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Rewards Points Credit Cards with Dining Offers in UAE

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Most Popular Credit Card in UAE

Banks and other financial institutions in the UAE offer a wide range of credit cards for their customers. All these credit cards are specialised in some or other category. For example, some enable cardmembers to earn a remarkable number of reward points, whereas some offer exciting deals and discounts on travel, dining, entertainment, lifestyle, shopping, and more. 

Some credit cards come with a combined package of various useful features and benefits. In this article, we will take you through a list of credit cards that let you earn reward points while availing of attractive deals on dining offers. Keep reading to find the best reward point credit cards with dining offers.

Best Reward Point Credit Cards with Dining Offers in UAE

Here are the types of reward point credit cards with dining offers in the UAE.

ADCB Etihad Guest Infinite Credit Card

ADCB Etihad Guest Infinite Credit Card is one of the best reward point credit cards with dining offers. With this credit card, the cardmembers can earn an exciting number of reward points while spending on lifestyle, dining, entertainment, travel and more.

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
  • Rewards

Reward Point Benefits for this ADCB Etihad Guest Infinite Dining Credit Card

  • Welcome Bonus: The credit card members can get 60,000 Etihad Guest Miles as a welcome bonus on paying the annual membership fee within 60 days from the card activation date. This is a one-time reward provided to the card members.
  • Etihad Guest Miles: The credit card members can earn an attractive number of guest miles on every USD spent on dining, shopping, entertainment, lifestyle and other activities. 

Purchase category

Etihad Guest Miles earned for every US Dollar spent

Domestic purchases

Up to 2 Etihad Guest Miles

International purchases

Up to 3 Etihad Guest Miles

Purchases with Etihad Airways

3 Etihad Guest Miles

  • Etihad Guest Miles Earn Rate: Here is the ADCB Etihad Guest Miles earn rate for different locations.

Location

Merchant Categories

Miles per USD 1 purchase

UAE

Fuel, Education, Government Service, Real Estate, Telecommunication, Charity, Transport

0.33 mile

Supermarkets, Auto Dealer, Insurance, Quick Service Restaurants (i.e. fast food restaurants)

0.50 mile

Europe

All Merchants

2 miles

  • Guest Miles Redemption: The credit card members can redeem the Etihad Guest Miles for ticket bookings, flight upgrades and more while travelling through the Etihad Airways network and its partners. 
  • Monthly Bonus: The credit card members can get a monthly bonus of 5,000 Etihad Guest Miles upon meeting the spending limit.
  • Etihad Tier Miles: The credit card members can earn 1 Etihad Tier Mile on each USD spent. The bank has capped these earnings at a maximum of 50,000 in a calendar year.

Dining Benefits for ADCB Etihad Guest Infinite Credit Card

  • Dining and Lifestyle Discounts: The credit card members can get an attractive discount of 40 percent at over 1400 restaurants in the UAE. In addition, they can get some exciting deals and discounts on travel, shopping, and entertainment.
  • Caribou Coffee Offers: The credit card members can get unlimited buy 1 get 1 offer at Caribou Coffee outlets in the UAE. 
  • Entertainer Offers: The credit card members can enjoy 2-for-1 offers at top restaurants, spas, fitness clubs, and entertainment centers in the Middle East region. The cardmembers need to download the ENTERTAINER mobile application (App) and register themselves on the same to avail of this offer. 
  • Yas Theme Parks Discounts: The credit card members can enjoy exciting deals and discounts on tickets, food, beverages, and more at Ferrari World Abu Dhabi, Clymb Abu Dhabi, World Abu Dhabi, Warner Bros, and Yas Waterworld.

Other Features & Benefits for ADCB Etihad Guest Infinite Credit Card

  • Airport Lounge Access: The credit card members can get free airport lounge access to over 1,000 airports worldwide.
  • Etihad Guest Gold Tier Membership: The credit card members are enrolled for Etihad Guest Gold Tier Membership where they can accrue 35,000 Tier Miles on shopping using the ADCB Etihad Guest Infinite Credit Card. The membership offers benefits like business class airport lounge access, baggage allowance, priority check-in, instant upgrades using miles, and more. To avail of these benefits, the cardmembers need to meet certain criteria.
  • Airport Chauffeur Rides with Careem: The credit card members can get four one-way airport transfers of up to AED 100 for free when booking their rides using this credit card.
  • Flight Upgrade Voucher: The credit card members can get up to four complimentary class upgrade vouchers that they can use to upgrade their flight tickets. 
  • Agoda Bookings Offers: The cardmembers can get up to a 12 percent discount on hotel bookings made using the Agoda site.
  • Hotel Collection Privileges: The credit card members can get exclusive deals and discounts at over 900 luxury hotels and resorts worldwide. Additionally, they can also enjoy benefits like free breakfast, free room Wi-Fi, automatic room upgrades, and more.
  • Car Rental Benefits: The credit card members can get an attractive 35 percent discount on car rentals booked online using the ADCB Etihad Guest Infinite Credit Card. 
  • Golf Access: The credit card members can get free golf access to various leading golf clubs including Arabian Ranches Golf Club Dubai, Meydan Golf Dubai, and Yas Links Golf Club Abu Dhabi for the entire year. 
  • Multi-Trip Travel Insurance: The credit card members get multi-trip travel insurance coverage along with personal accident insurance, emergency medical expenses cover, repatriation expenses cover, trip cancellation cover, baggage delay cover, and more.
  • Global Concierge Service: The credit card members can get full-time help and support for quick and easy restaurant bookings, travel arrangements, and more.
  • Online Banking: The credit card members can manage their credit cards using the bank’s online and mobile banking portals. This helps them keep track of their spending.
  • Interest-Free Days: Credit card members get an interest-free period of 55 days to easily pay off their bills while maintaining a good credit score.
  • Convenient Payment Options: The credit card members can pay a minimum 5 percent of their total outstanding balance in each billing cycle. They can carry forward the remaining amount to the next billing cycle. 
  • Auto-Debit Instructions: The credit card members can set up auto-debit transactions from their ADCB Current or Savings account for on-time recurring payments. 
  • Credit Card Loan: The credit card members can apply for a cash loan against the available credit limit. They can repay these loans in up to 48 monthly installments at lower interest rates.
  • Card Control: Credit card members can also get multiple card control features to manage their finances easily. With this benefit, they can set up daily and monthly spending limits, block ATM cash withdrawals, block unwanted transactions and more. 
  • Balance Transfers: The credit card members can consolidate and transfer their other credit card’s outstanding balance to the ADCB credit card. They can then convert this balance into monthly EMIs for convenient repayments.
  • EMI Payment Plans: The credit card members can convert their high-value purchases into monthly EMIs for easy repayments depending upon their financial preferences.
  • Credit Shield Insurance: The credit card members can get coverage for outstanding balance against any financial emergencies such as loss of income due to job loss, permanent disability, critical illness or death. 
  • Purchase Protection: The credit card members can get buyer’s coverage against theft, loss or damage caused to the products purchased through Etihad Guest Infinite Credit Card for up to 365 days from the date of purchase.
  • Extended Warranty: The credit card members get a one year additional warranty for the products bought using ADCB Etihad Guest Infinite Credit Card. With this benefit, the cardmembers can claim a maximum of USD 20,000 as an annual aggregate amount including USD 5,000 per incident.
  • Card Misuse Protection: Credit card members can get protection against fraudulent transactions made on the ADCB Etihad Guest Infinite Credit Card. The cardmembers can claim up to USD 5,000 as an annual aggregate amount including USD 3,000 per instance.

Commercial Bank of Dubai Visa Infinite Credit Card

Commercial Bank of Dubai Visa Infinite Credit Card is a useful reward point credit card with dining offers. With this credit card, the cardmembers can earn an attractive number of reward points on different types of spending.

CBD Visa Infinite Credit Card
Cashback
  • Minimum Salary AED 20,000
  • Annual Fee Free for the first year
  • Cashback
  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection

Reward Point Benefits for this CBD Visa Infinite Credit Card

  • Reward Points: Commercial Bank of Dubai Visa Infinite Credit Card enables cardmembers to earn reward points on every AED spent. The cardmembers need to spend a minimum of AED 5,000 per month to earn reward points.

Categories

Reward Points

Grocery Purchases

0.5 point per AED spent

Government Purchases

0.5 points per AED spent

Other Local Purchases

2.5 points per AED spent

Other International Purchases

3 points per AED spent

  • Reward Points Redemption: Commercial Bank of Dubai Visa Infinite Credit Card members can redeem their reward points for Etihad Guest Miles and Emirates Skywards Miles at the rate of 20 points for 1 mile.

Dining Benefits for CBD Visa Infinite Credit Card

  • DragonPass Offers: Commercial Bank of Dubai Visa Infinite Credit Card members can access DragonPass airport dining program called ‘Dine & Fly’.
  • Agoda Offers: Commercial Bank of Dubai Visa Infinite Credit Card members can get attractive deals and discounts on Agoda hotels and vacations.
  • Access to Pharaoh’s Wafi Club: Commercial Bank of Dubai Visa Infinite Credit Card members can get access to Pharaoh’s Wafi Club for free.

Other Features & Benefits for CBD Visa Infinite Credit Card

  • Golf Benefits: Commercial Bank of Dubai Visa Infinite Credit Card members can enjoy discounts at some selective golf courses around the world, including the 14 golf clubs in the UAE.
  • Cinema Offers: Commercial Bank of Dubai Visa Infinite Credit Card members can get up to 50 percent discount on booking movie tickets at VOX and Reel Cinemas in the UAE.
  • Free Valet Parking: Commercial Bank of Dubai Visa Infinite Credit Card members can enjoy up to 4 valet parking services for free in Dubai and Abu Dhabi.
  • Access to Airport Lounges: Commercial Bank of Dubai Visa Infinite Credit Card members can get up to 12 complimentary visits to more than 1,000 airport lounges across the globe through LoungeKey. The cardmembers can enjoy these benefits along with one guest. 
  • Careem Rides: Commercial Bank of Dubai Visa Infinite Credit Card members can get up to 20 percent off on the first three Careem rides every month. In addition, they can get up to 10 percent credit back on bike rentals with 50 percent off on 3 Careem Food & Shop orders.
  • Multi-Trip Travel Insurance: Commercial Bank of Dubai Visa Infinite Credit Card members can get a multi-trip travel insurance cover of up to USD 1,000,000 against the unexpected expenses incurred while traveling.
  • Concierge Services: Commercial Bank of Dubai Visa Infinite Credit Card members can avail of the full-time available Visa Premium Concierge Services.
  • Fraudulent Card Misuse Protection: Commercial Bank of Dubai Visa Infinite Credit Card members get a fraudulent card misuse protection against unauthorised transactions made on their credit card.
  • Hotel Offers: Commercial Bank of Dubai Visa Infinite Credit Card members can enjoy up to 8 percent discount on bookings made through hotels.com.
  • Visa Luxury Hotel Collection: Commercial Bank of Dubai Visa Infinite Credit Card members can get attractive deals and discounts at Visa luxury hotel collections.
  • Purchase Protection: Commercial Bank of Dubai Visa Infinite Credit Card members get purchase protection against loss, theft or damage caused to the products bought using the credit card for up to a year from the date of purchase.
  • Extended Warranty: Commercial Bank of Dubai Visa Infinite Credit Card members can get double the manufacturer’s warranty for the products bought using this credit card.
  • Emaar Entertainment: Commercial Bank of Dubai Visa Infinite Credit Card members can get up to 15 percent off at Emaar entertainment, including VR Theme Park, KidZania, Dig It Dubai, and Ekart.
  • Entertainer Offers: Commercial Bank of Dubai Visa Infinite Credit Card members can get exciting 2-for-1 ENTERTAINER offers along with more than 5,000 travel discounts with the Visa Offers MENA mobile app.
  • Anghami Plus: Commercial Bank of Dubai Visa Infinite Credit Card members can subscribe to Anghami Plus using this credit card and enjoy free services for the first four months of the first year.

Emirates Citibank Ultimate Credit Card

This Citibank credit card is one of the best reward point credit cards with dining deals and discounts. In addition, the credit card enables cardmembers to earn Skyward Miles on both local and international spending.

Citibank Emirates Ultimate Credit Card

Airport Lounge Access
  • Minimum Salary AED 18,000
  • Annual Fee AED 800
  • Golf Benefit
  • Airport Lounge Access
  • Movie Discounts
  • Dining Benefit
  • Special Discounts

Reward Point Benefits for Emirates Citibank Ultimate Credit Card

  • Earn Skyward Miles: The credit card enables cardmembers to earn an attractive number of Skyward Miles while spending on lifestyle, dining, entertainment, travel and other activities. 

Type of Spending

Skyward Miles

USD 1 on international spend

1.25 Skyward Miles

USD 1 on local spend

1 Skyward Mile

  • Skyward Miles Redemption: With this credit card, the cardholders can log in to their Skywards account and redeem the earned Skyward Miles in just a few clicks. They can also call the bank’s helpline at +971 600 555555 for quick redemption.

Dining Benefits for Emirates Citibank Ultimate Credit Card

  • Citi’s Dining Program: Emirates Citibank Ultimate Credit Card members can get up to a 20 per cent discount at some partner restaurants through Citi’s Dining Program.
  • Meet and Greet: Emirates Citibank Ultimate Credit Card members can get a free meet and greet service at Dubai International Airport using this credit card.
  • Citi World Privileges: Emirates Citibank Ultimate Credit Card members can get attractive deals and discounts on dining in over 95 countries worldwide.

Other Features and Benefits for Emirates Citibank Ultimate Credit Card

  • Airport Lounge Access: Emirates Citibank Ultimate Credit Card members can get access to over 1,000 prominent airport lounges worldwide.
  • Easy Instalment Plans: With an Emirates Citibank Ultimate Credit Card, the cardmembers can convert their high-value purchases into monthly instalments for easy repayments.
  • Movie Tickets: The credit card members can get a complimentary buy 1 get 1 movie ticket offer every month when booking their tickets using the Emirates Citibank Ultimate Credit Card at Reel and VOX cinemas.
  • Golf Benefits: The credit card members can enjoy complimentary golf benefits on weekdays and once on weekends at some leading golf courses.
  • VoucherSkout: The credit card members can get 150 free VoucherSkout credits worth AED 645 on signing up. In addition, the cardmembers can get up to 50 per cent discount on bills at over 500 outlets.
  • Cash Loan: With an Emirates Citibank Ultimate Credit Card, the cardmembers can get an instant cash loan by simply logging into the bank’s online banking portal.

Dubai Islamic Bank Prime Signature Credit Card

Dubai Islamic Bank Prime Signature Credit Card is one of the leading reward point credit cards with dining offers in the UAE. With this credit card, the cardmembers can earn an attractive number of reward points while spending on their daily needs.

DIB Prime Signature Credit Card
Free for life
  • Minimum Salary AED 25,000
  • Annual Fee Free for Life
  • free for life
  •  
  • Airport Lounge Access
  • Valet Parking
  • Balance Transfer
  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Travel Insurance
  • Purchase Protection
  • Roadside Assistance

Reward Point Benefits for DIB Prime Signature Credit Card

  • Wala’a Rewards Program: Dubai Islamic Bank Prime Signature Credit Card members can earn reward points through a program called Wala’a Rewards. The program enables card members to earn 3 reward points for every AED spent on flight tickets, hotel reservations, bill payments, retail purchases, and more. In addition, they can also earn 0.5 reward points for every AED spent on categories like education, telecom, petroleum, supermarkets and other bill payments.

Dining Benefits for DIB Prime Signature Credit Card

  • Visa Signature Privileges: Dubai Islamic Bank Prime Signature Credit Card members can get attractive deals on travel, dining, retail, entertainment and golf courses both locally and internationally. 

Other Features & Benefits for DIB Prime Signature Credit Card

  • Multi-Trip Travel Insurance: Dubai Islamic Bank Prime Signature Credit Card members can get multi-trip insurance coverage against events like lost/stolen baggage, emergency medical expenses, legal expenses, delayed flight departure, and more that might take place on local or international trips.
  • Luxury Hotel Collection Treats: Dubai Islamic Bank Prime Signature Credit Card members can also avail of luxury hotel benefits like free breakfast and internet, room upgrades, VIP treatment, late check-out time, price discounts, free food and beverage vouchers, and much more.
  • Free Valet Parking: Dubai Islamic Bank Prime Signature Credit Card members get two free valet parking services every month at some select areas in Abu Dhabi and Dubai.
  • Unlimited Roadside Assistance: Dubai Islamic Bank Prime Signature Credit Card members can enjoy free roadside assistance services such as towing service, flat tyre repairs, vehicle registration, fuel assistance, vehicle repairs, battery boosting, and much more.
  • Free Airport Lounge Access: Dubai Islamic Bank Prime Signature Credit Card members can enjoy unlimited free access to leading airport lounges worldwide.
  • Balance Transfer: Dubai Islamic Bank Prime Signature Credit Card members can consolidate and transfer their other credit card dues to the DIB credit card and repay the same in monthly installments.
  • Credit Shield Protection: Dubai Islamic Bank Prime Signature Credit Card members also get credit shield protection against loss of income due to unemployment, permanent disability or death. To avail of this service, they need to pay an additional fee of 0.89 percent of the outstanding balance.
  • Visa Signature Dedicated Website: Dubai Islamic Bank Prime Signature Credit Card members can enjoy special access to Visa Signature's dedicated website. On this website, they can get a detailed description of the bank’s products and services.

Emirates NBD Skywards Infinite Credit Card

Emirates NBD Skywards Infinite Credit Card enables cardmembers to earn an attractive number of Skyward Miles to redeem for future purchases. 

Emirates NBD Skywards Infinite Credit Card

Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1500
  • Airport Lounge Access
  • Valet Parking
  • Golf Benefits

Reward Points Benefits for Emirates NBD Skywards Infinite Credit Card

  • Welcome Bonus Miles: The credit card members can get a welcome bonus of up to 100,000 Skywards Miles.
  • Skyward Miles: The credit card members can earn exciting Skyward Miles on each USD spent. They can redeem these miles for flight ticket bookings with Emirates, flydubai and other select airlines. They can also utilise benefits like flight upgrades, Emirates hotel accommodation and more with these miles.

Category

Number of Miles

Emirates and Flydubai spends

2 Miles

Duty-free, online food delivery and car booking apps spend

2 Miles

International spends

1.5 Miles

Domestic spends

1 Mile

  • Emirates Skywards Silver Membership: The credit card members are already registered for Emirates Skywards Silver Membership, where they can enjoy benefits like business class check-in, excess checked baggage allowance, 25 per cent bonus Skywards Miles and more.
  • Rotana Rewards Exclusive Membership: The credit card members are also enrolled for a free first year Rotana Rewards Exclusive membership.

Dining Benefits for Emirates NBD Skywards Infinite Credit Card

  • Airport Dining Discount Program: The credit card members can enjoy various dining benefits with the airport dining discount program. They can get exciting deals and discounts at more than 200 restaurants worldwide. To avail of these benefits, they need to download the ‘DragonPass Dine & Travel’ mobile app and register on the same using their credit card.
  • Bon Appetit: The credit card members can get up to 30 per cent discount at more than 3,000 partner restaurants of Bon Appetit in the UAE. 

Other Benefits & Features for Emirates NBD Skywards Infinite Credit Card

  • Airport Transfers: The credit card members can enjoy discounted airport transfers with a 50 per cent discount on pick-up and drop-off with Careem when booked using this credit card.
  • Airport Lounge Access: The credit card members can get free access to over 1,000 leading airport lounges through LoungeKey. They can enjoy these benefits along with one guest. 
  • Death Cover: The credit card members can get a death cover of up to AED 300,000 to support their family members financially in the event of their unfortunate demise.
  • Medical Expenses: The credit card members can get their medical expenses reimbursed for up to AED 100 per day if they get hospitalised.
  • Concierge Desk: The credit card members are enrolled for global concierge services that offer benefits like six times submission of visitor visa at Dubai and Abu Dhabi airports, four airport transfers per year within the UAE, etc.
  • Golf Privileges: The credit card members can also enjoy free golf at five of the best golf courses in the UAE, including Yas Links Golf Club, Sharjah Golf & Shooting Club, The Track Meydan Golf Club and more. 
  • Job Loss Cover: Credit card members can also get a job loss cover of up to AED 60,000 to manage their finances in the event of unemployment. 
  • Medical and Travel Insurance: The credit card members can get medical and travel insurance benefits to pay for unexpected expenses incurred while traveling. The covered expenses include legal referral, interpreter referral, medical evaluation and repatriation, monitoring medical conditions, delivery of medicines, medical service provider referral, and more. 
  • Easy Instalment Plans: The credit card members can avail of easy instalment plans to convert their high-value purchases into easy 6 or 12-month installments at a zero percent interest rate.
  • Valet Parking: The credit card members can enjoy four free valet parking services at some partner shopping malls, including Yas Waterworld, Yas Mall, Khalidiya Mall and Ferrari World. 
  • Global Customer Support: The credit card members get global customer support services such as emergency card replacement, emergency payment authorisation, emergency cash, and more.
  • Utility Bill Payments: The credit card offers useful online methods for cardmembers to make utility bill payments, including Etisalat, Emirates Post, DEWA and more.
  • Balance Transfer: Credit card members can consolidate and transfer their other credit card dues to the DIB Credit Card and repay the same in monthly installments.
  • Purchase Protection: The credit card members get purchase protection against loss, theft or damage caused to the products bought using this credit card for up to a year from the date of purchase.
  • Extended Warranty: The credit card members can get double the manufacturer’s warranty for the products bought using this credit card.
  • Card Misuse Protection: Credit card members can get protection against fraudulent transactions made on their Emirates NBD Skywards Infinite Credit Card. The cardmembers can claim up to USD 5,000 as an annual aggregate amount including USD 3,000 per instance.
  • Full-time Help and Support: Credit card members can access full-time help and support services where they can find answers to their queries with great ease.
  • Multi-Trip Travel Insurance: The credit card members can get multi-trip travel insurance coverage along with personal accident insurance, emergency medical expenses cover, repatriation expenses cover, trip cancellation cover, baggage delay cover and more.
  • Auto Salik Top-Up: The credit card offers auto Salik top-up recharge option that helps in automatically recharging cardholders’ Salik account as soon as their balance reduces. 
  • Flexi Payment Options: The credit card members can make a minimum bill payment of 5 per cent of the total bill amount. They can carry forward the remaining outstanding balance to the next billing cycle.
  • Interest-Free Period: The credit card members can avail of an interest-free period of 55 days.
  • Roadside Assistance: The credit card members can avail of full-time available roadside assistance services such as battery boost, towing, fuel delivery and recovery services. 
  • SMS Notifications: The credit card members get notifications for every transaction made on their Emirates NBD Skywards Infinite Credit Card.
  • Online Banking: The credit card members can access and manage their credit card details through online and mobile banking services.
  • Instant Cash Withdrawal: The credit card members can make instant cash withdrawals of up to 50 per cent of their available credit limit if they need emergency funds.
  • Credit Shield Pro: The credit card members can get Credit Shield Pro coverage against their outstanding credit card bills in case of any unfortunate event such as loss of employment, critical illness, permanent or total disability, or death.

Eligibility Criteria to Apply for Reward Point Credit Cards with Dining Offers in UAE 

Here are the eligibility criteria the applicants need to meet when applying for a reward point credit card with dining offers in UAE.

Reward Point Credit Cards with Dining Offers

Eligibility Criteria

ADCB Etihad Guest Infinite Credit Card

  • The applicant’s age should be between 21 and 65 years.
  • The applicant must be a UAE resident.
  • The applicant must have a good credit score.
  • The applicant must have a minimum monthly income of AED 40,000.

Commercial Bank of Dubai Visa Infinite Credit Card

  • The applicant should be 21 years old or above.
  • The applicant must be a UAE resident.
  • The applicant must have a good credit score.

Emirates Citibank Ultimate Credit Card

  • The applicant should be 21 years old or above.
  • The applicant must be a UAE resident.
  • The applicant must have a good credit score.
  • The applicant must have a minimum monthly income of AED 18,000.

Dubai Islamic Bank Prime Signature Credit Card

  • The applicant should be 21 years old or above.
  • The applicant must be a UAE resident.
  • The applicant must have a good credit score.
  • The applicant must have a minimum monthly income of AED 25,000.

Emirates NBD Skywards Infinite Credit Card

  • The applicant should be 21 years old or above.
  • The applicant must be a UAE resident.
  • The applicant must have a good credit score.
  • The applicant must have a minimum monthly income of AED 30,000.

Credit Score - Policybazaar uae

Documents Required to Apply for Reward Point Credit Cards with Dining Offers in UAE

Here are the documents required to apply for a reward point credit card with dining offers.

  • A valid passport with a residency visa 
  • Emirates ID for all the applicants
  • Appointment Letter/Salary Certificate/Salary Transfer Letter that displays designation and annual income of the applicant
  • Bank statements for the last three months with the salary credit transaction
  • Trade License for business applicants
  • One of these documents for address verification – Utility Bill, Emirates ID, or Contract of Tenancy 

Fees & Charges on Reward Point Credit Cards with Dining Offers in UAE

Here are the fees and charges applicable on reward point credit cards with dining offers.

Reward Point Credit Cards with Dining Offers

Fees and Charges

Amount

ADCB Etihad Guest Infinite Credit Card

Annual Fee

AED 2,625

Finance Charges for Retail Purchases

3.25 percent per monthly

Finance Charges for Credit Card Loan/Balance Transfer/Instalment Plans

Up to 1.50 percent per month

Finance Charges for Cash Advance

3.50 percent per month

Over Limit Fee

AED 288.75

Late Payment Charges

AED 241.50 (in the case of the minimum due being paid by the due date)

Fee for Cash Advance

3.15 percent or AED 105 (whichever is higher)

Charges for a Duplicate Statement

AED 26.25

Fee for Card Replacement

AED 78.75

Fee for credit shield (optional)

1.0395 percent (of the outstanding amount at the billing cycle)

Fee for a temporary increase of the credit limit

AED 52.50

The margin for a transaction in foreign currency

2.99 percent

Sales Voucher Copy

AED 26.25

Charges for Liability/No Liability Letter

AED 52.50

Commercial Bank of Dubai Visa Infinite Credit Card

Annual Membership Fee

Free for the first year,

AED 787.50 from the second year onwards

Supplementary Cards

Free for Life

Retail Interest Rate

3.45 percent per month

Over Limit Charges

AED 288.75

Sales Slip Copy

AED 26.25

Replacement for Lost/Stolen Card

AED 78.75

Late Payment Charges

AED 241.50

Liability Letter Issuance

AED 52.50

International Transaction Charges

2.75 percent

Cash Advance Charges

AED 105 or 3 percent (whichever is greater)

Cash Advance Interest Rate

3.49 percent monthly

Credit Shield Insurance

1 percent monthly on the total outstanding balance

Emirates Citibank Ultimate Credit Card

Annual Membership Fee

AED 800

Interest rate per month

3.25 percent

Interest on cash per month

3.25 percent

Stopping Direct Debit Payment

AED 50

Card Replacement Charges

AED 50

Card Conversion Charges

AED 50

Insta Loan Processing Charges

AED 100

Lifestyle Protect Plus Charges

0.79 percent of the outstanding monthly balance

Cash Advance Charges

3 percent of the advance amount or AED 99 (whichever is higher)

Processing Fees For Personal Loan

1 percent of the total loan amount (minimum AED 500, maximum AED 2,500)

Sales Draft Copy Charges

AED 65

Credit Shield Plus Charges

0.82 percent of the outstanding monthly balance

Loan Cancellation Charges

AED 100

Loan Rescheduling Charges

AED 250

Dubai Islamic Bank Prime Signature Credit Card

Annual Membership Charges

No Fees

Cash Advance Charges

AED 94.50

Profit Rate on Salam

Up to 3.25 percent per month

Duplicate Statement Charges

AED 47.25

Card Replacement or Reissuance Charges

AED 52.50

Late Payment Charges

AED 236.25

Upgrade Charges

AED 288.75

Returned Cheque Fee

AED 105

Sales Voucher Copy

AED 26.25

Outstation Cheque Processing Fee

AED 52.50

Credit Shield Takaful Charges

0.94 percent

Liability Letter Issuance

AED 52.50

Profit Rate on Easy Payment Plan/Balance Transfer/Cash on card

A maximum of 3.15 percent per month

International Usage Charges (Non-AED)

2.26 percent

International Usage Charges (AED)

2.09 percent

Emirates NBD Skywards Infinite Credit Card

Annual Membership Fee

AED 1575

Cash Advance Fee

3.15 percent or AED 103.95 (whichever is higher)

Installment Payment Plan/Balance Conversion/Loan on Card/Balance Transfer/ALOC

0.29 percent - 1.99 percent flat monthly interest rate

Credit Shield Pro Insurance

1.04 percent per month of the credit card outstanding

Cancellation Fee: Instalment Plan/Balance Conversion/Loan on Card/Balance Transfer/ALOC/0 percent IPP

1.05 percent of principal outstanding

0 per cent Instalment Plan

AED 51.45 per transaction

Late Payment Fee

AED 241.50 per month

Card Replacement Fee: Go4it/Others

AED 52.50/AED 21

International Delivery Charge

per Credit Card

AED 157.50

Over Limit Fee

AED 292.95 per month

International Transaction Fee

1.99 percent

Paper Statement Fee

AED 5.25 per month

Cheque/Direct Debit Return Fee

AED 105

Duplicate Statement Fee (per copy) -

Up to last 3 Months/Over 3 Months

AED 15.75/AED 47.25 per month

Sales Voucher Copy

AED 10.50

discount offers - Policybazaar uae

How to Apply for Reward Point Credit Cards with Dining Offers?

Here are a few simple ways to apply for a reward point credit card with dining offers.

  • Bank’s Website - The applicants can visit the chosen bank’s website to apply for their preferred reward point credit card with dining offers. They need to fill out the online application form available on the website and submit it along with the required set of documents.
  • Bank’s Branch - The applicants with no access to the internet can visit the nearest bank’s branch and ask for the application form to apply for their desired reward point credit card with dining offers. They need to fill out the application form and provide all the essential documents while submitting the form.
  • Online Banking - The existing banking customers can log in to their bank’s online banking portal and apply for their preferred Dining credit card with rewards. These applicants also need to fill out the application form and submit the required documents with the same.
  • Mobile Banking - The existing banking customers can also log in to the bank’s mobile banking app, fill out the application form and apply for their chosen reward point credit card with dining offers. They need to provide all the documents while submitting the form.
  • Our Website - The applicants can also visit our website to learn about the features and benefits of all the reward point credit cards with dining offers. They can then choose a suitable credit card based on their financial preferences and apply for the same. They can contact our support team in case they have any queries. Our financial experts help the applicants apply for their chosen credit card in no time.
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