Best Credit Card In UAE
+971

MINIMUM SALARY

AED 10,000

RATE

2.99%

ANNUAL FEE

AED 750

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • First year free
  • Complimentary access to airport lounges
  • 20% off three Careem rides every month
  • 10% cashback on booking.com
  • 30% off on bookings at cleartrip.com

MINIMUM SALARY

AED 10,000

RATE

2.99%

ANNUAL FEE

AED 750

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.15% / Min 105

Key Features

  • Unlimited Cashback: Earn unlimited cashback on all retail spends with your UAB Credit Card. (Terms & Conditions apply)
  • Airport Lounge Access:Upgrade your travel experience with a digital and contactless experience from Mastercard Travel Pass, that gives you access to a network of 1,200+ airport lounges in over 135 countries around the world.
  • Easy Payment Plans: 0% interest for 6 months with a 3.15% processing fee or AED 52.50 (whichever is higher). 3, 9, and 12 months at 1% per month with AED 52.50 processing fee.
  • Priceless Specials: Access Buy 1 Get 1 offers and discounts on dining, fitness, beauty, hotels, and attractions via the Priceless Specials app. Register with your first 8 digits of your Mastercard.
  • Bicester Village Shopping Collection: Receive a complimentary VIP invite and access to VIP lounges at Bicester Village.
  • Careem: Get 20% off three rides every month with your UAB Credit Card.
  • AVIS Car Rental: Enjoy up to 25%-35% off car rentals across Europe, the Middle East, Africa, and Asia with your Platinum Mastercard.
  • Booking.com: Earn up to 10% cashback on bookings made through www.booking.com/mastercardmea using your Mastercard.
  • Cleartrip: Get up to 30% off on bookings at cleartrip.com using promo code MASTERCARD.
  • Visa Assistance: Full visa assistance for $15, saving you time on travel visa applications and appointments.
  • Purchase Protection: Protect your purchases against theft or accidental damage for up to 180 days, with coverage up to $2,000 per claim and a maximum of $5,000 over 12 months. (Mastercard Terms & Conditions apply)
  • Loan on Phone: 0% interest for 6 months with a 3.15% processing fee or AED 315 (whichever is higher). 3, 9, and 12 months at 1.90%, 1.29%, and 0.99% interest respectively, with a 2.10% processing fee or AED 210 (whichever is higher).
  • Balance Transfer: 0% interest for 6 months with a 3.15% processing fee or AED 315 (whichever is higher). Minimum balance transfer amount is AED 2,500, up to 80% of your UAB Credit Card limit.
  • Exclusive Privileges: Access exclusive offers on lifestyle, insurance, and travel through your UAB Platinum Credit Card.

Reward Features

Earn UAB Cashback:

  • 1%  on domestic spent 
  • 2%  on international spend

Things To Be Aware Of

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 5000

  • Balance Transfer
  • Airport Lounge Access
  • Complimentary Airport lounge access
  • No monthly caps on cashback
  • Travel by Careem with a 20% off 3 rides every month
  • Get up to 10% cashback on Booking.com
  • Mastercard Priceless offers

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 5,000

Non AED Transaction Fee

3.15

Cash Advance Fee

3.15% / Min 105

Key Features

  • Complimentary Airport Lounge Access at over 1200+ lounges in over 135 countries through travelpass
  • 20% OFF three rides every month
  • Get up to 10% cashback on Booking.com
  • Access handpicked experiences and offers in cities around the world.
  • LOAN ON PHONE at 0% interest for 6 months followed by 1.90% for 3 months, 1.29% for 9 months and 0.99% for 12 months.

Reward Features

Earn Cashback

  • 1% on domestic spend
  • 2% on international spend

There are no Monthly cap

Things To Be Aware Of

MINIMUM SALARY

AED 40,000

RATE

2.79

ANNUAL FEE

AED 1,500

  • First Year Free and unlimited cashback
  • Access 1,200+ airport lounges worldwide
  • 0% interest for 6 months on Balance Transfers
  • 10% cashback on Booking.com
  • 10% discount on Cleartrip

MINIMUM SALARY

AED 40,000

RATE

2.79

ANNUAL FEE

AED 1

Non AED Transaction Fee

3.15%

Cash Advance Fee

3.15 % / or AED 105

Key Features

  • Unlimited Cashback: Earn unlimited cashback on all your retail spends with your UAB World Mastercard Credit Card. (Terms & Conditions apply)
  • Hertz Gold Plus Membership: Enjoy complimentary upgrades and discounts with your Hertz Gold Plus Rewards® Five Star Membership.
  • Careem Rides: Get 20% off on three Careem rides every month with your UAB World Mastercard Credit Card.
  • Avis Car Rental: Save 25% to 35% on your next car rental across Europe, the Middle East, Africa, and Asia with Avis when you use your UAB World Mastercard.
  • Luxury Serviced Apartments: Receive a 10% discount on bookings at over 2,500 luxury serviced apartments with Onefinestay in cities like London, Paris, New York, and more.
  • Booking.com: Earn up to 10% cashback on bookings made through [Booking.com](https://www.booking.com/mastercardmea) using your UAB World Mastercard Credit Card.
  • Cleartrip: Get a 10% discount on international roundtrip bookings at [Cleartrip](https://www.cleartrip.com) using the promo code MCWORLD and pay with your UAB World Mastercard.
  • Visa Assistance: Avail visa assistance for $15, helping you apply for and book travel visa appointments more conveniently.
  • Priceless Specials: Enjoy Buy 1 Get 1 and other exciting offers on dining, fitness, beauty, hotels, and attractions with the Priceless Specials app. Register with your UAB World Mastercard to start saving.
  • Bicester Village VIP Access: Receive a complimentary VIP invite and access to VIP lounges at Bicester Village.
  • Balance Transfer: 0% interest for 6 months with a 3.15% processing fee or AED 315 (whichever is higher). Transfer a minimum of AED 2,500 up to 80% of your UAB Mastercard Credit Card limit.
  • Loan on Phone: 0% interest for 6 months with a 3.15% processing fee or AED 315 (whichever is higher). Choose 3, 9, or 12 months at 1.90%, 1.29%, and 0.99% interest rates with a 2.10% processing fee or AED 210 (whichever is higher).
  • Travel Insurance: Enjoy Travel Inconvenience Insurance and Travel Medical Insurance (up to $500K) when you purchase tickets using your UAB World Mastercard. Visit [MC Peace of Mind](https://www.mcpeaceofmind.com/world) for claims.
  • Airport Lounge Access: Access 1,200+ airport lounges worldwide with the Mastercard Travel Pass app. Enjoy a digital and contactless experience by registering your UAB World Mastercard.
  • Apple Pay: Use your UAB World Mastercard Credit Card with Apple Pay for fast, easy, and secure contactless payments on your iPhone, Apple Watch, iPad, and Mac.

Reward Features

Indulge in exclusive experiences with unlimited cashback when you use your UAB World Mastercard Credit Card. Maximise your cashback by shopping across categories and brands at all local and international retail chains.

  • 1% on domestic spend and 1% on international spend
  • *No minimum spends. No cashback cap.

United Arab Bank

UNITED ARAB BANK, P.J.S.C. (UAB) was incorporated on 1975 as a joint venture between diverse UAE investors and the French international financial conglomerate, Société Générale (SG).

Based in Sharjah and operating with 11 branches throughout the UAE, the Bank offers its clients tailor-made financial services in both corporate and retail banking, and has mainly established itself as a leading solutions provider for a growing commercial and industrial base across the seven emirates.

Through the provision of a comprehensive range of Corporate Banking, Retail Banking, Trade Finance, SME banking and Treasury services, UAB is the Bank of choice among major corporate clientele segments in the UAE. With the launch of its "Sadara" premium banking service and Islamic Banking Services, the Bank has grown its retail customer base, aiming to expand further.

UAB has formally concluded a strategic alliance with The Commercial Bank (Q.S.C.). Described by investment analysts from around the region as a natural strategic fit, CB made an acquisition of 40% interest in UAB in December 2007, in one of the few GCC cross border agreements between two national banks – the first between banks from Qatar and the UAE.

UAB provides

  • Accounts
  • Credit Cards
  • Loans
  • Deposits

UAB Credit Cards

UAB offers credit cards in UAE under the travel and rewards segments. UAB Rewards are the loyalty reward and they have a suite of products which offer multiple benefits to customers.

Popular Cards from United Arab Bank (UAB) Income Eligibility Annual Fee Interest / Profit Rate
United Arab Bank Platinum Credit Card AED 10,000 AED 750 2.99%
United Arab Bank Titanium Credit Card AED 5,000 AED 5000 3.19%
United Arab Bank World Credit Card AED 40,000 AED 1,500 2.79

FAQs

United Arab Bank’s Business Credit Card and Titanium Credit Cards are offered at AED 5000 per month.

UAB offers Rewards, Business, and Islamic Credit Cards. These products are listed on Soulwallet and one can make use of the comprehensive comparisons available on Soulwallet platform.

To apply for Credit Card with United Arab Bank, one would need to provide the following documents. 1) EID, Passport and Visa Copies 2) Income Document – Either IBAN or 3 months Bank statements or Original Salary Certificate

UAB Credit Cards offer features such as Golf, Cinema, Airport Transfers and purchase protection and extended warranty. UAB’s Infinite credit card is a free premium credit card. One can do detailed product level comparisons at soulwallet.com

One can apply for a UAB credit card through 

  • Visiting one of the bank’s branches and submitting required documents

  • Apply directly on the bank’s online application forms.

  • Banks Kiosks at various locations

Soulwallet offers detailed feature comparison and customized tools which assist customers in making a well-informed personal finance decision.

While there are no Annual Maintenance Fee on the cards, Interest rate ranges from 2.79% to 3.19% depending on the card. Non-AED transaction fee is 2.5% and cash advance fee is 1.00 % / AED 100

Soulwallet provides comprehensive and simple to use comparison tools which can help customers identify most suitable credit cards and personal finance options.  The level of detail in comparison is unique and rich in quality. Soulwallet’s smart algorithm-based Best fits credit card tool can show customers which cards can save maximum Dhirams based on their customized spend.