Apply for Credit Cards in 20 Seconds!
T&C Apply
Best credit cards with 0 Annual fee*
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.
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 |
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.
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.
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:
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, 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 |
See More Quotes >>> |
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 |
See More Quotes >>> |
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 |
See More Quotes >>> |
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 |
See More Quotes >>> |
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 |
See More Quotes >>> |
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 |
See More Quotes >>> |
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 |
See More Quotes >>> |
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.
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 |
See More Quotes >>> |
Rewards & offers credit cards are one step ahead of the basic credit cards since they offer extraordinary benefits to its cardholders. Such type of cards usually provide rewards in terms of cashback, air miles, discounts, and other privileges for the amount that the card members spend with their card.
Top 5 Rewards & Offers Credit Cards in UAE
Bank | Credit Card Name | Annual Fee (AED) | Minimum Salary (AED) |
---|---|---|---|
Mashreq | Mashreq Bank Solitaire Card | 1500 | 25000 |
Emirates Islamic | Emirates Islamic Bank Skywards Signature | 700 | 10000 |
RAKBANK | RAKBANK Emirates Skywards World Elite | 700 | 25000 |
FAB | FAB Cashback Card | 315 | 5000 |
Deem | Deem Mastercard Titanium Cash Up | 200 | 6500 |
See More Quotes >>> |
According to shariah law, Muslim people are not permitted to do business with any organization or take part in any sort of financial practice that levies interest i.e. Riba.
On the basis of Shariah law, few banks and financial institutions in 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.
Eligibility Criteria |
Requirements |
---|---|
Minimum Age |
21 Years |
Nationality |
UAE residents and UAE citizens |
Employment Status |
Salaried or Self-Employed Individuals |
Minimum Income |
AED 5000 |
Minimum 580 Ideal is 700+ aka “good” credit score |
There are two platforms available to apply for the best credit card UAE – Offline, and Online.
If you wish to apply for UAE credit card offline:
In case you wish to avoid a physical visit and prefer applying from the comfort of your home, you should consider the online mode. To apply for best credit card in Dubai online, you have two options.
Option 1:
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.
*Before applying for a credit card Dubai , you are advised to confirm that you meet the following credit card eligibility requirements:
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:
Requirements for Salaried Individuals |
Documents for UAE Residents |
Documents for UAE Nationals |
---|---|---|
ID Proof |
Emirates ID and Passport |
Emirates ID and Family Book (if the bank requires) |
Address Proof |
Utility Bills or other documents like rental agreements holding the address of your residence |
- |
Proof of Valid Residency |
Resident’s Visa |
- |
Proof of Income |
Salary slips from the past few months or a salary certificate from the employer or, Bank statements for the past 3-6 months |
Salary slips from the past few months or a salary certificate from the employer or, Bank statements for the past 3-6 months |
Requirements for Self-Employed Individuals |
Documents for UAE Residents |
Documents for UAE Nationals |
---|---|---|
ID Proof |
Emirates ID and Passport |
Emirates ID and Family Book (if the bank requires) |
Address Proof |
Utility Bills or other documents like rental agreements holding the address of your residence |
- |
Proof of Valid Residency |
Resident’s Visa |
- |
Proof of Income |
Trade license of the company |
Trade license of the company |
Get attractive offers & discount vouchers from top brands on every purchase from policybazaar.ae
Save Upto AED 30 |
|
Save Upto AED 10000 |
|
Save Upto AED 50 |
|
Save Upto AED 40 |
|
Save Upto AED 150 |
|
T&C apply *
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:
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 |
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.
The minimum salary required to get a credit card in Dubai, UAE is 5,000 AED.
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.
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.
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.
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.
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.
No, the interest rate charged on credit cards may vary for each provider or bank.
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.
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.
Following procedures must be followed when you are struggling to make the minimum payment due on your credit card:
Yes, all purchases through credit cards are subjected to interest unless otherwise mentioned by the banking or issuing authority.
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.