Rewards Points Credit Cards with Airport Lounge Access in UAE

By Atul Yadav
  | Published: 24 November 2021

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Being one of the most popular financial tools, credit cards come with discrete benefits and privileges. Issuers and banks keep on renovating their services to target a variety of customers. Presently, credit card benefits are not limited to shopping and purchases, as they offer a range of lifestyle, travel, and entertainment privileges. In the UAE, several banks have customised the card services by blending numerous benefits, and one such example is the reward credit cards with airport lounge access

With such reward credit cards, you can avail yourself of access to premium airport lounges without spending a single dirham. Apart from various other travel benefits, you earn reward points on each and every purchase locally or internationally. You can redeem your rewards for discounts or convert them into Air Miles to avail of travel offers. Go through the article below to know more about reward credit cards offering airport lounge access. 

Best Rewards Credit Cards with Airport Lounge Access in UAE

Apart from rewarding loyalty points, the following reward credit cards offer complimentary airport lounge access across the globe. 

ADCB Etihad Guest Signature Credit Card

ADCB Etihad Guest Signature Credit Card
Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1,050
  • Airport Lounge Access
  • Dining Discounts
  • Golf Benefits
  • Travel Insurance

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • With the ADCB Etihad Guest Signature credit card, you earn up to 2 Etihad Guest Miles on every USD 1 spent. Additionally, you also get a joining bonus reward of 35,000 Guest Miles. 
  • Using the credit card, you can avail of free access to over 1000 airport lounges worldwide.
  • To secure your travel, you get multi-trip travel insurance of up to 90 days. 
  • When you book hotels through Agoda using the Signature credit card, you get up to a 12% discount on selected properties.
  • The credit card offers up to 35% off on Avis car rental worldwide. 
  • Using this credit card, you can enjoy exclusive benefits at over 900 premium hotels across the globe through Visa luxury hotel collection privileges. 
  • The Etihad Guest Signature credit card offers you up to a 30% discount at over 1400 restaurants in the UAE. 
  • For efficient financial management, the credit card comes with easy payment options, 55 interest-free days, balance transfer and cash advance feature.

ADCB Etihad Guest Infinite Credit Card

ADCB Etihad Guest Infinite Credit Card
Airport Lounge Access
  • Minimum Salary AED 40,000
  • Annual Fee AED 2,625
  • Airport Lounge Access
  • Dining Discounts
  • Golf Benefits
  • Travel Insurance

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • As a part of the reward benefits, the credit card fetches you up to 3 Etihad Guest Miles for every USD spent locally or internationally. 
  • With the Etihad Guest Infinite credit card, you can enjoy unlimited lounge access at over 1000 airports across the globe. 
  • When signing up for the credit card, you get up to 60,000 bonus Guest Miles. 
  • Using this card, you can avail of up to 12% discounts on hotel bookings through Agoda and up to 35% off on Avis car rental. 
  • When booking a flight ticket with the Infinite credit card, you automatically get enrolled for multi-trip travel insurance to protect your tours for up to 90 days. 
  • As a part of your lifestyle benefits, you get up to 30% discounts on restaurant expenses, golf offers and Visa ENTERTAINER offers. 
  • With features like interest-free balance transfers, easy payment plans, credit card loans, you can manage your finances conveniently. 

ADCB Traveller Credit Card

ADCB Traveller Credit Card
Airport Lounge Access
  • Minimum Salary AED 20,000
  • Annual Fee AED 1,050
  • Free for 1st year
  • Airport Lounge Access
  • Golf Benefits
  • Hotel Discounts
  • Special Discounts
  • Travel Insurance

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • With every AED one spent using the Travellers credit card, you earn 2 Touchpoint rewards on each local spending. 
  • Using the ADCB Travellers credit card, you can enjoy free access to over 900 airport lounges worldwide. 
  • On booking your flight tickets through cleartrip.ae, you get a 20% discount capped at AED 5,000 per booking. 
  • When booking hotels with an ADCB Travellers credit card, you can avail of up to 6 complimentary nights subject to your annual spending. 
  • While using your credit card overseas, you don’t need to pay any processing fee. 
  • You can also secure your outstanding balances with optional credit shield insurance. It comes with a complimentary life cover. 
  • The card is loaded with a range of lifestyle, entertainment and shopping benefits. 
  • When booking your flight tickets with the ADCB Travellers credit card, you get complimentary travel accident and inconvenience insurance for up to 90 days.

ADIB Booking.com Infinite Credit Card

ADIB Booking.com Infinite Card
Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 2,000
  • Airport Lounge Access
  • Valet Parking
  • Golf Benefits

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • For each expense done using your Booking.com Infinite credit card, you earn 3 ADIB reward points per AED spent. The offer applies to all local and international expenses. 
  • As a part of your travel benefits, the card offers free airport lounge access to over a thousand airports worldwide.
  • You also get up to 7% cashback on booking your flight tickets using the Booking.com Infinite credit card. 
  • To secure your travel from accidents and inconvenience, you get complimentary multi-trip travel insurance.  
  • When you book hotels using your ADIB Booking.com credit card, you get up to a 10% discount.
  • With the credit card, you get access to a host of dining offers across premium restaurants in the UAE. 
  • The card comes with takaful protection, extended warranty and purchase protection to secure yourself and the purchases against unforeseen events.  
  • ADIB Booking.com Infinite credit card offers a cash advance of up to 100% of your credit limit.

ADIB Value Plus Credit Card

ADIB Value+ Card
Free for life
  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Free for Life
  • Dining Discounts
  • Airport Lounge Access

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • Using the ADIB Value Plus credit card, you earn 1 reward point for each domestic purchase per AED and 2 points for foreign expenses in AED equivalents.
  • With a Value Plus credit card, you can avail yourself of free access to premium airport lounges at regional and domestic airports.
  • You can conveniently redeem the ADIB reward points to avail of flight discounts anytime to any destination. 
  • With exclusive access to Priceless Arabia Offers, you can enjoy a host of dining, travel, entertainment, sports activities and shopping benefits. 
  • With various card features like cash on call, balance transfer, and online utility bill payment, you also get up to a 100% cash advance limit. 

CBD Titanium Mastercard Credit Card

CBD Titanium MasterCard Credit Card
Cashback
  • Minimum Salary AED 10,000
  • Annual Fee Free for Free
  • Cashback
  • Free for Life
  • Airport Lounge Access
  • Movie Discounts

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • Using the CBD Titanium credit card, you earn reward points on each dirham you spend.
  • With the CBD Titanium credit card, you get access to 10 VIP airport lounges across the Middle East and Africa.
  • When booking hotels via booking.com, you get a discount of up to 10%. 
  • The credit card comes with Priceless Specials offers on various dining, spa, fitness, beauty and hotel expenses across the UAE.
  • While renting a car online through rentalcars.com, you get a 10% instant discount. 
  • You can also apply for free supplementary credit cards for your family and receive SMS alerts for all credit card purchases on your registered mobile number.
  • To ensure safe and secure transactions, the card comes with 2 levels of chip and pin security.  

CBD World MasterCard Credit Card

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

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • With the CBI Reward World credit card, you earn 2.5 reward points in the UAE dirham equivalent on each expense in foreign currencies.
  • With the World credit card, you get complimentary access to over 850 airport lounges via LoungeKey. The offer applies to supplementary credit cardholders too.
  • On spending of AED 2000 or above, you earn 1.75 reward points per AED one spent.
  • You also earn 1 reward point for all other retail expenses.
  • While signing up for the credit card, you can either opt for a joining bonus of 50,000 reward points or keep your credit card free for the first year.  
  • On booking a travel ticket, you automatically get enrolled for travel accident and inconvenience insurance.
  • While booking a round trip through Cleartrip, you get a 10% discount on international flights without any minimum purchase restrictions.
  • With the reward world credit card, you get access to Priceless Specials, through which you can avail of numerous discounts on dining, beauty, fitness, hotels and attractions.
  • As a part of your entertainment benefits, you get 100% cashback (up to AED 150) on 4 movie tickets.

Citi Emirates World Credit Card

Emirates Citibank World Credit Card

Airport Lounge Access
  • Minimum Salary AED 12,000
  • Annual Fee AED 400
  • Free for 1st year
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Special Discounts

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • As a part of your loyalty benefits, you get 1 Skyward Mile for each US dollar you spend using the credit card. 
  • Using the Emirates World credit card, you get complimentary access to over 1,000 airport lounges across the globe. 
  • The card also offers two movie tickets for the price of one ticket at Vox cinemas. 
  • With 50 free VoucherSkout credits, you can avail of up to 50% discount at over 500 outlets in the UAE. 
  • With Citi World Privileges, you can enjoy exclusive dining and entertainment discounts across 95 countries. 
  • To manage your finances effectively, you get easy instalment plans, instant cash loans and cash advances. 

Citi Rewards Credit Cards

Citibank Citi Rewards Credit Card

Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 300
  • Travel Insurance
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Free for 1st year

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • For every spending in USD equivalents, you earn up to 1.5 Thankyou reward points per USD one spent. 
  • Using the Citi Reward credit card, you get complimentary access to over 1,000 airport lounges across the globe. 
  • With this credit card, you get up to 50 free VoucherSkout credits. You can avail of up to 50% discount at over 500 outlets in the UAE using the VoucherSkout credits.
  • You can use your Thankyou rewards to book a hotel staycation in the UAE. 
  • You can easily manage your finances with features such as instant cash loans, easy instalment plans and cash advances.

Dubai Islamic Prime Infinite Credit Card

DIB Prime Infinite Credit Card
Free for life
  • Minimum Salary AED 50,000
  • Annual Fee AED 0
  • free for life
  • Balance Transfer
  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Travel Insurance
  • Purchase Protection
  • Roadside Assistance

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • For every expense using the Prime Infinite credit card, you earn 1 Wala’a reward for every AED 1 you spend locally or internationally. 
  • Using the DIB Prime Infinite credit card, you can enjoy up to 12 complimentary access to premium airport lounges worldwide.
  • With the Prime Infinite credit card, you get various lifestyle benefits like fine dining, entertainment offers, golf privileges and much more.  
  • Along with the lifestyle offers, you also get various travel benefits, including luxury hotel stays from Visa Offers, personalised global concierge service, and multi-trip travel insurance. 
  • The card also comes with purchase protection and an extended warranty to secure your purchases against damage and accidents.  
  • You can protect your outstanding balances during unforeseen events through Credit Shield credit card insurance.
  • Using the balance transfer facility, you can transfer outstanding balances of up to 80% of your credit limit. 
  • With the Prime Infinite credit card, you can avail of unlimited roadside assistance, including inter emirates towing and a free international driving license.

Emirates NBD Manchester United Credit Card

Emirates NBD Manchester United Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee AED 0
  • Rewards
  • Airport Lounge access
  • Golf Offers
  • Buy 1 Get 1 Free Offers
  • Hotels.com Discount
  • Lifestyle Protector Insurance

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • With the Manchester United credit card, you earn RED points on each domestic and international expense. 
  • Additionally, you earn up to 10 times more RED points on sports goods purchases and 5 times more RED points on all dining and restaurant expenses. 
  • With this credit card, you get free access to over ten premium airport lounges across the Middle East region.
  • The Manchester United credit card also offers attractive discounts on flight and hotel bookings with up to a 3% discount on flight tickets and 10% off on hotel bookings. 
  • Using the Manchester United credit card, you get up to 30% discount at over 2000 restaurants in the UAE. 
  • This credit card also gives exclusive access to Buy1Get1 Mastercard offers. 
  • To manage your finances conveniently, the Manchester United credit card comes with features like easy instalment plans, up to 55 interest-free days, instant cash facilities and much more. 

Emirates NBD Mastercard Titanium Credit Card

Emirates NBD Mastercard Titanium Credit Card
Airport Lounge Access
  • Minimum Salary AED 5,000
  • Annual Fee AED 400
  • Airport Lounge Access
  • Golf Benefits
  • Dining Benefits

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • With the Mastercard Titanium credit card, you earn 1 Plus point for every AED 100 you spend locally or internationally. 
  • Using the credit card, you can avail yourself of 10 VIP airport lounge access without any charges at the regional airports. 
  • As a part of your lifestyle expenses, the credit card offers up to a 40% discount at golf rounds worldwide. 
  • With Credit Shield pro protection you can secure your life and outstanding balances against an unforeseen event. 
  • With Mastercard Buy1Get1 offers, you can avail yourself of numerous lifestyle, entertainment and shopping discounts. 
  • For managing your finances efficiently, the credit card comes with features like instant cash withdrawals, flexible payment options and up to 55 interest-free days. 

FAB Abu Dhabi Titanium Credit Card

FAB Abu Dhabi Titanium Credit Card
Airport Lounge Access
  • Minimum Salary AED 5,000
  • Annual Fee AED 500
  • Airport Lounge Access
  • Special Discounts

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • Using the FAB Abu Dhabi Titanium credit card, you can receive up to 2.5 FAB rewards for every Dirham you spend locally or internationally.
  • Additionally, for all expenses in Abu Dhabi, you earn a 25% additional reward. 
  • With your FAB credit card, you can avail of free access to over 10 VIP airport lounges in the Middle East.
  • You can enjoy up to 15% discount on Avis car rental using your credit card.
  • Using the credit card, you can avail yourself of over 600 offers via Mastercard Buy1Get1 Offers across multiple countries. 
  • With the FAB Titanium credit card, you can enjoy a 10% discount on top brands when shopping through SHOP SMART. 

RAKBANK Air Arabia Platinum Credit Card

RAKBANK Air Arabia Platinum Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee AED 400
  • Airport Lounge Access
  • Dining Discounts
  • Airport Pick-Up / Drop

Features & Benefits of this Rewards Credit Cards with Airport Lounge Access

  • With the Air Arabia Platinum credit card, you can receive up to 1.5 AirReward points for every AED 5 you spend. 
  • As a part of your travel benefits, you can avail of unlimited airport lounge access across regional and international airports. 
  • Additionally, you get up to 6 free airport pick-up and drop facilities in each calendar year. 
  • For travel and hotel bookings through Cleartrip.ae, you can avail yourself of up to 30% discounts. 
  • Using this credit card, you can avail of up to a 10% discount on car rentals. 
  • With RAKfoodie offers, you can enjoy up to 30% discounts on dining bills at over 2000 restaurants in the UAE.

List of Points Rewards Credit Cards with Airport Lounge Access with Salary Requirement in UAE

Point Reward Credit Card with Airport Lounge Access

Requirement

ADCB Etihad Guest Signature Credit Card

  • An income requirement of AED 20,000 per month

ADCB Etihad Guest Infinite Credit Card

  • An income requirement of AED 40,000 per month

ADCB Travellers Credit Card

  • An income requirement of AED 20,000 per month

ADIB Booking.com Infinite Credit Card

  • An income requirement of AED 20,000 per month

ADIB Value Plus Credit Card

  • An income requirement of AED 8,000 per month

CBD Titanium Mastercard Credit Card

  • An income requirement of AED 5000 per month

CBD World Mastercard Credit Card

  • An income requirement of AED 30,000 per month

Citi Emirates World Credit Card

  • An income requirement of AED 12,000 per month

Citi Rewards Credit Cards

  • An income requirement of AED 8,000 per month

Dubai Islamic Prime Infinite Credit Card

  • An income requirement of AED 50,000 per month

Emirates NBD Manchester United Credit Card

  • An income requirement of AED 5,000 per month

Emirates NBD Mastercard Titanium Credit Card

  • An income requirement of AED 5,000 per month

FAB Abu Dhabi Titanium Credit Card

  • An income requirement of AED 5,000 per month

RAKBANK Air Arabia Platinum Credit Card

  • An income requirement of AED 5,000 per month

Eligibility Criteria to Apply for the Reward Credit Card with Airport Lounge Access

During the credit card application process, you need to ensure that you satisfy the eligibility criteria for your preferred credit card. Approval of your credit card is subject to your financial situation, residency, income and credit score. Each credit card comes with its own set of criteria. However, the following are the common requirements you need to fulfil when applying for the reward credit card. 

  • Income Criteria - While applying for a credit card in the UAE, you need to satisfy the monthly income requirement for your preferred credit card. Most reward credit cards in the UAE fall between the income range of AED 5,000 and 40,000. 
  • Age Requirements - To apply for a reward credit card with airport lounge access, you need to be at least 21 years old or above. A few banks also have an upper age limit of 65 years, which you need to verify during your application. 
  • Credit Score - While applying for a credit card, you need to ensure that you have a decent credit score. The financial institutions and banks check your creditworthiness before offering you a credit card. 
  • Residency - Most reward credit cards with airport lounge access are available only to UAE nationals and residents. However, an expat may contact the bank and furnish the relevant documents to apply for a credit card. The bank has the discretion to approve or reject your credit card application.

Documents Required for Points Rewards Credit Cards with Airport Lounge Access

Once you have verified your eligibility, you need to collect all the relevant documents as per the bank’s requirements and submit them with the application form. Following is the list of documents required during the credit card application. 

  • A valid passport ID in original and a copy for record and verification
  • A valid Emirates ID in original and a copy for UAE nationals and residents
  • Utility bill or lease agreement for address proof
  • Income certificate issued by your present employer or latest salary slips not older than a month
  • Latest bank account statement (not older than 3-6 months) 

Apart from the documents mentioned above, the bank may ask for additional documents, so you should keep all the relevant documents handy. 

How to apply for Points Rewards Credit Cards with Airport Lounge Access?

All the banks in the UAE accept credit card applications through online as well as offline modes. With an online application, you can compare and conveniently register for the reward credit card offering free airport lounge access. Below are the various ways to apply for a credit card in the UAE. 

  • Online Application - To apply online, you need to visit the official website of the bank or financial institution and navigate to the credit card section. After selecting the best reward credit card with airport lounge access, you need to tap on the ‘apply now’ button. Later, you will have to fill up an online application form for a credit card and submit it after verifying your details. After successful registration, the bank will contact you for the further application process.
  • Offline Application - For offline applications, you need to visit the bank in person with all the required documents. Later, you need to duly fill out the offline application form after consulting the credit card helpdesk. Once you have filled and verified your details, you need to submit your application along with the documents and proof.
  • Application through Phone - Several banks in the UAE accept credit card applications through phone calls. The banks may have a dedicated team or an IVR service, and you need to contact the bank on the contact number provided on the official website. 

Annual Charges on Points Rewards Credit Cards with Airport Lounge Access

Following is the list of annual charges on various reward credit cards offering airport lounge access in the UAE.

Type of Reward Credit Card

Annual Charges in AED

ADCB Etihad Guest Signature Credit Card

AED 1,050

ADCB Etihad Guest Infinite Credit Card

AED 26,25

ADCB Travellers Credit Card

AED 1,050

ADIB Booking.com Infinite Credit Card

AED 2,000

ADIB Value Plus Credit Card

No Annual Charges

CBD Titanium Mastercard Credit Card

No Annual Fee

CBD World Mastercard Credit Card

No Annual Fee for the first year. The fee to be waived off subject to an annual expenditure of AED 100,000 or above

Citi Emirates World Credit Card

Free for the first year

Citi Rewards Credit Cards

Free for the first year

Dubai Islamic Prime Infinite Credit Card

No Annual Charges

Emirates NBD Manchester United Credit Card

No Annual Charges

Emirates NBD Mastercard Titanium Credit Card

No Annual Charges

FAB Abu Dhabi Titanium Credit Card

No Annual Charges

RAKBANK Air Arabia Platinum Credit Card

AED 400

FAQ's on Points/Rewards Credit Card with Airport Lounge Access in UAE

How can I avail myself of free airport lounge access using my reward credit card?

Several reward credit cards in the UAE offer complimentary airport lounge access. To enjoy free access to the premium airport lounges around the world, you need to do a one-time registration at LoungeKey or similar providers. Once registered, you simply need to show your credit card at the lounge reception desk. To find the lounge access provider, you can contact your credit card issuer. 

Can I take an accompanying guest to the airport lounge without any extra charges?

Depending on the type of credit card, you may take an accompanying guest to the airport lounge without any additional charges. Most cards offer complimentary access only to the primary cardholders, and you need to verify with your card issuer before entering the lounge.

Do I need to pay charges for taking additional guests to the airport lounge with me?

If your card allows an accompanying guest, you won’t be charged extra for taking an additional guest. In other cases, you need to pay the regular lounge charges, which is roughly around 32 USD at major airports.

Which is the most affordable reward credit card with airport lounge access in the UAE?

Taking the monthly income, annual fees and other charges into account, the Emirates NBD Manchester United credit card and FAB Abu Dhabi Titanium credit card are the most affordable reward credit cards with free airport lounge access.

Can I apply for the reward credit card with airport lounge access with a monthly salary of AED 4,500?

To avail of a reward credit card with free airport lounge access, you need a minimum salary of AED 5,000 or above.

Atul Yadav
Atul Yadav

Atul has had a flair for writing ever since he started writing essays in school, which inspired him to subsequently opt for a career in writing. He loves to write about places he's been to (the list is endless) and financial products that can help people make a real change in planning their finances better.