MINIMUM SALARY
AED 5,000
RATE
3.99%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.99%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.61
Cash Advance Fee
3.15 % AED 157.5
Key Features
Reward Features
Get 20,000 bonus FAB Rewards a month
Enjoy monthly FAB Rewards bonuses of 20,000 FAB Rewards if you spend AED 10,000 or more each month.
Receive 5 FAB Rewards on your online spending
Keep shopping online - each time you use your FAB Rewards Indulge Card for online purchases, you’ll receive 5 FAB Rewards for every AED 1 spent.
Earn 1 FAB Reward on all other spending including abroad
There are more rewards for you. Get 1 FAB Reward* for each AED 1 spent on all other spending in the UAE and aboard (including non-AED currencies).
Use your FAB Rewards for cashback and much more
FAB’s exclusive loyalty programme, FAB Rewards gives you several rewards across your banking. Redeem rewards on retail, dining, cashback, miles and entertainment. Manage your rewards quickly and easily through the FAB Mobile app.
FAB Rewards earning is capped at 50,000 FAB Rewards per month.
*Selected categories will earn 0.5 FAB Rewards per AED 1 spent
*Supermarkets, telecom, fuel, education, government, charities, transport, rental, insurance and fast-food spending will earn 0.5 FAB Reward for every AED 1 spent.
on First Abu Dhabi Bank (FAB) site
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99
Cash Advance Fee
3.15
Joining Offers
Get a welcome bonus* of AED 500 when you spend AED 5,000 on the card in the first two months.
*Applicable only for new to bank customers.
Key Features
Reward Features
on Emirates NBD site
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
Get up to AED 800 cashback. Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.
The campaign is open to all new and existing HSBC customers who apply and receive approval for a new primary credit card and who do not have a primary credit card at the time of application and had not had one during the 6 months prior to applying.
Key Features
Reward Features
Earn Cashback on ALL spends:
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.
on HSBC site
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min AED 99
Key Features
Reward Features
The Citi Simplicity card does not include any sort of rewards program. While it is certainly a great option for paying down debt.
Things To Be Aware Of
on Citibank site
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Joining Offers
0% balance transfer with no processing fees.
Key Features
Reward Features
Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / AED 131.25
Joining Offers
Limited Time Offer - Welcome bonus of AED 500 as cashback points!*
*To be eligible for the bonus cashback points a minimum retail spend of AED 15,000 in 60 days of card open date is required. The cashback points will be credited to your EI Rewards account within 90 days of campaign end date i.e. latest by 31 December 2024.
Key Features
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
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.90%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
Key Features
Reward Features
Unlimited, Automatic Cashback on all Spend
3% cashback on all non-AED spend
2% cashback on all grocery/supermarket spend
1% on all other spend
No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded.
Things To Be Aware Of
on Citibank site
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Emaar Upoints
MINIMUM SALARY
AED 10,000
RATE
3.69
ANNUAL FEE
AED 630
MINIMUM SALARY
AED 10,000
RATE
3.69
ANNUAL FEE
AED 630
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.
Key Features
Reward Features
on HSBC site
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
Key Features
Reward Features
Earn 1.5 ThankYou® Points per USD on all grocery & non-AED spend and 1 ThankYou® Point per USD of AED spend
With your ThankYou® Points you have the flexibility to redeem for cash rebates, merchandise, gift vouchers and many other rewarding experiences
-- Choose from merchandise ranging from apparel to electronics to home goods and more
- Pay with Points for your purchases through SMS or Citibank Online
on Citibank site
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
You can benefit from the offers above after a minimum spend of AED 1,250 on your du Titanium Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / AED 210
Joining Offers
Joining bonus offer of AED 500 on Cashback card, AED 500 on Platinum Elite card and AED 2,000 on Solitaire card Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.
Cashback that will be credited subject to customer spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, customer has to be spend AED 4,500 by 31st August to get the Joining Bonus.
Key Features
Reward Features
Unlimited Cashback on all spend
The cashback will be calculated on your statement date. For example: For customers with a statement date (billing cycle) on the 23rd - Spends posted between 23rd and 22nd of every month will be considered.
The cashback can be redeemed on achievement of a minimum of AED 100/- as cashback balance.
To redeem your cashback: - Visit Mashreq Online Banking on mashreq.com for online redemption, or - Call the Direct Banking Center at 04-4244444 and place a request for the same. The cashback will be credited within a maximum of 3 working days into the Cashback Credit Card account.
the cashback earned has a maximum validity of 18 months from the date of earning. If the cashback is not redeemed within this period, it will be expired.
20% cashback for the first 6 months at Zomato, Netflix, Careem, Noon, UberEats, iTunes, Uber, Du, Talabat, Amazon Prime & Etisalat
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.85%
ANNUAL FEE
AED 999
MINIMUM SALARY
AED 12,000
RATE
3.85%
ANNUAL FEE
AED 999
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / AED 105
Joining Offers
Promotion validity: 1 January 2024 to 31 March 2024. (Offer is valid for cards issued between the above dates)
Key Features
Reward Features
Earn Smiles points on every AED spent:
Redeem Smiles points:
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED AED 0
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
Key Features
Reward Features
The Total Monthly Spend Tiers for ENOC/EPPCO Service Station Spends and Other Spends are categorized as follows:
- For spends between AED 0 to AED 2,499, customers receive 3% back (equivalent to 3 Yes Rewards) per 1AED spend, with a maximum cap per month of AED 75 (7,500 Yes Rewards). Additionally, they can earn up to 1% back (up to 1 Yes Reward Point) on other spends within this tier.
- For spends between AED 2,500 to AED 9,999, customers receive 10% back (equivalent to 10 Yes Rewards) per 1AED spend, with a maximum cap per month of AED 125 (12,500 Yes Rewards).
- For spends exceeding AED 10,000, customers receive 15% back (equivalent to 15 Yes Rewards) per 1A
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.25
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99
Cash Advance Fee
3 % AED 99
Key Features
Reward Features
Choose the reward points you want to earn (Cashback, Skywards Miles) and the things you want to earn bonus rewards for (groceries, food deliveries, online shopping, travel or something else?).
The Liv. Cashback and Cashback plus credit card is tailored for individuals with dynamic, on-the-go lifestyles, offering the ability to earn Skywards Miles with every purchase. Cardholders can choose four spending categories—such as international spending, travel, online shopping, dining, and more—where they will earn "booster" Skywards Miles in addition to base Miles.
The Miles accumulation structure is tiered based on monthly spending:
This structure allows cardholders to maximize their Skywards Miles by focusing their spending in categories that matter most to them, particularly when they exceed certain spending thresholds.
MINIMUM SALARY
AED 10,000
RATE
2.99%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 10,000
RATE
2.99%
ANNUAL FEE
AED 750
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.15% / Min 105
Key Features
Reward Features
Earn UAB Cashback:
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
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
Reward Features
Earn 360° Reward Points on all spends on your Standard Chartered Manhattan Platinum Credit Card
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 0
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
Reward Features
Earn Reward Points
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Receive 10,000 bonus TouchPoints when you spend AED 10,000 each month
Key Features
Reward Features
Earn Touchpoints
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 300
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 300
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
AED 800 cashback bonus when you spend AED 5000 or above in the first 60 days. Get an AED 500 joining bonus when you spend AED 5,000 or more, or an AED 800 bonus when you spend AED 8,000 or more, within the first 60 days of card issuance.
Key Features
Reward Features
Supermarket Spending (Including Online)
Cashback :5%
FAB Rewards : 17 FAB Rewards per AED 1 spent
Fashion
Cashback : 5%
FAB Rewards : 17 FAB Rewards per AED 1 spent
Dining
Cashback : 5%
FAB Rewards :17 FAB Rewards per AED 1 spent
All Other Spending (Excluding Select Categories)
Cashback : 1%
FAB Rewards :3.5 FAB Rewards per AED 1 spent
Select Categories
Cashback : 0.15%
FAB Rewards : 0.5 FAB Rewards per AED 1 spent
Non-AED Spending
Cashback : 3%
FAB Rewards :10 FAB Rewards per AED 1 spent
Cashback is capped at AED 200 each on dining out, fashion shopping and grocery shopping.
Overall cap of AED 1,000 per month across all categories.
Cashback will be processed in equivalent FAB Rewards, redeemable instantly on the FAB Mobile app.
Things To Be Aware Of
on First Abu Dhabi Bank (FAB) site
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 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 200 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
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 40,000
RATE
2.79
ANNUAL FEE
AED 1,500
MINIMUM SALARY
AED 40,000
RATE
2.79
ANNUAL FEE
AED 1
Non AED Transaction Fee
3.15%
Cash Advance Fee
3.15 % / or AED 105
Key Features
Reward Features
Indulge in exclusive experiences with unlimited cashback when you use your UAB World Mastercard Credit Card. Maximise your cashback by shopping across categories and brands at all local and international retail chains.
MINIMUM SALARY
AED 5,000
RATE
3.00%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.00%
ANNUAL FEE
AED 0
Non AED Transaction Fee
0.00%
Cash Advance Fee
3.00 % / AED 200
Key Features
Reward Features
Reward yourself when you spend on your Islamic Finance House Mastercard Gold Covered Card:
3D Secure
Be assured that you are protected from any cyber theft or fraud when using your covered card online.
With encrypted One Time Passwords sent to your registered mobile phone for your online transactions, no one but you, yourself can authorize the debit of your card.
Credit Shield (Takaful) Insurance
Credit Shield (Takaful) insurance covers your card outstanding balance in the unfortunate event of Death and Total Permanent disability.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 0
Non AED Transaction Fee
-
Cash Advance Fee
3.00 % / AED 200
Key Features
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
2.45%
ANNUAL FEE
AED 1499
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
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
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
arn excellent Cashback rates on Standard Chartered Platinum X Credit Card:
Supermakets spends, utility spends and education:
Upto 10% on online, foreign currency and mobile wallets.
Cashback points are valid for 12 months.
Value of a point is 1 AED
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback on all spends
If your Cashback on Supermarket, Dining and Cinemas exceed the monthly maximum Cashback cap for these categories, then the excess spend amount in these categories will earn you Cashback at standard Cashback rates.
Monthly Spend Tier & Cashback on all other spends:
Standard Cashback*
In addition to the above you will earn up to 2% Cashback on your Domestic & International Retail Purchase Transactions, Internet Transactions and International Cash Advances
Max cashback payable across all categories = 1,500 p.m
*Effective April 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Health & Beauty, Club Membership, Computer Services, Automobiles & Vehicles and Insurance Services will earn 0.25% cashback for every AED 1 spent.
*Effective May 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.25% cashback for every AED 1 spent.
The minimum threshold to redeem cashback for the Titanium card is AED 500.
Transactions made through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs, ATM’s, Branches or any other RAKBANK payment channels will not be eligible for any cashback/rewards.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Key Features
Reward Features
Earn Cashback
Receive 1.5% cash back on all purchases. Monthly purchases of at least AED 1,000 required
Maximum monthly cash back is AED 1,000
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Key Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback
All spends under the category of Bill Payments (Telecommunication & utility), Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.50%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn RAKrewards
Monthly Spend Tier & RAKrewards earned per 1 AED:
Monthly Spend Tier & RAKrewards per 1 AED on Fuel:
Monthly Spend Tier & RAKrewards per 1 AED on Cinema:
Above AED 5,000 - 50
Redeem online, anytime against flights, hotels and range of products and services.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
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
Key Features
Reward Features
Earn excellent Cashback rates on Standard Chartered Platinum X Credit Card:
Supermakets spends, utility spends and education:
Upto 10% on online, foreign currency and mobile wallets.
Cashback points are valid for 12 months.
Value of a point is 1 AED
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 0
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
Reward Features
ADIB Rewards Program
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Enjoy a Welcome Bonus of AED 500 as talabat credit when you sign up for the card.
Important note:
Key Features
Reward Features
Earn talabat credit every time you spend using the card as per below:
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 0
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
Reward Features
ADIB Rewards Program
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Annual Fees for primary credit cardholders will be waived if retail spends of the preceding 12 months exceeds AED 9,000 or equivalent.
Key Features
Reward Features
2% cashback on international spends (in non-AED currency) • 2% cashback on Airline* spends • 1% cashback** on all domestic spends (in AED currency).
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 0
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
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
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 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 200 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
Reward Features
Earn EI SmartMiles
Earn unlimited miles and redeem with no blackout dates:
MINIMUM SALARY
AED 6,000
RATE
3.25%
ANNUAL FEE
AED 103.95
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
Reward Features
Earn Plus Points rewards
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / or AED 150
Joining Offers
Apply for a Blue FAB Platinum Credit Card on the FAB Mobile app and receive up to AED 500 cashback in the form of Al-Futtaim FAB Rewards. Spend AED 5,000 or more in the first 60 days of card issuance to qualify for your cashback bonus. Offer valid until 14 June 2023. First Year introductory rate of 2.08% per month
Key Features
Reward Features
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 400
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
Reward Features
AirRewards - Air Arabia's loyalty program
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
ANNUAL FEE
AED 0
Non AED Transaction Fee
0
Cash Advance Fee
0
Joining Offers
Key Features
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 209
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 209
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / AED 105
Joining Offers
Key Features
Reward Features
5 Smiles points on all Etisalat channels, Smiles app and elGrocer spends (Monthly cap of 10,000 Smiles points)
Redeem Smiles points:
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
AED 475 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
AED 475 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
-/-
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 20,000
RATE
3.25%
ANNUAL FEE
AED 0
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
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
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 735
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
1) Welcome Miles Bonus Category: 30,000 skywards miles
Upon payment of the Annual Membership Fee of AED 700 and joining fee of AED 550.
2) Cummulative retail spends ( within 6 months): 20,000 skywards miles
Spend a minimum of AED 30,000 within 6 months
3) Spend with Emirates Airlines ( within 6 months) : 10,000 skywards miles
Spend a minimum of AED 10,000 withing 6 months
Overall an ability to earn upto 60,000 bonus skywards miles!
Key Features
Reward Features
Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn LuluPoints
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Touchpoints Per 1 AED spend
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.99%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.99%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.61
Cash Advance Fee
3.15 % AED 157.5
Key Features
Reward Features
Get 20,000 bonus FAB Rewards a month
Enjoy monthly FAB Rewards bonuses of 20,000 FAB Rewards if you spend AED 10,000 or more each month.
Receive 5 FAB Rewards on your online spending
Keep shopping online - each time you use your FAB Rewards Indulge Card for online purchases, you’ll receive 5 FAB Rewards for every AED 1 spent.
Earn 1 FAB Reward on all other spending including abroad
There are more rewards for you. Get 1 FAB Reward* for each AED 1 spent on all other spending in the UAE and aboard (including non-AED currencies).
Use your FAB Rewards for cashback and much more
FAB’s exclusive loyalty programme, FAB Rewards gives you several rewards across your banking. Redeem rewards on retail, dining, cashback, miles and entertainment. Manage your rewards quickly and easily through the FAB Mobile app.
FAB Rewards earning is capped at 50,000 FAB Rewards per month.
*Selected categories will earn 0.5 FAB Rewards per AED 1 spent
*Supermarkets, telecom, fuel, education, government, charities, transport, rental, insurance and fast-food spending will earn 0.5 FAB Reward for every AED 1 spent.
on First Abu Dhabi Bank (FAB) site
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED AED 0
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
Key Features
Reward Features
The Total Monthly Spend Tiers for ENOC/EPPCO Service Station Spends and Other Spends are categorized as follows:
- For spends between AED 0 to AED 2,499, customers receive 3% back (equivalent to 3 Yes Rewards) per 1AED spend, with a maximum cap per month of AED 75 (7,500 Yes Rewards). Additionally, they can earn up to 1% back (up to 1 Yes Reward Point) on other spends within this tier.
- For spends between AED 2,500 to AED 9,999, customers receive 10% back (equivalent to 10 Yes Rewards) per 1AED spend, with a maximum cap per month of AED 125 (12,500 Yes Rewards).
- For spends exceeding AED 10,000, customers receive 15% back (equivalent to 15 Yes Rewards) per 1A
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
Get up to AED 800 cashback. Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.
The campaign is open to all new and existing HSBC customers who apply and receive approval for a new primary credit card and who do not have a primary credit card at the time of application and had not had one during the 6 months prior to applying.
Key Features
Reward Features
Earn Cashback on ALL spends:
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.
on HSBC site
MINIMUM SALARY
AED 30,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Cashback
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
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Cashback for spends at Aswaaq stores
Monthly amt spent at Aswaaq & cashback earned
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn FlySmiLes
Earn 1 FlySmiLe for every US Dollar spent.
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Cashback
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
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Cashback
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
MINIMUM SALARY
AED 7,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Cashback (subject to minimum overall spend of AED 2,000 per month) :
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / Min 210
Key Features
Reward Features
Earn Cashback
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / AED 210
Joining Offers
Joining bonus offer of AED 500 on Cashback card, AED 500 on Platinum Elite card and AED 2,000 on Solitaire card Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.
Cashback that will be credited subject to customer spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, customer has to be spend AED 4,500 by 31st August to get the Joining Bonus.
Key Features
Reward Features
Unlimited Cashback on all spend
The cashback will be calculated on your statement date. For example: For customers with a statement date (billing cycle) on the 23rd - Spends posted between 23rd and 22nd of every month will be considered.
The cashback can be redeemed on achievement of a minimum of AED 100/- as cashback balance.
To redeem your cashback: - Visit Mashreq Online Banking on mashreq.com for online redemption, or - Call the Direct Banking Center at 04-4244444 and place a request for the same. The cashback will be credited within a maximum of 3 working days into the Cashback Credit Card account.
the cashback earned has a maximum validity of 18 months from the date of earning. If the cashback is not redeemed within this period, it will be expired.
20% cashback for the first 6 months at Zomato, Netflix, Careem, Noon, UberEats, iTunes, Uber, Du, Talabat, Amazon Prime & Etisalat
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99
Cash Advance Fee
3 % AED 99
Key Features
Reward Features
Choose the reward points you want to earn (Cashback, Skywards Miles) and the things you want to earn bonus rewards for (groceries, food deliveries, online shopping, travel or something else?).
The Liv. Cashback and Cashback plus credit card is tailored for individuals with dynamic, on-the-go lifestyles, offering the ability to earn Skywards Miles with every purchase. Cardholders can choose four spending categories—such as international spending, travel, online shopping, dining, and more—where they will earn "booster" Skywards Miles in addition to base Miles.
The Miles accumulation structure is tiered based on monthly spending:
This structure allows cardholders to maximize their Skywards Miles by focusing their spending in categories that matter most to them, particularly when they exceed certain spending thresholds.
MINIMUM SALARY
AED 10,000
RATE
3.69
ANNUAL FEE
AED 630
MINIMUM SALARY
AED 10,000
RATE
3.69
ANNUAL FEE
AED 630
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.
Key Features
Reward Features
on HSBC site
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 0
Non AED Transaction Fee
-
Cash Advance Fee
3.00 % / AED 200
Key Features
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
2.45%
ANNUAL FEE
AED 1499
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
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
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.85%
Cash Advance Fee
3.50 % / AED 200
Key Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.00%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.00%
ANNUAL FEE
AED 0
Non AED Transaction Fee
0.00%
Cash Advance Fee
3.00 % / AED 200
Key Features
Reward Features
Reward yourself when you spend on your Islamic Finance House Mastercard Gold Covered Card:
3D Secure
Be assured that you are protected from any cyber theft or fraud when using your covered card online.
With encrypted One Time Passwords sent to your registered mobile phone for your online transactions, no one but you, yourself can authorize the debit of your card.
Credit Shield (Takaful) Insurance
Credit Shield (Takaful) insurance covers your card outstanding balance in the unfortunate event of Death and Total Permanent disability.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.85%
Cash Advance Fee
3.00 % / AED 200
Key Features
Reward Features
Earn up to 50% Cashback and an instant AED 400 on each successful referral!
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.75%
ANNUAL FEE
AED 1500
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
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:
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
ANNUAL FEE
AED 0
Non AED Transaction Fee
0
Cash Advance Fee
0
Joining Offers
Key Features
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.99%
ANNUAL FEE
AED 399
MINIMUM SALARY
AED 8,000
RATE
3.99%
ANNUAL FEE
AED 399
Non AED Transaction Fee
2.61
Cash Advance Fee
3.15 % AED 157.5
Key Features
Reward Features
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
You can benefit from the offers above after a minimum spend of AED 1,250 on your du Titanium Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.75%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.75%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
You can benefit from the offers above after a minimum spend of AED 2,500 on your du Platinum Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 400
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
Reward Features
AirRewards - Air Arabia's loyalty program
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
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
Reward Features
Earn RAKrewards
Monthly Spend Tier & RAKrewards earned per 1 AED:
Quarterly Spend Tier & bonus RAKrewards rate:
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
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / or AED 150
Joining Offers
Apply for a Blue FAB Platinum Credit Card on the FAB Mobile app and receive up to AED 500 cashback in the form of Al-Futtaim FAB Rewards. Spend AED 5,000 or more in the first 60 days of card issuance to qualify for your cashback bonus. Offer valid until 14 June 2023. First Year introductory rate of 2.08% per month
Key Features
Reward Features
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Key Features
Reward Features
Earn Reward points When you spend AED 1,000 or more per month. Transfer your Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as to hotel loyalty programmes. Enjoy a seamless purchase experience. Instantly pay for your next purchase with your Rewards Points, directly.
Things To Be Aware Of
MINIMUM SALARY
AED 40,000
RATE
2.79
ANNUAL FEE
AED 1,500
MINIMUM SALARY
AED 40,000
RATE
2.79
ANNUAL FEE
AED 1
Non AED Transaction Fee
3.15%
Cash Advance Fee
3.15 % / or AED 105
Key Features
Reward Features
Indulge in exclusive experiences with unlimited cashback when you use your UAB World Mastercard Credit Card. Maximise your cashback by shopping across categories and brands at all local and international retail chains.
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 5000
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 5,000
Non AED Transaction Fee
3.15
Cash Advance Fee
3.15% / Min 105
Key Features
Reward Features
Earn Cashback
There are no Monthly cap
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
2.99%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 10,000
RATE
2.99%
ANNUAL FEE
AED 750
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.15% / Min 105
Key Features
Reward Features
Earn UAB Cashback:
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Joining Bonus of up to AED 500 worth of UNBmiles
Key Features
Reward Features
Earn UNBmiles
4% value back on spend as UNBmiles at Joyalukkas Jewelers, Eros Electronics and Musafir.com, and 1% value back as UNBmiles on all other retail spend with no caps.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Joining Bonus of up to AED 500 worth of UNBmiles
Key Features
Reward Features
Earn UNBmiles on all spends
Things To Be Aware Of
MINIMUM SALARY
AED 18,000
RATE
3.19%
ANNUAL FEE
AED 0
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
Reward Features
Earn Cashback
Earn 1.5% cashback on your total spend
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn UNBmiles
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn 1 Egypt Air reward point for every 1 AED you spend.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn Rewards
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn Cashback:
Conditions: You need to spend at least AED 500 per month to earn cashback. Maximum cashback amount is AED 4,800 per year.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
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
Key Features
Reward Features
Earn excellent Cashback rates on Standard Chartered Platinum X Credit Card:
Supermakets spends, utility spends and education:
Upto 10% on online, foreign currency and mobile wallets.
Cashback points are valid for 12 months.
Value of a point is 1 AED
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Annual Fees for primary credit cardholders will be waived if retail spends of the preceding 12 months exceeds AED 9,000 or equivalent.
Key Features
Reward Features
2% cashback on international spends (in non-AED currency) • 2% cashback on Airline* spends • 1% cashback** on all domestic spends (in AED currency).
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Goldback
Monthly Spend Tier & Goldback% on International spends:
Monthly Spend Tier & Goldback% on Domestic spends:
Other conditions:
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
arn excellent Cashback rates on Standard Chartered Platinum X Credit Card:
Supermakets spends, utility spends and education:
Upto 10% on online, foreign currency and mobile wallets.
Cashback points are valid for 12 months.
Value of a point is 1 AED
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
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
Reward Features
Earn 360° Reward Points on all spends on your Standard Chartered Manhattan Platinum Credit Card
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Key Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Key Features
Reward Features
Earn Cashback
Receive 1.5% cash back on all purchases. Monthly purchases of at least AED 1,000 required
Maximum monthly cash back is AED 1,000
Things To Be Aware Of
MINIMUM SALARY
AED 20,000
RATE
3.25%
ANNUAL FEE
AED 0
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
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
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback on all spends
If your Cashback on Supermarket, Dining and Cinemas exceed the monthly maximum Cashback cap for these categories, then the excess spend amount in these categories will earn you Cashback at standard Cashback rates.
Monthly Spend Tier & Cashback on all other spends:
Standard Cashback*
In addition to the above you will earn up to 2% Cashback on your Domestic & International Retail Purchase Transactions, Internet Transactions and International Cash Advances
Max cashback payable across all categories = 1,500 p.m
*Effective April 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Health & Beauty, Club Membership, Computer Services, Automobiles & Vehicles and Insurance Services will earn 0.25% cashback for every AED 1 spent.
*Effective May 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.25% cashback for every AED 1 spent.
The minimum threshold to redeem cashback for the Titanium card is AED 500.
Transactions made through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs, ATM’s, Branches or any other RAKBANK payment channels will not be eligible for any cashback/rewards.
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
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
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
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Get discounts on all spends
Monthly Spend Tier & Discount earned:
Max. discount Cap of AED 300 per month.
Government spend, utilities, telecom, real estate and fuel will earn 0.25% discount per 1 AED spent
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.50%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn RAKrewards
Monthly Spend Tier & RAKrewards earned per 1 AED:
Monthly Spend Tier & RAKrewards per 1 AED on Fuel:
Monthly Spend Tier & RAKrewards per 1 AED on Cinema:
Above AED 5,000 - 50
Redeem online, anytime against flights, hotels and range of products and services.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback
All spends under the category of Bill Payments (Telecommunication & utility), Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 300
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 300
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
AED 800 cashback bonus when you spend AED 5000 or above in the first 60 days. Get an AED 500 joining bonus when you spend AED 5,000 or more, or an AED 800 bonus when you spend AED 8,000 or more, within the first 60 days of card issuance.
Key Features
Reward Features
Supermarket Spending (Including Online)
Cashback :5%
FAB Rewards : 17 FAB Rewards per AED 1 spent
Fashion
Cashback : 5%
FAB Rewards : 17 FAB Rewards per AED 1 spent
Dining
Cashback : 5%
FAB Rewards :17 FAB Rewards per AED 1 spent
All Other Spending (Excluding Select Categories)
Cashback : 1%
FAB Rewards :3.5 FAB Rewards per AED 1 spent
Select Categories
Cashback : 0.15%
FAB Rewards : 0.5 FAB Rewards per AED 1 spent
Non-AED Spending
Cashback : 3%
FAB Rewards :10 FAB Rewards per AED 1 spent
Cashback is capped at AED 200 each on dining out, fashion shopping and grocery shopping.
Overall cap of AED 1,000 per month across all categories.
Cashback will be processed in equivalent FAB Rewards, redeemable instantly on the FAB Mobile app.
Things To Be Aware Of
on First Abu Dhabi Bank (FAB) site
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn LuluPoints
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn LuluPoints
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 0
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
Reward Features
Earn Reward Points
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
First year free. Continue saving on this fee if your yearly spend is AED 12,000 or more
Key Features
Reward Features
Earn Miles Up:
Minimum spend required to earn Miles Up on the Titanium Miles Up Credit Card is aed 1000.
The maximum Miles Up that the Customer can earn per billing cycle for all retail spend 50,000 Miles Up.
The Customer must have 10,000 Miles Up to be able to redeem their Miles Up for Rewards
Option of redeeming Miles Up against flights or hotel bookings, buying electronics or against gift vouchers listed on the Deem rewards online portal.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
First year free and continue saving on Annual fee if your spend is greater than AED 2000 in a year.
Key Features
Reward Features
Earn Cash Up:
Spend & Cash Up Tiers:
Dept Sores:
Utilities & Govt Services:
Fuel:
All Spend - 3%
All other Retail Purchases: 0.5%
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Free for life card.
Key Features
Reward Features
Earn Cash up:
Spend & Cash Up Tiers:
Dept Sores
Online shopping
Entertainment
All other Retail Purchses: 1%
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min AED 99
Key Features
Reward Features
The Citi Simplicity card does not include any sort of rewards program. While it is certainly a great option for paying down debt.
Things To Be Aware Of
on Citibank site
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
Key Features
Reward Features
Earn 1.5 ThankYou® Points per USD on all grocery & non-AED spend and 1 ThankYou® Point per USD of AED spend
With your ThankYou® Points you have the flexibility to redeem for cash rebates, merchandise, gift vouchers and many other rewarding experiences
-- Choose from merchandise ranging from apparel to electronics to home goods and more
- Pay with Points for your purchases through SMS or Citibank Online
on Citibank site
MINIMUM SALARY
AED 15,000
RATE
3.5%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 15,000
RATE
3.5%
ANNUAL FEE
AED 750
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Apply for a Citi Premier Credit Card and get up AED 350 welcome offer as a statement credit.
Citibank Terms & Conditions apply.
Key Features
Reward Features
Earn 3 ThankYou(R) Points per USD on all dining & fuel spend, Earn 2 ThankYou® Points per USD on non-AED spend spent and 1.5 ThankYou® Points per USD on local (AED) spend
With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences
- Transfer your ThankYou® Points to 12 airline and hotel partners for flights and hotel stays
- Redeem points for cash rebates or shopping vouchers
AED 500 can be offset with 15,000 ThankYou® Points for any travel-related purchase, No limitation
on Citibank site
MINIMUM SALARY
AED 12,000
RATE
3.5%
ANNUAL FEE
AED 400
MINIMUM SALARY
AED 12,000
RATE
3.5%
ANNUAL FEE
AED 400
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Emirates Skyward Miles on your Citi Emirates World Card
Earn 1 Skywards Mile per USD on non AED spend and 0.75 Skywards Miles per USD on AED spend.
Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai
Things To Be Aware Of
on Citibank site
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.90%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
Key Features
Reward Features
Unlimited, Automatic Cashback on all Spend
3% cashback on all non-AED spend
2% cashback on all grocery/supermarket spend
1% on all other spend
No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded.
Things To Be Aware Of
on Citibank site
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn CBI Reward Points on all spends on your CBI Rewards Platinum Mastercard
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Things To Be Aware Of
MINIMUM SALARY
AED 50,000
RATE
2.99%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 50,000
RATE
2.99%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn CBI Reward Points on all spends on your CBI Rewards World Mastercard:
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.85%
ANNUAL FEE
AED 999
MINIMUM SALARY
AED 12,000
RATE
3.85%
ANNUAL FEE
AED 999
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / AED 105
Joining Offers
Promotion validity: 1 January 2024 to 31 March 2024. (Offer is valid for cards issued between the above dates)
Key Features
Reward Features
Earn Smiles points on every AED spent:
Redeem Smiles points:
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
AED 195 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
AED 195 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
-/-
Key Features
Reward Features
Earn Wala'a Dirhams Earn 0.5% on all retail spends. Redeem Wala'a Dirhams for flight tickets, bill payments and more.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 209
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 209
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / AED 105
Joining Offers
Key Features
Reward Features
5 Smiles points on all Etisalat channels, Smiles app and elGrocer spends (Monthly cap of 10,000 Smiles points)
Redeem Smiles points:
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 0
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
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
Apply through CBD mobile App
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 0
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
Reward Features
ADIB Rewards Program
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 0
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
Reward Features
ADIB Rewards Program
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 0
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
Joining Offers
Welcome Offer
Welcome bonus 5,000 Etisalat Reward points(equivalent to more than 2.5 hours of UAE talk time).
Key Features
Reward Features
Earn Etisalat Smiles Rewards Points
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Welcome bonus of 10,000 Etihad Guest Miles
Key Features
Reward Features
Earn Etihad Guest Miles
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Key Features
Reward Features
Earn Touchpoints Per 1 AED spend
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Receive 10,000 bonus TouchPoints when you spend AED 10,000 each month
Key Features
Reward Features
Earn Touchpoints
Things To Be Aware Of
MINIMUM SALARY
AED 40,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 40,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 100
Key Features
Reward Features
Earn Touchpoints
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Touchpoints Per 1 AED spend
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Enjoy a Welcome Bonus of AED 500 as talabat credit when you sign up for the card.
Important note:
Key Features
Reward Features
Earn talabat credit every time you spend using the card as per below:
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.90%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
No Annual fee
Key Features
Reward Features
Earn Cashback:
Dubai First Cashback Card offers unlimited cashback with instant earning & redemption through the Dubai First Mobile app.
The Dubai First Cashback Card offers unlimited cashback as well as instant earning and redemption through the Dubai First Mobile App.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
AED 375 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
AED 375 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
-/-
Key Features
Reward Features
Earn Wala'a Dirhams
Earn 1% on all retail spends. Redeem Wala'a Dirhams for flight tickets, bill payments and more.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99
Cash Advance Fee
3.15
Joining Offers
Get a welcome bonus* of AED 500 when you spend AED 5,000 on the card in the first two months.
*Applicable only for new to bank customers.
Key Features
Reward Features
on Emirates NBD site
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 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 200 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
Reward Features
Earn EI SmartMiles
Earn unlimited miles and redeem with no blackout dates:
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Emaar Upoints
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 420
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
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 735
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
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 263
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
Reward Features
Earn RED Points Rewards
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
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Joining Offers
0% balance transfer with no processing fees.
Key Features
Reward Features
Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 208.95
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
Reward Features
Earn Plus Points rewards:
Things To Be Aware Of
MINIMUM SALARY
AED 6,000
RATE
3.25%
ANNUAL FEE
AED 103.95
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
Reward Features
Earn Plus Points rewards
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / AED 131.25
Joining Offers
Limited Time Offer - Welcome bonus of AED 500 as cashback points!*
*To be eligible for the bonus cashback points a minimum retail spend of AED 15,000 in 60 days of card open date is required. The cashback points will be credited to your EI Rewards account within 90 days of campaign end date i.e. latest by 31 December 2024.
Key Features
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
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 735
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
1) Welcome Miles Bonus Category: 30,000 skywards miles
Upon payment of the Annual Membership Fee of AED 700 and joining fee of AED 550.
2) Cummulative retail spends ( within 6 months): 20,000 skywards miles
Spend a minimum of AED 30,000 within 6 months
3) Spend with Emirates Airlines ( within 6 months) : 10,000 skywards miles
Spend a minimum of AED 10,000 withing 6 months
Overall an ability to earn upto 60,000 bonus skywards miles!
Key Features
Reward Features
Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 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 200 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
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 25,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
- / -
Key Features
Reward Features
Earn Wala'a Dirhams
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
AED 475 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
AED 475 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
-/-
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
- / -
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 50,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 50,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
- / -
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
- / -
Key Features
Reward Features
Earn Wala'a Dirhams
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
- / -
Key Features
Reward Features
Earn Wala'a Dirhams
MINIMUM SALARY
AED 15,000
RATE
AED 600 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
AED 600 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
Key Features
Reward Features
Earn Wala'a Dirhams
Earn 2% on all retail spends. Redeem Wala'a Dirhams for flight tickets, bill payments and more.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
AED 475 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
AED 475 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
-/-
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
AED 375 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
AED 375 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
-/-
Key Features
Reward Features
Earn Wala'a Dirhams
Earn 1% on all retail spends. Redeem Wala'a Dirhams for flight tickets, bill payments and more.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
AED 195 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
AED 195 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
-/-
Key Features
Reward Features
Earn Wala'a Dirhams
Earn 0.5% on all retail spends. Redeem Wala'a Dirhams for flight tickets, bill payments and more.
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
AED 600 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 25,000
RATE
AED 600 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
Key Features
Reward Features
Earn Wala'a Dirhams
Earn 3% on all retail spends. Redeem Wala'a Dirhams for flight tickets, bill payments and more.
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
AED 600 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
AED 600 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
Key Features
Reward Features
Earn Wala'a Dirhams
Earn 2% on all retail spends. Redeem Wala'a Dirhams for flight tickets, bill payments and more.
Things To Be Aware Of
MINIMUM SALARY
AED 50,000
RATE
AED 1000 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 50,000
RATE
AED 1000 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
- / -
Key Features
Reward Features
Earn Wala'a Dirhams
Earn 0.5% on all retail spends. Redeem Wala'a Dirhams for flight tickets, bill payments and more.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
2.08%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
2.08%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Exchange your Al-Futtaim FAB Rewards for an unmatched range of rewards
UP TO 10 AL-FUTTAIM FAB REWARDS FOR YOUR PURCHASES
Earn ten Al-Futtaim Rewards for every Dirham spent at Al-Futtaim’s stores, showrooms or schools, and two Al Futtaim FAB Rewards for every Dirham spent elsewhere.
REDEEM YOUR AL-FUTTAIM FAB REWARDS FOR A HOST OF BENEFITS
Redeem your Al-Futtaim FAB Rewards for Etihad Guest Miles, Skywards Miles from Emirates, e-vouchers or cashback credited to your Al-Futtaim Credit Card. Your Al-Futtaim FAB Rewards can also be used at participating Al-Futtaim stores at the check-out counter to pay for your purchases.
EXCLUSIVE AL-FUTTAIM OFFERS
Get exclusive offers from Al-Futtaim brands.
Things To Be Aware Of
No Annual Fee Credit Cards by Bank
Credit Card Types
No Annual Fee Credit Cards Features
Finding the best financial products is critical to managing personal expenses effectively. This guide focuses on no annual fee credit cards in UAE, providing you with options to save on fees while still enjoying exceptional benefits. It highlights the best credit card in UAE without annual fee, introduces the best free credit card in UAE, and even explores the benefits of a zero annual fee credit card in UAE.
Credit cards are essential financial tools, providing convenience and flexibility for everyday spending. For those seeking to save on fees while still enjoying a variety of benefits, no annual fee credit cards in UAE are an excellent choice. These cards are designed to offer rewards and perks without charging a yearly maintenance fee, making them ideal for budget-conscious individuals. Whether you're looking for the best credit card in UAE without annual fee or the best free credit card in UAE, there are many compelling reasons to consider these options.
One of the most obvious benefits of choosing no annual fee credit cards in UAE is the savings. With zero maintenance fees, you can avoid unnecessary charges while still gaining access to a variety of features. For individuals who use their credit card sparingly or only for emergencies, these cards are a cost-effective solution. Even if you don’t use the card often, you won’t be penalized by having to pay an annual fee.
For frequent spenders, some cards waive fees when you meet specific spending thresholds. This spend-based waiver system allows you to enjoy a premium card experience without additional costs, making it a win-win for the user.
The misconception that free credit cards come without rewards is far from the truth. Many best free credit cards in UAE offer cashback, reward points, and discounts on various spending categories such as groceries, dining, travel, and entertainment. For example, the HSBC Cashback Credit Card and Citi Rewards Credit Card provide valuable cashback and points that can be redeemed for a range of benefits.
Similarly, a zero annual fee credit card in UAE often includes loyalty programs, allowing you to accumulate rewards on every purchase. These rewards can be used for flights, hotel stays, or discounts on shopping and dining, enhancing your overall spending power.
With no annual fee credit cards in UAE, you can enjoy the flexibility of having a card without the pressure of spending a minimum amount to justify an annual fee. Whether you are using it for small purchases or large transactions, you can benefit from perks like installment plans, balance transfers, and emergency financial support without worrying about additional fees.
Some cards, such as the Citi Simplicity Credit Card, even eliminate common charges like late payment or over-limit fees, ensuring a hassle-free experience.
The best credit card in UAE without annual fee often includes lifestyle privileges like complimentary airport lounge access, travel insurance, cinema and dining discounts. For instance, the Emirates NBD Lulu 247 Titanium Credit Card provides exclusive shopping rewards, while the Citi Rewards Credit Card offers travel-related benefits. These features are typically associated with premium cards, but no annual fee credit cards in UAE make them accessible to more users.
If you are new to credit cards, opting for a zero annual fee credit card in UAE is a great way to build your credit history without incurring additional costs. These cards offer a low-risk entry point to financial products, allowing you to establish a good credit score while enjoying benefits like cashback or rewards.
Whether you're a frequent spender or a cautious budgeter, no annual fee credit cards in UAE offer tremendous value. They eliminate the burden of annual fees while providing access to perks like rewards, cashback, and lifestyle benefits. If you're searching for the best credit card in UAE without annual fee or the best free credit card in UAE, these options allow you to save money, earn rewards, and enjoy financial flexibility. With choices like the HSBC Cashback Credit Card and Citi Rewards Credit Card, you can easily find a zero annual fee credit card in UAE that matches your lifestyle and spending habits.
Here’s a list of the most popular options for no annual fee credit cards in UAE. Each offers distinct advantages, ensuring you find the best credit card in UAE without an annual fee tailored to your needs.
Choosing the right credit card can significantly enhance your financial experience. If you're looking for the best free credit card in UAE, it’s important to carefully evaluate your needs and the card's features. Here's a step-by-step guide to help you choose the best credit card in UAE without annual fee and ensure you reap maximum benefits.
The first step in selecting a credit card is to understand your spending patterns. Consider the categories where you spend most, such as :
For instance, if you’re a frequent shopper at LuLu Hypermarkets, the Emirates NBD Lulu 247 Titanium Credit Card may be a great fit as it provides LuLu points for every purchase.
Many no annual fee credit cards in UAE provide valuable rewards or cashback benefits. Look for cards that offer rewards aligned with your spending. Examples include :
Choose a card that offers the most value in categories where you spend frequently.
While some cards are free for life, others provide spend-based waivers. If you want a zero annual fee credit card in UAE, check the terms for waiving annual fees after the first year. Examples :
These conditions can work well if your regular expenses meet or exceed the waiver threshold.
Many best free credit cards in UAE include exclusive privileges such as :
For example :
The Emirates NBD U By Emaar Visa Family Card offers Upoints for spending at Emaar properties, which can be redeemed for dining, entertainment, and shopping.
If you often make large purchases, consider cards with 0% interest installment plans. This feature allows you to break payments into manageable chunks without incurring additional fees. Examples include :
While annual fees may be waived, it’s important to review other charges, such as :
Before applying, ensure you meet the eligibility criteria, which typically include :
Leverage tools like Soulwallet’s detailed product listings and compare the best free credit card in UAE.
Choosing the best credit card in UAE without an annual fee involves analyzing your spending habits, comparing rewards, and evaluating additional perks. Whether you need cashback for daily transactions, rewards for shopping, or lifestyle benefits, there’s a no annual fee credit card in UAE tailored to your needs. Tools like Soulwallet can simplify the process by matching you with the right card, ensuring you maximize rewards while avoiding unnecessary costs.
To apply for the best credit card in UAE without annual fee, ensure you meet the following :
When applying for a zero annual fee credit card in UAE, prepare these documents :
Follow these steps to apply for a no annual fee credit card in UAE :
A credit card that does not charge an annual maintenance fee.
No, some offer fee waivers based on annual spending.
Options like the FAB Rewards Indulge Credit Card and Citi Simplicity Credit Card are popular choices.
Hidden charges may apply for late payments, cash withdrawals, or exceeding the limit.
Spend-based waivers remove annual fees if you meet a specific spending threshold.
Yes, expatriates with valid residency visas can apply.
The HSBC Cashback Credit Card and Citi Cashback Credit Card are excellent for cashback rewards, they come with first year free and spend based reversals from subsequent years.
Yes, many cards offer reward points or cashback.
Yes, cards like Citi Rewards Credit Card provide travel-focused rewards.
Yes, they are ideal for users who want to avoid annual fees.
You can apply for most of the free credit cards through Soulwallet portal online , through the banks online application forms or by visiting the branches.
Yes, many banks offer free supplementary cards.
Some no annual fee credit cards provide lounge access as a perk.
Check income requirements and eligibility criteria listed by the bank.
Typically, a valid Emirates ID, residency visa, and income proof.
Yes, most no annual fee credit cards in UAE offer reward programs.
Cards like Emirates NBD Lulu 247 Titanium are great for shopping rewards.
Interest is charged on unpaid balances, like other credit cards.
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
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FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
