?

It is important to compare credit cards UAE before applying for one. Different kinds of credit cards may have different features. Some of the cards are free, whereas some of them charge an annual fee. Each
available credit card option comes with its own set of advantages and disadvantages. Therefore, making a comparison between the available options becomes essential. In this digital world, an applicant can compare different cards online without any hassle.

Here are some of the basic factors for making the comparison.

  • Interest Rate: In order to attract more customers, the card providers promise to charge low rates of interest. However, the applicant must compare rates of interest on different cards and find out the lowest possible option.
  • Other Fee and Charges: Every credit card involves a few compulsory charges that the cardholder has to bear. The applicant must read the fine print thoroughly so that they are aware of the fee and charges applicable on the concerned card.
  • Minimum Income: To be eligible to apply for a credit card in Dubai, the applicant must be earning a certain amount of monthly income. They must earn at least 5,000 dirhams to be eligible to apply for the card.
  • Rewards and Benefits: Before applying for credit cards in Dubai, the applicant must check the rewards and benefits offered on different cards. They must choose the card that is loaded with the set of benefits that are the most suitable for them.

Different Types of Credit Cards in UAE Offered by Policybazaar UAE

There are different types of plastic money in the Emirates, each catering to a different type of card user. In order to find the most suitable one and consequently pick the best credit card offers in Dubai, UAE, it is important to familiarize themselves with the various categories to better.

In order to cater to customers from different income brackets, banks offer a variety of credit cards in Dubai, each with its own eligibility criteria and credit limit. From free credit cards  to premium ones, the following are the types of cards to be considered:

Air Miles Credit Card in UAE

Air miles, also known as travel points and frequent flyer miles, are a part of a loyalty program offered by the air miles cards. Ideally, the cardholder accumulates a set amount of air miles based on how much they spend on the credit card in UAE which can be further redeemed for booking flight tickets for free. There are two types of air miles credit cards are available in the UAE. Airline Miles, which are airline-specific reward miles and the other one is Airline ME, which are not linked with any specific airline and can be redeemed in a number of ways.

Top 5 Air Miles Credit Cards in UAE

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED)
Deem Deem Mastercard World Miles Up 500 25000
Emirates Islamic Emirates Islamic Bank Skywards Signature 700 10000
RAKBANK RAKBANK Emirates Skywards World Elite 700 25000
FAB FAB Etihad Guest Infinite Islamic 2500 30000
Emirates NBD Emirates NBD Skywards Signature 700 15000
See More Quotes >>>

Airport Lounge Access Credit Card in UAE

Regardless of the purpose of travel, airport lounge access credit cards can always come in handy. There are several cards available in Dubai & UAE that offer complimentary airport lounge access to its cardholder where they can relax and unwind before taking off.

Top 5 Airport Lounge Access Credit Cards in UAE

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED)
Mashreq Mashreq Bank Solitaire 1500 25000
Deem Deem Mastercard Titanium Cash Up 200 6500
Emirates Islamic Emirates Islamic Bank Flex Elite 700 25000
FAB FAB Cashback Card 315 5000
Citibank Citibank Emirates Citibank Ultima 3000 36750
See More Quotes >>>

Balance Transfer Credit Card in UAE

A balance transfer credit card helps the cardholder to transfer the high-interest debt from one credit card to another with a low interest rate. These cards that offer a balance transfer facility can help the cardholder to save a lot on the high rate of interest by paying off the outstanding debt.

Top 5 Balance Transfer Credit Cards in UAE

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED)
CBD CBD Super Saver 420 8000
Emirates NBD Emirates NBD Lulu Mastercard Titanium Free for Life 5000
FAB FAB Elite Infinite Free for Life 40000
HSBC HSBC Zero Credit Card Free for Life 10000
United Arab Bank United Arab Bank Visa Titanium 300 6000
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Cashback Credit Card in UAE

Cashback credit cards pay its cardholder back some percentage of their purchases or transactions in cash. The bank rewards the card member for the purchase made using a credit card in Dubai by offering rewards in terms of cashback. However, the cashback amount differs from one card to another depending on the type of purchases & monthly caps, plus factoring in minimum spending requirements.

Top 6 Cashback Credit Cards in UAE

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED)
Mashreq Mashreq Bank Cashback Card Free for Life 10000
Emirates Islamic Emirates Islamic Bank Cashback Card 350 8000
FAB FAB Cashback Card 315 5000
Citibank Citibank Citi Cashback Card 300 8000
ADCB ADCB SimplyLife Cashback Card Free for Life 5000
ADIB ADIB Cashback Visa Platinum 1000 10000
See More Quotes >>>

Travel Credit Card in UAE

Frequent travelers would already know how expensive it is to bear all the travel expenditures. From flight tickets to hotel bookings, travel expenses can be very high at times. Keeping travel needs in mind, some banks and financial institutions offer travel credit cards that are exclusively designed for avid travelers.

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED)
ADCB ADCB Traveller Credit Card 1050 20000
Deem Deem Mastercard Titanium Cash Up 200 6500
Standard Chartered Standard Chartered Platinum 525 8000
CBD CBD Smiles Visa Platinum 366.45 8000
RAKBANK RAKBANK Mastercard World 750 20000
See More Quotes >>>

Cinema Offers Credit Card in UAE

Who does not love watching a movie in the theatre after a long working week? What better way to enjoy this if one can avail free movie tickets or discounts on booking cinema tickets? To reward its customers, some credit card lenders or banks in UAE have tied up with cinemas such as VOX cinema and Reel Cinema enables the cardholder to avail of great discounts and offers on movie tickets such as complimentary movie tickets, and discounts on tickets as well as refreshments. Getting cinema offers and movie discounts on a credit card in Dubai, UAE especially for a movie lover is no less than a treat since it is a smart way to save money on movie tickets.

Top 5 Cinema Offers Credit Cards in UAE

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED)
Emirates Islamic Bank Emirates Islamic Bank Etihad Guest Platinum 199 8000
FAB FAB Cashback Card 315 5000
Citibank Citibank Citi Prestige Card 1500 30000
CBD CBD Super Saver 420 8000
Standard Chartered Standard Chartered Bank Manhattan Platinum 525 8000
See More Quotes >>>

Golf Credit Card in UAE

UAE is home to some of the finest golf courses in the world and also golf has become more than a sport in the country. It is no wonder that most of the banks and financial institutions offer golf credit cards that offer benefits to customers who are either part-time or full-time golfers on the credit card in Dubai, UAE.

Top 5 Golf Credit Cards in UAE

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED)
Mashreq Mashreq Bank Solitaire Card 1500 25000
Emirates Islamic Emirates Islamic Bank Skywards Signature 700 10000
Citibank Citibank Emirates Citibank Ultimate 800 18000
Standard Chartered Standard Chartered Bank Manhattan Platinum 525 8000
Emirates NBD Emirates NBD Skywards Signature 700 15000
See More Quotes >>>

Free For Life Credit Card in UAE

While plenty of luxury credit cards in UAE come with an annual membership fee, there is a wide range of top tier credit cards that offer ample benefits and rewards without charging an annual membership fee for a lifetime.

Top 5 Free For Life Credit Cards in UAE

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED)
ADCB ADCB SimplyLife Cashback Card Free for Life 5000
ADIB ADIB Value Card Free for life 5000
Mashreq Mashreq Bank Cashback Card Free for life 10000
Emirates Islamic Emirates Islamic Emirati Card Free for life 5000
Deem Deem Mastercard Platinum Miles Up Free for Life 10000
See More Quotes >>>

Rewards & Offers Credit Card in UAE

Rewards & offers credit cards are one step ahead of basic credit cards since they offer extraordinary benefits to their cardholders. Such types of cards usually provide rewards in terms of cashback, air miles, discounts, and other privileges for the amount that the card members spend with their card.

Top 5 Rewards & Offers Credit Cards in UAE

Bank Credit Card Name Annual Fee (AED) Minimum Salary (AED)
Mashreq Mashreq Bank Solitaire Card 1500 25000
Emirates Islamic Emirates Islamic Bank Skywards Signature 700 10000
RAKBANK RAKBANK Emirates Skywards World Elite 700 25000
FAB FAB Cashback Card 315 5000
Deem Deem Mastercard Titanium Cash Up 200 6500
See More Quotes >>>

Shariah Compliant Credit Card in UAE

According to shariah law, Muslim people are not permitted to do business with any organization or take part in any sort of financial practice that levies interest i.e. Riba.  

On the basis of Shariah law, few banks and financial institutions in UAE offer Shariah Compliant Credit Cards. This type of Islamic credit card in Dubai, UAE strictly follows shariah principles that charge profit rate instead of interest rate since Riba is strictly prohibited as per the shariah-Islamic law.

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How Can Applying for a Credit Card with Policybazaar.ae Helps?

Applying for a credit card in UAE can be a time-consuming process, especially with the similar rewards and rates of interest offered by different cards. Here, Policybazaar.ae helps the applicant to save time and zero down on the right card of their choice. Here is why they should opt for Policybazaar.ae to initiate their research:

  • 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 -ae doesn’t favor 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 & Dubai, 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 -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.

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Top Credit Cards in UAE
Emirates NBD Lulu Mastercard Titanium Credit Card Deem Mastercard Platinum Cash Up Credit Card
Emirates NBD Titanium Credit Card Emirates NBD Skywards Signature Credit Card
Emirates NBD Duo Credit Card RAKBANK World Credit Card
ADCB SimplyLife Credit Cards Dubai Islamic Bank Consumer Reward Card
Emirates Islamic RTA Platinum Credit Card Emirates Citibank Ultima Credit Card
Emirates NBD U By Emaar Visa Credit Card Emirates NBD Go4it Platinum Credit Card
ADCB TouchPoints Gold Credit Card Dubai Islamic Bank Prime Platinum Card
Emirates NBD Visa Infinite Credit Card FAB Signature Credit Card
Emirates NBD Diners Club Credit Card Emirates NBD Dnata Platinum Credit Card
Emirates NBD Skywards Infinite Credit Card Standard Chartered Manhattan Platinum Credit Card
Emirates NBD Go4it Gold Credit Card FAB Standard Credit Card
FAB Cashback Credit Card ADCB LuLu Co-Brand Platinum Credit Card
Emirates NBD Marriott Bonvoy World Mastercard Credit Card ADCB Lulu Titanium Credit Card
ADIB Value+ Card FAB Gems Titanium Credit Card
ADIB Spice Card Emirates NBD MasterCard Platinum Credit Card
Emirates NBD U By Emaar Family Credit Card CBD One Starter VISA Signature Credit Card
Mashreq Cashback Credit Card Citi Premier Credit Card
Emirates NBD Visa Platinum Credit Card Emirates Citibank Ultimate Credit Card
RAKBANK RED Credit Card Emirates Islamic Easy Credit Card
ADCB Traveller Credit Card ADCB TouchPoints Platinum Credit Card
Emirates NBD Lulu Mastercard Platinum Credit Card RAKBANK Titanium Credit Card
Deem Mastercard Titanium Cash Up Credit Card Standard Chartered Saadiq Platinum Murabaha Credit Card
Mashreq Platinum Elite Credit Card American Express Platinum Card
FAB Abu Dhabi Titanium Credit Card Citibank Citi Cashback Credit Card
Citibank - Citi Simplicity Credit Card Emirates Islamic Cashback Plus Credit Card

Top Banks Credit Card Offers

Credit Card from Top Banks in UAE
Citibank Credit Card Offers HSBC Credit Card Offers
FAB Credit Card Offers CBD Credit Card Offers
Standard Chartered Credit Card Offers ADCB Credit Card Offers

Credit Cards on Salary Based in UAE

Credit Cards based on Salary
2500 Salary Credit Card UAE Credit Card Minimum Salary 3000
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UAE Credit Card on 6000 Salary  

FAQ's

Which bank gives credit cards easily in UAE?

Convenient application systems, swift processing and quick activation make getting credit card a rather easy affair in UAE. Banks like Citibank, FAB and Emirates Islamic are a few out of the many banks that offer credit cards quite easily.

How can I get a credit card in UAE?

You can easily apply for a credit card in UAE via online and offline platforms of the banks and provider’s. Basic eligibility criteria must be met before sending out credit card applications. The acceptance of the credit card application depends upon your credibility structure and the bank’s decision.

Who is eligible for a credit card in UAE?

Any UAE resident or citizen older than 21 years of age can apply for a credit card in the UAE. The applicant simply has to fulfil the eligibility criteria set by the bank.

What is the minimum salary required to get a credit card in UAE, Dubai?

The minimum salary required to get a credit card in Dubai, UAE is 5,000 AED. 

What is a good credit score to apply for a credit card in UAE?

The credit score ratings range from 300 to 900. The higher the score, the higher are your chances of getting a credit card. Scores above 540 are considered “good”. You can apply for a credit card as long as your credit score falls in the “good” category. However, having a credit score of around 700 improves your chances of getting approval.

What criteria should be considered before taking out a credit card?

Ensure that you match the minimum Income criteria before applying for a credit card. In UAE minimum salary required for getting a credit card is 5,000 AED.

  • Check the interest rate of the credit card. It is recommended to choose a credit card with low interest rates.   
  • Some credit cards have an annual fee. Check all the details and terms of the fee structure before applying for one. 
  • While some cards provide value-added benefits on travel and lifestyle expenditures, others offer cashback and reward-based perks based on your monthly expenses. 
How can I have a credit card without paying interest?

Yes, some credit cards have an interest-free period. The interest-free period can differ for each card. Some cards come interest-free for the first three months, others may have 40 to 55 days’ interest-free after the activation.

Are there Islamic Finance credit cards available?

Yes, many banks offer Islamic credit cards in the UAE. Islamic credit card, a Shariah-compliant financial product, is a vital part of Islamic banking. They possess the same characteristic features and benefits as their traditional counterparts: interest and period dependant credit cards. They also provide the same kind of credit facilities like cash back, loyalty points or free additional gifts at the time of purchase of goods or consumption of services, and others.

How do I make repayments on my credit card?

Most credit card providers allow customers to pay their credit card bills directly via internet banking and mobile applications. You can also use third-party applications to make your credit card bill payments. 

Do all credit card products charge the same or a similar rate of interest?

No, the interest rate charged on credit cards may vary for each provider or bank. 

Should I take out a credit card if I have a big purchase to make?

Interest charged on due balance on credit cards after the end of the repayment grace period is higher than any other credit tool available in the market. If you use a credit card to make a huge purchase and take more than a month to repay the amount, you may end up paying heavy interest amounts. Therefore, making small payments while staying within the healthy credit utilisation ratio is encouraged through credit cards.

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

Several banks like Standard Chartered Bank offer credit cards with an interest-free period in the UAE. You can consider applying for one such credit card. However, remember that the interest-free period is capped at a maximum of 3 months. You will be liable to pay interest on outstanding payments after that.

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

Following procedures must be followed when you are struggling to make the minimum payment due on your credit card:

  • Call the banking authorities
  • Consolidate your credit through a personal loan
  • Encash the facilities offered through balance transfer cards
  • Apply for credit cards with higher limits once you have cleared your existing debt 
Do I need to pay interest on all purchases that I make using my credit card?

Yes, all purchases through credit cards are subjected to interest unless otherwise mentioned by the banking or issuing authority.

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

A debit card is funded through the savings account deposits and recurring account deposits of the consumers. On the other hand, a credit card is funded as an overdraft facility provided to the consumers for purchasing goods and consumption of services.

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