Credit Cards with No Foreign Transaction Fees 2025

Travelling or shopping abroad is exciting, although it often involves foreign transaction fees. However, for users, it’s important to know that these charges are often categorised under hidden charges. To help you avoid this, many banks offer credit cards with no foreign transaction fees in the UAE. These cards are quite suitable for those who frequently travel or do online shopping from other countries. With these cards, you can pay in foreign currencies without an additional surcharge. This eventually helps you save on your purchases. ...read more

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What is a Foreign Transaction Fee?

When you make a purchase through a foreign bank or in a foreign currency, your card provider charges an additional fee. This is done to cover the cost of currency conversion, processing, and more. 

From 22nd September 2025, foreign transaction fees will increase to 3.14%. This will be applicable to cash withdrawals as well as all purchases you make with your UAE credit cards. Note that this is applicable to all banks. 

Here’s the breakdown of the fee —

  • 2.14% transaction fee charged by the provider 
  • 1% currency conversion fee charged by Amex, Mastercard, or Visa 

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What Does it Mean for You?

With this development, all your spends or cash withdrawals outside the UAE will cost more. In fact, even if you’re simply shopping from any non-UAE website, you’ll pay more. While the percentage may appear small, it’s worth noting that the fee adds up quickly. This is especially true for regular travellers or online shoppers. For instance, if you’re spending AED 1,000, you’ll pay AED 31.4 just in this extra fee. 

With a no international transaction fee credit card, however, this won’t be an issue. You can continue shopping without worrying about extra charges eating into your budget.

Credit Cards with No Foreign Transaction Fees

✈️ FAB Travel Card 🚅

  • Enjoy a complimentary return flight to over 15 destinations every year — London, Mumbai, Istanbul, Baku, Paris, and more 
  • Get up to 12% cashback in the form of FAB rewards on hotel and flight bookings 
  • Complimentary access to airport lounges across the world for the primary cardholder and two additional guests
  • Complimentary airport transfers 
  • Fast-track airport security check 
  • No foreign currency conversion fees or any hidden charges

No Annual Fee Credit Card

Zero Foreign Transaction Fee Credit Cards — Eligibility Criteria 

You must have a monthly salary of AED 25,000 or more to be eligible for the FAB Travel card.

Please contact the bank for additional information regarding the eligibility requirements.

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