Free for Life Credit Cards

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Best credit cards with 0 Annual fee*

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits
Most Popular Free for Life Credit Cards in UAE

Numerous banks and financial institutions in the UAE provide a diverse selection of credit cards, each offering different features and advantages.

Among them, some credit cards require an annual membership fee in exchange for various benefits. Some, on the other hand, can be availed without any annual fee. While the benefits offered by a credit card are worth more than the annual fees in most, individuals often seek credit cards with no annual fee.

These cards are commonly known as ‘free for life credit cards’ or ‘lifetime free credit cards’. With these cards, you can enjoy seamless transactions and various benefits without paying any annual fee, although charges related to interest and other services may apply.

Cashback Back & Free Airport Lounge Access - Policybazaar uae

What are Free for Life Credit Cards in the UAE?

In the UAE, some credit card applicants use their credit cards occasionally and only wish to avail basic benefits without having to pay any annual charges. For such applicants, banks and financial institutions offer free for life credit cards that come without any annual fees.

It's important to note that credit cards without annual charges generally come with limited benefits and offers compared to cards with annual fees. Since there are no annual membership fees involved, these free for life credit cards typically do not offer loyalty programs, golf benefits, or high rewards.

Features and Benefits of Free for Life Credit Cards in UAE

The allure of getting something for free appeals to everyone, regardless of their income. With these lifetime free credit cards, you can enjoy incredible benefits without having to worry about annual charges.

While the specific features and benefits of free for life credit cards may vary from one card to another, here are the general features offered by such cards -

  • Peace of Mind: Lifetime free credit cards spare cardholders from annual membership fees, allowing them to enjoy the perks associated with their cards without worrying about paying the annual or renewal fees.
  • Access to Airport Lounges: Both primary and supplementary cardholders can enjoy complimentary access to select airport lounges with some cards.
  • Free Supplementary Cards: Cardholders can obtain free supplementary cards for their family members so that their loved ones get to enjoy the offers and rewards associated with the card.
  • Dining Privileges: Cardholders can relish excellent discounts and offers at participating restaurants.
  • Buy One Get One Offers: With free for life credit cards, users can avail of numerous ‘Buy One Get One’ offers across leisure, hotels, dining, and entertainment venues.

Top Free for Life or Lifetime Free Credit Cards in UAE

Several banks in the UAE offer lifetime free credit cards. Let’s take a look at some of the best ones (in no particular order).

Note: The list provided is for informational purposes and does not signify any ranking.

  1. Citibank Citi Simplicity Card
  2. Liv. Platinum Credit Card
  3. Commercial Bank of Dubai Titanium Mastercard
  4. Emirates NBD Lulu 247 Titanium Credit Card
  5. Emirates NBD U By Emaar Family Credit Card
  6. Mashreq Bank Cashback Card
  7. First Abu Dhabi Bank - FAB SHARE Standard Credit Card
  8. Deem Finance Platinum Cash up Credit Card
  9. RAKBANK Titanium Mastercard Credit Card
  10. Ajman Bank BRight Titanium Credit Card

Citibank Citi Simplicity Card

Citibank is a prominent banking institution providing numerous financial solutions and consumer credit services. In the UAE, the bank has a notable presence with a smart center, 3 Citigold lounges, 4 branches, and a network of 39 ATMs to cater to the requirements of its customers.

Top Key Features and Benefits of the Citibank Citi Simplicity Card

  • You can get complementary supplementary cards for your family members to make it convenient for them to access the benefits.
  • Take advantage of the PayLite feature, which allows you to convert significant purchases into affordable installments.
  • With this credit card in UAE, you won’t have to pay any annual fee, over-limit fee, cash advance fee, or late payment fee. 
  • Benefit from access to exclusive airport lounges at various locations across the Middle East through the MasterCard Travel Pass app
  • Enjoy enticing discounts on travel, dining, and entertainment in the UAE and various other countries.

Liv. Platinum Credit Card

Amidst the swiftly changing digital landscape, Liv Bank shines as a leading digital bank in the UAE. With its seamless digital experience, unparalleled rewards, cutting-edge payment options, and transparent pricing, it has emerged as a preferred choice for users seeking convenience, simplicity, and financial empowerment.

Top Key Features and Benefits of the Liv. Platinum Credit Card

  • You have the opportunity to earn a generous cashback of up to 12,000 AED per year or accumulate 1 Skywards Mile for every 1 AED spent.
  • With the boost categories that you select, transactions can fetch you up to 15% cashback or 1 Skywards Mile for each dirham spent.
  • Additionally, you can enjoy attractive ‘Buy 1 Get 1 Free’ offers on dining and lifestyle.
  • Cardholders can also benefit from airport lounge access, which provides them access to more than 25 lounges around the world.

Commercial Bank of Dubai Titanium Mastercard

Founded in 1969, the Commercial Bank of Dubai (CBD) began as a joint venture involving Commerzbank, Chase Manhattan Bank, and the Commercial Bank of Kuwait, with a minority ownership held by a select group of UAE businessmen. Currently, it is among the eminent banks in the UAE and has numerous credit cards with top-notch offers in its collection.

Top Key Features and Benefits of the Commercial Bank of Dubai Titanium MasterCard

  • The primary card comes with no annual fees.
  • Earn CBD Reward Points for every dirham spent on the card.
  • Enjoy complimentary access to more than 10 Marhaba and CAC Airport lounges in the UAE, Kuwait, Jordan, KSA, and Egypt.
  • Get up to 10% cashback on booking.com spends.
  • Avail a 50% discount on two cinema tickets at Novo cinemas each month.

Emirates NBD Lulu 247 Titanium Credit Card

Emirates NBD is a leading bank in the UAE and has been honoured with several rewards and recognitions. For instance, in The Banker's 2023 list of the World's Top 1,000 Banks, Emirates NBD Bank secured an impressive 85th global ranking. Furthermore, it was recognised as the ‘Strongest Bank in the UAE’ and the ‘Fifth Strongest Bank in the Middle East’ according to The Asian Banker 500 Largest and Strongest Banks Rankings.

Top Key Features and Benefits of the Emirates NBD Lulu 247 Titanium Credit Card

  • Get rewarded with up to 3.5% back in the form of LuLu Points on your everyday expenses.
  • Unlock exclusive privileges and enticing offers at LuLu.
  • Enjoy a ‘Buy One Get One’ offer on VOX Cinema tickets. Note that a minimum spend of AED 3,000 is required for this offer.
  • Take advantage of a 0% Balance Transfer welcome offer.
  • Experience convenience and luxury on the go with access to over 10 regional and international airport lounges.

Emirates NBD U By Emaar Family Credit Card

This is another card from Emirates NBD that you can get without any annual fee.

Top Key Features and Benefits of the Emirates NBD U By Emaar Family Credit Card

  • Avail a fantastic ‘Buy 1 Get 1 Free’ offer on movie tickets at Reel Cinemas.
  • Earn a generous 5% back in the form of Upoints when you dine or stay at the Emaar Hospitality Group.
  • Enjoy a discount of up to 30% on entertainment at the Emaar Entertainment Group. This includes exciting venues such as Kidzania, The Dubai Underwater Zoo, and Dubai Ice Rink.
  • Earn Upoints on all spends - 1% for regular spends and 5x points on Emaar-related spends

Mashreq Bank Cashback Card

Founded in 1967, Mashreq has established itself as a prominent financial institution in the UAE. With a robust presence in various international locations across Europe, Asia, Africa, and the US, as well as key financial hubs globally, it has solidified its position as a leading player in the financial industry in the region and beyond.

Top Key Features and Benefits of the Mashreq Bank Cashback Card 

  • When you get your first credit card, you'll receive a warm welcome bonus of AED 500. For existing credit cardholders, the applicable bonus is AED 100.
  • Take advantage of a fantastic 20% cashback offer for the first 6 months when you use your card for transactions regarding Netflix, Zomato, and so on.
  • You can earn unlimited cashback on your spends.
  • On dining, you can get a cashback of up to 5%.

First Abu Dhabi Bank - FAB SHARE Standard Credit Card

First Abu Dhabi Bank (FAB) is one of the top banks in the UAE and the Middle East. With its origins rooted in Abu Dhabi, FAB is the largest bank of the UAE in terms of assets and boasts a wide array of incredible banking services and products throughout the region as well as its interconnection with the global markets.

Top Key Features and Benefits of the FAB SHARE Standard Credit Card

  • Get up to 7% value back in the form of SHARE points at Carrefour for each AED 1 that you spend.
  • Earn up to 5.25% value back in SHARE points at places like VOX Cinemas, Magic Planet, Ski Dubai, iFLY Dubai, Little Explorers, and Dreamscape.
  • Enjoy up to 3.25% value back in SHARE points on all your spending at Mall of the Emirates and City Centres across the UAE.
  • Earn up to 1.75% value back in SHARE points on international spending, online shopping, and other retail spending.
  • Additionally, you can avail a fantastic 2-for-1 offer on cinema tickets at VOX Cinemas.

Deem Finance Platinum Cash up Credit Card

Deem operates as a financial services provider under the regulation of the Central Bank of UAE and is affiliated with Gargash Group, the UAE-based conglomerate. Through its array of innovative cashback and loyalty-driven cards, Deem has successfully garnered a diverse and extensive customer base in the UAE.

Top Key Features and Benefits of the Deem Finance Mastercard Platinum Cash up Credit Card

  • No annual fees for lifetime 
  • Enjoy up to 10% cashback at department stores.
  • Get up to 5% cashback on online shopping.
  • Earn up to 5% cashback on entertainment expenses.
  • Additionally, you can earn 1% cashback on all other retail purchases.

RAKBANK Titanium Mastercard Credit Card

RAKBANK, or the National Bank of Ras Al Khaimah, is a publicly listed joint stock company headquartered in the emirate of Ras Al Khaimah. Established in 1976, it is among the largest banks in the UAE and is listed on the Abu Dhabi Securities Exchange (ADX) The Government of Ras Al Khaimah holds a significant ownership stake of 52.76% in the bank.

Top Key Features and Benefits of the RAKBANK Titanium MasterCard Credit Card

  • When you apply for this RAKBANK credit card in the UAE, you will have the opportunity to receive an Emaar Gift Card worth AED 300 (subject to a minimum spending of AED 4,000 on eligible spends) and stand a chance to win a luxury car. 

  • Additionally, you can benefit from zero processing fees on balance transfers, subject to terms and conditions.
  • Enjoy 5% cashback at supermarkets and restaurants, and get a fantastic 20% discount at Kidzania.
  • Indulge in exclusive offers on shopping, dining, and much more.
  • Get complimentary travel accident insurance for excellent insurance coverage for your trips  

Ajman Bank BRight Titanium Credit Card

Founded in 2007, Ajman Bank plays a significant role as a fundamental pillar in the banking industry of the emirate. It offers a wide array of value-driven, Sharia-compliant banking and financial services in the UAE to individuals, businesses, and government institutions. 

Top Features and Benefits of the Ajman Bank Bright Titanium Credit Card

  • Get up to 1 BRight Reward for every AED 10 spent.

  • Redeem BRight Rewards across a wide range of options, including ticket bookings with more than 300 airlines, over 300,000 hotel stay choices, electronics, and gift vouchers for your family and loved ones.
  • Make use of valet parking up to 2 times a month at more than 35 locations.
  • Take advantage of 0% payment plans at select merchants.

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How to Choose the Ideal Free for Life Credit Card in UAE?

With a plethora of free for life credit cards available in the market, finding the perfect one can be pretty confusing at times. Each lifetime free credit card offers a variety of benefits and features, which can make it challenging for you to make a decision.

To simplify the process of making a choice for you, we have listed a few factors that you should consider while selecting the best lifetime free credit card -

  1. Chargeable Upgrades: Some lifetime free credit cards may offer optional upgrades with additional services, but these upgrades could come with charges. It is essential to carefully review the terms and conditions to understand the potential costs and make an informed choice.
  2. Validity of Offers: While lifetime free credit cards offer attractive benefits, rewards, and discounts, it's crucial to check whether these offers have a limited validity period. As credit card issuers might alter the benefits after some time, it becomes crucial to understand the terms and conditions.
  3. Interest Rates: When looking for the right credit card in the UAE, it's necessary to consider the interest rates on pending credit card dues. This is because even if your credit card doesn’t have an annual fee, you can end up paying a considerable amount in case it has high interest rates.
  4. Rewards and Benefits: The best credit cards in UAE come with various perks like air miles, bonus points, cashback offers, and reward points. After thoroughly assessing your options, it becomes easier to identify your preferences. For instance, if you frequently travel and prefer travel benefits over others, you can consider going for a credit card that offers miles.

Keep in mind that some benefits may have specific terms and conditions, such as a minimum spending requirement or partnerships with select retailers.

Eligibility Criteria for Applying for Lifetime Free Credit Cards in UAE

The eligibility criteria for acquiring a lifetime free credit card may vary as per your chosen credit card as well as the card issuer. However, you can check out the general requirements as followed in the UAE below:

  • Age: The applicant must be at least 21 years old.
  • Income: The applicant should have a verified and stable source of monthly income. Their salary should also match the minimum income requirements of the card provider.
  • Nationality: Both UAE nationals and expatriates are eligible to apply for free for life credit cards.
  • Credit Score: A good AECB credit score is necessary to be eligible for a free for life credit card. However, the exact credit score required to apply will depend on the credit card that you choose.

discount offers - Policybazaar uae

With Policybazaar.ae, you can apply for a lifetime free credit card without needing to step out anywhere. Right from where you are reading these lines, you can compare the best credit cards in the UAE and apply for your preferred free for life credit card in just a few clicks.

Here are the steps that you must follow to apply for a credit card through our website:

  • Visit the official website of Policybazaar UAE
  • Search for credit cards under the ‘Banking Products’ section. You can also click on the credit card icon on our homepage.
  • Fill out the lead form with details such as your name, age, city, nationality, and so on.
  • Compare the top options from our credit card quotes page. Note that you can also use filters to seek particular credit cards such as those without any annual fee. 
  • Once done, choose the most relevant card and apply for it by following the on-screen instructions.
Free for Life Credit Card with Roadside Assistance in UAE 

Why Choose Policybazaar.ae for a Free For Life Credit Card?

Policybazaar.ae serves as a one-stop platform for a wide array of financial products to cater to the requirements of UAE residents. Through this platform, you can explore the best credit cards from the leading providers and compare them as per different parameters. This way, you can find the most suitable credit card for yourself that perfectly aligns with your budget and requirements.

For those seeking the best free for life credit card in the UAE, Policybazaar.ae provides a seamless experience. By visiting our official website, you can swiftly compare multiple lifetime free credit cards in one place and apply for one in just a few clicks.

Top Banks That Offer the Free for Life Credit Card in UAE

Credit Cards with No Annual Fees
ADIB Free for Life Credit Cards in UAE ADCB Free for Life Credit Cards in UAE
DIB Free for Life Credit Card in UAE CBI Free for Life Credit Cards in UAE
Citibank Free for Life Credit Cards in UAE American Express Free for Life Credit Cards in UAE
RAKBANK Free for Life Credit Cards in UAE Najm Free for Life Credit Cards in UAE

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