Business Credit Cards in UAE & Dubai

Credit Card in UAE
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Using the right business credit card can help you save significantly every time you swipe your card. Business credit cards offer reward points and a whole range of exciting deals on dining, travel, entertainment, etc to make your shopping experience worth it. Whether you are a small or a large business owner, a business credit card can offer you hundreds of benefits by helping you manage your work related expenses efficiently. 

Banks in UAE offer a variety of business credit cards for both small and large-scale businesses. Some of them offer attractive discounts on travel, dining, hotel tariffs, entertainment, etc. Every business credit card has specialised offers. You must first analyse your financial preferences and choose a card that suits your requirements. 

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In this post, we will take you through different types of business credit cards available in the market with their annual membership charges, followed by the features, benefits, eligibility criteria, documents required, and much more. Moreover, we will also help you learn how you can apply for your chosen business credit card in just a few clicks. 

Business Credit Cards

Annual Membership Fee

CBD Business Credit Card

AED 0

Emirates Islamic Business Credit Card

AED 0

Mashreq Bank Platinum Business Credit Card

AED 0

Emirates Money Business Credit Card

AED 0

ADIB Business Gold Covered Card

AED 400

NBAD Business Visa Credit Card

AED 0

DIB Business Gold Premium Credit Card

AED 200

ADIB Business Visa Platinum Covered Card

AED 800

UNB Business Credit Card

AED 350

Dubai First Corporate Credit Card

AED 0

RAKBANK Titanium Business Credit Card

AED 0

DIB Business Platinum Credit Card

AED 250

Aseel Business Credit Card

AED 500

Mashreq Corporate Travel & Entertainment Card

AED 0

American Express Corporate Purchasing Card

AED 0

Majid Al Futtaim Finance (Najm) Corporate Card

AED 500

United Arab Bank Business Credit Card

AED 0

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Features & Benefits of Business Credit Cards in UAE

Here are the major features and benefits of business credit cards in UAE.

  • Free for Life - Most banks in UAE offer free for life business credit cards for their customers. Even if the cardholders need to pay the annual membership fees, they get an option to waive it off by spending a certain amount using the concerned credit card. 
  • Cash Advance Facility - Banks and other financial institutions in UAE offer business credit cards with cash in the advance facility for the cardholders. With this facility, they can withdraw cash of up to 50 to 80 percent of their available credit limit.
  • Flexible Payment Options - Business credit cards in UAE come with flexible payment options to help cardholders make easy credit card bill payments. They can make these payments using different kinds of wallets, online and mobile banking portals, and more. 
  • Interest-Free Credit Period - Most banks offer business credit cards with an interest-free period of 52 days to help cardholders manage their cash flows more efficiently. With this facility, the cardholders can manage and pay their credit card outstanding amount with great ease. 
  • Low Interest Rates - The best credit cards in UAE offer lower interest rates to help cardholders save more even while spending.
  • Repayment Options - Business credit cards in UAE offer easy repayment options by letting cardholders make a minimum of 5 percent of their bill payment and carry forward the remaining amount to the next billing cycle.
  • Rewards and Programs - Business credit cards in UAE offer various exciting rewards and memberships to help cardholders enjoy exclusive deals and discounts at different locations across the globe. Most banks’ credit cards enable cardholders to convert or redeem their reward points for flight bookings, airport lounge access, distance miles, and more.
  • Balance Transfer - Business credit cards offer a balance transfer facility for the cardholders to easily consolidate and transfer their multiple credit cards outstanding to the preferred one and convert the same into monthly EMIs to make easy bill payments.
  • Enhanced Security - The best credit cards in UAE have enhanced security as they are using 3D secure and Chip & Pin technology to secure card payments.
  • Cash-On-Call Facility - Business credit cards in UAE come with a cash-on-call facility to help cardholders get instant cash in case they need it while traveling in a foreign country.
  • Global Acceptance - Business credit cards in UAE are mostly globally acceptable. These cards can be used at any retail store to shop, at any ATM to withdraw cash, and more.
  • Business Expense Management - Business credit cards help businesses manage their business expenses by separating them from personal ones. These cards can be used to pay for business expenses such as dining, travel, utility bill payments, and much more.

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Eligibility Criteria for a Business Credit Card in UAE

Here are the eligibility criteria the applicants need to meet when applying for a business credit card in UAE.

  • All expats and UAE nationals are eligible to apply for a business credit card in UAE.
  • The applicant must have a valid trade license.
  • The applicant must meet the minimum income requirement as stated by the concerned bank.
  • The age of the applicant must be between 25 and 65 years to apply for a business credit card in UAE.

Document Required for a Business Credit Card in UAE

Here is the list of documents required when applying for a business credit card in UAE.

  • A filled out application form
  • Emirates ID – Original and a copy
  • A valid Passport – Original and a copy
  • UAE Residency Visa (for expats) – Original and a copy
  • Proof of Residence – Original and a copy
  • Salary Certificate/Pay Slips of the last three months (for income verification of salaried applicants)
  • Bank Statement of the last three months (for income verification of self-employed applicants)
  • Post-dated cheques for security purposes
  • Credit copy (in case the applicant holds another bank credit card)

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How to Find the Best Business Credit Card in UAE

Here are the simple steps to follow when looking for the best business credit card in UAE.

  • Understand How Business Credit Cards Work - Before applying for a business credit card, you must first understand how they work. All the banks in UAE offer business credit cards for their corporate customers to help them easily differentiate their personal and business expenses. These credit cards are mostly used by business owners or their employees to pay for business-related expenses.
  • Analyse Your Financial Needs - Now that you know what all expenses you can pay for using your business credit card, you can easily choose the one based on your financial needs. Keeping in mind your spending habits, make sure you review all your business expenditures. To better understand all your expenses, you can go through the books from the past years and identify the categories where you spend the most. The banks in UAE offer business credit cards specialising in certain categories that include dining, travel, entertainment, and more. You can shortlist your categories and look for a credit card that comes with exciting offers in that specific area.
  • Compare Different Credit Cards - You can’t just visit any bank’s website and get the first business credit card that you see. Make sure you go through the features and benefits of multiple credit cards offered by different banks and find the one that offers the best deals. You can also visit our website to find the best suitable business credit card. On the website, you need to go to the credit cards section, enter your details and preferences and you will be able to find the list of credit cards that match your needs.
  • Consider Added Benefits - Most banks in UAE offer some additional benefits with business credit cards to make them more useful for cardholders. These benefits include cash in advance, purchase protection, credit shield insurance, travel insurance, balance transfer, and many others. To make an informed decision, make sure you go through the list of additional benefits before choosing a business credit card. 
  • Check Additional Fees and Charges - Banks and other financial institutions in UAE charge some additional fees and charges on business credit cards. These charges include over-limit fees, annual membership fees, late payment charges, and more. Make sure you go through the fees structure to save yourself from paying hidden charges in your credit card bills. 
  • Apply for the Credit Card - Now that you have checked almost everything about a business credit card, you are good to make an informed financial decision. Choose the credit card that caters to all your financial preferences and apply for the same on any of the online banking portals or at the branch. Keep reading to know different ways of applying for a business credit card.

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How to Apply for the Best Business Credit Card in UAE

Here are a few simple ways of applying for a business credit card in the UAE.

  • Online Banking Portal - Most banks in UAE offer online banking portals for their customers to help them easily manage their finances. The existing banking customers can use online banking portals to apply for their desired business credit card with the concerned bank. The process of applying for a credit card using these portals is almost the same for all the banks in UAE. All the applicants need to do is login to the Internet Banking Portal, go to the requests section, fill out the application form, and place a request for their desired credit card. The applicants need to submit supporting documents on the portal itself.
  • Mobile Banking App - Banks in UAE also offer mobile banking apps to help customers have all the banking services right at their fingertips. The existing banking customers can also use the mobile app to apply for their preferred business credit card. All they need to do is register on the mobile app and login to it using their unique banking credentials. They can then go to the requests section, fill out the application form and complete the application. The applicants may need to upload the essential documents on the mobile app itself. 
  • Bank’s Website - The applicants can also visit their chosen bank’s website and fill the online application form to apply for their desired business credit card. The applicants need to upload the necessary documents on the website to complete the application process.
  • Bank’s Helpline Number - Some banks in UAE also take credit card requests over the phone. The applicants can simply get the helpline number from the bank’s website and call the same to place a request for their preferred business credit card.
  • Bank’s Branch - The applicants who do not have access to the internet can go to their chosen bank’s branch to apply for their preferred business credit card. They need to fill in the application form at the branch and submit the same with all the essential documents in the presence of a bank representative. 
  • Our Website - Visiting our website is the most convenient way of applying for a credit card. The applicants can visit our website and go through the features and benefits of shortlisted business credit cards to find the one that best fits their financial needs. The best part is that the applicants can call our help and support line anytime to seek assistance. Our financial experts analyse the applicants’ financial needs, explain the features and benefits of all the suitable business credit cards and help them get the one that caters to their needs.
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Why Should You Choose Policybazaar.ae?

Here are a few major reasons you must choose Policybazaar.ae to find your best-fit business credit card.

  • Customised Products - With Policybazaar.ae, you can get a wide range of customised business credit cards and other financial products. Our expert team first analyses your financial needs and suggests credit cards accordingly. The best part is that our representatives explain the detailed features and benefits of all the suitable credit cards and help you choose the one that best fits you.
  • Ease of Selection - We enable the applicants to choose the best credit card in minutes. You can either go to our website or call our help and support line to know more about your chosen business credit cards. Our financial experts are familiar with the benefits of almost all the banks’ credit cards and they help you find a suitable credit card in minutes. 
  • Instant Choices - The applicants prefer to compare different credit cards before they choose to buy one. And to compare the deals, offers, fees structure, and more, they need to visit different websites or online portals of their chosen banks. However, that is not the case with us. We provide the applicants with all the details on a single portal. This helps them make easy and quick choices. Not just that! You can also call the helpdesk and speak to our financial experts and know more about their chosen business credit cards.
  • Fulltime Help and Support- Policybazaar is known for its excellent customer service and instant support. We offer fulltime help and support for our customers. You can call us anytime to find answers to your queries and resolutions for your problems.
  • Qualified Professionals - We have a team of the most qualified professionals. They analyse the customers’ needs and offer them the products based on the same. These representatives remain available round-the-clock and help you find the best suitable banking products without any hassle.