Best Credit Card in UAE - January 2026 | Top Credit Card in Dubai

Best Credit Cards in UAE - January 2026 Comprehensive Category wise Top Rated Credit cards List

Check the best credit card in UAE that suit you from Paisabazaar UAE. Top Credit Cards list in every category i.e. Visa, Etihad Miles, Master, Airmiles, Platinum Elite, Travel, Shopping, Islamic, Golf and more. You can find fine-tuned filtered list to sort out the best credit cards on the basis of exactly what you need like the best interest profit rates, no or minimum annual fee, along with various reward points and cashback benefits. And that’s not all, you can further down to view the best travel credit cards base on features like free for life credit cards, Cashback credit cards, balance transfers, airport lounge access and more at Paisabazaar.ae. Once you are aware of the factors and fees to be considered, you can easily find the best credit card in UAE for yourself.

Table of Content

Best Credit Cards in UAE - January 2026 Comprehensive Category wise Top Rated Credit cards List
Best Credit Card in UAE January 2026 - List of Top 10 Best Credit Cards
1. Liv. World Credit Card
2. ADCB Talabat Credit Card
3. RAKBANK Skywards World Elite Mastercard Credit Card
4. CBD Smiles Visa Platinum Credit Card
5. Emirates NBD Mastercard Titanium Credit Card
6. Emirates NBD Go4it Gold Credit Card
7. CBD Visa Infinite Credit Card
8. ADCB LULU Platinum Credit Cards
9. Citibank Citi Prestige Credit Card
10. FAB SHARE Platinum Credit Card
List of 20+ Best Credit Cards in UAE for 2026 – Annual fees, Minimum Salary required & Features
Types of Credit Cards in UAE
Best Cashback Credit Cards in UAE for January 2026
FAQ's About Best Credit Card in UAE

Best Credit Card in UAE January 2026 - List of Top 10 Best Credit Cards

Paisabazaar UAE brings you the well-researched list of the best credit cards in UAE for January 2026 across all top-preferred categories like cashback, rewards, balance transfer, and more. Each category contains some excellent options for credit cards and their features. Below is the Name list of #1 ranked Credit Card in every category based on usage and type - later in the section we will discuss the complete top 10 card list in every category and also each cards complete details with features and benefits.

Below are the complete details of all top ranked credit cards in every category mentioned above in the table -:

1. Liv. World Credit Card

Liv.Liv. World Credit Card

Minimum Salary (AED)10,000

Annual Fee (AED)700

Features

Cashback
Airport Lounge Access
Special Discounts
Skywards Miles
Flight bookings

Credit Card	Features	Benefits
Liv. World Credit Card	Minimum monthly income required – AED 10,000 Cashback Airport Lounge Access	Up to AED 18,000 annual cashback Up to 15% cashback on transactions Up to 1 Skywards Miles for every AED 1 spent

2. ADCB Talabat Credit Card

Abu Dhabi Commercial BankAbu Dhabi Commercial Bank talabat ADCB Credit Card

Minimum Salary (AED)5,000

Annual Fee (AED)Free for Life

Features

Free for Life
AED 500 Welcome Bonus
Talabat credit on spends
Unlimited free delivery on talabat
Personalized card design
Airport Lounge Access

Credit Card	Features	Benefits
ADCB Talabat Credit Card	Minimum monthly income required – AED 10,000 Free for Life AED 500 Welcome Bonus	Welcome bonus of AED 500 on a minimum spend of AED 2,500 in the first 45 days 35% back on the first 10 talabat orders Get up to 1.25% talabat credit on retail purchases

3. RAKBANK Skywards World Elite Mastercard Credit Card

RAKBANKRAKBANK Emirates Skywards World Elite Mastercard Credit Card

Minimum Salary (AED)20,000

Annual Fee (AED)1,499

Features

Airport Lounge Access
Special Discounts
Skywards Miles
Skywards Silver Membership
Skywards Gold Membership

Credit Card	Features	Benefits
RAKBANK Skywards World Elite Mastercard Credit Card	Minimum monthly income required – AED 10,000 Airport Lounge Access Special Discounts	Up to AED 1,000 Emaar gift card on eligible spends Up to 40,000 Skywards Miles per month Upgrade to Emirates Skywards Gold Tier Status Get 50% additional Skywards Miles in the first 3 months A bonus of 160,000 Skywards Miles

4. CBD Smiles Visa Platinum Credit Card

Commercial Bank of DubaiCommercial Bank of Dubai Smiles Visa Platinum Credit Card

Minimum Salary (AED)5,000

Annual Fee (AED)199

Features

Lifestyle Benefits
Movie Discounts
Dining Discounts

Credit Card	Features	Benefits
CBD Smiles Visa Platinum Credit Card	Minimum monthly income required – AED 5,000 Lifestyle Benefits Movie Discounts	90 days free subscription to Unlimited ‘Buy 1 Get 1’ Offers worth AED 55 Up to 2 Smiles points on international purchases Up to 1.5 Smiles points on local purchases Up to 50% off on cinema tickets at NOVO Cinemas

5. Emirates NBD Mastercard Titanium Credit Card

Emirates NBDEmirates NBD Mastercard Titanium Credit Card

Minimum Salary (AED)5,000

Annual Fee (AED)Free for Life

Features

Free for Life
Lifestyle Benefits
Airport Lounge Access
Golf Benefits
Travel Benefits

Credit Card	Features	Benefits
Emirates NBD Mastercard Titanium Credit Card	Minimum monthly income required – AED 5,000 Free for Life Lifestyle Benefits	Free access to more than 10 VIP airport lounges Up to 1 Plus Point on every AED 100 spent Get AED 300 worth of noon.com voucher Up to 40% discount at more than 100 international golf courses

6. Emirates NBD Go4it Gold Credit Card

Emirates NBDEmirates NBD Go4It Gold Credit Card

Minimum Salary (AED)6,000

Annual Fee (AED)103.95

Features

Cashback
Dining Discounts
Insurance

Credit Card	Features	Benefits
Emirates NBD Go4it Gold Credit Card	Minimum monthly income required – AED 6,000 Cashback Dining Discounts	Up to 5 Plus Points on every AED 400 spent Complimentary Rides on Dubai Ferry

7. CBD Visa Infinite Credit Card

Commercial Bank of DubaiCommercial Bank of Dubai Visa Infinite Credit Card

Minimum Salary (AED)15,000

Annual Fee (AED)1st Year Free*

Features

Free for 1st year
Welcome Bonus
Airport Lounge Access
Movie Discounts
Dining Discounts
Valet Parking

Credit Card	Features	Benefits
CBD Visa Infinite Credit Card	Minimum monthly income required – AED 15,000 Free for 1st year Welcome Bonus	Welcome offer of AED 2,000 cashback on spending at least AED 20,000 on a new card within the first 30 days Up to 50% discount on movie tickets

8. ADCB LULU Platinum Credit Cards

Abu Dhabi Commercial BankAbu Dhabi Commercial Bank LULU Platinum Credit Card

Minimum Salary (AED)15,000

Annual Fee (AED)Free for Life

Features

Free for Life
Lifestyle Benefits
Airport Lounge Access

Credit Card	Features	Benefits
ADCB LULU Platinum Credit Cards	Minimum monthly income required – AED 15,000 Free for Life Lifestyle Benefits	Up to 5 LULU points on every AED 1 spent 0% interest payment plan on education fee payment

9. Citibank Citi Prestige Credit Card

CitibankCitibank Citi Prestige

Minimum Salary (AED)30,000

Annual Fee (AED)1,500

Features

Welcome Bonus
Airport Lounge Access
Movie Discounts
Dining Discounts
Golf Benefits
Travel Insurance
Purchase Protection & Extended Warranty

Credit Card	Features	Benefits
Citibank Citi Prestige Credit Card	Minimum monthly income required – AED 30,000 Dining Discounts Golf Benefits	A signup bonus of AED 600 Up to 3 ThankYou points per USD spent Transfer points to 12 partner airlines

First Abu Dhabi BankFirst Abu Dhabi Bank FAB SHARE Platinum Credit Card

Minimum Salary (AED)10,000

Annual Fee (AED)AED 1,000

Features

Lifestyle Benefits
Movie Discounts
SHARE points
Protection Benefits

Credit Card	Features	Benefits
FAB SHARE Platinum Credit Card	Minimum monthly income required – AED 10,000 SHARE points Protection Benefits	Up to 7% SHARE points at Carrefour for every AED 1 spent Up to 4.25% SHARE points on shopping at the Mall of the Emirates and City Centres in the UAE Up to 6.25% SHARE points at Ski Dubai, Dreamscape, Little Explorers, VOX Cinemas, Magic Planet, and iFLY Dubai

List of 20+ Best Credit Cards in UAE for 2026 – Annual fees, Minimum Salary required & Features

Credit Card	Minimum Salary Requirement	Annual Fee	Key Feature
Liv. Cashback Card	AED 5,000	No Annual Fee	Cashback
Citibank Citi Simplicity Card	AED 5,000	No Annual Fee	Free for Life
HSBC Live+ Card	AED 5,000	Free for the First Year AED 299 From Second Year Onwards	Cashback
FAB Rewards Indulge Card	AED 5,000	No Annual Fee	Reward Points
Deem Finance Titanium Mastercard	AED 5,000	Free for the First Year AED 200 From the Second Year Onwards	Reward Points
Emirates NBD Mastercard Titanium Card	AED 5,000	No Annual Fee	Free for Life
Emirates Islamic Cashback Card	AED 5,000	AED 367.5	Cashback
HSBC Max Rewards Card	AED 10,000	Free for the First Year AED 600 From Second Year Onwards	Reward Points
Citibank Citi Ready Card	AED 8,000	Free for the First Year AED 300 From Second Year Onwards	No Annual Fee for the First Year
NBQ Gold Card	AED 8,000	No Annual Fee	Free for Life
Deem Finance Platinum Mastercard	AED 10,000	No Annual Fee	Free for Life
FAB Low-Rate Card	AED 10,000	AED 300	Low Interest Rate
Emirates Islamic Cashback Plus Card	AED 12,000	AED 313.95	Cashback
Emirates NBD Lulu 247 Platinum Card	AED 15,000	AED 262.5	Welcome Bonus
Emirates Islamic Flex Elite Card	AED 15,000	AED 735	Reward Points
Citibank Citi Premier	AED 15,000	AED 750	Welcome Bonus
Emirates NBD Dnata World Card	AED 20,000	AED 1,049	Cashback
NBQ Infinite Card	AED 30,000	AED 1,000	Airport Lounge Access
Citibank Citi Prestige Card	AED 30,000	AED 15,000	Welcome Bonus
Citibank Citi Ultima Card	AED 36,750	AED 3,000	Travel Perks

see more cards

Category-wise List of Top Preferred Best Credit Cards based on User selection and R & D Team of Paisabazaar.ae for following categories -

Types of Credit Cards in UAE

1. Cashback Credit Cards in UAE

2. Reward Offers Credit Cards

3. Free for Life Credit Cards

4. 0 Balance Transfer Credit Cards

5. Airport Lounge Access Credit Cards

6. Air Miles Credit Cards

7. Cinema Offers Credit Cards

8. Grocery Shopping Credit Cards

Best Cashback Credit Cards in UAE for January 2026

With a cashback credit card, you can earn cash rewards on your purchases! The best credit card in UAE usually offer cashback points on supermarket purchases, grocery shopping, and payment of education fees, utility bills, fuel bills, dining, and government services.

Here are the best cashback credit cards in the UAE —

Credit Cards	Credit Card Offers	Apply
Citibank Citi Cashback Card	3% cashback on international spends 2% cashback on grocery spends 1% cash back on other spends	Apply Now
Commercial Bank of Dubai Super Saver Credit Card	0.5% cashback on all other spending3% cashback on bills, supermarket, and transport for a monthly spend between AED 3,000 and AED 9,999.99 5% cashback on bills, supermarket, and transport for monthly spends between AED 10,000 and AED 19,999.99 10% cashback on bills, supermarket, and transport for a monthly spend above AED 20,000	Apply Now
First Abu Dhabi Bank Cashback Card	Up to AED 600 monthly cashback Up to 10% cashback on hotel bookings 5% cashback on dining out and shopping supermarket purchases 3% cashback on international transactions dining and school fees 1% cashback on other spendinginternational spending 0.15% cashback on other spends	Apply Now
Emirates Islamic RTA Card	Up to 10% cashback on RTA transport payments and fuel spends Up to 2.25% cashback on international spends Up to 1.25% cash back on other shopping and spends	Apply Now
RAKBANK World Mastercard Credit Card	Up to 1500 cashback monthly 4% cashback on all category spending Up to 10% cashback on supermarket and travel Up to 5% cashback on international spending Up to 3% cashback on domestic spending	Apply Now

Best Rewards Offers Credit Cards in UAE for January 2026

Tabled below are some of the best credit card in UAE with incredible rewards —

Credit Cards	Credit Card Offers	Apply
FAB Manchester City Titanium Card	20% discount on 3 rides per month with Careem Avail of all Mastercard benefits	Apply Now
Emirates NBD Dnata World Credit Card	Travel vouchers up to AED 2,500 as a welcome bonus 15% Dnata points for purchases at Dnata 15% Dnata points on Costa Coffee, Giraffe, Dnata Travel, and City Sightseeing 10% Dnata points at Al Hamra Cellar, Le Clos, MMI, Arabian Adventures, and Duty-Free shopping 2% Dnata points on retail spending	Apply Now
Liv. Platinum Credit Card	10% discount on Hotels.com Up to 15% cashback on transactions or up to 1 Skywards Mile on every AED 1 spent	Apply Now
Dubai First Cashback Card	Up to 5% cashback on spending at supermarket, dining, and fuel Up to 3% cashback on international spending Up to 1% cashback on other purchases	Apply Now
ADCB LULU Titanium Credit Card	Up to AED 250 with LULU points on a minimum spend of AED 2,000 Up to 0.2 LULU points for spends on fuel, government service, telecommunication, transport, real estate, education, and charity Up to 0.4 LULU points for spending on supermarkets, insurance, auto dealers, and quick service restaurants	Apply Now

Best Free for Life Credit Cards in UAE for January 2026

These are the top credit cards in UAE that have 0 annual fees. This way, you can spend and get offers and rewards without worrying about any annual fee.

Here are some of the best credit cards in UAE that are free for life —

Credit Cards	Credit Card Offers	Apply
Commercial Bank of Dubai Visa Platinum Card	Get CBD rewards on all spends Discount on Emaar entertainment 50% discount on movie tickets at NOVO Cinemas 0% interest on balance transfer Cash on Call — 6 and 12-month plans — within the first 30 days of card issuance	Apply Now
FAB SHARE Standard Credit Card	Up to 7% SHARE points at Carrefour for every AED 1 spent Up to 5.25% SHARE points at VOX Cinemas, Magic Planet, iFLY Dubai, Ski Dubai, Dreamscape, and Little Explorers Up to 3.25% SHARE points on shopping at the Mall of the Emirates and City Centres in the UAE Up to 1.75% SHARE points on international purchases, online shopping, and other retail spending	Apply Now
ADCB Talabat Credit Card	Welcome bonus of AED 500 on spending AED 2,500 in the first 45 days 35% back on the first 10 talabat orders each month 1.25% talabat credit on other retail purchases	Apply Now
Emirates NBD LULU 247 Titanium Credit Card	Up to 3.5% LULU points on daily expenses 0% balance transfer as welcome offer (if the application is not sourced through TAB) ‘Buy 1 Get 1’ offer on VOX Cinema tickets Access to 10+ domestic and international airport domestic lounges	Apply Now
Deem Finance Deem Platinum Mastercard Credit Card	Free access to valet parking services Exclusive ‘Buy 1 Get 1’ offers Access to more than 25 Middle East and Levant airport lounges Up to 20% on international Avis car rentals Up to 10% off on hotel bookings via booking.com	Apply Now

Best 0% Balance Transfer Credit Cards in UAE for January 2026

Some of the best credit card in Dubai and UAE help you manage your debt better. These cards offer a feature of 0% balance transfer — you can transfer your existing credit card debts to a new credit card and repay your debts faster.

Tabled below are the best credit cards in UAE with 0% balance transfer —

Credit Cards	Credit Card Offers	Apply
CBD Visa Platinum Card	0% interest on balance transfer and cash on call facility within first 30 days of card issuance	Apply Now
Dubai First Low-Rate Credit Card	0% balance transfer for up to 18 months	Apply Now
Emirates NBD Lulu 247 Titanium Credit Card	0% balance transf	Apply Now
RAKBANK Emirates Skywards World Elite Mastercard Credit Card	Zero processing fee on balance transfer	Apply Now
CBD Visa Infinite Credit Card	0% interest on balance transfer and cash on call facility within first 30 days of card issuance	Apply Now

Best Airport Lounge Access Credit Cards in UAE for January 2026

Airport lounge access is one of the many eye-catching benefits of the top credit cards in UAE. When you choose a credit card with this feature, you can access the top airport lounges with facilities for relaxing and enjoying amenities like snacks, WiFi, and beverages.

Check out the best credit cards in Dubai with airport lounge access below —

Credit Cards	Credit Card Offers	Apply
Citibank Citi Rewards Credit Card	Unlimited complimentary access to 1,200 international airport lounges via the Mastercard Travel Pass application	Apply Now
CBD One Credit Card	Free access to over 1,000 international airport lounges	Apply Now
FAB Du Titanium Credit Card	Complimentary access to over 10 VIP airport lounges in the UAE, Jordan, Egypt, Saudi Arabia, and Kuwait	Apply Now
Dubai First Cashback Credit Card	Unlimited complimentary access to selected airport lounges	Apply Now
Emirates NBD Marriott Bonvoy World Credit Card	Unlimited complimentary access to more than 1,000 international airport lounges	Apply Now

Best Air Miles Credit Cards in UAE for January 2026

If you are a frequent traveller, these are some of the best credit cards in UAE. With the travel credit cards, you get not only air miles but also offers on hotel bookings and more. Mentioned below are the top air miles credit cards in UAE —

Credit Cards	Credit Card Offers	Apply
FAB Etihad Guest Platinum Credit Card	Get a 25% Etihad Guest Miles discount voucher when you spend AED 100,000 or more per year 2 Etihad Guest Miles on every AED 10 spent locally 3.5 Etihad Guest Miles on every AED 10 spent internationally 4 Etihad Guest Miles on every AED 10 spent internationally or locally while enrolling into the Miles Accelerator Program	Apply Now
Emirates Islamic Etihad Guest Platinum Credit Card	Up to 3.5 Etihad Guest Miles on international spends Welcome bonus of 10,000 Etihad Guest Miles Total retail spend of AED 50,000 or more within 6 months — 45,000 Etihad Guest Miles	Apply Now
FAB Etihad Guest Signature Credit Card	Get a 50% Etihad Guest Miles discount voucher when you spend at least AED 150,000 per year 2.75 Etihad Guest Miles on every AED 10 spent locally 4.5 Etihad Guest Miles on every AED 10 spent internationally 5.5 Etihad Guest Miles on every AED 10 spent towards Etihad or Etihad Airways Partners 6.5 Etihad Guest Miles on every AED 10 spent internationally or locally while enrolling in the Miles Accelerator Program	Apply Now
Emirates NBD Skywards Infinite Credit Card	Earn Skywards Miles on spending amount equivalent to USD 1 2 Skywards Miles for spends on Emirates, Duty-Free, Car booking applications, fly Dubai, and online food delivery apps 1.5 Skywards Miles on international spends 1 Skywards Mile on local purchases Earn an additional 50% Skywards Miles by enrolling in the Skywards Express Miles Program	Apply Now
Emirates Islamic Emarati Credit Card	Up to 3.75 EI SmartMiles on every AED 1 spent on international purchases Up to 2.25 EI SmartMiles on every AED 1 spent on local purchases	Apply Now

Best Cinema Offers Credit Cards in UAE for January 2026

With some of the best credit card in UAE, you can enjoy cinema tickets discounts, complimentary tickets, and other exclusive deals when you purchase movie tickets using these credit cards.

Here’s a list of the best cinema offer credit cards in the UAE —

Credit Cards	Credit Card Offers	Apply
Citibank Citi Prestige Credit Card	6 ‘Buy 1 Get 1 Free’ movie tickets every month at VOX Cinemas (4 tickets) and REEL Cinemas (2 tickets)	Apply Now
CBD Smiles Visa Platinum Credit Card	50% off on 2 movie tickets at NOVO Cinemas every calendar month — simply spend AED 2,000 or more in a month	Apply Now
FAB Blue FAB Platinum Credit Card by Al-Futtaim	Get up to 4 movie tickets per month for AED 15 on weekdays and AED 20 over the weekends at REEL Cinemas and Cine Royal (with a minimum monthly spend of AED 3,000)	Apply Now
Emirates NBD U By Emaar Family Credit Card	‘Buy 1 Get 1’ Free offer on movie tickets at REEL Cinemas and complimentary soft drinks and popcorn with every movie	Apply Now
Emirates Islamic Switch Cashback Credit Card	Get up to 2 complimentary ‘Buy 1 Get 1 Free’ movie tickets every month at any time of the week at VOX Cinemas or REEL Cinemas with a minimum spend of AED 5,000 per month	Apply Now

Best Grocery Shopping Credit Cards in UAE for January 2026

The top credit cards in UAE are not only for luxury spends — you can get rewards on grocery shopping and purchasing from supermarkets too. The rewards could be cashback or exclusive discounts. Mentioned below are the best grocery shopping credit cards in the UAE —

Credit Cards	Credit Card Offers	Apply
Dubai First Cashback Card	Up to 5% cashback on spending at supermarkets	Apply Now
Emirates Islamic Switch Cashback Credit Card	Up to 4% cashback on spends related to supermarkets	Apply Now
RAKBANK World Mastercard Credit Card	Up to 10% cashback on spending at supermarkets	Apply Now
RAKBANK Titanium Mastercard Credit Card	Up to 5% cashback on spending at supermarkets	Apply Now
Citibank Citi Cashback Card	Up to 2% cashback on grocery spends	Apply Now

FAQ's About Best Credit Card in UAE

Ans: You can find the best credit cards from Citibank, Commercial Bank of Dubai, First Abu Dhabi Bank, Emirates NBD, Emirates Islamic, Dubai First, Abu Dhabi Commercial Bank, Liv., Deem Finance, and RAKBANK.

Ans: When planning to buy the best credit card in UAE, you should look into the following factors — annual fees, spending habits, rewards and benefits, credit shield insurance, international expenses, instalment plans, supplementary cards, and more.

Ans: The minimum monthly salary to apply for a credit card is AED 5,000.

Ans: You can easily get a credit card in UAE via Paisabazaar.ae. This is a third-party aggregator with an easy user interface and top options from a variety of providers. Simply fill in the lead form and follow the instructions thereon.

Ans:The documents required to apply for a credit card in UAE include –

Emirates ID
Passport copy
Recent salary certificate (for salaried employees)
Last 3 months’ bank statements
Trade licence (for a self-employed individual)
Security cheque

Ans: The minimum credit score to apply for credit card in the UAE is 650541. However, note that the actual requirements may vary as per the bank

Ans: The best cashback credit cards in UAE are –

Citi Cashback Card
CBD Super Saver Card
Emirates Islamic RTA Card
Emirates Islamic Cashback Card
FAB Cashback World Card

Ans: With a cashback credit card, you get cashback credited to your account (reflected in your next bill statement) that you can use to buy anything. Reward point credit cards, however, give points within a set period. You can use these points to buy products from the lender’s website.

Ans: Some of the most affordable cards are-