Best 5 Low Interest Rate Credit Cards in UAE 2025

low interest credit card helps you manage your large expenses without any hassles. It is ideally beneficial for those who anticipate carrying a balance on their card or want to minimise the overall cost of borrowing. They also come with a number of benefits, including cash back, travel rewards, discounts and more.

With the number of choices, it can be difficult to select the card that best suits your needs. To help you out, we have compiled a list of the top 5 low-interest charge cards to assist you in making an informed decision.

Best 5 Low Interest Rate Credit Cards in UAE 2025

FAB Low-Rate Credit Card Features:

Annual Rate of Interest : 1.5% monthly for UAE nationals and 1.99% monthly for expatriates

Additional value-added benefits:

• Zero foreign transaction fees
• Exclusive shopping & dining discounts with partners
• 4 free supplementary cards for the family
• Availability of credit and wallet shield facility

FAB Z Card Features:

Annual Rate of Interest : 1.99% per month

Additional value-added benefits:

• No annual fees for the first year 
• Free Careem Plus for a year
• Enjoy 20% off on subscriptions to Netflix, YouTube, Spotify, and more 
• Free airport lounge access

Liv. Cashback Plus Credit Card Features:

Annual Rate of Interest : 3.25% (Retail Interest)

Additional value-added benefits:

• Get 3 movie tickets for VOX Cinemas
• Competitive rate on an instant loan 
• Travel medical insurance of up to USD 500,000
• 20% off on Talabat orders in a month

Citibank Citi Cashback Card Features:

Annual Rate of Interest : 3.50% (Retail Interest)

Additional value-added benefits:

• No annual fees for the first year 
• Earn up to 3% on regular spend
• Worldwide airport lounge access
• Travel accident & medical insurance

FAB Cashback World Card Credit Card Features:

Annual Rate of Interest : 3.99% (Retail Interest)

Additional value-added benefits:

• Get up to 5% cashback on shopping 
• Free airport lounge access
• Complimentary coffee with Costa
• Movie tickets at AED 20 at Reel Cinemas and more

Eligibility Criteria for Low Interest Credit Card UAE

You need to fulfill the following eligibility criteria to get a credit card with least interest rate in the UAE: 

How to Get Credit Cards with Low Interest Rates? 

Applying for a low-interest credit card is easy with Paisabazaar UAE. Simply follow the steps below and get the ideal card: 

• Click the button below for the lead form 
• Enter your details 
• Get a quote page with a list of low-interest-rate cards
• Compare their features and interest rates 
• Apply for the best one that meets your needs

It’s done! You will receive a call from one of our representatives to guide you further. 

Bottom Line 

Choosing a low-interest credit card in the UAE can be a smart way to enjoy greater financial flexibility while keeping borrowing costs under control. These cards not only help reduce interest payments but also come with a variety of perks that can enhance your everyday spending. To get the most value, it’s important to carefully compare the features, charges, and added benefits offered by different banks’ cards. With the right choice, a low interest credit card can make managing expenses easier and support a more balanced financial lifestyle.

Frequently Asked Questions