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.

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Emirates Islamic Flex Credit Card

Emirates Islamic

Min. Salary

AED 5000

Annual Fees

AED 0

Interest Rate

3.49%

FX Rate

2.34%

Benefits

Cinema Benefits

Dining Benefit

Golf Benefits

Hotel Discounts

Purchase Protection

Sharia Compliant

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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

ADIB Smiles Visa Signature Credit Card

ADIB

Min. Salary

AED 2000

Annual Fees

AED 1199

Interest Rate

3.75%

FX Rate

2.3%

Benefits

Airport Lounge Access

Purchase Protection

Sharia Compliant

Travel Insurance

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ADIB Smiles Signature Credit Card is a rewards credit card. It offers Smiles points on every transaction, free travel insurance, airport lounge access, valet parking, roadside assistance, etc. Smiles points can be redeemed for flight and hotel bookings.

Features:

Sign up bonus of 70,000 Smiles points.
Free subscription to Smiles Unlimited Program for one year.
Four complimentary valet parking services per month at select locations.
Free multi-trip travel insurance that covers medical, personal, and travel inconveniences for cardholders and their family.

Fees and Charges:

Supplementary Annual Fee: AED 1,199 (from 5th card)
Late Payment Fee: AED 100
Over limit Fee: AED 50
Cash Advance Fee: 3% of the withdrawn amount or AED 99

FAB Abu Dhabi Platinum Credit Card

FAB

Min. Salary

AED 15000

Annual Fees

AED 0

Interest Rate

3.75%

FX Rate

2.49%

Benefits

Airport Lounge Access

Cinema Benefits

Dining Benefit

Purchase Protection

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Abu Dhabi Platinum Credit card is a lifestyle card. The cardholders will get travel benefits. The users also get cinema benefits, mall vouchers, airport lounge access, and purchase protection.

Features:

On spend via card users can win a Porsche Cayman
Luxury stay at the top Abu Dhabi hotel
Cinema offer
Offers on travel and lifestyle
Global purchase protection and emergency assistance
Rewards on the FAB Mobile app for every spend

Fees and Charges:

Late Payment Fee: AED 241.50
Over limit Fee: AED 288.75
Cash Advance Fee: 3.15% of the cash amount

Deem Platinum Miles Up Credit Card

Deem

Min. Salary

AED 10000

Annual Fees

AED 315

Interest Rate

3.45%

FX Rate

3.14%

Benefits

Airport Lounge Access

Dining Benefit

Hotel Discounts

Purchase Protection

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The Deem Platinum Miles Up Credit Card is free for life. It offers accelerated Miles Up points for spends across travel, hospitality, shopping, and retail spends worldwide. Airport lounge access and discounts to premium car rentals worldwide are included. Purchase protection for added value.

Features:

Accelerated Miles Up rewards program for every spend on airline tickets, hotel reservations, in-store and online shopping, and worldwide retails spends
Airport lounge access across the Levant and Middle East regions
Purchase protection cover
Insurance coverage benefit
Premium MyUS membership free for 2 years to shop from US retailers with affordable shipping rates
Complimentary valet parking service
Deals and discounts with the Deem Offers app

Fees and Charges:

Supplementary Card Annual Fee: Up to 5 supplementary cards free
Late Payment Fee: AED 241.5
Over limit Fee: AED 341.25
Cash Advance Fee: AED 105 or 3.15% of cash advance, whichever is higher

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

ADCB TouchPoints Infinite Credit Card

ADCB

Min. Salary

AED 40000

Annual Fees

AED 1050

Interest Rate

3.69%

FX Rate

2.99%

Benefits

Airport Lounge Access

Cinema Benefits

Dining Benefit

Hotel Discounts

Purchase Protection

Travel Insurance

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ADCB TouchPoints Infinite Credit Card offers a wide spectrum benefits and privileges to compliment your lifestyle. Some of this credit card’s offerings include complimentary hotel stays, online food delivery discounts and entertainment deals.

Features:

Buy 1 Get 1 offer on movie tickets (up to 4 tickets per month) at VOX Cinemas
Welcome voucher worth AED 1,200 redeemable for property bookings listed on Hotels.com. The voucher will be issued after making the annual fee payment.
Bonus TouchPoints 15,000 on monthly spends of AED 15,000 each month.
A discount of 20% on Talabat orders for up to AED 20 off per order on 4 orders per month

Fees and Charges:

Supplementary 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)
Annual Fee (AED): AED 1,050 (Aspire & Privilege Club/Emirati), AED 525 (Excellency/Emirati Excellency)

Al Hilal Bank World Elite Mastercard Credit Card

Al Hilal Bank

Min. Salary

AED 30000

Annual Fees

AED 2625

Interest Rate

2.99%

FX Rate

3.14%

Benefits

Airport Lounge Access

Dining Benefit

Hotel Discounts

Sharia Compliant

Travel Insurance

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World Elite Mastercard Credit Card is a travel credit card with world-class benefits and privileges for all your travel-related needs. From free access to VIP airport terminal, privileged hotel services, unlimited lounge access, dining offers, to travel & medical insurance, the card has it all. This is sharia compliant card.

Features:

Earn Joud Reward points on every spend and a bunch of bonus reward points on sign-up
Balance transfer facility from any UAE bank credit card to the Infinite Card at 0% interest rate and flexible EMI options
Up to 80% of the credit limit on the card can be withdrawn as cash at 0% interest. Repayment in easy installments
Avail 1+1 offer at hotels, dining, premium spas across the Middle East & Africa at over 900 partner establishments
Complimentary access to over 850 airport lounges in 400 cities. Cardholders and an accompanying guest can enjoy unlimited access
This is sharia compliant card and you get dedicated Concierge Service
Get Travel Inconvenience Insurances, Travel Medical Insurance and Rental Car and loss damage waiver insurance with this card

Fees and Charges:

Supplementary Card Annual Fee: Free up to 3rd card, From 4th card onwards – AED 105
Late Payment Fee: AED 100
Over limit Fee: 0
Cash Advance Fee: 3.15%

CBD Visa Infinite Credit Card

Commercial Bank of Dubai

Min. Salary

AED 20000

Annual Fees

AED 787.5

Interest Rate

3.45%

FX Rate

2.75%

Benefits

Airport Lounge Access

Cinema Benefits

Dining Benefit

Golf Benefits

Hotel Discounts

Purchase Protection

Travel Insurance

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CBD Visa Infinite Credit Card provides access to CBD Reward Points Program. The card offers free access to airport lounges worldwide, discount on VOX cinemas & Emaar entertainment, free valet parking and much more.

Features:

Avail CBD Reward Points Program, reward points for every dirham spent
Access to VIP airport lounges worldwide, free Valtrans valet parking and cinema offers
Free multi-trip travel insurance
Supplementary Card free for life
Protection against fraud with chip and pin security
No Annual Fee for the first year on Primary Card
Purchase protection and extended warranty

Fees and Charges:

Supplementary Card Annual Fee: Free for life
Late Payment Fee: AED 241.50
Over limit Fee: AED 288.75
Cash Advance Fee: 3% or AED 105 (whichever is higher)

RAKBANK Air Arabia Platinum Credit Card

RAKBANK

Min. Salary

AED 5000

Annual Fees

AED 400

Interest Rate

3.45%

FX Rate

2.10%

Benefits

Airport Lounge Access

Dining Benefit

Hotel Discounts

Purchase Protection

Travel Insurance

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RAKBANK Air Arabia Platinum Credit Card provides the Air Rewards loyalty program by Air Arabia with 10% cashback on Air Arabia flights. Earn reward points for local and international spends as well as for bill payments, education fees, petrol/gas, supermarket spends, health, beauty, and club memberships.

Features:

Earn AirReward Points for local and international spends
Travel accident insurance, Credit Shield, Secure Wallet, and Purchase Protection
Complimentary airport lounge access in Marhaba, CAC, and LoungeKey lounges locally and internationally
Free supplementary card
Complimentary airport pick-up or drop off service
Discounts on dining and shopping
Joining Bonus -15,000 AirRewards Points Equivalent to a return ticket

Fees and Charges:

Supplementary Card Annual Fee: Free
Late Payment Fee: AED 230
Over limit Fee: AED 285
Cash Advance Fee: AED 99 or 3% 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

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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