# Rewards & Offers Credit Cards in UAE **Original Url:** https://www.paisabazaar.ae/credit-cards/rewards-offers-credit-cards/ The best rewards credit card depends on how you make spends, how you plan to redeem rewards, and what fees you pay. You can earn rewards as cashback, air miles, reward points, or shopping benefits on eligible purchases. Compare cards and find options suited for groceries, education, fuel, travel, and regular purchases! ...read more ## Best Rewards Credit Cards in UAE Salary Range Free for Life ### Cashback Credit Card CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance Minimum Salary:**5,000** Annual Fee:**Free for Life** 5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining Enjoy complimentary airport lounge access to over 25 lounges worldwide. Cashback ### ULTRACASH Mastercard Touch Card Valet ParkingBalance Transfer Facility0% Installment Plans Minimum Salary:**10,000** Annual Fee:**500** Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates 10% cashback on Fuel for the first 3 months and 5% thereafter Reward Points ### TouchPoints Visa Infinite Credit Card Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan Minimum Salary:**25,000** Annual Fee:**1,050** 15,000 Bonus TouchPoints for spends of AED 15,000 VOX Cinemas Buy one get one FREE ## Best Rewards Credit Cards in UAE: Quick Comparison | Credit Card | Best For | Minimum Monthly Salary | Annual Fees | Rewards | | --- | --- | --- | --- | --- | | ADCB LuLu Platinum Credit Card | Frequent LuLu shoppers, people who are into grocery shopping and are retail-centric, light entertainment and dining, occasional travelling, and more | AED 5,000 | Free for Life | 8 LuLu Points for every AED 1 spent at LuLu stores
Up to 1.25 LuLu Points for every AED 1 spent on all other spends | | Citibank Citi Prestige Credit Card | Frequent flyer, golf and entertainment enthusiast, value optimizer | AED 25,000 | AED 1,500 | 3 ThankYou points on non-AED spend
2 ThankYou points on AED spend
10,000 bonus ThankYou points after you pay annual fee | | FAB Rewards Indulge Credit Card | Heavy online shoppers, everyday spenders, entertainment and fine diners | AED 5,000 | Free for Life | 20,000 bonus FAB Rewards per month if you spend AED 10,000+
Get 5 FAB Rewards on online spending | | Emirates NBD SHARE Visa Signature Credit Card | Regular mall and grocery shoppers, entertainment seekers, travellers, value-conscious spenders | AED 12,000 | Free for Life | Welcome bonus of 5,000 SHARE Points upon spending AED 25,000 in the first 3 months
6% back as SHARE Points on shopping, leisure, dining, and groceries at 5,000+ stores and 18 malls across the UAE | | Ajman BRight Titanium Credit Card | Cost-conscious consumers, reward and travel enthusiasts, frequent domestic and regional commuters | AED 5,000 | Free for Life | Up to 1 BRight Reward for every AED 10 spent | _**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. ## Rewards and Offers Credit Cards — Salary Requirements Let’s first explore the salary criteria for the top rewards credit cards in the UAE — | Name of the Credit Card | Minimum Monthly Salary Required | | --- | --- | | First Abu Dhabi Bank — SHARE Platinum Credit Card | AED 10,000 | | First Abu Dhabi Bank — SHARE Standard Credit Card | AED 5,000 | | Emirates NBD — Lulu 247 Titanium Credit Card | AED 5,000 | | Emirates NBD — Lulu 247 Platinum Credit Card | AED 15,000 | | Emirates NBD — Visa Flexi Credit Card | AED 15,000 | ## Rewards and Offers Credit Cards — Features and Benefits Moving on to the interesting part, here are the key features and benefits of the best rewards credit cards! ## First Abu Dhabi Bank SHARE Platinum Credit Card First Abu Dhabi BankFirst Abu Dhabi Bank FAB SHARE Platinum Credit Card First Abu Dhabi BankFirst Abu Dhabi Bank FAB SHARE Platinum Credit Card Minimum Salary (AED)10,000 Annual Fee (AED)AED 1,000 Features * Lifestyle Benefits * Movie Discounts * SHARE points * Protection Benefits **Features and Benefits of FAB SHARE Platinum Credit Card** * Up to 7% value back in SHARE points at Carrefour for each AED 1 spent * Up to 6.25% back in SHARE points at VOX Cinemas, Magic Planet, Dreamscape, Little Explorers, IFLY Dubai, and Ski Dubai * Enjoy up to 2.25% value back in SHARE points on retail and international spending, and online shopping ## First Abu Dhabi Bank SHARE Standard Credit Card First Abu Dhabi BankFirst Abu Dhabi Bank FAB SHARE Standard Credit Card First Abu Dhabi BankFirst Abu Dhabi Bank FAB SHARE Standard Credit Card Minimum Salary (AED)5,000 Annual Fee (AED)Free for Life Features * Free for Life * Lifestyle Benefits * Movie Discounts * Free Supplementary Cards * SHARE points **Features and Benefits of FAB SHARE Standard Credit Card** * Up to 7% value back in SHARE points at Carrefour for each AED 1 spent * Max 5.25% back in SHARE points at VOX Cinemas, Magic Planet, Dreamscape, Little Explorers, IFLY Dubai, and Ski Dubai * Get up to 2.75% back in SHARE points on retail spending, online shopping, and international spending * Enjoy 2-for-1 cinema tickets at VOX Cinemas ## Emirates NBD Lulu 247 Titanium Credit Card Emirates NBDEmirates NBD Lulu 247 Titanium Credit Card Emirates NBDEmirates NBD Lulu 247 Titanium Credit Card Minimum Salary (AED)5,000 Annual Fee (AED)Free for Life Features * Free for Life * Movie Discounts **Features and Benefits of Emirates NBD Lulu 247 Titanium Credit Card** * Free for life credit card  * Enjoy 0% interest on balance transfers with 0 processing fees * Get LuLu points on LuLu in-store and online spending * Earn 2% rewards on fuel spending * 1% reward on utility bill payments * Enjoy complimentary access to 10+ regional airports’ lounges ## Emirates NBD Lulu 247 Platinum Credit Card Emirates NBDEmirates NBD Lulu 247 Platinum Credit Card Emirates NBDEmirates NBD Lulu 247 Platinum Credit Card Minimum Salary (AED)15,000 Annual Fee (AED)262.5 Features * Airport Lounge Access * Movie Discounts * Valet Parking * No minimum spend **Features and Benefits of Emirates NBD — Lulu 247 Platinum Credit Card** * Up to 7% back as LuLu points on regular spending * Welcome offer capped at 500 bonus points * ‘Buy 1 Get 1’ offers at Reel Cinemas * Earn 7% LuLu points on LuLu in-store and online spending * Earn 4% reward on fuel spending * 2% reward on utility bill payments * 0% interest on balance transfers with zero processing fees * Complimentary access to airport lounges through LoungeKey  ## Emirates NBD Visa Flexi Credit Card Emirates NBDEmirates NBD Visa Flexi Credit Card Emirates NBDEmirates NBD Visa Flexi Credit Card Minimum Salary (AED)15,000 Annual Fee (AED)735 Features * Movie Discounts * Hotel Discounts * Insurance **Features and Benefits of Emirates NBD — Visa Flexi Credit Card** * 1.5% rewards on all retail spending * Enjoy free insurance for large purchases * Exclusive discounts on 4DX and Theatre by Rhodes  * Up to 30% off at 2,000+ restaurants across the UAE * Earn 1.5 points on each spend of AED 100 * 0.4% points upon spending on groceries, insurance, car dealerships, and supermarkets * Earn 0.2% points on spends related to education, real estate, utility bill payments, and fuel * Enjoy complimentary airport transfers ## 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. Read More About Credit Cards Category [Balance Transfer Credit Cards](https://www.paisabazaar.ae/credit-cards/balance-transfer-credit-cards/) [Free For Life Credit Cards](https://www.paisabazaar.ae/credit-cards/free-for-life-credit-cards/) [Cinema Offers Credit Cards](https://www.paisabazaar.ae/credit-cards/cinema-offers-credit-cards/) [Air Miles Credit Cards](https://www.paisabazaar.ae/credit-cards/airmiles-credit-cards/) [Business Credit Cards](https://www.paisabazaar.ae/credit-cards/business-credit-cards/) [Dining Credit Cards](https://www.paisabazaar.ae/credit-cards/dining-credit-cards/) [Credit Card with Golf Access](https://www.paisabazaar.ae/credit-cards/golf-credit-cards/) [Shariah Compliant Credit Cards](https://www.paisabazaar.ae/credit-cards/shariah-compliant-credit-cards/) [Welcome Bonus Credit Cards](https://www.paisabazaar.ae/credit-cards/welcome-bonus-credit-cards/) ## 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** ### Is a rewards card better than a cashback card? It largely depends on your spending habits. A rewards card usually offers higher savings if you spend more with the partnered merchants. A cashback credit card is better if your spending is spread out and you need direct savings. ### Are credit card rewards capped in the UAE? Most cards have an earning cap on rewards. Spending beyond the cap doesn’t earn you additional rewards.  ### What salary do I need for a rewards credit card? You need a salary of at least AED 5,000 per month to get a basic rewards card like the ADCB LuLu Platinum credit card or FAB Rewards Indulge credit card. ### Do I still earn rewards if I don’t pay my bill in full? You still earn points. However, interest on the unpaid balance usually costs more than the rewards are worth. Repay the entire amount to make the most of your rewards. ### Do rewards credit cards charge an annual fee? Some cards are free for life. Others have a first-year fee waiver, while a few charge an annual fee. Check the schedule of fees before applying. ### Which rewards credit card is the best in the UAE? The best card depends on your spending habits and salary. Compare the effective reward value, fees, and earning limits before applying.