Rewards Points Credit Cards with Travel Insurance in UAE

By Ruchi Gohri
  | Published: 22 November 2021 | Last Updated On: 24 November 2021

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Travelling abroad is a key luxury that most people look forward to in today’s day and age. While your trip abroad is of course primarily for relaxation, and ensuring that you have a good family experience, it would be wise to make sure that no hassles are encountered in the process, whether legal or owing to international travel restrictions. Most importantly, health conditions might take a beating when on board the flight, or when exposed to unfamiliar climes. For these specific circumstances, we provide you with a comprehensive list of all the reward credit cards in the UAE which provide the option of travel insurance, that will keep your mind at ease during your next foreign trip.

Best Reward Points Credit Cards with Travel Insurance in 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 for This Reward Points Credit Card with Travel Insurance

  • Subscribers of this card shall be entitled to multi-trip travel insurance. This is ideal for professionals or individuals who are frequent flyers abroad, since they will be assured coverage of their medical conditions, side baggage as well as journey risks for the whole year.
  • In case of any accident happening to the person during international travel, they are insured for an amount of up to USD 500,000.
  • Conversely, if accidents take place during travels within the domestic sector in the UAE, a coverage of up to USD 100,000 shall be applicable.
  • The coverage shall provide a hospital allowance for the insured in liquid cash for an amount of USD 3000 per day.
  • In case complications due to weather or other adverse circumstances lead to a cancellation of the travel plans, this card shall entitle the holder to a curtailment refund of USD 7500. 
  • In case personal belongings are misplaced or stolen, the client will be provided a contingency fund of USD 2500.
  • This plan also provides coverage for situations where the passenger is inconvenienced due to delayed departure of flight, to an amount of USD 500.

Fees & Charges for This Reward Points Credit Card with Travel Insurance

Minimum Salary

AED 40,000

Rate

3.25%

Annual Fee

AED 2625

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15%, Min 105

FAB Signature Travel Card

FAB Signature Credit Card
Free for Life
  • Minimum Salary AED 15,000
  • Annual Fee Free for Life
  • Free for Life
  • Airport Lounge Access
  • Special Discounts
  • Golf Benefits
  • Valet Parking
  • Special Discounts

Features & Benefits for This Reward Points Credit Card with Travel Insurance

  • In case the person is travelling abroad, they may receive the benefits of the international medical and travel assistance. This is applicable to the person themselves as well as their family for a period of up to 90 days.
  • The services that are complementary include telephone advice regarding any emergency medical conditions, helping the client get in touch with a local medical practitioner, and so on.
  • The card may have a Travel Insurance benefit which will extend to the person seeking travel insurance, their spouse and their children. The benefits extend to purchasing hotel tickets, or travel tickets etc.
  • A travel voucher of AED 1000 can be claimed upon activation of the card, at the dedicated FAB Travel Portal.
  • In case of any accident occurring during the travel, a travel insurance to the extent of USD 1 million can be availed, on the condition that the travel tickets have been booked through the FAB Travel Card.
  • The card may also have purchase protection benefits, for any goods or commodities that are stolen or damaged, provided they have been purchased with this card. 

Fees & Charges for This Reward Points Credit Cards with Travel Insurance

Minimum Salary

AED 5000

Rate

3.75%

Annual Fee

AED 1000

Non AED Transaction Fee

Not applicable

Cash Advance Fee

3.15%/ Min 105

FAB Etihad Guest Signature Credit Card

FAB Etihad Guest Infinite Credit Card
Special Discounts
  • Minimum Salary AED 15,000
  • Annual Fee AED 1,500
  • Special Discounts

Features & Benefits for This Reward Credit Card with Travel Insurance

  • The travel insurance that is applicable to holders of this card extends to a maximum of USD 500,000, and it shall be applicable to the family of the cardholder, for trips which are a maximum of 90 days in duration.
  • Fraudulent misuse cover is provided on this card; if in case it falls into unknown hands. The allowance is USD 2500 per occurrence of such misplacement with a maximum cap of USD 4000 per annum.
  • The client may be eligible for international medical and travel assistance benefits in case the circumstances require the same.

Fees & Charges for This Reward Credit Cards with Travel Insurance

Minimum Salary

AED 15000

Rate

3.15%

Annual Fee

AED 1500

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15%/ Min 105

FAB Classic Credit Card

FAB Etihad Guest Infinite Credit Card
Special Discounts
  • Minimum Salary AED 15,000
  • Annual Fee AED 1,500
  • Special Discounts
  • Rewards Points

Features & Benefits for This Reward Credit Card with Travel Insurance

  • Since the Classic Credit Card is accepted globally, there is no need to worry about carrying cash when travelling abroad.
  • A text message will be dropped to the personal mobile number of the client, every time the card is used, even if it is outside the UAE, so that there is a constant monitoring of the expenses.
  • Complimentary international medical and travel assistance shall be provided on this Visa Classic Card.
  • This card comes with high credit limits, to allow seamless experience of the client during their international travels.

Fees & Charges for This Reward Credit Card with Travel Insurance

Minimum Salary

AED 5000

Rate

3.5%

Annual Fee

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15%, AED 105

FAB Elite Infinite Travel Card

FAB Elite Infinite Credit Card
Free for Life
  • Minimum Salary AED 50,000
  • Annual Fee Free for Life
  • Free for Life
  • Airport Lounge Access
  • Special Discounts
  • Reward Points

Features & Benefits for This Reward Credit Cards with Travel Insurance

  • The Elite Infinite Travel Card may be used abroad with no additional charges being levied on purchases made abroad (not applicable for currency conversion scenarios).
  •  If the FAB Infinite Travel Card is used to purchase travel tickets to locations abroad, free international medical and travel assistance shall be provided.
  • Continuing with the same condition, travel insurance for the case of accident shall be applicable up to a maximum of USD 1 million.

Fees & Charges for This Reward Points Credit Card with Travel Insurance

Minimum Salary

AED 50000

Rate

3.75%

Annual Fee

AED 2000

Non AED Transaction Fee

Not Applicable

Cash Advance Fee

3.15%/ Min AED 105

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
  • Rewards Card

Features & Benefits for This Points Reward Credit Cards with Travel Insurance

  • An incentive to purchase travel tickets through this card is being provided, by providing multi trip insurance to the client for local and international trips for a period of up to 90 days.
  • Protection against risk of fraudulent misuse of the card is provided on the card (at an amount of USD 3000 per occurrence and a maximum limit of USD 5000 annually).
  • If the client is interested in accessing their Mashreq Travel Insurance Certificate, they may write to MashreqCertificate@axa-gulf.com, along with personal details such as name, scanned copy of credit card. This will initiate the process whereby their travel insurance certificate shall be sent to them within a week.

Fees & Charges for This Points Reward Credit Cards with Travel Insurance

Minimum Salary

AED 25,000

Rate

3.45%

Annual Fee

AED 650

Non AED Transaction Fee

2.79%

Cash Advance Fee

3.15%, Min 210

Emirates NBD Visa Infinite Credit Card

Emirates NBD Visa Infinite Credit Card
Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1500
  • Airport Lounge Access
  • Golf Benefits
  • Valet Parking
  • Rewards

Features & Benefits for This Points Reward Credit Cards with Travel Insurance

  • Visa Infinite cardholders shall be entitled to complimentary travel insurance, on the condition that the travelling ticket has been purchased with the same card.
  • The client may avail of international medical and travel assistance in the course of their travels.
  • This card provides the holder with the option for multi-trip travel insurance, whereby the cardholder along with their immediate family shall be covered for all trips that they undertake up to a maximum of 90 days.
  • In case emergency situations arise during the travel, there is a provision for evacuation and repatriation expenses at a comfortable amount of USD 500,000.
  • In case of emergency hospitalization, a daily cash amount of USD 100 is payable.
  • Maximum age limit for all being covered under this card shall be 80 years.

Fees & Charges for This Points/Rewards Credit Cards with Travel Insurance

Minimum Salary

AED 50000

Rate

2.99%

Annual Fee

AED 1500

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00%/ Min 99

Emirates NBD U by Visa Emaar Infinite Credit Card

Emirates NBD  U By Emaar Visa Infinite Credit Card
Airport Lounge Access
  • Minimum Salary AED 30,000
  • Annual Fee AED 1,500
  • Airport Lounge Access
  • Valet Parking
  • Movie Tickets
  • Cashback
  • Dining Discounts

Features & Benefits for This Reward/Points Credit Cards with Travel Insurance

  • Protection of travel insurance coverage of up to USD 100000.
  • Discounts are available to the traveling clients at the hotels of the Emaar Group, if they are booked through the Emaar Hotels website.
  • Lounge access to over 1000 airports across the globe for the cardholder as well as an additional guest.
  • Protection is available for the belongings of the cardholder against theft or accidental damages. 

Fees & Charges for This Points/Reward Credit Card with Travel Insurance

Minimum Salary

AED 30000

Rate

3.09%

Annual Fee

AED 1500

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00%/ Min 99

Standard Chartered Shukran World Credit Card

Standard Chartered Shukran World Credit Card
Airport Lounge Access
  • Minimum Salary AED 25,000
  • Annual Fee AED 263
  • Airport Lounge Access
  • Travel Discounts
  • Cinema Offers
  • Travel insurance

Features & Benefits for Points/Rewards Credit Cards with Travel Insurance

  • This card offers you travel protection, with which you can be insured against losses of baggage, and delays in booked flights, or cancellations etc.
  • A confirmation letter of the travel insurance shall be duly provided to allay any doubts.
  • Lounge access can be availed by the client at over 900 airports across the world. 

Fees & Charges for This Reward/Points Credit Cards with Travel Insurance

Minimum Salary

AED 25000

Rate

3.45%

Annual Fee

AED 263

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15%/ Min 105

RAKBANK World Credit Card

RAKBANK World Credit Card
Free for Life
  • Minimum Salary AED 20,000
  • Annual Fee Free for life
  • Free for Life
  • Airport Lounge Access
  • Cinema Offers
  • Cashback
  • Airport pick-up and drop off service
  • Dining Offers
  • Travel Insurance

Features & Benefits for This Points/Rewards Credit Card with Travel Insurance

  • Annual multi-trip policies might be availed in case the client wishes to travel more than twice in the same year.
  • For customers travelling frequently to different areas such as the Schengen countries, or to other global destinations such as USA, or Japan, travel insurance features can be customized accordingly.
  • The travel inconvenience cover shall offer protection against delays in flights, emergency cancellations, or theft of personal belongings etc.
  • In case the individual is undertaking a one-time trip, they may seek a limited policy for that itself, starting at only AED 55.
  • All emergency requirements such as urgent cash requirement, document replacement, and all time concierge services are provided. 

Fees & Charges for This Points/Reward Credit Cards with Travel Insurance

Minimum Salary

AED 20,000

Rate

3.25%

Annual Fee

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00%/ Min 99

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Noor Bank Rewards World Credit Card

Features & Benefits for This Reward Credit Cards with Travel Insurance

  • In case of travel inconvenience, a travel medical insurance shall be provided with cover of up to USD 500,000.
  • Offers to avail luxury service apartments.
  • Pick up facility from the airport and drop off at the same, up to 12 times in a year.

 Fees & Charges for This Reward Credit Cards with Travel Insurance

Minimum Salary

AED 30,000

Rate

3.25%

Annual Fee

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00%/ Min 100

Eligibility Criteria for Rewards/Points Credit Card with Travel Insurance

The general eligibility requirement for credit cards in the UAE is that the applicant should have achieved a minimum age of 21 years. In addition to that, they may be required to furnish proof of their domestic residence in the UAE. Finally, a minimum salary requirement is also applicable, which has been mentioned in each of the ‘Fees and Charges’ tables attached to the banks respectively.

Documents Required for Rewards/Points Credit Card with Travel Insurance

Mentioned below is a generic list of documents that are required by most banks while applying for a credit card with travel insurance in the UAE:

  • Duly filled application form containing all relevant personal information.
  • Copy of international passport, attested.
  • Copy of original Emirates ID card.
  • Current salary certificate, or latest pay slip offered by employer.
  • Bank statement of the last 3 months.

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How to Apply for Rewards/Points Credit Card with Travel Insurance

The customer looking for a credit card explicitly with a travel insurance policy may use any of the traditional methods.

  • Online Banking portal: To avail a reward credit card with the travel insurance policy in the UAE, the client needs to first zero down on which bank suits them. Once they are clear about that, they may visit the respective banking portal, and place their request by duly filling the relevant forms.
  • Local bank branch: In case the customer is uncomfortable with online application services, they may visit the concerned bank’s branch for swift service. The relationship manager there will collect the details of the person, and guide them through the application process.
  • Our website: The client may visit our trusted website, so go to the Credit card section on our website. The site contains a host of information ranging from the types of travel insurance, to hospitals in UAE, and the relevant embassy contacts. They may use this as a guide to deciding their credit card with travel insurance.
Ruchi Gohri
Ruchi Gohri

Senior Content Writer | She has a penchant for writing and with over 5 years of experience, she plays around with words elegantly, crafting simple content for all to read. In her free time, she loves her couch either to read or catch on to her sleep.