Best Credit Card In UAE
+971

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 2625

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Joining Bonus of 12,000 Etihad Guest Miles
  • Monthly Bonus of 1000 Etihad Guest Miles
  • 30% off at over 1,400 restaurants in the UAE
  • Benefits at Ferrari World & Yas Water World

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 2,625

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

  • Welcome bonus of 60,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Qualifying Cardholder shall also be eligible for ‘Anniversary Bonus Miles’ in the subsequent year upon the ADCB Etihad Guest Card anniversary".

Key Features

  • Get 12,000 Etihad Guest Miles on paying the 1st year annual fee
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month
  • Earn 1 Etihad Guest Miles for every USD 1 on domestic purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways
  • Exclusive Etihad Guest Gold Tier membership
  • Earn 1 Etihad Guest Tier Mile for every USD 1 of eligible purchase
  • Complimentary upgrade voucher from Etihad Airways
  • Free round the year golf access at the Track Meydan, Arabian Ranches and Yas Links. Discounts at 14 courses in UAE and Muscat
  • 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
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Complimentary Airport Chauffeur service (4 per year)
  • 24-hour personalised premium concierge service
  • Enjoy unlimited complimentary airport lounge access globally for primary, supplementary and 1 guest
  • Exclusive benefits at Ferrari World and Yas Waterworld
  • Purchase protection for up to 90 days Extended warranty on eligible purchases
  • Multi-trip Travel Insurance
  • Optional credit shield
  • Visa luxury hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Up to 12% off Agoda bookings
  • Airport lounge access
  • Dining and lifestyle discounts
  • Balance Transfer
  • Personal Payment Plan
  • Credit Card loan

Reward Features

  • Earn 1 Etihad Guest Miles for every 1 USD on domestic purchase.
  • Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD
  • School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking,   Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways.
  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month.
  • Etihad Guest Miles multiplier. Etihad Guest Miles multiplier is given based on minimum monthly spend and once a month. Qualifying Cardholder need to spend the required minimum threshold to enjoy the Etihad Guest Miles multiplier.
  • Etihad Guest Miles multiplier is given to the Primary Cardholders only.
  • Accumulate & redeem Etihad Guest Miles for airline tickets, upgrades & much more.

Things To Be Aware Of

  • Bonus Miles will be credited only after AMF payment (60days)
  • 1000 USD min spend monthly to get 1000 Etihad Guest Miles
  • Etihad Guest Tier Miles earned are valid for 12 months

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Up to 30% discount when you book with Cleartrip
  • Discounts on flights and holiday packages
  • Unlimited complimentary lounge access to over 25 airports

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Dedicated concierge service
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 6 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Exclusive NBD Golf discounts program. 40% discount at over 100 golfcourses worldwide
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Up to 30% discount on travel booking made via Cleartrip
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Enjoy exclusive benefits with Avis car rental services
  • MasterCard Buy 1 get 1 offers
  • Mastercard Priceless Cities offers
  • 0% Easy Instalment Plan
  • MYUS Premium Shipping Discounts
  • Purchase protection of up to USD 5,000 per year

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.
  • Earn up to 1.5 Plus Points for every AED 100 spend.
  • Earn 0.4% Plus Points in supermarkets and groceries spends.
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends.
  • Earn 0.2% Plus Points in Fuel and Utility Payments.
  • Earn 0.2% Plus Points in Real Estate and Education spends.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 0

  • 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
  • Earn rewards on all domestic & international spends
  • Comprehensive lifestyle offers
  • Discounts on flights and holiday packages
  • Flexible payment options
  • Life time free card along with a AED 300 Noon.com Voucher

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

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Complimentary 2-for-1 Deals with Entertainer
  • Up to 2 airport transfers per calendar year
  • Access to over 200 airport restaurant offers globally
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 6 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • 10 complimentary tickets through Vox Buy1 Get1 and 20% off at Roxy Cinemas
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Salik auto top-up feature
  • 0% Easy Instalment Plan
  • Utility Bill Payments
  • Bon Appetit - Exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.
  • Earn Plus Points rewards on all domestic and international spends-Earn up to 1.5 Plus Points for every AED 100 spend
  • Earn 0.4% Plus Points in supermarkets and groceries spends
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends
  • Earn 0.2% Plus Points in Fuel and Utility Payments
  • Earn 0.2% Plus Points in Real Estate and Education spends.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 30,000

RATE

1.99%

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
  • Earn rewards on all domestic & international spends
  • Complimentary airport lounge access to over 1000 lounges
  • Golf club privileges
  • Exclusive Concierge Desk Privileges
  • Valet Parking at selected locations in Abu Dhabi

MINIMUM SALARY

AED 30,000

RATE

1.99%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

3.25%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

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 Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Unlimited complimentary access to over 650+ VIP lounges worldwide for primary, supplementary and 1 guest each
  • Dedicated 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
  • 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
  • Bon Appetit - Exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • 20% off at Roxy cinema on weekdays. Not valid on public holidays and applicable untill Sept 2020. There is no minimum spend requirement on this card for this offer.
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel Insurance cover
  • 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
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.
  • Earn up to 2 Plus Points for every AED 100 spend
  • Earn 0.4% Plus Points in supermarkets and groceries spends
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends
  • Earn 0.2% Plus Points in Fuel and Utility Payments
  • Earn 0.2% Plus Points in Real Estate and Education spend

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 263

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Excellent discounts & offers at Emaar establishments
  • Premium travel and lifestyle benefits
  • Buy 1 get 1 free on movie tickets at Reel Cinemas
  • Receive U By Emaar Gold Status
  • Complimentary airport lounge access to over 1000 lounges

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 263

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • Get 6.25% back on all your shopping & dining spends at Emaar Malls.
  • Enjoy 6.25% back when you stay at Emaar Hotels.
  • Enjoy 6.25% back when you dine at Emaar Restaurants.
  • Enjoy up to 30% off on Entertainment at Emaar Entertainment Group.
  • Buy 1 get 1 free on movie tickets at Reel Cinemas
  • 0%Easy Instalment Plan.
  • SALIK Auto Top up.
  • Utility Bill Paments.
  • Discount on Air Tickets and Holiday Packages.
  • SkyShopper.
  • Free 24/7 Roadside assistance.
  • Earn Upoints for every spend.
  • Contactless Payments.
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Complimentary 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 500,000
  • Extended warranty protecting against cost of repair and replacement
  • 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
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Fraudulent card misuse protection

Reward Features

Earn Emaar Upoints

  • Earn 6.25 % on all spends at Emaar.
  • Earn 1.25% all spends outside Emaar.
  • Redeem UPoints instantly at over 2500+ stores across your favorite brands

Things To Be Aware Of

  • 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

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Life Insurance
  • Contactless Tech
  • Free for life
  • Discounts & offers at Emaar establishments
  • Earn Upoints on spends
  • Buy 1 get 1 free on movie tickets at Reel Cinemas

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

  • Silver U by Emaar Status
  • Buy 1 get 1 free on movie tickets at Reel Cinemas
  • 20% off on dining across Emaar Hospitality Group
  • 20% off spas at Emaar Hospitality venues
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 3 Complimentary tickets at Vox Standard under Buy1 get 1 offer
  • 30% off entertainment
  • Buy One Get One free on movie experiences
  • Hotel discounts via Agoda.com

Reward Features

Earn Emaar Upoints

  • Earn 50 Upoints per AED 100 on all spends at Emaar
  • Earn 10 Upoints per AED 100 on all spends outside Emaar

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 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 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 5,000

RATE

3.25%

ANNUAL FEE

AED 420

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • 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 100 golf courses worldwide

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 420

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Exclusive NBD Golf discounts program. 40% discount at over 100 golfcourses worldwide
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Discounted chauffeur rides with Careem
  • Enjoy exclusive benefits with Avis car rental services
  • MasterCard Buy 1 get 1 offers
  • MarkaVIP online shopping discounts
  • Card fraud protection
  • 0% Easy Installment Plan
  • Sky Shopper

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points rewards on all domestic and international spends - 1 Plus Point for every AED 100 retail spend.
  • Earn 0.4% Plus Points in supermarkets and groceries spends.
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends.
  • Earn 0.2% Plus Points in Fuel and Utility Payments.
  • Earn 0.2% Plus Points in Real Estate and Education spends.
  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

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

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

3.5%

ANNUAL FEE

AED 2500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • 75% Etihad Guest Miles Discount Voucher
  • Fast Track Enrolment to Etihad Guest Gold Membership
  • Complimentary Inflight Wifi Vouchers
  • Optional Etihad Guest Miles Accelerator
  • 55,000 welcome Etihad Guest Miles

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 2,500

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Get a warm welcome with 55,000 Etihad Guest Miles bonus.


Key Features

  • Receive 55,000 Etihad Guest Miles as welcome bonus
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Double Etihad Guest Tier Miles
  • Complimentary Inflight Wifi Vouchers
  • Earn bonus Etihad Guest Miles of 55000 on a spend of AED 100000 in the first six months
  • 75% Miles Discount Voucher every year on reaching an annual spend of AED 200,000
  • Optional Miles Accelerator program
  • Fast track enrolment to Etihad Guest Gold membership
  • 6 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Exclusive 24/7 Concierge Service
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • 8% discount on hotel bookings made at Hotels.com
  • Shop Smart
  • Extended warranty
  • International medical and travel assistance
  • Home content insurance
  • 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

Reward Features

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

  • Domestic transactions (AED): 3.5 Miles earned per AED 10
  • International transactions (non-AED): 6.0 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 7.0 Miles earned per AED 10

EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPEND

All purchase (domestic or international): 2.5 Miles earned per AED 10

MILES ACCELERATOR PROGRAM

Earn 7.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

Things To Be Aware Of

  • Supplementary cards have annual fee of AED 250

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 263

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Exclusive offers for Manchester United Football Club Fans
  • Earn "Red" rewards points on all spends
  • Up to 40% discount at over 100 golf courses worldwide
  • Complimentary lounge access to over 10 regional airports

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 263

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Activate your Card and you will recieve a Manchester United Home Jersey and Complimentary Manchester United 'RED Box'.

Key Features

  • Receive your memorable welcome gift as a die-hard Manchester United fan.
  • Complimentary Gift - The Manchester United 'RED Box'
  • Earn RED Points for domestic and international spends
  • Earn 2X on all international spend
  • Earn 5X RED Points on all Dining spends
  • Earn 10X RED Points on Sports Good Stores
  • Guaranteed lifetime gift on annual spend of AED 250,000 in a calendar year.
  • Exclusive offers for highest spenders every month, quarter and year
  • Exclusive "Red Deals"
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Enjoy exclusive benefits with Avis car rental services
  • Avail upto 40% discount at over 100 golf courses worldwide
  • Up to 30% at over 2,000 restaurants across the UAE , Middle East and Europe
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • MasterCard experiences and offers
  • Free 24/7 roadside assistance
  • Lifestyle Protector Insurance

Reward Features

Earn RED Points Rewards

  • 10 Red Points for every 1 AED at sports goods stores
  • 5 Red Points for every 1 AED at dining outlets
  • 2 Red Points for every 1 AED spent internationally
  • 1 Red Point for every 1 AED spent on all other retail purchases

Maximum Red Points for sports good stores and dining outlets in one billing cycle is 50,000 Red points. Red Points can be redeemed for gift vouchers, cash back.

Things To Be Aware Of

  • Max spend cap for spends on sports good stores and dining

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Class leading cashback of 7% at Lulu stores & online
  • Complimentary access to top golf courses across the UAE
  • Exclusive benefits & offers at Lulu stores & online
  • Complimentary airport lounge access via LoungeKey
  • Buy 1 get 1 free on movie tickets with Vox Cinemas

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Welcome offer of 500 LuLu Points and 0% interest on balance transfers with no processing fees


Key Features

  • Welcome Bonus Up to 500 LuLu Points
  • Earn up to 7% back as Lulu points on spends at Lulu stores and online
  • Concierge Service
  • 0% Balance Transfer with zero processing fee
  • Member benefits- Exclusive privileges and offers at LuLu
  • Complimentary tickets at Vox Standard under Buy1 get 1 offer
  • Up to 4 complimentary valet parking services in Abu Dhabi locations
  • Complimentary golf rounds twice a month at 5 golf courses in the UAE.
  • Up to 2 complimentary airport drop services each year
  • Free airport lounge access at over 25 lounges across the Middle East and international locations
  • Buy 1 Get 1 offers with the Entertainer app
  • Discount on Air Tickets and Holiday Packages
  • SkyShopper
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Up to 30% discounts on round trip international airfare or hotels from Cleartrip.com
  • Up to 15% on Avis car rentals worldwide
  • 0%Easy Instalment Plan
  • SALIK Auto Top up
  • Utility Bill Paments

Reward Features

Earn LuLu Points
  • Earn 7% on LuLu in-store and online spends
  • Earn 4% on fuel spends
  • Earn 2% on utility bill payment
  • Earn 0.7% on all other spends
  • Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED

Things To Be Aware Of

  • Min spend of AED 4,000 req for cinema offers

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 208.95

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • RTA Nol Card related benefits
  • Movie tickets at Vox Cinemas for AED 47.25 for 2 tickets
  • Enjoy free rides on Dubai Ferry

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 209

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • Use your Go4it Card like the RTA Nol Card as well as a credit card
  • Access to Gold class and fare payment of Gold Class from Nol Tag ID
  • Auto top up facility for Nol top up
  • Earn Plus Points rewards on all spends
  • 6 discounted tickets at Vox along with 10 complimentary under buy1 get 1 at Vox standard. 20% off at Roxy cinema during weekdays.
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Earn additional Plus Points on weekends and on RTA spends
  • Redeem Plus Points for gift vouchers, top up for your Nol Tag ID, frequent flyer miles, annual membership fee waivers, or even cash back
  • Exclusive offer on movie tickets
  • Salik Auto Top Up
  • Utility Bill Payments
  • Bon Appétit - An exclusive dining experience
  • Free rides on Dubai Ferry
  • Discounts on air tickets and holiday packages
  • Complimentary Life Insurance (AED 100,000)
  • Lifestyle Protector Insurance
  • International Medical & Travel Assistance
  • Purchase Protection for lost, stolen or damaged goods purchased
  • Extended Warranty
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn Plus Points rewards:

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cashback.
  • Earn  5 Plus Points for every AED 200 spend on weekends.
  • Earn  4 Plus Points for every AED 200 spend on RTA.
  • Earn  1 Plus Points for every AED 200 spend on weekdays.

Things To Be Aware Of

  • Some benefits require min average 3monthly spend of AED3,000
  • Annual fee of AED 208.95 with VAT

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 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 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 10,000

RATE

3.25%

ANNUAL FEE

AED 400

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Global airport lounge access and travel insurance

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 400

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15% /Min 103.95

Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Unlimited complimentary access to VIP lounges worldwide for primary cardholder
  • Free golf at Yas Links Abu Dhabi once in a month
  • Bon Appetit - exclusive dining discounts
  • Global privileges - exclusive savings on travel, dining, entertainment and more, all over the world
  • Travel insurance cover of up to USD 100,000
  • Free 24/7 roadside assistance up to 2 times per year

Reward Features

Earn Plus Points rewards on all domestic and international spends:

  • 1 Plus Point for every AED 100 retail spend
  • Earn 5% points on Duty Free spends and 2.5% on dining spends
  • Insurance, Car dealership related, Grocery/Supermarket will earn 0.4% Points
  • Real Estate, Education, Fuel, Govt Services, Utilities, Telecom will earn 0.2% Points
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back

Things To Be Aware Of

  • Airport lounge access requires 3 month avg spend of AED 2,500
  • Specific spend categories earn lower rewards
  • Golf requires monthly spend of AED 3000

MINIMUM SALARY

AED 10,000

RATE

3.69%

ANNUAL FEE

AED 314

  • Golf offers
  • Valet Parking
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Up to 8% cashback on your spends
  • Unlimited complimentary access to over 1000+ airport lounges
  • Switch between Lifestyle or Travel category any month
  • Two rounds of complimentary golf per month

MINIMUM SALARY

AED 10,000

RATE

3.69%

ANNUAL FEE

AED 314

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / AED 131.25

Joining Offers

The Switch Cashback Card comes without an Annual Membership fee for the first year with the fee being applicable in the subsequent years. To qualify for the annual fee waiver for the subsequent years, a minimum spend of AED 30,000.00 is required per year on the Switch Cashback Credit Card (T&Cs apply).


Key Features

  • Enjoy up to 2 "Buy 1 Get 1" complimentary movie tickets each month, any day of the week. A minimum monthly (calendar month) retail spend of AED 3,000 is required on your card to avail the benefit.
  • You and your supplementary cardholders can enjoy unlimited access to over 1000 airport lounges worldwide.
  • Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Abu Dhabi Golf Club on weekends or weekdays, subject to availability. A minimum monthly (calendar month) retail
  • spend of AED 5,000 is required on your card to avail the benefit.
  • Enjoy 20% discount on the below Emaar Entertainment Attractions.
  • Automatically double the original manufacturer's warranty up to one year from the expiry date of the original warranty.
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year. A minimum monthly (calendar month) retail spend of AED 3,000 is required on your card to avail the benefit.
  • Purchase protection provides you with additional peace of mind every time you make a purchase.
  • Enjoy unsurpassed value at over 900 intriguing and prestigious properties around the world with your Emirates Islamic Switch Cashback Credit Card.
  • Travel with complete freedom and peace of mind. Your Switch Cashback Credit Card saves you the time and expense of organizing travel and medical insurance separately when you travel.
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE. All you have to do is present your Emirates Islamic Switch Cashback Credit Card at the valet parking desk. A minimum monthly (calendar month) retail spend of AED
  • 3,000 is required on your card to avail the benefit.
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.

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

  • A minimum spend of AED 2,500 required for earning cashback

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • AED 500 noon voucher (T&C's apply)
  • Up to 1.5 Skywards Miles per USD equivalent spent
  • Complimentary Airport Lounge access
  • Complimentary Cinema tickets, Golf rounds & Valet Parking
  • Complimentary Marhaba Meet & Greet services

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Get a voucher worth up to AED 500 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 500 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

  • Up to 2 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Enjoy unlimited complimentary access to over 1000 airport lounges
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE.
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy two rounds of complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Signature Credit Card
  • With your Emirates Islamic Signature Credit Card, you can avail Cash on Call facility of up to 80% of your available credit limit.
  • Get access to all exclusive Visa Infinite benefits*T&Cs apply

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

For more details about Skywards Miles earning rates please click here.

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 10,000

RATE

3.33%

ANNUAL FEE

AED 1500

  • Balance_Transfer
  • Airport_Lounge_Access
  • Golf_offers
  • Valet_Parking
  • Travel_Insurance
  • Purchase_Protection
  • Airport_Chauffeur_Services
  • 25,000 Bonus Skywards Miles
  • Complimentary Emirates Home check-in services
  • Complimentary airport transfers, golf access, valet parking

MINIMUM SALARY

AED 10,000

RATE

3.33%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

3.45

Cash Advance Fee

3

Joining Offers

Welcome Offer:

Bonus Emirates Skywards Miles
25,000 welcome bonus Skywards Miles - Get welcome bonus of 25,000 Skywards Miles on first spend

Key Features

  • 25,000 bonus Skywards Miles
  • Two complimentary Emirates Airlines Home check-in services within Dubai
  • Unlimited Airport lounge access globally for primary cardholder
  • 2 complimentary airport transfers per year anywhere in UAE (city limits)
  • 2 complimetary valet parking offers per month
  • Complimentary golf for cardholder
  • Exciting travel and lifestyle benefits
  • Travel insurance cover upto $500,000 covering the cardholder & family

Reward Features

Earn Emirates Skywards Miles

for every AED 3.68 equivalent spend:

  • Emirates and flydubai spends: 2.5 Miles
  • Foreign currency spends: 1.5 Miles*
  • Local currency spends: 1 Mile*
  • Specific category spends: 0.25 Miles*

*Specific merchants in the following categories will receive 0.25 Skywards Miles per AED 3.68 (or equivalent) for AED and non – AED transactions: Supermarkets, Government Services (e.g. Fines, Taxes), Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport (e.g. Taxis, Metro, Buses), Road Tolls/Salik, Charities/Religious Organisation.


Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 1500

MINIMUM SALARY

AED 8,000

RATE

3.50%

ANNUAL FEE

AED 500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • 10,000 welcome Etihad Bonus Guest Miles
  • 25% Etihad Guest Miles discount voucher
  • Miles Accelator and Double Miles on recurring trans.
  • Airport Transfers Facility
  • Free Cinema Tickets

MINIMUM SALARY

AED 8,000

RATE

3.50%

ANNUAL FEE

AED 500

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Primary Card- Earn 10,000 Etihad Guest welcome bonus Miles.

Supplementary Card- Earn 5000 Etihad Guest welcome bonus Miles.

Double Etihad Guest Miles when you use your card to buy Etihad Airways or Etihad Partner Airlines flight tickets.

Key Features

  • Receive 10,000 Etihad Guest Miles as welcome bonus for primary Card
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Miles Accelator Program
  • Earn bonus Etihad Guest Miles of 20000 on a spend of AED 40000 in the first six months
  • 25% Etihad Guest Miles discount voucher
  • Optional Miles Accelerator program
  • 2 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • 40% discount at over 100 golfcourses worldwide
  • Visa VOX Cinemas offer - 50% off on Sundays
  • Global purchase protection
  • Extended warranty
  • International medical and travel assistance
  • Home content insurance

Reward Features

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

  • Domestic transactions (AED): 2.0 Miles earned per AED 10
  • International transactions (non-AED): 3.5 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 4.0 Miles earned per AED 10

MILES ACCELERATOR PROGRAM

Earn 5.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

Things To Be Aware Of

  • Some benefits require min spend
  • Supplementary cards have annual fee of AED 250

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2100

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • AED 500 noon voucher (T&C's apply)
  • Up to 2 Skywards Miles per USD equivalent spent
  • Fast-Track update to Emirates Skywards Silver Tier Status

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2,100

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5000 by November 30, 2023 is required to get the AED 500 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

  • Enjoy unlimited complimentary access to over 1000 airport lounges
  • Up to 3 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Enjoy 2 complimentary valet parking services per month at select locations across the UAE.
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy unlimited complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Infinite Credit Card
  • With your Emirates Islamic Infinite Credit Card, you can avail Cash on Call facility of up to 80% of your available credit limit.
  • Get access to all exclusive Visa Infinite benefits
  • T&Cs Apply

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

 For more details about Skywards Miles earning rates please click here.

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 16,000

RATE

3.25%

ANNUAL FEE

AED 524

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Joining offer of up to 75,000 Voyager reward points
  • Earn rewards points on ALL spends
  • Airport lounge access for primary & secondary cardholders

MINIMUM SALARY

AED 16,000

RATE

3.25%

ANNUAL FEE

AED 524

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 90

Joining Offers

Welcome Bonus

  • Spend AED 15,000 on the Voyager Signature Card in the first 60 days and get up to 75,000 Voyager Rewards credit. (worth AED 750).
  • Get 30,000 Voyager Rewards when you pay the annual fee on the due date.
  • Get 15,000 Bonus Spend Rewards when you spend AED 15,000 within the first 60 days.
  • Get balance 30,000 Regular Spend Rewards on transactions made during the billing cycle.

Key Features

  • Earn 'Voyager Rewards' on all spends & redeem against your travel purchases
  • Spend AED 15,000 in the first 60 days & get up to 75,000 Voyager Rewards credit (worth AED 750)
  • 12 complimentary visits each to 1000+ airport lounges globally for primary & supplementary cardholders
  • 12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Travel insurance cover up to $500,000 covering the cardholder & family
  • 24-hour personalised concierge service
  • Fraudulent card misuse protection cover ($2,500 per occurrence, $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • 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 up to four months free for the first year
  • 50% off on dining, shopping, travel and entertainment experiences from over 450 partners
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Voyager Rewards:

  • Earn 3 Voyager Rewards for every AED spent internationally
  • Earn 2 Voyager Rewards for every AED spent locally
  • Earn 1 Voyager Reward for every AED spent on utility bills, school fees, e-govt spends and fuel purchases

Redeem Voyager points against travel purchase transactions (flights/hotel bookings, travel packages, airport transfers, etc.)

Things To Be Aware Of

  • Interest rate varies based on % of total bal paid previously

MINIMUM SALARY

AED 10,000

RATE

2.99%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Welcome bonus of 30,000 UAB Reward points

MINIMUM SALARY

AED 10,000

RATE

2.99%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 100

Joining Offers

Welcome Bonus

  • 30,000 UAB Reward Points
  • (AED 1000 to be paid within 30 days of card issuance)

Key Features

  • Earn up to 2 UAB Rewards on every US $1 spent
  • Dragon Pass ‘Dine & Fly’ airport dining program
  • Discounts on Hotel.com
  • Access to over 200 airport restaurant offers globally
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 10 B1G1 tickets at VOX on Sundays and 20% off at Roxy
  • Great discounts on hotel & vacation rentals with Agoda
  • Luxury Hotel collection
  • YQ Meet & Assist
  • 50% off on VOX cinemas-Online and applicable on Sunday
  • 8% discount on hotel bookings made at Hotels.com
  • Extended Warranty
  • Purchase protection
  • Global Emergency Assistance
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn UAB Rewards Points:

  • 1 points for every 1 USD spent domestically
  • 2 points for every 1 USD spent internationally
  • Redeem points for flight tickets & hotels, car rentals, electronic and lifestyle products.

Things To Be Aware Of

  • Spend of AED 1000 req. within 30 days to avail welcome offer

MINIMUM SALARY

AED 40,000

RATE

2.79%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Welcome bonus of 500,000 UAB Reward points
  • Premium travel & lifestyle benefits
  • Earn rewards points on all spends

MINIMUM SALARY

AED 40,000

RATE

2.79%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 100

Joining Offers

Welcome Bonus

  • 500,000 UAB Reward Points
  • (AED 1500 to be paid within 30 days of card issuance)

Key Features

  • Earn up to 3 UAB Rewards on every US $1 spent
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 10 B1G1 tickets at VOX on Sundays and 20% off at Roxy
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Travel Insurance (Personal accident benefit up to $1 Million)
  • Dragon Pass ‘Dine & Fly’ airport dining program
  • Discounts on Hotels.com
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Great discounts on hotel & vacation rentals with Agoda
  • Luxury Hotel collection
  • YQ Meet & Assist
  • International Premium Concierge service
  • 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
  • Extended Warranty
  • Purchase protection

Reward Features

Earn UAB Rewards Points:

  • 2 points for every 1 USD spent domestically
  • 3 points for every 1 USD spent internationally
  • Redeem points for flight tickets & hotels, car rentals, electronic and lifestyle products.

Things To Be Aware Of

  • Annual fee from 2nd year is AED 1,500

MINIMUM SALARY

AED 18,000

RATE

3.19%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Earn cashback on all spends
  • Complimentary Marhaba services

MINIMUM SALARY

AED 18,000

RATE

3.19%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn 1.5% cashback on your total spend
  • Exclusive dining, shopping and entertainment offers
  • 10 Complimentary tickets on Sundays in a month at VOX Standard and 20% off at Roxy
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary Marhaba and Golden Class services at Dubai and Abu Dhabi airports
  • Instalment plans of up to 12 months for purchases at leading UAE outlets
  • Free online and mobile banking
  • Free SMS notifications & e-statements
  • Balance transfer facility available

Reward Features

Earn Cashback

Earn 1.5% cashback on your total spend

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1575

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Premium lifestyle benefits
  • Earn Reward points on all spends
  • AED 1000 Cashback as joining bonus
  • Loaded with travel benefits!

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

AED 1000 cashback joining offer ( requires a spend of AED 10000)

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

  • AED 1000 cashback joining offer
  • Earn 360° Reward Points on all spends
  • Four free Careem airport rides per year with a maximum of AED 100 per ride.
  • Exclusive unlimited Fitness First access
  • Complimentary round of golf through Golflans offered by SCB. Discounts at 34 clubs in the UAE and Muscat
  • Unlimited complimentary access to 1000+ airport lounges worldwide including a guest
  • Avail upto 14 tickets at buy1 get 1 at VOX
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Buy 1 Get 1 Free at Costa Coffee
  • The Good Life privileges offers
  • 24/7 Concierge service
  • Extended warranty
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts

Reward Features

Earn 360° Reward Points on all spends

  • Earn 360° Reward Points on all spends
  • Earn 2% of your Rewards Points balance as cashback with any airline bookings
  • Earn 2 360° Reward Point for every US $1 on International Spend
  • Earn 1 360° Reward Points for every US $1 Domestic Spend
  • 360° Rewards Points, can be redeemed for exclusive merchandise, travel and much more
  • Transfer Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as hotel loyalty programmes.

  • (USD 1 is defined at AED 3.673)

Things To Be Aware Of

  • Reward points expiry 3 years from date of earning
  • AED 10,000 spend required by Aug 31 2022 for joining offer

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 525

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • First year free second year onwards AED 525
  • Buy 1 Get 1 Free on 2D and 3D movie tickets at all VOX
  • Discounts of up to 20% at over 200 airport restaurants
  • AED 200 Cashback Welcome offer

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

  • AED 200 joining offer
  • Earn 1 Reward Point for every $1 spent
  • Buy 1 Get 1 Free at Costa Coffee in UAE
  • 4 free tickets at VOX through Buy1 Get 1 and 20% discount at Reel Cinemas
  • Get 50% off at VOX Cinemas on Sundays across UAE
  • Dine & Fly with Dragonpass
  • 8% discount on hotel bookings made at Hotels.com
  • Up to 30% off the total bill with Visa Timeout
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Purchase protection for up to 365 days
  • Extended warranty
  • The Good Life privileges offers
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn 360° Reward Points on all spends on your Standard Chartered Manhattan Platinum Credit Card

  • Earn 360° Reward Points on all Domestic & International spends on your Standard Chartered Manhattan Platinum Credit Card
  • Earn 1 Rewards Point for every $1 spent on your card within the UAE or internationally. 
  • Redeem your points for the latest electronic gadgets, lifestyle offers, travel and much more.
  • Transfer your Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as to hotel loyalty programmes.

Things To Be Aware Of

  • 2 supplementary cards are free, AED 157.50 thereafter
  • Reward points expiry 3 years from date of earning
  • Joining offer requires spend of AED 5000

MINIMUM SALARY

AED 25,000

RATE

2.45%

ANNUAL FEE

AED 1499

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Get up to 20,000 Bonus Skywards Miles
  • Emirates Skywards Silver Tier Status
  • Access to 900+ airport lounges across the world
  • Fast Track to Gold Tier status
  • 1-night free stay at Rixos JBR

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

  • Simplified Skywards Miles earn logic - based on total spend tiers
  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Rakfoodie privileges
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Complimentary Emirates Skywards Silver tier membership
  • Complimentary access to 900+ lounges globally for the cardholder PLUS a guest
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Complimentary airport transfers within the UAE
  • Complimentary Amazon Prime membership for a period of one year
  • 50% discount on VOX Cinemas at 4 free tickets per month per card
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Free delivery of fuel at your door step by CAFU - 4 times in a month
  • Discovery Black membership by Global Hotel Alliance with discounts and other premium benefits
  • 15% discount on "Buy and Gift Miles"
  • Fastrack to Gold tier by opening a RAKBANK Emirates Skywards Saving Account
  • Complimentary access two times in a month at some of the finest golf courses in Dubai
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Applicants for RAKBANK Emirates Skywards World Elite Mastercard Credit Card should be citizens or residents of the UAE
  • Minimum monthly salary requirement for salaried applicants is AED 25,000
  • Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Credit Card is AED 1,499. Limited Period Offer - Annual fees waived for first year until 28th February 2021.
  • Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Supplementary Credit Card is AED 999 with Silver tier membership & AED 200 without Silver tier membership

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

  • Free for the first year - Annual fee of AED 1499 on renewal

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Premium card with no annual fee
  • Extensive premium lifestyle benefits
  • Earn cashback on all spends

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / Min 100

Key Features

  • Premium card with annual fees waived
  • Complimentary U by Emaar Loyalty program membership
  • Complimentary Global Internet Calling
  • Earn 1.5% cashback on local spends & 2% on all international spends
  • Unlimited access to over 900 airport lounges across the world
  • 6 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • 2 complimentary Marhaba meet & greet services per year
  • Complimentary nights at SPG Hotels and Resorts
  • 4 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights
  • Free round of golf at Arabian Ranches Dubai
  • Exclusive Dubai Opera offers
  • MyUS.com & Reebonz offers and discounts
  • Luxury Service Apartment offers
  • Special Hertz and Avis car rental offers and discounts
  • Travel inconvenience and travel medical insurance with cover of up to US $500,000

Reward Features

Earn Cashback

  • Earn 1.5% cashback on local spends
  • Earn 2% cashback on international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require min spends criteria to be met

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • Premium card with no annual fee
  • Earn cashback on all spends
  • Premium lifestyle benefits

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Premium card with annual fees waived
  • Complimentary U by Emaar Loyalty program membership
  • Complimentary Global Internet Calling
  • Earn 1.5% cashback on local spends & 2% on all international spends
  • Unlimited access to over 900 airport lounges across the world
  • 4 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • 2 complimentary Marhaba meet & greet services per year
  • Complimentary nights at SPG Hotels and Resorts
  • 3 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights
  • Free round of golf at Arabian Ranches Dubai
  • Exclusive Dubai Opera offers
  • MyUS.com & Reebonz offers and discounts
  • Luxury Service Apartment offers
  • Special Hertz and Avis car rental offers and discounts
  • Travel inconvenience and travel medical insurance with cover of up to US $500,000

Reward Features

Earn Cashback

  • Earn 1.5% cashback on your local spends
  • Earn 2% cashback on your international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require minimum spend criteria to be met

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Air Miles
  • No annual fee
  • Earn cashback on all spends
  • Lifestyle benefits (valet parking, airport drops etc.)

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Annual Fees waived
  • Complimentary Global Internet Calling
  • Complimentary U by Emaar loyalty program membership
  • Earn 1.25% cashback on local spends & 2% on international spends
  • Unlimited access to over 25 Regional and International Airport lounges
  • Complimentary workouts at select gyms in Dubai & Abu Dhabi
  • Free round of golf at Arabian Ranches Dubai
  • 2 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • 2 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights

Reward Features

Earn Cashback

  • Earn 1.25% cashback on local spends
  • Earn 2% cashback on international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require minimum spend criteria to be met

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 209

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Earn rewards on ALL spends

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 209

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 90

Key Features

  • Earn 'Voyager Rewards' on all spends & redeem against your travel purchases
  • Up to 9% discount on Expedia Hotel Bookings
  • Up to 2 buy-one-get-one free on tickets & popcorn at VOX Cinemas
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 50% off on dining, shopping, travel and entertainment experiences from over 450 partners
  • 10 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus subscription
  • Extended warranty & purchase protection on purchases made on the card

Reward Features

Earn Voyager Rewards:

  • Earn 2.5 Voyager Rewards for every AED spent internationally
  • Earn 1.5 Voyager Rewards for every AED spent locally
  • Earn 1 Voyager Reward for every AED spent on utility bills, school fees, e-govt spends and fuel purchases
  • Redeem Voyager points against travel purchase transactions (flights/hotel bookings, travel packages, airport transfers, etc.)

Things To Be Aware Of

  • Interest rate varies based on % of total bal paid previously

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 1500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • 35,000 welcome Etihad Guest Miles
  • 50% Etihad Guest Miles discount voucher
  • Access to 1000+ airport lounges across the world
  • Fast track enrolment to Etihad Guest Silver Membership
  • Earn up to 6.5 Etihad Guest Miles for every AED 10 spent

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Get a warm welcome with a 35,000 Etihad Guest Miles bonus.

Key Features

  • Receive 35,000 Etihad Guest Miles as welcome bonus for primary Card
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Double Etihad Guest Tier Miles
  • Earn Etihad Guest Miles on all your purchases
  • Visa luxury hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 50% Miles Discount Voucher every year on reaching an annual spend of AED 150,000
  • Optional Miles Accelerator program
  • 10% discount on Etihad Airways holiday package
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Fast track enrolment to Etihad Guest Silver membership
  • Complimentary inflight wi-fi vouchers
  • 2 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Access to 1000+ airport lounges across the world, 8 times per annum
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Visa golf access - exclusive discounts on highly prestigious golf courses
  • Exclusive 24/7 Concierge Service
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • Shop Smart
  • International medical and travel assistance
  • Home content insurance
  • 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

Reward Features

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

  • Domestic transactions (AED): 2.75 Miles earned per AED 10
  • International transactions (non-AED): 4.5 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 5.5 Miles earned per AED 10

EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPENDS

All purchase transactions (domestic or international): 2.5 Miles earned per AED 10

MILES ACCELERATOR PROGRAM

Earn 6.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

Things To Be Aware Of

  • Supplementary cards have annual fee of AED 250

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 420

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Exclusive offers at Carrefour
  • Earn 3% cashback at Carrefour through the year
  • Earn 6% cashback at Carrefour on Tuesdays
  • VOX Cinema offers

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 420

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 90

Joining Offers

10% cashback at Carrefour and 5% cashback everywhere else for the first 60 days. Get AED 400 cashback as introductory offer.

Key Features

  • Earn extra cashback (3%) at all purchases at Carrefour (and 6% on Tuesdays)
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Exclusive Carrefour benefits including dedicated check-out counters, free unlimited vallet trolley & other offers
  • Earn extra cashback at all purchases at Carrefour
  • Up to 2 buy-one-get-one free on tickets & popcorn at VOX Cinemas
  • 12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
  • 30% off on dining, shopping, travel and entertainment experiences from over 450 partners
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Extended warranty & purchase protection on purchases made on the card
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Cashback (subject to minimum overall spend of AED 2,000 per month):

  • For every AED 1 spent in Carrefour earn 3% cashback and for every AED 1 spent everywhere else earn 1.5% cashback
  • Double your Cashback every Tuesday at Carrefour (i.e. earn 6% cashback)
  • Maximum redemption a month is AED 500 in Carrefour voucher

Things To Be Aware Of

  • Interest rate varies based on % of total bal paid previously
  • Minimum spend of AED 2,000 p.m required to earn cashback

MINIMUM SALARY

AED 7,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Free for life cashback credit card
  • Exclusive offers at Carrefour
  • Earn 3% cashback at Carrefour on Tuesdays

MINIMUM SALARY

AED 7,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 90

Key Features

  • Earn extra cashback (1.5%) at all purchases at Carrefour (and 3% on Tuesdays)
  • Exclusive Carrefour benefits including dedicated check-out counters, free unlimited valet trolley & other offers
  • 12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 30% off on dining, shopping, travel and entertainment experiences from over 450 partners
  • 8% discount on hotel bookings made at Hotels.com
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Extended warranty & purchase protection on purchases made on the card

Reward Features

Earn Cashback (subject to minimum overall spend of AED 2,000 per month) :

  • For every AED 1 spent in Carrefour earn 1.5% cashback and for every AED 1 spent everywhere else earn 0.5% cashback
  • Double your Cashback every Tuesday at Carrefour (i.e. earn 3% cashback)
  • Maximum redemption a month is AED 200 in Carrefour voucher

Things To Be Aware Of

  • Interest rate varies based on % of total bal paid previously
  • Minimum spend of AED 2,000 p.m required to earn cashback

MINIMUM SALARY

AED 25,000

RATE

3.45%

ANNUAL FEE

AED 650

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Extensive, premium luxury lifestyle benefits
  • Earn Salaam Carats on all spends
  • Premium travel benefits
  • 50% discount on movie tickets
  • ED 2500 cashback as joining bonus

MINIMUM SALARY

AED 25,000

RATE

3.45%

ANNUAL FEE

AED 650

Non AED Transaction Fee

2.79%

Cash Advance Fee

3.15 % / Min 210

Joining Offers

Apply & get AED 2500 cashback will be credited subject to spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.

Key Features

  • AED2500 cashback as joining bonus
  • Earn Salaam Carats on all spends
  • Complimentary Golf at Arabian Ranches, Yas Link and Trump based on spend tiers. Discounts at 14 clubs in UAE and Muscat
  • Unlimited free access to 650+ airport lounges globally for primary, supplementary and a guest
  • Save up to 35% on the finest signature cuisines by the best hotels in the UAE
  • 10 Complimentary tickets on Sundays in a month at VOX Standard and 20% off at Roxy
  • 2 free valet parking at select locations in Dubai and Abu Dhabi
  • 6 complimentary airport limousine service uses per year in Dubai
  • Redeem Salaam points for travel tickets and vouchers
  • Complimentary access to Fitness First
  • Exclusive 30% discount on Luxury yacht charter
  • 6 complimentary Silver Marhaba Meet & Greet services in a year
  • Multi trip travel insurance
  • 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
  • 24-hour personalised premium concierge service
  • 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 Salaam Carats

  • Earn 1 Salaam Point on local spends .
  • Earn 3 Salaam points on International spends.

Things To Be Aware Of

  • Supplementary card has annual fee of AED 630
  • Min monthly spends required for some benefits
Apply Now

on Mashreq Bank site

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Get AED 500 cashback when you apply today
  • Life time free
  • No cash advance or overlimit fee
  • 'Buy 1 Get 1 Free' movie offers on Sundays at VOX
  • 1000s of discounts & benefits with the HSBC ENTERTAINER app

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.10%

Cash Advance Fee

- / -

Joining Offers

Get AED 500 cashback when you apply for a Zero Credit Card today*

*AED 500 cashback available to all new and existing HSBC customers who apply for a new primary HSBC Cashback Credit Card or HSBC Zero Credit Card or HSBC Premier Credit Card or HSBC Advance Credit Card and who do not have a primary Credit Card at the time of application and did not have one 6 months prior to application.

Key Features

  • ZERO fees - no Annual Fees, no Over Limit fees & no Cash Advance fees
  • Upto 5 tickets on at VOX per month on Buy 1 Get 1 offer
  • Free HSBC Entertainer Mobile App
  • Visa Luxury Hotel collection offers
  • Access to over 200 airport restaurant offers globally
  • Exclusive dining privileges
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Travel discounts of up to 12% with Agoda
  • Dragon Pass Dine & Fly programme
  • Extended warranty of upto 1 year over the original manufacturer warranty
  • Purchase protection cover

Reward Features

This card does not have a loyalty reward, however has features such as cinema offers, movie discounts and so on.

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 313

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • No annual fee for the 1st year
  • 'Buy 1 Get 1 Free' tickets at Vox Cinemas
  • Up to 5% cashback on your spend
  • Enjoy up to AED 600 cashback when you open a Cashback card

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 313

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.15 % / Min AED105

Joining Offers

Enjoy up to AED 600 cashback when you open a Cashback card today. Below are couple of conditions.

  • AED 500 cashback joining offer is applicable on new credit card with a total spend of AED 8000 in the first two months.
  • An additional AED 100 on adding the new HSBC card to a mobile wallet.

Key Features

  • Earn upto AED 600 on cashback as joining bonus.
  • Earn cashback on ALL your spends (5% cashback on Fuel, 2% cashback on supermarket and education, 0.5% cashback on everything else)
  • Enjoy automatic statement credit of cashback every month
  • Buy 1 Get 1 Free' tickets at Vox Cinemas
  • 1000s of discounts and benefits with the HSBC ENTERTAINER mobile app and I Love Dining programme
  • Get up to 10% off airfares (excluding applicable taxes, charges, and fees) when you book with your HSBC Cashback Credit Card from 1 January 2023 until 31 December 2023, for travel dates up to 30 December 2024.
  • Relax with complimentary travel insurance cover for you and your family
  • Extended warranty of upto 1 year over the original manufacturer warranty
  • Purchase protection cover of upto USD 20,000 per year

Reward Features

Earn Cashback on ALL spends:

  • Earn 5% cashback on all fuel spends in the UAE (max AED 200 p.m.)
  • Earn 2% cashback on all supermarket in the UAE (max AED 200 p.m)
  • Earn 2% cashback on education spends in the UAE (max AED 200 p.m)
  • Earn 0.5% cashback on all other spends (no max cap)
  • Cashback will be automatically credited to your statement every month.

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.

Things To Be Aware Of

  • 2 free supplementary cards, AED 50 thereafter
  • Fuel & supermarket spends have max cashback caps
  • Minimum spend required for promotional cashback

MINIMUM SALARY

AED 50,000

RATE

2.75%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Air Miles
  • Premium luxury lifestyle benefits
  • 150,000 bonus sign-up Airmiles
  • Excellent travel & travel insurance benefits
  • Best in class cinema offers
  • AED 500 Cashback Welcome offer

MINIMUM SALARY

AED 50,000

RATE

2.75%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.10%

Cash Advance Fee

2.75 % / Min 105

Joining Offers

Welcome Offer

Get up to AED 500 cashback when you apply for an HSBC MasterCard Credit Card today. Offer valid till 30 April 2023.


Enjoy 150,000 sign-up Air Miles for the first year and 75,000 anniversary Air Miles from the 2nd year onwards.

Key Features

  • Up to 2.5 Air Miles per 1 AED spend on the card
  • Unlimited complimentary airport lounge access for primary & supplementary cardholders plus a guest each
  • Complimentary unlimited valet parking in select locations at Dubai & Abu Dhabi
  • Customers can avail 4 complimentary tickets each at VOX and Reel in a month through Buy1 and Get 1
  • Marriott Bonvoy Hotels complimentary nights
  • Expedia hotel bookings discounts
  • Entertainer app with 9,000+ Buy 1-Get 1 Free offers
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive international Concierge service
  • Two complimentary rounds at Els Club, Trump, Sadiyat Beach Golf club and Abu Dhabi Golf club
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Instant upgrade to DISCOVERY Black-level membership, a loyalty programme of Global Hotel Alliance
  • Exclusive discounts on Airport Meet & Greet services

Reward Features

Earning miles

Spend anytime, anywhere with your HSBC Black Credit Card & earn Air Miles:

  • 1.5 Air Miles per 1 AED of foreign currency spends.
  • 1.5 Air Miles per 1 AED spend on online purchases.
  • 2.5 Air Miles per 1 AED spend on airlines, hotels, car rentals, 1 Air Mile per 1 AED spend on all other transactions.
  • Redeem Airmiles online, from a wide range of travel and entertainment rewards, including flights, hotel stays, retail vouchers and much more.
  • Airmiles can be exchanged with Emirates Skywards Miles & Eithad Guest Miles.
  • Exchange ratio is 12 Air Miles for 1 Skywards Mile & 9 Air Miles for 1 Etihad Guest Mile.
  • Minimum 30,000 Air Miles required for exchange.

Things To Be Aware Of

  • You will require an HSBC Premier account to get this card
  • Bonus Airmiles have minimum spend criteria

MINIMUM SALARY

AED 30,000

RATE

3.75%

ANNUAL FEE

AED 1500

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Guaranteed AED 1500 travel voucher as joining offer
  • No international transaction bank fee
  • 1 complimentary night for every 3 paid nights on FAB portal
  • Redeem across 800+ airlines, 500,000+ hotels and car rental
  • Redeem across 800+ airlines, 500,000+ hotels and car rental
  • Unlimited free access across over 1,000+ airport lounges

MINIMUM SALARY

AED 30,000

RATE

3.75%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

-

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Get a guaranteed AED 1500 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.

Key Features

  • Endless choices and benefits across everything travel, including flights, hotels, car hire, and much more.
  • Get a guaranteed AED 1500 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.
  • Use your Travel Card abroad with no foreign transaction fees on your purchases (excluding currency conversion / scheme charges).
  • One complimentary night for every three paid nights when booked through the FAB Travel Portal.
  • Unlimited free access across over 1000+ airport lounges globally for the cardholder and one guest.
  • Enjoy up to 10% discount for First, Business (Club World), Premium Economy (World Traveller Plus) and Economy (World Traveller) classes when travelling from the UAE.
  • Enrol as Jumeirah One member and receive exclusive benefits with tier level upgrades for select cardholders.
  • Use your FAB Elite Infinite Travel Card on UBER internationally and get up to US $25 credit per ride (up to six rides).
  • Get up to 8 free airport transfers a year within the UAE no matter which airport you are using.
  • One free ride per trip within the same emirate
  • Two free rides per trip between emirates
  • As a Visa Signature and Visa Infinite cardholder, get 20% off three Careem rides by Visa. For details visit ae.visamiddleeast.com.
  • Visa cardholder benefits that make life more rewarding. As a Visa cardholder, get great travel and entertainment benefits with your Visa FAB credit card
  • Receive 30% off airport Meet and Greet services in over 450 destinations globally with your FAB Visa Travel Card.
  • Visa’s 24-hour concierge provides a personal service for all Visa Elite Infinite cardholders.
  • Discounts on green fees at a growing number of golf clubs across the globe.
  • Enjoy ‘buy one get one free’ offers through the "Visa Offers MENA" app.
  • Jumeirah Hotels: Up to 20% off at Jumeirah dining establishments
  • Meraas: Up to 20% off at Meraas dining, leisure and entertainment venues
  • As a Visa cardholder, get up to 35% discount on standard rates and 30% off international leisure rates.
  • Free travel accident insurance of up to USD 1m when you use your FAB Travel Card to purchase your travel tickets.
  • Free international medical and travel assistance when you use your FAB Travel Card to purchase your travel tickets.
  • Your credit card’s outstanding balance is taken care of with Credit Shield programme if you can’t meet your credit card payments due to unforeseen circumstances.
  • All purchases on your FAB credit card are automatically covered for up to 365 days from the purchase date.
  • Enjoy double the original manufacturer’s or retailer’s warranty for up to one year.
  • Benefit from automatic protection against unauthorised transactions or fraudulent use of your card.
  • Above offers are subject to change.

Reward Features

Get 1.5 FAB Mile for each USD $1 spent on retail purchases anywhere

Get 2 FAB Miles for each USD $1 spent on any travel purchase 

Exchange 1 FAB Mile to 1 mile / point or more, of participating airline and hotel partners.

Participating partners include:

  • Aeroplan
  • Avianca LifeMiles
  • BIG Rewards
  • British Airways Executive Club
  • Club Vistara
  • Emirates Skywards
  • Flying Blue
  • Fortune Wings Club
  • IHG® Rewards
  • Jumeirah One
  • Turkish Airlines Miles&Smiles
  • Wyndham Rewards

MINIMUM SALARY

AED 15,000

RATE

3.85%

ANNUAL FEE

AED 400

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Earn more FAB Rewards on your spending and gaming
  • Benefits and discounts across travel and lifestyle
  • Get up to two airport transfers a year from AED 40
  • Enjoy free access to 1000+ airport lounges worldwide.

MINIMUM SALARY

AED 15,000

RATE

3.85%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / or AED 105

Joining Offers

Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.


Key Features

  • Valet Parking: Enjoy two free valet parking services a month at selected locations in the UAE.
  • Movie tickets from just AED 15: Enjoy four movie tickets a month for only AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinemas. Get weekday movie tickets from only AED 20 at VOX Cinemas.
  • Golf Discounts: Get exclusive discounts at great golf courses*.
  • Visa Lifestyle Benefits: Get even more great benefits with Visa, including offers on dining, The Entertainer and Global Blue*.
  • Airport Transfers: Get up to two airport transfers a year from AED 40 (within the same city) .
  • Airport Lounge Access: Enjoy free access to 1000+ airport lounges worldwide.
  • Visa Travel Benefits: Enjoy travel benefits and discounts with Visa’s partners, including DragonPass Airport dining offers, YQ Meet & Assist, Avis Car Rental, Agoda, IHG Hotels & Resorts, Visa Luxury Hotel Collection, Jumeirah Hotels, Booking.com and many
  • more*.
  • Travel Accident Insurance: Get complimentary travel insurance of up to USD 500,000*.
  • Purchase Protection and Extended Warranty: Enjoy Purchase Protection and Extended Warranty of 12 months beyond the manufacturer or retail warranty*.
  • Fraud: Benefit from automatic protection against unauthorised transactions or the fraudulent use of your card*.
  • International Medical and Travel Assistance: If you used your FAB Rewards Signature Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your
  • principal country of residence for up to 90 days*.
  • Credit Shield: If something happens and you can’t meet your credit card payments, your outstanding balance will be paid off.
  • *Services offered and supported by Visa. Terms and conditions of the offer(s) may change without prior notice. Click here for more details about these great benefits

Reward Features

The fastest way to increase your FAB Rewards earning: 

FAB Rewards bonus: Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.
More FAB Rewards on gaming: Earn up to 5 FAB Rewards per AED 1 spent on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.
More FAB Rewards: Earn up to 2 FAB Rewards per AED 1 spent on your card.
Redeem instantly: Redeem your FAB Rewards instantly through the FAB Mobile app. Use your Rewards for more game time, exchange them for Emirates Skywards Miles or Etihad Guest Miles, buy mall e-vouchers, pay utility bills and much more

MINIMUM SALARY

AED 30,000

RATE

3.75%

ANNUAL FEE

AED 600

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn up to 5 FAB Rewards for every AED 1 you spend
  • Access to over 1,000+ Airport Lounges
  • Complimentary multi-trip travel insurance
  • Movie tickets from just AED 15
  • Golf discounts with Visa Golf

MINIMUM SALARY

AED 30,000

RATE

3.75%

ANNUAL FEE

AED 600

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / AED 158

Joining Offers

Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.


Key Features

  • A convenient solution for all those enjoy the basic luxuries in life! FAB Infinite Credit Cardholders can enjoy 3 valet parking services per month at select locations.
  • FAB Infinite Credit Cardholders can enjoy 6 movie tickets per month at AED 15 during weekdays and AED 20 during weekends with Reel Cinemas, Cine Royal, and Oscar Cinemasand at AED 20 during weekends at Vox Cinemas.
  • Take your golf to the next level with Visa Golf and get exclusive discounts on highly prestigious golf courses.
  • Make the most of your trip with a 24-hour Concierge Service to help you with an array of travel-related tasks.
  • Plus hundreds more top-class offers available to FAB Infinite Credit Cardholders.
  • Get welcomed at the airport in style! FAB VISA Infinite Credit Cardholders can enjoy 6 Meet & Greet services per annum from AED 40 (individual booking) or AED 100 (family booking). Note: The service at Abu Dhabi airport is temporarily on hold until
  • further notice
  • Travel in style with access to more than 1000+ airport lounges worldwide for you and a guest.
  • Visa gives you 20% off on 3 airport transfers with Careem.
  • Get complimentary Travel Accident Insurance of up to USD 1 million.
  • Enjoy Purchase Protection and an Extended Warranty of 12 months beyond the manufacturer or retail warranty.
  • Benefit from automatic protection against unauthorised transactions or fraudulent use of your card.
  • If you have used your FAB Visa Infinite Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your principal country of residence for up to 90
  • days.

Reward Features

Earn up to 5 FAB Rewards for every AED 1 you spend on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.

Earn up to 4 FAB Rewards per AED 1 spent on your card

Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday

Things To Be Aware Of

  • Spend critiera applicable for Valet and Movies

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 550

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Roadside Assistance
  • Exclusive Ferrari offers
  • Extensive premium lifestyle benefits
  • Premium travel benefits

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 550

Non AED Transaction Fee

2.95%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Exclusive Ferrari experiences - Ferrari Driving Experience, Ferrari Challenge Race, Ferrari Factory and Museum Tour
  • Complimentary Premium Subscription to the Scuderia Ferrari Online Community
  • Choice of loyalty rewards - Rewards, Miles or Cashback
  • Unlimited access to 750+ airport lounges globally for cardholder plus a guest
  • Airport Dining Discount Program with DragonPass
  • Discounts with Agoda
  • Visa Luxury Hotel Collection
  • 90+ TimeOut Dining offers in UAE
  • 20% off at Jumeirah Dining establishments
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Valet parking up to 5 times a month in Dubai & Abu Dhabi
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Jumeirah Hotel Stay Offers
  • YQ Meet & Greet Service discounts
  • AVIS Car Rental offers
  • Medical & Travel assistance
  • Global Customer Assistance Services
  • Multi-trip travel insurance cover up to US $1,000,000
  • Purchase protection
  • Extended warranty
  • Balance Transfer

Reward Features

Choose from First Rewards, First Miles or First Cashback

First Rewards

  • Earn 1 First Reward point for every 1 AED spent locally
  • Earn double reward points for international spends (points awarded for minimum spend of AED 500 and maximum of AED 20,000)
  • No reward points on utility bill spends above AED 2,000
  • Earn double reward points for supermarket spends
  • No points for govt and fuel spends

To redeem choose from hundreds of rewards vouchers for jewellery, personal accessories, electronics and more

First Miles
Earn 2 First Miles for every $1 spent internationally and 1 First Mile for every $1 spend locally.
Redeem against any airline, hotel or any travel service in the world without any blackout dates.

First Cashback
Guaranteed cashback earnings up to 5%, with no minimum spend criteria.

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spend of AED 1,500 p.m

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 35,000

RATE

3.25%

ANNUAL FEE

AED 4200

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • AED 500 noon voucher (T&C's apply)
  • Fast-Track update to Emirates Skywards Gold tier Status
  • Complimentary Airport Transfers and Lounge access
  • Complimentary Golf Rounds and Valet Parking services

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4,200

Non AED Transaction Fee

1.84%

Cash Advance Fee

3.15 % / AED 103.95

Joining Offers

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 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

  • As an Emirates Islamic Skywards Black Credit Cardholder, you can fast track to Skywards Gold Tier status with a complimentary Emirates Skywards Silver Tier Membership for primary and one supplementary card holder
  • You need to log-in to your Emirates Skywards account and follow the Buy Miles process or the Gift Miles process.
  • Take advantage of up to 4 complimentary airport transfers per calendar year to or from Dubai airport.
  • Enjoy unlimited complimentary access to over 1000 airport lounges
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE.
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy two rounds of complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Black Credit Card
  • With your Emirates Islamic Black Credit Card, you can avail Cash on Call facility of up to 80% of your available credit limit.
  • Get access to all exclusive Visa Infinite benefits.
  • *T&Cs Apply

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

For more details about Skywards Miles earning rates please click here.

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 525

  • Golf offers
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • 12,000 Welcome bonus Etihad guest Miles
  • Earn Etihad Guest Miles on all spends
  • 30% off at over 1,400 restaurants in the UAE
  • Benefits at Ferrari World & Yas Water World

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Qualifying Cardholder shall also be eligible for ‘Anniversary Bonus Miles’ in the subsequent year upon the ADCB Etihad Guest Card anniversary.

Key Features

  • Get 12,000 Etihad Guest Miles on paying the first year annual fee
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month
  • Earn 1 Etihad Guest Miles for every USD 1 spent locally
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways
  • Exclusive Etihad Guest Silver Tier membership
  • Complimentary upgrade voucher from Etihad Airways
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary Airport Chauffeur service (2 per year)
  • Complimentary Global Concierge service
  • Access to over 200 airport restaurant offers globally
  • Exclusive benefits at Ferrari World and Yas Waterworld
  • Purchase protection for up to 90 days
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty on eligible purchases
  • Medical and legal referral services
  • Optional credit shield
  • Up to 12% off Agoda bookings
  • Dining and lifestyle discounts
  • Utility Bill payments
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Balance Transfer
  • Personal Payment Plan
  • Credit Card loan

Reward Features

  • Earn 1 Etihad Guest Mile for every USD 1 spent locally.
  • Etihad Guest miles multiplier.
  • Etihad Guest Miles multiplier is given based on minimum monthly spend and once a month. Qualifying Cardholder need to spend the required minimum threshold to enjoy the Etihad Guest Miles multiplier.
  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase.
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month.
  • Accumulate & redeem Etihad Guest Miles for airline tickets, upgrades & much more
  • School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking,   Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways.

Things To Be Aware Of

  • Bonus Miles will be credited only after AMF payment(60 days)
  • 1000 USD min spend monthly to get 1000 Etihad Guest Miles

MINIMUM SALARY

AED 25,000

RATE

3.33%

ANNUAL FEE

AED 4500

  • Golf offers
  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Bonus Skywards Miles
  • Fast track to Emirates Skywards Gold tier membership
  • 1 year complimentary Amazon Prime membership
  • Complimentary Emirates Home check-in services

MINIMUM SALARY

AED 25,000

RATE

3.33%

ANNUAL FEE

AED 4,500

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / AED 99

Joining Offers

Welcome Offer: 

Upto 120,000 bonus Skywards Miles

  • 50,000 welcome bonus Miles
  • 70,000 bonus Skywards Miles (subject to meeting spend thresholds)

Key Features

  • Upto 120,000 bonus Skywards Miles
  • 1 year complimentary Amazon Prime membership
  • Fast track to Emirates Skywards Gold tier membership.
  • Four complimentary Emirates Home check-in services within Dubai.
  • Unlimited Airport lounge access globally for primary cardholder via LoungeKey.
  • Complimentary airport transfers
  • Exciting travel and lifestyle benefits.
  • Complimentary Concierge Services
  • Valet Parking
  • Complimentary golf for Cardholder
  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Instant upgrade to DISCOVERY Black-level membership, a loyalty programme of Global Hotel Alliance
  • Exclusive discounts on Airport Meet & Greet services
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features

Up to 120,000 bonus Skywards Miles

  • 50,000 welcome bonus Miles
  • 70,000 bonus Skywards Miles (subject to meeting spend thresholds)

*Minimum retail spend of AED 130,000 within 6 months from the card issuance date, when you apply for your Emirates Skywards card from 1st July 2020 till 31st July 2020

Things To Be Aware Of

  • Minimum retail spend of AED 140,000 within 6 months
  • 5th supplementary card onwards annual fee is AED 4500

MINIMUM SALARY

AED 12,000

RATE

3.45%

ANNUAL FEE

AED 525

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Welcome bonus of 30,000 CBD reward points
  • Premium lifestyle & travel benefits

MINIMUM SALARY

AED 12,000

RATE

3.45%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.75%

Cash Advance Fee

3.00 % / Min 105

Joining Offers

Welcome Offer

  • 30,000 CBD Reward Points
  • Welcome Bonus is given provided the cardholder spends 2500 AED within 30 days from card issuance date.

Key Features

  • No annual fees for the first year on primary card
  • CBD Points Rewards Program – earn up to 2.5 points for every AED spent
  • Complimentary access to Pharaoh's Wafi Club
  • Free valet parking 2 times per month in Dubai & Abu Dhabi
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • 50% discount on VOX cinema tickets across the UAE
  • Unlimited access to 900+ airport lounges, worldwide
  • Multi-trip travel insurance cover up to US $500,000
  • 24 hour Visa Premium Concierge Service
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • Fraudulent card misuse protection
  • 8% off bookings on hotels.com
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service
  • Purchase Protection
  • Extended Warranty
  • 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
  • Screen reader support enabled.

Reward Features

Earn Reward Points

  • Earn CBD Reward Points
  • Earn 0.5 point per  AED of grocery purchases
  • Earn 0.5 points per 1 AED of government purchases
  • Earn 1.5 points per 1 AED for all other local purchases
  • Earn 2 points per 1 AED for all other international purchases
  • CBD Points can be redeemed for Emirates Skywards Miles, Etihad Guest Miles in the rate of 20 for 1 mile or for Cash Back.

Things To Be Aware Of

  • Min spend of AED 5,000 per month required for some benefits

MINIMUM SALARY

AED 5,000

RATE

3.85%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Free for life
  • 0% Balance transfer offer for 12 months
  • 50% discount on 2 cinema tickets at Novo cinemas per month
  • Cinema offer at Nov

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

  • No annual fees ever
  • CBD Points Rewards Program – earn up to 2 points for every AED spent
  • 50% discount on 2 cinema tickets at Novo cinemas per calendar month subject to a monthly spend of AED 2,000.Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • 8% off bookings on hotels.com
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service
  • Purchase Protection
  • Extended ​Warranty
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Buy 1 Get 1 offers on leisure, entertainment, and more

Reward Features

Earn Reward Points

  • Earn CBD Rewards Points on every spend, up to 1.5 Points per AED spend. Redeem your CBD Rewards Points for Skywards Miles and fly better with Emirates or you can opt for Cashback, Vouchers & so much more

Things To Be Aware Of

  • Some categories of spend earn fewer points
  • Min. spend of AED 2500 in 30 days is req. for welcome bonus

MINIMUM SALARY

AED 15,000

RATE

3.85%

ANNUAL FEE

AED 788

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • AED 2,000 as a cashback welcome offer
  • Premium lifestyle & travel benefits
  • Complimentary lounge/VIP parking/Wellness membership/Golf
  • CBD Rewards on all spend

MINIMUM SALARY

AED 15,000

RATE

3.85%

ANNUAL FEE

AED 788

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 105

Joining Offers

Enjoy AED 2,000 as a cashback welcome offer when you sign up for a CBD Visa Infinite Credit Card and spend a minimum of AED 12,000 within 30 days of card issuance

Key Features

  • Pay no annual fee for the first year. What’s more, enjoy no annual fee for the years after when you spend over AED 100,000 per annum on your Card.
  • CBD Points Rewards Program – earn up to 3 points for every AED spent
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • AED 80 worth of cashback on Vox at 50% discount. Roxy offer of 20% discount.
  • Free valet parking 4 times per month in Dubai & Abu Dhabi
  • 50% discount on VOX cinema tickets across the UAE
  • Unlimited access to 900+ airport lounges, worldwide plus 1 guest
  • Multi-trip travel insurance cover up to US $1,000,000
  • 24 hour Visa Premium Concierge Service
  • Agoda hotels & vacations discounts
  • Fraudulent card misuse protection
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service
  • Purchase Protection
  • Extended Warranty

Reward Features

  • Domestic Spend : Up to 2.5 CBD reward points on every AED spent
  • International Spend: Up to 3 CBD reward points on every AED spent
  • Reward Redemption:Cashback on card, Airline tickets, Emirates Skywards Miles, Electronics purchases, Shopping vouchers, Pay with Points for your next shopping, Charity

Things To Be Aware Of

  • Min spend of AED 5,000 per month
  • Required for some benefits

MINIMUM SALARY

AED 5,000

RATE

3.85

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • 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

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

  • Use your CBD One Card with the selected plan on your favorite listed brands to enjoy double cashback up to AED 1,000 for first 60 days from card issuance date.
  • Enjoy a regular monthly cashback of up to AED 500 from 3rd month onwards.
  • Watch your favorite movie with 50% off on Vox & Reel cinemas.
  • Free yourself from parking worries at selected Malls & Airport locations in Dubai & Abu Dhabi with CBD’s complimentary Valet Parking.
  • Enjoy Golf with your friends & family with 4 Complimentary rounds of golf every month at Trump International Golf Club.
  • Relax and entertain yourself during travel with up to 8 times free access to Airport Lounge with CBD One Visa Signature.
  • Pay in instalments with 0% Easy payment plan
  • Pay your other bank credit card with Balance transfer
  • Need Cash instantly, get Quick cash.
  • For global benefits offered by Visa

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

  • 50% off on Vox & Reel cinemas requires a spend of AED 5000

MINIMUM SALARY

AED 40,000

RATE

3.25

ANNUAL FEE

AED 1575

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Welcome bonus Up to 50,000 Reward points
  • Unlimited complimentary airport lounge access for cardholder
  • Complimentary golf access
  • 50% off all-inclusive access at select Rixos Resorts in UAE
  • Complimentary night on card anniversary

MINIMUM SALARY

AED 40,000

RATE

3.25

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / pr AED 105

Joining Offers

Enjoy a welcome bonus Up to 50,000 Reward points, equal to €1,000 in hotel stays at Accor hotels around the world

 

Enjoy a rewarding welcome bonus on your ALL - ADCB Infinite Credit Card. You will receive up to 50,000 Reward points from ALL when you apply and use your ALL - ADCB Infinite Credit Card.

  • Earn 15,000 Reward points from ALL when you apply for an ALL - ADCB Infinite Credit Card.
  • Earn 15,000 Reward points from ALL when you spend AED 30,000 within 90 days from the date the card was issued.
  • Introductory offer: Earn an additional 20,000 reward points if you apply on or before 31st August 2022.

Key Features

  • Welcome bonus Up to 50,000 Reward points, equal to €1,000 in hotel stays at Accor hotels around the world
  • Beach, swimming pool and gym access at select Accor hotels in UAE
  • 50% off all-inclusive access at select Rixos Resorts in UAE
  • Fast track upgrade to Platinum status from ALL
  • Complimentary night on card anniversary at select Accor Luxury hotels in UAE
  • 25% off restaurants at select Accor hotels in UAE
  • 25% discount in Spas at select Accor hotels in UAE
  • Unlimited buy 1 Get 1 free at Caribou coffee
  • Complimentary golf access
  • 20% off 3 Careem rides a month
  • 50% off 3 Careem food & shop orders every month
  • Fraudulent card misuse protection
  • Unlimited complimentary airport lounge access for cardholder + 1 guest
  • Complimentary airport chauffer
  • Global concierge
  • Multi-trip travel insurance
  • Up to 35% off rentals at Avis rent a car
  • VIP refund services at Global Blue Lounges
  • Up to 30% off YQ meet and assist

Reward Features

Earn points everyday

Up to 3 Reward points per $1 spent at participating Accor hotels in the UAE and on your other spends

Spending has never been so rewarding. Accumulate Reward points on all retail purchases when you use your ALL – ADCB Infinite Credit Card.

    • Earn 3 Reward points from ALL on spends at Accor hotels in the UAE
    • Earn up to 3 Reward points from ALL on your international spends
    • Earn up to 1.5 Reward points from ALL on domestic spends

*Purchases on fuel, education, government, real estate, telecommunication, charity and  transportation categories will earn 0.15 Reward points from ALL per USD 1 spent. Purchases at supermarkets, auto dealers, insurance and quick service restaurants earn 0.20 Reward points from ALL per USD 1 spent. International spends at countries in the EU region will earn 0.75 Reward points from ALL per USD 1 spent.

Apply Now

on Abu Dhabi Commercial Bank (ADCB) site

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Dining Offers
  • Purchase Protection
  • Extended Warranty
  • Free for life
  • Dining discounts in UAE

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn 1 reward point for 1 AED you spend on your card domestically
  • Earn 2 reward points on every 1 AED spent internationally
  • Redeem points earned for free flights, shopping vouchers and Club Apparel gift cards
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Enjoy up to 25% discount on select dining outlets across the UAE.
  • Advanced Chip&Pin technology making purchases and withdrawing cash secure
  • Withdraw 100% of your finance limit as cash
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Buy 1 Get 1 at Vox on Standard tickets on Sundays and 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy

Reward Features

ADIB Rewards Program

  • Earn 1 reward point for 1 AED you spend on your card domestically, and earn 2 reward points on every 1 AED spent internationally.
  • Points earned can be used towards airline tickets, shopping mall vouchers and Club Apparel gifts cards.

Things To Be Aware Of

  • Profit rate with salary transfer is 2.99%
  • 5th supplementary card onwards annual fee is AED 250

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1250

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Contactless Tech
  • Roadside Assistance
  • Exclusive discounts at Rotana properties
  • Earn Rotana reward points on all spends
  • Good travel & lifestyle benefits

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1,250

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Up to 50% discount at any Rotana restaurant
  • 20% discount on hotel room bookings via www.rotana.com
  • Free Roadside Assistance
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Free ADIB Travel Desk
  • Access to over 850 airport lounges available worldwide
  • Withdraw 100% of your finance limit as cash
  • Earn Rotana Reward points on all spends
  • Exclusive Visa dining offers
  • USD $500,000 travel accident & inconvenience cover
  • Complimentary Global Concierge service

Reward Features

Rotana Rewards Exclusive Program

  • 1 Rotana Reward Point for every 1 AED spend within UAE
  • 2 Rotana Reward Points for every 1 AED spend in all Rotana properties in the UAE
  • 3 Rotana Reward points for every 1 AED spend Internationally

Things To Be Aware Of

  • All cashback categories have maximum caps
  • 5th supplementary card onwards annual fee is AED 1,250

MINIMUM SALARY

AED 15,000

RATE

3.09%

ANNUAL FEE

AED 1199

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • 100,000 welcome Etisalat Smiles Points
  • Earn Etisalat rewards on all spends
  • Lifestyle benefits - free roadside assistance, valet parking

MINIMUM SALARY

AED 15,000

RATE

3.09%

ANNUAL FEE

AED 1,199

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

100,000 welcome Etisalat Smiles Points

Key Features

  • 100,000 welcome Etisalat Smiles Points equivalent to 38 hours of UAE talk time
  • For non-Self-funded Card earn 6 Etisalat Smiles points for every Dirham spent
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • For Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent
  • Earn 1 Etisalat Smiles points for every Dirham spent on specific merchant transactions
  • Redeem Reward Points for: Etisalat Data or Talk time, Etihad Guest Miles, Airline tickets
  • Free unlimited premium airport lounge access globally for primary cardholder
  • 4 Free Valet Parking at select locations in Abu Dhabi & Dubai
  • Withdraw 100% of your finance limit as cash
  • Free roadside assistance services

Reward Features

Earn Etisalat Smiles Rewards Points

  • For non-Self-funded Card earn 6 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 20 minutes of UAE talk time
  • For Self-funded Cards earn 3 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 10 minutes of UAE talk time
  • Earn 1 Etisalat Smile point for every Dirham spent on - supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, Salik, charities, so every AED 100 spent is 3 minutes of UAE talk time
  • Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.

Things To Be Aware Of

  • Profit rate is 2.99% with salary transfer
  • 5th supplementary card onwards annual fee is AED 1,199

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 999

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • 70,000 welcome Etisalat Smiles Points
  • Earn Etisalat rewards on all spends
  • Free valet parking at select locations

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 999

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

70,000 welcome Etisalat Smiles Points


Key Features

  • 70,000 welcome Etisalat Smiles Points equivalent to 38 hours of UAE talk time
  • For non-Self-funded Card earn 4 Etisalat Smiles points for every Dirham spent
  • For Self-funded Card earn 2 Etisalat Smiles points for every Dirham spent
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • For non-Self-funded cards earn 1 Etisalat Smiles points for every Dirham spent on specific merchant transactions
  • Redeem Reward Points for: Etisalat Data or Talk time, Etihad Guest Miles, Airline tickets
  • Special Etisalat MyPackage Plan for even More points
  • 4 Free Valet Parking at select locations in Abu Dhabi & Dubai
  • Free airport lounge access for primary cardholder
  • Withdraw 100% of your finance limit as cash

Reward Features

Earn Etisalat Smiles Rewards Points

  • For non-Self-funded Card earn 4 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 13 minutes of UAE talk time
  • For non-Self-funded Cards earn 1 Etisalat Smiles points for every Dirham spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities), so every AED 100 spent is 3 minutes of UAE talk time
  • For Self-funded Card earn 2 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 6 minutes of UAE talk time
  • Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.

Things To Be Aware Of

  • Profit rate is 2.99% with salary transfer
  • 5th supplementary card onwards annual fee is AED 999

MINIMUM SALARY

AED 15,000

RATE

3.33%

ANNUAL FEE

AED 1500

  • Golf offers
  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Bonus Skywards Miles
  • Fast track to Emirates Skywards Gold tier membership
  • Complimentary Emirates Home check-in services

MINIMUM SALARY

AED 15,000

RATE

3.33%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / AED 99

Joining Offers

Welcome Offer:

Upto 60,000 bonus Skywards Miles

  • 40,000 welcome bonus Miles
  • 20,000 bonus Skywards Miles (subject to meeting spend thresholds)

Key Features

  • Upto 60,000 bonus Skywards Miles
  • Fast track to Emirates Skywards Gold tier membership
  • Two complimentary Emirates Home check-in services within Dubai
  • Unlimited Airport lounge access globally for primary cardholder via LoungeKey
  • Complimentary airport transfers
  • Exciting travel and lifestyle benefits
  • Valet Parking
  • Complimentary golf for Cardholder
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features

Up to 60,000 bonus Skywards Miles

  • 40,000 welcome bonus Miles
  • 20,000 bonus Skywards Miles (subject to meeting spend thresholds)*
  • Minimum retail spend of AED 50,000 within 6 months from the card issuance date, when you apply for your Emirates Skywards card from 1st April 2020 till 30th April 2020.

Things To Be Aware Of

  • Minimum retail spend of AED 50,000 within 6 months
  • 5th supplementary card onwards annual fee is AED 1500

MINIMUM SALARY

AED 15,000

RATE

2.25%

ANNUAL FEE

AED 158

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Very Low Interest Rate ideal for Balance Transfers
  • Upto AED 150 cashback p.m. on ANY cinema spend in UAE
  • 1,000+ dining and lifestyle discounts via CBI Lifestyle app

MINIMUM SALARY

AED 15,000

RATE

2.25%

ANNUAL FEE

AED 158

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Upto AED 150 cashback on cinema spends every month, any day, any cinema in Dubai and across UAE
  • 50% off cinema tickets at VOX Cinemas across UAE on Sundays (max of 10 free tickets per month)
  • Low reducing balance interest rate of just 2.25% per month
  • Access to over 200 airport restaurant offers globally
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 0% interest on balance transfers for the first 6 months. Best to save money!
  • Free supplementary CBI Visa Platinum Credit cards for family members
  • Cash transfer loan offers at 1% p.m. flat interest rate
  • 1,000+ dining and lifestyle discounts via the CBI Lifestyle app
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • 8% off bookings on hotels.com
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service offer
  • Purchase Protection
  • Extended ​Warranty

Things To Be Aware Of

  • 3 supplementary cards are free, AED 26.25 thereafter

MINIMUM SALARY

AED 15,000

RATE

2.99%

ANNUAL FEE

AED 750

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Roadside Assistance
  • 10% cashback on all dining spend in UAE
  • Extensive travel insurance and protection

MINIMUM SALARY

AED 15,000

RATE

2.99%

ANNUAL FEE

AED 750

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 10% cash back on all dining spend in the UAE
  • 2.5 rewards points for every 1 AED spent
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Complimentary round of Golf once at the Arabian Ranches Golf club. Discounts at 14 clubs in UAE and Muscat
  • Free Roadside Assistance 24/7 across the UAE
  • Valet parking at select locations in the UAE​ (4 per month)
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Advanced Chip&Pin technology making purchases and withdrawing cash secure​​​​​​​​
  • Withdraw 100% of your finance limit as cash
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • 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
  • Screen reader support enabled

Reward Features

ADIB Rewards Program
Earn 2.5 reward points for 1 AED you spend on your card. Points earned can be used towards airline tickets, shopping mall vouchers and Club Apparel gift cards.

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 250
  • Max dining cashback of AED 100 pre transaction & AED 300 p.m

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 1000

  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • 1% unlimited cashback on all spends
  • Free roadside assistance service

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 1,000

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 1% flat Cashback: anywhere – any time
  • Free roadside assistance
  • Withdraw 100% of your finance limit as cash
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Free grace period up to 55 days to repay your outstanding balance
  • Four Free Supplementary cards
  • ADIB Travel Desk benefits
  • 50% off cinema tickets at VOX Cinemas across UAE on Sundays (max of 10 free tickets per month)
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Screen reader support enabled.

Reward Features

1% flat Cashback: anywhere – any time

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 500
  • 5th supplementary card onwards annual fee is AED 1000

MINIMUM SALARY

AED 8,000

RATE

3.00%

ANNUAL FEE

AED 800

  • Golf offers
  • Cinema Tickets
  • Purchase Protection
  • Extended Warranty
  • Covered Card limit up to AED 250,000

MINIMUM SALARY

AED 8,000

RATE

3.00%

ANNUAL FEE

AED 800

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Covered Card limit up to AED 250,000
  • 60% Cash withdrawal limit​​
  • Free Road-Side Assistance
  • Advanced Chip & Pin​ Technology
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 50% off cinema tickets at VOX Cinemas across UAE on Sundays (max of 10 free tickets per month)
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Things To Be Aware Of

  • AED 100 annual fee for supplementary cards

MINIMUM SALARY

AED 12,000

RATE

3.09%

ANNUAL FEE

AED 299

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Flight and hotel booking discounts
  • Travel & lifestyle benefits
  • Earn rewards on all spends & cashback on specific categories

MINIMUM SALARY

AED 12,000

RATE

3.09%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 10% discount on hotels
  • 5% cashback on flights
  • 7% discount on car rentals through rentalcars.com
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • 4% cashback on fuel spends
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Earn 2 Reward Points for every dirham spent internationally
  • Earn 1 Reward Points for every dirham spent domestically
  • Complimentary VIP airport lounge access across 850 lounges worldwide
  • Visa Luxury Hotels Collection offer
  • Complimentary Concierge Services
  • Medical & Travel assistance
  • Multi-Trip Travel insurance with cover up to USD 500,000
  • Purchase protection of up to USD 6,000 per item
  • Extended Warranty of up to 24 months
  • Exclusive dining offers
  • Free Valet Parking (4 times/month)
  • Withdraw 100% of your finance limit as cash
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • 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
  • Screen reader support enabled.

Reward Features

ADIB Rewards Program

  • Earn 2 reward points for every AED 1 international spend
  • Earn 1 reward points for every AED 1 domestic spend

Things To Be Aware Of

  • All cashback categories have maximum caps
  • 5th supplementary card onwards annual fee is AED 299

MINIMUM SALARY

AED 20,000

RATE

3.29%

ANNUAL FEE

AED 2000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • 200,000 sign-up reward points
  • Flight and hotel booking discounts
  • Extensive premium travel & lifestyle benefits
  • Earn rewards on all spends & cashback on specific categories

MINIMUM SALARY

AED 20,000

RATE

3.29%

ANNUAL FEE

AED 2,000

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

200,000 sign-up reward points

Key Features

  • 200,000 sign-up reward points
  • 10% discount on hotels
  • 5% cashback on flights
  • 7% discount on car rentals through rentalcars.com
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • 4% cashback on fuel spends
  • 3 Reward Points for every dirham spent
  • Complimentary rounds with one guest at 3 Clubs in Dubai and Abu Dhabi. Discounts at 14 clubs in UAE and Muscat
  • Complimentary VIP airport lounge access for you and one companion across 850 lounges worldwide
  • Visa Luxury Hotels Collections offers
  • Complimentary Concierge Services
  • Medical & Travel assistance
  • Multi-Trip Travel insurance with cover up to USD 1,000,000
  • Purchase protection of up to USD 6,000 per item
  • Extended Warranty of up to 24 months
  • Exclusive dining offers
  • Free Valet Parking (4 times / month)
  • Withdraw 100% of your finance limit as cash
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • 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

Reward Features

ADIB Rewards Program

  • Earn 3 reward points for every AED 1 domestic or international spend
  • Redeem your points against flight tickets/hotel bookings on Any Airline, Any Hotel Worldwide or Shopping Mall Vouchers or Club Apparel gift cards.

Redemption Value: Every 10,000 points = 50; every 100,000 points = AED 1,000

Shopping mall vouchers
Redeem Reward points against shopping mall vouchers: Sharjah Mega Mall, Dubai Festival City, Abu Dhabi Mall, Sahara Centre - Sharjah

Things To Be Aware Of

  • All cashback categories have maximum caps
  • 5th supplementary card onwards annual fee is AED 2,000

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 1050

  • Golf offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Contactless Tech
  • Air Miles
  • 20% off on flight & hotel bookings
  • Complimentary hotel stay based on spend levels
  • 0% foreign currency transaction fee
  • Earn rewards on all purchases

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

-

Cash Advance Fee

3.15 % / Min 105