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

Emirates Islamic Skywards Black Credit Card

Emirates Islamic Bank

Min. Salary

AED 0

Annual Fees

AED 2100

Interest Rate

3.25%

FX Rate

1.84%

Benefits

Airport Lounge Access

Cinema Benefits

Dining Benefit

Golf Benefits

Hotel Discounts

Purchase Protection

Sharia Compliant

Travel Insurance

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The Emirates Islamic Skywards Black Credit Card is a premium metal card tailored for frequent travellers. It offers Skywards Miles per USD spent, unlimited access to airport lounges, and complimentary airport transfers annually. Cardholders enjoy automatic Emirates Skywards Silver membership and can fast-track to Gold Tier upon meeting spending criteria.

Features:

Earn Skywards Miles on both domestic and international spends.
Complimentary Emirates Skywards Silver Tier Membership with benefits like bonus tier miles, extra baggage allowance, priority check-in, etc.
Fast-track to Emirates Skywards Gold Tier Status on achieving an annual spend of AED 5,000 on Emirates Airline within the first year of card issuance.
The Gold membership is also available for one supplementary cardholder by spending an additional minimum amount of USD 5,000 at Emirates Airlines and pay an annual membership fee of AED 5,500 for the supplementary card.
Unlimited complimentary access to over 1000 airport lounges across the globe for cardholder or one one guest.
Up to 4 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
Unlimited complimentary golf rounds at Arabian Ranches Golf Club, Track Meydan Golf Club, or Yas Links Golf Club on both weekends and weekdays.
Complimentary Multi-Trip Travel Insurance provides automatic coverage for personal accidents (up to $1 million internationally and $100,000 domestically), baggage delay (up to $500), and loss of personal belongings (up to $2,500).
Up to 3 complimentary valet parking services per month at select locations in the UAE.

Fees and Charges:

Supplementary Annual Fee: Free on a one-time joining fee of AED 525
Late Payment Fee: AED 131.25
Over limit Fee: AED 261.45
Cash Advance Fee: 3.15% or AED 103.95

The American Express Gold Credit Card

American Express

Min. Salary

AED 15000

Annual Fees

AED 295

Interest Rate

3.60%

FX Rate

2.94%

Benefits

Airport Lounge Access

CashBack

Purchase Protection

Travel Insurance

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The American Express Gold Credit Card is a cash back credit card that also provides travel, shopping, and other benefits. Both self-employed and salaried individuals can apply for the card. Up to 9 supplementary credit cards are free with the card with the same benefits as the main card.

Features:

Free airport lounge access 5 times a year to Priority Pass lounges for the primary cardholder and one supplementary cardholder.
Free travel accident insurance worth AED 350,000.
Fraud Protection Guarantee feature safeguards cardholders against credit card fraud or theft.
Up to 9 free supplementary credit cards for immediate family members of age 12 years and above with the same benefits.

Fees and Charges:

Supplementary Annual Fee: Free for first 9 cards
Late Payment Fee: AED 230 (AED 241.5 including VAT)
Over limit Fee: AED 275.5 (AED 290 including VAT)
Cash Advance Fee: 3% or AED 100, whichever is higher

Ajman Bank AccelRight Business Credit Card

Ajman Bank

Min. Salary

AED 10000

Annual Fees

AED 400

Interest Rate

3.5%

FX Rate

3.5%

Benefits

Dining Benefit

Golf Benefits

Hotel Discounts

Purchase Protection

Sharia Compliant

Travel Insurance

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Ajman Bank Accelright Business Credit Card is a business credit card that offers a wide range of benefits and rewards. By offering a credit limit of up to AED 10 Million, the Credit Card enables businesses to manage their working capital requirement efficiently.

Features:

Business credit card with zero annual fee for the first year.
Eligible businesses can use the card limit as a revolving line of credit for their working capital requirements at a low-profit rate.
Avail credit limits up to AED 10 million.
Offers a multitude of travel benefits from various vendors including booking.com, agoda, IHG Hotels, etc.
Upto 55 days free grace period

Fees and Charges:

Supplementary Annual Fee: NA
Late Payment Fee: AED 125
Over limit Fee: NA
Cash Advance Fee: AED 150 per transaction

The American Express® Credit Card

American Express

Min. Salary

AED 15000

Annual Fees

AED 60

Interest Rate

3.60%

FX Rate

2.94%

Benefits

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The American Express® Credit Card allows cardholders to pay the outstanding on the card in easy monthly installments. The card also offers 9 free supplementary credit cards for immediate family members.

Features:

Pay the remaining outstanding on the card in installments by paying a minimum payment of 5% or US$ 18 (whichever is higher).
Withdraw local currency at any ATMs across the globe.
Fraud Protection Guarantee feature safeguards cardholders against credit card fraud or theft.
Up to 9 free supplementary credit cards for immediate family members of age 12 years and above with the same benefits.

Fees and Charges:

Supplementary Annual Fee: 9 free cards for immediate family
Late Payment Fee: US$ 75 (US$ 78.75 including VAT)
Over limit Fee: US$ 40 (US$ 42 including VAT)
Cash Advance Fee: 4% or US$ 18, whichever is higher

American Express Blue Card

American Express

Min. Salary

AED 15000

Annual Fees

AED 250

Interest Rate

43.20%

FX Rate

2.94%

Benefits

CashBack

Dining Benefit

Travel Insurance

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The American Express Blue Card is a cash back credit card that offers 1% cashback on purchases made on the card for groceries, paying dining bills, and spending on international holidays. Up to 9 free supplementary credit cards and no pre-set credit limit.

Features:

Cash back on most spends made on the card.
No pre-set spending limit subject to terms & conditions.
Free travel accident insurance coverage up to AED 200,000 is applicable across the globe.
Fraud Protection Guarantee feature safeguards cardholders against credit card fraud or theft.
Up to 9 free supplementary credit cards for immediate family members of age 12 years and above with the same benefits.

Fees and Charges:

Supplementary Annual Fee: Free for first 9 cards
Late Payment Fee: AED 230 (AED 241.5 including VAT)
Over limit Fee: AED 275.5 (AED 290 including VAT)
Cash Advance Fee: 3% or AED 100, whichever is higher

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 Signature Covered Card

Dubai Islamic Bank

Min. Salary

AED 5000

Annual Fees

AED 523.95

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 Signature Covered Card is a rewards credit card. It offers reward points on dining and travel bookings, complimentary airport transfers and lounge access, and exclusive benefits like valet parking, golf rounds, and Fitness First access.

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 30,000 per year.
Welcome bonus-1 provides 100,000 Bonus Wala’a rewards worth up to AED 500 for new customers. Bonus applicable on a minimum spend of USD 10,000 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 20 is available per merchant per card with a total cap of AED 360 per month.
Get 8 complimentary airport lounge visits per year for the cardmember and a guest at over 1,200 lounges worldwide.
Free multi-trip travel insurance covers up to $500,000 for the cardholder, spouse, and up to 5 children for trips up to 90 days.
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 2 free valet parking services per month at 20 key locations across the UAE.
Get up to 2 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

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

Emirates Islamic Switch Cashback Credit Card

Emirates Islamic Bank

Min. Salary

AED 0

Annual Fees

AED 313.95

Interest Rate

3.69%

FX Rate

2.34%

Benefits

Airport Lounge Access

CashBack

Cinema Benefits

Dining Benefit

Golf Benefits

Hotel Discounts

Purchase Protection

Sharia Compliant

Travel Insurance

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The Emirates Islamic Switch Cashback Credit Card offers up to 8% cashback on your spends, allowing you to switch between Lifestyle and Travel categories monthly. Enjoy a welcome bonus of AED 500 upon meeting the spend criteria. Additional benefits include unlimited airport lounge access, complimentary valet parking, golf rounds, and more.

Features:

No annual fee for the 1st year and from the 2nd year annual fee waiver is applicable on spends of AED 30,000 annually.
Welcome Bonus of AED 500 Cashback points on spending AED 15,000 within 60 days of card approval.
Cashback points on both travel and lifestyle categories.
Unlimited complimentary access to over 1000 airport lounges across the globe for both primary and supplementary cardholders.
2 complimentary golf rounds at Arabian Ranches Golf Club, Jebel Ali Golf Course or Abu Dhabi Golf Club on both weekends and weekdays.
Complimentary Multi-Trip Travel Insurance that covers travel accidents and travel inconvenience on all trips for up to 90 days duration.
Up to 1 complimentary valet parking services per month at select locations in the UAE.
Up to 2 complimentary Marhaba Bronze Meet & Greet services per year.

Fees and Charges:

Supplementary Annual Fee: Free for 1st 4 cards
Late Payment Fee: AED 131.25
Over limit Fee: AED 261.45
Cash Advance Fee: 3.15% or AED 103.95