Top 5 Metals Credit Cards in UAE for 2024

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  • Cashback up to AED 2,000
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Most Popular Credit Card in UAE

The term metal credit card may seem like something very new and unfamiliar at first glance but it is actually something that most of us are already familiar with. All of us who have been using credit cards in UAE for a while now must have heard of the exclusive American Express “black card”. This luxury credit card, formally known as American Express Titanium Centurion Card, is evidently the very first metal card that started the whole concept in 1999. 

Cashback Back & Free Airport Lounge Access - Policybazaar uae

Metal cards have been changing the scope of banking in UAE now and have become an active part of the economy. A metal credit card is simply credit cards that are made using metals instead of plastic like the most credit and debit cards available out there. The choice of material makes them heavier as compared to the basic cards that we know of and even flashier in most cases. You can easily find metal credit cards in UAE that are made of brushed stainless steel, copper, gold, brass, or even palladium. Some luxury metal credit cards from around the world also have diamonds studded in them for an even luxurious look. On the other hand, designs with a little bit of both steel and metal are also available in the market.

Best Metal Credit Cards in UAE

Needless to say, there are several options you can find in the market when it comes to metal credit cards in UAE. However, to make your research job a bit easier, we have picked and lined up our top picks for metal cards in UAE accompanied with their most attractive benefits and features:

Platinum Card from American Express

Available in a beautiful chrome finish, the American Express Platinum Card is the very first in the list of our top 5 picks. The features a beautiful metallic body, finish and look. The card comes with a long list of benefits including purchasing rewards and exclusive privileges. Platinum Card from American Express comes with an annual fee of AED 2.700. The following are the top features of the American Express Platinum Credit Card in UAE:

American Express Platinum Card
Airport Lounge Access
  • Minimum Salary AED 21,300
  • Annual Fee AED 700
  • Airport Lounge Access
  • Travel Insurance
Reward Value: NA

Features and Benefits

  • 1 membership reward on every 4 Dhirams spent
  • Annual Travel Credit of AED 1,100 on each renewal every year 
  • Complementary excess to almost 1200 airport lounges worldwide with Priority Pass (and two other lounge programs) both for you and supplementary members of the Platinum card
  • Global services of WiFi with Boingo in hotels, airports, and many other locations
  • Exclusive deals on international lines like Etihad, Emirates, and British Airways
  • Car Rental and Cruise Privileges
  • Complimentary travel, rental, purchase protection, and refund protection insurance 
  • Platinum Concierge Service for all basic members
  • Up to 5 free supplementary cards for your loved ones
  • Available for all 21+ old UAE residents and nationals with AED 367,300 annual income or more than 2 years old business

HSBC Black Credit Card

A metal credit card designed to woo the minimalist inside of you, the HSBC Black Credit Card matches the name with a sleek black finish and silver detailing on the design front. Black Credit Card from HSBC comes with unseen travel and lifestyle benefits along with one of the best members’ loyalty programs. The annual fee of this card is AED 1,575 and you either must have a Premier account with HSBC or a monthly income of AED 50,000. The following are the top features and benefits of HSBC Black Credit Card in UAE:

HSBC Black Credit Card 
Airport Lounge Access
  • Minimum Salary AED 15,000
  • Annual Fee AED 1,500
  • Airport Lounge Access
  • Golf Benefits
  • Movie Discounts
Reward Value: AED 14,883

Features and Benefits:

  • Air Miles rewards point program that will have you earn 1-2.5 Air Miles on every AED you spend on travel and online shopping as well as purchases made with foreign currency. 
  • Access to over 1000 airport lounges across the world in partnership with LoungeKey
  • Up to 20% discount of roundtrips booked via Cleartrip, Expedia, Agoda, and British Airways
  • Additional discounts on hotels and villa bookings
  • Up to 30% off on several UAE restaurants and eateries. 
  • Access to an international concierge on every trip
  • 20% off and free chauffeur rides with Careem
  • Complimentary golf sessions
  • Travel inconvenience, travel medical, and rental insurance 
  • Supplementary cards for family and friends.

ADCB Betaqti Credit Card 

One of UAE’s own, the Betaqti Credit Card from ADCB is one of the very few metal credit cards in UAE that are offered by national banks of the country. It is set in a fine black finish on a metal structure and showcases a minimalistic style. From complimentary lounge accesses to a number of airport lounges worldwide to locally serving discounts on lifestyle and travel services, the card is packed with benefits. The annual fee of the Betaqati credit card in the UAE is AED 2,100.

ADCB Betaqti Credit Card 
Health Club Memberships
  • Minimum Salary AED 5,000
  • Annual Fee AED 2,100
  • Health Club Memberships
  • Dining Discounts
  • Movie Discounts
Reward Value: NA

Features and Benefits:

  • 30,000 TouchPoints on arrival as a welcome gift. Earn 3 TouchPoints on every Dhiram spent and additional rewards on reaching annual spent milestones.
  • Buy 1 get 1 free on tickets and 20% off on selected food and meal packages in VOX cinemas.
  • Earn complimentary access to Gold’s Gym Club all over UAE along with additional locker and other services.
  • A premium Platinum Tier Member and access to a spectrum of services from Emar group including discounts on dining, opera tickets, spa treatments, room upgrades, etc. 
  • Buy 1 Get 1 free on coffee from Caribou – unlimited.
  • Up to 15% off on Theme parks in UAE
  • Concierge services on all international travels
  • 20% off and free chauffeur service with Careen rides
  • More discounts at several UAE restaurants and cafés
  • Up to 15% off on Avis Rent and Hertz car services
  • Lounge access, travel insurance, and hotel booking offers on international travels

Emirates-Citibank Ultima Credit Card

A card with 100% metal construction, Emirates-Citibank Ultima Card is one of the credit cards in UAE with the most attractive loyalty program. It can save you up to AED 50,000 in a year with the help of the loyalty points alone. In addition to that, you get amazing discounts, deals and complimentary benefits which are hard to pass on. The annual fee of the card is AED 3000 and you need to have a minimum of AED 36,750 as monthly income to be eligible for the card. It is available for any UAE resident older than 21 years of age. 

Emirates-Citibank Ultima Credit Card 
Airport Lounge Access
  • Minimum Salary AED 36,750
  • Annual Fee AED 3,000
  • Airport Lounge Access
  • Movie Discounts
  • Travel Insurance
Reward Value: NA

Features and Benefits:

  • Up to 2.5 Skywards Miles reward points on every AED 3.67 spent ($1). This includes local, internal, and spends made on 
  • Additional 25,000 reward points on renewal upon every coming year. 
  • Skyward Silver membership for Emirates allows a multitude of benefits from the airline including increased baggage limit.
  • Free access to over 1000 airport lounges around the world for you, supplementary card members, and 1 additional guest as well.
  • Unlimited free gold sessions in the best gold courses around UAE on weekdays and once on weekends every month. 
  • Dining discounts in UAE as well as internationally in over 95 countries.

Mashreq Solitaire Credit Card

One of the finest credit cards in UAE with a very attractive metal finish and a sleek black look, Mashreq Solitaire Credit Card offers several discounts within the UAE and a number of exclusive lounge accesses worldwide. The annual fee of the card is AED 1,500 and supplementary cards can be availed at AED 650. Following are the top features of the Mashreq Solitaire Credit Card:

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

Features and Benefits:

  • Up to 6 Salaam points on every Dhiram spent on international and local purchases. 
  • Access to over 900 lounges globally for both basic and supplementary users.
  • Free FitnessFirst visits on completing AED 10,000 spend on the card. 
  • Access to 6 free golf games every month and up to two weekend visits to top golf courses around UAE
  • Up to 30% of on yacht bookings and 5-star stays
  • 50% off on up to 8 tickets every month on VOX and Reel Cinemas.
  • Complimentary valet parking twice every month all over in Dubai

Some Highlight Points of top Metal Credit Cards in UAE

Metal Credit Cards in UAE


Platinum Card from American Express

  • No Pre-set Limits on Spending
  • Zero Interest Charges
  • Leading Hotel Loyalty Enrolments

HSBC Black Credit Card

  • Air Miles Loyalty Program
  • Dining, Golfing and Cinema Privileges
  • Lounge Access Worldwide 

ADCB Betaqti Credit Card 

  • Complimentary membership of Platinum Tier
  • Lifestyle and Travel Benefits and Discounts

Emirates-Citibank Ultima Credit Card

  • Skyward rewards loyalty system
  • Golf course and airport lounge access

Mashreq Solitaire Credit Card

  • Salaam Points 
  • Golf Course access
  • FitnessFirst Access


Best Credit Card in UAE



Needless to say, metal credit cards are one of many steps that has been taken towards building a stronger, better, and rather exclusive future. While offering you a sense of luxury, metal credit cards are also safe and sturdier as compared to plastic and may also help in reducing plastic waste since you return the card to the bank if you close it. If you are thinking of getting a metal credit card in UAE yourself then there is no need to hold back and ponder. Although, make sure that you have compared and chosen the best option suiting all your needs.

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