Rewards & Offers Credit Cards in UAE

Best Rewards Credit Cards in UAE: Quick Comparison

Disclaimer: Rates and fees are as per the banks’ websites and are subject to change. Also, confirm the benefits that align with your spending habits before applying. 

With the top rewards and offers best credit cards in UAE, you can enjoy a plethora of benefits and incentives with your spending. These cards offer a variety of reward options — cashback, points, or miles — which can be redeemed for a wide range of goods and services. 

So whether it's dining out, shopping, or paying bills, the best rewards credit cards offer a convenient way to maximise the value of your spending while enjoying exclusive privileges. Let’s find out more about the best rewards credit cards.

How to Apply for Rewards and Offers Credit Cards via Paisabazaar UAE?

With Paisabazaar.ae, you can easily get credit cards with great rewards in a few clicks. 

Here are the steps to apply for the top rewards credit card in UAE — 

1. Head to paisabazaar.ae, the official website of Paisabazaar UAE.
2. Select ‘Credit Cards in UAE’ under the ‘Banking Products’ drop-down.
3. Locate and fill out the lead form.
4. On submitting it, you will get the most relevant credit card quotes on your screen.
5. Choose a credit card from the list and fill out the application form.

Which Rewards Credit Card Fits Your Spending?

No single card fits your spending pattern. The right card depends on your highest spending categories and whether you prefer cashback, travel miles, or loyalty points.

How Do Credit Card Rewards Work in UAE?

You can earn rewards as points, air miles, or direct cashback on eligible purchases. Banks fund these perks using merchant interchange fees and interest charges. You can redeem your accumulated rewards for flights, statement credits, hotel stays, or shopping vouchers. 

With that said, here are the reward types available on credit cards:

• Cashback: Returns a direct percentage of your spend on categories such as groceries, fuel, or online shopping. The value is fixed and credited directly to your balance statement.
• Air Miles: Earn miles on every dirham and USD spent via co-branded programs like Emirates Skywards or Etihad Guest, or bank-specific programs. You can use them for flights, hotels, or seat upgrades. 
• Retail Co-branded Points: Earned from cards issued by retailers or in collaboration with retailers like LuLu, Carrefour, Noon, and more. They offer maximized savings only when spent in the retailer’s network.
• Bank Reward Points: These points are flexible and include Citi Miles, TouchPoints, FAB Rewards, and more. You can redeem them for shopping, air miles, bill payments, or statement credits.

Practical Tips to Maximize Rewards

• Choose a card that rewards you for your most common expenses, like travel, fuel, or groceries
• Be aware of the expiry dates, conversion rates, and any caps on the rates
• Make use of special promotions and partnerships where you can earn additional rewards for the same purchase
• Plan your redemptions in a way that maximizes value; for example, redeem air miles for travel rather than gift vouchers/products
• Pay your balance in full to make the most of the rewards

How to Apply for a Rewards Credit Card in UAE?

Apply for the right rewards credit card using Paisabazaar.ae. Simply fill in the application form using the button below. Tap View Cards to see the best rewards cards that match your salary. Choose the card that aligns with your lifestyle. A Paisabazaar.ae advisor will connect with you to help complete the further process if required. 

Note: The bank makes the final decision based on your income, credit report, and its internal policies. Application doesn’t guarantee approval. 

Caps, Fees, and Interest to Know Before You Apply

3 main factors determine whether the rewards card you want is worth it. These are the earning caps, category rates, and interest. 

• Earning Caps: The maximum limit on reward points or cashback you can collect during a billing cycle. Once you hit the cap, the extra spending does not bring bonus points. 
• Interest Rates: Banks in the UAE charge interest on the unpaid credit card balance.
• Fees: Banks charge fees like annual fees, joining fees, cash advance fees, late payment fees, foreign transaction fees, and more based on how you use your credit card. 

How to Choose the Right Rewards Credit Card?

To choose the right rewards credit card, match it to your spending habits, confirm your salary eligibility, and weigh the rewards against the annual fee. Use Paisabazaar.ae to compare options side by side.

• Check your salary bracket. If you earn AED 5,000+ per month, you can apply for a basic reward credit card. If your salary is AED 8,000+ a month, you can opt for a mid-tier card. For a premium credit card, you need to earn AED 30,000+ every month. 
• Align your spending habits. Look for rewards that help you maximize savings for groceries, utilities, travel, online and delivery apps, and other regular spending. 
• Compare rewards value against fees. Check if your card is free for life and what the caps and minimum spend limits are. 

These practical tips can make it easier to choose the right card. Also, decide whether you prefer direct cash rebates or flexible points/miles that can be easily converted. 

Frequently Asked Questions