Best Credit Card In UAE
+971

MINIMUM SALARY

AED 20,000

RATE

3.49%

ANNUAL FEE

AED 1500

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Fast-Track update to Etihad Guest Gold Tier Status
  • Up to 3.5 Etihad Guest Miles per USD spent
  • Up to 2- 60% Etihad Guest Miles Discount Vouchers
  • Complimentary airport transfers and airport lounge access
  • Complimentary Golf and Valet parking

MINIMUM SALARY

AED 20,000

RATE

3.49%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / or AED 103

Joining Offers

Welcome Bonus

Select your preferred option from the below table and earn up to 55,000 Etihad Guest Miles as welcome bonus up on payment of Annual Membership Fee.

Options Welcome Bonus Annual Membership Fee (AMF)
25,000 Etihad Guest miles AED 1,500/-
55,000 Etihad Guest miles AED 2,500/-

Key Features

  • Welcome Bonus: Earn up to 55,000 Etihad Guest Miles as a welcome bonus with an annual fee.
  • Gold Tier Status: Fast-track to Etihad Guest Gold Tier for 12 months by spending AED 4,500 on Etihad Airways.
  • Discount Vouchers: Unlock two 60% Etihad Guest Miles redemption discount vouchers by meeting spending targets.
  • Airport Transfers: Get up to 4 complimentary airport transfers per year with eligible Etihad transactions.
  • Lounge Access: Enjoy unlimited complimentary access to 1,000+ airport lounges with a guest.
  • Golf Benefits: Unlimited complimentary golf rounds with a monthly spend of AED 10,000.
  • Meet & Greet: Receive 2 free Marhaba or Salam meet-and-greet services with AED 5,000 monthly spend.
  • Travel Insurance: Automatic travel accident and inconvenience insurance for trips up to 90 days.
  • Visa Infinite Offers: Access exclusive luxury discounts and offers through Visa Infinite.
  • Extended Warranty: Get an additional year of warranty on purchases.
  • Global Assistance: 24/7 multilingual support for card-related emergencies worldwide.
  • Cinema Cashback: Enjoy 50% cashback on movie tickets with a monthly spend of AED 5,000.
  • Roxy Cinemas Discount: Save 20% on tickets, food, and beverages at Roxy Cinemas.
  • Valet Parking: Avail 2 complimentary valet parking services per month with eligible spend.
  • Global Concierge: Access 24/7 concierge services for reservations and assistance worldwide.

Reward Features

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

3.5 Etihad Guest miles on spend at Etihad Airlines
3 Etihad Guest miles on International spend
2.5 Etihad Guest miles on two chosen Categories
Upto 2 Etihad Guest miles on domestic spend

Emirates Islamic Etihad Guest Premium card gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same. 

Every spend domestically or internationally brings you closer to exciting rewards. Earn 1 Etihad Guest Tier Mile for every 1 USD equivalent spent using your card. A maximum cap of 50,000 Etihad Guest Tier Miles can be earned in a membership year. Start accumulating Etihad Guest Tier Miles today and elevate your travel experience with the Emirates Islamic Etihad Guest Credit Card!

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 899

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Fast-Track Etihad Guest Silver Tier Status
  • Up to 3 Etihad Guest Miles per USD spent.
  • Unlock 25% Etihad Guest Miles Discount Voucher
  • Complimentary Airport Transfers and Airport Lounge access
  • Complimentary Golf and Valet parking

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 899

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / or AED 103

Joining Offers

Welcome Bonus: Earn 30,000 Etihad Guest Miles upon paying an annual membership fee of AED 899.

Key Features

  • Fast-Track to Silver Tier: Spend AED 2,000 on Etihad Airways within 12 months to get Etihad Guest Silver Tier Status for one year.
  • Tier Miles: Earn 1 Etihad Guest Tier Mile per USD spent (capped at 25,000 per membership year).
  • 25% Miles redemption discount for AED 100,000 annual spend.
  • 10% discount for AED 50,000 to AED 100,000 annual spend.
  • Complimentary WiFi Vouchers: 2 vouchers annually for Etihad spends of AED 500 or more.
  • Complimentary Airport Transfers: 2 transfers annually for Etihad-related spends (terms apply).
  • Unlimited access after a minimum foreign currency spend of USD 1 (first visit free).
  • Guest fee: USD 27 per visit.
  • Meet & Greet Service: 2 Marhaba or Salam services annually for AED 3,000 monthly retail spend.
  • Multi-Trip Travel Insurance: Coverage for trips up to 90 days.
  • Golf: 2 complimentary rounds per month (AED 5,000 monthly spend required).
  • Cinema Cashback: 50% cashback on tickets (AED 3,000 monthly spend; max AED 75/month).
  • Roxy Cinemas: 20% discount on tickets, food, and beverages (valid until April 30, 2025).
  • Valet Parking: 1 complimentary service per month (AED 3,000 monthly spend).
  • Dubai Ladies Club Access: Free access with AED 3,000 monthly retail spend.
  • Balance Transfer: Transfer balances from other banks with no profit charged.
  • Cash Advance: Instant cash withdrawal from ATMs worldwide.
  • Purchase Protection: Coverage against theft or damage.
  • Extended Warranty: Doubles original manufacturer’s warranty by up to 1 year.
  • Concierge Service: 24/7 assistance for reservations and bookings.
  • Global Assistance: Multilingual support for lost/stolen cards.
  • Visa Travel Offers: Discounts on hotels, car rentals, and luxury experiences.
  • Maximize your rewards and benefits with the Emirates Islamic Etihad Guest Saqer Credit Card!

Reward Features

3 Etihad Guest miles at Etihad Airline spend
2 Etihad Guest miles at international spend
1.5 Etihad Guest miles for European Economic Area (EEA) including the United Kingdom
Upto 1.5  Etihad Guest miles at domestic spend

Emirates Islamic Etihad Guest Saqer card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same.

Maximum cap: 25,000 Tier Miles per membership year.

Things To Be Aware Of

  • This card joining offer is only for UAE Nationals

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 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