Compare & Apply Credit Cards in UAE

Credit Card in UAE

Credit cards in Dubai, UAE are used for purchases or paying bills without using cash or a debit card. Many banking institutions even offer you a pre-approved credit limit that you can use and repay later, often with up to 55 interest-free days if paid in full on time.

Many credit cards in UAE come with added benefits like cashback, airport lounge access, travel insurance, and reward points. Whether for daily spending or emergencies, a card, when used responsibly, helps you manage finances, build credit history, and access lifestyle privileges tailored to your needs.

Table of Content

Credit Card in UAE
Benefits of Credit Cards in UAE
Why Should You Choose a Credit Card Through Paisabazaar.ae?
Credit Cards in UAE 2025
Why Compare Credit Cards With Us?
Credit Card Application Online Submission — Document Checklist
How to Apply for a Credit Card via Paisabazaar UAE?
Bonus: Redemption and Usage of Credit Card Points
Read More About Salary Based Credit Cards
FAQs About Credit Card in UAE

Benefits of Credit Cards in UAE

Here are the top features that you can get with a typical credit card in Dubai, UAE —

Type of Features & Features	Description	Apply
Movie Discounts	‘Buy 1 Get 1’ offers for free movie ticket 4 tickets at AED 20 only Offers applicable to Vox, Cine Royal, Novo, Reel, and Roxy Cinemas	View Offers
Golf Access	Complimentary access to the best golf courses across the UAE, subject to a minimum spend	View Offers
Dining and Shopping Deals	20% discount on food and grocery deliveries on the Talabat app Shopping discounts on Farfetch and other top brands across the globe Discounts on food bills with a complimentary Zomato membership	View Offers
Flight and Hotel Booking Offers	Cashback on booking via Booking.com Get Cleartrip discounts on airline and hotel accommodation	View Offers
Valet Parking Facilities	Complimentary valet parking services once or twice a month Valet parking facilities available at select locations in Dubai and Abu Dhabi for free	View Offers

Why Should You Choose a Credit Card Through Paisabazaar.ae?

Collaboration With Top Banks

We have partnered with top banks and financial institutions to bring you a wide range of card options.

Compare and Select

No paperwork. No long calls. Just fill in a few details and you can buy your homeowners insurance completely online.

Convenient User-interface

Paisabazaar.ae’s website is intuitive and simple — you can navigate to the relevant sections and find all the key details conveniently.

Expert Advice

Get expert assistance while selecting and applying for a credit card.

Instant Application

The credit card application process online is seamless with minimal paperwork.

Access to All Credit Card Information

Refer to our website’s ‘Article’ section for all credit card-related information for free.

Explore New Credit Cards — Category

Balance Transfer Credit Cards

Cash Back Credit Cards

Free For Life Credit Cards

Cinema Offers Credit Cards

Airport Lounge Access Credit Cards

Air Miles Credit Cards

Rewards & Offers Credit Cards

Dining Credit Cards

Credit Card with Golf Access

Travel Credit Cards

Shariah Compliant Credit Cards

Welcome Bonus Credit Cards

Credit Cards in UAE 2025

Having understood the top categories, let’s take a look at some of the best credit cards in Dubai. We will also explore their important features and requirements to help you gain clarity and make an informed decision.

Credit Card	Minimum Salary Requirement	Annual Fee	Key Feature
Liv. Cashback Card	AED 5,000	No Annual Fee	Cashback
Citibank Citi Simplicity Card	AED 5,000	No Annual Fee	Free for Life
HSBC Live+ Card	AED 5,000	Free for the First Year AED 299 From Second Year Onwards	Cashback
FAB Rewards Indulge Card	AED 5,000	No Annual Fee	Reward Points
Deem Finance Titanium Mastercard	AED 5,000	Free for the First Year AED 200 From the Second Year Onwards	Reward Points
Emirates NBD Mastercard Titanium Card	AED 5,000	No Annual Fee	Free for Life
Emirates Islamic Cashback Card	AED 5,000	AED 367.5	Cashback
HSBC Max Rewards Card	AED 10,000	Free for the First Year AED 600 From Second Year Onwards	Reward Points
Citibank Citi Ready Card	AED 8,000	Free for the First Year AED 300 From Second Year Onwards	No Annual Fee for the First Year
NBQ Gold Card	AED 8,000	No Annual Fee	Free for Life
Deem Finance Platinum Mastercard	AED 10,000	No Annual Fee	Free for Life
FAB Low-Rate Card	AED 10,000	AED 300	Low Interest Rate
Emirates Islamic Cashback Plus Card	AED 12,000	AED 313.95	Cashback
Emirates NBD Lulu 247 Platinum Card	AED 15,000	AED 262.5	Welcome Bonus
Emirates Islamic Flex Elite Card	AED 15,000	AED 735	Reward Points
Citibank Citi Premier	AED 15,000	AED 750	Welcome Bonus
Emirates NBD Dnata World Card	AED 20,000	AED 1,049	Cashback
NBQ Infinite Card	AED 30,000	AED 1,000	Airport Lounge Access
Citibank Citi Prestige Card	AED 30,000	AED 15,000	Welcome Bonus
Citibank Citi Ultima Card	AED 36,750A	AED 3,000	Travel Perks
Get Your Card Today

Why Compare Credit Cards With Us?

With the right credit card, you can conveniently manage your spending habits and even enjoy exclusive deals on entertainment, dining, travel, and more. With that said, choosing the best card can be challenging due to the sheer number of options available out there. With Paisabazaar.ae, however, this won’t be an issue for you! With us, you can easily compare the top cards from leading banks in one place. You also get clear details on all your options on our platform.

Correct Information

On our quotes page, you can easily check out the key fact statements of all your favourite cards for accurate and comprehensive information.

Customer Reviews

In the section of reviews on our site, you can find how customers liked any specific cards. This can help you understand what actual users liked or disliked about a card and how was their experience, which can assist in making informed decisions.

User-Friendly Interface

Our website is easy to use, conveniently helping you navigate to the desired page. Even if you’re not tech-savvy, you can get all the necessary details and apply for a card without any hassle.

Quick and Hassle-free Comparison

Compare cards from several banks on our platform and choose the ideal one.

Fire Brigade Charges

Covers the costs incurred by the fire brigade for extinguishing a fire and mitigating further damage. This can be crucial in reducing out-of-pocket expenses after a fire incident.

Eligibility Criteria for a Credit Card in UAE

Age

The minimum age limit to be considered eligible is 21 years.

Salary

As per the Central Bank of the UAE, your annual income must be at least AED 60,000. The minimum monthly salary must be AED 5,000 (fixed).

Nationality

All UAE nationals and expatriates are eligible to apply for a credit card.

Employment Status

You must be either salaried or self-employed.

Credit Score

In general, you must have a credit score of 650 and above to get a good card. With that said, keep in mind that each banking institution has a specified score requirement.

Credit Card Application Online Submission — Document Checklist

Banks generally require the following set of documents to issue you a new credit card.

For Salaried Individuals	For Self-Employed Individuals
✔️ Emirates ID ✔️ Passport ✔️ UAE Residence Visa (Only for expats) ✔️ Salary Certificate/ Salary Slip ✔️ Latest 3-6 Months’ Personal Bank Account Statements	✔️ Emirates ID ✔️ Passport ✔️ UAE Residence Visa (Only for expats) ✔️ Trade Licence & Memorandum of Association ✔️ Latest 3-6 Months’ Company Bank Account Statements

Note

📝Make sure the documents are valid and original

📝Additional document(s) may be required at the bank’s discretion

📝Keep copies of each document ready

How to Apply for a Credit Card via Paisabazaar UAE?

As mentioned earlier, applying for a card becomes a seamless process with Paisabazaar.ae. Here are the steps that you need to follow —

STEP 1: Select Your City
STEP 2: Select Card
STEP 3: Application completed

Have questions regarding credit cards or are confused about which card to go for?

No worries, we are here to assist you with all your queries. Reach out to us via email at communication@paisabazaar.ae or call us at 8007284647.

Bonus: Redemption and Usage of Credit Card Points

Do you know you earn reward points on each card transaction? Over time, these points get credited and accumulated in your account. Easily access your loyalty points via your online banking portal and further use them for redemption.

Each card has different reward types such as Air Miles, cashback, Plus points, and more. You can either use these points to purchase a product or get discounts, or simply convert them to redeem on airline bookings.

FAQs About Credit Card in UAE

What is the minimum salary for a credit card in the UAE?

As per the Central Bank of the UAE, you can get a credit card with a minimum monthly salary of AED 5,000. However, you will also find many cards that require a higher salary than this limit.