Credit Card in UAE

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A credit card in UAE is a financial tool, just like a debit card, but it can provide short term loans that you may need to repay within the due date. UAE Credit card offers 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 cashback, 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 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.

Most Popular Credit Card in UAE

List of Top Credit Card in UAE with Salary Requirements & Annual Fees

Bank Credit Card Minimum Salary (AED) Annual Fee (AED)
Emirates Islamic Emirates Islamic Cashback Plus Card 12,000 313.95
Standard Chartered Standard Chartered X Credit Card 10,000 Free for 1st Year
Standard Chartered Standard Chartered Manhattan Rewards+ Credit Card 10,000 Free for 1st Year
Emirates NBD Emirates NBD Lulu 247 Titanium Credit 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 Credit Card 12,000 Free for Life
Mashreq Mashreq Cashback Credit Card 7,000 Free for Life
Standard Chartered Standard Chartered Cashback Credit Card 10,000 Free for 1st Year
Standard Chartered Standard Chartered Visa Infinite Card 30,000 Free for 1st Year
Mashreq Mashreq Solitaire Credit Card 25,000 1,500
Citibank Citibank Citi Simplicity Card 5,000 Free for Life
Citibank Citibank Citi Cashback Credit Card 8,000 Free for 1st Year
Citibank Citibank Citi Rewards Card 8,000 Free for 1st Year
Citibank Citibank Emirates Citibank World Credit 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 Credit 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
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How to Compare Credit Card 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 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 credit card in UAE, 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.

Benefits of Credit Card in UAE

Along with instant short term loans, the  UAE credit cards offer a range of shopping, lifestyle, travel, and entertainment benefits. From loyalty cashback to shopping voucher, you earn rewards with every purchase. Following are the key benefits of credit cards in the UAE. 

  • Loyalty Benefits - Most credit cards in the 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 UAE credit cards, you can enjoy complimentary airport lounge access worldwide. In addition, the premium credit 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 the 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 credit 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 credit 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 UAE credit card, 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. 

Types of Credit Cards in UAE, Dubai

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.

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

  • Air Miles Credit Cards
  • Airport Lounge Access Credit Cards
  • Balance Transfer Credit Cards
  • Cash Back Credit Cards
  • Travel Credit Cards
  • Cinema Offers Credit Cards
  • Golf Credit Cards
  • Free For Life Credit Cards
  • Rewards & Offers Credit Cards
  • Shariah Compliant Credit Cards

In order to cater to customers from different income brackets, banks offer a variety of credit cards 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

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 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
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Airport Lounge Access Credit Card

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

Top 5 Airport Lounge Access Credit Cards in UAE

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

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. Credit 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

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 card 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 spends 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 7000
Emirates Islamic Emirates Islamic Bank Cashback Card 350 8000
FAB FAB Cashback Card 315 5000
Citibank Citibank Citi Cashback Card 300 8000
ADCB ADCB SimplyLife Cashback Card Free for Life 5000
ADIB ADIB Cashback Visa Platinum 1000 10000
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Travel Credit Card

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 of the banks and financial institutions offer travel credit cards that are exclusively designed for avid travelers.

Top 5 Travel Credit Cards in UAE

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

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 of the credit card lenders or banks in the UAE have tied up with cinemas such as VOX cinema and Reel Cinema that enables the cardholder to avail great discounts and offers on movie tickets such as complimentary movie tickets, discount on tickets as well as refreshments. Getting cinema offers credit cards especially for a movie lover is not 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
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Golf Credit Card

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 the customers who are either part-time or full-time golfers.

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
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Free For Life Credit Card

While plenty of luxury credit cards in the 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. Such types of credit cards are known as free for life credit cards or lifetime free credit cards.

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 7000
Emirates Islamic Emirates Islamic Emirati Card Free for life 5000
Deem Deem Mastercard Platinum Miles Up Free for Life 10000
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Rewards & Offers Credit Card

Rewards & offers credit cards are one step ahead of the basic credit cards since they offer extraordinary benefits to its cardholders. Such type of credit cards usually provide rewards in terms of cash back, 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
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Shariah Compliant Credit Card

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 the UAE offer Shariah Compliant Credit Cards. This type of Islamic credit card strictly follows shariah principles that charge profit rate instead of interest rate since Riba is strictly prohibited as per the shariah-Islamic law. However, Shariah Islamic credit card functions similarly like a traditional credit card but with slight differences in the offered benefits and features.

Best Credit Cards
Best Credit Card in UAE Best Cashback Credit Cards
Best Balance Transfer Credit Card in Dubai  Best Credit Card for Golfer in UAE
Best Travel Credit Cards Best Credit Cards for No Annual Fess in UAE
Best Credit Card for School Fees in UAE Best Credit Card for Airport Lounge Access in UAE

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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

How to Apply for Best Credit Card in UAE?

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

Credit Card Apply Offline

If you wish to apply for 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 credit card within 7 working days

Credit Card Apply Online

In case you wish to avoid a physical visit and prefer applying from the comfort of your home, you should consider the online mode. To apply for best credit card in Dubai online, you have two options.

Option 1:

  • Visit the credit card provider’s website
  • Fill and submit e-form
  • Upload the soft copy of the required documents
  • A customer care executive will call to provide details of the card and ask for your preferred delivery address

Your online credit card application will be processed by the bank. Once the bank has verified your documents and credit card application, the credit card will be sent to your address within 7 working days.

Option 2:

If you wish to apply for credit card in UAE 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 Dubai , 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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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 credit card:

Documents Required for Salaried Individuals

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 

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

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How Can Applying with Policybazaar.ae Help?

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 Banks Credit Card Offers

Credit Card Offers
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 on Salary
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Credit Card in UAE with 4500 Salary Credit Card for 5000 Salary in UAE
UAE Credit Card on 6000 Salary  

FAQ's on Credit Card in UAE

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.

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

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.