Best Credit Card In UAE
+971

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Earn upto 100,000 bonus Emirates Skywards Miles
  • Fast-Track update to Emirates Skywards Gold tier Status
  • Complimentary Airport Transfers and Lounge access
  • Skywards Gold Tier Membership for Supplementary Cardholder

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4,000

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 103.95

Joining Offers

Earn upto 100,000 bonus skywards miles!

Welcome Miles Bonus Category: 35,000 skywards miles
Fast Track to Gold tier Membership Option: Upon payment of the Annual Membership Fee of AED 4,000 and joining fee of AED 1,000.
(or)
Without fast track to Gold tier membership Option: Upon payment of the Annual Membership fee of AED 2,000 and the joining fee of AED 1,000.
2) Cumulative retail spend of AED 120,000 within 3 months: 40,000 skywards miles
3) Cumulative Foreign currency spend of AED 50,000 within 6 months : 25,000 skywards miles

Key Features

  • Complimentary Emirates Skywards Silver Tier Membership: Includes bonus tier miles, extra baggage allowance, and priority check-in as long as the card is active.
  • Fast Track to Gold Tier Membership: Spend USD 5,000 (AED 18,365) on Emirates Airline within 12 months to achieve Gold status for 12 months.
  • Gold Membership for Supplementary Cardholder: Available with additional USD 5,000 spend and AED 5,500 annual fee.
  • Complimentary Lounge Access: Unlimited access for the cardholder and a guest at 1,000+ airport lounges.
  • Complimentary Airport Transfers: Up to 4 per year for eligible Emirates flights.
  • Meet & Greet Service: Up to 2 complimentary Marhaba Silver services annually with a minimum AED 5,000 spend.
  • 4 "Buy 1 Get 1" complimentary VOX movie tickets per month with AED 5,000 spend.
  • 20% discount on Roxy Cinemas tickets and F&B.
  • Complimentary Golf: Unlimited rounds at select clubs with AED 10,000 monthly spend.
  • Complimentary Valet Parking: 3 services per month with AED 5,000 spend.
  • 25% Discount on Skywards 'Buy Miles' and 'Gift Miles'.
  • Purchase Protection: Covers theft or damage.
  • Extended Warranty: Doubles the manufacturer's warranty up to 1 year.
  • Multi-Trip Travel Insurance: Includes personal accident coverage, baggage delay, and loss of belongings.
  • Global Assistance: 24/7 support for lost/stolen cards.
  • 0% Easy Payment Plan: Convert Emirates purchases into 3-month installments.
  • Balance Transfer: Transfer balances from other banks with no profit charges.
  • Cash Advance: Accessible worldwide at ATMs and branches.
  • Visa Infinite Privileges: Discounts and luxury offers via Visa Infinite.
  • Global Concierge Services: Assistance for reservations and bookings 24/7.
  • Dubai & Sharjah Ladies Club Access: Complimentary with AED 5,000 monthly spend.
  • Visa Travel Offers: Discounts on hotels, staycations, and car rentals.
  • Complimentary VOX Movie Tickets: Up to 4 BOGO tickets monthly.
  • Exclusive Discounts: Save on tickets, food, and beverages at Roxy Cinemas.

Reward Features

Earn up to 3.5 Miles per USD 1 equivalent retail spends as per below rates

- 3.5 Skywards Miles at Emirates Airlines
- 2 skywards miles on international spend
- 1.5 skywards miles on domestic spend

MINIMUM SALARY

AED 25,000

RATE

3.69%

ANNUAL FEE

AED 2000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Automatic upgrade to Emirates Skywards silver membership
  • Complimentary Valet Parking
  • Unlimited Complimentary golf 7 days a week
  • Best skyward miles earning rates

MINIMUM SALARY

AED 25,000

RATE

3.69%

ANNUAL FEE

AED 2,000

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

1) Welcome Miles Bonus Category: 40,000 skywards miles
Upon payment of the Annual Membership fee of AED 999 and the joining fee of AED 1,000.

2) Cumulative retail spends (within 6 months): 35,000 skywards miles
Spend a minimum of AED 75,000  within 6 months

3) Spend with Emirates Airlines (within 6 months) : 15,000 skywards miles
Spend a minimum of AED 20,000 withing 6 months

Overall an ability to earn upto 90,000 bonus skywards miles!

Key Features

  • Unlimited Lounge Access: Free access for cardholder + 1 guest; USD 1 foreign spend needed for additional visits.
  • Skywards Silver Membership: Free for 12 months; renew with USD 2,500 Emirates spend.
  • 2 Free Meet & Greet Services: Annual benefit with AED 5,000 monthly spend.
  • Multi-Trip Travel Insurance: Covers accidents, baggage delays, and lost belongings.
  • 24/7 Global Assistance: Visa support for lost/stolen cards.
  • Reel Cinemas Offer: 3 "Buy 1 Get 1" tickets monthly with AED 5,000 spend.
  • Roxy Cinemas Discount: 20% off tickets, food, and beverages.
  • Free Valet Parking: 2 services monthly with AED 5,000 spend.
  • Unlimited Golf: Free rounds at select clubs with AED 10,000 spend.
  • Ladies Club Access: Free entry to Dubai & Sharjah clubs with AED 5,000 spend.
  • Balance Transfer: No profit charges for transferring balances.
  • Purchase Protection: Covers up to USD 7,500 per claim.
  • Extended Warranty: Adds 1 year to the manufacturer’s warranty.
  • Global Concierge: 24/7 booking and reservation assistance.
  • Cash Advance: Withdraw globally at 780,000+ ATMs.
  • Visa Infinite Discounts: Luxury offers and travel deals (up to 35% off).

Reward Features

Earn up to 2 Miles per USD 1 equivalent retail spends as per below rates

- 2 Skywards Miles at Emirates Airlines
- 1.5 Skywards Miles on international spend
- 1 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 700

  • Golf offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Earn Skywards Miles on all spends
  • Double Miles on spends at Emirates Airlines
  • Complimentary golf offers

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Key Features

  • Enjoy earning Miles for every USD 1 spend on all local and international transactions
  • Additional Skywards Miles for all spends at Emirates Airlines
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Mazaya Offers Programme
  • Exclusive golf offers
  • Extended warranty & purchase protection on purchases made on the card
  • Balance transfer facility
  • Golf offers across the globe
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

  • Earn 0.6 Miles for every USD 1 spent on local transactions
  • Earn 0.75 Miles for every USD 1 spent on international transactions
  • Earn 1 Mile for every USD 1 spent on all Emirates Airlines transactions

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 12,000

RATE

3.69%

ANNUAL FEE

AED 700

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Automatic enrollment to Emirates Skywards blue membership
  • Unlimited Complimentary airport lounge access with a guest
  • Complimentary Cinema tickets, Golf rounds & Valet Parking
  • Complimentary Valet Parking

MINIMUM SALARY

AED 12,000

RATE

3.69%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

1) Welcome Miles Bonus Category: 30,000 skywards miles
Upon payment of the Annual Membership Fee of AED 700 and joining fee of AED 550.

2) Cummulative retail spends ( within 6 months): 20,000 skywards miles

Spend a minimum of AED 30,000  within 6 months

3) Spend with Emirates Airlines ( within 6 months) : 10,000 skywards miles
Spend a minimum of AED 10,000 withing 6 months

Overall an ability to earn upto 60,000 bonus skywards miles!

Key Features

  • Lounge Access: Free first visit; subsequent visits with USD 1 spend or USD 27 fee.
  • Enjoy unlimiTravel Insurance: Covers accidents and inconveniences on trips up to 90 days.
  • Reel Cinemas: 2 "Buy 1 Get 1" tickets monthly with AED 3,000 spend.
  • Roxy Cinemas: 20% discount on tickets, food, and beverages.
  • Valet Parking: 1 free service monthly with AED 3,000 spend.ted complimentary access to over 1000 airport lounges
  • Golf: 2 complimentary rounds monthly with AED 5,000 spend.
  • Dubai Ladies Club: Free access with AED 3,000 spend.
  • Purchase Protection: Covers theft or damage for purchases.
  • Extended Warranty: Adds 1 year to the manufacturer’s warranty.
  • Luxury Hotel Collection: Perks like upgrades, late check-out, and free breakfast.
  • Visa Travel Offers: Discounts on hotels, car rentals, and staycations.

Reward Features

Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table

  • 1.5 Skywards Miles at Emirates Airlines
  • 1.1 Skywards Miles on international spend
  • 0.75 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates