Best Credit Cards in UAE
This article will discuss the best credit cards in the UAE, but first, let’s gain an understanding of what credit cards are and how they function.
Credit cards are a small, flat piece of plastic or metal provided by a bank or financial services company. It lets cardholders borrow money to make purchases from merchants that accept card payments.
Credit cards require cardholders to repay the borrowed money, along with any applicable interest and agreed-upon charges, either in full by the due date or gradually over time.
Regulations mandate that credit card issuers must grant a minimum grace period of 21 days before interest begins accumulating on purchases.
Stores, banks, or other financial institutions issue credit cards, which frequently come with benefits such as cash back, discounts, or reward miles.
Best Credit Cards in UAE
Abu Dhabi Commercial Bank
Talabat ADCB credit card
Features:
- Minimum monthly salary of AED5,000
- Free for life (no annual fee charged)
- AED500 welcome bonus
- Airport lounge access
- Talabat credit on spends
- Unlimited free delivery on talabat
- Personalized card design
Citibank
Citi Simplicity Card
Features:
- Minimum monthly salary of AED5,000
- Free for Life
- Purchase Protection & Extended Warranty
- Dining Discounts
- No cashback reward
- No loyalty points on spends
- Purchase protection and extended warranty
- Travel insurance
- No late payment fee
- No cash advance or over limit fee
- Competitive interest rates starting from 3.5%.
Emirates NBD
Mastercard Titanium Credit Card
Features:
- Minimum monthly salary of AED5,000
- Free for Life
- Lifestyle Benefits
- Airport Lounge Access
- Golf Benefits
- Travel Benefits
Emirates Islamic
Skywards Signature Credit Card
Features:
- Minimum monthly salary of AED12,000
- Annual fee of AED735
- Up to 3.5 Skywards Miles per USD spent
- Fast track upgradation to Emirates Skywards Gold Tier Membership
- Lounge access
- Valet parking
- Complimentary golf
- Complimentary Reel Cinemas movie tickets
- 20% of on Emaar Entertainment attractions
- Multi trip travel insurance
Liv.
Platinum Credit Card
Features:
- Minimum monthly salary of AED10,000
- Free for life
- Airport lounge access
- 2 free Reel Cinemas tickets every month
- Annual cashback of up to AED12,000
- Lifestyle benefits
Emirates NBD
LuLu 247 Titanium Credit Card
Features:
- Minimum monthly salary of AED5,000
- No annual fee (Free fror life)
- Special member benefits at LuLu including priority checkout, early access to sales and promotions, free shipping on LuLu online and other discounts
- Lounge access
- LuLu points
- Balance transfer
- Movie discounts
- Interest rate of 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher.
Citibank
Emirates Ultimate Card
Features:
- Minimum monthly salary of AED18,000
- Annual fee of AED800
- Unlimited global airport lounge access
- Golf benefits
- Dining discounts
- Skywards miles
- Movie rebates
- Cash loan
- Easy installment plan
HSBC
Premier Credit Card
Features:
- Own a HSBC Premier account
- Skywards miles
- Dining discounts
- Shopping discounts
- VIP lounge access
- Travel discounts
- Free WiFi
- Valet parking
- Travel insurance
- Global premier status
Emirates NDB Credit Cards UAE
Features:
- Minimum monthly salary of AED30,000
- AED1,575 annual fee
- Welcome bonus
- Valet parking
- Golf benefits
- Complimentary Emirates Skywards Silver membership upgrade
- Concierge services
Mashreq Bank
Platinum Elite Credit Card
Features:
- Minimum monthly salary of AED7,000
- Fitness First Access
- AED 1,500 welcome bonus if you are a new credit card customer (AED 200 for existing credit card holders)
- 20% cashback at Noon, Talabat, DubaiNow & more
- Annual fee of AED 650
- Up to 5 Salaam Points per AED spent
- Travel benefits
- Airport pick up/drop off
- Skywards miles
- Airport lounge access
HSBC
Zero Credit Platinum Card
Features:
- Minimum monthly salary of AED10,000
- Dining discounts
- Shopping discounts
- Purchase protection
- Free for life (no annual fees)
- Extended warranty
- Interest free
RAKBANK
Emirates Skywards World Elite Mastercard Credit Card
Features:
- Minimum monthly salary of AED25,000
- Annual fee of AED1,499
- Automatic silver tier membership
- 15% discount on ‘Buy and Gift Miles’
- Up to 40,000 skywards miles on all spendings
- Airport lounge access
Deem Finance
Mastercard Titanium Cash Up Credit Card
Features:
- Monthly salary of AED5,000
- No annual fee for first year
- Cashback
- 10% off car rental
- Airport lounge access
- Up to 10% back on hotel bookings
Mashreq Bank
Noon Credit Card
Features:
- Minimum salary of AED5,000 monthly
- Free for life (no annual fees)
- 5% cashback for spends on noon, NowNow & Sivvi
- AED 1,000 welcome bonus if you are a new credit card customer (AED 100 for existing credit card holders)
- 3.85% monthly interest rate
- Interest free period up to 57 days
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