Best Credit Card In UAE

Please fill in the details to receive a call back with more details

+971

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 1000

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

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 1,000

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

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

Reward Features

1% flat Cashback: anywhere – any time

Things To Be Aware Of

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

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 550

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

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 550

Non AED Transaction Fee

2.95%

Cash Advance Fee

3.15 % / Min 105

Key Features

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

Reward Features

Choose from First Rewards, First Miles or First Cashback

First Rewards

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

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

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

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 50,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • Extensive premium luxury lifestyle benefits
  • Premium travel benefits
  • Premium card with no annual fee

MINIMUM SALARY

AED 50,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Up to 4 free valet parking services per month in Dubai & Abu Dhabi
  • Free access for cardholder plus a guest to over 900 premium airport lounges globally
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Visa fine dining offers
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Exclusive Visa Infinite Privileges
  • Credit Shield Takaful
  • Visa Luxury Hotel Collection offers
  • Free Multi-Trip Travel Insurance with cover up to US $1,000,000
  • Complimentary Concierge Services
  • Purchase protection for 90 days
  • Extended Warranty that automatically doubles the original warranty
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

  • Earn 1.0 Wala’a Rewards for every AED 1 spent on all retail spends.
  • Redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Car Registration
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Buy 1 Get 1 at Vox on Standard tickets on Sundays and 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Customers can avail discounts from several Golf courses across the world with this
  • Access to over 200 airport restaurant offers globally
  • Up to 2 free valet parking services per month in Dubai & Abu Dhabi
  • Visa Luxury Hotel Collection offers
  • Purchase protection for 90 days
  • Travel & personal accident insurance with cover up to US $100,000
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful
  • Card Protection Plus
  • Easy cash access with high cash withdrawal limits of up to 80% of credit limit.
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty & purchase protection on purchases made on the card 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

  • Earn 2.5 Wala’a Rewards for every AED 1 spent on all retail spends.
  • Redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • Premium lifestyle benefits
  • Premium travel benefits
  • No annual fee

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Up to 3 free valet parking services per month in Dubai & Abu Dhabi
  • Free access for cardholder to over 900 premium airport lounges globally
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus Visa fine dining offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Exclusive Visa Signature Privileges
  • Credit Shield Takaful
  • Visa Luxury Hotel Collection offers
  • Free Multi-Trip Travel Insurance with cover up to US $500,000
  • Complimentary Concierge Services
  • Purchase protection for 90 days
  • Extended Warranty that automatically doubles the original warranty
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)

Reward Features

Earn Wala'a Dirhams

  • Earn 3.0 Wala’a Rewards for every AED 1 spent on all retail spends.
  • Redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 25,000

RATE

3.09%

ANNUAL FEE

AED 1500

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

MINIMUM SALARY

AED 25,000

RATE

3.09%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Introductory offer - Up to AED 2,500 Travel Vouchers


Key Features

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

Reward Features

Earn Starpoints Rewards:

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

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

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 15,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • No annual fee
  • 10% cashback on du bills
  • Fab rewards are instantly redeemable for du bills
  • Access to airport lounges across the Middle East

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

  • 10% discount on du postpaid and home services
  • 10% bonus credit on prepaid line recharges
  • 10% discount on your du smartphone Privilege Plan monthly data charges
  • Accelerated First Reward points on du transactions
  • Select a loyalty program of your choice - rewards, miles or cashback
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • AVIS Car rental offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Talk for free
  • Tap & Go
  • Shop smart
  • Free access 6 times a year to VIP airport lounges worldwide
  • Free VIP Diamond Lounge Access at Abu Dhabi airport
  • Valet parking up to 5 times a month in Dubai & Abu Dhabi
  • Upto 4 discounted tickets at VOX
  • Balance Transfer

Reward Features

  • 10% cashback on your du postpaid line bills
  • 10% cashback on du home services bill payments
  • 10% cashback on prepaid line recharges
  • 10% cashback on your du smartphone Privilege Plan monthly data charges

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.

  • Earn up to 4 FAB Rewards for every AED 1 you spend
  • Enjoy instant redemption and choose from an extensive selection of rewards, including shopping, cashback, utility bill payments, dining out or booking your next holiday

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • No annual fee
  • 10% cashback on du bills
  • Fab rewards are instantly redeemable for du bills
  • Access to airport lounges across the Middle East

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

  • 10% discount on du postpaid and home services
  • 10% discount on du Smart Phone Privilege Plan
  • 10% bonus credit on prepaid line recharges
  • 10% discount on du home services bill payments
  • Accelerated First Reward points on du transactions
  • Select a loyalty program of your choice - rewards or cashback
  • Reward redemption against your du bill payments
  • Tap & go
  • Talk for free
  • Unlimited access to airport lounges across the Middle East
  • VIP Diamond Lounge Access
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • Balance Transfer

Reward Features

  • 10% cashback on your du postpaid line bills
  • 10% cashback on du home services bill payments
  • 10% cashback on prepaid line recharges
  • 10% cashback on your du smartphone Privilege Plan monthly data charges

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.

  • Earn up to 2.5 FAB Rewards for every AED 1 you spend
  • Enjoy instant redemption and choose from an extensive selection of rewards, including shopping, cashback, utility bill payments, dining out or booking your next holiday

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 5,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • No Annual fee
  • Win a trip to Etihad Stadium to watch Manchester City
  • Win a chance to meet the Manchester City Team in the UK
  • Access to airport lounges across the Middle East

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

  • Exclusive Manchester City Football Club experiences
  • Win a trip to the Etihad Stadium to watch Manchester City in action
  • Win a chance to meet the Manchester City Team in the UK
  • Witness One of the Final Matches in the UK
  • Win official kids coaching lessons
  • Win Mall Vouchers
  • Shop Smart
  • Talk for free
  • Redeem loyalty points against MCFC merchandise
  • Select a loyalty program of your choice - rewards or cashback
  • Priceless Arabia Mastercard Offers
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • Balance Transfer

Reward Features

  • Earn up to 2.5 FAB Rewards for every AED 1 you spend
  • Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Car Registration
  • Travel Insurance
  • Contactless Tech
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Travel & personal accident insurance with cover up to US $50,000
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful
  • Card Protection Plus
  • Cash Flexibility

Reward Features

Earn Wala'a Dirhams

  • Earn 1.0 Wala’a Rewards for every AED 1 spent on all retail spends and then redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.
  • Retail credit card spends made under the categories Supermarkets, Telecom, Education, Petroleum, Government Services (including utility bill payments) will earn 0.5 wala’a rewards for every 1 AED spent.

MINIMUM SALARY

AED 8,000

RATE

3.85%

ANNUAL FEE

AED 300

  • Valet Parking
  • Dining Offers
  • Balance Transfer
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn more FAB Rewards on your spending and gaming
  • Movie tickets from just AED 15
  • Get up to two airport transfers a year
  • Purchase Protection and Extended Warranty

MINIMUM SALARY

AED 8,000

RATE

3.85%

ANNUAL FEE

AED 300

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

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


Key Features

  • Movie tickets from just AED 15: Enjoy four movie tickets a month for only AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinemas. Get weekday movie tickets from only AED 20 at VOX Cinemas.
  • Visa lifestyle benefits: Get even more great benefits with Visa, including offers on dining, The Entertainer and Global Blue*.
  • Airport Transfers: Get up to two airport transfers a year from AED 40 (within the same city)
  • Visa Travel Benefits: Enjoy travel benefits and discounts with Visa’s partners including DragonPass Airport dining offers, YQ Meet & Assist, Avis Car Rental, Agoda, IHG Hotels & Resorts, Visa Luxury Hotel Collection, Jumeirah Hotels, Booking.com and many
  • Purchase Protection and Extended Warranty: Enjoy Purchase Protection and Extended Warranty of 12 months beyond the manufacturer or retail warranty*.
  • International Medical and Travel Assistance: If you used your FAB Rewards Platinum Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your
  • principal country of residence for up to 90 days*.
  • Credit Shield: If something happens and you can’t meet your credit card payments, your outstanding balance will be paid off.

Reward Features

FAB REWARDS

The fastest way to increase your FAB Rewards earning 

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

Things To Be Aware Of

  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 400

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

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

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

Key Features

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

Reward Features

AirRewards - Air Arabia's loyalty program

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 300

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

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 300

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min AED 99

Joining Offers

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

Key Features

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

Reward Features

Earn RAKBarca Reward Points:

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

Things To Be Aware Of

  • Processing fee is applicable for 0% epp offers

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

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

Reward Features

Earn RAKrewards

Monthly Spend Tier & RAKrewards earned per 1 AED:

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

Quarterly Spend Tier & bonus RAKrewards rate:

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

Cinema Reward Offerings

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

 

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

Things To Be Aware Of

  • Some categories will earn 0.35 RAKrewards per AED 1 spent

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Roadside Assistance
  • Earn up to 3.75 RAKrewards per AED of spend
  • Chance to win 500,000 RAKrewards every 3 months
  • Earn RAKrewards on all spends
  • Free for life
  • Cardless cash withdrawals

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

  • Earn up to 3.75 RAKrewards per AED of spend
  • Free for life
  • Earn RAKrewards on all spends
  • Complimentary access to over 25+ lounges in the Middle East, Levant & select locations globally for the cardholder
  • Earn Triple RAKrewards on Fuel and up to 10,000 RAKrewards on cinema spends
  • Chance to win 500,000 RAKrewards every 3 months
  • Cardless payments with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay or Garmin Pay plus cardless cash withdrawals at contactless enabled RAKBANK ATMs
  • You benefit from the RAKrewards partnerships to earn and redeem your rewards
  • Redeem rewards for Vouchers for Dining, Desert Safari, Boating adventure, Marhaba service, Rent a Car, wide range of electronics and home appliances and many more
  • 10 Complimentary tickets on Sundays in month at VOX Standard and 20% off at Roxy
  • Avail a discount of up to 15% on retail rates over 450 destinations globally
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Exclusive Avis car rental discounts
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Purchase Protection up to 30 days from date of purchase
  • Minimum monthly payment of just 3%

Reward Features

Earn RAKrewards

Monthly Spend Tier & RAKrewards earned per 1 AED:

  • Up to AED 14,999 - 2.5 (international), 1.25 (domestic)
  • Above AED 15,000 - 3.75 (international), 2.5 (domestic)
  • Government spend, telecom, real estate & utilities will earn 0.35 RAKrewards per 1 AED spent
  • Max Cap - 166,667 (each for domestic & international)

Monthly Spend Tier & RAKrewards per 1 AED on Fuel:

  • Up to AED 14,999 - 3.75
  • Above AED 15,000 - 7.5

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 spend requirement to avail Rakrewards is AED 15000
  • Min. threshhold required to redeem Rakrewards is 1000 points

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

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

Reward Features

Earn Cashback on all spends

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

Travel - 5% (max AED 300)

Supermarkets - 5% (max AED 200)


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

Travel - 10% (max AED 600)

Supermarkets - 10% (max AED 400)


Monthly Spend Tier & Cashback earned:

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

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

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Air Miles
  • Roadside Assistance
  • Earn UNBmiles rewards on all spends
  • Cinema offers at any cinema, anytime
  • No annual fee

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

  • Joining bonus of up to AED 500 worth of UNBmiles
  • Up to 3 UNBmiles for every AED of retail spend
  • Redeem UNBmiles for booking airline tickets & hotels directly, getting wide variety of gift vouchers/cards and much more
  • Unlimited free access to 10+ airport lounges across GCC
  • Upto AED 125 as value back on movie tickets with a 50% value back
  • 20% discounts on Careem rides
  • Free annual auto registration or renewal
  • Free emergency road side assistance anytime anywhere in UAE with AAA
  • 0% interest for 3 months on all travel purchases- no processing fee
  • 0% interest for 6 months on balance transfer
  • 0% interest instalment plan for up to 6 months on spend at 30+ partner outlets. No processing fees
  • Hundreds of buy 1 get 1 offers across hotels, dining, spas, leisure and entertainment in Middle East & Africa
  • Exciting discounts of up to 40% renowned shopping, leisure & entertainment partners

Reward Features

Earn UNBmiles on all spends

  • 1.5 UNBmiles for every AED 1 spent locally.
  • 3 UNBmiles for every AED 1 spent internationally.
  • Redeem UNBmiles for booking air tickets and hotels, gift vouchers and much more.
  • Minimum spend of AED 500 per month required to earn UNBmiles.

Things To Be Aware Of

  • Min spend of AED 1500 p.m for cinema offers
  • Specific spend criteria required for Joining bonus
  • Min spend of AED 500 to earn UNBmiles

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Car Registration
  • Travel Insurance
  • Contactless Tech
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Travel & personal accident insurance with cover up to US $75,000
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Wala'a Dirhams

  • Earn 1.5 Wala’a Rewards for every AED 1 spent on all retail spends and then redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.
  • Retail credit card spends made under the categories Supermarkets, Telecom, Education, Petroleum, Government Services (including utility bill payments) will earn 0.5 wala’a rewards for every 1 AED spent.

MINIMUM SALARY

AED 15,000

RATE

AED 600 p.m.

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Car Registration
  • Travel Insurance
  • Purchase Protection
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover

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

  • Earn Wala'a Dirhams on all spends
  • Purchase protection for 60 days
  • Travel & personal accident insurance with cover up to US $100,000
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful

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

  • Has a monthly subscription fee of AED 600 (no interest rate)

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 299

  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Roadside Assistance
  • Earn cashback on all spends
  • Free roadside assistance, valet parking

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 1.25% cashback on international spend and 0.8% on domestic spend
  • Access to over 850 VIP Airport Lounges worldwide
  • Merchant offers and discounts​
  • MasterCard Experience & offers and hotel discounts
  • Discounts on Travel and holiday packages
  • Valet parking at select locations in the UAE
  • Meet and Greet service across 450 airports worldwide
  • Withdraw 100% of your finance limit as cash
  • ADIB Travel Desk benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features

1.25% cashback on international spend and 0.8% on domestic spend

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 299

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 500

  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • 1% unlimited cashback on all spends
  • Free roadside assistance service

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 500

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 1% flat Cashback: anywhere – any time
  • Free roadside assistance
  • ADIB Travel Desk benefits
  • Withdraw 100% of your finance limit as cash
  • Free grace period up to 55 days to repay your outstanding balance
  • Four Free Supplementary cards
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

ADIB Rewards Program

1% flat Cashback: anywhere – any time

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 500

MINIMUM SALARY

AED 15,000

RATE

2.99%

ANNUAL FEE

AED 750

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

MINIMUM SALARY

AED 15,000

RATE

2.99%

ANNUAL FEE

AED 750

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 10% cash back on all dining spend in the UAE
  • 2.5 rewards points for every 1 AED spent
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Complimentary round of Golf once at the Arabian Ranches Golf club. Discounts at 14 clubs in UAE and Muscat
  • Free Roadside Assistance 24/7 across the UAE
  • Valet parking at select locations in the UAE​ (4 per month)
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Advanced Chip&Pin technology making purchases and withdrawing cash secure​​​​​​​​
  • Withdraw 100% of your finance limit as cash
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Screen reader support enabled

Reward Features

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • 10,000 Etihad Guest Miles welcome bonus
  • Free for life card
  • Earn Etihad Guest Miles on all spends

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

  • Welcome ​bonus of 10,000 Etihad Guest Miles
  • Receive 1 Etihad Guest Mile for every AED 4 equivalent spent on international non-AED transactions
  • Receive 0.75 Etihad Guest Miles for every AED 4 spent for local AED transactions
  • Pay your annual fees using 12,500 Etihad Guest Miles
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends
  • Withdraw 100% of your finance limit as cash

Reward Features

Earn Etihad Guest Miles

  • International Non-AED Transactions: Receive 1 Etihad Guest Mile for every AED 4 equivalent spent
  • Local AED Transactions: Receive 0.75 Etihad Guest Miles for every AED 4 spent for AED transaction
  • Earn 0.25 Etihad Guest Miles for every 4 AED spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities)
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends

Things To Be Aware Of

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 350

  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • 35,000 Etihad Guest Miles welcome bonus
  • Free companion ticket voucher

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 350

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome Offer

Welcome bonus of 35,000 Etihad Guest Miles.

Key Features

  • Welcome bonus of 35,000 Etihad Guest Miles
  • Receive 1.5 Etihad Guest Miles for every AED 4 equivalent spent on international non-AED transactions
  • Receive 1 Etihad Guest Mile for every AED 4 spent for local AED transactions
  • Free Companion Ticket – not available on any other Card in the Middle East!
  • Fast track to Etihad Guest Silver Tier
  • Free Roadside Assistance 24/7 across the UAE
  • Pay your annual fees using 30,300 Etihad Guest Miles
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends
  • 2 complimentary visits to over 850+ premium airport lounges
  • Withdraw 100% of your finance limit as cash
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Etihad Guest Miles

  • International Non-AED Transactions: Receive 1.5 Etihad Guest Miles for every AED 4 equivalent spent
  • Local AED Transactions: Receive up to 1 Etihad Guest Miles for every AED 4 spent for AED transaction
  • Earn 0.5 Etihad Guest Mile for every 4 AED spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities) 

Things To Be Aware Of

  • Min spend of AED 150,000(year) req for free companion ticket
  • 5th supplementary card onwards annual fee is AED 1,000
  • Maximum of 100,000 Etihad Guest Miles per month

MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 700

  • Valet Parking
  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Roadside Assistance
  • 50,000 Etihad Guest Miles welcome bonus
  • Free companion ticket on Etihad airways - any class
  • Free valet parking, roadside assistance, lounge access

MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome Offer

Welcome bonus of 50,000 Etihad Guest Miles.

Key Features

  • Welcome bonus of 50,000 Etihad Guest Miles
  • Receive 3 Etihad Guest Miles for every AED 4 equivalent spent on international non-AED transactions
  • 50% off cinema tickets at VOX Cinemas across UAE on Sundays (max of 10 free tickets per month)
  • Receive up to 2. 2 Etihad Guest Miles for every AED 4 spent for local AED transactions
  • Free Companion Ticket – not available on any other Card in the Middle East!
  • Fast track to Etihad Guest Gold Tier
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Access to over 200 airport restaurant offers globally
  • Valet parking at select locations in the UAE
  • Pay your annual fees using 60,600 Etihad Guest Miles
  • Free Roadside Assistance 24/7 across the UAE
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends
  • 4 free premium airport lounge visits per year globally
  • Withdraw 100% of your finance limit as cash
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn Etihad Guest Miles

  • International Non-AED Transactions: Receive 3 Etihad Guest Miles for every AED 4 equivalent spent
  • Local AED Transactions: Receive up to 2. 2 Etihad Guest Miles for every AED 4 spent for AED transaction
  • Earn 1 Etihad Guest Mile for every 4 AED spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities) 

Things To Be Aware Of

  • Maximum of 100,000 Etihad Guest Miles per month
  • 5th supplementary card onwards annual fee is AED 2,000

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • Bonus 5,000 Etisalat Reward points

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

  • 5,000 Sign Up Etisalat Reward Points equivalent to more than 2.5 hours of UAE talk time
  • Earn 1.5 Etisalat Smile points for every Dirham spent
  • Earn 1 Etisalat Smiles point for every Dirham spent on specific merchant transactions
  • Special Etisalat MyPackage Plan for even More points

Reward Features

Earn Etisalat Smiles Rewards Points

 

  • For non-Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 10 minutes of UAE talk time.
  • Earn 1 Etisalat Smiles point for every Dirham spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities), so every AED 100 spent is 3 minutes of UAE talk time.
  • For Self-funded Cards earn 2 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 6 minutes of UAE talk time.
  • Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.

MINIMUM SALARY

AED 15,000

RATE

3.09%

ANNUAL FEE

AED 1199

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

MINIMUM SALARY

AED 15,000

RATE

3.09%

ANNUAL FEE

AED 1,199

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

100,000 welcome Etisalat Smiles Points

Key Features

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

Reward Features

Earn Etisalat Smiles Rewards Points

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1250

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

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1,250

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

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

Reward Features

Rotana Rewards Exclusive Program

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 5,000

RATE

AED 195 p.m.

ANNUAL FEE

AED 0

  • Travel Insurance
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover

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

  • Earn Wala'a Dirhams on all spends
  • Travel & personal accident insurance with cover up to US $50,000
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful

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

  • Has a monthly subscription fee of AED 195 (no interest rate)

MINIMUM SALARY

AED 5,000

RATE

AED 475 p.m.

ANNUAL FEE

AED 0

  • Balance Transfer
  • Car Registration
  • Travel Insurance
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover

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

  • Earn Wala'a Dirhams on all spends
  • Travel & personal accident insurance with cover up to US $87,500
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

  • Earn 2.0 Wala’a Rewards for every AED 1 spent on all retail spends.
  • Redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.

 

Things To Be Aware Of

  • Has a monthly subscription fee of AED 475 (no interest rate)

MINIMUM SALARY

AED 5,000

RATE

AED 375 p.m.

ANNUAL FEE

AED 0

  • Car Registration
  • Travel Insurance
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover

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

  • Earn Wala'a Dirhams on all spends
  • Travel & personal accident insurance with cover up to US $87,500
  • Complimentary Roadside assistance services
  • Balance transfer
  • facility Credit Shield Takaful

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

  • Has a monthly subscription fee of AED 375 (no interest rate)

MINIMUM SALARY

AED 5,000

RATE

AED 475 p.m.

ANNUAL FEE

AED 0

  • Balance Transfer
  • Car Registration
  • Travel Insurance
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover

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

  • Earn Wala'a Dirhams on all spends
  • Travel & personal accident insurance with cover up to US $87,500
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

  • Earn 2.0 Wala’a Rewards for every AED 1 spent on all retail spends.
  • Redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.

Things To Be Aware Of

  • Has a monthly subscription fee of AED 475 (no interest rate)
  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 50,000

RATE

AED 1000 p.m.

ANNUAL FEE

AED 0

  • Valet Parking
  • Dining Offers
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Roadside Assistance
  • Extensive premium luxury lifestyle benefits
  • Premium travel benefits
  • Premium card with no annual fee

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

  • Earn Wala'a Dirhams on all spends
  • Up to 4 free valet parking services per month in Dubai & Abu Dhabi
  • Free access for cardholder plus a guest to over 900 premium airport lounges globally
  • International concierge services
  • Visa fine dining offers
  • Emergency Merchant Authorization service
  • Exclusive Visa Infinite Privileges
  • Visa Luxury Hotel Collection offers
  • Free Multi-Trip Travel Insurance with cover up to US $1,000,000
  • Complimentary Concierge Services
  • Purchase protection for 60 days
  • Extended Warranty that automatically doubles the original warranty
  • Complimentary Roadside assistance services
  • Balance transfer facility

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

  • Only for DIB Wajaha customers
  • Has a monthly subscription fee of AED1000 (no interest rate)

MINIMUM SALARY

AED 15,000

RATE

AED 600 p.m.

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Car Registration
  • Travel Insurance
  • Purchase Protection
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover
  • Good loyalty rewards earning rate

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

  • Earn Wala'a Dirhams on all spends
  • Purchase protection for 60 days
  • Travel & personal accident insurance with cover up to US $100,000
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful

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

  • Has a monthly subscription fee of AED 600 (no interest rate)

MINIMUM SALARY

AED 25,000

RATE

AED 600 p.m.

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Car Registration
  • Travel Insurance
  • Purchase Protection
  • Roadside Assistance
  • Excellent loyalty rewards earn rate
  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover

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

  • Earn Wala'a Dirhams on all spends
  • Purchase protection for 60 days Travel & personal accident insurance with cover up to US $100,000
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful

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

  • Has a monthly subscription fee of AED 600 (no interest rate)

MINIMUM SALARY

AED 5,000

RATE

AED 195 p.m.

ANNUAL FEE

AED 0

  • Travel Insurance
  • Roadside Assistance
  • No annual fee Personal accident & travel insurance cover
  • Roadside assistance services
  • Personal accident & travel insurance cover

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

  • Earn Wala'a Dirhams on all spends
  • Travel & personal accident insurance with cover up to US $50,000
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful

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

  • Has a monthly subscription fee of AED 195 (no interest rate)

MINIMUM SALARY

AED 5,000

RATE

AED 375 p.m.

ANNUAL FEE

AED 0

  • Car Registration
  • Travel Insurance
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover

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

  • Earn Wala'a Dirhams on all spends
  • Travel & personal accident insurance with cover up to US $87,500
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful

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

  • Has a monthly subscription fee of AED 375 (no interest rate)

MINIMUM SALARY

AED 20,000

RATE

3.19%

ANNUAL FEE

AED 630

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Air Miles
  • Roadside Assistance
  • Premium lifestyle and travel benefits
  • Cinema offers at any cinema, anytime
  • Unlimited Marhaba services

MINIMUM SALARY

AED 20,000

RATE

3.19%

ANNUAL FEE

AED 630

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Welcome Bonus of AED 3,000 worth of UNBmiles


Key Features

  • Welcome bonus of AED 3,000 worth of UNBmiles
  • Up to 10 UNBmiles for every AED of retail spend,
  • Redeem UNBmiles for booking airline tickets & hotels directly, getting wide variety of gift vouchers/cards and much more
  • Unlimited complimentary access at 750+ airport lounges globally for primary and supplementary cardholders
  • Unlimited complimentary Marhaba and Golden Class airport services
  • Complimentary hotel nights with Starwood Hotels and Resorts
  • 10% discount with Cleartrip on any international roundtrip airfare
  • 0% interest for 3 months on all travel purchases
  • Complimentary multi-trip travel insurance including medical benefits
  • Upto AED 125 as value back on movie tickets with a 50% value back
  • 0% interest for 6 months on balance transfer
  • Free auto registration or renewal service once a year & free Emergency roadside assistance anytime, anywhere in UAE
  • Hundreds of buy 1 get 1 offers across hotels , dining, spas, leisure and entertainment in Middle East & Africa
  • Exciting shopping discounts of up to 40% renowned shopping, leisure & entertainment partners
  • 0% interest instalment plan for up to 6 months on spend at 30+ partner outlets

Reward Features

Earn UNBmiles on all spends

  • 2 UNBmiles for every AED 1 spent locally, no caps.
  • 4 UNBmiles for every AED 1 spent internationally, no caps.
  • 10 UNBmiles for every AED 1 spent on dining during weekends, max cap of 150 UNBmiles per month.

Redeem UNBmiles for booking air tickets and hotels, gift vouchers and much more.
Minimum spend of AED 500 per month required to earn UNBmiles.

Things To Be Aware Of

  • Min spend of AED 1500 p.m for cinema offers
  • Min spend of AED 500 to earn UNBmiles

Best Credit Cards with Roadside assistance Benefits

UAE customers need not worry about a car break down. Whether one needs a jump or help changing a flat tire, any assistance while on the road, can be managed easily through a call to roadside assistance helpline provided as a complimentary feature on your credit card. While the level of assistance and terms vary widely there are several credit cards in UAE which offer complimentary Roadside Assistance to its customers. FAB Abu Dhabi Titanium Credit Card, ADIB Etihad Classic Credit Card and Dubai Islamic Prime Gold Credit Card are a few which offer this feature to its customers.