What is a Travel credit card?

A card through which the consumer gets the reward in the form of some miles or points which the consumer can use for certain purchases like hotel rooms, flights, is a Travel credit card. Also your get travel benefits like airport transfers, concierge service etc.

How does a Travel credit card work?

It works the same as that any other reward credit card. A person accumulates points because of the various transaction that they do on the travel credit card, The user gets extra points when used for Travel purchases depending on the type of alliance or partnership of the card These travel points can then be redeemed for travel benefits or other features depending on the redemption procedure for the card.

How to choose a Travel credit card?

Points to be considered while choosing Travel credit cards are as follows: You have to decide whether to choose a co-branded or general credit card. Choose credit cards that will give you a signup bonus and high prizes. Choose credit cards that offer the perks and the protection you need.

What are the charges and fees incurred for a Travel credit card?

The annual percentage rate for Travel credit cards is similar to the interest of other regular credit cards Some cards come with a joining fee criteria, while in some there is no need to pay a joining fee

Do credit cards also offer travel benefits?

Yes, cards do offer travel benefits.

What are the requirements for applying for a Travel credit card?

Following are the requirements for applying for a Travel credit card Emirates id copy Passport copy Annual income Address Date of birth

What are the advantages of using a credit card for Travel?

Following are the advantage of using Travel credit cards: Accumulate travel points that can be redeemed against travel-related benefits like flight tickets, hotel booking etc. Some of the cards come with an additional benefits such as: zero liability on lost card welcome gift travel insurance

Benefits of Travel credit cards

Lot of prize points or air miles are offered by Travel credit cards in form of a welcome gift At International and Domestic airlines, points can be saved for air miles. free tickets are also offered on select airlines by some cards.

How to redeem Travel points?

Following are the points by which we can redeem Travel points: When you pay with a credit card for your Travel, you save your points as statement credits. Send a request to save points as a statement credit after logging into your account.

Travel Credit Card

The American Express Corporate Card

The American Express

Min. Salary

AED 0

Annual Fees

AED 370

Interest Rate

2.5%

FX Rate

2.94%

Benefits

Airport Lounge Access

Dining Benefit

Hotel Discounts

Travel Insurance

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The American Express Corporate Card provides businesses with enhanced control over expenses, better spending visibility, cost savings, and efficient payment processes. Employees also benefit from valuable rewards and perks.

Features:

Individual spending limits can be set for each Corporate Card based on the employee’s needs.
8 complimentary visits per year to 1,500 Priority Pass airport lounges across 140 countries across the globe. Get easy access to the lounges through the Priority Pass Mobile app.
Cardholders can avail of emergency services like Cash Access, Emergency Card Replacement, and Global Assistance.

Fees and Charges:

Supplementary Annual Fee: NA
Late Payment Fee: AED 50
Over limit Fee: NA
Cash Advance Fee: 5% or AED 50, whichever is higher.

The American Express Company Card

The American Express

Min. Salary

AED 18400

Annual Fees

AED 120

Interest Rate

2.5%

FX Rate

2.94%

Benefits

Airport Lounge Access

Dining Benefit

Hotel Discounts

Travel Insurance

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The American Express Company Card allows companies to centrally manage employee expenses, travel bookings, and on-the-go purchases. Companies can tailor the program to suit their business needs with personalized support from Amex Business Consultants.

Features

The Extend Cash Flow feature enables the use of the card to pay invoices and extend cash flow by up to 60 days.
8 complimentary visits per year to 1,500 Priority Pass airport lounges across 140 countries across the globe. Get easy access to the lounges through the Priority Pass Mobile app.
Cardholders can avail of emergency services like Cash Access, Emergency Card Replacement, and Global Assistance.
Business travelers are covered with up to USD 100,000 in Travel Accident Insurance for every trip, along with Travel Inconvenience Insurance and Personal Possession Insurance.
Companies can take up to 99 supplementary credit cards on a primary card at a fee.

Fees and Charges

Supplementary Annual Fee: USD 25 for up to 99 cards
Late Payment Fee: AED 10
Over limit Fee: NA
Cash Advance Fee: NA

ADIB Exceed Visa Covered Credit Card

ADIB

Min. Salary

AED 5000

Annual Fees

AED 99

Interest Rate

3.75%

FX Rate

2.3%

Benefits

Sharia Compliant

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ADIB Exceed Visa Covered Credit Card offers Exceed Reward points for every AED spent, redeemable for utility payments, shopping vouchers, and travel. Cardholders also benefit from free roadside assistance within the UAE once a year.

Features:

Earn Exceed reward points on every spend
Free roadside assistance within the UAE once a year
Zero charges for 4 supplementary credit cards
Upto 55 days grace period for monthly payment

Fees and Charges:

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

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

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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

ADIB Emirates Skywards Visa Signature Credit Card

ADIB

Min. Salary

AED 5000

Annual Fees

AED 1500

Interest Rate

3.75%

FX Rate

2.3%

Benefits

Airport Lounge Access

Golf Benefits

Sharia Compliant

Travel Insurance

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ADIB Emirates Skywards Visa Signature Credit Card offers a travel experience with up to 25,000 bonus Skywards Miles. Enjoy exclusive benefits such as Emirates Skywards Silver membership, unlimited global lounge access, and complimentary airport transfers.

Features:

Welcome bonus on the first spend up to 25000 Skywards miles
Earn Skyward miles on every AED 3.68 spent using the card
Home check-in service in Dubai two times a year
Two airport transfers from anywhere within city limits in the UAE
Airport lounge access worldwide through the Visa Airport Companion app
Golf benefits for the cardholders at The ELS Golf Club & Arabian Ranches Golf Club, Dubai, and the Abu Dhabi Golf Club, Abu Dhabi
Travel inconvenience cover covers lost or damaged baggage up to USD 3,000; baggage delay cover of USD 500; trip delay cover of USD 500, and trip cancellation cover of USD 7,500.
Travel Medical Cover powered by Visa for cardholders and family members.

Fees and Charges:

Supplementary Annual Fee: Free for first 4 cards and from 5th card onwards AED 1500
Late Payment Fee: AED 100
Over limit Fee: AED 50
Cash Advance Fee: 3% of the withdrawn amount or a minimum of AED 99

ADIB Emirates Skywards Visa Infinite Credit Card

ADIB

Min. Salary

AED 5000

Annual Fees

AED 4500

Interest Rate

3.75%

FX Rate

2.3%

Benefits

Airport Lounge Access

Golf Benefits

Sharia Compliant

Travel Insurance

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ADIB Emirates Skywards Visa Infinite credit card offers travellers many travel and lifestyle benefits including Skyward Miles, unlimited airport lounge access, airport transfers, Emirates Skywards silver membership, and a fast track to gold tier status.

Features:

Welcome bonus up to 25000 skyward miles on the first spend
The primary cardholder can achieve Emirates Skywards Gold tier membership by spending a minimum of USD 5,000 with Emirates, valid for 12 months from activation.
Earn Skyward miles on every AED 3.68 spent using the card
Unlimited lounge access to more than 1200 airport lounges worldwide, including 220 airports in Central Europe, the Middle East, and Africa.
Home check-in service in Dubai four times a year.
Four airport transfers from anywhere within city limits in the UAE
Golf benefits for the cardholder and one guest at The ELS Golf Club & Arabian Ranches Golf Club, Dubai, and the Abu Dhabi Golf Club, Abu Dhabi

Fees and Charges:

Supplementary Annual Fee: Free for first four cards and from 5th card onwards AED 4500
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 TouchPoints Platinum Credit Card

ADCB

Min. Salary

AED 8000

Annual Fees

AED 630

Interest Rate

3.69%

FX Rate

2.99%

Benefits

Airport Lounge Access

Cinema Benefits

Dining Benefit

Golf Benefits

Hotel Discounts

Purchase Protection

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The ADCB TouchPoints Platinum Credit Card is a lifestyle credit card loaded with reward points, dining & entertainment discounts, and travel benefits. Powered by both Mastercard & Visa, the credit card is free for the first year of subscription.

Features:

Zero annual fee for the 1st year.
Buy1 and Get 1 movie ticket at Vox Cinemas
20% discount on food orders at Talabat without minimum order requirement.
Shopping discounts at Farfetch.
Mastercard holders can get unlimited free lounge access at 20+ airports across the globe for both primary and supplementary cardholders.
Visa cardholders can get 3 free lounge access at 1,000+ airports across the globe

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 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

ADCB ALL – ADCB Signature Credit Card

ADCB

Min. Salary

AED 20000

Annual Fees

AED 1050

Interest Rate

3.69%

FX Rate

2.99%

Benefits

Airport Lounge Access

Dining Benefit

Hotel Discounts

Travel Insurance

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The ALL – ADCB Signature Credit Card is a lifestyle credit card that provides a variety of lifestyle benefits. Enjoy exclusive discounts at select hotels and premium travel benefits at airport lounges across the globe.

Features:

Exclusive lifestyle and travel benefits including special stay benefits, discounted beach access, free airport lounge access, travel insurance and more.
Unlimited lounge access to more than 1,000 airports across the globe for both primary and supplementary cardholders.
Credit shield insurance covers all credit card payments made across the globe protecting the cardholder from any fraudulent transactions.
Avail 0% interest on school fee payments.
FlexiPay feature to repay retail balances in easy monthly payments.
Transfer outstanding credit card balances from other banks and enjoy low interest rates.
Credit card loans at zero interest rates.

Fees and Charges:

Supplementary Annual Fee: AED 262.50 for each card
Late Payment Fee: AED 241.50
Over limit Fee: AED 288.75
Cash Advance Fee: 3.5% or AED 105 AED