What is a No Annual Fee credit card?

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.

How does a No Annual Fee credit card work?

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.

How to choose a No Annual Fee credit card?

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.

What are the charges and fees incurred for a No Annual Fee credit card?

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.

What are the requirements for applying for a No Annual Fee credit card?

It is very easy to apply for a no annual fee credit card as you need to be at least 21 years old and have a monthly income

What are the fees involved when using No Annual Fee credit cards?

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.

Who should get a No Annual Fee credit card?

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.

What are the advantages of using a credit card for No Annual Fee?

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.

Benefits of No Annual Fee credit cards

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.

No Annual Fee Credit Card

Al Hilal Bank Cashback Credit Card

Al Hilal Bank

Min. Salary

AED 5000

Annual Fees

AED 0

Interest Rate

3.2%

FX Rate

3.14%

Benefits

Airport Lounge Access

CashBack

Dining Benefit

Hotel Discounts

Purchase Protection

Sharia Compliant

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Al Hilal Bank Cashback Credit Card is a Sharia-compliant, no annual fee credit card that provides cashback benefits on most of the transactions made using the card. Users can choose 2 out of 5 spending categories to avail the cashback. The cashback credit cards also offer travel and lifestyle benefits.

Features:

Avail cashback on different categories including groceries, fuel, dining, education, and international spending.
Users can choose two spending categories to avail cashback up to 5%.
Unlimited access to airport lounges at over 25 regional and international locations including UAE, Saudi Arabia, Jordan, Kuwait, Egypt, Morocco, USA, UK, Canada, Germany, France, Singapore, and more.
Buy 1 and Get 1 offer on dining, premium spas, and leisure activities.
20% discount on Talabat online grocery and food orders that can be availed up to 2 times per month.

Fees and Charges:

Supplementary Annual Fee: Free for the 1st 3 cards; From 4th card onwards – AED 105
Late Payment Fee: AED 100
Over limit Fee: NA
Cash Advance Fee: 3.15% of the withdrawal amount

DIB SHAMS Platinum Covered Card

Dubai Islamic Bank

Min. Salary

AED 5000

Annual Fees

AED 208.95

Interest Rate

3.69%

FX Rate

3.70%

Benefits

Dining Benefit

Purchase Protection

Travel Insurance

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The DIB SHAMS Platinum Covered Card is a cash back credit card, offers 5% back on dining and travel. It includes complimentary multi-trip insurance, roadside assistance, and other lifestyle benefits. The card has no annual fee for the 1st year and remains free upon meeting the annual spend requirement.

Features:

No annual fee for the 1st year and the fee for the subsequent years will be waived on meeting a minimum spend of AED 15,000 per year.
Welcome bonus-1 provides 50,000 Bonus Wala’a rewards worth up to AED 250 for new customers. Bonus applicable on a minimum spend of USD 5,000 within 90 days of card issuance.
Welcome bonus-2 provides a 20% cashback on transactions made via Dubai Now, Talabat, Noon, Deliveroo, and Amazon. A maximum cashback of AED 15 is available per merchant per card with a total cap of AED 270 per month.
Up to 5% cash back on dining and travel spends. Cash back will be credited as Wala’s reward points.
Free multi-trip travel insurance covers up to $100,000 for the cardholder, spouse, and up to 4 children for trips up to 90 days.
Avail up to 5 supplementary cards at no extra cost. Supplementary card purchases are also eligible for reward points.

Fees and Charges:

Supplementary Annual Fee: Free
Late Payment Fee: AED 236.25
Over limit Fee: NA
Cash Advance Fee: AED 94.50

DIB SHAMS Infinite Covered Card

Dubai Islamic Bank

Min. Salary

AED 5000

Annual Fees

AED 733.95

Interest Rate

3.69%

FX Rate

3.70%

Benefits

Airport Lounge Access

CashBack

Dining Benefit

Golf Benefits

Hotel Discounts

Purchase Protection

Travel Insurance

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The DIB SHAMS Infinite Covered Card is a cash back credit card. It offers 5% cash back on dining and travel bookings, complimentary airport transfers and lounge access, and exclusive benefits like valet parking, golf rounds, and Fitness First access. Cardholders also get comprehensive travel coverage up to US$500,000, buyer’s protection, balance transfer facilities, and up to 5 free supplementary cards.

Features:

No annual fee for the first year and the fee for the subsequent years will be waived on meeting a minimum spend of AED 60,000 per year.
Welcome bonus-1 provides 200,000 Bonus Wala’a rewards (worth up to AED 1,000) for new customers upon spending USD 15,000 within 90 days of card issuance.
Welcome bonus-2 provides a 20% cashback on transactions made via Dubai Now, Talabat, Noon, Deliveroo, and Amazon. A maximum cashback of AED 25 is available per merchant per card with a total cap of AED 450 per month.
Get 12 complimentary airport lounge visits per year for the cardmember and a guest at over 1,200 lounges worldwide.
Avail 4 free golf rounds per month at 7 premium golf courses across the UAE.
Complimentary access to Fitness First Platinum and Titanium Clubs across the UAE.
Avail 4 free valet parking services per month at 20 key locations across the UAE.
Get up to 4 complimentary airport transfers per year from Abu Dhabi, Dubai, and Sharjah airports.
Avail up to 5 supplementary cards at no extra cost. Supplementary card purchases are also eligible for reward points.

Fees and Charges:

Supplementary Annual Fee: Free
Late Payment Fee: AED 236.25
Over limit Fee: NA
Cash Advance Fee: AED 94.50

ADCB Talabat Credit Card

ADCB

Min. Salary

AED 5000

Annual Fees

AED 0

Interest Rate

3.69%

FX Rate

2.99%

Benefits

Airport Lounge Access

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The ADCB Talabat Credit Card is a no annual fee credit card with a lot of Talabat benefits. Enjoy unlimited free deliveries and Talabat credits on Talabat orders. Powered by Mastercard, the card also provides travel benefits.

Features:

Get up to 35% back capped at AED 35 per month on Talabat orders as Talabat credits. The offer is applicable only on the first 10 delivery orders every month.
Unlimited free delivery on all Talabat pro orders on food, groceries, and pharmacy orders.
The minimum order on food orders is capped at AED 50 and AED 100 on talabat mart, groceries, and pharmacy orders.
Unlimited lounge access to more than 20 airports across the globe for both primary and supplementary cardholders.
Up to 10% cash back on travel bookings at booking.com.
Up to 8% discount on flight and hotel bookings on Cleartrip.

Fees and Charges:

Supplementary Annual Fee: Free
Late Payment Fee: AED 241.50
Over limit Fee: AED 288.75
Cash Advance Fee: 3.5% or AED 105 AED

ADCB talabat ADCB Islamic Card

ADCB Islamic

Min. Salary

AED 5000

Annual Fees

AED 0

Interest Rate

3.69%

FX Rate

2.99%

Benefits

Airport Lounge Access

Sharia Compliant

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The ADCB talabat ADCB Islamic Card is a no annual fee credit card with a lot of Talabat benefits. Enjoy unlimited free deliveries and Talabat credits on Talabat orders. Powered by Mastercard, the card also provides travel benefits.

Features:

Get up to 35% back capped at AED 35 per month on Talabat orders as Talabat credits. The offer is applicable only on the first 10 delivery orders every month.
Unlimited free delivery on all Talabat pro orders on food, groceries, and pharmacy orders.
The minimum order on food orders is capped at AED 50 and AED 100 on talabat mart, groceries, and pharmacy orders.
Unlimited lounge access to more than 20 airports across the globe for both primary and supplementary cardholders.
Up to 10% cash back on travel bookings at booking.com.
Up to 8% discount on flight and hotel bookings on Cleartrip.
No Annual Fees

Fees and Charges:

Supplementary Annual Fee: Free
Late Payment Fee: AED 241.50
Over limit Fee: NA
Cash Advance Fee: NA

NBF Platinum Exclusive Credit Card

National Bank of Fujairah

Min. Salary

AED 9000

Annual Fees

AED 0

Interest Rate

2.99%

FX Rate

2.50%

Benefits

CashBack

Cinema Benefits

Dining Benefit

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NBF Platinum Exclusive Credit Card is a cashback credit card. Additionally, the credit card offers various other offers and discounts on entertainment, dining and travel.

Features:

Up to 2% cashback on every Dirham spent
Monthly instalment plan at interest rates as low as 0%
Facility to transfer up to 70% of credit limit to your bank account
Two supplementary cards free of annual cost
Worldwide card acceptance

Fees and Charges:

Supplementary Card Annual Fee: First 2 free 3^rdOnwards AED 100
Late Payment Fee: AED 230
Over limit Fee: AED 125
Cash Advance Fee: 4% of cash advance or AED 50, whichever is higher

NBF Infinite Credit Card

National Bank of Fujairah

Min. Salary

AED 40000

Annual Fees

AED 0

Interest Rate

2.49%

FX Rate

2.50%

Benefits

Airport Lounge Access

CashBack

Cinema Benefits

Dining Benefit

Travel Insurance

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NBF Infinite Credit Card is a cashback credit card. It offers multiple benefits & privileges on hospitality, fine dining and leisure.

Features:

Up to 3% cashback on every Dirham spent
Monthly instalment plan at interest rates as low as 0%
Multi-trip travel insurance
Anytime concierge service
Unlimited airport lounge access
Extended warranty

Fees and Charges:

Supplementary Card Annual Fee: First 3 free from 4^th onwards AED 250
Late Payment Fee: AED 230
Over limit Fee: AED 125
Cash Advance Fee: 4% of cash advance or AED 50, whichever is higher

NBF Islamic Infinite Credit Card

National Bank of Fujairah

Min. Salary

AED 40000

Annual Fees

AED 0

Interest Rate

2.49%

FX Rate

2.50%

Benefits

Airport Lounge Access

CashBack

Dining Benefit

Sharia Compliant

Travel Insurance

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NBF Islamic Infinite Credit Card offers a host of benefits and privileges including the concierge service, airport lounge access, as well as incredible deals on hospitality, fine dining and leisure. This is sharia compliant card.

Features:

Lifetime free credit card
Up to 10% cashback on all dining spends
For every dirham you spend you earn up to 3% cashback.
Unlimited airport lounge access along with a guest
Round-the-clock concierge service
Multi-trip travel insurance
Extended warranty
This is sharia compliant card

Fees and Charges:

Supplementary Card Annual Fee: 3 Free supplementary cards, AED 250 from 4^th card onwards
Late Payment Fee: AED 230
Over limit Fee: AED 125
Cash Advance Fee: 4% of cash advance or AED 50, whichever is higher

NBF Islamic Platinum Credit Card

National Bank of Fujairah

Min. Salary

AED 9000

Annual Fees

AED 0

Interest Rate

2.99%

FX Rate

2.50%

Benefits

Dining Benefit

Sharia Compliant

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NBF Islamic Platinum Credit Card is a dining credit card. It offers various benefits such as competitive profit rates and flexible installment options. This is sharia compliant card.

Features:

Up to 10% cashback on all dining spends
Monthly instalment plan at interest rates as low as 0%
Free supplementary cards for your family
Facility to transfer up to 70% of credit limit to your bank account
Global card acceptance
This is sharia compliant card

Fees and Charges:

Supplementary Card Annual Fee: First 2 free 3^rdOnwards AED 100
Late Payment Fee: AED 230
Over limit Fee: AED 125
Cash Advance Fee: 4% or AED 50, whichever is higher

NBF Classic Credit Card

National Bank of Fujairah

Min. Salary

AED 5000

Annual Fees

AED 0

Interest Rate

2.99%

FX Rate

2.50%

Benefits

Cinema Benefits

Dining Benefit

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NBF Classic Credit Card comes with multiple benefits including cashback on movie tickets and offers on dining, travel and entertainment. The credit card also offers enhanced security and convenience with its ‘tap to pay’ feature.

Features:

Monthly instalment plan at interest rates as low as 0%
Facility to transfer up to 70% of credit limit into your bank account
Balance transfer facility at a promotional interest rate
Two supplementary cards free of annual cost
Worldwide card acceptance
Cinema benefits

Fees and Charges:

Supplementary Card Annual Fee: First 2 free 3^rdOnwards AED 100
Late Payment Fee: AED 230
Over limit Fee: AED 125
Cash Advance Fee: 4% or AED 50, whichever is higher