Top 6 Free for Life (No Annual Fee) Credit Cards in UAE

Credit Card with
Cashback and Rewards
T & C Apply

Best credit cards with 0 Annual fee*

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

While there are plenty of luxury credit cards in UAE that charge their members an annual membership fee for holding the cards, there are also a number of top tiers free for life credit card UAE that do not charge any fee for the wide range of rewards they offer. Some of these cards are among the best credit cards in UAE.

Cashback Back & Free Airport Lounge Access - Policybazaar uae

Below mentioned are the details of the top 6 free for life credit card UAE that do not charge any annual fee.

Best Free for Life Credit Card in UAE - September 2023

  1. CBD Visa Infinite Credit Card
  2. CBD Visa Platinum Credit Card
  3. Najm Platinum Cashback Credit Card
  4. Citibank Simplicity Credit Card
  5. ADIB Value Credit Card
  6. Noor Bank Priority World Credit Card

CBD Visa Infinite Credit Card

The CBD Visa Infinite Credit Card is a good option for someone who wants to use the service of a balance transfer and pay no annual fee for the first year, and thereafter at a minimum yearly spends of AED 100,000 get the annual fee reversed.

CBD Visa Infinite Credit Card
Free for 1st year
  • Minimum Salary AED 20,000
  • Annual Fee Fee for 1st year
  • Free for 1st Year
  • Balance Transfer
  • Dining Discount
  • Movie Discount
Reward Value: NA

The distinctive feature of this card is that it provides both, a low rate balance transfer as well as cashback rewards.

The benefits of a CBD Visa Infinite Credit Card are:

  • Supplementary cards
  • 50% discount on VOX Cinemas
  • Airport lounge access
  • Multi-trip travel insurance

CBD Visa Platinum Credit Card

The CBD Visa Platinum Credit Card is a lifetime free credit card UAE, which offers attractive interest rates to its customers.

CBD Visa Platinum Credit Card
Free for Life
  • Minimum Salary AED 8,000
  • Annual Fee Fee for life
  • Free for Life
  • Balance Transfer
  • Dining Discount
  • Movie Tickets
Reward Value: NA

The benefits of a CBD Visa Platinum Card are:

  • CBD Rewards Program
  • Discounts across VOX Cinemas
  • Chip and PIN technology
  • Supplementary cards

Najm Platinum Cashback Credit Card

This card is specifically designed to save on your grocery spends. With the Najm Platinum Cashback Credit Card, you can maximize your savings and get exclusive privileges at Carrefour.

Najm Platinum Cashback Credit Card
Free for Life
  • Minimum Salary AED 7,000
  • Annual Fee Fee for life
  • Free for Life
  • Movie Discounts
  • Golf Benefits
  • Special Discounts
Reward Value: AED 4,680

The benefits of a Najm Platinum Cashback Credit Card are:

  • Exclusive deals and dedicated checkout counters at Carrefour
  • One for one with VOX cinemas
  • Visa platinum discounts across shopping, dining, travel, and cinema
  • Cashback savings every month

Citibank Simplicity Credit Card

The Citibank Simplicity Credit Card has proven to be an all-round no-fee credit card that stands out in the UAE. It is free for life credit card that offers attractive interest rates to its members along with an interest-free grace period.

The best feature of this card is that it is a fee-free credit card. Therefore, it does not charge any late payment fee, over-limit fee or cash advance fee.

Citibank Simplicity Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Fee for life
  • Free for Life
  • Airport Lounge Access
  • Dining Discounts
  • Travel Insurance
  • Purchase Protection & Extended Warranty
Reward Value: NA

The benefits of a Citi Simplicity Credit Card are:

  • Citi World Privileges
  • Instant cash
  • Complimentary access to airport lounges across the Middle East
  • Supplementary cards

ADIB Value Credit Card

The ADIB Value card is a lifetime free credit card UAE that rewards you for your local and international spends while offering you a wide range of additional benefits.

ADIB Value Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Fee for life
  • Free for Life
  • Airport Lounge Access
  • Dining Discounts
Reward Value: AED 2,808

The benefits of an ADIB Value Card are:

  • ADIB Rewards Program
  • Benefits across airline bookings
  • Purchase protection
  • Extended warranty
  • Shopping mall vouchers

Noor Bank Priority World Credit Card

The Noor Bank Priority World Card is free for life credit card UAE, designed for all the golf enthusiasts residing in the UAE. If you are someone who enjoys playing golf, the rewards offered can be redeemed across the activity you love.

Noor Bank Priority World Credit Card
Free for Life
  • Minimum Salary AED 30,000
  • Annual Fee Fee for life
  • Free for Life
  • Airport Lounge Access
  • Travel Insurance
Reward Value: AED 2,808

The benefits of a Noor Bank Priority World Card are:

  • Free access to premium gyms
  • Complimentary golf for two people
  • Valet service 4 times a month
  • Premium Driver Assistance
  • Travel benefits
  • Reward points

How to Choose a Free for Life Credit Card in UAE

There is no single best free for life credit card UAE because the cardholders have different preferences and requirements. There are a few factors which you should keep in mind while choosing the card that suits you the best, such as:

  • Fees: You should always consider the fee charged across services such as balance transfer fee, foreign transaction fee, cash advance fee, among a few more.
  • Rewards Rate: You should choose a free for life credit card UAE that offers a higher value for every time you use your card and a card that offers great cashback deals.
  • Staying Power: One should aim at choosing a credit card that offers long term utility over short term rewards. This is suitable for someone who prefers to hold a credit card for several years.
  • Sign-up Bonus: You should always consider opting for a card that offers a sign-up bonus. This allows you to avail great benefits.

Chris standing up holding his daughter Elva

Best Free for Life Credit Card 2023 -  Annual Fee & Minimum Balance Required

Bank 

Credit Card Name

Salary Requirement

View Quotes

Citibank

Citi Simplicity Credit Card

AED 5,000

FAB

FAB Abu Dhabi Titanium Credit Card

AED 5,000

ADCB

ADCB Lulu Titanium Credit Card

AED 5,000

ADIB

ADIB Value Credit Card

AED 8,000

DIB

Dubai Islamic Johara Gold Premium Credit Card

AED 5,000

Emirates Islamic Bank

Emirates Islamic Flex Credit Card

AED 5,000

Global Village Ticket Offer on Credit Card

Summary on Lifetime Free Credit Card

Despite the above-mentioned factors, you should also consider the other unique perks and benefits offered with the free for life credit card UAE, such as access to airport lounges, discounts on cinema tickets, etc.

You should always opt for the card that suits your lifestyle the best while offering you additional perks.

Other Banks That Offer the Free for Life Credit Card in UAE

Credit Cards with No Annual Fees
FAB Free for Life Credit Cards in UAE CBI Free for Life Credit Cards in UAE
DIB Free for Life Credit Card in UAE ADIB Free for Life Credit Cards in UAE
Citibank Free for Life Credit Cards in UAE American Express Free for Life Credit Cards in UAE
ADCB Free for Life Credit Cards in UAE Najm Free for Life Credit Cards in UAE
RAKBANK Free for Life Credit Cards in UAE  
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