MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
You can benefit from the offers above after a minimum spend of AED 1,250 on your du Titanium Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.49%
ANNUAL FEE
AED 735
MINIMUM SALARY
AED 15,000
RATE
3.49%
ANNUAL FEE
AED 735
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
The Emirates Islamic Flex Elite Credit Card is precisely that. Receive a welcome bonus equivalent to AED 750 with 75,000 EI SmartMiles upon payment of your first year annual fee. Your key to unforgettable adventures awaits!.
Begin with a generous welcome bonus of AED 750 and embark on a journey of earning rewards for all your spends. Travel worry-free with multi-trip insurance and unwind with unlimited complimentary Airport Lounge accesses for you & a guest. Discover how this card can transform your everyday into something extraordinary.
Key Features
Reward Features
Earn EI SmartMiles
Earn Upto 3.75 EI Smart Miles per AED on international transactions.
Earn Upto 2.5 EI Smart Miles per AED on local transactions.
You can redeem your EI SmartMiles
10,000 EI SmartMiles = 1,750 AirRewards by Air Arabia
10,000 EI SmartMiles = 1,500 Etihad Guest Miles
10,000 EI SmartMiles =2,500 Marriott Bonvoy Points
10,000 EI SmartMiles = 1,750 Qatar Airways Privilege Club Avios Points
10,000 EI SmartMiles = 1,000 Skywards Miles
7,500 EI SmartMiles = 5,000 Smiles
6,500 EI SmartMiles = 1,000 Upoints By Emaar
Miles will be transferred within 5 working days
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
Get AED 500 cashback when you apply for this card by 30 June 2025 and spend AED 6,000 within the first 60 days. Available on primary cards only. You can't have a primary credit card when you apply or in the 6 months before 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.
on HSBC site
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Receive 10,000 bonus TouchPoints when you spend AED 10,000 each month
Key Features
Reward Features
Earn Touchpoints
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / AED 103.95
Joining Offers
Introductory Offer:
Key Features
Reward Features
Earn dnata rewards
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.50%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn RAKrewards
Monthly Spend Tier & RAKrewards earned per 1 AED:
Monthly Spend Tier & RAKrewards per 1 AED on Fuel:
Monthly Spend Tier & RAKrewards per 1 AED on Cinema:
Above AED 5,000 - 50
Redeem online, anytime against flights, hotels and range of products and services.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback on all spends
If your Cashback on Supermarket, Dining and Cinemas exceed the monthly maximum Cashback cap for these categories, then the excess spend amount in these categories will earn you Cashback at standard Cashback rates.
Monthly Spend Tier & Cashback on all other spends:
Standard Cashback*
In addition to the above you will earn up to 2% Cashback on your Domestic & International Retail Purchase Transactions, Internet Transactions and International Cash Advances
Max cashback payable across all categories = 1,500 p.m
*Effective April 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Health & Beauty, Club Membership, Computer Services, Automobiles & Vehicles and Insurance Services will earn 0.25% cashback for every AED 1 spent.
*Effective May 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.25% cashback for every AED 1 spent.
The minimum threshold to redeem cashback for the Titanium card is AED 500.
Transactions made through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs, ATM’s, Branches or any other RAKBANK payment channels will not be eligible for any cashback/rewards.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
New credit card customers enjoy 0% interest on Cash on Call 6- and 12-month plans within 30 days of card issuance. Apply instantly through the CBD Mobile app.
Offer valid until 31 March 2024. One time processing fee of 1.99% and 4% respectively, applies.
Key Features
Reward Features
Earn Reward Points
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
AED 200 cashback joining offer ( requires a spend of AED 5000)
1. The offer is valid for only New to Bank or New to Product credit card applications from the period starting from 1st May to 31st July 2023 (“the Offer Period”).
2. Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.
3. The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.
4. Credit card applications sourced via sales representatives will not be eligible for the Offer.
5. The Bank will credit cashback to the client’s credit card statement.
6. Successful applications will receive the cashback on 31 December 2022.
7. Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid..
Key Features
Reward Features
Earn 360° Reward Points on all spends on your Standard Chartered Manhattan Platinum Credit Card
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 300
MINIMUM SALARY
AED 5,000
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 8,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.5%
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
on Citibank site
MINIMUM SALARY
AED 10,000
RATE
2.99%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 10,000
RATE
2.99%
ANNUAL FEE
AED 750
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.15% / Min 105
Key Features
Reward Features
Earn UAB Cashback:
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
arn excellent Cashback rates on Standard Chartered Platinum X Credit Card:
Supermakets spends, utility spends and education:
Upto 10% on online, foreign currency and mobile wallets.
Cashback points are valid for 12 months.
Value of a point is 1 AED
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.90%
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
on Citibank site
MINIMUM SALARY
AED 25,000
RATE
2.45%
ANNUAL FEE
AED 1499
MINIMUM SALARY
AED 25,000
RATE
2.45%
ANNUAL FEE
AED 1,499
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.00 % / Min AED99
Joining Offers
Get Joining bonus Skywards Miles of 20,000 on payment of annual fee of AED 1,499. The bonus Skywards Miles will be credited within a week of the next statement cycle. The card is also available with First year free offer without the joining bonus miles, offer is valid till 31st Jan 2023.
Key Features
Reward Features
Earn Emirates Skywards Miles on all spends
The RAKBANK Emirates Skywards World Elite Mastercard Credit Card lets you earn Skywards Miles on all types of spends. What’s more, these Skywards Miles are awarded based on total monthly spends in Dirhams to keep it simple for you.
Skywards Miles award will be reduced to 50% if spend in special categories (such as Charities, Government Services, Bill Payments, Schools, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Supermarkets, Health & Beauty, Club Membership, Motion Pictures & Theatres, Computer Services, Automobiles & Vehicles) exceeds 50% of total spends for the month.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
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 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Key Features
Reward Features
Earn Emaar Upoints
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Apply for a Platinum credit card and get it free along with a voucher worth AED 300 to spend on Noon.com.
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.00%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.00%
ANNUAL FEE
AED 0
Non AED Transaction Fee
0.00%
Cash Advance Fee
3.00 % / AED 200
Key Features
Reward Features
Reward yourself when you spend on your Islamic Finance House Mastercard Gold Covered Card:
3D Secure
Be assured that you are protected from any cyber theft or fraud when using your covered card online.
With encrypted One Time Passwords sent to your registered mobile phone for your online transactions, no one but you, yourself can authorize the debit of your card.
Credit Shield (Takaful) Insurance
Credit Shield (Takaful) insurance covers your card outstanding balance in the unfortunate event of Death and Total Permanent disability.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Key Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Key Features
Reward Features
Earn Cashback
Receive 1.5% cash back on all purchases. Monthly purchases of at least AED 1,000 required
Maximum monthly cash back is AED 1,000
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 0
Non AED Transaction Fee
-
Cash Advance Fee
3.00 % / AED 200
Key Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback
All spends under the category of Bill Payments (Telecommunication & utility), Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.85%
ANNUAL FEE
AED 999
MINIMUM SALARY
AED 12,000
RATE
3.85%
ANNUAL FEE
AED 999
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / AED 105
Joining Offers
Promotion validity: 1 January 2024 to 31 March 2024. (Offer is valid for cards issued between the above dates)
Key Features
Reward Features
Earn Smiles points on every AED spent:
Redeem Smiles points:
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / AED 210
Joining Offers
Joining bonus offer of AED 500 on Cashback card, AED 500 on Platinum Elite card and AED 2,000 on Solitaire card Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.
Cashback that will be credited subject to customer spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, customer has to be spend AED 4,500 by 31st August to get the Joining Bonus.
Key Features
Reward Features
Unlimited Cashback on all spend
The cashback will be calculated on your statement date. For example: For customers with a statement date (billing cycle) on the 23rd - Spends posted between 23rd and 22nd of every month will be considered.
The cashback can be redeemed on achievement of a minimum of AED 100/- as cashback balance.
To redeem your cashback: - Visit Mashreq Online Banking on mashreq.com for online redemption, or - Call the Direct Banking Center at 04-4244444 and place a request for the same. The cashback will be credited within a maximum of 3 working days into the Cashback Credit Card account.
the cashback earned has a maximum validity of 18 months from the date of earning. If the cashback is not redeemed within this period, it will be expired.
20% cashback for the first 6 months at Zomato, Netflix, Careem, Noon, UberEats, iTunes, Uber, Du, Talabat, Amazon Prime & Etisalat
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min AED 99
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
on Citibank site
MINIMUM SALARY
AED 10,000
RATE
3.69
ANNUAL FEE
AED 630
MINIMUM SALARY
AED 10,000
RATE
3.69
ANNUAL FEE
AED 630
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Get AED 500 cashback when you apply for this card by 30 June 2025 and spend AED 6,000 within the first 60 days. Available on primary cards only. You can't have a primary credit card when you apply or in the 6 months before applying.
Key Features
Reward Features
on HSBC site
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn excellent Cashback rates on Standard Chartered Platinum X Credit Card:
Supermakets spends, utility spends and education:
Upto 10% on online, foreign currency and mobile wallets.
Cashback points are valid for 12 months.
Value of a point is 1 AED
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
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 5,000
RATE
3.69%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Enjoy a Welcome Bonus of AED 500 as talabat credit when you sign up for the card.
Important note:
Key Features
Reward Features
Earn talabat credit every time you spend using the card as per below:
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Annual Fees for primary credit cardholders will be waived if retail spends of the preceding 12 months exceeds AED 9,000 or equivalent.
Key Features
Reward Features
2% cashback on international spends (in non-AED currency) • 2% cashback on Airline* spends • 1% cashback** on all domestic spends (in AED currency).
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED AED 0
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / or AED 105
Key Features
Reward Features
The Total Monthly Spend Tiers for ENOC/EPPCO Service Station Spends and Other Spends are categorized as follows:
- For spends between AED 0 to AED 2,499, customers receive 3% back (equivalent to 3 Yes Rewards) per 1AED spend, with a maximum cap per month of AED 75 (7,500 Yes Rewards). Additionally, they can earn up to 1% back (up to 1 Yes Reward Point) on other spends within this tier.
- For spends between AED 2,500 to AED 9,999, customers receive 10% back (equivalent to 10 Yes Rewards) per 1AED spend, with a maximum cap per month of AED 125 (12,500 Yes Rewards).
- For spends exceeding AED 10,000, customers receive 15% back (equivalent to 15 Yes Rewards) per 1A
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
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 10,000
RATE
3.25
ANNUAL FEE
AED 700
MINIMUM SALARY
AED 10,000
RATE
3.25
ANNUAL FEE
AED 700
Non AED Transaction Fee
1.99
Cash Advance Fee
3.00 % / AED 99
Key Features
Reward Features
Choose the reward points you want to earn (Cashback, Skywards Miles) and the things you want to earn bonus rewards for (groceries, food deliveries, online shopping, travel or something else?).
The Liv. Cashback and Cashback plus credit cards are tailored for individuals with dynamic, on-the-go lifestyles, offering the ability to earn Skywards Miles with every purchase. Cardholders can choose four spending categories—such as international spending, travel, online shopping, dining, and more—where they will earn "booster" Skywards Miles in addition to base Miles.
The Miles accumulation structure is tiered based on monthly spending:
This structure allows cardholders to maximize their Skywards Miles by focusing their spending in categories that matter most to them, particularly when they exceed certain spending thresholds.
on Liv Bank site
MINIMUM SALARY
AED 5,000
RATE
3.49
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99
Cash Advance Fee
3 % AED 99
Key Features
Reward Features
Choose the reward points you want to earn (Cashback, Skywards Miles) and the things you want to earn bonus rewards for (groceries, food deliveries, online shopping, travel or something else?).
The Liv. Cashback credit card is tailored for individuals with dynamic, on-the-go lifestyles, offering the ability to earn Skywards Miles with every purchase. Cardholders can choose four spending categories—such as international spending, travel, online shopping, dining, and more—where they will earn "booster" Skywards Miles in addition to base Miles.
The Miles accumulation structure is tiered based on monthly spending:
This structure allows cardholders to maximize their Skywards Miles by focusing their spending in categories that matter most to them, particularly when they exceed certain spending thresholds.
on Liv Bank site
MINIMUM SALARY
AED 40,000
RATE
2.79
ANNUAL FEE
AED 1,500
MINIMUM SALARY
AED 40,000
RATE
2.79
ANNUAL FEE
AED 1
Non AED Transaction Fee
3.15%
Cash Advance Fee
3.15 % / or AED 105
Key Features
Reward Features
Indulge in exclusive experiences with unlimited cashback when you use your UAB World Mastercard Credit Card. Maximise your cashback by shopping across categories and brands at all local and international retail chains.
Credit cards with a zero transaction fee in the UAE is a cost effective option for people who love to travel regularly and shop online.
While most of the cards charge a 3% additional fee on international transactions , such cards offered in the UAE save transaction fee on cards making credit cards more user friendly and a cost effective option for people who love to travel and do their shopping internationally on the go.
This feature is very essential and a cost saving option for travel savvy as they can save their foreign transaction fee which is mostly high and one hesitates to use his/her credit card while they are on their travel.
In an evolving interconnected world, international travel and cross-border shopping have become a regular part of life for many UAE residents. Whether you are a frequent traveller, an expatriate, or someone who enjoys shopping from global online stores, one thing you need to watch out for is foreign transaction fees. Foreign transaction fees, which generally reduce within the range of 1% to 3% of the overall transaction amount, can incrementally raise your overall expenses when you make purchases in foreign currencies or from merchants located outside your home country. By choosing these types of cards, you can save money and also enjoy easy, stress-free transactions when shopping or traveling abroad. This makes them a great choice for people who often spend money in other countries or buy from international stores.This article will help one understand everything one needs to know about 0% percent foreign transaction fee credit cards in UAE, their benefits, and how to choose the right one for your needs.
Foreign transaction fees are additional charges that credit card companies add when you use your card to make purchases in a currency other than your own or from a store located outside your home country. For example, if you are in the UAE and use your card to buy something in US dollars or from an online store based in Europe, your card issuer might charge you extra for processing that transaction. These fees usually consist of two main parts: a fee for converting the foreign currency into your local currency (like AED) and a separate fee for handling the international transaction. Together, these costs can make your purchases more expensive than you might expect.
This is charged when you are converting the transaction amount from the foreign currency to AED (or your card’s billing currency).
This is levied for processing payments outside the UAE.
Together, these fees can add up to 3% or more of the transaction amount. For example, if you spend AED 10,000 abroad, you could end up paying an extra AED 300 in fees. Over time, these charges can become a significant financial burden, especially for frequent travellers or for people who love shopping mostly online.
A zero foreign transaction fee credit card in UAE is exclusively designed for individuals who frequently make international purchases.
Here are some advantages you can avail by using a zero foreign transaction fee credit card.
1. Cost Savings : By charging 0 % foreign transaction fees, these cards help you save money on every international purchase.
2. Convenience : You can use the credit card at your convenience at any country in the world without worrying about additional charges on your credit card.
3. Competitive Exchange Rates : Many credit cards with a 0% foreign transaction fees offer diligent currency conversion rates, ensuring one gets the best value for thier money.
4. Travel Perks and Benefits : These cards often come with travel friendly benefits such as airport lounge access, travel insurance, and one can earn reward points on international purchases while on the go.
5. Global Acceptance : Most no foreign transaction fee credit cards in the UAE are part of global payment networks like Visa, Mastercard, or American Express, ensuring wide acceptance worldwide.
When choosing a no foreign transaction fee credit card in UAE it is very important to understand and compare the features and benefits that match with the choice of lifestyle and financial goals. These cards are designed to make international spending seamless and cost effective, but not all cards are created equal. To ensure you select the best credit card with no foreign transaction fees, consider the following key features
While many no foreign transaction fee credit cards UAE come with no annual fees, some premium cards may charge an additional fee. However, these cards often offer additional benefits that can eliminate additional costs. For example, premium credit cards in UAE include travel insurance, airport lounge access, or higher reward points. Before choosing the right credit card, make sure to check whether the annual fee is justified by the card’s features and your spending habits.
One of the best things about a credit card with no international transaction fees is that it provides you with a rewards program. Look for cards that give you benefits when you spend internationally, such as
Cashback : Get a percentage of your spending back as cash rewards.
Travel Points : Collect points that you can make use of for your travel, hotel stays, or while booking flights.
Airline Miles : Earn miles with every purchase, which can be utilised to book flights with partner airlines when you are travelling next time.
For frequent travellers or online shoppers, a wide range of rewards programs can consistently enhance the value of your credit card.
If you are a frequent traveller, travel benefits are a crucial feature to consider. A variety of credit cards or credit cards with zero or no foreign transaction fee credit cards UAE offer multiple benefits:
Free Travel Insurance : Coverage for trip cancellation, lost luggage, and medical emergencies.
Airport Lounge Access : Free or discounted access to airport lounges throughout the world.
Concierge Services : Assistance with booking flights, hotels, or restaurant reservations.
Hotel Discounts : Special rates or upgrades at partner hotels.
Such benefits can ensure a smooth travel experience and make your travel experience more comfortable and budget friendly.
Even though credit cards with no or zero foreign transaction fees eliminate additional charges, the currency conversion rate applied to your transactions can still affect your savings.Check for credit cards that give a good exchange rate, as this ensures you get the best value for your money when spending in international currencies. Avoid dynamic currency conversion, where merchants offer to charge you in your home currency, as this often comes with poor exchange rates.
Look for the cards that offer :
All time customer service : Access to assistance at any time, regardless of your location.
Multilingual Support : Help in multiple languages, especially if you travel to non-English-speaking countries.
Emergency Services : Lost card replacement, emergency cash advances, or assistance in case of fraud.
The below features ensure you are never left stranded during your travels.
Most zero percent foreign transaction fee credit cards in UAE are a part of the global payment networks like Visa, Mastercard, and even the American Express. Such networks ensure your card is widely accepted worldwide, whether you’re dining at a restaurant in Paris, shopping in New York, or while booking a hotel in Europe.
By making the right choice of a credit card with zero foreign transaction fee credit card UAE requires consideration of its features and benefits. By focusing on factors such as annual fees, rewards programs, travel benefits, currency conversion rates, right customer support, and additional security features, you can choose a card that matches your needs which in return enhances your international spending experience.
Whether you are a frequent traveller, an expatriate, or an online shopper, a credit card with no or zero foreign transaction fee can save you money and provide additional perks. Take your time to compare your and analyse between various options and select a card that matches with your lifestyle and financial goals. With the right choice of card, you can enjoy seamless global transactions and make the most of your spending.
Here are some of the best credit cards with no foreign transaction fees available in the UAE :
Zero foreign transaction fees.
Earn Skywards Miles on each and every purchase.
Get free travel insurance and also get access to airport lounges.
No foreign transaction fees.
Earn 3x rewards points on travel and dining.
Complimentary travel insurance and concierge services.
No additional fee for international transactions.
Earn air miles every time you use the card for purchases.
Comes with free travel insurance and special discounts on your hotel bookings.
No extra fees or additional fee for international transactions.
Earn miles every time you spend, with extra miles for purchases made abroad.
Get easy access to special travel deals and discounts.
No additional fee charged for spending in foreign currencies.
Enjoy limited free cashback on international purchases.
Enjoy free access to airport lounges all around the world and free travel insurance.
Applying for a zero interest international transaction fee credit card in UAE is an easy process. Follow the below steps to select the right suitable card.
1. Research : Compare different cards and choose the right card based on your travel needs and spending habits accordingly.
2. Check Eligibility : Ensure you meet the issuer’s eligibility criteria, such as minimum income and CIBIL score requirements.
3. Apply Online : Visit the bank’s official website or a financial platform to fill out the application form.
4.Submit Documents : Make sure to give all the necessary paperwork, like your ID proof, proof of income, and proof of address.
5. Wait for Approval : Once approved, you will receive your card within 7-10 business days.
To make the most of your credit card with no or zero foreign transaction fees.
1. Alert Your Bank : Inform your card issuer ( the bank) about your future travel plans to avoid any mishaps in your card usage.
2. Carry a Secondary Credit Card : Always have a secondary credit card in case of emergencies.
3. Use Local Currency : If given an option, always make sure to pay in the local currency of the country in which you are present . This helps you to avoid an additional or an extra fee that might be charged while converting your currency.
Monitor Transactions : Keep a check on your credit card statements regularly to monitor any unauthorized or unexpected charges on your credit card.
Make use of your Rewards : Make the most of your rewards points by utilising necessary purchases. This way, you can earn more cashback, points, or miles.
A card with literally no foreign transaction fees in the UAE is a great option for people who travel often or love shopping from international stores. These cards help you save money and they also come with additional benefits that can make your experience even better. By picking the right card that fits your lifestyle, you can enjoy easy and stress-free international spending while getting the most value out of your purchases.
Whenever you are planning your next vacation or shopping from your favourite international retailer, choosing a credit card with zero percent foreign transaction fees can be your ultimate financial companion. So, one can explore their options, apply for the right card based on their spending habits and travel plans,and one can embark on your global adventures with confidence.
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FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
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FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
