Credit Card in UAE

Cashback Credit Cards with Balance Transfer in UAE

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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Most Popular Credit Card in UAE

Cashback Credit Cards are beneficial for regular spenders, as they allow customers to get discounts and reduced prices in the long term. However, inconsiderate expenditures can land you in debt even with cashback credit cards.  Similarly, if you are using more than one credit card, there is always a probability of missing dues of any one of them. However, with the balance transfer Credit Cards in the United Arab Emirates (UAE), you can tackle this issue to a great extent.

The term 'balance transfer', in this case, refers to the centralisation of pending dues. With this facility, you can consolidate your dues from all other credit cards to a particular card. This centralised amount can then be repaid in instalments, simplifying the repayment process to a great extent. 

You can easily select from the different schemes offered by leading banks to avail the benefits of Cashback Credit Cards with Balance Transfer. While these cards offer cashback and balance transfer facilities, they also provide other benefits to customers. For instance, certain airport lounge restaurants provide cashback plans on certain meals with your flight ticket booked using a specific credit card.

Nowadays, you can easily find several banks providing Balance Transfer Credit Cards that allow you to transfer the outstanding balance from one bank account to another. 

Best Cashback Credit Cards with Balance Transfer in UAE

ADIB Value Credit Card

ADIB reward points, access to airport lounges, and up to 10% cashback on dining in the UAE are just some of the perks provided to the customers of the ADIB Value Card. These cards also provide an ease of access with benefits like cash withdrawal of up to 100% of the card limit, a complimentary grace period, and 4 free supplementary cards.

ADIB Value Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Free for Life
  • Dining Discounts
  • Special Discounts

Features and Benefits of ADIB Value Card

  • Cash withdrawal: With the ADIB Value Credit Card, you can withdraw cash up to the full amount of the credit limit.
  • Grace period: ADIB Value Card provides a complimentary grace period of up to 55 days, allowing customers to easily repay their outstanding balance.

This card allows you to earn rewards on both domestic and international spending. You can enjoy a world of privileges and benefits like vouchers at shopping malls, discounts at select restaurants and flights throughout the UAE and worldwide. Similarly, its cashback feature can be enjoyed at dining, with a maximum cashback of AED 100 permitted per transaction on such Cashback Credit Cards with Balance Transfer.

Regarding its balance transfer aspect, ADIB Value Credit Card allows you to centralise your dues from other credit cards and repay the amount in simple instalments without monthly interest. If you go up to 50% of your cover limit, you can repay the amount in 12 monthly instalments, while 3 monthly instalments will be applicable in case 100% of the cover limit is reached. 

In case a card holder opts for the 3-month option, a one-time processing fee will be levied, which will be 2% of the balance transfer amount. This fee goes up to 3% if the 12-month option is exercised. In both cases, at least AED 200 will be the processing fee. 

Eligibility Criteria for ADIB Value Credit Card

The minimum salary required for this card is AED 5,000 per month. It has no annual fee and has its monthly interest rate going up to 3.09%.

FAB Etihad Guest Platinum Credit Card

This credit card gives you unique sign-up perks and other advantages like airport transfers, 10,000 Etihad Guest Miles on joining, cinema deals, golf discounts, money transfer facility, retail offers, and much more. Moreover, this FAB Etihad Guest Platinum Credit Card also offers protective services like an extended warranty, credit shield, and purchase protection. 

FAB Etihad Guest Platinum Credit Card
Special Discounts
  • Minimum Salary AED 8,000
  • Annual Fee AED 500
  • Special Discounts
  • Travel Insurance
  • Balance Transfer

Besides 10% cashback at leading online stores across the world, this card also offers a balance transfer option that allows you to consolidate and repay all your credit card dues in one place. 

Eligibility Criteria

A monthly salary of at least AED 8,000 is required to apply for this card having an annual fee of AED 500. The interest rate for retail finance charges is 3.50% on a monthly basis. This card allows the option of a balance transfer of up to 90% of your credit card limit.

CBD World Mastercard Credit Card

While CBD World Mastercard Credit Card is renowned for its excellent cashback, which can go up to 10% cashback on expenditures, this card from the Commercial Bank of Dubai offers numerous more exclusive benefits that ensure unforgettable experiences. You can enjoy features and perks like free airport lounge access, complimentary golf access, a 50% discount on VOX & Reel cinema tickets, CBD rewards, and more. 

This card offers two balance transfer options: standard balance transfer and revolving balance transfer. Standard balance transfer means that you can only repay the centralised amount in fixed instalments, while revolving balance transfer plans allow you to modify your credit amounts every month under certain limits.

CBD World MasterCard Credit Card
Cashback
  • Minimum Salary AED 25,000
  • Annual Fee Free for the first year
  • Cashback
  • Free for 1st year
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Valet Parking
  • Balance Transfer

Eligibility Criteria
The applicant should be a UAE resident and above the age of 21 years. The minimum monthly salary required for this credit card is AED 25,000. The card comes with an annual fee of AED 787.50 applicable second year onwards, although it will be waived off if the annual retail spending made with the card crosses AED 100,000.

Emirates NBD Mastercard Titanium Credit Card

This Emirates NBD card allows you to take advantage of various features and rewards that include golf privileges, free access to airport lounges, reward points, multiple discounts across the world’s leading firms, and so on. However, this credit card is also among the market leaders in the Cashback Credit Cards With Balance Transfer in the UAE. 

With a minimum balance transfer amount of AED 1,000, you can easily pay off your credit cards dues with Emirates NBD Mastercard Titanium Credit Card. The only aspect to be remembered is that a 1% (of outstanding principal amount) cancellation fee and 5% VAT will be levied in case a customer opts for early settlement.

Emirates NBD Titanium Credit Card

Airport Lounge Access
  • Minimum Salary AED 5,000
  • Annual Fee AED 400
  • Airport Lounge Access
  • Golf Benefits
  • Dining Benefits
  • Balance Transfer

Eligibility Criteria

The minimum salary to qualify for this card is AED 5,000, with the annual fee being AED 400. The interest rate for the monthly finances is 3.25%.

RAKBANK Red Credit Card

If you wish to save money on your purchases, this RAKBANK Cashback Credit Card with Balance Transfer is perfectly suitable for you. Besides saving your time with contactless technology, the card also provides access to up to a 30% discount at more than 2,000 restaurants across the UAE along with travel accident coverage, credit shield, purchase protection, and more. Its most notable benefit comes in the form of cashback, with a 1.5% cashback on monthly spending of above AED 3,000 across any category. 

RAKBANK RED Credit Card and other RAKBANK credit cards make for an excellent choice regarding balance transfer. With a processing fee of 1.95%, RAKBANK users can repay their dues of all the credit cards without any interest within 3 months.

RAKBANK RED Credit Card
Free for Life
  • Minimum Salary AED 8,000
  • Annual Fee Free for Life
  • Free for Life
  • Dining Discounts
  • Special Discounts
  • Balance Transfer

Eligibility Criteria 

The minimum salary for obtaining this free for life credit card is AED 5000. It has a monthly interest rate of 3.45%. The same interest rate, i.e., 3.45%, is applicable in case the balance transfer repayment extends beyond 3 months. 

HSBC Advance Credit Card

With HSBC Advance Credit card, you can earn air miles as a reward and get free access to the HSBC Entertainment App. You will also receive multiple travel and leisure advantages, with the list including hotel discounts, free airport lounge access, free supplementary cards, and much more. 

This card is notable for its cashback offer, as it offers up to AED 300 cashback on the application today. Moreover, as one of the finest balance transfer credit cards, it allows you to enjoy a balance transfer facility at a 0% monthly interest rate for plans across the tenure of 6, 12, or 24 months. The early settlement fee is also free, and the maximum applicable balance transfer fee is 6% of the total amount.

HSBC Advance Credit Card

Balance Transfer
  • Minimum Salary AED 10,000
  • Annual Fee Free for Life
  • Balance Transfer
  • Movie Discounts
  • Airport Lounge Access
  • Free for Life
  • Valet Parking

Eligibility Criteria

The minimum salary an applicant must-have for this card is AED 15,000 per month. While this card is available without any annual fee for life, the retail interest applicable on it is 3.45% per month

Cashback Credit Cards with Credit Card types
Cashback Credit Cards with Dining Offers Cashback Credit Cards with Valet Parking
Cashback Credit Cards with Airport Lounge Access Cashback Credit Cards with Roadside Assistance
Cashback Credit Cards with Airport Chauffeur Services Cashback Credit Cards with Golf Offers
Cashback Credit Cards with Cinema Tickets  

FAQs

Will I earn cashback using the supplementary card?

Yes, you can receive cashback on your supplemental card purchases provided it is a credit card.

How can I get my credit card activated?

Contrary to popular opinion, visiting a bank is not the only way to activate a credit card. With multiple options across online banking and mobile banking available, activating your credit card with a few clicks (or taps) at your convenience is now pretty straightforward.

Simply visit the online portal of your bank using online banking or a mobile application, and select the card of your choice. You will find relevant options in menus around the services, which you can follow to easily activate your card. Moreover, you should remember that even though the steps may differ as per the bank, the overall process largely remains the same.

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