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 across all parameters
including 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 25 Banks & Finance Companies in UAE

Best Credit Cards in UAE for January 2021

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 2020

Here is our pick on the Best Credit Cards in 2021 , 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 Credit Cards for January ' 2021

Citi Simplicity Credit Card offers

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

DIB 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

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

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

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

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

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 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

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

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.

List of 100 Best Credit Card in UAE for January ‘ 2021

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
HSBC Platinum Select Credit Card – BEST 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
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
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
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 2021 –

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 over limit 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 Card in UAE for 2021**

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 on: 2nd January ‘2021)

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 5 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.

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 to best credit cards in UAE which are great for cashback rewards, travel rewards, Movie offers, Airmiles points, grocery shopping 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

HSBC Zero credit Card
Emirates NBD Titanium Credit Card.
FAB Platinum Credit card.
ADCB World Traveller Credit Card.
Citi Cash Back 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 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 Bank Platinum Elite Credit Card
Emirates Islamic Flex Elite Credit Card
HSBC Black 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 cash back on daily grocery shopping, Here is the Top picks of Best Grocery Shopping Credit Cards in UAE

Najm Platinum Plus Credit Card – Carrefour Shopping
ADCB Lulu Titanium Credit Card – Lulu Hypermarket
Emirates Islamic Union Coop Tamayaz Card – Union Coop Shopping
ADIB Value+ Credit Card
Citi Prestige Credit Card – Get 25% cashback on Grocery for First 3 months

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.

Najm Credit Card – VOX Cinema
Mashreq Novo Credit Card – Novo Cinema
Emirates NBD Go4it Credit Card – VOX Cinema
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.

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

List of Banks offering Online Credit Card Approval in UAE for January’2021

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…

Citi Bank Credit Cards
Mashreq Bank Credit Cards
Deem Finance 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.

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.

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.