Kredit Card vs Credit Card

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Airport Lounge
Shopping Benefits
Fuel benefits
Movie Discounts

Cashback up to AED 2,000
Rewards + Welcome Offers
No Annual Fee
Travel benefits
Dining Discounts
Entertainment Benefits

Written ByTanvi PathakTeam Lead Writer (Expertise - Banking )

Reviewed ByBrijesh KumarChief Business Officer, Paisabazaar.ae

Last updated on 28 August 2025Editorial Standards

Card seekers sometimes get confused between kredit cards and credit cards. Are they the same? Let’s find out!

Is There Any Difference Between a Kredit Card and a Credit Card?

In the UAE, "kredit card" and "credit card" refer to the same financial product.

Both terms describe a card issued by a bank that allows you to borrow money for purchases and repay later (within the monthly billing date). The only difference is in spelling; "kredit" is a common misspelling of “credit.”

Regardless of the term used, these cards offer features such as rewards, cashback, and more.

What are the Key Features of a Kredit Card?

Each bank credit card offers exclusive rewards and benefits.

The common features of kredit cards in the UAE include —

Earn cashback on domestic and international purchases
Loyalty points redeemable for shopping, travel, dining, and entertainment categories
Enjoy complimentary services, such as airport lounge access
Features like credit shield and other protection benefits
Exclusive discounts on dining, shopping, entertainment, and more
‘Buy 1 Get 1’ offers

Top 10 Credit Cards in the UAE: Category-Wise

Tabled below are the best kredit cards from different categories available in the UAE:

Category	Credit Card Name	Minimum Salary	Features and Benefits	Apply
Airport Lounge Access	Commercial Bank of Dubai - Super Saver	AED 5,000	The card is free for the first year Complimentary services, such as valet parking and golf rounds Movie tickets and entertainment discounts Cashback on multiple categories Complimentary airport lounge access	Apply Now
Cashback	First Abu Dhabi Bank - Cashback World Card	AED 5,000	Exclusive cashback on fashion, dining out, groceries, and supermarkets Cashback on domestic and international spending Exceptional travel discounts and lifestyle benefits	Apply Now
Movie Discounts	Emirates NBD - U By Emaar Family Credit Card	AED 5,000	A free-for-life credit card Buy 1 Get 1 offer on Reel Cinema movie tickets Earn points upon spending on Emaar malls and dining & staying at Emaar Hospitality Group restaurants and hotels Earn Upoints upon spending on groceries, supermarkets, government services, telecommunication, and fuel payments	Apply Now
Dining Offers	Emirates NBD - Diners Club Duo Credit Card	AED 10,000	Earn rewards upon spending on dining and hotels ‘Buy 1 Get 1’ Royal Cinemas movie tickets Complimentary golf rounds, global airport lounge access, concierge service, and valet parking services Earn rewards on groceries, fuel, education, and electronics purchases	Apply Now

Golf Benefits	Emirates Islamic - Switch Cashback Credit Card	AED 5,000	Two complimentary golf rounds per calendar year Up to 8% cashback on each spending. Free unlimited access to airport lounges Other Features- Balance Transfers, Cash Advances, Easy Payment Plans, and more	Apply Now
Travel Insurance	RAKBANK - Titanium Mastercard Credit Card	AED 8,000	A free-for-life card Complimentary travel accident insurance Cashback on dining and supermarket purchases globally Cashback on domestic and international spending Exclusive entertainment and travel offers	Apply Now
0% Interest on Balance Transfer	Emirates NBD - Lulu 247 Titanium Credit Card	AED 5,000	0% interest on balance transfers with no processing fee as a welcome offer Earn exciting Lulu points on multiple spending, including fuel, utility bill payments, and in-store and online Lulu spending Complimentary airport lounge access Movie discounts and offers	Apply Now
Supplementary Cards	Emirates Islamic - Etihad Guest Platinum Credit Card	AED 5,000	Up to 4 supplementary cards for free with no AMF Complimentary valet parking, golf rounds, and airport lounge access Earn Etihad Guest Miles on each USD spent Exceptional discounts on travel, shopping, and dining Other benefits- Extended Warranty Protection, Purchase Protection, and Easy Payment Plan, and much more	Apply Now
Fuel Spends	Emirates Islamic - RTA Card	AED 5,000	Up to 10% cashback on fuel spending, and RTA transport payments Cashback on international spending and other shopping spending Hotel and movie discounts Other benefits- supplementary cards, no blackout dates for cashback redemption, Extended Warranty Protection, Purchase Protection, etc.	Apply Now
Welcome Bonus	Abu Dhabi Commercial Bank - ADCB 365 Cashback Credit Card	AED 8,000	AED 365 welcome bonus upon spending AED 5,000 or more within 45 days of card issuance Cashback on groceries, fuel, telecom, utilities, and online/ offline dining orders Hotel and movie ticket discounts	Apply Now

Applying for a Credit Card via Paisabazaar UAE

With Paisabazaar UAE, you can seamlessly apply for a kredit card within a few minutes. Here’s why you should choose us:

80+ credit cards from the top UAE banks are listed on our quotes page
Contact our customer representative team at any time of the day
Access our website easily without any confusion
Refer to our ‘Articles’ section to seek information about credit cards or any bank-specific kredit cards