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 - Page 2 Of 16

Ajman Bank ULTRACASH Credit Card

Ajman Bank

Min. Salary

AED 10000

Annual Fees

AED 500

Interest Rate

4.2%

FX Rate

3.68%

Benefits

Airport Lounge Access

CashBack

Hotel Discounts

Sharia Compliant

Apply Now Compare +

Ajman Bank ULTRACASH Credit Card is an Islamic credit card with cashback and lifestyle benefits. Named Touch Card Mastercard, the card comes with small notches on the surface to enable visually impaired users to identify and use the card easily.

Features:

Cardholders receive a welcome bonus of up to AED 500 and cashback of up to 20% on select categories of spends.
The 2nd year annual fee will be waived on spending AED 12,000 on retail spends.
The card features small notches on its surface to help individuals with sight loss and partial vision to easily identify and use the credit card by just touching it.
The card offers unlimited complimentary lounge access to over 25 regional and international airports across the UAE, Saudi Arabia, Jordan, Kuwait, Egypt, Morocco, USA, UK, Canada, Germany, France, Singapore and more.
Free valet parking 3 times a month at over 35+ locations in Dubai, Abu Dhabi, Majid Al Futtaim (MAF) Malls, and others. Service is available on a minimum card usage of AED 5,000 per month.

Fees and Charges:

Supplementary Annual Fee: First 2 cards – NIL, 3rd Card onwards – AED 50
Late Payment Fee: AED 125 per month
Cash Advance Fee: AED 150 per transaction up to AED 5,000

Citi Ultima World Elite Credit Card

Citibank

Min. Salary

AED 36750

Annual Fees

AED 3000

Interest Rate

3.50%

FX Rate

2.99%

Benefits

Airport Lounge Access

Cinema Benefits

Golf Benefits

Hotel Discounts

Purchase Protection

Apply Now Compare +

The Citi Ultima Credit Card offers premium travel benefits, including accelerated Citi Miles earning rates, unlimited global airport lounge access, complimentary hotel stays, and exclusive discounts on air tickets. Cardholders also avail privileges such as complimentary valet parking, golf access, and purchase protection.

Features:

Joining bonus of AED 1,250 statement credit upon spending AED 25,000 in 90 days. Offer valid for new Citi Credit Card customers applying directly through the Citi website.
Earn Citi Miles on both local and international spends and redeem them for air miles, to book tickets on more than 11 airlines and much more.
Unlimited complimentary access to 1,100+ airport lounges worldwide for primary and supplementary cardholders, with one guest allowed per cardholder per visit.
50% cashback (up to AED 2,000) on air travel tickets once per calendar year. Offer valid only for primary cardholders made bookings through Citi Ultima Concierge.
Complimentary home check-in up to 4 times a year when booked through Citi Ultima Concierge.
Unlimited 3rd night free stays at any eligible hotel across the globe booked through Citi Ultima Concierge.
Up to 4 complimentary airport rides per year (up to AED 84 each) with Careem. Use code “MAUAE6” on the Careem app to redeem.
Access airport security fast-track up to 3 times per year through Mastercard Travel Pass at select global airports.
Unlimited access to golf clubs on weekdays and one round per month on weekends at top golf courses in the UAE. A minimum monthly spend of AED 5,000 is required to qualify.
Get 2 complimentary valet parking visits per month at select Valtrans locations across the UAE.

Fees and Charges:

Supplementary Annual Fee: Free
Late Payment Fee: AED 230
Over limit Fee: AED 249
Cash Advance Fee: 3% of cash advance amount or AED 99 whichever is higher

CBD Yes Rewards Credit Card

Commercial Bank of Dubai

Min. Salary

AED 5000

Annual Fees

AED 199

Interest Rate

3.85%

FX Rate

2.99%

Benefits

Airport Lounge Access

CashBack

Cinema Benefits

Dining Benefit

Golf Benefits

Hotel Discounts

Purchase Protection

Travel Insurance

Apply Now Compare +

The CBD Yes Rewards Credit Card offers up to 15% cashback or Yes Rewards Points on fuel spends at ENOC/EPPCO stations and up to 1% on other domestic and international spends. Cardholders can also enjoy a 20,000 Points welcome bonus, complimentary airport lounge access, and Credit Shield Protection.

Features:

No annual fee for the 1st year. Annual fee for the subsequent years will be waived if the annual spend in the previous year exceeds AED 12,000.
Up to 15% cash back on fuel related spends made at ENOC and EPPCO service stations.
Welcome bonus includes a complimentary reward points worth AED 200 or 20,000 Yes Rewards Points.
Earn Yes Rewards Points or cashback on both domestic and international spends.
Up to 8 complimentary visits per year to 1,000+ airport lounges worldwide with Visa Lounge Key Program. Benefits can be availed separately for both primary and add-on cardholder.
A complimentary multi-trip travel insurance for up to 90 days (post travel date), covering the cardholder, spouse, and up to five children.
Avail 50% off on up to 4 cinema tickets per month at VOX, Reel, or Novo cinemas. Also, get 20% off on F&B at Reel Cinemas on a minimum spend of AED 20.
Up to 4 complimentary rounds of golf each month at The Track Meydan and Arabian Ranches Golf Club, subject to a monthly retail spend of AED 7,500.
Avail 2 complimentary valet parking services every month at over 30 locations in the UAE.

Fees and Charges:

Supplementary Annual Fee: Free
Late Payment Fee: AED 241.50
Over limit Fee: AED 304.50
Cash Advance Fee: 3% of the amount or AED 157.50, whichever is higher

CBD One Credit Card

Commercial Bank of Dubai

Min. Salary

AED 5000

Annual Fees

AED 0

Interest Rate

3.85%

FX Rate

2.99%

Benefits

Airport Lounge Access

CashBack

Cinema Benefits

Golf Benefits

Purchase Protection

Travel Insurance

Apply Now Compare +

The CBD One Credit Card is life tiem free Visa Signature Credit Card that offers exceptional benefits, including cashback, cinema offers, free valet parking, airport lounge access, and many other financial facilities like balance transfer, cash on call, easy installments, and much more.

Features:

No annual fee credit card – free for life time.
Earn up to AED 135 cashback each month on eligible transactions.
Up to 4 complimentary rounds of golf each month at The Track Meydan and Arabian Ranches Golf Club, subject to a monthly retail spend of AED 7,500.
Up to 8 complimentary visits per year to 1,000+ airport lounges worldwide with Visa Lounge Key Program.
Avail 50% off on up to 4 cinema tickets per month at VOX, Reel, or Novo cinemas. Also, get 20% off on F&B at Reel Cinemas on a minimum spend of AED 20.
Get 3 free Valtrans valet parking services per month at locations across the UAE, including Dubai International Airport and Al Maktoum International Airport.
A complimentary multi-trip travel insurance for up to 90 days (post travel date), covering the cardholder, spouse, and up to five children.

Fees and Charges:

Supplementary Annual Fee: Free
Late Payment Fee: AED 241.50
Over limit Fee: AED 304.50
Cash Advance Fee: 3% of the amount or AED 157.50, whichever is higher

The American Express Corporate Card

The American Express

Min. Salary

AED 18400

Annual Fees

AED 370

Interest Rate

2.5%

FX Rate

2.94%

Benefits

Airport Lounge Access

Dining Benefit

Hotel Discounts

Travel Insurance

Apply Now Compare +

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

Apply Now Compare +

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

Apply Now Compare +

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

Apply Now Compare +

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

Apply Now Compare +

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

Apply Now Compare +

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