Best Credit Card in UAE

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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 September'2023

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 2023, Leading bank offers include 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, EMI, balance transfer and cashback offers

 Updated on 11-Sep-2023

Best Credit Card in UAE - List of Top Credit Cards for September'2023

Citi Cashback credit card

1. Citi Cash back Credit Card

BEST CASH BACK CREDIT CARD OFFER IN UAE

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.
cbd yes credit card

2. CBD Yes Credit Card

BEST FUEL CREDIT CARD IN UAE

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
FAB Infinite Credit Card

3. FAB Infinite Credit Card

BEST CREDIT CARD FOR SPEND AND WIN OFFERS

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

4. Mashreq Platinum Elite Credit Card

BEST CREDIT CARD FOR AIRPORT LOUNGE ACCESS

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.

expo_credit_card - Emirates Expo 2020

5. EIB Credit Card

Best Credit Card for Expo 2020 Visitors'

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.

image016

6. Citi Simplicity Credit Card

BEST FREE FOR LIFE CREDIT CARD

Citi Simplicity Credit Card offer

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 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 Cash BAck Card

7. ADIB Cashback Credit 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
 
Emirates NBD lulu credit card

8. Emirates NBD Lulu Credit Card

BEST CREDIT CARD IN UAE FOR FOR RETAIL SPENDS AT LULU

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
HSBC zero Credit Card

9. 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

 

SCB manhattan CREDIT CARD

10. 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

11. 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

12. 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
adcb Traveller card

13. 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
     
 
CBD Credit Card - CBD One

14. CBD One Credit Card

Best Personalized Credit Card - ' powered by you'

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.
HSBC Platinum Select Credit Card

15. HSBC Platinum Select Credit Card

BEST CREDIT CARD IN UAE FOR LIFESTYLE REWARDS

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
 
Sharjah Islamic Credit Card

16. Sharjah Islamic Credit Card

BEST ISLAMIC CREDIT CARD FOR TRAVEL

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

Sharjah Islamic Bank ‘Smiles’ Credit Card. The card that rewards you in every aspect of your life. from airline tickets and hotel stays
to car rental and electronics, Smiles has them all for you 

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

17. RAK Bank Credit Card - RED

BEST FREE CREDIT CARD IN UAE FOR CASH BACK

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
 
Citi bank Ultima Credit Card for Emirates

18. Emirates Ultima Credit Card

BEST PREMIUM CREDIT CARD IN UAE

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
DIB Platinum Card

19. DIB Platinum Credit Card

BEST CREDIT CARD FOR GROCERY SHOPPING

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

20. ULTRACASH Mastercard Touch Card by Ajman Bank

WORLDS FIRST MASTERCARD TOUCH CREDIT CARD

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

List of 100+ Best Credit Card in UAE  for Apr’2023

  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. Citi Credit Cards BEST CREDIT CARD RANGE IN UAE FOR MOVIE TICKETS – Buy 1 Get 1 Free at VOX Cinemas-  buy-one, get-one’ complimentary movie tickets each month on any day of the week can be availed under this offer with any Citi bank Credit Cards
  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 100+ Credit Cards in UAE for 2023 – 

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

Emirates NBD

Emirates NBD Infinite Credit Card

30,000

1,500

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

Emirates NBD

Emirates NBD Platinum Credit Card

10,000

199

Cinema Offers, Dining discounts & Travel Insurance

Emirates NBD

Emirates NBD Skywards Infinite Credit Card

30,000

1,500

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

Emirates NBD

Emirates NBD Go4it Credit Card

5,000

99

Airport Lounge Access, Cinema offers & Dining discounts

Emirates NBD

Emirates NBD Titanium Credit Card

5,000

400

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

CITI BANK

Citi Simplicity Credit Card

5,000

0

No annual fee, late payment fee, cash advance fee or over limit fee, ever.

CITI BANK

Citi Cash back Credit Card

8,000

0*- 300

Unlimited, Automatic Cashback on all Spend

CITI BANK

Citi Rewards Credit Card

8,000

0- 300

Airport Lounge Access, Cinema offers, Rewards

CITI BANK

Citi Premier Credit Card

15,000

0-750

Fly for free, 1000+ Airport Lounges, Cinema

CITI BANK

Citi Prestige Credit Card

30,000

1500

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

CITI BANK

Emirates-Citibank Gold Credit Card

12,000

0-400

Skyword Points, Free Travel Insurance

CITI BANK

Emirates-Citibank Ultimate Credit Card

18,000

800

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

CITI BANK

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 (Now ADCB)

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 2023 
 
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 2023

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 has launched new features packed Credit Card in 2022.

  • 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 cards 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 the first 3 mont

Summary of Best Credit Card in UAE (Last Modified on 2023-04-04)

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 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
  1. Citi Bank Cash Back Credit Card

  2. HSBC UAE Zero credit Card

  3. Emirates NBD Titanium Credit Card.

  4. FAB Platinum Credit card.

  5. 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
  1. Citi Premier Credit Card

  2. Mashreq Platinum Elite Credit Card

  3. Emirates Islamic Flex Elite Credit Card

  4. HSBC Black Credit Card

  5. 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 

  1. ADCB Lulu Titanium Credit Card – Lulu Hypermarket

  2. Emirates Islamic Union Coop Tamayaz Card – Union Coop Shopping

  3. ADIB Value+ Credit Card

  4. Citi Prestige Credit Card

  5. 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.

  1. Citi Credit Cards – VOX Cinema

  2. Mashreq Novo Credit Card – Novo Cinema

  3. Emirates NBD Go4it Credit Card – VOX Cinema

  4. HSBC Advance Credit Card – Reel Cinema

  5. 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.
  1. Citi Simplicity Credit Card

  2. ADIB Value+ Covered Credit Card

  3. HSBC Platinum Select Credit Card

  4. Deem Miles Up Master Credit Card

  5. 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…

  1. Citi Bank Credit Cards

  2. Mashreq Credit Cards

  3. Deem Credit Cards

  4. CBD Credit Cards

  5. 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:

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

How to use a credit card in UAE?

  1. Pay your full credit card bills before due dates
  2. Make high-value purchases at the beginning of the billing cycle
  3. Track your spending habits
  4. Always check your credit card statements
  5. 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 ;

  1. Percentage Rate of Interest
  2. Minimum due repayment requirements
  3. Charges & Other Fees
  4. Minimum monthly Income/ salary Criteria to be eligible for
  5. Annual fees of the credit card
  6. Loyalty point system or card rewards
  7. Cash back offers on your highest monthly spends i.e. travel or grocery  
  8. FX Rates on foreign transactions
  9. 0% EMI offers availability 
  10.  Balance Transfer facility

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.

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.
 

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.

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