Best Credit Card In UAE
+971

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 1049

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Exclusive Concierge Desk and privileges
  • 15% rewards for spends at dnata
  • 10% rewards for Duty Free Shopping
  • Complimentary airport lounge access
  • Complimentary access to top golf courses across the UAE

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 1,049

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

  • Up to AED 2,500 Travel Vouchers
  • AED 1,000 travel voucher on payment of joining fee
  • AED 1,500 travel voucher on retail spends of AED 25,000 in the first 3 billing statements

Key Features

  • Introductory offer - Up to AED 2,500 Travel Vouchers
  • Earn dnata Points for every spend
  • 15% Rewards for Spends at dnata
  • Earn accelerated rewards at partner stores
  • Unlimited complimentary access to over 850 premium lounges globally
  • Dedicated concierge service
  • Up to 4 free airport transfers per calendar year
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 12 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Two complimentary rounds at Track Meydan, Trump, Ranches, Sharjah Shooting club and Yas links
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Enjoy exclusive benefits with Avis car rental services
  • The Bicester Village Shopping Collection Benefits
  • Hertz Gold Plus Rewards® Five Star Membership
  • Starwood Hotels & Resorts Complimentary Hotel Nights
  • Luxury Serviced Apartment Discounts
  • Mastercard Priceless Cities offers
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Complimentary Fast Track Travel Visa Service
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • MasterCard Buy 1 get 1 offers
  • MYUS Premium Shipping Discounts
  • Travel Inconvenience & Cancellation Insurance
  • Comprehensive Travel Insurance Travel Medical cover up to $500,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features


Earn dnata rewards

  • Earn dnata Points for every spend on your dnata World Mastercard, with accelerated rewards at partner stores across travel, dining, leisure and entertainment
  • Earn 15% dnata Points Costa, City Sightseeing, Giraffe, Imagine Cruising
  • Earn 15% dnata Points on dnata Travel
  • Earn 10% dnata Points at Emirates Holidays, MMI
  • Earn 10% dnata Points at Al Hamra Cellar, Arabian Adventures, Emirates Holidays, Le Clos
  • Earn 10% dnata Points on Duty Free Shopping
  • Earn 10% dnata Points on Duty Free Shopping
  • Earn 2% dnata Points on all retail spends

Things To Be Aware Of

  • Specific spend categories earn lower rewards
  • Max spend cap for spends on participating partners

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Welcome offer of up to 200,000 Etihad Guest Miles
  • Premium lifestyle benefits - valet parking, cinema offers
  • Premium travel offers - airport lounge, airport transfers
  • Complimentary airport lounge access to over 1000 lounges
  • Concierge services for your time-consuming errands

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min103.95

Joining Offers

Welcome offer of AED 400 Noon voucher.

Key Features

  • Earn up to 200,000 Etihad Guest Miles
  • Complimentary Airport Lounge Access
  • Complimentary Valet Parking offers
  • Complimentary Golf offers
  • Concierge Desk
  • Complimentary Airport transfers in Dubai and Abu Dhabi
  • New Credit Shield Pro benefits
  • Airport Dining Discount Program
  • Avis Car Rental benefits
  • Medical & Travel Assistance
  • Global Customer Assistance Services
  • Conceirge Digital Services
  • The Entertainer
  • Bicester Village Shopping Collection

Reward Features

  • Earn 10 Miles per AED 10 spend on Etihad Airways, hotel and dining
  • Earn 6 Miles on all other spends
  • Earn 40,000 Miles upon payment of joining fee
  • Earn 60,000 Miles upon spending AED 90,000 in first 6 months or earn 160,000 Miles upon spending AED 120,000 in first 6 months
  • Get 50% more miles when you sign up for the Express Miles program for a nominal fee of AED 250 per month
  • Earn 2.5 Etihad Tier Miles for every AED 10 spend on all spends
  • Get 50% Etihad Guest Miles redemption discount voucher upon spending every AED 150,000

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Contactless Tech
  • Welcome offer of up to 60,000 Etihad Guest Miles
  • High Etihad Miles earning rate on hotels, dining & Etihad
  • Complimentary cinema tickets, golf access, valet parking
  • Complimentary airport lounge access

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers


Apply for the Etihad Guest Visa Inspire Credit Card and receive exclusive offers

  • Welcome offer: Up to 60,000 Etihad Guest Miles
    • Earn 20,000 Miles upon payment of joining fee
    • Earn 40,000 Miles upon spending minimum AED 10,000 monthly for 6 months from card issuance date
  • Limited time offer - 10% cashback on spends with Etihad Airways

Key Features

  • Welcome offer of up to 60,000 Etihad guest Miles
  • Earn Etihad Guest Miles on all spends, additional miles earn rate for spends at Etihad Airways, hotels and dining
  • Complimentary Etihad Guest Silver Tier membership
  • Complimentary airport lounge access at 1000+ lounges in 300+ cities for primary and supplementary card holder
  • Complimentary buy 1 get 1 Vox cinema offers
  • Complimentary golf rounds twice a month at over 5 golf courses in the UAE without any minimum spend requirement
  • Complimentary valet parking offers 4 times a month at key locations in Abu Dhabi & Al Ain
  • Travel benefits including airport dining discounts, Avis car rental offers, medical and travel insurance
  • Global concierge services
  • Buy 1 Get 1 Free with The Entertainer
  • Bicester Village Shopping Collection benefits
  • Auto Salik top-up

Reward Features

Earn Etihad Guest Miles

  • Earn Etihad Guest Miles on spends
    • 7 Miles per AED 10 spend on Etihad Airways, hotels and dining
    • 4 Miles on all other spends1
  • Earn 2.5 Etihad Tier Miles for every AED 10 spend on all spends3

Etihad Guest Miles earned on retail spends made on merchants located in European Union or under categories, grocery and supermarkets, quick service restaurant (i.e. fast food restaurant), insurance, car dealership, petroleum, transit, government services, utility payments, real estate, education & telecommunication payment will be capped at 750 Miles per statement cycle.

Things To Be Aware Of

  • Etihad Guest miles on specific categories are capped
  • Vox cinema tickets offer has minimum spend requirements

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • Golf offers
  • Dining Offers
  • Airport Lounge Access
  • Contactless Tech
  • Welcome bonus of 200,000 Marriott Bonvoy miles
  • Excellent travel benefits
  • Complimentary unlimited access to 1000 lounges worldwide
  • Complimentary golf access twice a month
  • Upto AEd 400 Noon voucher as welcome gift

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Be a Marriott Bonvoy® member and earn up to 200,000 bonus points, free night stays at more than 8,100 hotels worldwide, room upgrades, free flights, VIP access to world-class experiences and much more.

  • Get a joining bonus of 100,000 bonus points automatically credited to your Marriott Bonvoy® account upon activation of your card and payment of the applicable joining fees.
  • Earn an additional 100,000 bonus points on cumulative retail purchases of US$10,000 in the first three billing statements.
  • Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!

Key Features

  • Welcome offer - Earn up to 200,000 bonus points0,000 bonus points
  • Marriott Bonvoy points - Earn up to 6 points for every USD 1 spent at Marriott Bonvoy partners
  • Be automatically upgraded to Marriott Bonvoy Gold Elite status and get exclusive benefit
  • Complimentary lounge access worldwide with Mastercard Travel Pass
  • Complimentary golf privileges twice a month across 5 courses in UAE
  • Enhanced Credit Shield Pro insurance cover
  • Complimentary concierge desk benefit
  • Avis Car Rental offers
  • Bicester Village shopping offers
  • Complimentary Hertz Gold Plus Rewards Five Star Membership
  • Lingokids discount
  • Discounts on Luxury Serviced Apartments
  • MyUS premium shipping benefits
  • Discount on Uber rides
  • Travel insurance confirmation letter
  • Farfeth discounts

Reward Features

Marriot Bonvoy Points

  • Earn Marriot Bonvoy Points on spends
    • 6 points per US$1 spent at hotels participating in Marriott Bonvoy
    • 3 points per US$1 on international and all other spends
  • A chance to earn up to 50% more points every month on retail purchases if you enroll in the Express Points Programme* for a monthly fee of AED 300
  • Transfer points to over 40 airlines for flight bookings

Things To Be Aware Of

  • Some benefits like golf have minimum spend requirements

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Best-in-class Skywards Miles earning - earn and redeem
  • Earn up to 100,000 Skywards Miles
  • Complimentary Emirates Skywards Silver membership upgrade
  • Access to Business Class Lounge with your Silver membership

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

  • Earn up to 100,000 Skywards Miles with your Skywards Infinite Credit Card.
  • Complimentary Emirates Skywards Silver membership upgrade

Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!

Key Features

  • Earn up to 2 Miles per USD 1 of retail spends
  • Complimentary Emirates Skywards Silver membership
  • Complimentary night with Marriott Vacation Club
  • Complimentary Rotana Rewards Exclusive Club Membership (First year only)
  • Unlimited complimentary access to over 1000 airport lounges worldwide via LoungeKey
  • 24-hour personalised premium concierge service
  • Up to 4 airport transfers per calendar year
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 12 times per calendar year
  • 50% off movie tickets every Sunday at VOX Cinemas
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and Muscat.
  • Salik auto top-up feature
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Bon Appetit - Exclusive dining discounts
  • Exclusive offers on Emirates.ae
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)

Reward Features


Earn Skyward Miles

  • Earn Skywards Miles
  • Spend with Emirates NBD Skywards Infinite Credit Card to earn Skywards Miles on your everyday spends. You can earn up to 2 Skywards Miles per USD equivalent spend.
  • Earn 2 Miles on Emirates and flydubai spends
  • Earn 2 Miles on duty free, online food delivery and car booking apps spends.
  • Earn 1.5 Miles on International spends
  • Earn 1 Mile on Domestic spends

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Welcome offer: Up to 40,000 bonus Skywards Miles
  • Best-in-class Skywards Miles earning - earn and redeem miles
  • Complimentary, unlimited worldwide lounge access
  • Complimentary access to top golfing courses across the UAE
  • Valet Parking at selected locations in Abu Dhabi

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Earn up to 40,000 Skywards Miles with your Skywards Signature Credit Card:

  • 15,000 Skywards Miles on payment of the joining fee( AED 735
  • 15,000 Skywards Miles on spending minimum USD 10,000 within the first three billing statements.
  • 10,000 Skywards Miles on spending minimum USD 3,750 on emirates.com or at any Emirates sales office in the UAE within the first twelve billing statements.

Key Features

  • Earn up to 1.5 Miles per USD 1 of retail spends
  • Unlimited complimentary access to over 1000 airport lounges in 300 cities
  • Dedicated concierge service
  • Up to 2 airport transfers per calendar year
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and muscat.
  • Enjoy 4 complimentary valet parking services per month of 1 hour each at select popular shopping malls by simply presenting your Emirates NBD Credit Card(s) at the valet service.
  • Pick up & delivery of car for servicing & registration once a year
  • Complimentary golf access twice a month at select courses
  • Exclusive discounts at Lifeline Health Club Abu Dhabi
  • Salik auto top-up feature
  • 24-hour personalised premium concierge service
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • 8% discount on hotel bookings made at Hotels.com
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Exclusive offers on Emirates.ae
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel Insurance cover

Reward Features

Earn Skyward Miles
Per 1 USD of spend:

  • Earn 1.5 Miles on Emirates and flydubai spends
  • Earn 1.5 Miles on duty free, online food delivery and car booking apps spends
  • Earn 1 Mile on International spends
  • Earn 0.75 Miles on Domestic spends

Things To Be Aware Of

  • Golf access requires min spend of AED 5,000 per month

MINIMUM SALARY

AED 25,000

RATE

3.09%

ANNUAL FEE

AED 1500

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Roadside Assistance
  • Extensive premium lifestyle & travel benefits
  • Exclusive benefits at Starwood Hotels & Resorts
  • Earn Starpoints on all spends
  • Comprehensive travel insurance cover

MINIMUM SALARY

AED 25,000

RATE

3.09%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Introductory offer - Up to AED 2,500 Travel Vouchers


Key Features

  • Introductory offer - up to 50,000 bonus Starpoints
  • Automatically get complimentary Elite Credit of 5 nights / 2 stays
  • Earn Starpoints on all retail spends
  • Earn additional Starpoints for spends at Marriott Reward Hotels & participating SPG hotels and resorts
  • Redeem Starpoints for a host of rewards, including Free Night Awards, SPG Flights and SPG Moments
  • Complimentary SPG Gold member status
  • Complimentary access to 850+ premium airport lounges worldwide
  • Complimentary concierge service
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 12 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Complimentary golf access twice a month at select courses
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Free 24/7 Roadside Assistance
  • Up to 50% discount at over 500 spas, medical & wellness centres, gyms, salons and more
  • Up to 50% discounts across theme parks, indoor sports, marine attractions etc.
  • Enjoy exclusive benefits with Avis car rental services
  • The Bicester Village Shopping Collection Benefits
  • Hertz Gold Plus Rewards® Five Star Membership
  • Starwood Hotels & Resorts Complimentary Hotel Nights
  • Luxury Serviced Apartment Discounts
  • 10% discount on any international roundtrip airfare
  • Complimentary Fast Track Travel Visa Service
  • Discounted chauffeur rides with Careem
  • Fairmont, Raffles, and Swissotel Spa Offer
  • MasterCard Buy 1 get 1 offers
  • Reebonz online shopping privileges
  • MYUS Premium Shipping Discounts
  • Travel Inconvenience & Cancellation Insurance
  • Comprehensive Travel Insurance Travel Medical cover up to $500,000
  • Card Fraud Protection cover up to $4,000 per year

Reward Features

Earn Starpoints Rewards:

  • Domestic retail Spends - 1 Starpoint per US $1
  • Spends at participating Marriott Rewards Hotels - 2 Starpoints per US $1
  • Spends at participating SPG Hotels - 5 Starpoints per US $1
  • Insurance, Car dealership related, Grocery/Supermarket - 0.25%
  • Real Estate, Education, Fuel, Govt Services, Utilities, Telecom -  0.1%

Redeem Starpoints for a host of rewards, including Free Night Awards, SPG Flights and SPG Moments.

Earn up to 50% more Starpoints every month (max 4,000) for all your retail purchases by enrolling in Express Points Programme (monthly fee of AED 300).

Things To Be Aware Of

  • $10,000 spend in 1st 3 mnths to earn 25,000 bonus Starpoints
  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Excellent discounts & offers at Emaar establishments
  • "Platinum" U By Emaar status
  • Premium travel and lifestyle benefits
  • Buy 1 get 1 free on movie tickets at Reel Cinemas
  • Complimentary airport lounge access to over 1000 lounges

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Welcome offer: Up to 25,000 UPoints. Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!  

Key Features

  • Complimentary Platinum U By Emaar Membership
  • 30% off on dining across Emaar Hospitality Group
  • 3 tickets on Buy1 Get1 at Reel and 20% off at Roxy cinemas.
  • 20% off spas at Emaar Hospitality venues
  • Two Complimentary Golf rounds at 5 courses in the UAE. Discounts at 14 courses in UAE and Muscat
  • 30% off entertainment
  • SALIK Auto Top up
  • Utility Bill Paments
  • Discount on Air Tickets and Holiday Packages
  • SkyShopper
  • Complimentary Valet Parking & Concierge Service at Dubai Mall
  • Fashion Lounge Access with a guest at The Dubai Mall
  • Hotel Discounts through Emaar hotels website
  • Airport Lounge Access to over 1000+ lounges globally for the cardholoder plus a guest
  • Travel Insurance cover up to USD 1,000,000
  • Extended warranty protecting against cost of repair and replacement
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Purchase protection against theft or accidental damage
  • Visa 24-hour concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Visa Luxury Hotel Collection offers
  • Fraudulent card misuse protection

Reward Features

  • Earn Upoints for every spend and redeem them instantly  at over 1500+ stores across your favourite brands.
  • 7.5% on all Emaar spends
  • 1.5% on all other spends
  • Earn 25% of the Base Upoints when you spend in Grocery and Supermarkets
  • Earn 10% of the Base Upoints when you spend in Petroleum and Government Services
  • Earn 10% of the Base Upoints when you spend in Telecommunication Payment

Things To Be Aware Of

  • Specific spend categories earn lower rewards