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
Earn EI SmartMiles per AED spend with Emirates Islamic Flex Credit Card. 2-for-1 deals on food and entertainment, credit shield, balance transfer, discount on hotel stays/ car rentals. It is a Sharia-compliant credit card.
Features:
EI SmartMiles rewards programme with rewards for every spends
Earn & redeem EI SmartMiles
Extended warranty
Hotels and Visa Platinum Offers
Sharia compliant credit card
Cinema and entertainment offers
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
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.
