Best Credit Card In UAE

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+971

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 12,000

RATE

3.49%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn upto 60,000 bonus skywards miles
  • Complimentary Airport Lounge access
  • Complimentary Cinema tickets, Golf rounds & Valet Parking
  • Up to 1.5 Skywards Miles per USD equivalent spent

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

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

Reward Features

Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table

  • 1.5 Skywards Miles at Emirates Airlines
  • 1.1 Skywards Miles on international spend
  • 0.75 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 25,000

RATE

3.45%

ANNUAL FEE

AED 650

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

MINIMUM SALARY

AED 25,000

RATE

3.45%

ANNUAL FEE

AED 650

Non AED Transaction Fee

2.79%

Cash Advance Fee

3.15 % / Min 210

Joining Offers

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

Key Features

  • AED2500 cashback as joining bonus
  • Earn Salaam Carats on all spends
  • Complimentary Golf at Arabian Ranches, Yas Link and Trump based on spend tiers. Discounts at 14 clubs in UAE and Muscat
  • Unlimited free access to 650+ airport lounges globally for primary, supplementary and a guest
  • Save up to 35% on the finest signature cuisines by the best hotels in the UAE
  • 10 Complimentary tickets on Sundays in a month at VOX Standard and 20% off at Roxy
  • 2 free valet parking at select locations in Dubai and Abu Dhabi
  • 6 complimentary airport limousine service uses per year in Dubai
  • Redeem Salaam points for travel tickets and vouchers
  • Complimentary access to Fitness First
  • Exclusive 30% discount on Luxury yacht charter
  • 6 complimentary Silver Marhaba Meet & Greet services in a year
  • Multi trip travel insurance
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)

Reward Features

Earn Salaam Carats

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

Things To Be Aware Of

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

on Mashreq Bank site

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2100

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn upto 90,000 bonus skywards miles
  • Fast-Track update to Emirates Skywards Silver Tier Status
  • Up to 2 Skywards Miles per USD equivalent spent

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2,100

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

1) Welcome Miles Bonus Category: 40,000 skywards miles
Upon payment of the Annual Membership fee of AED 999 and the joining fee of AED 1,000.

2) Cumulative retail spends (within 6 months): 35,000 skywards miles
Spend a minimum of AED 75,000  within 6 months

3) Spend with Emirates Airlines (within 6 months) : 15,000 skywards miles
Spend a minimum of AED 20,000 withing 6 months

Overall an ability to earn upto 90,000 bonus skywards miles!

Key Features

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

Reward Features

Earn up to 2 Miles per USD 1 equivalent retail spends as per below rates

- 2 Skywards Miles at Emirates Airlines
- 1.5 Skywards Miles on international spend
- 1 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 15,000

RATE

3.25

ANNUAL FEE

AED 1050

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

MINIMUM SALARY

AED 15,000

RATE

3.25

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / 105 AED

Joining Offers

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

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

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

Key Features

  • 50% off beach, swimming pool and gym access at select Accor hotels in UAE
  • 35% off all-inclusive access at select Rixos Resorts in UAE
  • Fast track upgrade to Gold status from ALL
  • Complimentary night on card anniversary at select Accor Premium hotels in UAE
  • 25% off restaurants at select Accor hotels in UAE
  • 25% discount in Spas at select Accor hotels in UAE
  • Unlimited buy 1 Get 1 free at Caribou coffee
  • Complimentary golf access
  • 20% off 3 Careem rides a month
  • 50% off 3 Careem food & shop orders every month
  • Fraudulent card misuse protection
  • Unlimited complimentary airport lounge access for cardholder
  • Complimentary Airport Chauffer – up to 2 rides a year
  • Multi-Trip Travel Insurance
  • Up to 30% off YQ Meet and Assist

Reward Features

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

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

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

Earn up to 1 Reward point from ALL on domestic spend

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

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 314

  • Golf offers
  • Valet Parking
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Up to 8% cashback on your spends
  • Unlimited complimentary access to over 1000+ airport lounges
  • Switch between Lifestyle or Travel category any month
  • Two rounds of complimentary golf per month
  • 20% discount on the below Emaar Entertainment Attractions

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

  • Rewards – Up to 8% Cashback on your spends.
  • Lifestyle – 4% Cashback on Supermarkets, Dining & Education with 8% Cashback on Fuel.
  • Travel - 4% cashback on Airlines, Hotels & Dining.
  • 2 "Buy 1 Get 1" complimentary movie tickets every month.
  • 2 rounds of complimentary golf per month.
  • Complimentary valet parking service per month.
  • 2 Bronze Meet & Greet services at Dubai Airport.
  • Unlimited Worldwide Airport lounge accesses for the cardholder.

Reward Features

Lifestyle

Merchant Category Cashback % Monthly Cap (in AED)
Supermarket (Domestic) 4% 200
Dining 4% 200
Fuel (Domestic) 8% 100
Education 4% 200
Telecom, Utilities, Real Estate & Govt. Spends 0.5% No Cap
Other spends 1% No Cap

Travel

Merchant Category Cashback % Monthly Cap (in AED)
Airlines 4% 200
Hotels 4% 200
Dining 4% 200
Telecom, Utilities, Real Estate & Govt. Spends 0.5% No Cap
Other spends 1% No Cap


On the Emirates Islamic Switch Cashback Credit Card, the Cashback calculated for the month are for all based on transactions posted in the calendar month based on the category chosen by the customer, Lifestyle or Travel. This means the Cashback earned will only be accrued for transactions billed within the calendar month subject to a minimum spend of AED 2,500.To redeem your accrued cashback as a statement credit, you must have a minimum of AED 300 worth of Cashback in your Cashback wallet.

Things To Be Aware Of

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

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1575

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

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

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

1.     The offer is valid for only New to Bank or New to Product credit card applications from the period starting from 1st May to 31st July 2023 (“the Offer Period”). 

2.     Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

 3.     The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

 4.     Credit card applications sourced via sales representatives will not be eligible for the Offer.

 5.     The Bank will credit cashback to the client’s credit card statement.

 6.     Successful applications will receive the cashback on 31 December 2022.

 7.     Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.

Key Features

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

Reward Features

Earn 360° Reward Points on all spends

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

  • (USD 1 is defined at AED 3.673)

Things To Be Aware Of

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

MINIMUM SALARY

AED 10,000

RATE

3.69

ANNUAL FEE

AED 630

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Air Miles
  • No annual fee for the 1st year AED 630 from year 2 onwards
  • Enjoy 8 Fitness First visits a month for AED 1 each*
  • Complimentary 12-month Careem Plus subscription
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month

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

  • Earn 1 Air Mile for every AED 1 you spend, redeemable on flights, hotels, education, and shopping vouchers
  • Earn up to AED 800 cashback as joining bonus
  • Enjoy 8 Fitness First visits a month for AED 1 each when you spend over AED 6,000 a month.
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • Get Buy 1 Get 1 Free tickets at Vox cinemas twice a month, upon meeting the minimum monthly spend of AED 6,000.
  • Get Buy 1 Get 1 Free tickets at Reel cinemas twice a month, upon meeting the minimum monthly spend of AED 6,000.
  • Enjoy a complimentary 12-month Careem Plus subscription.
  • Access a range of rewards on shopping, dining, and more, worldwide.
  • Get 12 complimentary visits per year for you and additional cardholders to over 1,000 airport lounges when you make at least 1 international purchase of USD 1 with your HSBC Visa card 15 days before you travel.
  • Save at over 200 airport restaurants worldwide with the DragonPass Dine & Travel App (terms and conditions apply).
  • Get up to 8% off accommodation with Booking.com when you book using your credit card.
  • Enjoy deals on shopping, travel, dining, and more worldwide with home&Away.
  • Complimentary travel insurance cover of up to USD 500,000 for you and your family on trips up to 90 days.
  • Pay no annual fee for the first year; the fee is waived thereafter when you spend at least AED 12,000 annually.
  • Double the Air Miles earned when you spend over AED 3,000 a month on your Max Rewards Credit Card.

Reward Features

Air Mile for every AED 1 spend. Exchange or redeem your Air Miles for flights, hotels as well as education and retail voucher

Double your Air Miles on your dining, entertainment, fitness, travel and more when you spend more than AED 3,000 a month

Complimentary access to gyms, entertainment, dining, travel benefits and more, based on your monthly spend

Where minimum spend of AED 3,000 is not met and for ‘All other spends’, the Air Miles rate is 1 Air Mile on each AED 1 spend. Lifestyle shopping includes apparel, electronics, online marketplace retailers, personal care and furniture, as defined by Visa


Apply Now

on HSBC site

MINIMUM SALARY

AED 8,000

RATE

2.58%

ANNUAL FEE

AED 200

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Air Miles
  • Earn 30,000 Bonus Dubai Mementos
  • Earn up to 2 Dubai Mementos for every Dirham spent
  • 50% off Movie Tickets, anytime, anywhere

MINIMUM SALARY

AED 8,000

RATE

2.58%

ANNUAL FEE

AED 200

Non AED Transaction Fee

3.90%

Cash Advance Fee

3.00 % / Min 100

Joining Offers

Welcome Bonus

  • Earn 30,000 Bonus Dubai Mementos in the first three months with your new Dubai Moments Platinum Card.
  • Average monthly spend of  AED 5000 within 90 days of Credit Card issuance.

Key Features

  • Earn up to 2 Dubai Mementos for every Dirham spent
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Customers can avail 50% discount on any cinema upto AED 100 per month. There is a spend requirement of AED 2000 to avail the cashback.
  • Complimentary Airport Lounge across the globe
  • Complimentary Valet Parking in locations across Dubai and Abu Dhabi
  • Access to premium health clubs
  • Dozens of special discount, shopping and travel discounts across the UAE
  • MasterCard Priceless Cities offers
  • Buy-1-Get-1-Free Entertainer Offers
  • Purchase protection
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn Dubai Memento Points 

  • Earn Dubai Memento Points
  • Earn 2 Dubai Mementos for every AED 1 spent in Dubai
  • Earn 1 Dubai Memento for every AED 1 spent in other Emirates
  • Earn 2 Dubai Mementos for every AED 1 spent outside UAE
  • Redemption partners include AlShaya, Dubai Festival City, Oasis Center, Abu Dhabi Mall, Joyalukkas, Etisalat and many more.

 

Yearly Guaranteed Rewards

Spend AED 100,000 or more on retail purchases during the year to qualify for Bonus Mementos equivalent to the value of your total retail purchases**. For example, an accumulated spend of AED 110,000 during the course of one year of your membership will earn you 110,000 Bonus Mementos. These Mementos will be awarded after your anniversary date, upon your request. You can redeem Bonus Mementos for the full set of redemption options available.

Things To Be Aware Of

  • Cinema 50% off needs min spend of AED 2,000 p.m
  • Valet offer requires min spend of AED 2,000 p.m

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • 5% cashback on online purchases, utility bills, school fees
  • 5% cashback at the supermarket
  • 1% Cashback on everything else
  • Unlimited Airport Lounge access
  • 20% off on Careem rides

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

  • 5% cashback on online purchases including utility bills, travel bookings, school fees, fashion, electronics and everything else you buy online.
  • Up to 10% additional cashback on 1,500+ ecommerce sites with www.shopsmart.ae
  • Complimentary airport lounge access across MENA
  • Access to premium health clubs
  • Mastercard Priceless Cities offers
  • Travel and lifestyle benefits
  • Special offers and 0% payment plans across a range of premium partners.

Reward Features

Earn Cashback: 

Dubai First Cashback Card offers unlimited cashback with instant earning & redemption through the Dubai First Mobile app. 

  • 5% cashback on online purchases (including utility bills, travel bookings, school fees, fashion, electronics and everything else you buy online)
  • 5% cashback at the supermarket
  • 1% cashback on everything else
  • Unlimited cashback earning
  • No minimum spend
  • Cashback everywhere you shop
  • Up to 10% additional cashback on 1,500+ ecommerce sites with Shopsmart

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

  • Cashback is capped at max AED 1,000 p.m
  • 2.5% cashback if total spend is more than AED 20,000 p.m