Best 5 Low Interest Rate Credit Cards in UAE 2026
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Airport Lounge
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Shopping Benefits
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Fuel benefits
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Movie Discounts
Best credit cards with 0 Annual fee*
- Cashback up to AED 2,000
- Rewards + Welcome Offers
- No Annual Fee
- Travel benefits
- Dining Discounts
- Entertainment Benefits
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 2026
FABFirst Abu Dhabi Bank Low-Rate Credit Card
FABFirst Abu Dhabi Bank Low-Rate Credit Card
Features- Lifestyle Benefits
- Free Supplementary Cards
- Dining Discounts
- Protection Benefits
- Lowest interest rates on spending
- Payment plans
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
FABFirst Abu Dhabi Bank FAB Z Card
FABFirst Abu Dhabi Bank FAB Z Card
Features- Free for 1st year
- Movie Discounts
- Travel Discounts / Benefits
- Lowest interest rates on spending
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.LIV. Cashback Plus Credit Card
Liv.LIV. Cashback Plus Credit Card
Features- Cashback
- Movie Discounts
- Travel Insurance
- Airport Transfer
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
CitibankCitibank Citi Cashback Card
CitibankCitibank Citi Cashback Card
Features- Free for 1st year
- Cashback
- Dining Discounts Insurance
- Airport Lounge Access
- Travel Insurance
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
FABFirst Abu Dhabi Bank Cashback World Card
FABFirst Abu Dhabi Bank Cashback World Card
Features- Cashback
- Lifestyle Benefits
- Airport Lounge Access
- Travel Benefits
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:
| Eligibility | Requirements |
|---|---|
| Age | You must be at least 21 years old |
| Minimum Income | Your monthly income must be AED 5,000 or above |
| Nationality | UAE nationals and expats, both are eligible |
| Employment Status | Applicants must be salaried or self-employed |
| Credit Score | Determined by the bank |
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
Ans: Many banks offer low-interest charge cards, and you can use them for shopping, cashback and travel benefits. Some of the top banks in the UAE include First Abu Dhabi Bank (FAB), Citibank, and others.
Ans: With low-interest charge cards, you’ll spend less on interest each month. This helps free up money for other goals and allows you to pay off debt faster.
Ans: Yes, there are a number of credit cards that offer exclusive cashbacks and discounts on grocery shopping, travel, dining, and more, along with a low interest rate.
Ans: When applying for a credit card with a low interest rate, you will need to provide proof of income, such as a salary certificate, bank statement, or salary slip.
Ans: It’s easy to apply for a credit card online with Paisabazaar.ae. With this, you can compare multiple cards and their interest rates, helping you choose the suitable one.
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