Rewards Points Credit Cards with Life Insurance in UAE

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Banks in the UAE keep on enhancing their credit card products to offer customer-oriented services. Credit cards now come with a combination of multiple benefits, fulfilling various daily financial needs. Apart from providing short-term quick loans, credit cards also offer reward points as loyalty benefits and secure your purchases with features like purchase protection. Several banks in the UAE provide reward credit cards with complimentary life insurance to protect your life and outstanding balances. With these credit cards, you can get security against your card’s outstanding balance during unforeseen events such as death, permanent disability, involuntary loss of employment and critical illness. 

The reward credit cards with life insurance offer you peace of mind and reward points on every expense, which you can redeem later to avail yourself of attractive deals and discounts. With an easy application process and affordable fees, you can conveniently acquire these reward credit cards. The article below sheds light on the various features and benefits of reward credit cards with complimentary life insurance. 

Best Reward Credit Cards with Life Insurance Facility in the UAE

With over two hundred credit cards in the UAE, it becomes difficult to find the best reward credit cards offering life insurance. So, we at Policybazaar have assimilated a list of top credit cards with life insurance in the UAE. 

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

Features & Benefits of this Rewards Points Credit Card with Life Insurance 

  • With Etihad Guest Infinite credit card, you receive rewards on all purchases as mentioned below:
    • Up to 3 Miles on international spending
    • 2 Miles on local spending
    • 3 Miles on Etihad Flight bookings
    • Up to 0.5 Miles on utility bill payments
  • To protect you against your outstanding balances, the card offers an optional credit shield insurance policy for unforeseen events like:
    • Accidental and Natural Death
    • Critical Illnesses
    • Permanent total disabilities 
    • Involuntary loss of employment
  • When you apply for Credit shield insurance, you are automatically covered with a complimentary life insurance cover.
  • To get protection against fraudulent transactions, the card also offers fraud protection cover of up to USD 5,000 per year.
  • Additionally, you also get purchase protection for up to 365 days with a coverage amount of USD 20,000 annually. 
  • The card also offers an extended warranty of one additional year to secure your purchased items. 
  • With the ADCB Etihad Guest Infinite credit card, you enjoy a range of lifestyle, travel, entertainment and financial benefits. 

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

Features & Benefits of This Point Reward Credit Card with Life Insurance 

  • On every purchase with the credit card, you receive Etihad Guest Miles as given below - 
    • Up to 2 Etihad Guest Miles on international purchases
    • 2 Guest Miles on Etihad Flight bookings
    • 1.25 Guest Miles on each domestic purchase
    • Up to 0.5 Guest Miles on supermarket, dining and retail purchases
  • To provide protection against your outstanding balance, you can opt for credit shield insurance. It waives off your outstanding balance during events like - 
    • Death
    • Permanent disability
    • Critical illness
    • Involuntary loss of employment
  • While opting for credit shield insurance, you get a complimentary life cover including natural death. 
  • The ADCB Etihad Guest Signature credit card comes with purchase protection of up to 365 days and a coverage limit of USD 20,000 per year. 
  • On all eligible items, you get an extended warranty that doubles the warranty period of your purchased item.
  • To protect your credit card from fraudulent use, you get fraud protection of USD 4,000 per year. 
  • Along with security, the credit card comes with a host of travel, lifestyle, entertainment and shopping benefits.
  • For efficient financial management, the card offers various features such as interest-free days, low retail finance charges, cash advances and balance transfers.

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
  • Travel Insurance

Features & Benefits of This Points/Reward Credit Card with Life Insurance 

  • As an ADCB Touchpoint Infinite credit cardholder, you receive Touchpoint rewards on every expense as given below - 
    • Receive up to 1.5 Touchpoints on every AED 1 spent
    • Get 15,000 Touchpoints after spending AED 15,000 every month
  • For securing your outstanding balance and your life, the card offers credit shield insurance, which provides protection against events like cardholder’s death, permanent disability, involuntary loss of employment or critical illness. 
  • You also get a free life insurance cover, including natural death, while applying for credit shield insurance. 
  • As a part of your travel security, you get multi-trip travel insurance with coverage amounts as follows - 
    • Personal accident cover of up to USD 500,000
    • Emergency Medical cover of up to USD 1 million
    • Loss of personal belongings cover up to USD 2,500
    • Trip cancellation and curtailment cover up to USD 7,500
  • To secure your transactions from card misuse, the card offers fraud protection cover of up to USD 5,000 per year. 
  • With the Touchpoint credit card, you get various features such as 0% interest on school fees, cash advance facility, easy payment plans and more. 
  • Using the Touchpoint credit card, you enjoy a host of travel, entertainment, lifestyle and shopping benefits.

Emirates NBD Skywards Infinite Credit Card

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
  • Rewards

Features & Benefits of This Reward Point Credit Card with Life Insurance 

  • As loyalty benefits, you earn Skywards Miles on every credit card spending as given below - 
    • Get 2 Miles per USD on each spending at flydubai and Emirates bookings 
    • Receive 2 Miles on duty-free shopping, food delivery and car booking
    • Get 1.5 Miles on every international spending
    • Earn 1 Mile on domestic spending
  • For enhanced life security, you receive Credit Shield Pro insurance to protect you and your outstanding balances against unforeseen events. 
    • Get up to AED 300,000 on the cardholder’s death
    • Receive up to AED 60,000 for up to 12 months during involuntary job loss
    • Get permanent disability and critical illness cover of up to AED 100,000
    • During treatment, the card also covers daily hospitalisation expenses of up to AED 100
  • To secure your trips, the card also offers multi-trip travel insurance of up to USD 1 Million.
  • For securing your credit card purchases, you get purchase protection for up to 365 days. 
  • Using the credit card, you receive one additional year of warranty on your purchased item.
  • To secure you from card misuse, the credit card comes with a fraud protection feature with coverage of up to USD 5,000 per annum.
  • With the Skywards Infinite credit card, you get a host of travel, entertainment, lifestyle and shopping benefits. 
  • Using the card features such as interest-free days, easy payment plans, cash advance and balance transfer features, you can manage your finances efficiently.

Emirates NBD dnata World Credit Card

Emirates NBD dnata World Credit Card

Airport Lounge Access
  • Minimum Salary AED 25,000
  • Annual Fee AED 999
  • Airport Lounge Access
  • Valet Parking
  • Golf Benefits

Features & Benefits of This Point Reward Credit Card with Life Insurance 

  • As an Emirates NBD dnata World credit cardholder, you get dnata reward points on every credit card expense as mentioned below - 
    • Get 15% dnata reward points on Costa, Giraffe and city sightseeing
    • Earn 15% dnata reward points on dnata travel
    • Get 10% dnata reward points at MMI, duty-free shopping and Arabian Adventure
    • Get 2% reward points on all retail expense
  • With the Credit Shield Pro insurance, you get protection against the card outstanding balance in case of unforeseen events. The coverage amounts are as follows - 
    • Get up to AED 300,000 as death cover
    • Receive up to AED 60,000 for up to 12 months in case of involuntary job loss
    • Get up to AED 100 per day in case of hospitalisation
    • Receive up to AED 100,000 in case of critical illness and permanent disability 
  • Along with complimentary life insurance, you get free travel medical and inconvenience insurance for an amount up to USD 500,000 and a trip cancellation cover of up to USD 7,500. 
  • Using the credit card, you get over 2500 travel vouchers and a host of other travel, dining, lifestyle, entertainment and shopping benefits.
  • Manage your finances with credit card features such as easy payment plans, balance transfers, low finance rates and more. 

Emirates NBD Skywards Signature Credit Card

Emirates NBD Skywards Signature Credit Card
Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 700
  • Airport Lounge Access
  • Valet Parking
  • Golf Benefits

Features & Benefits of This Reward Point Credit Card with Life Insurance 

  • Using Emirates NBD Skywards Signature credit card, you receive Skywards Miles on each expense made in USD equivalents as mentioned below - 
    • Get 1.5 Miles on flydubai and Emirates flight bookings
    • Get 1.5 Miles on duty-free shopping, online food delivery and car booking app
    • Receive up to 1.5 Miles on each international expense and 0.75 Miles on domestic spending
  • To secure your credit card balances and your life, you get an enhanced Credit Shield Pro insurance against unforeseen events with coverage amounts as mentioned below - 
    • Up to AED 300,000 on the cardholder’s death
    • Up to AED 100,000 in case of critical illness or permanent disability 
    • Get up to AED 100 per day for hospitalisation expenses
    • Receive a total of up to AED 60,000 for 12 months in the case of involuntary job loss
  • As a part of your travel benefit, you get worldwide medical and travel assistance. 
  • With this credit card, you also get multi-trip travel insurance to protect your trips for up to 90 days with a coverage amount of up to USD 500,000.
  • You can secure your purchased items with purchase protection for a period of up to 365 days.
  • The card also offers extended warranty on eligible items that double its warranty period. 
  • To secure your credit card from fraudulent use, you get fraud protection of up to USD 4,000 per annum. 
  • The Skywards Signature credit card also accompanies numerous lifestyle, travel, entertainment and shopping benefits. 
  • To manage your finances efficiently, you can avail yourself of various credit card features such as balance transfers, interest-free days, easy payment plans, and instant cash withdrawal. 

Emirates NBD Dnata Platinum Credit Card

Emirates NBD dnata Platinum Credit Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 500
  • Airport Lounge Access
  • Dining Discounts
  • Special Discounts

Features & Benefits of This Reward Point Credit Card with Life Insurance 

  • With every transaction using the Emirates NBD dnata Platinum credit card, you receive dnata reward points as mentioned below - 
    • Earn 15% dnata rewards at Costa, City Sightseeing and Giraffe
    • Receive 10% rewards at dnata travels, Arabian Adventures, Le Clos, and MMI
    • Get 5% dnata rewards on duty-free shopping
  • To secure your credit card balances, you can opt for optional Credit Shield Pro insurance against unforeseen events. The coverage amounts are as follows - 
    • Receive up to AED 300,000 as deceased coverage. 
    • Get a total of up to AED 60,000 for 12 months in the case of job loss. 
    • Get up to AED 100 per day during hospitalisation. 
    • Receive up to AED 100,000 in case of critical illness or permanent disability. 
  • For security against fraudulent credit card use, you get fraud protection of up to USD 2,000 every year.
  • For securing your purchases against damages and fraud, you get purchase protection for up to 180 days with an annual coverage amount of USD 5,000.
  • Along with various security features, you get a host of travel, lifestyle, entertainment and shopping benefits. 
  • Conveniently manage your funds with various features like balance transfers, instant cash withdrawal, low finance rates, easy instalment plans and more. 

DIB 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 Reward Point Credit Card with Life Insurance 

  • With Dubai Prime Infinite credit card, you get Wala’a rewards on every purchase as given below - 
    • Receive 1 Wala’a reward point per AED on each local and international purchase
    • Get 0.5 Wala’a reward points per AED on every utility bill payment, petroleum expenses and school fees
  • As a cardholder, you can secure yourself and your outstanding balances with credit shield insurance against unfortunate events. Following are the coverage amounts for various events - 
    • Get up to AED 200,000 in case of permanent disability. 
    • Receive AED 200,000 in case of the cardholder’s death. 
    • Get up to AED 30,000 in the case of involuntary loss of employment. 
  • To secure your travel, you get complimentary multi-trip travel insurance for up to 90 days with a maximum coverage amount of USD 1 million.
  • For securing your purchased items against failures, fraud and damages, you get purchase protection for up to 90 days. 
  • On eligible items, you get an extended warranty that double the manufacturer’s warranty. 
  • Along with security benefits, you get a range of shopping, travel, lifestyle and entertainment benefits. 
  • Easily manage your finances with a balance transfer facility, up to 80% cash advance limits and low finance rates. 

DIB Prime Platinum Credit Card

DIB Prime Platinum Credit Card
Free for life
  • Minimum Salary AED 15,000
  • Annual Fee Free for Life
  • Balance Transfer
  • Roadside Assistance
  • Credit Shield Takaful

Features & Benefits of This Point Reward Credit Card with Life Insurance 

  • Using the DIB Prime Platinum credit card, you get Wala’a reward points per AED spent on every expense as given below - 
    • Earn 2.5 Wala’a reward points on every local and international spending
    • Get 0.5 Wala’a reward points on petroleum expenses, school fees and utility bill payment
  • With credit shield insurance, you can secure yourself and card’s outstanding balance in case of unforeseen events. The coverage amount for various events are as follows
    • Up to AED 30,000 in case of involuntary loss of employment
    • Up to AED 200,000 in case of permanent disability
    • Up to AED 200,000 in case of the cardholder’s death
  • For items purchased using the credit card, you get purchase protection for up to 60 days with a coverage limit of USD 3000 per occurrence. 
  • The credit card also secures you with personal accident cover of up to AED 100,000 including travel inconvenience cover. 
  • You can avail of unlimited roadside assistance with the DIB Prime Platinum credit card. 
  • Along with security features, the credit card also comes with a range of travel, lifestyle, entertainment, and shopping benefits. 
  • Manage your expenses and finances conveniently with easy installment plans, up to 80% cash withdrawal limit, low retail finance rates and much more. 

List of Rewards Credit Cards offering the Life Insurance with Salary Requirements

Name of Reward Credit Cards with Life Insurance

Salary Requirements

ADCB Etihad Guest Infinite Credit Card

  • Minimum income of AED 40,000

ADCB Etihad Guest Signature Credit card

  • Minimum income of AED 20,000

ADCB Touchpoint Infinite Credit Card

  • Minimum income of AED 40,000

Emirates NBD Skywards Infinite Credit Card 

  • Minimum income of AED 30,000

Emirates NBD dnata World Credit Card

  • Minimum income of AED 25,000

Emirates NBD Skywards Signature Credit Card

  • Minimum income of AED 15,000

Emirates NBD dnata Platinum Credit Card

  • Minimum income of AED 8,000

DIB Prime Infinite Credit Card

  • Minimum income of AED 20,000

DIB Prime Platinum Credit Card

  • Minimum income of AED 5,000

Eligibility Criteria to Apply for Reward Credit Cards with Life Insurance in the UAE

Before proceeding with a credit card application, you need to ensure your eligibility as per the bank’s requirements. Each reward credit card comes with its own criteria and you need to fulfil those requirements during the application. The common eligibility criteria for reward credit cards are as follows – 

  • Age - While applying for a reward credit card, you need to ensure that you are above 21 years of age. Several banks also set an upper age limit of 60-65 years, depending on their terms and conditions. 
  • Income Criteria - For reward credit cards with life insurance, the income criteria fall between AED 5,000 and 50,000. Before applying for the credit card, you need to fulfil the income requirement as per your preferred credit card.  
  • Residency/Nationality - Several banks issue reward credit cards to UAE nationals/residents and expatriates. However, there are a few credit cards only available to nationals. So, during the application, you need to submit your nationality proof. 
  • Credit Score - A credit card is a quick loan financial tool, so the bank checks your creditworthiness with your credit score. A healthy credit score can allow you to have a credit card with a higher credit limit. 

Documents Required for Reward Credit Cards with Life Insurance in the UAE

Once you have verified your eligibility, you need to submit all the relevant documents regarding your identity, residence proof, income and more. According to banks, the documentation varies from case to case and you may need to submit additional documents. The documents common for every applicant are as follows -

  • An original passport and a copy for record and verification
  • A valid Emirates ID for UAE nationals and residents
  • Utility bills, rent or lease agreement for the proof of residence
  • Bank account statement of the last 6 months
  • Income certificate or latest salary slip issued by the present employer (not older than a month)

How to Apply for Reward Points Credit Cards with Life Insurance in the UAE?

Credit card applications in the UAE are streamlined and hassle-free. The banks accept credit card applications via numerous online and offline channels. With online applications, you don’t need to visit the bank physically, reducing your efforts and time. You can follow the below-mentioned methods to apply for a reward credit card with complimentary life insurance. 

  • Online Applications - You need to visit the bank’s official website in order to apply online. Later, you need to scroll through the credit card section and choose the best reward credit card with life insurance that suits your needs. Once selected, enter the details in the online application form and click on the ‘Apply Now’ button. The bank will reach out to you for the further application process.
  • Offline Applications - For offline applications, you need to visit the nearest bank branch with all the relevant documents and fill in the offline application form. After entering all the details, you need to submit the application form and attach the required documents. After approval, you will receive your credit card at your registered address within 2-5 business days. 
  • Phone Banking - To further ease out the application process, the banks accept credit card applications through IVR services and phone calls. You can dial the customer support contact number anytime and apply for your reward credit card offering life insurance. 

Annual Charges on Reward Credit Cards with Life Insurance in the UAE

The following is the rundown of annual charges on various reward credit cards with life insurance in the UAE.

Name of Reward Credit Card

Annual Charges in AED

ADCB Etihad Guest Infinite Credit Card

AED 2,625

ADCB Etihad Guest Signature Credit card

AED 1,050

ADCB Touchpoint Infinite Credit Card

No annual fee

Emirates NBD Skywards Infinite Credit Card 

AED 1,500

Emirates NBD dnata World Credit Card

AED 999

Emirates NBD Skywards Signature Credit Card

AED 700

Emirates NBD dnata Platinum Credit Card

AED 500

DIB Prime Infinite Credit Card

No Annual Fee

DIB Prime Platinum Credit Card

No Annual Fee

Rewards Credit Cards With Other Facility in UAE

Rewards Credit Card in UAE
Rewards Points Credit Cards with Air Miles in UAE

Rewards Points Credit Cards with Airport Lounge Access in UAE

Rewards Points Credit Cards with Cinema Tickets Offers in UAE

Rewards Points Credit Cards with Balance Transfer in UAE

Rewards Points Credit Cards with Roadside Assistance in UAE

Rewards Points Credit Cards with Purchase Protection in UAE

Rewards Points Credit Cards with Car Registration in UAE

Rewards Points Credit Cards with Valet Parking in UAE

Rewards Points Credit Cards with Emirates Skywards in UAE

 

Frequently Asked Questions

How can I avail myself of life insurance using my reward credit card?

The banks in the UAE come with various credit cards that offer complimentary life insurance and secure your outstanding balances during an unforeseen event. To avail of life insurance, also known as credit shield insurance/takaful, you need to visit your card issuer and apply for the same. Most credit cards automatically secure your outstanding balance when you sign up for them.

Do I need to pay a premium for credit shield insurance with my reward credit card?

Yes, the banks or your credit card issuer charge a nominal fee based on your outstanding amount. You may need to pay anywhere between 0.7% to 0.99% as an insurance premium to avail of complimentary life insurance with your reward credit card.

What are the inclusions of Credit Shield insurance?

The Credit Shield insurance covers the following unforeseen events - 

  • Cardholder’s death (primary and secondary)
  • Involuntary loss of employment
  • Critical illnesses
  • Permanent disability
Can I opt myself out of the credit shield and complimentary life insurance?

Yes, you can choose to discontinue the credit shield and life insurance feature. To do so, you need to reach out to the bank via the customer support number mentioned on the website or use the IVR service.

Which are the best reward credit cards with complimentary life insurance in the UAE?

Considering the security benefits, ADCB Skywards Infinite and Emirates NBD Skywards Infinite credit cards are the best reward credit cards with complimentary life insurance in the UAE.

Which are the most affordable reward credit cards with life insurance in the UAE?

Taking the annual charges, salary requirements and other fees into consideration, DIB Prime Platinum and Emirates NBD Dnata Platinum credit cards are the most affordable.

How much salary do I need to apply for a reward credit card offering complimentary life insurance?

In order to apply for a reward credit card with life insurance, you need to have a minimum salary of AED 5,000 or more.

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.