# Credit Card for Education Fees in UAE

**Published:** 2022-03-14T12:15:09.480Z
**Updated:** 2026-10-07T09:56:01.726Z
**Author:** Tanvi Pathak
**Original Url:** https://www.paisabazaar.ae/credit-cards/articles/credit-cards-offers-on-school-fees/

In the UAE, the school fees often start from AED 9,000 per year and go up to AED 120,000 (for the leading international schools). If you have more than one child, the costs can shoot up even more. This is where a good, reliable credit card can be helpful. The cards can ease the financial burden while offering benefits such as cashback, rewards, easy payment plans, and discounts. When you find the right card that can maximise rewards and simplify payments, it becomes an essential tool for budgeting education costs. ...read more

## Top Credit Cards for Education in UAE

| Credit Card | Annual Fees | Minimum Monthly Salary |
| --- | --- | --- |
| Al Hilal Cashback Credit Card | Free for Life | AED 5,000 |
| FAB GEMS World Credit Card | AED 399 | AED 8,000 |
| Emirates NBD Darna Visa Infinite Credit Card | AED 1,575 | AED 30,000 |
| ADCB TouchPoints Visa Infinite Credit Card | AED 1,050 | AED 30,000 |
| ADCB LuLu Platinum Credit Card | Free for Life | AED 8,000 |
| Liv Cashback Credit Card | Free for Life | AED 5,000 |

**Apply Credit Card**

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## What People Want to Know!

**Do UAE credit cards offer rewards on school fees?**<br>Yes, several credit cards in the UAE offer cashback or rewards on education spending, depending on the merchant category codes and reward caps.<br><br>**Are there caps on education rewards?**<br>Yes, multiple cards have monthly or annual reward limits.<br><br>**Can you convert school fees into instalments?**<br>Yes, several banks allow you to convert your school fees into easy payment plans on your card. |
| --- |

## 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 Credit Card for Education Expenses

If you are looking for the best credit card for education fees payment, we have jotted down major options for you. 

| Credit Cards | Annual Fee | Minimum Monthly Salary | Education Cashback/Rewards | Suitable For | Apply |
| --- | --- | --- | --- | --- | --- |
| FAB GEMS World Credit Card | AED 399 | AED 8,000 | Up to 3% discount on GEMS school fee payments Up to 10% cashback on other school-related expenses 0% easy payment plans for up to 12 months on GEMS fees Education protection coverage of up to AED 500,000 per child  | For GEMS parents | Apply Now |
| Blue FAB Signature Credit Card by Al Futtaim | Free for Life | AED 15,000 | 3% cashback in Al-Futtaim rewards for every AED spent on Al Futtaim Schools (Deira International School and Universal American School) | For specific schools | Apply Now |
| ADCB TouchPoints Infinite Credit Card | AED 1,050 | AED 30,000 | 0.2 TouchPoints for spending on education, fuel, real estate, government services, and so on | Parents seeking cashback on education expenses | Apply Now |
| Liv. Cashback Plus Credit Card | AED 700 | AED 12,000 | Up to 4% cashback on overall spends, including education | For overall cashback | Apply Now |
| Al Hilal Cashback Credit Card | Free for Life | AED 5,000 | Up to 5% cashback on education and any other category | For cashback seekers and budget-conscious profile parents | Apply Now |

\*Disclaimer - The card types available may vary based on your minimum monthly income and eligibility. 

  

## Credit Cards for Education Fees in UAE: Overview

A credit card for education is a cashback or reward-based card that offers benefits upon paying school fees, tuition expenses, and other education-related expenses like books, uniforms, and academic services. 

## How Does a Credit Card for Education Fees Reduce Tuition Costs?

Usually, there are education cashback credit cards in the UAE. It means that most cashback credit cards offer rewards on Dirhams spent on school fees. Apart from rewards like cashback, some cards also offer —

*   0% Easy Payment Plans
*   Co-branded school cards (like FAB GEMS World Credit Card)
*   Discount on school fee payments
*   Points redemption to pay for tuition 

This smoothens the expenses. Here’s an example -

Say you are a parent who needs to pay AED 30,000 as your child's annual school fee. With a credit card for education fees, you can get -

In case you opt for an education cashback credit card offering, 

*   1% cashback - AED 300 savings assured or a 
*   4% cashback - AED 1,200 back 

If you are an EMI user, you can opt for 0% interest instalment plan on the card for a better cash flow.

## How to Choose a Credit Card for Education Fees

With multiple cards for education fees available, finding the right one can be overwhelming. To help you out, we have broken down what family should opt for which type of card. 

**BUDGET-CONSCIOUS FAMILIES** 

*   No annual fee credit cards
*   Education cash back credit cards
*   Cards with lower reward caps but predictable returns

**HIGH-SPENDING HOUSEHOLDS**

*   Premium cards
*   Higher caps 
*   Cards with broader cashback/reward categories

## Eligibility Criteria to Apply for the Best Card for Education Payment

Eligibility requirements vary by the issuing bank’s risk assessment policies and credit score criteria. You need to fulfill the following eligibility criteria to apply for credit card for education payments —

*   Minimum Monthly Salary - While the income may vary based on the credit card you opt for, the minimum monthly salary for a basic card is AED 5,000
*   Residency - UAE nationals and expatriates
*   Stable employment history 
*   Acceptable credit score

  

## Common Mistakes to Avoid When Using a Credit Card for Education Fees

If you strategically use your credit card for education fees, you can earn rewards. However, impractical use can lead to financial restraints. That being said, here are some common mistakes to avoid when using your card for education fees. 

*   Paying only the minimum balance due
*   Ignoring convenience fees
*   Maxing out on your credit limit
*   Missing the payment deadlines
*   Treating the credit card funds as free money
*   Ignoring credit card interest rates

## Frequently Asked Questions

### Q1: Do private schools and international school payments qualify for cashback?

**Ans:** Yes, if the card offers cashback on education, these payments qualify. 

### Q2: Can supplementary card spending earn education rewards?

**Ans:** Often, yes. However, the total rewards are credited to the primary cardholder. 

### Q3: Do all school fee payments earn cashback or rewards?

**Ans:** No, rewards apply only if your card has education as a payment category. 

### Q4: Is it better to use a credit card or a direct transfer for school fees?

**Ans:** It is better to use a credit card if it has school fees as a reward-centric payment category, or you pay your balance in full before the due date. 

### Q5: Which is the best education credit card?

**Ans:** There is no one best credit card for educational expenses. But you can find the right card based on whether you are a GEMS school parent, cashback seeker, high-spending family, or EMI user.

### Q6: Do schools in UAE charge extra fees for credit card payments?

**Ans:** Most schools do not impose an additional fee if you pay the education fees using a credit card.

### Q7: Do UAE credit cards offer rewards on school fees?

**Ans:** Yes, several credit cards in the UAE offer cashback or rewards on education spending, depending on the merchant category codes and reward caps.

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