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

Some Frequently Asked Questions Answered

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.

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.

How Does Paisabazaar.ae Help You Find the Best Credit Card in Dubai, UAE?

Paisabazaar.ae gives you an easily accessible online platform. Here, you can compare multiple credit cards from the leading banks in the UAE in one place.

We help you get a personalised card to suit your budget, financial profile, and lifestyle. Here’s how Paisabazaar UAE makes the whole process easy for you —

Detailed Comparison - We provide information on all the top cards. You can easily compare the key features like annual fees, reward programs, additional perks, and more.
Cards that Suit You Right - Our advanced technology matches you with the best credit card offers based on your employment type, spending habits, and salary. So instead of browsing random cards, you can find the one that you truly need!
Quick Eligibility Check - Did you know you can check your eligibility for different cards? This feature is integrated into our application form itself.
Before applying, you can even check your credit score for free with us. This soft inquiry doesn’t harm your score and gives you an idea of your credit profile.
Transparency - We make sure you get precise and accurate information on the minimum monthly salary requirements, annual fees, and other related fees. This keeps the guesswork away and gives you a crystal clear idea of the card.
Digital Application Process - Once you select a card, you can digitally apply for it through our platform in just a few clicks.

With that said, let’s run you through the top credit cards in UAE!

Top Credit Cards in UAE 2026

Here are the top credit cards in UAE 2026 that you can consider applying for —

Credit Cards	Minimum Monthly Salary	Annual Fee	Best For	Features and Benefits	Apply
Liv. Cashback Credit Card	AED 5,000	Free for Life	Value-conscious buyers \| Savvy spenders	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	Apply Now
ADCB Lulu Platinum Credit Card	AED 8,000	Free for Life	Lifestyle-oriented \| Financially savvy \| Disciplined transactors	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	Apply Now
ADCB 365 Cashback Credit Card	AED 8,000	Free for 1st year, AED 383.25 starting 2nd year	Online shopping \| Dining and entertainment \| Everyday essentials	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	Apply Now
ADCB Essential Cashback Credit Card	AED 5,000	Free for Life	Disciplined spenders \| Everyday essentials \| Dining and entertainment	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	Apply Now
FAB Rewards Indulge Credit Card	AED 5,000	Free for Life	Lifestyle-oriented \| Entertainment	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	Apply Now
HSBC Live+ Credit Card	AED 12,500	Free for 1st year, AED 313.95 starting the 2nd year	Daily spending \| Grocery \| Entertainment \| Fuel \| Dining	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	Apply Now
HSBC Emirates Skywards Signature Credit Card	AED 12,500	AED 1,050	Frequent flyers \| Travellers \| Lifestyle-oriented	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	Apply Now
Citi Simplicity Credit Card	AED 5,000	Free for Life	Building credit score \| Small, frequent purchases \| Groceries and essential items \| First-time credit card users	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	Apply Now
Citi Cashback Credit Card	AED 8,000	AED 300	Everyday essentials \| Smart spending	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	Apply Now
Blue FAB Signature Credit Card by Al-Futtaim	AED 15,000	Free for Life	Retail & online shopping	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	Apply Now

Which Credit Card is Best in UAE — Understanding Category-Wise Best Cards

Let’s be clear from the start — there is no one best credit card in Dubai, UAE. The right card depends on your spending habits, salary bracket, and the benefits you want.

For your convenience, we have curated a category-wise list of the top credit cards in UAE below.

CASHBACK CREDIT CARDS

Best for: Everyday spending like utility, dining, groceries, bills, and fuel

Top 5 Credit Cards in UAE: Liv. Cashback Credit Card, ADCB 365 Cashback Credit Card, Citi Cashback Credit Card, Blue FAB Signature Credit Card by Al-Futtaim, HSBC Live+ Credit Card

Why Do These Credit Cards Stand Out? These cards convert regular monthly expenses into direct savings. This makes them perfect for families and salaried professionals.

WELCOME BONUS CREDIT CARDS

Best for: First-time credit card applicants, professionals with higher monthly expenses, frequent travellers

Top 5 Credit Cards in UAE: ADCB 365 Cashback Credit Card, ADCB Essential Cashback Credit Card, HSBC Emirates Skywards Signature Credit Card, HSBC Live+ Credit Card, ADCB talabat Credit Card

Why Do These Cards Stand Out? This type of card offers immediate rewards as an incentive. They help you save on everyday expenses.

TRAVEL CREDIT CARDS

Best for: Frequent flyers, Emirates and Etihad loyal flyers, business flyers, families, and leisure travellers

Top 5 Credit Cards in UAE: ADCB 365 Cashback Credit Card, ADCB LuLu Platinum Credit Card, HSBC Live+ Credit Card, Liv. Cashback Credit Card, HSBC Emirates Skywards Signature Credit Card

Why Do These Cards Stand Out? These cards help you reduce travel costs, thanks to the discounts, deals, and airline miles. Additionally, you get a premium airport lounge access, travel insurance cover, and more.

LIFESTYLE CREDIT CARDS

Best for: Urban professionals, high earners, frequent diners, retail shoppers, entertainment enthusiasts

Top 5 Credit Cards in UAE: ADCB LuLu Platinum Credit Card, Blue FAB Signature Credit Card by Al-Futtaim, talabat adcb credit card, FAB Cashback World Card, Shukran ADCB Credit Card

Why Do These Cards Stand Out? These are the best credit cards for exclusive offers at restaurants, malls, cinemas, and flights and hotels.

FREE FOR LIFE CREDIT CARDS

Best for: First-time card users, low to moderate spenders, value-focused users, budget-conscious users

Top 5 Credit Cards in UAE: Citi Simplicity Credit Card, Liv. Cashback Credit Card, Blue FAB Signature Credit Card by Al-Futtaim, ADCB LuLu Platinum Credit Card, FAB Rewards Indulge Credit Card

Why Do These Cards Stand Out? These cards are perfect for building credit history. Moreover, you won’t have the pressure to recover annual fees.

How Do I Choose the Best Credit Card in Dubai, UAE?

To find the best credit card in UAE, you should —

Calculate your monthly spending
Match your benefits to your major expense and budget
Consider your bill payment behaviour as per your budget
Factor in additional benefits like travel benefits, dining benefits, and the supplementary cards option

Eligibility Criteria to Apply for the Best Credit Card in UAE

You should meet certain requirements to apply for the best credit card in Dubai, UAE. The requirements include —

Being at least 21 years old
Earning at least AED 5,000 per month (to show a stable income flow)
For quick approvals and favourable terms, an aecb credit score of more than 650
You should be a UAE resident

Note: These are the basic eligibility criteria. The requirements can change as per the bank’s requirements.

Who Should Use Paisabazaar.ae for Credit Card Comparison?

If you fall under any of the following categories, you should consider using Paisabazaar.ae for finding the best credit card in UAE —

First-time credit card applicants in the UAE
Salaried professionals who want to compare their options
An earning family member looking for cashback on everyday expenses
Frequent travellers and flyers looking for opportunities in miles and lounge access

In other words, anyone who wants to make their life easy by streamlining the hassle of hopping from bank to bank! Check the best credit cards in UAE today!

Quick Tips to Maximise Your Credit Card Benefits

Here are some quick tips to maximise your benefits when using the best credit card in UAE —

Pay your card’s bills in full to avoid interest charges
Track your spending categories every month
Once eligible, upgrade to premium credit cards
Make the most of category bonus benefits
If you are a frequent traveller, use a co-branded airline card for frequent travel
Take advantage of 0% instalment plans (if applicable)
Set up transaction alerts
Be smart with balance transfers

Frequently Asked Questions

Ans: You can get cards like Liv. Cashback Credit Card, ADCB Essential Cashback Credit Card, FAB Rewards Indulge Credit Card, and Citi Simplicity Credit Card with a monthly income of AED 5,000 in the UAE.

Ans: Yes, free-for-life cards are ideal for anyone who wants to avoid annual fees while still earning benefits like cashback, basic privileges, or rewards.

Ans: Yes, expatriates can apply for a credit card in the UAE, given they meet the eligibility criteria laid down by the bank.

Ans: You can have multiple credit cards in the UAE — there is no fixed number. But the approval for them will depend on your credit history, income, and the debt burden ratio (as per UAE Central Bank’s guidelines).

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