Best Credit Card in UAE 2024 | May 2024 | Apply Online Now (2024)

Are you looking for the best credit cards available in UAE in 2024? Then you’ve come to the right place! With dozens of options for UAE residents, it can be hard to narrow down the choices. To help out, we have compiled a list of our top credit cards for UAE residents in 2024. We’ll provide an overview of each card and its features, plus a few tips on how to choose the right one for your individual needs. So if you’re ready to find the perfect credit card in UAE, read on!

The best credit cards in UAE

There are many great credit cards in the UAE, but which one is right for you? It depends on your spending patterns and what you’re looking for in a credit card. Do you want cash back or rewards points? Do you spend more on petrol or travel?

The best way to find the best credit card for you is to compare different offers and see which one suits your needs the most. Here are some of the best credit cards in the UAE:

1. Citi Simplicity Credit Card:

This credit card is considered to be one of the best credit card in UAE because it gives no burden of cash advance fee, annual fee, and late payment fee which is usually seen in other credit cards. If you have AED 5000 per month salary then you are eligible to buy this card.

Key features:

• No imposition of over the limit fee that can save you from a heavy debt burden ratio.
• For this, you only have to have a minimum salary of AED 5,000 per month along with a 0 % rate of interest for half a year of installments.
• You can avail exciting dining and entertainment discounts.
• There is Airport lounge access available.
• It provides you plenty of complimentary supplementary cards for your loved ones.
• You can Paylite and access to quick cash.

2. HSBC Cashback Credit Card:

HSBC Cashback Credit Card offers cashback on various spending categories, making it an ideal card for individuals who want to earn rewards on their everyday spending. Here are some of the features and benefits of the HSBC Cashback Credit Card:

Key Features:

• No annual fee for the 1st year and 2nd year onwards fee waiver subject to meeting minimum spend^T&C

3. Emirates NBD LuLu 247 Mastercard Titanium Credit Card:

Special member benefits at LuLu including priority checkout, early access to sales and promotions, free shipping on LuLu online and other discounts:

Key features:

• Up to 3.5% back as LuLu Points on your daily spends
• Buy 1 get 1 free on movie tickets with Vox Cinemas
• Easily redeem LuLu Points at over 70 LuLu stores
• Up to 4% on fuel spends
• Up to 2% on utility bill payment

Eligibility:

• Minimum Salary required AED 5000 or above.

4. Emirates NBD U by Emaar Family:

A credit card that rewards you with enriching experiences every day. Up to 30% off on entertainment at Emaar and buy-one-get-one free experiences at Reel Cinemas.

Key features:

• 50 UPoints per AED 100 on Emaar Spends.
• 10 UPoints per AED 100 on other Spends.
• 10% off dining across Emaar Hospitality Group
• 10% off spas at Emaar Hospitality venues
• 30% off on entertainment activities
• Buy-one-get-one free at Reel Cinemas
• 5% discount on best available rate and complimentary upgrade to a suite if booked through Emaar Group websites or app

Eligibility:

5. Citi Premier Credit Card:

Citi Premier Credit Card is a premium credit card offered by Citibank in the United Arab Emirates. This card is designed to cater some of the exclusive privileges and benefits as mentioned below:

Key Features:

• Redeem points for cash rebates, travel related spend, merchandise or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways
• No annual fee for the first year
• 50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
• Flat 30% off 4 movie tickets at VOX cinemas
• Unlimited access to 1000+ LoungeKey lounges worldwide (+guest)
• Complimentary golf once a month at some of the best golf courses in the UAE
• Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
• Fast, safe and effortless purchases, with Apple Pay
• Complimentary Travel Insurance and Purchase Protection
• Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport
• Citibank World Privileges, Free Citibank Alerting service and much more

Eligibility:

5. Emirates Islamic Bank Cashback Plus Card:

This card is considered to be the best-selling credit card in the UAE region. To apply for the Emirates Islamic Bank Cashback Plus Card, the applicant needs to have a minimum salary (AED) 12000 and annual fee (AED) 299 and must have UAE residence Visa. This card rewards the cardholder with 10% cashback on every dirham spent. It is presented with loads of perks and innovative rewards that may help you in gaining maximum value for money.

Key features:

• Offers an easy access to a wide range of unique offers from Visa and 0% easy payment plans.
• It gives to balance transfer facility, RTA benefits, medical and multi-trip insurance.
• You can avail its free supplementary cards and a full-time customer support facility.
• It gives you protection with Islamic Credit Shield that may help you in meeting card payment failures.
• Cardholder gets extended warranty for up to 12 months on purchase through card.
• Additional benefits include golf offers, hotel stays, and exclusive discounts at 900 luxurious hotels around the world.
• The credit card is also linked to the famous Mazaya that rewards card members with easy access to various offers and benefits at dining across the UAE.

6. RAKBANK Titanium Credit Card:

The RAKBANK Titanium Credit Card is packed with innovative rewards and holistic advantages. It is kind of a new revolution in the financial sector. It is the most rewarding credit card in UAE with exciting features and offers. The eligibility criteria for this card include good credit history and a minimum salary of AED 10000 and an annual fee AED 0.

Key Features:

• Offers low interest-free credit for around two months.
• Provides free supplementary cards for family members.
• Cashback of 5% on dining, fuel, and supermarkets.
• Cashback of 50% on cinemas and 20% off on the Careem rides.
• It allows the card members to send money by using RAKMoney transfer digitally.
• Cardholders can get 0.25% cashback on each AED 1 and can also enjoy 5 % cashback on retail transactions.
• It provides you unlimited complimentary access to many VIP lounges.

7. CBD Super Saver Credit Card:

CBD Super Saver is also a good option when it comes to choosing a credit card. This card avails you to save on every purchase you do in Dubai. The eligibility criteria parameters for this credit card include that the applicant must have a minimum salary of AED 8,000. Also, the applicant must be between 21 to 63 years of age and a UAE resident.

Key Features:

• Offers 3% cashback offer for this the cardholders have to make monthly purchases of AED 3000 on transport, utility bills or supermarket stuff.
• Offers 10% cashback on retail transactions, 1% cashback on every AED 2, 50% discount on cinema tickets.
• Offers complimentary airport lounge access and free supplementary cards for family members.
• The cardholders can enjoy purchase protection whenever the card would be used.
• You can avail a 50% discount on REEL and VOX cinema tickets.
• This card also gives the benefit of 15% off at Emaar entertainments in Dubai.
• very least chances of fraud as the microchips embedded in the credit card strict protection. Besides, the CBD Super Saver Credit card member will be provided 24X7 help.
• You can also get two valet parking services for free of cost, also get benefits on Visa Entertainer App.

8. ADIB Value+Card:

This credit card offers rewards on purchases on every swipe. An applicant needs to have AED 5000 and AED 0 annual fee for being eligible for this card. It provides roadside assistance too.

Key Features:

• Provides 100% Credit limit for cash withdrawal.
• Cardholder gets 2 reward points of each 1 AED.
• Higher reward points and high savings.
• Best for frequent card users.
• Provides balance transfer and assistance in utility payments.
• The profit rate of the card is 10% and the FX rate is 3.1 %.
• Avails Salary Transfer and all Priceless Arabia offers along with various reward points for Club Apparel Gift Card that you can redeem on this card.
• This card also offers flexibility to redeem points for shopping vouchers.
• Through this card, the cardholder can redeem 10,000 points on shopping for AED 50.
• Offers 25% discount on dining restaurants and access to airport lounges.
• Also offers a free grace period of 55 days to repay the outstanding balance.
• Get Rewards on local and international purchases as well.

10. Deem Titanium Cash Up Credit Card:

This card is best if you want to have plenty of attractive offers with leisure and an easy convenient life. The eligibility for this card requires a minimum salary of 5000 dirhams per month.

Key Features:

• Offers 3% accelerated cashback on telephone and electricity and government services and 5% on all other retail transactions.
• You can have over 900 offers over 90 destinations in UAE and around the globe.
• You can also avail various profitable deals on dining, entertainment
• Deem Offers app provides much higher innovative offers to the cardholders.
• You can have lounge access, cash up points, offers on Careem Rides and car rentals.
• It provides you easy payment plans on just spend of 500 dirhams and also easy balance transfer from other bank accounts to you deem accounts at a reasonable rate.
• Offers privileges to family through supplementary credit cards.
• Gives BOGO Offers through MasterCard Buy One Get One App.

List of Available Best Credit Cards in UAE with Annual fees, Minimum Salary required & Key Feature.

Top five credit cards in different categories in UAE:

1. Top five cashback credit cards in UAE

• MASHREQ Cashback Credit Card:

The MASHREQ credit card takes guarantee of your purchase protection along with travel insurance and extended warranty. The interest rate on this card is 3.45 percent and provides you 5 percent cash back on dining spends in the UAE.

• CITI Cashback Credit Card:

This credit card provides you excellent cashback on your international expense. It gives you travel insurance, balance transfer, unlimited and automatic cashback and airport lounge access. The credit rate is 3.50 percent.

• FAB Credit Card:

This credit card gives you various key benefits including cinema tickets, airport lounge access, a balance transfer, dining offers, and health and fitness too. There is avail of up to 2 discounted tickets at VOX. The interest rate is 3.50 percent.

• ADIB Cashback Visa Platinum Card:

This is a credit cashback card offered by the Abu Dhabi Islamic Bank (ADIB) with minimum credit balance of AED 8,000. It has various sound benefits entailed in it that are gold offers, cinema ticket, balance transfer, air miles, roadside assistance, airport lounge access, purchase protection, etc.

• Visa Platinum Credit Card:

This cashback credit card in UAE is something that provides platinum benefits like purchase protection, car registration, valet parking, golf offers, cinema tickets, airport chauffeur services, extended warranty, health, and fitness, etc.

• Mashreq Novo Credit Card:

This cinema offer credit card is the only card that gives you a 50% offer on your cinema tickets. Isn’t that amazing? Not only this it also offers high line benefits to its cardholders and offers around eight movie tickets at discounts. It gives you credit shield coverage too.

• ADCB Simplylife cashback credit card:

It provides you best movie offers including two movie tickets free per month where you can get a 100% cashback offer as well. You can make easy instalment payments at reasonable rate and balance transfer facility.

• CBD Smiles Visa Signature Credit Card:

It is one of the top-line feature credit cards that offers you special discounts and a welcome bonus of 50000 smiles points and 50% discount on your cinema tickets.

• Emirates Citibank Ultima Credit Card:

This gives various movie discounts like you can get one movie ticket free on buying one only at Reel and Vox Cinemas per month. Also, you can avail various other discounts on restaurant and other entertainments.

• Emirates NBD Go4it Gold Card:

The cinema enthusiasts would love to have this card as it provides a 50% discount on movie tickets at VOX Cinemas. They can use the Visa credit cards to avail themselves of the benefits and can also earn various points.

• FAB Platinum Visa Credit Card:

This credit card has a high variety of features and offers that can be availed throughout the world. The lifestyle benefits, complimentary travel insurance, and reward stars on each dirham spent are all that you can earn in this card. It is best for moviegoers and travelers.

• Emirates Islamic Flex Elite Credit Card:

It is a premium credit card used in UAE that offers lucrative rewards and unmatchable benefits. It comes with an almost complete reward points package including from EI Smart Miles to Visa Paywave and many outstanding features that could best suit you.

• ADIB Value+ Credit Card:

As this is one of the best credit cards one could have so you can choose this also if you are looking for reward point credit card as it offers rewards with a higher range which you can redeem any time.

• HSBC Platinum Select Credit Card:

This a reward point credit card that will give you utmost leisure with its exciting privileges and offers. Besides, you can even get 1 Air Mile for every AED 4 through this card.

• ADCB Touchpoint Infinite Credit Card:

This card is entailed with many offers and leisure benefits that can be availed on dining, entertainment, and Careem rides. You can even earn bonus points of 15000 on each AED 15000 per month.

• Emirates Islamic Skywards Infinite Credit Card:

The card gives you a crystal chance to clear off your outstanding balance of other banks without any inconvenience. You can earn Skywards Miles for every spent dirham. One of the best credit card in UAE with its innovative features like balance transfer, complimentary lounge access, multi-trip, instant cash advance, purchase protection, etc.

• Mashreq Platinum Elite Credit Card:

This card not only gives you maximum discounts but also gives you the health club memberships. You can pay off your card balance in an easier way via monthly installments. It offers you an easy payment plan for its cardmembers. There is a credit shield, revolving balance transfer and wallet protect too.

• Deem MasterCard Titanium Cash Up Credit Card

It can be the best when it comes to controlling the finances and repayment of your outstanding balances conveniently. You can avail of its top rewards including cash up, car rentals, easy payment plan, strict card protection, etc.

• ADCB Etihad Guest Platinum Credit Card:

This is the only card that offers a balance transfer facility for two years for elite persons. Its unique features are card control, extended warranty, credit shield, allowance of 55 interest-free days, etc. Convenient payment options include mobile banking and personal internet banking.

• HSBC Black Credit Card:

This credit card offers you a 0% interest rate on your balance transfer. You can avail of movie discounts, golf offers, and airport lounge access too. If you want to save on the interest amount then this card is best to be chosen for use.

How to choose the right credit card

There are a few things to consider when choosing the right credit card in UAE. The first is what type of card you want: cash back, rewards, or low interest. Second, what is your credit score? This will help determine which card you qualify for. Third, what are the fees associated with each card? Make sure to compare and contrast before making a final decision. And lastly, make sure the card you choose aligns with your spending habits.

The benefits of using a credit card

There are many benefits of using a credit card, including the ability to earn rewards points, cash back, and other perks. Credit cards also offer protection against fraud and provide a convenient way to make purchases.

How to use a credit card responsibly

If you’re new to using credit cards, or if you’re looking to improve your credit card habits, here are some tips on how to use a credit card responsibly.

1. Make sure you can afford the monthly payments.

Before you charge anything on your credit card, make sure you can afford the monthly payments. That means keeping track of your spending and not charging more than you can pay off each month.

2. Pay your bill on time.

One of the most important things you can do with a credit card is pay your bill on time, every month. This will help you avoid late fees and keep your interest rates low.

3. Keep your balances low.

Another important factor in using a credit card responsibly is to keep your balances low. That means not maxing out your credit limit and carrying a balance from month to month. Try to keep your balances below 30% of your total credit limit.

4. Use rewards wisely.

If you have a rewards credit card, use it wisely! That means taking advantage of the points or cash back offers, but not spending more just to get the rewards. Use the rewards to save money or pay down debt instead of racking up more debt.

The disadvantages of credit cards

There are a few disadvantages of using credit cards in the UAE that customers should be aware of. First, if you don’t pay your bill in full and on time, you’ll be charged interest. This can add up quickly, especially if you’re carrying a balance from month to month. Second, many credit cards have annual fees. These fees can range from AED 100 to AED 1000 or more, so it’s important to compare different cards before deciding which one is right for you. Third, some merchants charge a “foreign transaction fee” when you use your credit card abroad. This fee is typically around 3% of the total purchase price, so it’s something to keep in mind if you plan on using your card while traveling. Finally, if you misuse your credit card or rack up a lot of debt, it can damage your credit score. This can make it difficult to get approved for loans or lines of credit in the future.

Conclusion

If you are looking for the best credit cards in UAE for 2023, this guide has provided a comprehensive overview of the options available. We have discussed the benefits and drawbacks of each card to give you an informed decision on which one will suit your needs best. Weigh up these factors according to your personal circ*mstances and shop around with different providers to get the most competitive rate before settling on any particular card. With so many excellent choices out there, finding a great credit card should be easy!

Top Credit Cards by Categories

• Cashback Credit Cards
• Zero Annual Fee Credit Cards
• Travel or Air Miles Credit Cards
• Reward Point Credit Cards
• Islamic Credit Cards

Top Credit Cards by Features

• Cinema Offers Credit Cards
• Golf Offers Credit Cards
• Dining Offers Credit Cards
• Airport Lounge Access Credit Cards

Top Credit Cards by Bank

• Bank FAB Credit Cards
• Emirates NBD Credit Cards
• Citibank UAE Credit Cards
• Dubai Islamic Banks Credit Cards
• ADCB Credit Cards
• ADIB Credit Cards
• Deem Finance Credit Cards
• CBD Credit Cards
• Mashreq Bank Credit Cards
• Emirates Islamic Bank Credit Cards
• HSBC Credit Cards
• Najm Credit Cards
• RAK Bank Credit Cards