Why a Credit Card in UAE is Essential
The UAE continues to evolve and improve as a leading global financial hub, and credit cards are more than just a payment tool, the Best Credit Card in UAE are a gateway to easy payments, travel benefits, and enhanced security. Key reasons to own a credit card in 2025 include:
- Digital Economy & Contactless Payments: Embracing a cashless lifestyle, credit cards are essential for online shopping, booking travel, and accessing services via contactless payments.
- Travel Benefits & Rewards: With comprehensive travel perks such as lounge access, travel insurance, and exclusive discounts, credit cards cater to frequent flyers and globetrotters.
- Building Credit History: For both residents and expatriates, responsibly using a credit card builds a solid credit profile, opening the door to more favorable financial products.
- Enhanced Security: State-of-the-art security features, including biometric authentication and virtual card numbers, help protect against fraud.
- Exclusive Offers & Discounts: Many cards offer access to special events, dining discounts, and partnerships with luxury brands that elevate everyday spending.
Types of Credit Cards in UAE
The UAE market offers a diverse range of credit cards, each tailored to different spending habits and lifestyles. Understanding these types can help you choose the Best Credit Card in UAE.
1. Rewards Credit Cards
These cards are designed to reward you for everyday spending by accumulating points, miles, or cashback on every transaction. Rewards cards are ideal for individuals who spend heavily on dining, shopping, and travel.
- Examples: Emirates NBD Signature, ADIB Smiles Visa Signature Card, and Citi Prestige.
2. Travel Credit Cards
Travel credit cards cater to frequent flyers and travelers. They typically offer perks such as complimentary lounge access, travel insurance, priority check-ins, and exclusive discounts on airline tickets and hotel bookings.
- Examples: FAB World Credit Card, HSBC Premier World Elite, and Standard Chartered Priority Banking Credit Card.
3. Cashback Credit Cards
Cashback cards provide a straightforward benefit—returning a percentage of your spending as cash. These are particularly popular among those who prefer immediate rewards over points or miles.
- Examples: Certain variants of RAKBANK Titanium or specialized offerings from local banks.
4. Low-Interest or Balance Transfer Cards
For individuals who occasionally carry a balance or want to transfer debt from high-interest cards, low-interest or balance transfer cards offer reduced interest rates or promotional periods with zero interest. Mashreq and ADIB offer balance transfer options (e.g., 0% for 6–12 months), though low-interest cards are less common due to high UAE APRs (typically 30–40% annually).
- Examples: Some offerings from Mashreq Bank or ADIB may provide these options.
5. Secured Credit Cards
Secured cards require a cash deposit as collateral. They are an excellent option for building or rebuilding credit, especially for young professionals or those with a limited credit history.
- Examples: Although not as common as other types, several UAE banks offer secured credit products tailored for new credit builders.
6. Sharia-Compliant Credit Cards
For those who prefer financial products that adhere to Islamic principles, Sharia-compliant credit cards offer an ethical alternative without compromising on benefits like rewards and travel perks.
- Examples: Dubai Islamic Bank Platinum Credit Card.
Each type addresses unique needs—from maximizing rewards to ensuring low costs or aligning with ethical banking practices. Your choice should depend on your financial behavior, spending patterns, and long-term goals.
Top 10 Best Credit Card in UAE:
1. Emirates NBD Signature Credit Card
The Emirates NBD Signature Credit Card is tailored for high-net-worth individuals who want a seamless, luxury-driven banking experience. It is designed to offer a robust rewards program, premium travel perks, and exclusive concierge services. Cardholders benefit from a flexible redemption system that caters to high-end lifestyles, providing savings on dining, travel, and luxury shopping. With complimentary travel insurance, global airport lounge access, and a range of value-added privileges, this card is a top choice for those who frequently travel and spend in elite categories.
Key Features
- Rewards Program: Earn up to 1.5 Skywards Miles per USD (0.41 Miles per AED) on Emirates spends, 1 Mile per USD (0.27 Miles per AED) on foreign currency spends, and 0.75 Miles per USD (0.20 Miles per AED) on local spends.
- Travel Perks: Complimentary global airport lounge access (with AED 5,000 monthly spend, else AED 125/visit), free travel insurance (up to USD 500,000 when travel is paid with card), and potential priority check-in on select Emirates flights (verify eligibility).
- Exclusive Benefits: Personal concierge services for travel bookings, event access, and lifestyle experiences (e.g., VOX Cinema offers, golf discounts).
- Annual Fee & APR: AED 700, waived with AED 25,000–30,000 annual spend (confirm threshold); APR approximately 3.25% monthly (39% annually).
- Flexible Payments: Easy EMI conversion on large transactions at 0% interest (3–24 months, at participating merchants; processing fee may apply).
Check out the Rewards Program in Detail.
Costs:
Who It’s For
Frequent travelers and high spenders who want premium perks, luxury privileges, and global access.
2. ADCB TouchPoints Credit Card
The ADCB TouchPoints Credit Card is one of the most versatile rewards cards available in the UAE, and is considered one of the Best Credit Card in UAE. It allows users to accumulate TouchPoints with every purchase, making it ideal for individuals who want a card that enhances everyday spending. Whether it’s groceries, fuel, shopping, or entertainment, this card ensures that spending translates into valuable rewards. Users can redeem TouchPoints for travel, shopping, or bill payments, making it a practical option for those who want an easy to use, credit card. With access to select airport lounges and dining discounts, it also offers lifestyle benefits that elevate the experience for its holders.
Key Features
- Earn TouchPoints on every transaction: Earn 1 TouchPoint per AED 1 on most retail purchases, 0.4 TouchPoints per AED 1 on dining, groceries, and fuel, plus 10,000 bonus TouchPoints with AED 10,000 monthly spend.
- Lounge Access & Discounts: 3 complimentary visits annually to over 1,000 airport lounges via LoungeKey (extra visits AED 117), plus up to 25% off dining and entertainment offers (e.g., VOX Cinemas Buy 1 Get 1).
- Annual Fee & APR: AED 525 (including VAT), waived with AED 10,000–15,000 annual spend (confirm with ADCB); APR approximately 3.25% monthly (≈ 39% annually).
- Digital Banking: Full online and mobile management of spending and rewards via ADCB Mobile App and Personal Internet Banking.
Costs:
Note on Annual Fee: AED 0 first year for Titanium (thereafter AED 400–525, depending on variant), waived with spending (e.g., AED 15,000 annually for Platinum); APR typically 3.25% monthly (39% annually)
Who It’s For
Everyday spenders who want a flexible rewards program and seamless digital banking experience.
3. ADIB Emirates Skywards Credit Card
The ADIB Skywards Signature Credit Card is an excellent choice for those looking for a Sharia-compliant financial product without sacrificing the benefits of a premium credit card. Designed with both local and international spending in mind, it offers a balanced rewards system, travel perks, and strong customer support services. Whether you frequently shop overseas or use your card for business expenses, this card provides extra reward points on international transactions. It also includes travel insurance, airport privileges, and concierge services, making it a compelling option for those seeking both financial ethics and luxury benefits.
Key Features
-
Sharia-Compliant Structure:
Adheres to Islamic finance principles, ensuring all transactions and rewards meet Sharia standards. -
Reward Program:
Earn Sywards points on everyday spending, which can be redeemed for various rewards. -
Flexible Redemption Options:
Redeem points for travel, dining, shopping, and more, tailoring rewards to your lifestyle. -
Enhanced Payment Technology:
Enjoy secure contactless payments and advanced online banking tools for seamless financial management. -
Exclusive Offers & Discounts:
Access special promotions and discounts from ADIB’s partner merchants. -
Competitive APR and Fee Structure:
Features a competitive APR on purchases, while the APR for cash advances is higher and begins accruing immediately, along with a cash advance fee (calculated as a percentage of the withdrawal amount, subject to minimum fees).
Costs:
Who It’s For
Travelers who need Islamic finance compliance with strong local and international rewards.
4. Mashreq Platinum Credit Card
The Mashreq Platinum Credit Card is a well-rounded option that combines everyday utility with premium benefits. It offers generous rewards on dining, shopping, and travel, making it ideal for individuals who want a single card that delivers value across multiple spending categories. One of its standout features is its enhanced security, featuring biometric authentication for safer transactions. Additionally, its annual fee can be waived upon meeting specific spending criteria, providing great flexibility for users who want to maximize their benefits without extra costs.
Key Features
- Earn Mashreq Vantage Points: Earn 5 points per AED on international spends, 3 points per AED on dining and supermarket purchases, and 1 point per AED on other local spends (e.g., shopping, travel).
- Enhanced Digital Security: Features biometric authentication (fingerprint/face ID) via Mashreq Mobile App, plus tokenization for digital wallets and contactless payments.
- Annual Fee & APR: AED 650 + 5% VAT (total AED 682.50), waived with AED 20,000 annual spend; APR approximately 3.15%–3.85% monthly (≈37.8%–46.2% annually; confirm with Mashreq).
- Minimum Salary Requirement: AED 7,500 per month.
Costs:
Who It’s For
Consumers looking for high amenities, strong security, and spending flexibility.
5. RAKBANK Titanium Credit Card
The RAKBANK Titanium Credit Card is designed for affordability while still offering an attractive rewards program. It is ideal for moderate spenders who seek value without high fees. This card provides accelerated rewards on essential expenses like fuel and dining while also offering exclusive retail and entertainment discounts. Additionally, users can take advantage of a low annual fee and competitive APR, making it a cost-effective choice.
Key Features
- Earn Cashback on Transactions: Earn 5% cashback on dining, supermarkets, and fuel (minimum AED 5,000 monthly spend, capped at AED 250/category), 2% on other retail purchases (minimum AED 1,000 monthly spend, capped at AED 300/month), and 0.25% on utilities/government services.
- Exclusive Offers: Up to 30% off dining at 2,000+ restaurants, retail discounts via Mastercard Buy 1 Get 1, and 5% cashback on fuel with free CAFU delivery 4 times/month.
- Annual Fee & APR: No annual fee; APR approximately 3.25%–3.45% monthly (≈39%–41.4% annually, post-55-day interest-free period; confirm with RAKBANK).
- User-Friendly Mobile App: RAKBANK App for secure transactions (cardless payments, contactless ATM withdrawals) and cashback tracking (redeemable at AED 500 minimum).
Costs:
Who It’s For
Cost-conscious consumers who still want a rewarding credit card experience.
6. FAB World Elite Credit Card
Designed for the global citizen, the FAB World Elite Credit Card delivers premium travel perks and exclusive lifestyle benefits. With a focus on luxury travel and global spending, this card offers high rewards on both local and international purchases. Cardholders enjoy complimentary lounge access, travel insurance, and a concierge service that ensures a seamless experience wherever they go. The card also provides fee waivers based on spending, making it ideal for professionals who frequently travel for work or leisure.
Key Features
-
Premium Rewards Program:
Earn reward points on every purchase, which can be redeemed for travel, dining, and shopping benefits. -
Complimentary Airport Lounge Access:
Enjoy access to a global net work of premium lounges, ensuring a comfortable travel experience. -
Comprehensive Travel Insurance:
Benefit from extensive travel insurance coverage, providing protection on both local and international trips. -
24/7 Concierge Service:
Receive dedicated support for travel bookings, dining reservations, and various lifestyle needs at any time. -
Exclusive Lifestyle Privileges:
Unlock special benefits and offers at partner merchants, enhancing your overall premium lifestyle experience.
Costs:
Who It’s For
Frequent travelers and professionals who value global privileges and luxury perks.
7. Citi Prestige Credit Card
The Citi Prestige Credit Card is a premium choice for individuals who demand top-tier luxury and travel benefits. Designed for high-net-worth individuals, this card offers a sophisticated rewards program, extensive travel perks, and access to exclusive events. Cardholders enjoy luxury experiences, including complimentary stays at select hotels, personalized concierge services, and high reward earnings on lifestyle purchases.
Key Features
- Rewards Program: Earn 5 ThankYou Points per USD ( 1.36 points per AED) on air travel and dining, 3 points per USD ( 0.82 points per AED) on hotels and travel agencies, and 1 point per USD ( 0.27 points per AED) on other purchases, including luxury retail.
- Luxury Travel Perks: Unlimited complimentary airport lounge access worldwide for cardholder and one guest via Priority Pass, free travel insurance (up to USD 1 million when booked with card), and 24/7 elite concierge services.
- Exclusive Benefits: Access to VIP events (e.g., concerts, sports), 4th Night Free hotel benefit (up to twice/year, capped at USD 145/night average), and luxury lifestyle privileges (e.g., golf, dining discounts).
- Annual Fee & APR: AED 1,500, with promotional waivers possible (e.g., first-year free or spend-based; confirm with Citi); APR approximately 2.99%–3.5% monthly ( 36%–42% annually).
- Flexible Payments: Competitive EMI options at 0% interest (3–12 months, with processing fee) and exclusive introductory offers (e.g., 25,000 ThankYou Points with AED 15,000 spend in 90 days, or 0% APR on balance transfers for 6 months).
Costs:
Note: Annual Fee: AED 1,500 (equivalent to $495 in some regions, verify locally); APR starts at 2.99% monthly (UAE-specific rate)
Who It’s For
Affluent travelers and high spenders who seek luxury travel, VIP privileges, and premium rewards.
8. HSBC Premier World Elite Credit Card
The HSBC Premier World Elite Credit Card is an exceptional choice for global citizens who require seamless international banking, premium lifestyle rewards, and luxury travel benefits. Designed for HSBC Premier customers, this card offers exclusive privileges, making it an excellent companion for frequent travelers and expatriates. With generous reward points, unlimited lounge access, and preferential exchange rates, it delivers an elite banking experience.
Key Features
- Global Rewards: Earn 1 Air Mile per AED 1 on all local and international transactions, redeemable for flights, hotels, or retail vouchers.
- Travel Benefits: Unlimited airport lounge access worldwide via Mastercard Travel Pass (one guest free, additional AED 125/visit), comprehensive travel insurance (up to USD 1 million when booked with card), and 24/7 concierge service.
- Financial Advantages: 0% EMI options on eligible purchases (3–12 months, with processing fee) and exclusive HSBC Premier privileges (e.g., priority banking, global ATM access).
- Annual Fee & APR: AED 1,500, waived with Premier eligibility (e.g., AED 350,000 balance or AED 50,000 salary monthly; confirm with HSBC); APR approximately 2.85%–3.69% monthly (34.2%–44.28% annually).
- Exclusive Perks: Up to 14% off luxury hotel bookings (e.g., Agoda, Expedia), invitations to elite events via Mastercard Priceless, and lifestyle benefits (e.g. Zomato Gold, cinema discounts).
Costs:
Who It’s For
Global professionals, expatriates, and frequent travelers who demand seamless international banking and high-end travel benefits.
9. Standard Chartered Credit Cards
Overview
There are 5 distinct types of Standard Chartered Credit Cards available in the UAE.
- Journey Credit Card: Ideal for travelers, this card rewards travel-related spending with air miles and special offers on travel bookings.
- Smart SAADIQ Credit Card: A Sharia-compliant option that combines ethical banking principles with smart rewards, ensuring benefits align with Islamic finance guidelines.
- Simply Cash Credit Card: Designed for straightforward rewards, this card offers cashback on everyday purchases, delivering clear and simple benefits.
- Manhattan Rewards+ Credit Card: Designed for straightforward rewards, this card offers cashback on everyday purchases, delivering clear and simple benefits.
- X Credit Card: A versatile option that delivers a mix of rewards, flexible payment choices, and enhanced digital banking features to suit a modern lifestyle.
Key Features
-
Tailored Rewards:
Each card is equipped with a rewards system that best suits its target audience—whether that means earning air miles, cashback, or reward points on specific categories. -
Travel and Lifestyle Benefits:
Enjoy benefits such as travel insurance, access to exclusive offers, and digital banking tools that make managing your finances easier and more secure. -
Ethical Banking Options:
With the Smart SAADIQ Credit Card, Standard Chartered offers a Sharia-compliant choice for those seeking ethical financial solutions. -
Digital Convenience and Security:
Benefit from advanced digital banking features that provide secure, seamless management of your expenses and rewards. -
Flexible Payment Plans:
Take advantage of competitive fee structures, favorable interest rates, and installment options that make larger purchases more manageable.
Costs:
Visit the Official Standard Chartered UAE Website to keep updated with changes.
Who It’s For
Affluent professionals and high spenders who appreciate premium rewards, digital banking convenience, and lifestyle benefits.
10. Dubai Islamic Bank Platinum Credit Card
The Dubai Islamic Bank (DIB) Platinum Credit Card is a Sharia-compliant financial product offering a blend of ethical banking and modern lifestyle benefits. It is designed for individuals who prefer an Islamic finance-based credit card without compromising on rewards and travel perks. With a transparent fee structure, attractive rewards, and exclusive partner discounts, this card is a strong choice for those who value both financial principles and everyday benefits.
Key Features
- Islamic Banking Compliance: Fully Sharia-compliant with no Riba, using profit-based structures.
- Reward System: Earn 3 Wala’a Points per AED 1 on retail purchases and 0.5 points per AED 1 on utilities/government spends; redeemable for travel, cashback, or miles.
- Exclusive Discounts: Special offers on dining (up to 30% off at 2,000+ restaurants), travel, and retail via Visa Platinum partners.
- Travel & Lifestyle Perks: Complimentary travel insurance (up to USD 500,000 when booked with card), partner discounts, and 6 annual lounge visits via LoungeKey (extra visits AED 117).
- Annual Fee & Profit Rate: AED 199 + 5% VAT (total AED 208.95), possible waiver with spending criteria (e.g., AED 5,000 annually; confirm with DIB); profit rate approximately 2.99%–3.25% monthly (≈ 36%–39% annually).
Costs:
Who It’s For
Consumers seeking a Sharia-compliant credit card with competitive rewards and lifestyle benefits.
Required Documents for Credit Card Applications
Before applying for a credit card in the UAE, it is important to gather the necessary documents. While specific requirements can vary by bank and card type, the following documents are generally needed:
For UAE Nationals:
- Emirates ID: A valid Emirates ID card.
- Passport: A copy of your passport (for identification purposes).
- Salary Certificate: Often required to verify your income level.
- Bank Statements: Recent bank statements (usually covering the last 3 to 6 months) to prove financial stability.
- Proof of Address: Utility bills or tenancy contracts may be required to confirm your residence.
For Expatriates:
- Passport Copy: A clear copy of your passport, including the visa page.
- Emirates ID: A valid Emirates ID issued by the UAE government.
- Residency Visa: A copy of your current residency visa.
- Salary Certificate or Employment Letter: Documents that verify your employment and income.
- Bank Statements: Typically, the last 3 to 6 months of bank statements to demonstrate financial stability.
- Proof of Address: This could be a tenancy contract or a recent utility bill.
Additional Documents (if applicable):
- Credit Report: Some banks might request a recent credit report.
- Business Documents: For corporate or business credit cards, additional documentation like trade licenses or company financial statements may be required.
Having these documents ready not only speeds up the application process but also increases your chances of approval, as banks in the UAE follow stringent verification procedures to ensure creditworthiness.
Key Factors to Consider Before Getting a Credit Card in the UAE in 2025
Purchasing a credit card is a significant financial decision. To choose the best option in the UAE, evaluate the following points carefully:
- Assess Your Monthly Spending Limit
Analyze your monthly expenses and income to determine a suitable credit limit. Compare cards to find one that aligns with your budget and lifestyle, ensuring you avoid overspending. - Understand Fee Structures
Review the card’s fees, including:- Annual fees: Some cards waive this for the first year or based on spending.
- Monthly fees: Check for hidden charges.
- Late payment penalties: High fees can accumulate quickly.
- Cash withdrawal charges: These often come with high interest rates and additional costs.
- Prioritize Low Interest Rates
The best credit cards in 2025 offer competitive interest rates (e.g., profit rates for Islamic banking options). Look for cards with low or 0% introductory rates, especially if you plan to carry a balance. - Explore Cashback and Rewards Programs
Look for cards with cashback or rewards tailored to your spending habits (e.g., dining, travel, or online shopping). In 2025, many UAE banks offer enhanced digital rewards—check if points expire or have flexible redemption options. - Monitor Bonus Points and Perks
Regularly review how rewards accrue and redeem them before they lapse. Look for bonus perks like airport lounge access, travel insurance, or exclusive discounts—popular features in UAE cards. - Check Eligibility Requirements
- Minimum Age: You must be at least 21 to apply for a credit card in the UAE.
- Income Threshold: Most banks require a minimum salary (e.g., AED 5,000–15,000/month, depending on the card).
- Residency: Valid UAE residency is typically mandatory.
- Consider Digital and Sustainable Options
In 2025, UAE banks are emphasizing digital wallets and eco-friendly cards. Choose a card compatible with mobile payments (e.g., Apple Pay, Samsung Pay) and one that supports sustainability goals, if that matters to you. - Evaluate Additional Benefits
Beyond cashback, look for features like:- No foreign transaction fees (ideal for frequent travelers).
- Installment plans with 0% interest (common for retail purchases in the UAE).
- Fraud protection and contactless payment options.
The Best Credit Card in UAE is one offering Low Interest Rates.
Conclusion: Selecting the Best Credit Card for Your Needs
In 2025, the Best Banks in UAE offer a range of credit cards designed to fit different lifestyles. Whether you’re interested in valuable discounts, travel benefits, or Sharia-compliant options, selecting a card that suits your spending habits and long-term objectives is key. This guide has explored every important detail, from understanding various card types and the required application documents to a thorough analysis of rewards and security features.
Our top 10 list, featuring options such as Emirates NBD Signature and Dubai Islamic Bank Platinum, ensures there is a suitable choice for every financial need. Before applying, always check the latest terms and conditions on the banks’ official websites, as offers and eligibility criteria can change. The right credit card can help you enjoy many benefits while also laying a strong foundation for your financial future. Spend wisely, transact securely, and enjoy the advantages of the ideal credit card for your lifestyle.
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