# Best Premium Credit Cards in UAE October 2026
**Published:** 2024-06-06T11:43:04.678Z
**Updated:** 2026-07-30T16:30:39.406Z
**Author:** Tanvi Pathak
**Original Url:** https://www.paisabazaar.ae/credit-cards/articles/best-premium-credit-cards/
Premium credit cards are exclusively designed for high-value users seeking more than just everyday spending convenience. These cards come with luxury travel perks, lifestyle privileges, reward points, and personalised services. Let’s see which are the best top cards offering premium privileges. ...read more
## Most Popular Credit Card in UAE
Salary Range
Free for Life
### Cashback Credit Card
CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance
Minimum Salary:**5,000**
Annual Fee:**Free for Life**
5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining
Enjoy complimentary airport lounge access to over 25 lounges worldwide.
Cashback
### ULTRACASH Mastercard Touch Card
Valet ParkingBalance Transfer Facility0% Installment Plans
Minimum Salary:**10,000**
Annual Fee:**500**
Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates
10% cashback on Fuel for the first 3 months and 5% thereafter
Reward Points
### TouchPoints Visa Infinite Credit Card
Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan
Minimum Salary:**25,000**
Annual Fee:**1,050**
15,000 Bonus TouchPoints for spends of AED 15,000
VOX Cinemas Buy one get one FREE
## Best Premium Credit Cards in UAE
Banks in the UAE offer numerous cards based on salaries and perks. Usually, cards requiring a salary of AED 15,000 and above fall into the premium category. These cards are packed with extraordinary lifestyle, travel, protection, and other benefits.
Tabled below are some of the best premium credit cards that you may consider —
| Card Name | Minimum Salary Requirement | Annual Fee | Key Features | Apply |
| --- | --- | --- | --- | --- |
| [**Citibank Citi Ultima Card**](https://www.paisabazaar.ae/credit-cards/emirates-citibank-ultima-credit-card/) | AED 36,750 | AED 3,000 | Earn Citi Miles on local and international transactions for each USD 1 spent
Enjoy exclusive travel deals, including cashback on flight tickets, hotel stay offers, airport lounge access, airport transfers, and more
Save on lifestyle spends with valet parking service, free cinema tickets, Talabat order discounts, and unlimited golf access | Apply Now |
| [Citibank Citi Prestige Card](https://www.paisabazaar.ae/credit-cards/citibank-citi-prestige-credit-card/) | AED 30,000 | AED 1,500 | Receive cashback as a welcome bonus
Get ThankYou points annually by paying the yearly card fee
Earn ThankYou points for each USD 1 spent
Enjoy exceptional travel benefits like airport lounge access, airport transfers, hotel stay deals, and more
Lifestyle privileges include valet parking services, movie ticket discounts, Talabat bookings, and golf course access | Apply Now |
| [Citibank Citi Premier Credit Card](https://www.paisabazaar.ae/credit-cards/citibank-citi-premier-credit-card/) | AED 15,000 | AED 750 | Receive cashback as a welcome bonus
Earn ThankYou points for each USD 1 spent
Travel privileges like airport transfers, airport lounge access, cashback on Booking.com accommodations, and more are included
Shield yourself and your purchases with Travel Accident & Medical Insurance, and Purchase Protection
Exclusive deals on the Talabat app, movie tickets, and golf course access | Apply Now |
| [**Blue FAB Signature by Al-Futtaim**](https://www.paisabazaar.ae/credit-cards/blue-fab-signature-credit-card/) | AED 15,000 | Free for life | Exclusive cashback on all Al-Futtaim purchases
BNPL offers at Al-Futtaim shopping
Amazing movie ticket discounts on Star, Cine Royal, and Reel Cinemas
Travel perks like complimentary airport lounge access and airport transfer facilities
Complimentary supplementary cards for family members | Apply Now |
| [**FAB Etihad Guest Signature Card**](https://www.paisabazaar.ae/credit-cards/fab-etihad-guest-signature-credit-card/) | AED 15,000 | AED 1,500 | Earn Etihad Guest Miles as a welcome bonus
Get Etihad Guest Miles credited to your account on all transactions
Enjoy travel privileges like free airport lounge access, fast track upgrade to Etihad Guest Silver status, an in-flight Wi-Fi voucher for free, and more
Save with discounts on golf course access and cinema tickets | Apply Now |
| **HSBC Emirates Skywards Infinite Card** | AED 30,000 | AED 2,625 | Receive a welcome bonus upon card issuance
Earn Skywards Miles for every USD 1 spent
Enjoy travel perks such as free airport lounge access, hotel accommodation at Booking.com
Amazing lifestyle offers include complimentary Beach Club visits, 12-month Careem Plus membership, discounted dining bills, and more
Complimentary access to Silver Tier membership | Apply Now |
| [**HSBC Cash+ Card**](https://www.paisabazaar.ae/credit-cards/hsbc-cash-plus-credit-card/) | AED 30,000 | Free for the first year AED 1,050 from the second year onwards | Earn cashback on eligible spends
Save on dining at your favourite restaurants across the UAE with the complimentary Zomato Gold membership
Other perks include BOGO movie offer, complimentary airport lounge access, multi-trip travel insurance, and hotel deals | Apply Now |
## Know Your Eligibility for Premium Credit Cards
As mentioned above, salary plays an important role in deciding your eligibility for a card. However, other factors also influence your qualification for a preferred card. We have mentioned the common entry requirements to get a premium card in UAE —
| Eligibility Type | Requirements |
| --- | --- |
| Minimum Salary | AED 15,000 |
| Minimum Age | 21 years |
| Residency | UAE resident or citizen |
| Status of Employment | Salaried or self-employed |
| Credit Score | As per the bank |
## Documents to Apply for a Premium Card Application
Documentation is a crucial part of your card application processing. Banks verify your identity and your potential to manage premium credit cards. For this, they require a few documents for evaluation. Given is a set of general documents, categorised according to applicant’s nationality and employment status–
### For UAE Nationals
| Salaried Employees | Self-Employed Individuals |
| --- | --- |
| Emirates ID
Passport
Salary Certificate/ Salary Slip
Latest 3-6 Months’ Account Statements
Completed Application Form | Emirates ID
Passport
Trade Licence/ MoA
Latest 3-6 Months’ Account Statements
Completed Application Form |
### For Expats
| Salaried Employees | Self-Employed Individuals |
| --- | --- |
| Emirates ID
Passport
UAE Residence Visa
Salary Certificate/ Salary Slip
Latest 3-6 Months’ Account Statements
Completed Application Form | Emirates ID
Passport
UAE Residence Visa
Trade Licence/ MoA
Latest 3-6 Months’ Account Statements
Completed Application Form |
## How to Apply for the Best Premium Credit Cards via Paisabazaar.ae?
At Paisabazaar UAE, you, the customer, are at the heart of everything we do. Our team is committed to making your experience seamless, helping you find and select the right card. Here’s what you need to do —
1. Find the lead form here and fill it out
2. Quotes will appear based on the details provided
3. Check out the list of premium credit cards
4. Compare, shortlist, and choose one
5. Proceed with the on-screen instructions to successfully apply
As a leading banking aggregator, we ensure a seamless banking experience for you. Here’s why you should choose us —
✨ We have cards from the top banks on our quotes
✨ You can compare multiple premium cards in one go and simplify your search
✨ Get a dedicated expert to help you throughout the process
✨ Apply for a card in minutes effortlessly
We keep getting queries on premium cards. The following section lists some of the top questions asked by card seekers — check them out!
## Frequently Asked Questions
### Q1: What is the minimum salary required to apply for premium credit cards in the UAE?
**Ans:** The minimum salary requirement for premium cards usually starts from AED 15,000. Note that the criterion varies by card.
### Q2: Do premium cards in the UAE charge an annual fee?
**Ans:** Yes, most premium cards have annual fees. However, some banks have certain cards with zero annual membership fees. Others may waive the fees as per certain spend-related criteria.
### Q3: What types of rewards can I earn with premium credit cards?
**Ans:** Rewards include loyalty points, air miles, cashback, and exclusive partner discounts on travel, dining, shopping, and entertainment.
### Q4: What benefits come with the HSBC Emirates Skywards Infinite Card?
**Ans:** Cardholders receive Skywards Miles, exclusive travel perks, Booking.com hotel offers, beach club access, Careem Plus membership, and complimentary Silver Tier membership.
### Q5: Are travel benefits included with premium credit cards?
**Ans:** Yes. Travel perks with premium cards commonly include airport lounge access, airport transfers, hotel stay deals, and travel insurance. In some cases, you can also get fast-track airline tier upgrades and Wi-Fi vouchers.
### Q6: Do premium credit cards offer lifestyle and entertainment perks?
**Ans:** Absolutely yes. As a user, you can enjoy valet parking, golf course access, movie ticket discounts, food delivery offers, and memberships like Careem Plus or Zomato Gold, depending on the card.
### Q7: Can I receive a welcome bonus with premium credit cards?
**Ans:** Yes, many premium credit cards offer welcome bonuses such as cashback, and loyalty points or air miles. The latter are credited upon card issuance or after meeting minimum spend requirements.
### Q8: What are the main advantages of the Citi Premier Card?
**Ans:** The Citi Premier provides ThankYou Points on all transactions, travel insurance, lounge access, Booking.com savings, and lifestyle perks like Talabat discounts, cinema offers, and golf access.
### Q9: Is the Blue FAB Signature by Al-Futtaim free for life?
**Ans:** Yes. This card is free for life and offers exclusive Al-Futtaim cashback, BNPL benefits, movie discounts, lounge access, and complimentary supplementary cards.
### Q10: Are supplementary credit cards available for premium cards in the UAE?
**Ans:** Yes, several premium cards offer complimentary supplementary cards for family members.
### Q11: What protection benefits come with premium credit cards?
**Ans:** Premium cards often include purchase protection, extended warranty, and travel-related insurance such as travel accident cover and medical coverage.
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