We have found 227 credit cards for you.

Ajman Bank Power Platinum Credit Card

Ajman Bank

Min. Salary

AED 5000

Annual Fees

AED 400

Interest Rate

%

FX Rate

3.50%

Benefits

Cinema Benefits
Dining Benefit
Hotel Discounts
Sharia Compliant

Ajman Bank Power Platinum Credit Card is a reward credit card. It offers great rewards on redeeming the power points. Redemptions can be as flight tickets, hotel bookings or purchase of electronics.

Features:

  • 100% cash withdrawal from the available credit limit
  • Earn 1 point on every AED 10 spent on any purchase
  • Use the Ajmal rewards portal, ajmanrewards.ae to check and redeem points online
  • Power card is accepted worldwide in over 22 million locations
  • With Priceless Arabia get benefits of dining, shopping, entertainment, sports, travel & attractions
  • Monthly Fee applicable

Fees and Charges:

  • Supplementary Card Annual Fee: First 2 cards are free, then AED 50 per annum/card
  • Late Payment Fee: AED 125
  • Over limit Fee: AED 125
  • Cash Advance Fee: AED 150

ADIB Etihad Guest Gold Credit Card

ADIB

Min. Salary

AED 5000

Annual Fees

AED 1000

Interest Rate

3.75%

FX Rate

2.3%

Benefits

Airport Lounge Access
Sharia Compliant

The ADIB Etihad Guest Gold Credit Card is quoted as one of the most rewarding travel cards in the Middle East on the ADIB website. The Islamic Credit Card comes with travel benefits exclusively for Etihad Travellers. 

Features:

  • Earn bulk Etihad Guest Miles as a welcome bonus and Miles on every spent on the card. 
  • Redeem the Miles and travel anywhere with Etihad Airways.
  • Get a free companion ticket voucher on spending AED 150,000 or more on the card. The ticket allows you to travel on Etihad Airways to any place, in any class. 
  • Cardholders can obtain 2 free lounge visits per year to 850+ airports across the globe.
  • Fast track to Etihad Guest silver tier once the cardholder completes 4 return flights on Etihad Airways within the first 12 months of card issuance.

Fees and Charges:

  • Supplementary Annual Fee: Free for first 4 cards and from 5th card onwards AED 1000
  • Late Payment Fee: AED 100
  • Over limit Fee: AED 50
  • Cash Advance Fee: 3% of the withdrawn amount or a minimum of AED 99

ADCB Islamic Etihad Guest Infinite Card

ADCB Islamic

Min. Salary

AED 40000

Annual Fees

AED 2625

Interest Rate

3.69%

FX Rate

2.99%

Benefits

Airport Lounge Access
Dining Benefit
Golf Benefits
Hotel Discounts
Purchase Protection
Sharia Compliant
Travel Insurance

ADCB Islamic Etihad Guest Infinite Credit Card is an AirMiles Credit Card that comes with a lot of travel, lifestyle, reward, and other credit card benefits. Earn Etihad Guest Miles on every purchase made with the Islamic Card and redeem the miles to book tickets on Etihad Flights.

Features:

  • Welcome bonus of 60,000 Etihad Guest Miles during the 1st year of membership.
  • Monthly bonus of 5,000 Etihad Guest Miles on reaching monthly spends of USD 5,000 or more
  • Earn Etihad Guest Miles on every spend made with the credit card in a variety of categories. The Miles can be redeemed for flight bookings, shopping, holidays, car, hotel bookings, and more. 
  • Also earn Etihad Guest Tier Miles that help the cardholder to progress to the next tier within the Etihad Guest program.
  • Up to 4 complimentary flight class upgrade vouchers valid on Etihad Flights. 
  • Multi-trip travel insurance, which includes the cardholder, spouse, and up to 5 children.

Fees and Charges:

  • Supplementary Annual Fee: Free
  • Late Payment Fee: AED 241.50 
  • Over limit Fee: AED 288.75
  • Cash Advance Fee: 3.15% or AED 105 (whichever is higher)
  • Annual Fee (AED): AED 2,625 (Aspire & Private Club); AED 1,312.50 (Excellency)

ADIB Etihad Visa Platinum Credit Card

ADIB

Min. Salary

AED 5000

Annual Fees

AED 2000

Interest Rate

3.75%

FX Rate

-14.7%

Benefits

Airport Lounge Access
Sharia Compliant

 ADIB Etihad Platinum Card is a travel credit card exclusively designed for Etihad travellers. It offers Etihad Guest Miles on every transaction, free airport lounge access and companion ticket, fast track to Etihad Guest Gold Tier status, free roadside assistance, and many others.

Features:

  • Sign-up bonus of 50,000 Etihad Guest Miles. 
  • Earn up to 3 Etihad Guest Miles on every AED 4 spent on local AED and international non-AED transactions.
  • The card features both chip and PIN technology to provide advanced safety and convenience.
  • Four free lounge visits per year to more than 850 VIP airport lounges across the world.
  • Free valet parking at select locations in the UAE.

Fees and Charges:

  • Supplementary Annual Fee: Free up to 4th card, From 5th card onwards – AED 2,000
  • Late Payment Fee: AED 100
  • Over limit Fee: AED 50
  • Cash Advance Fee: 3% of the withdrawn amount or AED 99

Emirates Islamic Flex Elite Credit Card

Emirates Islamic

Min. Salary

AED 15000

Annual Fees

AED 700

Interest Rate

3.49%

FX Rate

2.34%

Benefits

Airport Lounge Access
Cinema Benefits
Golf Benefits
Hotel Discounts
Purchase Protection
Sharia Compliant
Travel Insurance

EI SmartMiles rewards programme and earn SmartMiles with Emirates Islamic Flex Elite Credit Card. Access to airport lounges, complimentary valet parking, 24 hour concierge, 2-for-1 deals. It is a Sharia compliant credit card.

Features:

  • EI SmartMiles rewards programme with rewards for every spends
  • Complimentary Airport Lounge Access, golf and free Valet Parking
  • Discount on domestic airport transfers
  • Cinema and entertainment benefits
  • Multi-Trip travel insurance
  • Sharia compliant credit card

Fees and Charges:

  • Supplementary Card Annual Fee: Free up to 4 cards
  • Late Payment Fee: AED 225
  • Over limit Fee: AED 249
  • Cash Advance Fee: 3% of cash advance amount or AED 99, whichever is higher

CBD Titanium Mastercard Credit Card

Commercial Bank of Dubai

Min. Salary

AED 5000

Annual Fees

AED 0

Interest Rate

3.45%

FX Rate

2.75%

Benefits

Airport Lounge Access
Dining Benefit
Hotel Discounts

CBD Titanium Mastercard Credit Card offers you CBD Rewards Program in which you can earn reward points for every dirham spent.

Features:

  • Earn CBD Reward Points for every spend
  • Free access to airport lounges
  • No annual fees on the card
  • Supplementary card free for Life
  • Mastercard Benefits on travel, hospitality, dining, wellness and lifestyle

Fees and Charges:

  • Supplementary Card Annual Fee: Free for life
  • Late Payment Fee: AED 241.50
  • Over limit Fee: AED 288.75
  • Cash Advance Fee: 3% or AED 105 (whichever is higher)

RAKBANK nmc Credit Card

RAKBANK

Min. Salary

AED 5000

Annual Fees

AED 0

Interest Rate

3.45%

FX Rate

2.10%

Benefits

CashBack
Dining Benefit

RAKBANK nmc Credit Card comes with various wellness benefits and other rewarding features and has been developed in association with nmc Group. It offers discount on diagnostic testing, cashback on purchases, cash advance facility, discounts on dining and shopping and much more.

Features:

  • Cashback on all retail purchases
  • 0% Easy Payment Plan
  • Discounts at nmc hospitals, pharmacies, opticians, beauty salons, restaurants and jewelers
  • Up to 55 days interest free credit
  • Discounts on dining and shopping
  • Cash advance facility available

Fees and Charges:

  • Supplementary Card Annual Fee: Free for life
  • Late Payment Fee: AED 230
  • Over limit Fee: AED 285
  • Cash Advance Fee: 3% or AED 99 (whichever is higher)

Standard Chartered Cashback Credit Card

Standard Chartered

Min. Salary

AED 8000

Annual Fees

AED 525

Interest Rate

3.45%

FX Rate

2.99%

Benefits

Airport Lounge Access
CashBack
Dining Benefit
Hotel Discounts
Purchase Protection
Travel Insurance

Standard Chartered Cashback Credit Card is a card that offers unlimited cashback on everyday spends. Apart from earning cashback, the card offers many privileges like complimentary airport lounge access, and more. Also, avail great savings on travel expenditure.

Features:

  • Earn cashback on local spending and on international spending.
  • Airport lounges Access and Visa Concierge Service
  • Multi-trip travel insurance and Buyers Protection
  • Cash advance on the available credit limit
  • No Annual fee for first year
  • Discounts at airport restaurants around the world with DragonPass

Fees and Charges:

  • Supplementary Card Annual Fee: Free (AED 105 from 3rd card onwards)
  • Late Payment Fee: 241.50 AED
  • Over limit Fee: 292.95 AED
  • Cash Advance Fee: 3.15% of cash advance amount or AED 105, whichever is higher

ADCB TouchPoints Titanium and Gold Credit Card

ADCB

Min. Salary

AED 5000

Annual Fees

AED 0

Interest Rate

3.69%

FX Rate

2.99%

Benefits

Airport Lounge Access
Cinema Benefits
Dining Benefit
Hotel Discounts

ADCB TouchPoints Titanium and Gold Credit Card is a no annual fee credit card with a wide range of travel and lifestyle benefits. Earn monthly bonus rewards, entertainment deals, and much more from the card.

Features:

  • A zero annual fee credit card with travel and lifestyle benefits. 
  • Buy 1 Get 1 offer on movie tickets (up to 2 tickets per month) at VOX Cinemas across 2D Standard and 2D Max Standard
  • Zero interest charges, low processing fees for up to 12 months on converting your child’s school and college fees into installments
  • Unlimited complimentary lounge access at more than 10 airport lounges globally

Fees and Charges:

  • Supplementary Card Annual Fee: Nil
  • Late Payment Fee: AED 241.50
  • Over limit Fee: AED 288.75
  • Cash Advance Fee: 3.15% or AED 105 (whichever is higher)

Dubai Islamic Bank Emirates Skywards DIB Infinite Credit Card

Dubai Islamic Bank

Min. Salary

AED 35000

Annual Fees

AED 2625

Interest Rate

3%

FX Rate

2.09%

Benefits

Airport Lounge Access
Dining Benefit
Hotel Discounts
Purchase Protection
Sharia Compliant
Travel Insurance

With Dubai Islamic Bank Emirates Skywards DIB Infinite Credit Card, earn Skywards Miles and get bonus Skywards Miles. Complimentary valet parking, airport lounge access, purchase protection. It is a Sharia compliant credit card.

Features:

  • Earn Skywards Miles on all local and foreign currency spends. You can use miles with Emirates and selected partners
  • Bonus Skywards Miles up to 75,000
  • Free valet parking and roadside assistance
  • Complimentary Emirates Skywards Silver membership, dining offers, health club privileges and exclusive member privileges at over 900 luxury hotel properties
  • Airport lounge access worldwide, International concierge services, easy payment plan with Emirates and 4 free valet parking services per month
  • It is a Sharia compliant credit card
  • Balance transfer and cash withdrawal facility
  • Complimentary travel insurance, purchase protection and extended warranty

Fees and Charges:

  • Supplementary Card Annual Fee: Free
  • Late Payment Fee: AED 236.25
  • Over limit Fee: 0
  • Cash Advance Fee: 3.15%

FAQ Section

A credit card lets you make purchases and pay later for it. It can be considered a small loan that you take from the bank, which must be returned within a fixed period.
When you apply for a credit card, the bank provides you with a credit limit to make purchases. Once you use your credit card to make a payment, your card details are sent to the bank. At the end of the month, you will receive a statement from the bank consisting of all transactions. You are required to pay off the amount before a fixed grace period. If you fail to do so, then the bank will charge you interest on your balance.

You can apply for a credit card in the UAE both online and offline. However, you need to make sure you meet the eligibility criteria to apply for a credit card that you want to apply for. In the UAE, your salary has to be AED 5000 and above to apply for a credit card and you should be above the age of 21.

With the ongoing scams and theft of credit cards, you must keep yourself aware of the ways to prevent it. Although your bank takes special care to never fall into fraud, the consumer’s knowledge is also essential.

Things you need to be aware of are phishing and skimming. Phishing is when a scammer tries to collect personal information about your card by tricking you. You can avoid it by never revealing your card information to anyone even if they claim to be from the bank.

Skimming happens when someone steals your card or relevant numbers. It can be done during a transaction or while using a shady website.  It is always recommended to keep your credit card safe and always watch out for suspicious places and websites.

Having a Credit card comes with a lot of benefits and advantages. A credit card lets you make purchases first and pay for them later. It lets you buy certain items such as a TV or a Laptop that you might not have the money for right now and pay for them later in installments.

Other benefits of credit cards include cashback, reward points, and frequent travel miles. Certain credit cards offer you cashback or reward points for every purchase you make. Reward points can be accumulated and redeemed to buy certain items. Travel miles lets you enjoy benefits related to air travel.

With a credit card, you can easily make purchases internationally. Some of the cards offer you discounts and deals on various restaurants and entertainment. A credit card comes with purchase protection and insurance; this way, you feel secure.

Not every credit card has an annual fee, and you can get some cards free for life. Certain cards that provide more benefits and deals, such as cashback, rewards, and travel miles may feature a membership fee. However, it is up to you to decide which one you want to apply for.

If your credit card gets lost or stolen, the first thing you should do is report it to your bank. You can get the reporting number on your transaction statement or the website, and you can call on that number or visit your nearest branch to report your case. You need to be fast in reporting; otherwise, you may be accountable for the transactions made using your card. If you report before any purchases are made, you are not liable to pay for it.

You can apply for a credit card either online or offline. The application process does not take up time if all your documents meet the eligibility criteria. To receive your card, you need to get the bank’s approved. After that, your credit card may get delivered to your address within a week.

Both of the ways have their virtues but online application is more convenient. Almost all bank offers online application of credit cards so that you can apply at the comfort of your home. With an online application, you can compare various credit cards of different banks and choose the best one. An offline application is best suited if you know which card you want. Otherwise, you would have to go from bank to bank to get information which can be time-consuming.

Some of the more common fee linked to your card are:

  1. annual fee and renewal fee that depends upon the type of card and benefits it provides
  2. credit shield
  3. card advance fee
  4. over-limit fee
  5. balance-transfer fee

You will be required to submit various documents when applying for a credit card in the UAE. These documents include the application form, copy of passport and visa if you are an ex-pat, Emirates ID for nationals, salary proof or salary slip, 3 months bank statement of salary transfer, and address proof.

You need to consider various factors before applying for a credit card. You can compare these factors of various cards and then choose the one that suits you. You need to check the things: the annual interest rate, minimum repayment tenure, annual fee, other charges, introductory interest rate, points and rewards, and cash backs.

The minimum amount due is your credit amount that you need to pay every month to avoid getting a late payment fee. Keep in mind that you still need to pay the full amount due to you to avoid interest being charged on your account. The minimum amount due only saves you from the penalty of not paying on time.

The joining bonus sometimes referred to as a welcome bonus, is a certain amount of reward that the bank grants you when you sign up for the credit card. This may include cashback, travel miles, and redeemable reward points. They are granted as a way to attract customers to apply for their cards. Joining Bonus depends upon the type of card and the more benefits your card provides the more the bonus but also the fee.

Every credit card requires a certain minimum income to be eligible for it. The minimum monthly income can vary depending upon the card, but the minimum salary required to apply for a credit card in the UAE is AED 5000. The eligible age for all credit cards is 21 years and above. Some of the credit cards are only for UAE nationals, so you are not eligible for them if you are an expatriate.

Yes, you can withdraw cash from your credit card using an ATM anywhere in the UAE. The amount of cash that you can withdraw depends upon your credit card. Generally, you are allowed to withdraw 50-80% of your total credit limit. However, there may be a cash advance fee applicable on your transaction which you need to keep in mind.

Interest is charged on your account only if you fail to pay off your credit card dues in full before the due date. If you are paying your entire credit balance on time each month then you need not worry about the interest charges. A statement of your transactions for the month is sent to you by the bank with the due date before which you have to pay it off.

At the end of your billing cycle, the bank will send you a statement consisting of all your transactions of the month. You will get information regarding the amount due and the due date on it. Other ways in which you can find out your due date is by online banking or by subscribing to the bank’s SMS facility. You can even call the bank and they will provide you with your balance amount.

You can pay your credit card bill either online or offline. For offline payment, you can either send a cheque to the bank or visit the bank and pay in cash. For online payment, you can pay through the bank’s app, online banking, wallet apps like Google Pay, or direct debit. You can also pay your credit dues by the United Arab Emirates Funds Transfer System or UAEFTS.

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