Rewards Points Credit Cards with Balance Transfer in UAE

By Atul Yadav
  | Published: 25 November 2021

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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

ADCB Touchpoints Gold Credit Card
Free for Life
  • Minimum Salary NA
  • Annual Fee AED Free for Life
  • Free for Life
  • Movie Discounts
  • Dining Discounts
  • Golf Benefits
  • Balance Transfer

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

ADCB Touchpoints Platinum Credit Card
Free for Life
  • Minimum Salary AED 15,000
  • Annual Fee AED 0
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Golf Benefits
  • Balance Transfer

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

ADCB Touchpoints Infinite Credit Card
Airport Lounge Access
  • Minimum Salary AED 40,000
  • Annual Fee AED 1,050
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Travel Discounts
  • Hotel Discounts
  • Balance Transfer

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

ADIB Edge Card
Free for life
  • Minimum Salary AED 30,000
  • Annual Fee AED 750
  • Valet Parking
  • Golf Benefits
  • Airport Lounge Access
  • Balance Transfer

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

ADIB Booking.com Signature Card
Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 299
  • Free for 1st year
  • Valet Parking
  • Dining Discounts
  • Valet Parking
  • Balance Transfer

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

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

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

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
  • Balance Transfer

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

Citibank Citi Prestige Credit Card

Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1,500
  • Travel Insurance
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Golf Benefits
  • Airport Meet & Greet
  • Purchase Protection & Extended Warranty
  • Balance Transfer

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

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
  • Balance Transfer

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

Mashreq Solitaire Card
Airport Lounge Access
  • Minimum Salary AED 25,000
  • Annual Fee AED 1,500
  • Free for 1st year
  • Airport Lounge Access
  • Valet Parking
  • Golf Benefits
Reward Value: AED 25,406

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

Reward Credit Card with Balance Transfer 

Salary Requirements

ADCB Touchpoint Gold Credit Card

  • AED 5,000

ADCB Touchpoint Platinum Credit Card

  • AED 15,000

ADCB Touchpoint Infinite Credit Card

  • AED 40,000

ADIB Edge Credit Card

  • AED 15,000

ADIB Booking.com Signature Credit Card

  • AED 12,000

ADIB Value Plus Credit Card

  • AED 8,000

CBD Titanium MasterCard Credit Card

  • AED 5,000 

Citi Prestige Credit Card

  • AED 30,000

Citi Reward Credit Card

  • AED 8,000

Emirates NBD Manchester United Credit Card

  • AED 5,000

Mashreq Solitaire Credit Card

  • AED 25,000

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.  

Reward Credit Card with Balance Transfer

Annual Charges in AED

ADCB Touchpoint Gold Credit Card

No Annual Fee

ADCB Touchpoint Platinum Credit Card

No Annual Fee

ADCB Touchpoint Infinite Credit Card

No Annual Fee

ADIB Edge Credit Card

AED 750

ADIB Booking.com Signature Credit Card

AED 299

ADIB Value Plus Credit Card

No Annual Fee

CBD Titanium MasterCard Credit Card

No Annual Fee

Citi Prestige Credit Card

AED 1,500

Citi Reward Credit Card

No Annual Fee

Emirates NBD Manchester United Credit Card

No Annual Fee

Mashreq Solitaire Credit Card

AED 650

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

Frequently Asked Questions

What is a balance transfer feature on credit cards?

The balance transfer feature helps in managing bigger debts by transferring outstanding balances to a different credit card. With a balance transfer facility, you can avail of low interest rates and an extended repayment period. 

How can I use my reward credit card for transferring my outstanding balances?

In order to transfer your outstanding balance, you need to contact your credit card issuer using the contact number provided on their official portal and book the outstanding amount for the balance transfer. Several banks also offer SMS services for balance transfer applications and you simply need to text on the contact number provided. While doing so, you need to ensure that you satisfy the bank’s criteria for transferring outstanding balances from your credit card to another credit card.

Which reward credit card offers 0% interest rates on balance transfers?

ADCB Touchpoint credit cards offer 0% interest rates on balance transfers; however, you need to register for transferring balances within the first 3 months of acquiring the Touchpoint (Gold/Platinum/Infinite) credit cards.

Which is the most affordable reward credit card with the balance transfer feature?

Considering the annual charges and income requirements, ADCB Touchpoint Gold, Emirates NBD Manchester United and CBD Titanium credit cards are the most affordable.

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.