Dubai Islamic Bank Prime Classic Credit Card id no annual fees that earn rewards. Avail balance transfers, instant cash withdrawal, roadside assistance, credit shield takaful and more. This is sharia compliant card.
Features:
Access to DIB loyalty program, earn wala’a rewards for every spends
Roadside assistance
Instant cash withdrawal Balance transfer facility
No annual fee
Travel and Accident insurance provided
Sharia-compliant card
Credit Shield Takaful provided for a fee of 0.89% of the card outstanding
Get access to the DIB loyalty program with Dubai Islamic Bank Al Islami Gold Premium Credit Card. Earn rewards for every AED spend, roadside assistance, credit shield takaful, travel insurance and much more. This is sharia compliant card.
Features:
DIB loyalty program – Wala’a Rewards on all spends
This is sharia compliant card
No annual fee and interest on card
Has monthly card subscriptions of AED 475
Unlimited number of Roadside assistance services
Travel & Accident insurance and credit shield takaful
ADIB Smiles Classic Credit Card is a zero annual fee credit card. Cardholders can earn Smiles points and redeem them for travel, lifestyle, and dining benefits. Family members can get add-on credit cards for free.
Features:
A no annual fee credit card with lifestyle benefits.
Download the Smiles App and get 1+1 offers and other discount deals
Balance transfer facility available to transfer outstanding on other bank credit cards to ADIB credit card.
Transfer money from the card to a selected bank account with just a phone call.
Shop with the card and pay back in easy monthly installments (EMIs) of 3/6/9/12 with zero monthly interest and processing fee.
Fees and Charges:
Supplementary Annual Fee: Nil
Late Payment Fee: AED 100
Over limit Fee: AED 50
Cash Advance Fee: 3% of the withdrawn amount or AED 99
Mashreq Noon Credit Card is an e-commerce shopping credit card. The credit card offers cashbacks and various other benefits on shopping. This credit card comes with zero annual fees.
Features:
No annual fees on primary and supplementary cards
Gives welcome bonus of AED 500 if you are a new credit card customer (AED 100 for existing credit card holders)
5% cashback on noon, NowNow & Sivvi spends
1% cashback on all other spends
Free delivery on noon express orders
With visa offers
Comes with pay protect insurance
Fees and Charges:
Supplementary Card Annual Fee: AED 0
Late Payment Fee: AED 241.5
Over limit Fee: AED 303.45
Cash Advance Fee: 3.15% or 210 AED whichever is higher
With Emirates NBD U By Emaar Family Credit Card, you can earn back as Upoints and redeem instantly. Buy one get one offers, 24×7 roadside assistance, discounts on spas, wellness centres and much more.
Features:
Earn back as Upoints
Zero interest Instalment Plan
Purchase protection
24×7 roadside assistance
No annual fee on primary card
Fees and Charges:
Supplementary Card Annual Fee: Multiple supplementary cards at no cost
Late Payment Fee: AED 230 per month
Over limit Fee: AED 279 per month
Cash Advance Fee: 3% or AED 99, whichever is higher
Emirates NBD LuLu 247 Mastercard Titanium Credit Card provides cardholder to earn back as LuLu Points. Avail Buy 1 get 1 free offers, discounts on car rental, spas & wellness centres and much more.
Features:
Earn LuLu Points
Airport lounge access
Travel discount on Cleartrip
Instant cash withdrawal
Easy Instalment Plans
Fees and Charges:
Supplementary Card Annual Fee: Multiple supplementary cards at no cost
Late Payment Fee: AED 230 per month
Over limit Fee: AED 279 per month
Cash Advance Fee: 3% or AED 99, whichever is higher
ADCB Lulu Titanium Credit Card is a Shopping Credit Card that offers LuluPoints, which can be redeemed at any LuLu Hypermarket across the UAE. The credit card also offers travel, lifestyle, and entertainment benefits
Features:
Zero annual fees credit card hence is free for a lifetime
Earn Lulu points on all spends made at Lulu Hypermarkets and other retail purchases.
Get complimentary airport lounge access across global airports.
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)
ADCB Lulu Platinum Credit Card is a shopping credit card that offers LuluPoints, which can be redeemed at any LuLu store across the UAE. The credit card also offers travel, lifestyle, and entertainment benefits
Features:
Zero annual fees credit card hence is free for a lifetime
Up to 8 LuluPoints or 8% back as Lulu points per AED 1 spent at Lulu stores. No minimum spend required to get the points.
A minimum of 5,000 Lulu points (worth AED 50) can be redeemed at any Lulu stores across the UAE.
Avail 1+1 movie ticket offer at Reel Cinemas. Offer valid for up to 2 free tickets per month.
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)
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)
Mashreq Cashback Credit Card is a cashback credit card. It is free for life and comes with a host of benefits and offers on dining, travel, etc. It offers welcome bonus.
Features:
Free for life
Free supplementary card
Unlimited cashback
Get cashback upto 5% on transaction
Pay protect insurance
Cashback on every spend
Welcome bonus
Fees and Charges:
Supplementary Card Annual Fee: AED 0
Late Payment Fee: AED 241.5
Over limit Fee: AED 303.45
Cash Advance Fee: 3.15% or AED 210, 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.
