Rewards Points Credit Cards with Balance Transfer in UAE

Credit card debt can be a nightmare, and it can take an eternity to clear off your outstanding balances. Individuals new to credit cards often make mistakes and end up paying a lot more interest than they should. To resolve this issue, banks and other financial institutions introduced balance transfer credit cards in the UAE. Using the feature, you can transfer your credit card outstanding balances to a different card and pay no or low-interest rates for an extended period. 

To level up their products, banks and card issuers usually customise credit cards with numerous services. Several financial institutions in the UAE offer reward credit cards with balance transfer features. Using these cards, you can earn reward points on each and every transaction, redeem them to avail of additional discounts and conveniently transfer your debts to enjoy lower repayment amounts. The article below sheds light on various reward credit cards offering balance transfer options and their features and benefits. 

Best Reward Credit Cards with Balance Transfer Facility in the UAE 

With over 200 different cards in the UAE, selecting the best credit card can be a cumbersome task. To ease your research, we at policybazaar.ae have compiled a list of top reward credit cards with balance transfer features in the UAE. 

ADCB Touchpoint Gold Credit Card

Features & Benefits for this Reward points Credit Card with Balance Transfer

• Along with 5,000 bonus Touchpoints on signup, you earn 0.5 Touchpoint rewards on every AED 1 spent locally or internationally. 
• You can avail of a 0% interest balance transfer for a tenure of 12 months if you register for a balance transfer within the first 3 months of acquiring the Touchpoint Gold credit card.  
• With this credit card, you get up to 55 interest-free days to pay off outstanding balances in full without any interest. 
• With the easy payment plans, you can make bigger purchases and convert them into installments for a tenure of up to 48 months. 
• You can secure your balances against unforeseen events such as death, loss of employment, and permanent disability with optional credit shield insurance. 
• This credit card also comes with a host of travel, lifestyle, entertainment, and shopping benefits. 

ADCB Touchpoint Platinum Credit Card

Features & Benefits for this Reward Credit Card with Balance Transfer

• On spending AED 10,000 every month, you get 10,000 bonus Touchpoints. Additionally, you earn 1 Touchpoint for every AED 1 you spend using the credit card. 
• If you transfer balances from another credit card within the first 3 months, you can avail of a 0% interest rate for a tenure of 12 months. 
• The card offers you an interest-free period of 55 days to pay off your outstanding balances in full. 
• To pay off your bigger purchases, you can use the installment payment plans with low-interest rates for a tenure of up to 48 months. 
• For all school fee payments, you can use the credit card and pay off the outstanding amount in 12 monthly instalments at a 0% interest rate. 
• To get protection against your outstanding balances from unfortunate events, you can use credit shield insurance. 
• The credit card also secures your purchases via extended warranty and purchase protection. 
• With the Touchpoint Platinum credit card, you can enjoy a host of lifestyle and entertainment benefits such as Buy1Get1 free offer on movie tickets, dining offers on Talabat and more. 
• The credit card also comes with a range of travel benefits such as airport lounge access, discount on hotel & flight tickets and car rental bookings. 

ADCB Touchpoint Infinite Credit Card

Features & Benefits for this Reward/Points Credit Card with Balance Transfer

• On spending AED 15,000 every month, you get 15,000 bonus Touchpoints. Additionally, you earn 1.5 Touchpoint for every AED 1 you spend using the credit card. 
• With the Touchpoint Infinite credit card, you can enjoy 0% interest on balance transfers. To avail of this offer, you need to apply for a balance transfer facility within the first 3 months. 
• Using the credit card, you can pay off school fees at a 0% interest rate for a tenure of up to 12 months. 
• With an interest-free period of 55 days, you can repay your outstanding balances without any interest. 
• You can convert your bigger purchases into easy installments for up to a tenure of 48 months. 
• With credit shield insurance, you can secure your outstanding balances against unforeseen events such as death, loss of employment, permanent disability and critical illnesses.  
• The Touchpoint Infinite credit card also comes with fraud protection to protect your card from misuse. 
• With this credit card, you also get numerous travel benefits like airport lounge access, discounted air tickets, and multi-trip travel insurance. 
• Along with various travel benefits, you also get a range of lifestyle privileges. The privileges include dining and cinema offers, access to golf rounds and much more. 

ADIB Edge Credit Card

Features & Benefits for this Points Reward Credit Card with Balance Transfer

• With an ADIB Edge credit card, you earn 2.5 reward points for every AED you spend locally or internationally. Additionally, you earn 0.25 reward points for spending at selected merchants. 
• Using the balance transfer feature, you can conveniently transfer outstanding balances with a phone call.
• With the Edge credit card, you can avail yourself of unlimited roadside assistance 24/7. 
• As a part of your lifestyle benefit, you can earn 10% cashback on all dining expenses in the UAE. 
• For securing your outstanding balances from unforeseen events, you get optional takaful protection. 
• As a part of your travel benefits, you get complimentary airport lounge access, multi-trip travel insurance, discounted air travel and a stay at a property from the Visa luxury hotel collection.
• To secure your purchases, the card comes with features like purchase protection and extended warranty. 
• Using the card, you can conveniently pay utility bills and manage your accounts online. 

ADIB Booking.com Signature Credit Card

Features & Benefits for this Points Reward Credit Card with Balance Transfer

• With an ADIB Booking Signature credit card, you earn 2 reward points for each AED you spend internationally. For local expenses, you earn 1 reward point per AED spent. 
• Using the Signature credit card, you can transfer your outstanding balances at a low interest rate. All you need to do is to call the bank on 600 543216.
• To provide protection against your outstanding balances during unforeseen events like death, loss of employment, critical illness or permanent disability, the card offers optional takaful protection. 
• As a part of your travel benefits, you get discounted flight tickets, up to a 10% discount on hotel bookings, unlimited airport lounge access and multi-trip travel insurance of up to USD 150,000.
• To secure your purchases, you get purchase protection of up to USD 6,000 and an extended warranty of up to 24 months on eligible items. 
• As a part of your lifestyle benefits, you enjoy up to 4 free valet parking in a month and exclusive dining discounts.  
• ADIB Booking Signature credit card offers up to 5% cashback on flight tickets, 4% on fuel expenses and 10% on hotel bookings.

ADIB Value Plus Credit Card

Features & Benefits for this Reward/Points Credit Card with Balance Transfer

• 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.
• Using the ADIB Value Plus credit card, you can transfer your outstanding balances from another credit card at low interest rates and get an extended repayment period. 
• You can conveniently redeem the ADIB reward points to avail of flight discounts anytime to any destination. 
• With this credit card, you can avail yourself of free access to premium airport lounges at regional and domestic airports.
• 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 and online utility bill payment, you also get up to a 100% cash advance limit. 

CBD Titanium Mastercard Credit Card

Features & Benefits for this Points Reward Credit Card with Balance Transfer

• Using the CBD Titanium credit card, you earn reward points for each dirham you spend.
• Get low interest rates on transferring your outstanding balances using the balance transfer facility. 
• When booking hotels via booking.com, you get a discount of up to 10%. 
• With the CBD Titanium credit card, you get access to 10 VIP airport lounges across the Middle East and Africa.
• 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 transactions, the card comes with 2 levels of chip and pin security.

Citi Prestige Credit Card

Features & Benefits for this Reward/Points Credit Card with Balance Transfer

• For every US dollar you spend internationally using the credit card, you earn 3 Thankyou points. For local expenses, you earn 2 points for each USD equivalent you spend. 
• With the Citi Prestige credit card, you can transfer outstanding balances from another credit card using the balance transfer facility and enjoy low interest rates and a repayment period of up to 48 months. 
• As a part of the travel benefits, you can enjoy unlimited airport lounge access across the globe and up to 4 complimentary nights for staycations worldwide. 
• As a part of your lifestyle benefit, you can enjoy unlimited access to golf rounds and Buy1Get1 offers on movie tickets. 
• With VoucherSkout offers on the credit card, you can avail of 50% discounts at over 500 outlets in the UAE. 

Citi Reward Credit Card

Features & Benefits for this Reward Points Credit Card with Balance Transfer

• For every US dollar spent internationally, you earn 1.5 Thankyou points. For local expenses, you earn 1 point for each USD equivalent you spend. 
• With the Citi Reward credit card, you can avail of a balance transfer facility at low interest rates and a repayment period of up to 48 months.
• Using the credit card, you can enjoy unlimited airport lounge access across the globe and exclusive offers on staycations and hotel stays worldwide. 
• As a part of your lifestyle benefit, you can enjoy unlimited access to golf rounds and Buy1Get1 offers on movie tickets. 
• With VoucherSkout credits on the credit card, you can avail of 50% discounts at over 500 outlets in the UAE.

Emirates NBD Manchester United Credit Card

Features & Benefits for this Reward Credit Card with Balance Transfer

• 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 the 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 3% discount on air 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 comes with exclusive access to MasterCard Buy1Get1 offers. 
• To manage your finances conveniently, the Manchester United credit card comes with features like easy installment plans, up to 55 interest-free days, instant cash facilities and much more. 

Mashreq Solitaire Credit Card

Features & Benefits for this Reward Points Credit Card with Balance Transfer

• With a Solitaire credit card, you can earn up to 6 Salaam points per AED on each international expense, 4 Salaam points on airline bookings and 2 Salaam points for every local expense.
• You can avail yourself of balance transfer for up to 75% of your credit limit with a maximum tenure of 36 months with fixed monthly instalments.
• With the credit card, you can enjoy free access to Fitness First.
• Using the Mashreq Solitaire credit card, you get complimentary airport lounge access at over 900 airports worldwide for both primary and secondary cardholders.
• As a part of the credit card privileges, you can avail yourself of 1 complimentary car registration (renewal) and 2 complimentary services.

List of Reward Credit Card with Balance Transfer with Salary Requirements

Eligibility Criteria for Reward Credit Cards with Balance Transfer

To apply for any credit card, you need to satisfy a few eligibility criteria. The bank lays down the requirements based on the applicant’s age, residency and monthly income. Each reward credit card has its own eligibility criteria depending on the offered credit limit and services. Following are the primary criteria, which you need to fulfil during the credit card application. 

• Age - You need to be at least 21 years old or above to apply for a reward credit card in the UAE. A few banks may also verify the upper age limit of 65 years; beyond which you can’t acquire a credit card in your name. 
• Monthly Income Requirements - Depending on the credit card type, you need to fulfil the monthly income requirements. A reward credit card with a balance transfer feature in the UAE has an income requirement between AED 5,000 and 50,000.
• Residency - While banks in the UAE offer selected credit cards only to UAE nationals and residents, an expatriate can also apply for a credit card subject to the submission of required documents. Before applying, the expats need to verify their eligibility with the bank. 
• credit Score - Before applying for a reward credit card offering balance transfer, you need to have a good credit score and history. With a decent score, you can conveniently acquire a credit card with a higher credit limit. 

Documents Required for Reward Credit Cards with Balance Transfer Feature in the UAE

The next step after verifying your eligibility is the collection of required documents. You need to produce documents to prove your identity, monthly salary, residency, etc. Following is the list of documents required for reward credit card applications. 

• A valid passport ID in original and a copy for record and verification (for expats)
• A valid Emirates ID in original and a copy for UAE nationals and residents
• Utility bill or lease/rent 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) 

You may have to submit additional documents for record and verification at the bank’s discretion. 

How to Apply for a Reward Credit Card with Balance Transfer Feature in the UAE?

To simplify the application process, banks and financial institutions in the UAE accept applications through various online and offline channels. While the online modes are quick and effortless, you can visit the bank in person to apply for reward credit cards offline. Following are the ways for a credit card application in the UAE. 

• Online Mode - For online applications, you need to log in to the official portal of the bank and scroll through to the credit card section. Compare and select the best reward credit card as per your financial requirements. Later, you need to fill an online application form and tap on the ‘Apply Now’ button. The bank will contact you for the subsequent application process.
• Offline Mode - To apply offline, you need to visit the nearest bank branch and choose the reward credit card that suits your needs. Later, you need to duly fill an offline credit card application form, attach the required documents and submit it to the bank staff. After approval, the bank dispatches your credit card to your registered address. 
• Application via Phone - The banks in the UAE offer applications through phone banking. They usually have a dedicated customer support team or an IVR service. To apply via phone, you need to reach out to the bank through the support number provided on the website and apply for the reward credit card by furnishing your contact and personal details. 

Annual Charges on Reward Credit Cards with Balance Transfer Facilities in the UAE

Each credit card has its own set of charges and fees. You can find the detailed fees on the issuing bank’s official portal. The list below displays annual charges on various reward credit cards with balance transfer facilities.  

The above charges are subject to the inclusion of a 5% VAT.  

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Frequently Asked Questions