Best Credit Card in UAE

Lets find the best Credit Cards in Dubai, UAE that suits your need.

At MoneyMall , We compare Credit Card across all parameters
including Annual fees, Late payment fees, Cash Back offers,
balance transfer and much more to help you plan
your card spend and save money.

We Compare more than 20 Banks to find the best credit card deal for you.

Best Credit Card in UAE for October '2020

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 Best Features, Best offers, across all the banks offering Credit Cards in UAE, Last year we ranked Best Credit Card in UAE for 2019

Here is our pick on the Best Credit Cards in 2020 , Leading bank offers including RAK Bank Cards, Emirates Islamic Cards, Credit, HSBC Credit Cards, Citi Bank Credit Cards and ADCB Credit Card across both Visa and Master Cards for various discounts and cash back offers

Best Credit Card in UAE - List of Top 30 Credit Cards for October ' 2020

Citi bank Ultima Credit Card for Emirates

1. Citibank Ultima Credit Card

BEST PREMIUM CREDIT CARD IN UAE

Emirates Citibank Ultima Credit Card

  • 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
adcb Traveller card

2. ADCB Traveller Credit Card

BEST TRAVEL CREDIT CARD

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
     
 
HSBC zero Credit Card

3. HSBC Zero Credit Card

BEST BALANCE TRANSFER CREDIT CARD

HSBC Zero Credit Card offers

Get zero interest on purchases for the first 3 months, with zero annual membership fee
  • Buy 1 – Get 1 Free” movie tickets at VOX Cinemas
  • Free HSBC Entertainer app , over 10,000 ‘Buy 1 Get 1 Free’ offers across dining, leisure, retail and wellness
  • Get up to 30% off at over 400 restaurants across the UAE
  • Get up to 12% off at over 985,000 hotels and vacation rentals worldwide 
  • Balance transfer offers

    Transfer your outstanding balance from any other credit card in the UAE to HSBC Zero Credit Card at 0.99% interest for 6 months and benefit from zero processing and early settlement fees

 
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4. Citi Simplicity Credit Card

BEST FREE FOR LIFE CREDIT CARD

Citi Simplicity Credit Card offers

The Citi Simplicity Credit Card has No annual fee, late payment fee, cash advance fee or overlimit fee, ever.

It is designed to be easy to use taking into account your basic lending requirements. Simpler terms, no hassle.

  • 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 BT 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 Cash BAck Card

5. ADIB Cashback Visa Platinum Card

BEST ISLAMIC CASH BACK CREDIT CARD

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
 
HSBC Platinum Select Credit Card

6. HSBC Platinum Select Credit Card

BEST LIFESTYLE REWARDS CREDIT CARD

HSBC Platinum Select Credit Card

The minimum salary required to avail HSBC Platinum Select Credit Card is AED 10000 and the interest rate is 3.25%. It comes with numerous other benefits, some of which are as follows:

  • 15% discount on British Airways fares for flights from UAE to UK, Europe, USA and Canada.
  • Exclusive offers on dining and shopping at 19000 outlets in 160 countries.
  • Buy one get one free offer at VOX cinemas with this card.
  • 12% discount with AGODA.
  • Credit shield plus can be availed with this card
  • Access the HSBC mobile app for more discounts and offers.

This credit card is recognized by the Top 30 Credit Card Blogs due to the following features:

  • This card is recognized over 32 million establishments
  • This card offers you benefits home and abroad
  • It also offers you a team of financial advisers and helps you achieve your financial goals
  • This bank offers you an instant credit card with instant approval
  • It provides an instant limit approval
  • You get an interest free period of up to 56 days
 
eMIRATES NBD Titanium_cc_top_card

7. Emirates NBD Titanium Credit Card

BEST CREDIT CARD FOR FOR RETAIL SPENDS

Emirates NBD Titanium Credit Card

The interest rate for Emirates NBD Titanium Credit Card is as low as 3.25% and the minimum salary required is only AED 5000. The advantages of this card are as follows:

  • Up to 40% discount at 100 Golf courses worldwide
  • Up to 30% off at over 2000 restaurants across the UAE
  •  3% discount on air tickets and up to 10% discount on holiday packages through the Emirates NBD Travel Desk
  • For every AED 100 retail spend on your card, you will earn 1 Plus Point
  • Plus points can be redeemed for cashback
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt

 

 
SCB manhattan CREDIT CARD

8. Standard Chartered Manhattan Platinum

BEST SHOPPING CREDIT CARD

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 card

9. Emirates Islamic Cashback Plus Credit Card

BEST CASH BACK CREDIT CARD

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-for-online shopping

10. Emirates NBD Webshopper Credit Card

BEST CREDIT CARD FOR ONLINE SHOPPING

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

List of 50 Best Credit Card in UAE  for October ‘ 2020

  1. Emirates Islamic Cashback Plus Credit Card. – BEST CASH BACK CREDIT CARD in UAE– Earn up to 10% cash back on Supermarkets, Education, Dining and Telecom
  2. HSBC Platinum Select Credit CardBEST CREDIT CARD IN UAE with BALANCE TRANSFER OFFER– For the first 6 months enjoy 0% interest on the balance you transfer, 6,12 & 24 months tenor is available with nominal fees
  3. ADCB Traveller Card BEST CREDIT CARD IN UAE FOR TRAVEL– 20% discount on hotels- 15% discount on car rentals through -20% discount on cleartrip, touchpoint cashback on fuel spends & much more
  4. Najm Platinum Credit Card BEST CREDIT CARD IN UAE FOR MOVIE TICKETS – Buy 1 Get 1 Free at VOX Cinemas-  3% Cashback every Tuesday at Carrefour- 1.5% Cashback everyday at Carrefour. Save up to AED 200 every month – 0.5% Cashback everywhere Visa is accepted
  5. FAB Etihad Credit Card BEST CREDIT CARD IN UAE FOR AIR TRAVEL -75% Etihad Guest Miles discount voucher- Receive 110,000 Etihad Guest Miles as a welcome bonus-over 900+ airport lounges access -Airport Pick Up and Drop Off Service & more

List of All Available Credit Cards in UAE for 2020 – Annual fees, Minimum Salary required & Features

Bank

Credit Card Name

Minimum Salary Requirement (AED)

Annual Fee (AED)

Key Features

ADCB

ADCB Islamic Gold Credit Card

8,000

0

Air Miles & Islamic Finance

ADIB

ADIB Cashback Platinum Credit Card

5,000

0

Cash Back, Free Roadside Assistance & Islamic Finance

UAB

UAB Platinum Credit Card

10,000

0

Airport Lounge Access, Cinema offers & Gold benefits

ENBD

Emirates NBD Infinite Credit Card

30,000

1,500

Airport Lounge Access, Credit Shield, Gold benefits & Travel Insurance

ENBD

Emirates NBD Platinum Credit Card

10,000

199

Cinema Offers, Dining discounts & Travel Insurance

ENBD

Emirates NBD Skywards Infinite Credit Card

30,000

1,500

Air Miles, Airport Lounge Access, Credit Shield & Travel Insurance

ENBD

Emirates NBD Go4it Credit Card

5,000

99

Airport Lounge Access, Cinema offers & Dining discounts

ENBD

Emirates NBD Titanium Credit Card

5,000

400

Airport Lounge Access, Credit shield, Free roadside assistance & Gold benefits

CITI

Citi Simplicity

5,000

0

No annual fee, late payment fee, cash advance fee or overlimit fee, ever.

CITI

Citi Cash back Credit Card

8,000

0*- 300

Unlimited, Automatic Cashback on all Spend

CITI

Citi Rewards

8,000

0- 300

Airport Lounge Access, Cinema offers, Rewards

CITI

Citi Premier

15,000

0-750

Fly for free, 1000+ Airport Lounges, Cinema

CITI

Citi Prestige

30,000

1500

Air Miles, cash bank, Hotel Discounts, t AED 1,000 welcome offer

CITI

Emirates-Citibank Gold Credit Card

12,000

0-400

Skyword Points, Free Travel Insurance

CITI

Emirates-Citibank Ultimate Credit Card

18,000

800

Air Miles, Airport Lounge Access, Free Shopping vouchers, Gold Benefits & Hotel Discounts

CITI

Emirates-Citibank Ultima Credit Card

36,750

3,000

Air Miles, Airport Lounge Access, Free Shopping vouchers, Gold Benefits & Hotel Discounts

FAB

FAB Masdar Credit Card

8,000

550

Air Miles, Cash back & Valet parking

FAB

FAB Abu Dhabi Platinum Card

12,000

0

Airport Lounge Access, Gold benefits, Hotel discounts & Valet parking

FAB

FAB Platinum Card

8,000

550

Airport Lounge Access, Cash back, Cinema offers, Gold benefits & Valet parking

FAB

FAB Ferrari Signature Credit Card

12,000

0

Cinema Offers, Travel Insurance & valet parking

Mashreq

Mashreq Platinum Elite Credit Card

7,000

600

Cash Back, Dining discounts, Gold benefits & Travel Insurance

Mashreq

Mashreq Etisalat Credit Card

5,000

0

Air Miles & Free shopping vouchers

Mashreq

Mashreq Gold Credit Card

5,000

0

Credit Shield, Dining discounts, Hotel discounts & Internet banking

Mashreq

Mashreq Classic Credit Card

5,000

0

Credit Shield, Hotel discounts & Internet banking

Emirates Islamic

EIB RTA Gold Credit Card

5,000

125

Islamic Finance, Credit Shield & Travel Insurance

Emirates Islamic

EIB Skywards Infinite Credit Card

25,000

950

Air Miles, Airport Lounge Access, Credit Shield, Islamic Finance & Travel Insurance

Emirates Islamic

EIB Skywards Gold Credit Card

5,000

400

Airport Lounge Access, Credit Shield, Islamic Finance & Travel Insurance

Emirates Islamic

EIB Skywards Platinum Credit Card

5,000

700

Airport Lounge Access, Gold benefits, Islamic Finance & Travel Insurance

         

Standard Chartered Bank

SCB Infinite Credit Card

35,000

0

Access to Fitness Clubs, Dining discounts & Gold benefits

Standard Chartered Bank

SCB Titanium Credit Card

10,000

0

Cash Back, Cinema offers & School discount

HSBC

HSBC Premier Credit Card

15,000

0

Cinema offers, Air Miles, Dining discounts, Valet parking & Travel Insurance

UNB

UNB Titanium MasterCard Credit Card

8,000

0

Airport Lounge Access & Free Roadside Assistance

RAK Bank

RAKBANK Géant La Carte Credit Card

5,000

0

Dining Discounts & Travel Insurance

RAK Bank

RAKBANK NMC MasterCard

5,000

0

Cash Back, Dining discounts & Travel Insurance

RAK Bank

RAKBANK Titanium Credit Card

10,000

0

Cash Back & Travel Insurance

Deem finance

Platinum Credit Card – CashUp

5,000

0

CASH BACK Rewards

HSBC

Zero Credit Card

5,000

0

No annual fee, No over limit fee, No cash advance fee,

Best Credit Cards in UAE

Best Credit Cards in UAE

Best Credit Card in UAE for 2020

Compare Credit Cards in Dubai

The most important step while applying g for a credit card is to Compare Credit Cards in UAE to suit your needs. We already chose the best credit cards in Dubai overall, but every individual has different spending habits and credit card usage. you may Use the highlighted features of each product and decide what you would most like to have with your credit card in Dubai
✓Read complete details about each product on MoneyMall and compare credit cards side by side.
You can apply online now’, just fill in one quick form and we will process your interest in 24 hours

Newly Launched Credit Cards in UAE in 2020

Deem Finance Credit Cards

Deem Finance just launch two amazing variants of Credit Cards,

  • Deem Cash Up Credit Card for Cash Back Rewards
  • Deem Miles up Credit card for the Airmiles rewards

Liv Credit Card by Emirates NBD

Liv digital Bank by Emirates NBD is also about to launch new features packed Credit Card soon, Stay Tuned to know more

  • Its fully digital credit card
  • Get Instant approval via Liv app by Emirates NBD
  • Hundreds of Rewards program to choose from, and Switch any rewards any time.

HSBC Zero Credit Card UAE

HSBC Zero Credit card is one of the best credit card launched in UAE, It was Launch in the month of August’2019,

This Credit Card offers No annual fee, No over-limit fee, No cash advance fee, Zero processing fees on balance transfers, Zero interest on purchases for first 3 months

 

Summary of Best Credit Card in UAE (Updated: October’2020)

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 spends, lifestyle and financial goals.

Hence, we have created an above list of the top 30 best credit cards in UAE for each major category, from cash back, Movies, Balance Transfer, travel rewards, Airport Lounges and much more to choose the best credit card in UAE for you.

  1. 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, Reward credit cards in UAE are great for cashback rewards, travel rewards, Movie offers, Airmiles points and balance transfer offers.

 

Best Cash Back Credit Cards in UAE 

Cash back Credit cards are pretty Simple– a Card which allows you to earn cash while spending on your favorite activity., below listed are top 5 cash back credit cards in UAE
  1. HSBC Zero credit Card
  2. Emirates NBD Titanium Credit Card.
  3. FAB Platinum Credit card.
  4. ADCB World Traveller Credit Card
  5. Citi Cash Back Credit Card

Best Balance Transfer Credit Card in UAE 

Balance transfer Credit Cards offers low or zero interest offer when you transfer your one credit card outstanding balance to 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
  1. Citi Premier Credit Card
  2. Mashreq Bank Platinum Elite Credit Card
  3. Emirates Islamic Flex Elite Credit Card
  4. HSBC Black Credit Card

Best Grocery Shopping Credit Cards 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 cash back on daily grocery shopping, Here is the Top picks of Best Grocery Shopping Credit Cards in UAE 

    1. Najm Platinum Plus Credit Card  – Carrefour Shopping
    2. ADCB Lulu Titanium Credit Card – Lulu Hypermarket
    3. Emirates Islamic Union Coop Tamayaz Card – Union Coop Shopping
    4. ADIB Value Credit Card
 

Best Credit Card in UAE for Cinema/ Movie Offers

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

  1. Najm Credit Card – VOX Cinema
  2. Mashreq Novo Credit Card – Novo Cinema
  3. Emirates NBD Go4it Credit Card – VOX Cinema
  4. HSBC Advance Credit Card – Reel Cinema

Best Free For Life Credit Card in UAE (No Annual fees)

Free-for-life credit cards  also know as No Annual fee Credit Cards means that Its free to hold, you will not get charged an annual fee, ever, We listed here top 5 Credit Cards with No Annual Membership fees in UAE for you.
  1. Citi Simplicity Credit Card
  2. ADIB Value+ Covered Card
  3. HSBC Platinum Select Credit Card
  4. Deem Miles Up Master Credit Card
  5. Mashreq Cashback Credit Card

List of Banks offering Online Credit Card Approval Instantly in UAE for October ‘2020 

In today’s time, we’re all looking for convenience, even when it comes to banking. Hence, we turn towards 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…

  1. Citi Bank Credit Cards
  2. Mashreq Bank Credit Cards
  3. Deem Finance Credit Cards
  4. CBD Credit Cards

Frequently Asked Questions about Credit Card in UAE

Most frequent questions and answers

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

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

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

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.

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.

Credit Card CVV Code: What is CVV Meaning, Purpose & Everything else that you must know
How Cash Back makes you and your credit card company rich
What To Do With Your Credit Card Debt If You’re Unemployed In UAE?
5 Reasons to Use Your Credit Card for Bill Payments Online in UAE
Credit Card Limits : When should I get my credit card limit increased or reduced?
Credit Utilization Rate : Whats a Good Credit Utilization Ratio On Credit Cards ?

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