Best Credit Card in UAE

Lets find the best Credit Cards in UAE
that suits your needs and
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At MoneyMall , We compare Credit Cards in UAE across all parameters, Credit cards are reviewed on Credit Card Interest Rates, Annual fees, Late payment fees, Cash Back offers, balance transfer cards and much more to help you choose the best credit card and plan your card spend to save money.

We Compare Credit Cards from more than 30 Banks in UAE

Best Credit Cards in UAE for August 2024

Lets find, compare and apply for the best credit card in UAE and Dubai. At MoneyMall , You can Compare credit cards across All UAE Banks, Compare the deals for the Best Features, Best offers, across all the banks offering Credit Cards in UAE, We have published our monthly reviews and ranked Best Credit Card in UAE for 2020,2021 & 2023, which were very popular among UAE consumers.

Here is our pick on the Best Credit Cards in 2024, Leading bank offers include RAK Bank Cards, Emirates Islamic Cards, Credit, Credit Cards, Citi Bank Credit Cards, and ADCB Credit Card across both Visa and Master Cards for various discounts, EMI, balance transfer and cashback offers

Updated on 01-Aug-2024

Best Credit Card in UAE - List of Top Credit Cards for August '2024

Citi Mastercard Special Offer Get 15% off at Carrefour, 10% off at Amazon.ae, 20% at Talabat, & 6 airport rides with Careem

Citi Bank Cashback Credit Card

Automatic cashback on all purchases

3% Cashback On non-AED spend
2% Cashback On grocery/supermarket spend
1% Cashback On all other spend

No annual fee in year 1.
No minimum spend, No retail purchases excluded and No caps (up to monthly credit limit)
Complimentary access to 1,000+ airport lounges worldwide.
Your minimum income should be AED 8,000 per month
Minimum Age: 21 years old or above
Required documents: valid Emirates ID, Passport and valid UAE Visa copy.

Commercial Bank of Dubai Yes Rewards Credit Card

Save 15% on fuel and more, AED 250 welcome bonus, free for-life credit card

Enjoy up to 15%* back in Yes Points on all your ENOC and EPPCO service station spends including fuel, Zoom purchases, Autopro, Pronto
A complimentary WELCOME gift of AED 250** (in the form of 25,000 Yes Rewards) to fuel up your tank for free.

50% off cinema tickets at Vox, Reel & Novo cinemas
Free For Life Credit Card – You pay no annual fee for your Card, ever
It’s a Contact Less Card
0% EMI – Easy Payment Plan, for 3, 6, 9, or 12 months, at a wide range of merchants

FAB Infinite Credit Card

FAB Infinite Card offers an exclusive range of privileges to enjoy life’s luxuries including
3 free valet parking services a month

6 movie tickets per month from just aed 15 across multiple cinemas
Golf discounts with visa golf
24-hour concierge service to help you with an array of travel-related tasks.
Enjoy 6 airport transfers per annum from aed 40 (within city service) or aed 100 (inter city service)
Enjoy 6 meet & greet services per annum from AED 40 (individual booking) or AED 100 (family booking)
Access to more than 1000+ airport lounges worldwide
Earn up to 5 fab rewards for every AED 1 you spend
Get complimentary travel accident insurance of up to USD 1 million
Purchase protection and extended warranty of 12 months beyond the manufacturer or retail warranty.
Automatic protection against unauthorized transactions or fraudulent use of your card
Free medical and travel assistance insurance for you & family

Mashreq Platinum Elite Credit Card – Free Access to Fitness First*

Enjoy 8 complimentary visits per billing cycle to Fitness First*
Enjoy 3 complimentary Limousine Services every calendar year on your card, with a maximum of 1 service in a month.*
Salaam Points on all spends locally or abroad
Enjoy access to more than 1000+ lounges worldwide with your Card.
50% discount on movie tickets at VOX, Reel and Novo Cinemas up to 4 half-price tickets a bill

*Offer valid when you spend a minimum of AED 7,000 in your previous billing cycle.

EIB Credit Card – Limited Edition

Enjoy an exclusive bonus of AED 200 statement credit with the Expo Credit Card.

10% Cashback on fuel spends

Complimentary unlimited access at over 900 lounges worldwide

enjoy a welcome bonus of 5,500 Uby Emaar Upoints.

Enjoy two rounds of complimentary golf per month

Eligibility Requirements:

a minimum salary of AED 5,000 per month to be eligible for this card.

Citi Simplicity Credit Card offer

You require a minimum salary of AED 5,000 per month to be eligible for this card
Balance transfer at 0% rate of interest for 6 monthly instalments. One time processing fee of only 3% of the Balance Transfer amount. No pre-closure fee. 6 to 48 months BTF plans also available.
Access to select airport lounges across the Middle East
Over 500 dining & entertainment discounts
Quick Cash: instant cash at a click of a button
PayLite: turn any big purchases into small payments
Complimentary supplementary cards for your family members

ADIB Cashback Visa Platinum Card offers

This credit card comes with a very low-interest rate of 2.99%. You only require a minimum salary of AED 5000 with no annual fee for the first year whatsoever. Other advantages of ADIB Cashback Visa Platinum Card are as follows:

Cash withdrawal up to 100% of your credit limit
Unlimited times 1% cashback on all spends done with this card
No minimum spending amount required to receive cashback from this card
SMS alerts for all transactions
Access to airport lounges worldwide via Veloce lounge
Other facilities such as roadside assistance
Valet parking services

Additional features of this credit card include:

4 supplementary cards can be availed with this card
Convenience to make your card payments in any of ADIB branches
You can transfer your balance at a rate of 3% or for AED 300
The annual fee is free for one year and AED 1000 is charged from the second year onwards
Free grace period up to 55 days to repay the complete outstanding balance

Emirates NBD Lulu Credit Card

The interest rate for Emirates NBD Lulu Credit Card is as low as 3.25% and the minimum salary required is only AED 5000.

Earn up to 3.5% back as LuLu Points on your daily spends and with no minimum spend requirement, you will always be rewarded.

The advantages of this card are as follows:

Earn up to 3.5% back as LuLu Points on your daily spends.
Earn 3.5% on LuLu in-store and online spends
Earn 2% on fuel spends
Earn 1% on utility bill payment
Earn 0.35% on all other spends

Welcome offers :

0% Balance Transfer
Free Amazon Prime Membership

Standard Chartered Manhattan Platinum Card

At an interest rate of 3.45% and a minimum salary requirement of AED 5000 only, this credit card is one of the best options for people in UAE. The card also comes with a number of other benefits, such as:

Buy 1 coffee at Costa Coffee and get 1 for free
Earn 1 Rewards point for every 1 dollar spent
Get up to 12% discounts on travel bookings through Agoda.com
Get up to 20% off at the popular golf clubs
Get up to 30% off on bookings made at Timeout Dubai and Timeout Abu Dhabi

Other features of Standard Chartered Manhattan Platinum include:

No annual fee is charged for the first year. From the second year onwards, AED 525 is charged.
Rewards are offered for everyday spending

Emirates Islamic Cashback Plus Credit Card Offers

Earn up to 10% cash back on Supermarkets, Education, Dining and Telecom
Mazaya Offers : Savings worth AED 3,600 a year! Enjoy exclusive privileges with EIB “Mazaya” Offers and get up to 30% off!
Savings worth AED 2,400 a year! Dining out expenses of AED 2,000? Save AED 200 every month by earning up to 10% cash back.
Grocery bills of AED 2,000? Save AED 200 every month by earning up to 10% cash back.
Have school fees due soon? Save AED 400 every month by earning up to 10% cash back
Savings worth AED 1,400 a year! Present your Card to enjoy complimentary access to airport lounges worldwide.
Got monthly telecom subscription of AED 2,000? Save AED 200 every month by earning up to 10% cash back.

Emirates NBD Webshopper Credit Card

Emirates NBD Webshopper card specifically designed for online shopping to ensures highest security.

For Maximum security, the card number is printed and not embossed on the ENBD webshopper card. So, it cannot be used at POS which require you to swipe/insert the card or at ATMs to withdraw . its specifically designed for internet use.

it also offer various other benefits like all other credit cards including

1. 0% Interest in online merchant portals

2. 6 to 12 months easy EMI plans

3. Up to 55 days interest free period

4. 1 Plus Points for every AED 200 spend. Redeem points at popular merchants frequent flyer points, cashback or annual fee waiver

ADCB Traveller Credit Card offers

Incredible discounts on your travels , you can fly for less, stay for less and enjoy all the luxuries at discounted prices.

Get a complimentary 2-night stay Hotels.com
20% off on flight bookings & Hotels
0% processing fee when you use ADCB Traveller Credit Card overseas.
ADCB Traveller Credit Card comes with insurance to give you the necessary peace of mind.
Complimentary golf access
Mastercard Buy 1 Get 1 offers
Exclusive benefits and discounts at Ferrari World, Yas Waterworld and Warner Bros. World Abu Dhabi

CBD One Credit Card

Great for : Travel, Lifestyle and entertainment, Loyalty Points

• Choose your credit card design
• Choose your monthly flexible plan offering Cashback* up to AED 500 on New Age Merchants:
• AED 135 Cashback subject to overall spend of AED 5,000 & Monthly Fee of AED 39 or overall spend of AED 8,000 & No Monthly Fee
• Cinema Discounts* : 50% discount on VOX & Reel cinemas tickets

• Valet Parking*: complimentary parking at over 30 locations in the UAE.

• Airport Lounge Access: complimentary access to over 1,000 airport lounges worldwide.

• Complimentary Insurances: Multi-trip travel insurance, purchase protection & extended warranty

• Visa Signature Benefits: Unlimited access to Visa Signature Benefits

• 0% Easy Payment Plan, Balance Transfer & Quick Cash: available at competitive prices.

Sharjah Islamic Bank Credit Card – World Smiles Card Benefits and offers

1.5 Smile for every AED 2 spent on purchases within the UAE ( Domestic)

World Priority and World Elite Cards 3 Smiles for every AED 2 spent on purchases outside the UAE (International)

Free lounge access to over 850 airports worldwide
International Concierge dedicated for World cardholders and Emergency Services
Hertz Gold membership and discounts
Airport Meet & Greet facilities worldwide
Starwood Hotels & Resorts complimentary hotel nights
Discounted chauffeur rides with Careem
Exclusive SPA offers across Fairmont, Raffles, and Swissôtel
Discounted fast track travel visa service

RAK Bank Credit Card – RED Card

The minimum salary required to avail RAK Bank RED Credit Card is AED 5000.

It gives 1.5% Cashback on all you buy with RAKBANK RED Mastercard Credit Card and numerous other benefits, some of which are as follows:

Free For Life Credit Card – You pay no annual fee for your Card, ever
It’s a Contact Less Card

0% EMI – Easy Payment Plan, for 3, 6, 9 or 12 months, at a wide range of merchants,
RAK Foodie – up to 30% on your favorite cuisines at over 2000 restaurants, Buy 1 Get 1 free
Easy Credit Card Cheque for paying your
house rent, children’s school fees, insurance premiums

Emirates Ultima Credit Card by Citibank UAE

Exclusive 100% Metal card
Best Skywards earn rate in the UAE (up to 2.5 Skywards Miles per USD)
Complimentary Skywards Silver membership (extra baggage and Emirates lounge access in Dubai Airport)
25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
Unlimited access to 1000+ airport lounges worldwide for you and 1 guest
Complimentary Golf: unlimited on weekdays and 1 free round on weekends per month
Buy 1, Get 1 free movie tickets with Reel & Vox cinemas
International Concierge
Complimentary Marhaba Silver Meet & Greet service
10. 0% interest instalment plan on tickets purchased online at www.emirates.ae
Complimentary Travel Inconvenience & Travel Medical Insurance and much more

Dubai Islamic Platinum Credit Card

For supermarkets & hypermarkets purchases, bills, fuel and more

This Card offered by Dubai Islamic Bank In collaboration with the Department of Economic Development,

You can save more every time you spend with guaranteed cashback of up to 4%

1. Cashback on
Supermarket & Hypermarket Purchases – 4% upto AED 400 per month

2. Cash Back on Etisalat & Du Bill Payments – 4% upto AED 150 per month

3. Cash back on Fuel Spends – 4% upto AED 150 per month

4. Cash back on Automobile Servicing – 4% Upto AED 400 per month

5. Cash back on School fees – 4% Upto AED 400 per month

ULTRACASH Mastercard Touch Card by Ajman Bank

First Credit Card in the UAE that offers you up to 10% Cashback on your favorite spending categories and a Welcome Bonus of up to AED 500*

The world-first Touch Card is an accessible payment card that will allow people with sight loss and partial vision to easily facilitate payments and distinguish between their cards.

With ULTRACASH Mastercard Credit Card, you can select 2 of 4 every day spending categories and get up to 10% Cashback (UAE Nationals) and 5% Cashback (Expatriates). You can choose from FUEL, ONLINE SHOPPING, SUPERMARKETS, AND SCHOOL FEES. You will also get 1% Cashback on all other purchases.
Transfer your other credit card balances to Ajman Bank and get 0% Profit Rate for 3 or 6 months
Avail Easy Cash at low profit rates and transfer funds to any bank account in the UAE
0% Installment Payment Plan at Preferred Partners
Valet Parking 3 times a month at over 35+ locations
Unlimited complimentary access to over 25 regional and international Lounges
Customers must have a minimum salary of AED 10,000

Summary of Best Credit Card in UAE (Last Modified on 2024-08-01)

Which one is the best credit card in UAE? Frankly! there is no one-size-fits-all best credit card; the best credit card for you depends on your unique situation, credit score, lifestyle, and financial goals.

Hence, we have created the above list of the top 5 best credit cards in UAE for each major category, from cashback, Movies, Balance Transfer, travel rewards, Airport Lounges, and much more to choose the best credit card in UAE for you.

Here is our pick for Best Credit Cards in UAE Across all categories

Credit Card provider Banks offers rewards on purchases made using the card, Here is the list of best credit cards in UAE which are great for cashback rewards points, travel rewards, Movie offers, Air miles , grocery shopping, and balance transfer offers.

Best Cash Back Credit Cards in UAE

Cashback Credit cards are pretty Simple– a Card that allows you to earn cash while spending on your favorite activity., below listed are the top 5 cashback credit cards in UAE

Citi Bank Cash Back Credit Card
Emirates NBD Titanium Credit Card.
FAB Platinum Credit card.
ADCB World Traveller Credit Card.

Best Balance Transfer Credit Cards in UAE

Balance transfer Credit Cards offers low or zero interest offer when you transfer your one credit card outstanding balance to a new credit card, you can also consolidate balances from all other cards onto one card for a single monthly payment EMIs and clear off your credit card debt easily, Below listed are best balance transfer cards in UAE

Citi Premier Credit Card
Mashreq Platinum Elite Credit Card
Emirates Islamic Flex Elite Credit Card
Emirates NBD Duo Credit Card

Best Credit Cards for Grocery Shopping in UAE

Grocery Shopping Credit Cards are generally co-branded credit cards offered by some of the Top Most Supermarket brands in UAE like Carrefour, Lulu , Union Coop & More. It offers high rewards and cashback on daily grocery shopping, Here is the Top picks of the Best Grocery Shopping Credit Cards in UAE

ADCB Lulu Titanium Credit Card – Lulu Hypermarket
Emirates Islamic Union Coop Tamayaz Card – Union Coop Shopping
ADIB Value+ Credit Card
Citi Prestige Credit Card
Citi Bank Cash Back Credit Card

Best Credit Card in UAE for Cinema/ Movie Offers

Top cinemas like VOX, Novo & Reel Cinemas offer Buy 1 get 1 Movie ticket offers with many credit card providers. Check out our pick on Best Cinema Credit Cards in UAE, Because one free ticket can mean a new movie every week.

Citi Credit Cards – VOX Cinema
Mashreq Novo Credit Card – Novo Cinema
Emirates NBD Go4it Credit Card – VOX Cinema
CBD Visa Platinum Credit Card – Vox Cinema & Imax Cinema

Best Free For Life Credit Card in UAE for 2023 (No Annual Fees)

Free-for-life credit cards also known as No Annual fee Credit Cards mean that It’s free to hold, you will not get charged an annual fee, ever, We listed here the top 5 Credit Cards with No Annual Membership fees in UAE for you.

Citi Simplicity Credit Card
ADIB Value+ Covered Credit Card
Deem Miles Up Master Credit Card
Mashreq Cashback Credit Card

List of Banks offering Online Approval for Credit Cards in UAE for Dec’2023

In today’s time, we’re all looking for convenience, even when it comes to banking. Hence, we turn to banks that offer instant approval on their credit cards. So, here are four credit cards that not only come with several benefits but can also be obtained easily because of instant approval…

Citi Bank Credit Cards
Mashreq Credit Cards
Deem Credit Cards
CBD Credit Cards
Emirates NBD Credit Cards

Credit Cards

What is a credit card?

Credit cards is most popular financial tool, it gives holders a pre-set credit limit which they can use to pay for purchases without having to pay in cash or issuing a cheque. The credit limit of the card is decided by the card issuer banks and financial institution depending on the customer’s credit score and monthly income

How to Check Credit Card Eligibility?

To be eligible for a credit card in UAE:

You must be over 18 years of age
You must be a resident of UAE
You must have a minimum salary per month of AED 5,000.

How to use a credit card in UAE?

Pay your full credit card bills before due dates
Make high-value purchases at the beginning of the billing cycle
Track your spending habits
Always check your credit card statements
Choose credit card limit wisely.

Checklist for choosing the best credit card in UAE

To find the best credit card in UAE, you must check below points ;

Percentage Rate of Interest
Minimum due repayment requirements
Charges & Other Fees
Minimum monthly Income/ salary Criteria to be eligible for
Annual fees of the credit card
Loyalty point system or card rewards
Cash back offers on your highest monthly spends i.e. travel or grocery
FX Rates on foreign transactions
0% EMI offers availability
Balance Transfer facility

Frequently Asked Questions about Credit Card in UAE

Most frequent questions and answers

HOW CAN I GET CREDIT CARD IN UAE?

You can apply online on MoneyMall to get a Credit Card in UAE

https://moneymall.ae/apply-now/

How to get a Credit Card FREE ?

Major UAE Banks offers the basic Credit cards for free, these are called Free for Life or No Annual Fee Credit Cards

What Is the meaning of Credit Card?

A credit card is a facility offered by banks and financial companies that you to borrow money against a pre-approved credit line, widely known as the Credit Limit. You use the Credit card for your everyday purchases and can have a Intrest free period of around 40 days make which are then reflected on your bill.

how credit card interest is calculated in UAE?

The General formula to calculate the interest rate is as follows:

(No. of days counted from the date of transaction x Outstanding Amount x Interest rate per month x 12 months)/365.

How are credit card limit calculated?

The credit card providers and banks typically use a multiplier with your gross monthly income while when using your income as base. Other popular way is to give similar limit as your existing credit card from another bank has.it depends on how your application is processed and as per ongoing promo of that bank.

Which is the best credit card in Dubai?

The best Credit card offered by Dubai banks are; 1. CBD Super Saver Credit Card by Commercial Bank of Dubai 2. DIB Consumer Rewards Credit Card Dubai Islamic Bank

How do I choose the best credit card in UAE?

decide what you'll use the card for. Look at your spending habits. Consider the type of rewards most useful to you. Determine what type of credit card is right for you. Decide whether paying an annual fee makes sense, you will earn enough rewards to cover fees or not

HOW CAN I GET CREDIT CARD IN UAE?

You can apply online on MoneyMall to get a Credit Card in UAE https://moneymall.ae/apply-now/

WHAT IS THE MINIMUM SALARY REQUIRED TO GET CREDIT CARD IN DUBAI, UAE?

credit cards facility is available for individuals having a minimum salary of AED 5000.

What are the documents required for credit card in UAE?

following documents are required to apply for a credit card in UAE: Emirates ID original passport. UAE Residence visa page Income proof (Pay Slip) 3 months bank statement

What is a good credit score to apply for a credit card in UAE?

Every bank has their own definition of good credit score, our last survey finding suggested that a AECB Credit Score above 650 is considered fair to apply for a credit card in UAE

Which is the best cashback credit card in UAE?

UAE banks offers cash back on various categories including Grocery shopping, travel purchases, Air tickets and more.Best Cash back card in UAE is dependent on your purchasing needs and habits.

Dubai First partners with Mastercard in UAE