Best Credit Card In UAE

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+971

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Life Insurance
  • Contactless Tech
  • Free for life card
  • Exclusive benefits at Ferrari World & Yas Waterworld
  • Earn Etihad Guest Miles on all spends

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn 0.33 Etihad Guest Miles for every USD 1 spent locally
  • Exclusive benefits at Ferrari World and Yas Waterworld
  • Optional credit shield
  • Optional Family Protector Plus life insurance
  • Utility Bill payments
  • Balance Transfer
  • Personal Payment Plan
  • Credit Card loan

Reward Features

  • Earn 0.33 Etihad Guest Miles for every USD 1 spent locally
  • Purchases in the category of Supermarkets, Government Services, Utilities and Education will earn 0.33 Etihad Guest Miles per USD 1

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Life Insurance
  • Contactless Tech
  • Earn Etihad Guest Miles on all spends
  • Exclusive benefits at Ferrari World & Yas Waterworld
  • Free for life card

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn 0.75 Etihad Guest Miles for every USD 1 spent locally
  • Exclusive benefits at Ferrari World and Yas Waterworld
  • Optional credit shield
  • Optional Family Protector plus life insurance
  • Utility Bill payments
  • Balance Transfer
  • Personal Payment Plan
  • Credit Card loan

Reward Features

  • Earn 0.75 Etihad Guest Miles for every USD 1 spent locally
  • Purchases in the category of Supermarkets, Government Services, Utilities and Education will earn 0.33 Etihad Guest Miles per USD 1

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 15,000

RATE

3.25

ANNUAL FEE

AED 1050

  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Life Insurance
  • Up to 25,000 Reward points as joining bonus
  • 50% discount on beach & pool at select Accor hotels in UAE
  • Upgrade to ALL Gold status & VIP guest status
  • Complimentary Airport Chauffer
  • Unlimited complimentary access to over 1000+ airport lounges

MINIMUM SALARY

AED 15,000

RATE

3.25

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / 105 AED

Joining Offers

Up to 25,000 Reward points, equal to €500 in hotel stays at Accor hotels around the world

Enjoy a rewarding welcome bonus on your ALL - ADCB Signature Credit Card. You will receive up to 25,000 Reward points from ALL when you apply and use your ALL - ADCB Signature Credit Card.

  • Earn 7,500 Reward points from ALL when you apply for an ALL - ADCB Signature Credit Card.
  • Earn 7,500 Reward points from ALL when you spend AED 20,000 within 90 days from the date the card was issued.
  • Introductory offer: Earn an additional 10,000 Reward points if you apply on or before 31st August 2022.

Key Features

  • 50% off beach, swimming pool and gym access at select Accor hotels in UAE
  • 35% off all-inclusive access at select Rixos Resorts in UAE
  • Fast track upgrade to Gold status from ALL
  • Complimentary night on card anniversary at select Accor Premium 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
  • Complimentary Airport Chauffer – up to 2 rides a year
  • Multi-Trip Travel Insurance
  • Up to 30% off YQ Meet and Assist

Reward Features

Earn up to 2 Reward points from ALL for every USD1 spent*

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

  • Earn 2 Reward points from ALL on spends at Accor hotels in the UAE
  • Earn up to 2 Reward points from ALL on your international spends

Earn up to 1 Reward point from ALL on domestic spend

*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.

MINIMUM SALARY

AED 6,000

RATE

3.25%

ANNUAL FEE

AED 103.95

  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Life Insurance
  • RTA Nol Card related benefits
  • Exclusive cinema offers
  • Earn up to 5 Plus Points for every AED 400 spent
  • Complimentary life insurance pls refer to more details page
  • Free rides on dubai ferry

MINIMUM SALARY

AED 6,000

RATE

3.25%

ANNUAL FEE

AED 104

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
  • Earn Plus Points rewards on all spends
  • 0% Easy Instalment Plan
  • 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
  • Salik Auto Top Up
  • Bon Appétit - An exclusive dining experience
  • Free rides on Dubai Ferry
  • Discounts on air tickets and holiday packages
  • Complimentary Life Insurance (AED 75,000)
  • International Medical & Travel Assistance
  • Utility Bill Paments
  • SkyShopper-Your online marketplace for deals and discounts
  • Lifestyle Protector Insurance
  • Auto top up facility for Nol top up
  • 8% discount on hotel bookings made at Hotels.com

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 5 Plus Points for every AED 400 spend on weekends.
  • Earn up to 4 Plus Points for every AED 400 spend on RTA.
  • Earn up to 1 Plus Points for every AED 400 spend on weekdays.

Things To Be Aware Of

  • Some benefits require min average 3monthly spend of AED2,000

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 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 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 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 5,000

RATE

3.45%

ANNUAL FEE

AED 400

  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Dining Offers
  • Health & Fitness
  • Life Insurance
  • Contactless Tech
  • Roadside Assistance
  • Joining offer of 15,000 Air Rewards points
  • Complimentary airport pick up & drop off up to 6 times/year
  • Annual Fee waiver 2nd year onwards(if spend criteria met)
  • Roadside assistance and Concierge services

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Joining Bonus -15,000 AirRewards Points Equivalent to a return ticket: A Joining Bonus of 15,000 AirRewards Points will be credited upon payment of Joining Fee and a minimum retail spend of AED 5,000* in first 3 months.

Key Features

  • A Joining Bonus of 15,000 AirRewards Points
  • Annual Fee will be waived from the second year onwards if spend criteria met
  • Complimentary airport pick up & drop off up to 6 times a year
  • Get complimentary return flight ticket once every year against a minimum retail spend of AED15,000
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Complimentary excess baggage and in-flight meal vouchers in Air Arabia flights
  • Cleartrip Airline Discounts up to 30%
  • Car rental offers from Avis
  • Lowest minimum monthly payment of just 3%
  • Complimentary Vehicle Registration with pick up and drop
  • Discounted Chauffeur Rides with Careem
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Privileged discounts on dining and shopping
  • MyUS Premium Shipping Discounts
  • Bicester Village Shopping
  • Reebonz Online Shopping Privileges
  • Special dining offers and privileges at 220 restaurants and outlets across the UAE
  • Travel accident insurance cover up to USD 150,000

Reward Features

AirRewards - Air Arabia's loyalty program

  • 1.75 AirRewards Points for every 5 AED spent at www.airarabia.com
  • 1.25 AirRewards Points for every 5 AED spent within UAE
  • 1.75 AirRewards Points for every 5 AED spent outside UAE
  • 0.30 AirRewards Points for every 5 AED spent under the category of Government Services, Bill Payments (Telecommunication & utility), Real Estate, Car Rentals, Transport and Petrol/Gas Stations.

Things To Be Aware Of

  • Only retail transactions eligible for joining bonus offers
  • The ticket will only cover the base fare

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 5,000

RATE

3.45%

ANNUAL FEE

AED 300

  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Life Insurance
  • Contactless Tech
  • Roadside Assistance
  • Exclusive credit card for FC Barcelona fans!
  • Redeem your RAKBarcaRewards for Barca Merchandise
  • Up to 6 free airport transfers each year
  • Earn additional rewards on sports related spends
  • Barca fans will also get opportunities to travel to Camp Nou

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 300

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min AED 99

Joining Offers

Activate and spend a minimum of AED 3,000 within the first month and get 20,000 Bonus RAKBarçaRewards. Top 100 spenders every month with minimum retail spends of AED 7,500, will get 30,000 Bonus RAKBarçaRewards.

Key Features

  • Experience the Barça spirit live at Camp Nou
  • Activate and spend a minimum of AED 3,000 within the first month and get 20,000 Bonus RAKBarçaRewards
  • Top 100 spenders every month with minimum retail spends of AED 7,500*, will get 30,000 Bonus RAKBarçaRewards
  • Enjoy chauffeured airport pick-up or drop off service 6 times each year in the UAE
  • Lowest minimum monthly payment of just 3%
  • Convert your purchase into a 0% Easy Payment Plan, for 3, 6, 9 or 12 months, at a wide range of participating merchants
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Complimentary access for the cardholder to over 25 airport lounges across destinations
  • Discounts on Avis car rentals (across Europe, Middle East, Africa, Asia, USA and Canada)
  • Exclusive "RAKFoodie" dining discounts across UAE
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Luxury Serviced Hotel Apartment offers
  • Mastercard Priceless Cities offers
  • Mastercard Buy-1-Get-1 offers on leisure, entertainment and more
  • Purchase protection up to 90 days from date of purchase
  • Travel medical insurance cover of up to AED 150,000

Reward Features

Earn RAKBarca Reward Points:

  • Special categories (sports shops, sports lounges, restaurants etc.) earn 1.25 points per AED 1 of domestic spend and 2 points per AED 1 of international spends.
  • Govt services, telecommunications, utilities, real estate, fuel, car rental, transport : earn 0.35 points per AED 1 of spent 
  • All other retail spends : earn 1 point per AED 1 of domestic spend and 1.5 points per AED 1 of international spends.

Things To Be Aware Of

  • Processing fee is applicable for 0% epp offers

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • No Annual Fee ever
  • Rewards redemption not restricted to any specific airline
  • Exclusive Dining & shopping discounts globally
  • Free Roadside Assistance & Concierge Services

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 350,000 standard RAKrewards monthly on all spends
  • Choice of redeeming your Rakrewards against a wide bouqet of services worldwide
  • Enjoy up to 30% quarterly bonus RAKrewards
  • Earn extra RAK rewards on cinema spends
  • No annual fee EVER
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Travel accident insurance cover up to USD 150,000
  • Privileged discounts on dining and shopping
  • Complimentary Buy 1 Get 1 offers in Middle East & Africa
  • Privileged discounts on dining and shopping
  • Car rental offers from AVIS
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Complimentary access to over 25+ lounges in the Middle East, Levant & select locations globally for the cardholder
  • MyUS Premium Shipping Discounts
  • Bicester Village Shopping
  • Reebonz Online Shopping Privileges
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Special dining offers and privileges at 220 restaurants and outlets across the UAE

Reward Features

Earn RAKrewards

Monthly Spend Tier & RAKrewards earned per 1 AED:

  • Up to AED 14,999 - 3 (international), 1.75 (domestic)
  • Above AED 15,000 - 5 (international), 3 (domestic)

Quarterly Spend Tier & bonus RAKrewards rate:

  • AED 15,000 to AED 19,999 - 10% (33,333 max cap)
  • AED 20,000 to AED 24,999 - 20% (75,000 max cap)
  • Above AED 25,000 - 30% (max cap 138,889)

Cinema Reward Offerings

Overall monthly spend             On cinema spend          RAKrewards
AED 5000 and above                     AED 1                           50

 

Maximum RAKrewards monthly cap on cinema spend is 10,000.

Things To Be Aware Of

  • Some categories will earn 0.35 RAKrewards per AED 1 spent

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Dining Offers
  • Health & Fitness
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Exclusive card for business owners and no annual fee ever
  • High Cash advance Limits with 1% cashback on Cash Advance
  • Easy Credit Card Cheque (CCC) facility
  • No minimum spend criteria for earning cashback
  • Additional Business Credit Cards for your key employe

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.45 % / 2%

Key Features

  • Enjoy 1% Cashback* on all domestic and international- retail, internet, cash transactions
  • Additional Business Credit Cards for your key employees
  • Cash Advance of up to 90% of your Credit Limit
  • High Credit limit
  • Easy Credit Card Cheque (CCC) facility
  • No annual fee EVER!
  • Low interest rate on outstanding Retail Purchases
  • Enjoy great dinning offers from RAKfeast!
  • Premium Travel Benefits from MasterCard®
  • Premium Lifestyle privileges
  • Exclusive covers and discounts on premium rates on Office and Business insurance plans
  • Purchase Protection up to 30 days from date of purchase
  • Travel accident insurance cover up to USD 150,000
  • Unlimited airport lounge access at Dubai, Abu Dhabi, Cairo, Ku

Reward Features

Enjoy 1% Cashback* on all domestic and international retail, internet, cash transactions 

Note: Maximum Cashback is AED 1,000 per month.      

All spends under the category of Bill Payments (Telecommunication & utility), Government services, Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.

Things To Be Aware Of

  • Max cashback on all spends is AED 1,000 p.m

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • Free for first year
  • Excellent cashback benefits on Domestic & Int. spends
  • 50% off at VOX cinema tickets
  • Free Delivery of Fuel by CAFU at your doorstep
  • Free Travel Accident & Medical Cover

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 10% cashback on travel & supermarket spends
  • Enjoy 50% cashback on movie tickets at cinemas worldwide
  • Earn up to 5% cashback on all international spends & up to 3% cashback on domestic spends
  • Complimentary lounge access for yourself and a guest to 850+ airport lounges globally
  • Upto 4 discounted tickets at VOX at 50% off
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Free Delivery of Fuel by CAFU at your doorstep
  • Complimentary airport pick up or drop 6 times a year in UAE or 3 times in India
  • Travel accident & medical cover up to USD 500,000
  • Fairmont, Raffles, and Swissotel Spa Offers
  • SPG Hotel and Resorts Offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • Mastercard Priceless Cities offers
  • Exclusive dining offers at leading restaurants
  • MyUS Premium Shipping Discounts
  • Exclusive Avis & Hertz Car rental offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Complimentary Hotel Nights at Starwood Hotels & Resorts
  • Luxury Serviced Apartment discounts
  • Discounted Chauffeur Rides with Careem
  • 24 hours roadside assistance

Reward Features

Earn Cashback on all spends

Monthly spend tier AED 15,000 to AED 19,999 earn cashback on:

Travel - 5% (max AED 300)

Supermarkets - 5% (max AED 200)


For monthly spend above AED 20,000 earn cashback on:

Travel - 10% (max AED 600)

Supermarkets - 10% (max AED 400)


Monthly Spend Tier & Cashback earned:

Up to AED 14,999 - 3% (international), 1% (domestic)

AED 14,999 to 29,999 - 4% (international), 2% (domestic)

Above AED 30,000 - 5% (international), 3% (domestic)

Things To Be Aware Of

  • Some categories will earn 0.25% cashback/AED spent
  • All cashback categories have maximum caps
  • Additional supplementary card is charged @ AED 200

Best Credit Cards with Life insurance Benefits

There are a few credit cards in the UAE which offer free Life insurance cover as value adding feature on their credit cards. While one you should not entirely depend on this because the cover may not be sufficient or exhaustive, it is always recommended one does a complete evaluation on their insurance needs and work with a qualified insurance advisor to avail a comprehensive life insurance cover. RAK bank, ENBD bank are a few banks which offer complimentary life insurance as part of their benefits on some of their best credit cards in the UAE.