# What is a Credit Card Used for? **Published:** 2024-11-13T12:05:57.826Z **Updated:** 2026-07-30T16:30:46.963Z **Author:** Tanvi Pathak **Original Url:** https://www.paisabazaar.ae/credit-cards/articles/how-do-credit-cards-work/ ## 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 Credit cards present a smart way of making payments. These cards, made up of metal or plastic, allow you to borrow money from the bank. They come with a credit limit set by the provider — you can usually owe money up to that limit for shopping and purchases.  In the UAE, credit cards have become a daily part of people’s lives. They are useful in several ways from making payments to improving your credit score.  If you are wondering what is a credit card used for, read on to get the answer below.  ## What are the Uses of Credit Cards?  Credit cards are used for several purposes —  * Credit cards are convenient for shopping, regular purchases, and travel expenses  * These cards make spends highly rewarding — you can earn and redeem rewards and cashback * These cards are used for improving credit scores — just make sure to use them responsibly  * They are quite helpful in emergencies — you can easily pay the bill without worrying about the funds * [Credit cards in uae](https://www.paisabazaar.ae/credit-cards/) also help you track your expenses and manage your finances  * You can make big purchases and easily repay them with the EMI option  ## How Do You Use a Credit Card?  It’s easy to use a credit card. Here are the major ways to use this card —  * Tap and Pay: You can simply wave or place your card over a card reader. This lets you make transactions without requiring you to enter the PIN. * Card Swiping: You can also swipe or insert your card into a card machine. However, in this case, you will need to enter your PIN. * Online: On a merchant’s website, you can enter your credit card details for the payment. Note that the transaction might be validated with a One Time Password (OTP).  Important: Be careful when handling important card information such as card number, CVV, expiry date, and more.  While wondering ‘how do I use a credit card’, you must also be aware of some tips to efficiently use your card —  * If you want to build your credit score, make credit card bill payments on time.  * Understand how the interest rate is calculated on your credit card.  * A credit card comprises numerous fees, so be aware of the fees of your credit card.  * If you have [multiple credit cards](https://www.paisabazaar.ae/credit-cards/articles/manage-multiple-credit-cards/), use them for the right purpose and keep your spends in check.  * While online shopping can help you earn rewards and cashback, make sure that you enter your card details only on trusted platforms.  * Redeem your reward points before expiry to book hotels, flights, dining, shopping, and more.  ## People Also Looking For [Credit Card UAE](https://www.paisabazaar.ae/credit-cards/)[Credit Cards With Airline Lounge Access](https://www.paisabazaar.ae/credit-cards/articles/5-credit-cards-offering-complimentary-airport-lounge-access/)[Credit Cards For Cash Back](https://www.paisabazaar.ae/credit-cards/articles/top-cashback-credit-cards-in-uae/)[Application Credit Card Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-credit-card-application-status/)[Emirates NBD Credit Card Tracking](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-emirates-nbd-credit-card-application-status/)[Free For Life Credit Cards UAE](https://www.paisabazaar.ae/credit-cards/free-for-life-credit-cards/)[Credit Credit Cards Instant Approval](https://www.paisabazaar.ae/credit-cards/articles/want-a-credit-card-with-instant-approval-here-are-your-options/) [Best Credit Cards For Beginners](https://www.paisabazaar.ae/credit-cards/articles/best-credit-cards-for-beginners-in-uae/)[ADCB Credit Card Application Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-adcb-credit-card-application-status/)[Credit Card Without Annual Fee](https://www.paisabazaar.ae/credit-cards/articles/top-credit-cards-with-no-annual-fee-in-uae/)[Check Eligible Credit Cards](https://www.paisabazaar.ae/credit-cards/articles/credit-card-eligibility-in-uae/)[Credit Card For without Job](https://www.paisabazaar.ae/credit-cards/articles/get-a-credit-card-in-uae-without-a-job/)[UAE Identity Card Status](https://www.paisabazaar.ae/credit-cards/articles/check-your-emirates-id-status/) ←Previous [Kredit Card vs Credit Card](https://www.paisabazaar.ae/credit-cards/) Next→ [How to Transfer Credits from Etisalat to DU and Vice Versa](https://www.paisabazaar.ae/credit-cards/articles/how-to-transfer-credit-from-etisalat-to-du-and-vice-versa/)