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.
In the UAE, a common threshold for credit card eligibility is a minimum monthly income of AED 5000. This cutoff is strategically set by banks to ensure that applicants have a stable financial footing, which reduces the risk of default on credit payments. The threshold also reflects the cost of living and economic conditions in the UAE, aiming to match financial products to the earning segments that can manage them responsibly.
The importance of the Debt Burden Ratio (DBR) further plays a critical role in this context. Most UAE banks require that an individual's DBR remain below 50% of their monthly income. This ratio, which measures the amount of income that goes towards paying debts, including loans and credit card payments, is a key indicator of financial health. A DBR capped at 50% helps ensure that individuals are not over-leveraged, reducing the risk of financial distress and defaults, which could impact both the consumer and the banking system negatively.
For customers earning around AED 5000, the options in terms of credit cards are quite varied, ranging from basic cards with minimal benefits to those offering cashback, reward points, and lifestyle benefits. These cards often come with no annual fee or fees waived for the first year, making them accessible and attractive for this income bracket. This approach by banks democratizes access to credit while promoting financial stability and encouraging responsible borrowing habits among residents.
The table provided offers a comprehensive comparison of various credit card options available in the UAE for residents with a minimum income of AED 5000. Let us first create a clearer table using the data you provided, and then delve into a detailed analysis.
| Bank Name | Product Name | Top Reasons | Annual Fee in AED | Type |
| Citibank | Simplicity Credit Card | Easy Installment Plan. Cash Loan. No Cash Advance, Late or Overlimit fee. Free for life | Free | No Loyalty Reward |
| Emirates NBD | Lulu 247 Titanium Credit Card | Free for life card. 3.5% cash back at Lulu stores and online. Zero percent interest on balance transfers with no processing fee. Complimentary lounge access to over ten regional airports | Free | Reward Points |
| Emirates NBD | Manchester United Credit Card | Exclusive offers for Manchester United Football Club Fans. Earn "Red" rewards points on all spends. Up to 40% discount at over one hundred golf courses worldwide. Complimentary lounge access to over ten regional airports | 262.5 | Reward Points |
| Emirates NBD | MasterCard Titanium Credit Card | Complimentary access to over 10 VIP lounges. Enjoy MasterCard Buy 1 Get 1 offers. Earn rewards on all domestic & international spends. Exclusive offers and deals on travel, lifestyle & shopping. Get up to 40% discount at over one hundred golf courses worldwide | 420 | Cashback |
| Emirates NBD | U By Emaar Visa Family Card | Free for life. Discounts & offers at Emaar establishments. Earn Upoints on spends. Buy one get one free on movie tickets at Reel Cinemas | Free | Reward Points |
| FAB | du Titanium Credit Card | No annual fee. Ten percent cashback on du bills. Fab rewards are instantly redeemable for du bills. Access to airport lounges across the Middle East | Free | Cashback |
| FAB | FAB SHARE Standard Credit Card | Get two-for-one cinema tickets at VOX Cinemas. Biometric verification is built into your credit card. Receive up to four free supplementary cards for your family | Free | Reward Points |
| FAB | GEMS Titanium Credit Card | No annual fee. Up to 4.25% fixed discount on advanced payment of GEMS fees. Ten percent Cashback with Shop Smart. Enjoy access to airport lounges across the Middle East. Enjoy exclusive offers at restaurants, premium retail, etc. | Free | Reward Points |
| FAB | Manchester City FC Titanium Card | No Annual fee. Win a trip to Etihad Stadium to watch Manchester City. Win a chance to meet the Manchester City Team in the UK. Access to airport lounges across the Middle East | Free | Cashback |
| Emirates Islamic | Cashback Card | Up to 5% cash back on electronic store purchases & telecom. No minimum spend for earning cashback. Up to 1% cash back on all local and international transactions. AED 200 gift voucher from noon as joining offer | 350 | Cashback and Islamic |
| Emirates Islamic | Flex Credit Card | AED 200 noon voucher (T&C's apply). Up to 2.25 EI SmartMiles per AED 1 spend. Unlimited EI SmartMiles. Use the "Instant Purchase" feature to redeem EI SmartMiles. Free for-life card | Free | Reward Points |
| Emirates Islamic | RTA Credit Card | Up to 10% cash back on RTA transport payments, and fuel spends. Free for life. Additional Cashback on Fuel and RTA payments. Up to 2.25% cashback on international spends. Up to 1.25% cash back on all other spends | Free | Cashback and Islamic |
| CBD | One | Four plans offered under this Visa Signature Card. 50% off on Vox & Reel cinemas. Complimentary Valet, Golf and Airport lounge access. Enjoy a regular monthly cashback of up to AED 500. Pay per month and choose your design | Free | Reward Points |
| CBD | Smiles Visa Platinum | Fifty percent off movie tickets at Novo cinemas. 5 Smiles points on any spends at Etisalat or on Smiles app. Up to 2 Smiles points on international spends. Buy 1 Get 1 Free dining and lifestyle offers. Airport lounge access | 208.95 | Reward Points |
| CBD | Visa Platinum Card | Free for life. Zero percent Balance transfer offer for 12 months. Fifty percent discount on two cinema tickets at Novo cinemas per month. Cinema offer in Nov | Free | Cashback |
| CBD | Yes Rewards | Free for life. Fifty percent off cinema tickets at Vox, Reel & Novo cinemas. 40,000 Yes Rewards welcome bonus. Four complimentary rounds of Golf. Complimentary access to over one thousand airport lounges | 208.94 | Reward Points |
| Dubai Islamic | Al Islami Classic Credit Card | No annual fee. Roadside assistance services. Personal accident & travel insurance cover | Free | Reward Points |
| Dubai Islamic | Al Islami Gold Credit Card | No annual fee. Roadside assistance services. Personal accident & travel insurance cover | Free | Reward Points |
| Dubai Islamic | Al Islami Gold Premium Credit Card | No annual fee. Roadside assistance services. Personal accident & travel insurance cover | Free | Reward Points |
| Dubai Islamic | Consumer Reward Card | No minimum spend limits for cashback. Good cashback rates on specific categories | 157 | Cashback and Islamic |
| Dubai Islamic | Emirates Skywards Platinum Credit Card | 5,000 Bonus Skywards Miles. Earn Skywards Miles on all spends | 525 | Travel |
| Dubai Islamic | Johara Classic Credit Card | No annual fee. Roadside assistance services. Personal accident & travel insurance cover | Free | Reward Points |
| Dubai Islamic | Johara Gold Credit Card | No annual fee. Roadside assistance services. Personal accident & travel insurance cover | Free | Reward Points |
| Dubai Islamic | Johara Gold Premium Credit Card | No annual fee. Roadside assistance services. Personal accident & travel insurance cover | Free | Reward Points |
| Dubai Islamic | Prime Classic Card | No annual fee. Roadside assistance services | Free | Reward Points |
| Dubai Islamic | Prime Gold Card | No annual fee. Roadside assistance services. Personal accident & travel insurance cover | Free | Reward Points |
| Dubai First | Amazing Platinum Card | Twenty-five percent savings on 1-day tickets. Fifteen percent dis. on F&B & a 10% discount on merchandise inside parks. Q-Fast privileges | 400 | Reward Points |
| Dubai First | Cashback Card | Five percent cash back on online purchases, utility bills, and school fees. Five percent cashback at the supermarket. One percent cashback on everything else. Unlimited Airport Lounge access. Twenty percent off on Careem rides | 300 | Cashback |
| Dubai First | Dubai Moments Titanium Card | Earn 18,000 Bonus Dubai Mementos. Earn up to 2 Dubai Mementos for every Dirham spent. Fifty percent off Movie Tickets, anytime, anywhere | 100 | Reward Points |
| ADCB | Lulu Titanium Credit Card | Interest-free balance transfers. Lulu points can be redeemed with the supplementary card. Complimentary airport lounge access. Benefits at Ferrari World & Yas Waterworld | Free | Reward Points |
| ADCB | Talabat ADCB Credit Card | Free for life -no annual fee, ever. AED 500 Welcome Bonus. Unlimited free delivery on Talabat. Thirty-five percent back on Talabat orders is applicable on the first ten orders. 1.25% back on other purchases | Free | Reward Points |
| ADCB | Touchpoints Classic Credit Card | No Annual Fee. Earn MyChoice Touchpoint bonus rewards. Benefits at Ferrari World & Yas Waterworld | Free | Reward Points |
| ADCB | Touchpoints Gold Credit Card | Complimentary airport lounge access. Zero percent interest for up to 12 months for school & college fees. Benefits at Ferrari World & Yas Waterworld | Free | Reward Points |
| ADCB | Touchpoints Titanium Credit Card | No Annual Fee. Zero percent interest for up to 12 months for school & college fees. Benefits at Ferrari World & Yas Waterworld. Complimentary airport lounge access | Free | Reward Points |
| Mashreq | Cashback Card | Five percent Cashback on dining spends in the UAE. No annual fees for your Primary and Supplementary cards. AED 500 Cashback as a joining bonus. Twenty percent Cashback at your favorite ecom merchants | Free | Cashback |
| Finance House | Cartnet | Up to 50% Cashback. Instant AED 400 on successful referral. 55+ dining and lifestyle discounts. Fifty percent Cashback on movie tickets. Free Supplementary Cards | Free | Cashback |
| Finance House | Gold Covered Card | Free for life | Free | Islamic |
| Finance House | Platinum Credit Card | 55+ dining and lifestyle discounts . Fifty percent Cashback on movie tickets. Free Supplementary Cards | Free | Cashback |
| Finance House | World Covered Card | Free for life | Free | Islamic |
| RAKBANK | Air Arabia Platinum Credit Card | Joining offer of 15,000 Air Rewards points. Complimentary airport pick up & drop off up to six times/year. Annual Fee waiver second year onwards(if spend criteria met). Roadside assistance and Concierge services | 400 | Reward Points |
| RAKBANK | Kalyan Jewelers Credit Card | Earn "Goldback" on all spends. Additional saves on spends at Kalyan Jewelers. No annual fee ever | Free | Reward Points |
| RAKBANK | Mastercard Credit Card | Free for life card . Up to 9 Supplementary Cards free. Purchase protection & travel insurance | Free | Cashback |
| RAKBANK | nmc Credit Card | Exclusive discount at nmc hospitals. Free for life card. Earn cashback on all spends | Free | Cashback |
| RAKBANK | RED Credit Card | Earn up to 1.5% discounts on all spends. No annual fee ever | Free | Cashback |
| Simplylife | Cashback Credit Card | Free for Life. Earn 1% cashback on ALL spends. Two free movie tickets anywhere in UAE | Free | Cashback |
| Simplylife | Family Credit Card | Free for life. Two free movie tickets anywhere in UAE | Free | No Loyalty Reward |
| Simplylife | Family Credit Card Premium | Up to six free cinema tickets each month | 524 | No Loyalty Reward |
| Union National Bank | ADCOOP Extra and Spar Card | No annual fee. High cashback rates at ADCOOP & Spar Abu Dhabi. Exclusive discounts at ADCOOP & Spar outlets | Free | Cashback |
| Union National Bank | Cashback Card | High cashback rate on all spends | 262 | Cashback |
| Union National Bank | Classic Card | Fifty percent value back on cinema spends. Earn UNBmiles on all spends | Free | Reward Points |
| Union National Bank | Egypt Air Gold Credit Card | No annual fee. Earn Egypt Air reward points on all spends | Free | Reward Points |
| Union National Bank | Gold Card | Fifty percent value back on cinema spends. Earn UNBmiles on all spends | 262 | Reward Points |
| Union National Bank | International Travel Card | No annual fee. Attractive forex rates. Fifty percent value back on cinema spends | Free | Reward Points |
| Union National Bank | Titanium Card | Earn UNBmiles rewards on all spends. Cinema offers at any cinema, anytime. No annual fee | Free | Reward Points |
| ADIB | Rotana Rewards Exclusive Visa Card | Exclusive discounts at Rotana properties. Earn Rotana reward points on all spends. Good travel & lifestyle benefits | 1250 | Reward Points |
Analysis
The UAE credit card market offers a diverse range of options tailored to various lifestyles and spending habits. Most of the cards in the list provide a "free for life" annual fee, which is a significant advantage for consumers looking to save on yearly costs associated with credit cards.
Reward Schemes and Cashback
Cards like the Emirates NBD Lulu 247 Titanium Credit Card and the FAB du Titanium Credit Card offer specific cashback benefits on purchases at selected retailers and services, making them excellent choices for loyal customers of those brands. Meanwhile, the Emirates Islamic Cashback Card provides broad cashback categories including electronics and telecom, appealing to tech-savvy consumers.
Exclusive Benefits and Lifestyle Perks
Many cards offer exclusive access to events, locations, or discounts, such as the Manchester United Credit Card from Emirates NBD, which is tailored for fans with discounts and experiences related to the football club. Additionally, premium cards like the CBD Yes Rewards and Emirates NBD MasterCard Titanium offer luxurious benefits such as golf course access and valet services.
Travel Benefits
Travel-related benefits are common among these credit cards. Options like the ADCB Touchpoints Titanium Credit Card and FAB Manchester City FC Titanium Card offer complimentary airport lounge access, making them ideal for frequent travelers. Additionally, travel insurance and roadside assistance are valuable inclusions found in several offerings, particularly from Dubai Islamic Bank.
In conclusion, the variety of credit cards available in the UAE at this income level offers something for everyone, from cashback and reward points to luxury travel benefits and exclusive experiences. When choosing a card, it is crucial to consider personal spending habits, lifestyle needs, and whether the benefits outweigh any costs associated with the card, such as the annual fee after the initial waived period.
The primary requirement is a minimum monthly income of AED 5000. Additional criteria may include a good credit score, UAE residency, and age between 21 and 65 years.
Many major banks such as Emirates NBD, FAB, ADCB, Emirates Islamic, CBD and Dubai Islamic Bank offer credit cards to individuals earning AED 5000 per month.
Yes, several banks offer credit cards with no annual fees or fees waived for the first year, including options from Citibank, Emirates NBD, and FAB.
Rewards vary by card but can include cashback, points redeemable for goods and services, discounts on dining and shopping, and access to airport lounges.
The Debt Burden Ratio (DBR) should not exceed 50% of your monthly income. This ratio ensures you are not overly indebted and can manage additional credit.
Yes, while some banks may require a salary transfer, many credit cards are available without this requirement.
Interest rates can vary but typically range from 2.99% to 3.5% per month. Rates can be higher or lower depending on the card’s features and benefits.
Yes, many credit cards offer cashback on specific categories such as groceries, fuel, dining,and utility payments.
Cards like the Emirates NBD Lulu 247 Titanium Credit Card and the FAB du Titanium Credit Card are great for groceries and utility bills due to specific cashback offers.
Yes, you can apply for multiple cards; however, keep an eye on your overall DBR to ensure it remains within the acceptable range.
It's important to manage spending and repayments carefully to avoid accruing debt and damaging your credit score.
After establishing a history of timely payments and proving financial stability, you can request a limit increase from your bank.
Pay attention to fees, penalty charges, interest rates, and the terms for rewards and benefits to ensure the card suits your financial situation.
While most cards are available to both expatriates and nationals, expatriates should ensure they meet residency and other specific requirements.
Approval times vary by bank but typically range from a few days to a week, depending on the bank’s processing time and your documentation.
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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%
