Where & How Do I Find the Best Credit Cards in the UAE?

Where & How Do I Find the Best Credit Cards in the UAE?PolicybazaarAverage Rating / 5 ( reviews)
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There was a time when finding the right credit card used to be a daunting task. But big thanks to the evolution of technology; it is no longer a difficult task. Finding the best credit card in UAE, applying for it, and even managing your account is now at your fingertips. Are you wondering how it is possible? Well, there are several web aggregators such as Policybazaar.ae that made it possible. It allows you to compare different credit cards offered in the UAE based on their features, benefits, and other major aspects.

To make it simpler, we have listed here some of the best credit cards in UAE that will meet your various lifestyle requirements. These are surely one of the best plastic cards you can opt for.

Best Credit Card for Travelers

Emirates NBD Skywards Signature Credit Card

If you travel frequently whether for a business purpose or just for leisure, the Emirates NBD Skywards Signature Credit Card may be the flexible and convenient travel card for your travel needs. It lets you enjoy a world of travel as well as lifestyle benefits.

  • Annual membership fees: 700 dirhams
  • Finances charges: 3.25 percent per month

Main benefits and features of the Emirates NBD Skywards Signature Credit Card:

  • 5 Skywards Miles can be earned on Emirates & Flydubai spends.
  • 1 Skywards Miles can be earned on foreign spends.
  • 75 Skywards Miles can be earned on local spends.
  • A maximum of 40,000 Skyward Miles as a welcome bonus.
  • Free access to more than 1000 airport lounges globally with Loungekey.
  • Free deals on entertainment, food, entertainer, and shopping.
  • 4 free valet parking services of one hour at some specific shopping malls.
  • International travel and medical assistance.
  • 3 percent off on flight tickets and a maximum of 7 percent off on holiday packages.
  • Complimentary travel insurance

Best Credit Card for Shopping

Citi Rewards Credit Card

The name says it all. Citi Rewards Credit Card is amongst the best credit card in UAE that makes your shopping more rewarding. In addition to offering the shopping benefits, this credit card comes with a broad range of travel as well as lifestyle benefits.

  • Annual membership fees: 300 dirhams
  • Finances charges: 3.25 percent per month

Main benefits and features of the Citi Rewards Credit Card

  • 5 ThankYou Points for every $1 spent on international transactions.
  • 1 ThankYou Point for every $1 spent on local transactions.
  • 50 complimentary voucherSkout credits offering you 50 percent off on total bills at 500+ outlets. (Worth 250 dirhams).
  • No annual membership fee levied on this card for the 1st year. From the 2nd year onwards, the card’s annual membership fee is free upon meeting the minimum requirement.
  • Free access to 1000+ airport lounges across the globe.
  • Buy 1 get 1 free cinema tickets at VOX theatre every month.

Best Credit Card for Balance Transfers

HSBC Advance Credit Card

The HSBC advance credit card is amongst the best credit card in UAE for balance transfer as well as for availing a wide range of travel and lifestyle benefits. You can transfer your outstanding balance from any other bank’s credit card in UAE to this card at the lowest rate of interest as minimum as 0 percent for the first one year (12 months).  In this way, you will be saving on the interest amount that you would have paid on credit card. Also, you can easily get control on your finances by consolidating and repaying your balance easily.

  • Annual membership fees: 0 dirhams
  • Finances charges: 2.99 percent per month

Main benefits and features of the HSBC Advance Credit Card

  • 0 percent interest rate for the first 12 months on balance transfer.
  • 1 Air Mile can be earned for every 1 dirham spent on the card which can be redeemed for hotels, air tickets, and retail vouchers.
  • Free airport lounge access.
  • Hotel and flight ticket discount a maximum of 30 percent with Cleartrip.
  • Free valet parking at some specific Valtrans locations four times in a month.

Best Cash Back Credit Card

NAJM One Cash Back Credit Card

This One Cash Back Credit Card offered by the Najm is the unique credit card in UAE that raises your cash back amount with the number of transactions increases. The monthly cash back will be directly credited to your statement.

  • Annual membership fees: 313.95 dirhams
  • Finances charges: 3.25 percent per month

Main benefits and features of the NAJM One Cash Back Credit Card

  • 10 percent cash back on your everyday purchases
  • 30 percent discount on shopping, dining, entertainment, and travel from over 450 partners.
  • Buy one get one free movie ticket and Popcorn at VOX Cinemas.
  • Balance transfer facility
  • Cash withdrawal and loan on phone facility
  • Up to 5 supplementary cards

Best Credit Card for Movie Benefits

CBD Visa Infinite Credit Card

Tailored to meet the specialized requirements of its customers, the CBD visa infinite credit card fits easily into your lifestyle. From cinema offers to reward points, this card has it all. You can easily count on this card for making your spending more rewarding.

  • Annual membership fees: 0 dirhams
  • Finances charges: 3.45 percent per month

Main benefits and features of the CBD Visa Infinite Credit Card

  • 50 percent off on movie tickets at VOX Cinemas throughout the UAE.
  • No annual fee for the 1st It is applicable only from 2nd year onwards.
  • Free access to Pharaoh’s Wafi Club.
  • Complimentary valet parking three times a month.
  • Up to 12 complimentary visits in a calendar year at 1000+ airport lounges.
  • A maximum of 8 percent off at Hotels.com and 12 percent off at Agoda.com.

Best Credit Card for Golf Benefits

ADCB TouchPoints Platinum Credit Card

If you are a golf enthusiast then this the best credit card in UAE that you can add to your wallet without giving a second thought. The TouchPoints Platinum Credit Card offered by the ADCB comes with an array of lifestyle privileges and benefits and golf benefits are one of them. Other than that, it offers entertainment deals, online food delivery discounts and a lot more to suit your varied lifestyle needs.

  • Annual membership fees: 630 dirhams (2nd year onwards)
  • Finances charges: 3.25 percent per month

Main benefits and features of the ADCB TouchPoints Platinum Credit Card

  • Free golf benefits throughout the year at the leading golf courses in the UAE.
  • Buy one, get one free offer at VOX Cinemas.
  • 20 percent discount on Talabat orders
  • 1 TouchPoint can be earned for every 1 dirham on transactions made through this card.
  • 10,000 bonus TouchPoints on spending 10,000 dirhams every month.
  • Unlimited free airport lounge access

The Bottom Line

We consider the best credit card in UAE based on their unique features and benefits that we think are the most valuable for a different type of lifestyle needs. So, whether you are searching for the best travel card, shopping, cash back, or a golf credit card, you can pick any of them that suit your needs the best.

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