MINIMUM SALARY
AED 5000
RATE
3.99%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5000
RATE
3.99%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.61
Cash Advance Fee
3.15 % AED 157.5
Joining Offers
Key Features
Reward Features
Get 20,000 bonus FAB Rewards a month
Enjoy monthly FAB Rewards bonuses of 20,000 FAB Rewards if you spend AED 10,000 or more each month.
Receive 5 FAB Rewards on your online spending
Keep shopping online - each time you use your FAB Rewards Indulge Card for online purchases, you’ll receive 5 FAB Rewards for every AED 1 spent.
Earn 1 FAB Reward on all other spending including abroad
There are more rewards for you. Get 1 FAB Reward* for each AED 1 spent on all other spending in the UAE and aboard (including non-AED currencies).
Use your FAB Rewards for cashback and much more
FAB’s exclusive loyalty programme, FAB Rewards gives you several rewards across your banking. Redeem rewards on retail, dining, cashback, miles and entertainment. Manage your rewards quickly and easily through the FAB Mobile app.
FAB Rewards earning is capped at 50,000 FAB Rewards per month.
*Selected categories will earn 0.5 FAB Rewards per AED 1 spent
*Supermarkets, telecom, fuel, education, government, charities, transport, rental, insurance and fast-food spending will earn 0.5 FAB Reward for every AED 1 spent.
Things To Be Aware Of
MINIMUM SALARY
AED 5000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
Get up to AED 800 cashback. Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.
The campaign is open to all new and existing HSBC customers who apply and receive approval for a new primary credit card and who do not have a primary credit card at the time of application and had not had one during the 6 months prior to applying.
Key Features
Reward Features
Earn Cashback on ALL spends:
There is a minimum spend of AED 3000 in a month which needs to be met to avail the cashback on fuel, supermarket and education categories. Incase the spend is not met one will earn 0.5% cashback on the transactions.
Things To Be Aware Of
MINIMUM SALARY
AED 5000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / AED 131.25
Joining Offers
Limited Time Offer - Welcome bonus of AED 500 as cashback points!*
*To be eligible for the bonus cashback points a minimum retail spend of AED 15,000 in 60 days of card open date is required. The cashback points will be credited to your EI Rewards account within 90 days of campaign end date i.e. latest by 31 December 2024.
Key Features
Reward Features
Lifestyle
| Merchant Category | Cashback % | Monthly Cap (in AED) |
|---|---|---|
| Supermarket (Domestic) | 4% | 200 |
| Dining | 4% | 200 |
| Fuel (Domestic) | 8% | 100 |
| Education | 4% | 200 |
| Telecom, Utilities, Real Estate & Govt. Spends | 0.5% | No Cap |
| Other spends | 1% | No Cap |
Travel
| Merchant Category | Cashback % | Monthly Cap (in AED) |
|---|---|---|
| Airlines | 4% | 200 |
| Hotels | 4% | 200 |
| Dining | 4% | 200 |
| Telecom, Utilities, Real Estate & Govt. Spends | 0.5% | No Cap |
| Other spends | 1% | No Cap |
On the Emirates Islamic Switch Cashback Credit Card, the Cashback calculated for the month are for all based on transactions posted in the calendar month based on the category chosen by the customer, Lifestyle or Travel. This means the Cashback earned will only be accrued for transactions billed within the calendar month subject to a minimum spend of AED 2,500.To redeem your accrued cashback as a statement credit, you must have a minimum of AED 300 worth of Cashback in your Cashback wallet.
Things To Be Aware Of
MINIMUM SALARY
AED 5000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
0% balance transfer with no processing fees.
Key Features
Reward Features
Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED
Things To Be Aware Of
MINIMUM SALARY
AED 5000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min AED 99
Joining Offers
Key Features
Reward Features
The Citi Simplicity card does not include any sort of rewards program. While it is certainly a great option for paying down debt.
Things To Be Aware Of
MINIMUM SALARY
AED 5000
RATE
3.85%
ANNUAL FEE
AED 300
MINIMUM SALARY
AED 5000
RATE
3.85%
ANNUAL FEE
AED 300
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
AED 800 cashback bonus when you spend AED 5000 or above in the first 60 days. Get an AED 500 joining bonus when you spend AED 5,000 or more, or an AED 800 bonus when you spend AED 8,000 or more, within the first 60 days of card issuance.
Key Features
Reward Features
Supermarket Spending (Including Online)
Cashback :5%
FAB Rewards: 17 FAB Rewards per AED 1 spent
Fashion
Cashback : 5%
FAB Rewards: 17 FAB Rewards per AED 1 spent
Dining
Cashback : 5%
FAB Rewards:17 FAB Rewards per AED 1 spent
All Other Spending (Excluding Select Categories)
Cashback : 1%
FAB Rewards:3.5 FAB Rewards per AED 1 spent
Select Categories
Cashback : 0.15%
FAB Rewards: 0.5 FAB Rewards per AED 1 spent
Non-AED Spending
Cashback : 3%
FAB Rewards : 10 FAB Rewards per AED 1 spent
Cashback is capped at AED 200 each on dining out, fashion shopping and grocery shopping.
Overall cap of AED 1,000 per month across all categories.
Cashback will be processed in equivalent FAB Rewards, redeemable instantly on the FAB Mobile app.
Things To Be Aware Of
MINIMUM SALARY
AED 8000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
Key Features
Reward Features
Unlimited, Automatic Cashback on all Spend
3% cashback on all non-AED spend
2% cashback on all grocery/supermarket spend
1% on all other spend
No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded.
Things To Be Aware Of
MINIMUM SALARY
AED 5000
RATE
3.85
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5000
RATE
3.85
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / or AED 105
Joining Offers
Double cashback for first two months till 31st March 2024
Key Features
Reward Features
There are three plans available: One, One Plus, and One VIP.
For the One plan, the regular monthly cashback is AED 135, with a double cashback promotion of AED 270. The plan is free for the first 36 months, and from the 37th month onwards, a monthly fee of AED 39 is waived if a minimum total spend of AED 8,000 is met. The minimum total monthly spend required to avail cashback is AED 5,000, and transactions on selected brands like Airbnb, Booking.com, and Uber are eligible for cashback.
For the One Plus plan, the regular monthly cashback is AED 250, with a double cashback promotion of AED 500. Similar to the One plan, it's free for the first 36 months, and from the 37th month onwards, a monthly fee of AED 69 is waived if a minimum total spend of AED 15,000 is met. The minimum total monthly spend required to avail cashback is AED 8,000, and transactions on selected brands like Netflix, Spotify, and Starbucks are eligible for cashback.
For the One VIP plan, the regular monthly cashback is AED 500, with a double cashback promotion of AED 1,000. This plan is free with a minimum spend of AED 22,000, otherwise, a monthly fee of AED 99 applies if the spend criteria are not met. The minimum total monthly spend required to avail cashback is AED 15,000, and transactions on selected brands like Fitness First and Class Pass are eligible for cashback.
*Starter Plan is free for life with no cashback benefit.
Things To Be Aware Of
MINIMUM SALARY
AED 12000
RATE
3.49
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 12000
RATE
3.49
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / AED 104
Joining Offers
Exclusive current offer: No Annual Fee
Key Features
Reward Features
Earn Plus Points on spends
5% rewards on grocery, electronics, utilities, education and fuel
0.5% rewards on other spends including travel, dining, hotels and online
Plus Points earning cap per statement is applicable.
Plus Points loyalty program rewards you for your everyday spends using your Emirates NBD Credit Card. You are automatically enrolled to the program when you activate your credit card.
Things To Be Aware Of
MINIMUM SALARY
AED 8000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
Key Features
Reward Features
Earn 1.5 ThankYou® Points per USD on all grocery & non-AED spend and 1 ThankYou® Point per USD of AED spend
With your ThankYou® Points you have the flexibility to redeem for cash rebates, merchandise, gift vouchers and many other rewarding experiences
-- Choose from merchandise ranging from apparel to electronics to home goods and more
- Pay with Points for your purchases through SMS or Citibank Online
Things To Be Aware Of
Credit cards offer a range of benefits catering to different types of financial and lifestyle needs of an individual. Being a convenient payment method, it is bundled with attractive rewards and perks depending on the card selected by the customer.
Credit cards are primarily used for shopping, travel or to meet an unforeseen need or expense
Getting confused while selecting the right credit card? We know it is a tough decision to make unless one knows to use it wisely. Financial appetite and priorities vary for everyone.
To help you, SoulWallet has listed out the following key points to be considered prior to apply for best Credit Card in UAE:
With the exhaustive list of cards in today’s time offered by banks and various financial institutions, the customers are getting more and more confused. There are multiple shopping cards, travel cards, co- branded cards, fuel cards, and many more. Selecting from the extensive list is a time-consuming process, isn’t it? Understanding the dilemma of the customer, SoulWallet offers a list of credit cards that one can avail for. The credit cards offers have reward points, discount offers, cashback, free movie tickets and much more to interest the shopper.
Here is the exclusive list of cards to select from that will best suit you.
Click here to find our top credit card recommendations for you
The primary eligibility for a credit card is a salaried monthly income of minimum AED 5000 and additional KYC documents for verification purpose. Different banks have different eligibility criteria depending on the type of credit card one is opting for. Criteria for self employed customers vary bank to bank.
One must be a UAE resident and should carry a valid 1) Passport 2) Residence Visa 3) Emirates ID card.
When selecting a credit card in the UAE, consider factors such as annual fees, interest rates, rewards programs, benefits like travel insurance or cashback, and acceptance at your preferred merchants.
You can compare credit cards in the UAE by examining their features, benefits, fees, and rewards programs. Online comparison tools or financial websites can also help you make an informed decision.
Annual fees for credit cards in the UAE vary depending on the card issuer and the type of card. They can range from AED 0 to several thousand dirhams, sometimes waived for the first year or offered as part of a promotion.
Interest rates for credit cards in the UAE can vary widely, ranging from around 30% to 40% per annum, depending on the card issuer and the type of card.
Credit cards in the UAE offer various rewards and benefits, including cashback, airline miles, discounts on dining or shopping, access to airport lounges, travel insurance, and complimentary concierge services.
In addition to annual fees and interest rates, credit cards in the UAE may have other charges such as late payment fees, over-limit fees, foreign transaction fees, and fees for cash advances.
You can apply for a credit card in the UAE by comparing based on rewards and features. We recommend you use Soulwallet’ s comprehensive comparisons. a) Best Cashback Credit Cards b) Best Skywards Credit Cards c) Best Balance Transfer Credit Cards d) Best No Annual Fee Credit Cards e) Best Premium Credit Cards
Comparing credit cards allows you to find the best fit for your financial needs and lifestyle. It helps you identify cards with the most favorable terms, benefits, and rewards.
Factors to consider include annual fees, interest rates, rewards programs, introductory offers, benefits (such as travel insurance or purchase protection), and additional fees (like foreign transaction fees or late payment charges).
Credit cards come in various types, including rewards cards, cashback cards, travel cards, balance transfer cards, and secured cards. Each type offers different benefits and features.
The Annual Percentage Rate (APR) represents the yearly cost of borrowing money through the credit card. It's crucial to compare APRs, especially if you plan to carry a balance, as lower APRs can result in less interest paid over time.
Consider your spending habits and preferences when evaluating rewards programs. Choose a program that offers rewards or points in categories you frequently spend on, such as groceries, dining, travel, or gas.
While annual fees and APRs are commonly known, be mindful of other fees like foreign transaction fees, balance transfer fees, cash advance fees, and penalty fees for late payments or exceeding the credit limit.
It depends on your financial goals and spending habits. Sign-up bonuses offer immediate benefits, while long-term rewards can provide ongoing value. Consider both aspects to make an informed decision.
Assess the potential value of the card's benefits by analyzing your typical spending habits. Compare this value against the card's annual fees and any additional expenses related to card maintenance. Take into account the convenience factors, especially for travel or lifestyle needs. Benefits such as complimentary airport lounge access, golf offers, airport transfers, valet service, dining discounts, etc., can swiftly offset the annual fee within a short timeframe.
Once you've compared credit cards, streamline your choices according to your preferences and apply for the card that suits your financial requirements and lifestyle best. With Soulwallet, you can either submit a brief request or apply directly with the banks.
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
We gather this information to assist you better and track your progress with the credit card application.
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
Please fill in the details to receive a call back with more details about this product
