Best Credit Cards in UAE

What is the best credit card in UAE?

The best credit card in UAE largely depends on your salary, spending patterns, and lifestyle needs. For example, a cashback card is ideal for your daily expenses like groceries and fuel. A travel credit card, on the other hand, is the right option only if you are a frequent flyer.

Ideally, a good credit card should ?

• Align with your spending habits
• Be easy to manage and widely accepted
• Offer perks that outweigh the annual fee
• Fit your monthly income and eligibility profile

Can I apply for multiple credit cards in the UAE?

Yes, you can apply for multiple credit cards in the UAE. However, note that you must meet the banks' eligibility criteria, including the minimum monthly income and debt-to-income ratio. Also, avoid applying for too many cards at once. It leads to multiple hard inquiries, which can negatively impact your credit score and history.

• Up to AED 750 cashback per month
• AED 0 joining fee
• Access to more than 25 airport lounges
• Up to 10% off when booking at Trip.com
• 20% discount on 1 order per month at talabat

• Up to 8 LuLu points for every AED 1 spent at LuLu Stores
• Up to 1.25 LuLu points for every AED 1 all other spends
• BOGO movie tickets at Reel Cinemas
• Up to 4 complimentary visits at over 25 international airport lounges for yourself + supplementary cardholders

• Welcome bonus worth AED 365
• 3% cashback on telecom, Salik, fuel, and utilities
• 6% cashback on dining, including online food orders
• 5% cashback on groceries
• 1% cashback on all international and domestic purchases

• 1% cashback on all purchases
• Up to AED 70 cashback on movie tickets per month
• Up to 4 complimentary visits at over 25 international airport lounges for yourself + supplementary cardholders
• Up to 7% cashback as wallet credit with booking.com 

• 20,000 bonus FAB rewards on spending AED 10,000+ per month 
• 5 FAB rewards on online spending 
• 1 FAB reward on all other spending, including abroad
• 20% discount on shopping at Namshi.com and at more than 150 restaurants in the UAE
• Up to 20% discount on entertainment and attractions in the UAE

• 6% (up to AED 200) cashback on dining
• 5% (up to AED 200) cashback on fuel
• 2% (up to AED 200) cashback on groceries and entertainment
• 50% discount on dining bills at 4,000 restaurants across the UAE with a free Zomato Gold membership
• 12 complimentary visits to more than 1,200 airport lounges worldwide for yourself + additional cardholders per year

• Pay the annual fee and get 10,000 sign-up bonus Skywards Miles 
• Up to 1.75 Skywards Miles on every USD 1 spent 
• Get an additional 15,000 Skywards Miles + fast track to Silver Tier membership — simply spend at least AED 20,000 within the first 60 days
• Miles remain active till your card remains active
• Access to the Visa Luxury Hotel Collection

• 20% discount on grocery and food orders per month on the talabat app
• No late fee, cash advance fee, or overlimit fee
• Easy instalment plan facility

• 3% cashback on international spends
• 2% cashback on grocery/supermarket spending
• 1% cashback on other spends
• 8 complimentary visits to 1,200 + international airport lounges per year
• 20% off on grocery and food orders once a month on talabat

• 7% cashback on Al-Futtaim retail brands, including M&S, ACE, Toys R Us, IKEA, and more
• 3% cashback in Al Futtaim FAB rewards for every AED spent on Al-Futtaim schools, car brands, and more
• 1% cashback on all your additional spending
• Access to 1,000+ international airport lounges
• 4 tickets per month for only AED 20 at Cine Royal, Reel Cinemas, and Star Cinemas

• 3.5% LuLu Points on in-store and online spends
• 2% LuLu points on fuel spends
• 1% LuLu points on utility bill payments
• 0.35% LuLu points on other spends

• Up to 150,000 Marriott Bonvoy points as a welcome bonus
• 6 Marriott Bonvoy points on every USD 1 spent at participating hotels and resorts
• 3 Marriott Bonvoy points for every USD 1 spent on international spend
• 3 points for every USD 1 on general retail shopping
• 0.75 points for every USD 1 on groceries, supermarkets, insurance, car dealerships, and more 

• 5% cashback on supermarkets and dining
• Up to 50% cashback at cinemas and video streaming
• 2% cashback on retail spends

• 8 free visits to more than 1,000 airport lounges per year
• Up to AED 135 cashback per month
• 20% discounts on Emaar attractions
• 0% easy payment plan

• Up to 3 JOY points on airlines, hotel bookings, dining, and international spends
• Up to 3 JOY points on spending in the lifestyle category
• Up to AED 750 cashback per month

• Up to 10% cashback per month on education, bills, supermarkets, and fuel
• Discount of up to 20% at Emaar attractions
• Multi-trip travel insurance of up to USD 500,000

• Up to 1 360o Rewards Point for every USD 1 you spend
• Discount on Booking.com and Agoda

• 4% cashback on supermarket and grocery, fuel and automobile spends, education payments, dining, and utility payments (caps may vary)
• Withdraw cash 100% of the finance limit
• 4 free supplementary cards

• Get 2.5 Wala’a Rewards for every AED 1 spent
• Earn 3 Wala’a Rewards for every AED spent in equivalent foreign currency
• 2 complimentary valet parking services per month
• 24/7 global concierge services

• Up to 50% discount on dining bills at more than 4,000 restaurants across the UAE with a free Zomato Gold membership
• BOGO movie tickets per month + 25% discount on food and beverage at Cinemas
• Enjoy 15% discount on additional data packages with Airalo

• 3 ThankYou Points for every USD 1 spent on dining, grocery, and fuel
• 2 ThankYou Points for every USD 1 on non-AED spends
• 1 ThankYou Point for every USD 1 spent on local purchases
• 14 complimentary visits to more than 1,200 international airport lounges per year

• Up to 1 Plus Point on every AED 100 spent
• 0.4% points on grocery, car dealerships, supermarkets, and insurance
• 0.2% points on utility, education, real estate, and fuel spending
• Auto Salik top-up

• Up to 1.5% cashback on all your local and international spends
• Up to 80% cash advance
• Free international remittance 

• Welcome bonus of 55,000 Etihad Guest Miles
• 75% Miles discount voucher
• 4 free in-flight wifi  vouchers
• 3.5 miles for every AED 10 spent on domestic purchases, 6 miles for every foreign currency transaction, 7 miles for every AED 10 spent with Etihad or Etihad Airways partner

• 3 ThankYou Points for every USD 1 on non-AED spends
• 2 ThankYou Points for every USD 1 spent on local purchases
• 4 airport riders per year
• Complimentary 4th night stay at any hotel worldwide

• Up to 10% cashback on all online and offline foreign currency purchases
• Up to 10% cashback on local online purchases and bill payments
• Up to 10% cashback on all mobile wallet purchases
• Up to 8 complimentary visits to more than 1,000 airport lounges in more than 300 cities per year

• Immediate access to cash up to 100% of your credit limit
• Up to 6 times your monthly income as a credit limit
• 20% discount on food and grocery orders once a month on the talabat app
•  Debt management benefits

• 30% discount on 2 movie tickets at VOX Cinemas per month
• 8 complimentary visits per year at over 1,200 airport lounges worldwide 
• 1.5 ThankYou points on all grocery and non-AED purchases
• 1 ThankYou point on local spending 

• Welcome bonus of 50,000 Etihad Guest miles
• Free roadside assistance
• Free Companion ticket voucher 

• Earn 2x RED points on all international spending 
• 5x RED points on all dining spending
• 10x RED points on sports goods stores
• Up to AED 60,000 job cover for up to 12 months

• 5% Plus points on electronics, education, groceries, utilities, and fuel categories
• 0.5% Plus points on other spending like dining, travel, hotels, and online
• Benefits of the Diners Club and the Mastercard Platinum credit card
• BOGO on tickets at Royal Cinemas

• 10% cashback on online and digital wallet transactions locally or internationally 
• 2% cashback on international retail spending 
• 1% cashback on domestic retail spending
• 0.5% cashback on all utilities, supermarkets, government, telecom, hypermarkets, and education categories

• 10% cashback on airline tickets
• 10% cashback on hotel stays
• 50% cashback on movie tickets purchased online
• 1.5% cashback on other domestic spending

• 2 Miles for every USD 1 spent at Emirates/flydubai Airlines
• Up to 1.5 Skywards Miles for every USD 1 spent on international purchases
• Up to 1 Skywards Mile for every USD 1 on domestic purchases

• 10% cashback on grocery, travel, and dining expenses
• Up to 3% cashback on all your e-wallet retail spends
• 50% discount at VOX Cinemas

• Earn 0.5 Exceed Reward points for every AED 100 spent within the UAE
• 1 Exceed Reward Point for every AED 100 spent internationally
• 0.125 Exceed Reward Points for every AED 100 spent at select merchants
• Cash withdraw 100% of your finance limit 

• Welcome bonus of 30,000 Etihad Guest Miles upon paying the annual membership fee
• 3 Miles for every USD 1 spent on Etihad Airways
• Up to 2 Miles for every USD 1 on international purchases
• 1.5 Miles for every USD 1 spent in the European Economic Area including the UK
• Up to 1.5 Miles for every USD 1 spent on domestic purchases

• Up to 4% cashback on spending at supermarket and hypermarket purchases, Etisalat and Du bill payments, utility bills, school fees, automobile servicing, fuel, Salik and Nol recharges
•  Complimentary roadside assistance

• 25% base Upoints for spends in supermarkets and groceries
• 10% base Upoints for spends in government services, fuel, and telecommunication payments
• 5% Upoints back on spends in Emaar malls, dining, or stays at Emaar Hospitality Group hotels and restaurant
• 5x extra Upoints on spends in Emaar
• 1% Upoints for all spends

• 75,000 bonus points upon renewing your membership
• 2 free golf rounds per month with Spike On
• 50% off on dining bills at over 4,000 restaurants across the UAE with free Zomato Gold Membership