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 UAE, 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. ...read more
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.
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 UAE, 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.
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
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.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Which bank provides you with credit cards easily in the UAE?
How easily you can get a credit card in the UAE depends on the type of credit card that you want, your credit score, current debts, and other factors.
Who is eligible for a credit card in the UAE?
To apply for a credit card in the UAE, you should be at least 21 years old and meet the minimum income requirement stated by the bank. You should also have an acceptable credit score as per the bank’s requirements.
How to get a credit card in the UAE with a low salary?
You can apply for a credit card even if you have a low income. For this, you can look around for the options on Policybazaar.ae’s quotes page. Simply provide your income bracket when filling out the lead form.
What is the minimum monthly income required to apply for a credit card in UAE?
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 the UAE.
How to get a credit card in the UAE with AED 3,500 as a salary?
You should have a minimum income of AED 5,000 to get a credit card in the UAE. However, there are some options available for this salary group as well. You can look for banks that offer a credit card at an income of AED 3,500 on Policybazaar.ae and apply for the same.
Can you get a credit card in the UAE if your salary is as low as AED 3,000?
To get a credit card in the UAE, you should wait for your income to reach a general minimum income of AED 5,000. This is because it will become easy to apply for a credit card once you reach that income bandwidth.
Can you get a credit card in the UAE if your income is AED 4,500?
Generally, you cannot get a credit card in the UAE if your income is AED 4,500, as most banks and providers require a minimum monthly income of AED 5,000 for a credit card. However, you may still look for a few options in this salary range or explore secured credit cards.
Can you get a credit card in the UAE without a job?
You can generally apply for a basic credit card if you are unemployed. However, for this, you would be required to mention your alternate income sources.
Can you get a credit card in the UAE if you have a salary of AED 2,500?
To get a credit card in the UAE, you should have a minimum income of AED 5,000. You cannot get a credit card at such a low salary as the bank will not find you reliable enough to pay your credit card bills.
Can you apply for a credit card in the UAE without a salary slip?
You can apply for a credit card without a salary slip. However, for this, you should have adequate alternative income sources or a good bank balance.
What should be kept in mind before applying for a credit card in the UAE?
Before applying for a credit card in the 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.
Should you use a credit card in the UAE to make a major purchase?
You can use your credit card to pay for big purchases only if you can afford to settle the credit card balance.
Do all credit cards in the UAE charge same interest rate?
The interest rate for most credit cards in the UAE is variable and changes from time to time.
How is the spending limit on the credit in the UAE determined?
Your credit limit is determined as per your credit profile. The decision regarding the limit is made after the bank approves your credit card application.
How can you save using a balance transfer facility on the credit card in the UAE?
With a balance transfer facility, you can pay off the amount on your existing credit card by transferring it to another credit card. This can help you save on high interest rates and makes it easy to repay the debts.
What is a premium credit card in the UAE?
A premium credit card is a credit facility that charges an annual fee from you and offers exclusive benefits in return. Such a card is often viewed as a status symbol and offered only to people falling in the high-income bracket. Some benefits offered include concierge service, access to exclusive international airport lounges, global travel insurance, and more.
Are there any Islamic finance credit cards in the UAE?
Both conventional and Islamic banks and lending institutions in the UAE offer shariah-compliant credit cards.
Just superbEven more than 10/10 to Policybazaar.ae. It was just WOW getting all credit cards on fingertips and the application as well
manoj shettyAbu Dhabi, June 5, 2023
★★★★★
Best credit card site!Been to couple of sites but policybazaar.ae is truly the best place to get credit cards. It's almost like you don't have to do anything major and yet get epic options and at what good low rates too
asminUAE, June 5, 2023
★★★★★
Best for shopping freaksAs an avid online shopper, I was thrilled to discover Policybazaar.ae's credit card section. It has truly great cards for shoppers, and has so many credit cards at pretty low interest rates.
Mohammad NahasSharjah, June 5, 2023
★★★★★
Thanks for making credit card shopping so easyHave always found shopping for a credit card hard. Policybazaar.ae however made it a breeze! With the site's detailed information on each card rates, rewards, fees, I could easily make an informed choice.
Adwait PhatakRas Al Khaimah, June 5, 2023
★★★★★
One-stop shop in the truest senseWhat I loved about Policybazaar.ae is that it's truly a one-stop-shop for all my credit card needs. Whether I want to compare and get different cards or read up on a particular one, I can do everything on the site!!
James KariukiAbu Dhabi, May 7, 2023
★★★★★
Hassle-free credit card application process!100% recommending Policybazaar UAE to everyone! Amazing collection of credit cards with 24/7 customer service! Good going team!
Ali AbbasDubai, March 20, 2023
★★★★★
Satisfied with Ajman Bank Credit Card Rewards!I recently purchased an Ajman Bank Credit card in the UAE and I am incredibly satisfied with the benefits that I have earned so far. I feel like I am managing my finances much better with the card's budgeting and tracking features. Additionally, I am enjoying exclusive rewards, discounts and cashback offers from a wide range of merchants, which is a great incentive. I am also able to take advantage of the no interest payment plan, making it convenient and affordable to shop
Shady ghanemAbu Dhabi, March 19, 2023
★★★★★
HSBC Zero Credit Card Helped Me Save a Lot of MoneyI recently purchased an HSBC Zero credit card in the UAE. I am pleasantly surprised by the benefits I have earned. The card offers 0% interest on balance transfers, cash advances and purchases, which saves me a lot of money. I also get complimentary air miles and reward points whenever I use the card. Thanks to the card, I can now shop without any worries of interest rates or late payment fees. Overall, the card has been a great choice for me.
MUHAMMAD ALISharjah, March 19, 2023
★★★★★
Saved a Lot of Money with Balance Transfer Credit Card!I recently purchased a balance transfer credit card in the UAE. The benefits have been numerous. My balance transfer interest rate is 0% for up to 12 months, which is saving me a lot of money. I have also been able to take advantage of cashback offers, reward points and exclusive discounts. The credit card also offers me free access to a range of airport lounges and travel insurance. Overall, I'm very pleased with the balance transfer credit card I purchased and the benefits it has provided me.
Sahab uddinDubai, March 19, 2023
★★★★★
Got Discount on Movie Tickets!The cinema offers credit card in the UAE has been extremely beneficial for me. I get access to exclusive discounts on movie tickets and food items. I also get amazing reward points and cash back offers for each purchase I make. The best part is that the card has no joining or annual fees. I'm also given priority access to special screenings and events. All in all, the cinema offers credit card has been a great way to save money and enjoy movie-going experiences.
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Credit cards are an invaluable tool for managing finances during times of cash crunch. Over the years, they have become an essential part of our lives, thanks to their convenient usage and simple repayment options.
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