Here's How to Get the Most Out of Your Credit Card

Compare & Apply for Credit Cards
  • Airport Lounge
  • Shopping Benefits
  • Fuel benefits
  • Movie Discounts




Best credit cards with 0 Annual fee*


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
Looking for Specific ?
Salary range
5,000 AED50,000+ AED
Credit card Banner
Most Popular Credit Card in UAE
Credit cards are the easiest source for quick credit. The popularity of credit cards has increased substantially within the past few decades. Credit cards that come with rewards and perks allow users to accumulate reward points which can later be redeemed. Best reward credit cards in the UAE reward the user for spending using their cards that they would have done anyway.

Very often cardholders are confused and unable to extract the maximum benefit out of their credit cards. If you are one of those cardholders who are looking forward to knowing tips and tricks that will allow you to make the best out of credit card in the UAE, you are just at the right place.

In this, we thread we will be shed light on some of the important tips and tricks that are crucial to extract the maximum benefit out of your credit card. To ensure that you never miss out on any of the best credit card rewards, we’ve put together a list of ways in which you can make the most out of your credit card in the UAE.

Choosing the Right Credit Card

The first and foremost important thing in order to extract the maximum out of credit cards is choosing the right credit card. There is no credit card that turns out to be perfect for everybody. Since the needs of people vary from individual to individual, different credit cards are perfect for different people.

While choosing your credit card you should lay emphasis on spending habits, patterns of expenditure, and credit Score. With these factors into consideration, one can choose the right credit card and manage to make the most out of it. To understand the needs of an individual let us consider an exemplary situation.

Suppose you have a huge family and you tend to spend a lot on groceries and fuel, then in this case it makes sense to get a credit card that offers bonus rewards and perks on grocery shopping. Contrary to the first situation for a single person who tends to spend less on groceries and more on traveling a travel credit card would be more suitable and accurate.

Increase your Credit Card Usage

The more expenditure you make using your credit card in the UAE, the more will be the rewards. Cardholders can try to maximize their credit card usage by using them for all purposes such as shopping, traveling, etc.

Instead of opting for debit card or cash cardholders should use their credit card to make the purchases that are vital. Cardholders can use their credit to pay bills, car repairs which will increase their expenditure and rack up bonus points which can be redeemed later.

One should try and look for situations in which they can use their credit card instead of cash or debit card or any other payment method. However, an important point to be kept in consideration while using credit cards is merchant charges. Very often merchants charge an additional amount for using credit cards, in such a situation one should calculate if they are ending up paying more money and then choose the mode of payment.

Pay off Your Entire Balance

The worst thing that a cardholder can do while using reward credit cards is paying interest. In the case of credit cards, banks and financial institutions charge a heavy rate of interest which reduces the value one gets from the rewards.

To make sure that you don’t pay interest on your credit card it is important to pay your entire credit card bill at once. Carrying an outstanding amount will lead to the imposition of interest which will reduce your rewards on the credit card. Cardholders should make a monthly budget which will help them to spend only on things they can afford and not for anything that is unnecessary. Furthermore, one should always be ready with an emergency fund to counter strokes of uncertainty on the trail of life.

Redeem Your Benefits Quickly

In the case of cashback credit cards, cardholders think that the best way to redeem is in the form of cash which is not the case with all types of credit cards. In the case of travel credit cards, one has the option of maximizing rewards that they’ve already earned. If you are fond of traveling you can book flights and hotels using reward points for your trip. However, if the card is a hotel or airline credit card you can choose to book when your reward points are the maximum.

In a Nutshell

Reward credit cards have a plethora of things to offer but require smart spending to make the most out of them. When one follows the strategy of smart spending they can save hundreds and thousands of bucks and earn numerous rewards every year.

More From Credit Cards