Best Credit Cards in Dubai, UAE for September 2024 (2024)

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Best Credit Cards in Dubai, UAE for September 2024 (1)

What is a Good Credit Card in UAE: Features and Benefits

Credit cards let you make purchases on credit by borrowing money from a bank. In the UAE, they are widely accepted and are essential financial instruments for both residents and expats.

To know more about what a good credit card in UAE is, you need to find out about their features and benefits –

More Purchasing Power — A credit card allows you to make purchases even when your bank account is low, providing financial freedom.
Lucrative Rewards — Earn reward points on every purchase. Redeem these points for discounts on shopping, dining, flights, valet parking, and airport lounge access.
Easy Expense Tracking — Credit card statements are easily accessible via email and phone, which helps you monitor and manage your spending effectively.
Convenience — No need to carry cash! Credit cards are easy to use — their tap-and-pay features make transactions quick and secure.
Emergency Aid — Credit cards provide a financial cushion for unexpected expenses when you don't have enough cash.
Builds Credit Score — When you use a credit card responsibly and make timely payments and manage expenses, it can improve your credit score. This, in turn, can lead to better interest rates and financial benefits.

List of the Top Credit Cards in UAE

This section brings you a well-researched list of the #1 best credit cards in UAE for the year. These credit cards are popular for features like cashback, balance transfer, rewards, and more.

Here’s a list of the top 10 credit cards in UAE for your convenience —

1. Liv. World Credit Card

Liv.Liv. World Credit Card

Minimum Salary (AED)10,000

Annual Fee (AED)700

Features

Cashback
Airport Lounge Access
Special Discounts
Skywards Miles
Flight bookings

Best Offers of Liv. World Credit Card

Up to AED 18,000 annual cashback
Up to 15% cashback on transactions
Up to 1 Skywards Miles for every AED 1 spent

2. ADCB Talabat Credit Card

Abu Dhabi Commercial BankAbu Dhabi Commercial Bank talabat ADCB Credit Card

Minimum Salary (AED)5,000

Annual Fee (AED)Free for Life

Features

Free for Life
AED 500 Welcome Bonus
Talabat credit on spends
Unlimited free delivery on talabat
Personalized card design
Airport Lounge Access

Best Offers of ADCB Talabat Credit Card

Welcome bonus of AED 500 on a minimum spend of AED 2,500 in the first 45 days
35% back on the first 10 talabat orders
Get up to 1.25% talabat credit on retail purchases

3. RAKBANK Skywards World Elite Mastercard Credit Card

RAKBANKRAKBANK Emirates Skywards World Elite Mastercard Credit Card

Minimum Salary (AED)20,000

Annual Fee (AED)1,499

Best Offers of RAKBANK Skywards World Elite Mastercard Credit Card

Up to AED 1,000 Emaar gift card on eligible spends
Up to 40,000 Skywards Miles per month
Upgrade to Emirates Skywards Gold Tier Status
Get 50% additional Skywards Miles in the first 3 months
A bonus of 160,000 Skywards Miles

4. CBD Smiles Visa Platinum Credit Card

Commercial Bank of DubaiCommercial Bank of Dubai Smiles Visa Platinum Credit Card

Minimum Salary (AED)5,000

Annual Fee (AED)199

Features

Lifestyle Benefits
Movie Discounts
Dining Discounts

Best Offers of CBD Smiles Visa Platinum Credit Card

90 days free subscription to Unlimited ‘Buy 1 Get 1’ Offers worth AED 55
Up to 2 Smiles points on international purchases
Up to 1.5 Smiles points on local purchases
Up to 50% off on cinema tickets at NOVO Cinemas

5. Emirates NBD Mastercard Titanium Credit Card

Emirates NBDEmirates NBD Mastercard Titanium Credit Card

Minimum Salary (AED)5,000

Annual Fee (AED)Free for Life

Features

Free for Life
Lifestyle Benefits
Airport Lounge Access
Golf Benefits
Travel Benefits

Best Offers of Emirates NBD Mastercard Titanium Credit Card

Free access to more than 10 VIP airport lounges
Up to 1 Plus Point on every AED 100 spent
Get AED 300 worth of noon.com voucher
Up to 40% discount at more than 100 international golf courses

6. Emirates NBD Go4it Gold Credit Card

Emirates NBDEmirates NBD Go4It Gold Credit Card

Minimum Salary (AED)6,000

Annual Fee (AED)103.95

Features

Cashback
Dining Discounts
Insurance

Best Offers of Emirates NBD Go4it Gold Credit Card

Up to 5 Plus Points on every AED 400 spent
Complimentary Rides on Dubai Ferry

7. CBD Visa Infinite Credit Card

Commercial Bank of DubaiCommercial Bank of Dubai Visa Infinite Credit Card

Minimum Salary (AED)15,000

Annual Fee (AED)1st Year Free*

Features

Free for 1st year
Welcome Bonus
Airport Lounge Access
Movie Discounts
Dining Discounts
Valet Parking

Best Offers of CBD Visa Infinite Credit Card

Welcome offer of AED 2,000 cashback on spending at least AED 20,000 on a new card within the first 30 days
Up to 50% discount on movie tickets

8. ADCB LULU Platinum Credit Cards

Abu Dhabi Commercial BankAbu Dhabi Commercial Bank LULU Platinum Credit Card

Minimum Salary (AED)15,000

Annual Fee (AED)Free for Life

Features

Free for Life
Lifestyle Benefits
Airport Lounge Access

Best Offers of ADCB LULU Platinum Credit Cards

Up to 5 LULU points on every AED 1 spent
0% interest payment plan on education fee payment

9. Citibank Citi Prestige Credit Card

CitibankCitibank Citi Prestige

Minimum Salary (AED)30,000

Annual Fee (AED)1,500

Features

Welcome Bonus
Airport Lounge Access
Movie Discounts
Dining Discounts
Golf Benefits
Travel Insurance
Purchase Protection & Extended Warranty

Best Offers of Citibank Citi Prestige Credit Card

A signup bonus of AED 600
Up to 3 ThankYou points per USD spent
Transfer points to 12 partner airlines

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

Best Offers of FAB SHARE Platinum Credit Card

Up to 7% SHARE points at Carrefour for every AED 1 spent
Up to 4.25% SHARE points on shopping at the Mall of the Emirates and City Centres in the UAE
Up to 6.25% SHARE points at Ski Dubai, Dreamscape, Little Explorers, VOX Cinemas, Magic Planet, and iFLY Dubai

Best Credit Cards in UAE for All Your Requirements

Here is the list of the top credit cards in UAE with different offers —

Cashback
Reward Offers
Free for Life
0% Balance Transfer
Airport Lounge Access
Air Miles
Cinema Offers
Grocery Shopping

Top 5 Cashback Credit Cards in UAE

With a cashback credit card, you can earn cash rewards on your purchases! The best credit cardin UAE usually offer cashback points on supermarket purchases, grocery shopping, and payment of education fees, utility bills, fuel bills, dining, and government services.

Here are the best cashback credit cards in the UAE —

Credit Cards	Credit Card Offers	Apply
Citibank Citi Cashback Card	3% cashback on international spends 2% cashback on grocery spends 1% cash back on other spends	Apply Now
Commercial Bank of Dubai Super Saver Credit Card	3% cashback on bills, supermarket, and transport for a monthly spend between AED 3,000 and AED 9,999.99 5% cashback on bills, supermarket, and transport for monthly spends between AED 10,000 and AED 19,999.99 10% cashback on bills, supermarket, and transport for a monthly spend above AED 20,000	Apply Now
First Abu Dhabi Bank Cashback Card	Up to AED 600 monthly cashback Up to 10% cashback on hotel bookings 5% cashback on supermarket purchases 3% cashback on dining and school fees 1% cashback on international spending 0.15% cashback on other spends	Apply Now
Emirates Islamic RTA Card	Up to 10% cashback on RTA transport payments and fuel spends Up to 2.25% cashback on international spends Up to 1.25% cash back on other shopping and spends	Apply Now
RAKBANK World Mastercard Credit Card	Up to 10% cashback on supermarket and travel Up to 5% cashback on international spending Up to 3% cashback on domestic spending	Apply Now

Best 5Reward Offers Credit Cards in UAE

Tabled below are some of the best credit cardin UAE with incredible rewards —

Credit Cards	Credit Card Offers	Apply
FAB Manchester City Titanium Card	Up to 2.5 FAB Rewards for every AED spent 20% discount on 3 rides per month with Careem Avail of all Mastercard benefits	Apply Now
Emirates NBD Dnata World Credit Card	Travel vouchers up to AED 2,500 as a welcome bonus 15% Dnata points for purchases at Dnata 15% Dnata points on Costa Coffee, Giraffe, Dnata Travel, and City Sightseeing 10% Dnata points at Al Hamra Cellar, Le Clos, MMI, Arabian Adventures, and Duty-Free shopping 2% Dnata points on retail spending	Apply Now
Liv. Platinum Credit Card	10% discount on Cleartrip flight booking 10% discount on Hotels.com Up to 15% cashback on transactions or up to 1 Skywards Mile on every AED 1 spent	Apply Now
Dubai First Cashback Card	Up to 5% cashback on spending at supermarket, dining, and fuel Up to 3% cashback on international spending Up to 1% cashback on other purchases	Apply Now
ADCB LULU Titanium Credit Card	Up to AED 250 with LULU points on a minimum spend of AED 2,000 Up to 0.2 LULU points for spends on fuel, government service, telecommunication, transport, real estate, education, and charity Up to 0.4 LULU points for spending on supermarkets, insurance, auto dealers, and quick service restaurants	Apply Now

Top 5 Free for Life Credit Cards in UAE

These are the top credit cards in UAE that have 0 annual fees. This way, you can spend and get offers and rewards without worrying about any annual fee.

Here are some of the best credit cards in UAE that are free for life —

Credit Cards	Credit Card Offers	Apply
Commercial Bank of Dubai Visa Platinum Card	Get CBD rewards on all spends Discount on Emaar entertainment 50% discount on movie tickets at NOVO Cinemas 0% interest on balance transfer Cash on Call — 6 and 12-month plans — within the first 30 days of card issuance	Apply Now
FAB SHARE Standard Credit Card	Up to 7% SHARE points at Carrefour for every AED 1 spent Up to 5.25% SHARE points at VOX Cinemas, Magic Planet, iFLY Dubai, Ski Dubai, Dreamscape, and Little Explorers Up to 3.25% SHARE points on shopping at the Mall of the Emirates and City Centres in the UAE Up to 1.75% SHARE points on international purchases, online shopping, and other retail spending	Apply Now
ADCB Talabat Credit Card	Welcome bonus of AED 500 on spending AED 2,500 in the first 45 days 35% back on the first 10 talabat orders each month 1.25% talabat credit on other retail purchases	Apply Now
Emirates NBD LULU 247 Titanium Credit Card	Up to 3.5% LULU points on daily expenses 0% balance transfer as welcome offer ‘Buy 1 Get 1’ offer on VOX Cinema tickets Access to 10+ domestic and international airport domestic lounges	Apply Now
Deem Finance Deem Platinum Mastercard Credit Card	Free access to valet parking services Exclusive ‘Buy 1 Get 1’ offers Access to more than 25 Middle East and Levant airport lounges Up to 20% on international Avis car rentals Up to 10% off on hotel bookings via booking.com	Apply Now

Best0% Balance Transfer Credit Cards in UAE

Some of the best credit cardin Dubai and UAE help you manage your debt better. These cards offer a feature of 0% balance transfer — you can transfer your existing credit card debts to a new credit card and repay your debts faster.

Tabled below are the best credit cards in UAE with 0% balance transfer —

Credit Cards	Credit Card Offers	Apply
CBD Visa Platinum Card	0% interest on balance transfer and cash on call facility within first 30 days of card issuance	Apply Now
Dubai First Low-Rate Credit Card	0% balance transfer for up to 18 months	Apply Now
Emirates NBD Lulu 247 Titanium Credit Card	0% balance transfer as welcome offer	Apply Now
RAKBANK Emirates Skywards World Elite Mastercard Credit Card	Zero processing fee on balance transfer	Apply Now
CBD Visa Infinite Credit Card	0% interest on balance transfer and cash on call facility within first 30 days of card issuance	Apply Now

Top 5 Airport Lounge Access Credit Cards in UAE

Airport lounge access is one of the many eye-catching benefits of the top credit cards in UAE. When you choose a credit card with this feature, you can access the top airport lounges with facilities for relaxing and enjoying amenities like snacks, WiFi, and beverages.

Check out the best credit cards in Dubai with airport lounge access below —

Credit Cards	Credit Card Offers	Apply
Citibank Citi Rewards Credit Card	Unlimited complimentary access to more than 1,100 international airport lounges via the Mastercard Travel Pass application	Apply Now
CBD One Credit Card	Free access to over 1,000 international airport lounges	Apply Now
FAB Du Titanium Credit Card	Complimentary access to over 10 VIP airport lounges in the UAE, Jordan, Egypt, Saudi Arabia, and Kuwait	Apply Now
Dubai First Cashback Credit Card	Unlimited complimentary access to selected airport lounges	Apply Now
Emirates NBD Marriott Bonvoy World Credit Card	Unlimited complimentary access to more than 1,000 international airport lounges	Apply Now

Best 5 Air Miles Credit Cards in UAE

If you are a frequent traveller, these are some of the best credit cards in UAE. With the travel credit cards, you get not only air miles but also offers on hotel bookings and more. Mentioned below are the top air miles credit cards in UAE —

Credit Cards	Credit Card Offers	Apply
FAB Etihad Guest Platinum Credit Card	Get a 25% Etihad Guest Miles discount voucher when you spend AED 100,000 or more per year 2 Etihad Guest Miles on every AED 10 spent locally 3.5 Etihad Guest Miles on every AED 10 spent internationally 4 Etihad Guest Miles on every AED 10 spent internationally or locally while enrolling into the Miles Accelerator Program	Apply Now
Emirates Islamic Etihad Guest Platinum Credit Card	Earn up to 75,000 Etihad Guest Miles as a bonus (valid till 31st August 2024) Up to 3.5 Etihad Guest Miles on international spends Welcome bonus of 10,000 Etihad Guest Miles Total retail spend of AED 50,000 or more within 6 months — 45,000 Etihad Guest Miles	Apply Now
FAB Etihad Guest Signature Credit Card	Get a 50% Etihad Guest Miles discount voucher when you spend at least AED 150,000 per year 2.75 Etihad Guest Miles on every AED 10 spent locally 4.5 Etihad Guest Miles on every AED 10 spent internationally 5.5 Etihad Guest Miles on every AED 10 spent towards Etihad or Etihad Airways Partners 6.5 Etihad Guest Miles on every AED 10 spent internationally or locally while enrolling in the Miles Accelerator Program	Apply Now
Emirates NBD Skywards Infinite Credit Card	Earn Skywards Miles on spending amount equivalent to USD 1 2 Skywards Miles for spends on Emirates, Duty-Free, Car booking applications, fly Dubai, and online food delivery apps 1.5 Skywards Miles on international spends 1 Skywards Mile on local purchases Earn an additional 50% Skywards Miles by enrolling in the Skywards Express Miles Program	Apply Now
Emirates Islamic Emarati Credit Card	Earn EI SmartMiles worth AED 750 (valid till 14th August 2024) Up to 3.75 EI SmartMiles on every AED 1 spent on international purchases Up to 2.25 EI SmartMiles on every AED 1 spent on local purchases	Apply Now

Top 5 Cinema Offers Credit Cards in UAE

With some of the best credit cardin UAE, you can enjoy cinema tickets discounts, complimentary tickets, and other exclusive deals when you purchase movie tickets using these credit cards.

Here’s a list of the best cinema offer credit cards in the UAE —

Credit Cards	Credit Card Offers	Apply
Citibank Citi Prestige Credit Card	6 ‘Buy 1 Get 1 Free’ movie tickets every month at VOX Cinemas (4 tickets) and REEL Cinemas (2 tickets)	Apply Now
CBD Smiles Visa Platinum Credit Card	50% off on 2 movie tickets at NOVO Cinemas every calendar month — simply spend AED 2,000 or more in a month	Apply Now
FAB Blue FAB Platinum Credit Card by Al-Futtaim	Get up to 4 movie tickets per month for AED 15 on weekdays and AED 20 over the weekends at REEL Cinemas and Cine Royal (with a minimum monthly spend of AED 3,000)	Apply Now
Emirates NBD U By Emaar Family Credit Card	‘Buy 1 Get 1’ Free offer on movie tickets at REEL Cinemas and complimentary soft drinks and popcorn with every movie	Apply Now
Emirates Islamic Switch Cashback Credit Card	Get up to 2 complimentary ‘Buy 1 Get 1 Free’ movie tickets every month at any time of the week at VOX Cinemas or REEL Cinemas with a minimum spend of AED 5,000 per month	Apply Now

Best 5 Grocery Shopping Credit Cards in UAE

The top credit cards in UAE are not only for luxury spends — you can get rewards on grocery shopping and purchasing from supermarkets too. The rewards could be cashback or exclusive discounts. Mentioned below are the best grocery shopping credit cards in the UAE —

Credit Cards	Credit Card Offers	Apply
Dubai First Cashback Card	Up to 5% cashback on spending at supermarkets	Apply Now
Emirates Islamic Switch Cashback Credit Card	Up to 4% cashback on spends related to supermarkets	Apply Now
RAKBANK World Mastercard Credit Card	Up to 10% cashback on spending at supermarkets	Apply Now
RAKBANK Titanium Mastercard Credit Card	Up to 5% cashback on spending at supermarkets	Apply Now
Citibank Citi Cashback Card	Up to 2% cashback on grocery spends	Apply Now

FAQ's About Best Credit Card in UAE

Q1: Which credit card is best in the Dubai, UAE?

Ans: You can find the best credit cards from Citibank, Commercial Bank of Dubai, First Abu Dhabi Bank, Emirates NBD, Emirates Islamic, Dubai First, Abu Dhabi Commercial Bank, Liv., Deem Finance, and RAKBANK.

Q2: How do you choose the best credit card in UAE?

Ans: When planning to buy the best credit card in UAE, you should look into the following factors — annual fees, spending habits, rewards and benefits, credit shield insurance, international expenses, instalment plans, supplementary cards, and more.

Q3: What is the minimum income to apply for a credit card in Dubai, UAE?

Ans: The minimum monthly salary to apply for a credit card is AED 5,000.

Q4: How do you get a credit card in the UAE?

Ans: You can easily get a credit card in UAE via Policybazaar.ae. This is a third-party aggregator with an easy user interface and top options from a variety of providers. Simply fill in the lead form and follow the instructions thereon.

Q5: What are the documents required to get a credit card in UAE?

Ans: The documents required to apply for a credit card in UAE include –

Emirates ID
Passport copy
Recent salary certificate (for salaried employees)
Last 3 months’ bank statements
Trade licence (for a self-employed individual)
Security cheque

Q6: What is a good credit score for credit card applications in the UAE?

Ans: The minimum credit score to apply for credit card in the UAE is 541. However, note that the actual requirements may vary as per the bank

Q7: Which are the best cashback credit cards in the UAE?

Ans: The best cashback credit cards in UAE are –

Citi Cashback Card
CBD Super Saver Card
Emirates Islamic RTA Card
Emirates Islamic Cashback Card
FAB Cashback Card

Q8: What are the differences between cashback and rewards on credit cards in the UAE?

Ans: With a cashback credit card, you get cashback credited to your account (reflected in your next bill statement) that you can use to buy anything. Reward point credit cards, however, give points within a set period. You can use these points to buy products from the lender’s website.

Q9: Which is the most lenient and affordable credit card with simple eligibility criteria in the UAE?

Ans: The most affordable credit card is the Citibank Citi Simplicity Credit Card.

Q10: What are the eligibility criteria to apply for a credit card in UAE?

Ans: Here are the eligibility criteria to apply for a credit card in the UAE —

Minimum monthly salary — AED 5,000
Minimum age — 21 years
Debt-to-burden ratio — Less than 50%

Q11: Which bank’s credit card is the best in the UAE?

Ans: Several banks offer the best credit cards in UAE including —

Emirates Islamic Bank
Abu Dhabi Commercial Bank
Commercial Bank of Dubai
RAKBANK
Citibank
First Abu Dhabi Bank

Q12: Is it okay to have 2 to 3 credit cards in the UAE?

Ans: If you have a strong hold over your finances, you can certainly have multiple credit cards.

Q13: Which are the best credit cards in UAE without any annual fee?

Ans: The following are the best credit cards in UAE with no annual fee —

CBD Visa Platinum Credit Card
FAB SHARE Standard Credit Card
Talabat ADCB Credit Card
Emirates NBD Mastercard Titanium Credit Card
Deem Finance Platinum Mastercard Card

Q14: Which is the most expensive credit card in UAE?

Ans: The best elite credit cards in UAE are the American Express Black Card, Dubai First Royale Credit Card, and JP Morgan Chase Reserve Card.

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