The SimplyLife Cashback credit card is a no annual fee card that offers cashback on everyday spends. The benefits of this card range from free movie tickets to complimentary airport lounge access to more. It can also be used to make credit card bill payments free of charge.
Features:
Get 1% cashback on every purchase and a maximum cashback of AED 1000 every month
No annual fees
Get Airport Lounge access
Personal payment plans with instalments of 6,9,12, 24, or 18 months
Balance transfer option to transfer outstanding balances of other cards to SimplyLife card
Cash advance up to available cash limit
Fees and Charges:
Late Payment Fee: AED 241.50
Over limit Fee: AED 288.75
Cash Advance Fee: 3.15% or AED 105 (whichever is higher)
The SimplyLife Family Credit Card is a no annual fee credit card that offers many benefits and privileges for you and your family. Use this card to avail lifestyle and travel benefits. The other features of this card are cash advance, balance transfer, personal payment plan, and more.
Features:
Cardholders can get life insurance cover.
Easy payment of credit card bills in various locations
Transfer outstanding balances from other cards and payback at low-interest rates
Avail cash advance up to available credit limit
Repay everyday purchases with personal payment plans of easy installments of 6, 9, 12, 18, or 24 months
Travel and Movie discounts
You can Personalise your card with a photo of your choice
Fees and Charges:
Late Payment Fee: AED 241.50
Over limit Fee: AED 288.75
Cash Advance Fee: 3.15% or AED 105 (whichever is higher)
Ajman Bank BRight Titanium Credit Card is a reward and travel credit card. It is a free for life card with complimentary access to lounges. You can accumulate faster reward points with this card and use it to purchase flight tickets, hotel stays and as gift vouchers.
Features:
No annual fee on the main and first two supplementary cards.
Earn 1 BRight Reward point for every AED 10 spent
Complimentary airport lounge access worldwide
Valet parking in over 35+ locations for 2 times a month
Fees and Charges:
Supplementary Card Annual Fee: 2 cards are free and then AED 50 per annum per card
RAKBANK World Credit Card is a cashback credit card with shopping, lifestyle, and travel benefits. It also provides airport lounge access, 0% Easy Payment Plans, one free supplementary card, and 55 days interest-free credit with no annual fee charged for the first year.
Features:
Cashback on domestic and international travel spends, supermarket purchases, and domestic and international retail spends
Discounts on movie tickets
Complimentary airport lounge access and discounts on car rentals internationally
Fulfill Visa Assistance at $15
Travel accident and medical cover, purchase protection, and credit card insurance, and 24 hours roadside assistance
Global Blue VIP Services
Dinning, cinema and shopping offers
Fees and Charges:
Supplementary Card Annual Fee: Free for first card and AED 200 for additional cards
Late Payment Fee: AED 230
Over limit Fee: AED 285
Cash Advance Fee: AED 99 or 3%, whichever is higher
The RAKBANK Islamic World Credit Card is an Islamic credit card that offers reward points across all categories of spends along with exclusive discounts and privileges on travel, dining, shopping, etc., as well as global airport lounge access. This is sharia compliant credit card.
Features:
No joining fee for the first year
First supplementary card is free
Earn reward points across all categories of daily and luxury spends
Airport lounge access complimentary across hundreds of lounges worldwide
Discounts and benefits on travel, dining, and lifestyle spends
This is sharia compliant credit card
MasterCard Buy 1 Get 1 Offers and other offers
Fees and Charges:
Supplementary Card Annual Fee: AED 200 for additional supplementary card
The RAKBANK Islamic Platinum Credit Card is a Sharia-compliant credit card with Takaful benefits, no annual fee, easy utility bill payments, as well as travel, dining, and lifestyle benefit and privileges and free supplementary cards.
Features:
RAKrewards earned across spends in all categories
Travel accident Takaful and Purchase Protection is complimentary
Unlimited airport lounge access in VIP lounges across the Middle East
Free purchase protection
Exclusive discounts on shopping, dining, hotel, and travel
The RAKBANK Islamic Gold Credit Card is a sharia compliant credit card with no annual fee, Takaful benefits, global acceptance with cash withdrawals possible worldwide, rewards earned across all categories of spends, and discounts and privileges on dining, travel, and lifestyle.
Features:
Earn rewards on domestic and international purchases for every AED spent
Redeem rewards for airline tickets, hotel bookings, dining, electronics, home appliances, and more
No annual fee
Free supplementary cards
Free Travel Accident Insurance and Purchase Protection
The RAKBANK HighFlyer Platinum Credit Card offers reward points that can be redeemed for airline loyalty miles of over 300 airlines. Earn reward points for both domestic and international spends. Also avail discounts, privileges, and benefits across various lifestyle categories.
Features:
Earn RAKrewards on all your domestic & international spends
Earn up to 30% quarterly bonus RAKrewards
Redeem points for air travel tickets in over 300 airlines
Redeem points for stays at over 300,000 hotels locally and internationally
No annual fees
Unlimited, complimentary access to Lounges
Free travel accident insurance and purchase protection
Lifestyle and travel benefits
Fees and Charges:
Supplementary Card Annual Fee: Free
Late Payment Fee: AED 230
Over limit Fee: AED 285
Cash Advance Fee: AED 99 or 3% whichever is higher
The RAKBANK Islamic My Ras Al Khaimah Platinum Credit Card is an Islamic and Sharia-compliant credit card that provides reward points for spends across all categories in Ras Al Khaimah. You also get complimentary airport lounge access, discounts and privileges for dining, entertainment, lifestyle, holidays, and jewellery in Ras Al Khaimah and other places.
Features:
Sharia-compliant credit card
Earn RAKrewards Point for your spends
Free for life
Travel accident insurance
Redeem rewards at airlines, hotels, home appliances, and electronics
RAKBANK FC Barcelona Platinum Credit Card provides discounts for Barcelona FC holiday packages that includes FC Barcelona match tickets, Camp Nou stadium visits, hotels, and flights. Earn reward points for spends on utility bills, shopping, daily necessities, hotels, flights, and more.
Features:
RAKBarçaRewards for every spend
Get Bonus RAKBarçaRewards
Special packages inclusive of hotels and flights to Barcelona for FC Barcelona match tickets at Camp Nou stadium with local sightseeing
2 Exclusive offers on football coaching
Discounts on dining, entertainment, vacations, fitness, and accessories
0% Easy Payment Plans
Free travel accident insurance and Purchase protection
Free chauffeured airport pick-up or drop off service and airport lounge access
Fees and Charges:
Supplementary Card Annual Fee:
Late Payment Fee: AED 230
Over limit Fee: AED 285
Cash Advance Fee: AED 99 or 3% whichever is higher
No annual fee credit card is different from our credit cards, it basically bridges the gap between the customers expectations and bank offerings. As for a normal credit card you need to keep the account status active. Moreover they automatically deduct the annual fee from the account. And it’s not like you would get less perks and benefits. It’s just that both the cards have different and equal perks and benefits. No annual fee credit card is basically for the people who don’t use the card on daily bases so that they don’t worry about the annual fee.
It’s very similar to the basic credit card. The only difference is that no annual credit card doesn’t charge the yearly fee and the normal credit cards have some yearly fee to use the card. Just like a normal card you have a pin to access it.
There are alot of banks who offer no annual credit cards. Banks also have different offers and deals on credit cards, so it’s better to look into all the deals and then decide according to your own requirement.
Every card has its charges, fees and interests, but majorly no bank charges any extra charges for the no annual fee credit card. The process is similar to a normal credit card.
No, there are no such fees. It’s like a basic credit card. You have your own security pin to access the card. And while making an online payment, you put the details and to make the payment you get an OPT on the linked mobile phone number.
People who are very sensible while using a card should get a no annual fee credit card as they hardly use it. If they don’t even use it that much to pay an annual fee for no reason.
Having a credit card is always a plus one, when there’s no annual fee credit card its even better. As it gives you the opportunity to build credit, earn rewards like cash backs, even protection against credit card fraud and increased purchasing power.
There are alot of benefits of having a no annual fee credit, as it saves on interest and fees, you get better credit rewards, your credit score keeps on increasing every time you use it. You can make transactions sitting at home while using a card.
