Rewards Points Credit Cards with Purchase Protection in UAE

Why is Purchase Protection Important for Reward Credit Cardholders?

Purchase protection benefit on your card financially protects you against any fraudulent use of your card (for an amount up to your credit limit). Here’s how this feature keeps you secure —

• Coverage for high-value items. Cards that have the best credit card points with purchase protection offer coverage for expensive items, in case they are lost or stolen from the purchase date. It covers purchases from categories like personal care items, electronics, fashion and accessories, and home improvement products. 
• Offers a financial safety net. It covers your investment in new items, offering replacement or reimbursement if they are damaged or stolen in the coverage period. This limit can usually go up to 180 days.
• Complements the rewards on your credit card. You earn rewards or points on your purchases. With purchase protection, you don’t lose out on them if something happens to your purchased item. 

Key Features and Benefits of the Best Credit Card for Points

Here are the features of the best credit cards for points —

• Maximised Savings - When you match the card with your spending patterns, you save more by accumulating points and even getting handsome discounts on products and services. 
• Financial Flexibility - Several points credit cards with purchase protection have features like 0% interest balance transfer and easy payment plans. This can convert your large purchases into manageable instalments. 
• Improved Lifestyle - With the top reward credit cards in UAE with purchase protection, you not only manage finances but also enhance your lifestyle with exclusive deals, offers, and privileges. 
• Enables You to Build Strong Credit History - These cards are a great solution to build and improve your credit score, given you pay the bills in full and on time. This ends up opening doors for several credit solutions in the future. 

Top Reward Credit Cards UAE with Purchase Protection

Here’s a list of the top reward credit cards UAE with the purchase protection feature —

How to Choose the Top Reward Credit Card UAE with Purchase Protection?

Here are some practical ways to choose the best credit card for points with purchase protection in UAE —

• Understand your spending habits. Always choose a card that meets your spending habits. For instance, if you are always on an errand run, a cashback credit card with grocery cashback or fuel cashback is the perfect option. 
• Understand the credit card features. Before applying for a card, analyse its features and fees. Check its reward program, annual fees, interest/profit rates, lifestyle perks, travel benefits, and so on. 
• Check if you meet the general criteria. Make sure you tick on the bank’s eligibility criteria — age, salary requirements, credit score, and relationship with the bank. 
• Read the fine print and connect with the bank. Instead of applying for the first card you see, compare your options and get well-equipped with its features and terms and conditions. In case of confusion, connect with the bank. 

You can also visit Paisabazaar.ae’s official website to compare credit cards in one place and make a smart choice. Click here to begin!

Common Mistakes to Avoid When Choosing a Points Credit Card with Purchase Protection in UAE

Here are some general mistakes to avoid when exploring options for credit card points with purchase protection —

• Assuming all cards come with purchase protection
• Not checking the credit limit 
• Confusion extended warranty for purchase protection
• Ignoring the fine print
• Missing bill payments
• Making impulse purchases and maxing out on the card

Eligibility Criteria to Get Top Reward Credit Cards UAE with Purchase Protection

Here’s the eligibility criteria to apply for cards that have credit card points with purchase protection —

Documents to Apply for Credit Card Points with Purchase Protection

Usually, the documents needed to apply vary as per the bank. However, most banks ask for a few general documents. 

Here is the list of general documents required to apply for top reward credit cards UAE with purchase protection —

• Valid Emirates ID
• Passport + a valid copy of UAE residence visa (for expats)
• Salary transfer letter/ appointment letter
• Address proof – utility bill or contract of tenancy
• Trade licence (for self-employed individuals)
• Bank statements for the last 3 months

How to Apply for Top Reward Credit Cards UAE with Purchase Protection?

You can easily apply for the best reward credit cards UAE with purchase protection on Paisabazaar.ae. This is your one-stop shop for all your financial needs. Whether you’re looking for the best credit cards in UAE or any other banking product, you can find it here. 

Explore a range of cards from top banks in the country under one roof. The website is easy to use, and our expert team is always here to assist you through the process. 

Click here to apply for a credit card in UAE!

Frequently Asked Questions