Best Credit Cards in UAE 2025

Get the best credit cards in the UAE with minimum paperwork! Look for top credit cards offering exclusive reward points, features and benefits.

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  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
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Most Popular Credit Card in UAE

Check out the best credit cards in UAE for every category — Visa, Etihad Guest Miles, Air Miles, Travel Rewards, Islamic Finance, Golf Benefits, Cashback, and more. On this page, explore the curated list of top credit cards in the UAE. Furthermore, find out more about credit cards with features like airport lounge access, balance transfer, and more only on Paisabazaar.ae. 

Considering the sheer number of options, it can be difficult to find the best credit cards in UAE. To help you out, we have curated a list of the top credit cards in UAE

What is a Good/Best Credit Card in UAE: Features and Benefits

Credit cards let you make purchases on credit by borrowing money from a bank. In the UAE, they are widely accepted and are essential financial instruments for both residents and expats. 

To know more about what a good credit card in UAE is, you need to find out about their features and benefits –

  • More Purchasing Power — A credit card allows you to make purchases even when your bank account is low, providing financial freedom.
  • Lucrative Rewards — Earn reward points on every purchase. Redeem these points for discounts on shopping, dining, flights, valet parking, and airport lounge access.
  • Easy Expense Tracking — Credit card statements are easily accessible via email and phone, which helps you monitor and manage your spending effectively.
  • Convenience — No need to carry cash! Credit cards are easy to use — their tap-and-pay features make transactions quick and secure.
  • Emergency Aid — Credit cards provide a financial cushion for unexpected expenses when you don't have enough cash.
  • Builds Credit Score — When you use a credit card responsibly and make timely payments and manage expenses, it can improve your credit score. This, in turn, can lead to better interest rates and financial benefits.

Best Credit Cards in UAE – September 2025

This section brings you a well-researched list of the #1 best credit cards in UAE for the year. These credit cards are popular for features like cashback, balance transfer, rewards, and more. 

Here’s a list of the top 10 credit cards in UAE for your convenience —

1. Liv. Cashback Plus Credit Card

Liv. Cashback Plus Credit Card
Liv. Cashback Plus Credit Card

Liv.Liv. Cashback Plus Credit Card

Liv.Liv. Cashback Plus Credit Card

Minimum Salary (AED)12,000
Annual Fee (AED)700
feature-iconFeatures
  • Cashback
  • Airport Lounge Access
  • Special Discounts
  • Skywards Miles
  • Flight bookings


Best Offers of Liv. Cashback Plus Credit Card

  • Up to AED 1,500 monthly cashback
  • Cashback on all transactions
  • Up to 10000 Skywards Miles per month

2. Emirates Islamic RTA Credit Card

Emirates Islamic RTA Card
Emirates Islamic RTA Card

Emirates IslamicEmirates Islamic RTA Card

Emirates IslamicEmirates Islamic RTA Card

Minimum Salary (AED)5,000
Annual Fee (AED)No annual fee
feature-iconFeatures
  • Cashback
  • Nol Card
  • RTA Transport Payments
  • Fuel Spends


Best Offers of Emirates Islamic RTA Credit Card

  • Exclusive cashback on several categories
  • BOGO offers on Reel movie tickets
  • Hotel discounts with Visa Luxury Hotel Collection

3. Deem Platinum Mastercard Credit Card

Deem Platinum Mastercard
Deem Platinum Mastercard

Deem FinanceDeem Finance Deem Platinum Mastercard

Deem FinanceDeem Finance Deem Platinum Mastercard

Minimum Salary (AED)10,000
Annual Fee (AED)Free for Life
feature-iconFeatures
  • Free for Life
  • Airport Lounge Access
  • Cinema offers, Valet Parking and much more


Best Offers of Deem Platinum Mastercard Credit Card

  • 1% cashback on education fees
  • BOGO movie offers at Reel and VOx Cinemas
  • Hotel booking discounts
  • Food and grocery delivery offers

4. HSBC Cash+ Credit Card

HSBC Cash+ Credit Card
HSBC Cash+ Credit Card

HSBCHSBC Cash+

HSBCHSBC Cash+

Minimum Salary (AED)30,000
Annual Fee (AED)1st Year Free*
feature-iconFeatures
  • Free for 1st year
  • Cashback
  • Welcome Bonus
  • Dining Discounts
  • Travel Insurance


Best Offers of Cash+ Credit Card

  • A welcome bonus of AED 800 Amazon voucher
  • BOGO movie offers
  • 1% automatic cashback
  • 50% off on dining bills with complimentary Zomato Gold Dining membership (12-months)

5. Emirates NBD Mastercard Titanium Credit Card

Emirates NBD
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Emirates NBDEmirates NBD Mastercard Titanium Credit Card

Emirates NBDEmirates NBD Mastercard Titanium Credit Card

Minimum Salary (AED)5,000
Annual Fee (AED)Free for Life
feature-iconFeatures
  • Free for Life
  • Lifestyle Benefits
  • Airport Lounge Access
  • Golf Benefits
  • Travel Benefits

 

Best Offers of Emirates NBD Mastercard Titanium Credit Card

  • Free access to more than 10 VIP airport lounges
  • Up to 1 Plus Point on every AED 100 spent
  • Exceptional offers on shopping, dining, and travel
  • Up to 40% discount at more than 100 international golf courses 

6. Emirates NBD Go4it Gold Credit Card

Emirates NBD
bg-image

Emirates NBDEmirates NBD Go4It Gold Credit Card

Emirates NBDEmirates NBD Go4It Gold Credit Card

Minimum Salary (AED)6,000
Annual Fee (AED)103.95
feature-iconFeatures
  • Cashback
  • Dining Discounts
  • Insurance


Best Offers of Emirates NBD Go4it Gold Credit Card

  • Up to 5 Plus Points on every AED 400 spent
  • Complimentary Rides on Dubai Ferry

7. Citibank Citi Rewards Credit Card

Citibank Citi Rewards
Citibank Citi Rewards

CitibankCitibank Citi Rewards

CitibankCitibank Citi Rewards

Minimum Salary (AED)8,000
Annual Fee (AED)1st Year Free*
feature-iconFeatures
  • Free for 1st year
  • Travel Insurance
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Purchase Protection & Extended Warranty


Best Offers of Citibank Citi Rewards Credit Card

  • 30% off on 2 movie tickets with Vox Cinemas every month
  • 20% discount on food and grocery deliveries on the Talabat app
  • Up to 10% cashback on Booking.com

8. Deem Titanium Mastercard Credit Cards

Deem Finance Deem Titanium Mastercard
Deem Finance Deem Titanium Mastercard

Deem FinanceDeem Finance Deem Titanium Mastercard

Deem FinanceDeem Finance Deem Titanium Mastercard

Minimum Salary (AED)5,000
Annual Fee (AED)1st Year Free*
feature-iconFeatures
  • Free for 1st year
  • Flight Delay pass
  • Hotel Discounts
  • Cinema offers on VOX and REEL and much more

 

Best Offers of Deem Titanium Mastercard Credit Cards

  • BOGO cinemas ticket offers at Reel and Vox Cinemas
  • 20% discount food and grocery deliveries on the Talabat app
  • 20% off on car rentals

9. Citibank Citi Prestige Credit Card

Citibank
bg-image

CitibankCitibank Citi Prestige

CitibankCitibank Citi Prestige

Minimum Salary (AED)30,000
Annual Fee (AED)1,500
feature-iconFeatures
  • Welcome Bonus
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Golf Benefits
  • Travel Insurance
  • Purchase Protection & Extended Warranty


Best Offers of Citibank Citi Prestige Credit Card

  • A signup bonus of AED 600
  • Up to 3 ThankYou points per USD spent
  • Transfer points to 11 partner airlines

10. FAB SHARE Platinum Credit Card

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

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

Minimum Salary (AED)10,000
Annual Fee (AED)AED 1,000
feature-iconFeatures
  • Lifestyle Benefits
  • Movie Discounts
  • SHARE points
  • Protection Benefits

 

Best Offers of FAB SHARE Platinum Credit Card

  • 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

Best Credit Cards in UAE for All Your Requirements 

Here is the list of the top credit cards in UAE with different offers —

  • Cashback

  • Reward Offers

  • Free for Life

  • Airport Lounge Access

  • Air Miles

  • Cinema Offers

  • Grocery Shopping

Top 5 Cashback Credit Cards in UAE

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
HSBC Live+ Credit Card
  • 6% cashback on food delivery and dining 5% cashback on fuel
  • 2% cashback on education, entertainment and groceries
  • 0.5% cashback on all other spending
Apply Now
First Abu Dhabi Bank Cashback World Card
  • 5% cashback on dining out and shopping
  • 3% cashback on international transactions
  • 1% cashback on other spending
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
Liv. Cashback Plus Credit Card
  • Up to 1500 cashback monthly
  • 4% cashback on all category spending
Apply Now

Best 5 Reward Offers Credit Cards in UAE

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

Credit Cards Credit Card Offers Apply
HSBC Max Rewards Card
  • Earn 1 Air Mile for every AED 1 spent
Apply Now
FAB SHARE Standard Credit Card
  • Up to 7% value back in SHARE points for every AED 1 spent
  • Up to 5.25% back in SHARE points at entertainment
  • Up to 3.25% back in SHARE points on spending at Mall of the Emirates and City Centres in the UAE
Apply Now
FAB SHARE Platinum Credit Card
  • Up to 7% value back in SHARE points at Carrefour for every AED 1 spent
  • Up to 6.25% back in SHARE points on entertainment categories
  • Up to 4.25% back in SHARE points on spending at Mall of the Emirates and City Centres
  • Up to 2.25% back in SHARE points on shopping
Apply Now
ENBD LuLu 247 Titanium Card
  • 3.5% points on LuLu in-store and online purchases
  • 2% LuLu points on fuel spending
  • 1% LuLu points on utility bill payments
  • 0.35% LuLu points on all other spending
Apply Now
ENBD Visa Flexi Credit Card
  • 1.5% reward points on all retail transactions
  • 0.4% points for car dealerships, insurance, supermarkets, and groceries
  • 0.2% points for fuel, education, utility bill payments, and real estate
Apply Now

Top 5 Free for Life Credit Cards in UAE

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
Liv. Cashback Credit Card
  • Exclusive cashback on all categories
  • Amazing movie deals with Vox Cinemas
  • Instant loan on card is available
  • 20% off on Talabat food and grocery deliveries
  • Deals on Trip.com, Farfetch, Zee5, Musafir, and more
  • Up to 7% wallet credits on booking accommodation with Booking.com
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
Citibank Citi Simplicity Credit Card
  • Access to more than 25 regional airport lounges across the Middle East
  • Exclusive BOGO offers on several categories
  • Monthly instalment payment plans are available
  • Discounts on Booking.com
  • Supplementary cards for family member with no AMF
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

Top 5 Airport Lounge Access Credit Cards in UAE

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
Deem Platinum Mastercard Credit Card Free access at more than 25 airport lounges across the world 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
HSBC Live+ Credit Card 12 free visits to more than 1,000 airport lounges across the globe Apply Now
Emirates NBD Marriott Bonvoy World Credit Card Unlimited complimentary access to more than 1,000 international airport lounges Apply Now

Best 5 Air Miles Credit Cards in UAE

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
Citibank Citi Ultima Credit Card
  • 30,000 bonus Citi Miles for paying annual fee every year
  • 5 Citi Miles for every $1 spent on international transactions
  • 2.5 Citi Miles for every $1 spent on domestic transactions
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

Top 5 Cinema Offers Credit Cards in UAE

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
Emirates NBD Club Duo Credit Card BOGO offer on Royal Cinemas 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 Star REEL Cinemas and Cine Royal Cinemas Apply Now
Emirates  NBD U By Emaar Family Credit Card ‘Buy 1 Get 1’ Free offer on movie tickets at REEL Cinemas 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 5 Grocery Shopping Credit Cards in UAE

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
Citi Simplicity Credit Card Buy 1 Get 1 offers on groceries Apply Now
Emirates NBD Diners Club Duo Credit Card 5% rewards on grocery spending Apply Now
Citi Ready Credit Card Buy 1 Get 1 offer on grocery spending Apply Now
FAB Cashback World Credit Card 5% cashback on grocery shopping at Carrefour online Apply Now
Citibank Citi Cashback Card Up to 2% cashback on grocery spends Apply Now

FAQ's About Best Credit Card in UAE

Q1: Which credit card is best in the Dubai, UAE?

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

Q2: How do you choose the best credit card in UAE?

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. 

Q3: What is the minimum income to apply for a credit card in Dubai, UAE?

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

Q4: How do you get a credit card in the UAE?

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.

Q5: What are the documents required to get a credit card in UAE?

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
Q6: What is a good credit score for credit card applications in the UAE?

Ans: The minimum credit score to apply for credit card in the UAE is 541. However, note that the actual requirements may vary as per the bank

Q7: Which are the best cashback credit cards in the UAE?

Ans: The best cashback credit cards in UAE are –

  • Citi Cashback Card
  • Liv. Cashback Plus Card
  • Emirates Islamic RTA Card
  • Emirates Islamic Cashback Card
  • FAB Cashback World Card
Q8: What are the differences between cashback and rewards on credit cards in the UAE?

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.

Q9: Which is the most lenient and affordable credit card with simple eligibility criteria in the UAE?

Ans: Some of the most affordable cards are-

  • Liv. Cashback Card
  • Citi Simplicity Card
  • FAB Rewards Indulge Card, and more
Q10: What are the eligibility criteria to apply for a credit card in UAE?

Ans: Here are the eligibility criteria to apply for a credit card in the UAE —

  • Minimum monthly salary — AED 5,000
  • Minimum age — 21 years
  • Nationality- UAE National or Expat 
  • Employment Status- Salaried or Self-Employed Individuals 
  • Credit Score- Decided by the Bank 
Q11: Which bank’s credit card is the best in the UAE?

Ans: Several banks offer the best credit cards in UAE including —

  • Emirates Islamic Bank
  • HSBC
  • Deem Finance
  • Citibank
  • First Abu Dhabi Bank
Q12: Is it okay to have 2 to 3 credit cards in the UAE?

Ans: If you have a strong hold over your finances, you can certainly have multiple credit cards.

Q13: Which are the best credit cards in UAE without any annual fee?

Ans: The following are the best credit cards in UAE with no annual fee —

  • Liv. Cashback Card
  • FAB SHARE Standard Credit Card
  • FAB Cashback Plus
  • Emirates NBD Mastercard Titanium Credit Card
  • Deem Finance Platinum Mastercard Card

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