Best Balance Transfer Credit Cards in UAE

Credit cards may help you in overcoming your debts; however, sometimes they might also put you under a burden of debt. Paying back your credit card debt can be difficult, especially if all you have been paying is minimum payments monthly.

In these situations, you can opt for the facility of balance transfer on your credit card in UAE. Nowadays, you will easily come across various banks that offer balance transfer credit cards in UAE, which lets you transfer the outstanding balance from one bank account to another.

We have compiled a list of some of the top balance transfer cards in UAE for you.

Top 6 Balance Transfer Credit Cards for May 2025 in UAE

1. Emirates NBD MasterCard Titanium Credit Card

This Emirates card gives you the option to enjoy a host of features & benefits. These features & benefits may include golf offers, access to airport lounges, reward points, several discounts, and many more. This credit card is amongst the leading ones in the balance transfer category.

2. CBD World MasterCard Credit Card

This credit card by Commercial Bank of Dubai promises to provide you with a host of special privileges and amazing experiences. You can enjoy features and benefits such as CHIP & PIN, access to airport lounges, balance transfer, CBD rewards, and more.

The balance transfer option on this card can be availed in two options- regular and revolving balance transfer.

• Revolving Balance Transfer Processing Charges: 100 dirhams or 4 percent (the higher one)
• Regular Balance Transfer Rate of Interest: Up to 0.89 percent monthly (flat)
• Revolving Balance Transfer Cancellation Fees: 2 percent on the balance remaining
• Annual Charges: 750 dirhams (1^st year free)
• Retail Finance Charges: 3.45 percent monthly

3. HSBC Advance Credit Card

With this HSBC card, you can enjoy air miles in the form of rewards and a free Entertainment App by HSBC. You also get to enjoy a wide collection of travel and lifestyle benefits that include hotel discounts, airport lounge free access, and much more.

Being amongst the best balance transfer credit cards, it allows you to enjoy balance transfer facility at reducing interest rate monthly, zero percent for the balance transfer plan term. Here are the fees charged on this facility.

• On six months’ plan: 1.50 percent or 100 dirhams (the higher one)
• On 12 months’ plan: three percent or 100 dirhams (the higher one)
• On 24 months’ plan: six percent or 100 dirhams (the higher one)

4. ADIB Value Credit Card

This ADIB card allows you to earn rewards on domestic as well as international spends. You can enjoy a world of privileges and benefits such as complimentary flight tickets, vouchers at shopping malls, and a maximum discount of 25 percent on selected restaurants throughout UAE, and many more.

5. RAKBANK Red Credit Card

If you want to pay less on your shopping, then this RAKBANK credit card can be ideal for you. It allows you to save time using contactless technology. Moreover, you can also stay protected with amazing features such as coverage for travel accident, credit shield, purchase protection, and more.

You can also transfer funds using the RAKMoney Transfer facility. The balance transfer facility on this card can be availed at a certain interest rate.

• Retail Finance Charges: 3.45 percent monthly
• Interest Rate for Balance Transfer: 1.50 percent monthly
• Early settlement or cancellation fee on balance transfer: 249 dirhams

6. First Abu Dhabi Bank Etihad Guest Platinum Credit Card

This credit card comes with unique sign-up benefits for you along with other benefits such as airport transfers, earning Etihad guest miles, movie offers, discounts on golf, facility for money transfer, shopping offers, and much more. Moreover, this FAB credit card also provides protection benefits including extended warranty, credit shield, and purchase protection.

You have the option of settling your outstanding balances on credit cards with other banks within the Emirates by transferring the balances to this credit card.

• Annual Charges: 500 dirhams
• Retail Finance Charges: 3.50 percent monthly
• Transfer up to 90 percent of the pre-decided credit limit

Top 5 Balance Transfer Credit Cards in UAE for May 2025

Bank	Credit Card Name	Annual Fee (AED)	Minimum Salary (AED)
CBD	CBD Super Saver	420	8000
Emirates NBD	Emirates NBD Lulu Mastercard Titanium	Free for Life	5000
FAB	FAB Elite Infinite	Free for Life	40000
HSBC	HSBC Zero Credit Card	Free for Life	10000
United Arab Bank	United Arab Bank Visa Titanium	300	6000

Click here to Apply for Best Balance Transfer Credit Card in UAE

Global Village Ticket Offer on Credit Card

Summary on Best Balance Transfer Credit Card

If you wish to clear off your credit card debts but are not able to do so, then balance transfer credit cards in UAE can be a good option. In this article, we have listed some of the top credit cards under this category.

However, you must keep in mind that the list is not ranked as any order. You must always select the card that compliments your lifestyle requirements the best.

Best Credit Cards for 2025
Best Credit Card For Chauffeur Service UAE	Best Cashback Credit Card in UAE
Best Credit Card in UAE	Best Credit Card for Golfer in UAE
Best Travel Credit Card in UAE	Best Free for Life Credit Card in UAE
Best Credit Card for School Fees in UAE	Best Credit Cards for Business in UAE
Best Hotel Credit Cards in UAE

Credit card dues, coupled with compounding interest, can put you in a tough situation. But dealing with this might not be as difficult as you think. In such times, balance transfer credit cards come as a savior — these cards allow you to reduce financial stress. 

For instance, let’s say you have high outstanding dues on your credit card with a higher interest rate. In such a case, a balance transfer card allows you to move credit card balance to another financial institution that charges you a low interest rate. 

Let’s see what are the top 7 balance transfer credit cards and what other benefits these cards bring to you —

Top Balance Transfer Credit Cards in UAE

Tabled below are the top balance transfer Credit Cards for May 2025 in UAE —

Commercial Bank of Dubai Visa Platinum Card

Minimum Monthly Income : 5,000

Features and Benefits of Commercial Bank of Dubai Visa Platinum Card

• No annual fee 
• 0% interest on the facility of Balance Transfer 
• CBD Rewards — up to 1.5 points per AED spent
• Redeem your points on flight or opt for cashback, vouchers, and more
• 50% discount on 2 movie tickets at Novo Cinemas (monthly spend up to AED 2,000)
• 8% off on accommodations with Booking.com with this balance transfer cc
• 12% discount on 985,000+ hotels as well as rentals worldwide on Agoda
• Benefits like ‘Buy 1 Get 1’ on lifestyle, dining, and entertainment
• Cash transfer 90% of your credit limit and repay in 36 monthly installments
• 2-for-1 offers with ‘xperience’ (with Entertainment App) 
• Attractive interest rates with a repayment plan from 3 to 36 months

Commercial Bank of Dubai Visa Infinite Credit Card

Minimum Monthly Income : 15,000

Features and Benefits of Commercial Bank of Dubai Visa Infinite Credit Card

• No annual fee for the first year 
• 3 CBD Reward Points per AED spent
• 4 free golf rounds at Trump International Golf Club per month (subject to spend of AED 7,500 per month)
• 4 cinema tickets at 50% discount on VOX, Reel, and Novo Cinemas in the UAE (min spend AED 5,000)
• 20% off on beverages and food at Reel Cinemas (min spend of AED 20)
• Free Valtrans Valet Parking — 3 times a month (min spend AED 5,000)
• Complimentary access to airport lounges worldwide 
• Multi-trip travel Insurance for up to 90 days (up to USD 1 million)
• 12 complimentary visits per year at 1,000+ airport lounges worldwide 
• 8% discount at Booking.com and 12% off at Agoda 
• 20% discount on Emaar attractions like KidZania®, E-Kart Zabeel, Dig It, Dubai Aquarium and Underwater Zoo
• 15% off on tickets to the Dubai Ice Rink
• Bonus Credits for VR Park Dubai
• Additional benefits of Extended Warranty, Cash on Call, Purchase Protection, and Credit Shield

 

First Abu Dhabi Bank Low-Rate Credit Card

Minimum Monthly Income : 10,000

Features and Benefits of FAB Low-Rate Credit Card

• Up to 4 free supplementary cards 
• Interest rate starting from 1.5% for UAE nationals and 1.99% for expats
• 0% interest on Balance Transfers (up to 18 months for nationals and 12 months for expats)
• No foreign transaction fees (excluding currency conversion and scheme charges)
• Easy payment management through the FAB mobile app
• Quick Cash at affordable rates 
• Wallet Shield to cover fraudulent transactions

Dubai First Low-Rate Card

Minimum Monthly Income : 5,000

Features and Benefits of Dubai First Low-Rate Card

• 0% interest Balance Transfer and Quick Cash
• Unlimited free access to airport lounges
• 8% discount on travel with Cleartrip
• Up to 20% off on car rental with Avis and a complimentary upgrade 
• Book Visa appointment through Fulfill Solutions (fee of USD 15)
• Discount of 10% on Booking.com and Rentalcars
• Accident coverage up to AED 150,000
• 10% of your credit outstanding covered for up to 12 months with Credit Shield
• Convert purchases of AED 500 and above in installments 
• Pay 100% outstanding balance and get free credit period of up to 56 days
• Up to 4 cinema tickets every month for AED 20
• Enjoy 20% discount on F & B for the whole year 
• 20% discount on rides booked by Careem
• Buy 1 Get 1 offer on 900+ options like spa treatments, travel, dining and more
• Shop at over 100,000 US retailers 
• Free MyUS premium membership for 2 years and 30% discount on shipping for the first month
• 15% discount on shopping, chauffeur drive experience, and access to VIP lounges
• Discount of 30% at Lingokids (app for kids to learn English) and 2-month free trial for new users
• 10% off on luxury clothing and same-day delivery

Dubai First Low-Rate Card for UAE Nationals

Minimum Monthly Income : 5,000

Features and Benefits of Dubai First Low-Rate Card for UAE Nationals

• Rate as low as 1.5% per month 
• Up to 8% discount on Cleartrip 
• Travel visa assistance
• 10% back on Booking.com and Rentalcars
• Additional benefits of Accident Shield and Credit Shield 
• Free MyUS premium membership for 2 years at 100,000 U.S. retailers

How to Apply for Balance Transfer Credit Cards via Paisabazaar UAE?

Why juggle between the sites when you can get all the details on a single page itself! That’s right, Paisabazaar.ae filters the information and presents the most relevant cards to you.

On our platform, you can compare the best credit balance transfer cards and choose the one that best fits your needs. On top of that, you can apply for a card within a few minutes by following some simple steps —

• On paisabazaar.ae, look for ‘Banking Products’. 
• Click on ‘Credit Cards in UAE’.
• Fill out the form carefully. 
• Submit it to view the credit card quotes page.
• Apply filters to get a list of credit card balance transfer offers.
• Compare the options and apply for a suitable card.

Note: One of Paisabazaar UAE’s officials will go through your application and notify you about any additional documents (if needed). They will also assist you with the next steps.

How to Choose the Right Balance Transfer Credit Card?

Check out the steps to find the credit card with balance transfer —

• Thoroughly research the top balance transfer credit cards. 
  Look for cards with favourable terms like low interest rates, longer promotional periods, and reasonable bank transfer fees. 
• Check your eligibility for the selected credit balance transfer card and ensure you meet the requirements.
• Stay updated with your card details: interest-free periods, processing fees, and credit limit (whether it's sufficient given your outstanding debt).
• Once decided, apply for the balance transfer cc by submitting your application online. 

How to Use a Balance Transfer Credit Card in the UAE?

Let’s quickly understand how you can transfer your outstanding debt from one card to another within the UAE — 

• After getting the approval, specify the amount you want to transfer from your existing card to the new card.
  Note: Transfer amount is subject to a maximum limit (% of your credit limit on the new card).
• Carefully review the transfer request. Check the amount, fees, and the terms and conditions associated with the transfer. 
• After reviewing, complete the transfer and pay off your old credit card debt using the new one.
• Monitoring your new credit balance transfer card as well. Consider setting up Direct Debit to make payments automatically every month.

Note: Don’t leave your old card unattended after getting the new one — it’s important to make at least the minimum payments until the balance transfer is considered and reflected into your account.

Eligibility Criteria for Balance Transfer Credit Cards in the UAE

Though getting a credit balance transfer is easy, still you need to pass some requirements —

Note: Your registered bank may have different eligibility criteria. Hence, we recommend you connect with them beforehand. 

Also, make sure all your documents are valid and available with you.

Documents Required for Balance Transfer CC

Listed below are the documents that you may need while filing your credit card application —

• Emirates ID card and Passport (both original and copy)
• Salary certificate if you’re a salaried employee 
• Trade Licence — required if you are self-employed 
• Security Cheque 
• Last 3 months’ bank statements 

Note: Your bank may require additional documents besides the ones mentioned above. It’s better to check before than rushing later.

Frequently Asked Questions

How do I pay my credit card bill through balance transfer?

By choosing a balance transfer credit card, you can move your outstanding balance from a UAE credit card to a new credit card. You can then repay your dues in equal monthly instalments at a lower interest rate.

How to transfer money from credit card to bank account in UAE?

You need to add money to your e-wallet using a credit card and then transfer it to your bank account. Direct transfers can be a bit difficult or not possible in some banks.

Can I pay my credit card bill with another credit card in the UAE?

Yes, by going for credit card balance transfer offers, you can transfer your debt from one credit card to another.

Does transferring credit cards affect your credit Score?

Constantly opening new balance transfer credit cards and showing mishandling of credit can harm your credit score in the long term.