Credit Cards in UAE | Best Credit Cards in Dubai, UAE

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FAB GEMS Titanium Credit Card

FAB GEMS Titanium Credit Card

First Abu Dhabi Bank (FAB)

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • No annual fee
  • Up to 4.25% fixed discount on advanced payment of GEMS fees
  • 10% Cashback with Shop Smart
  • Enjoy access to airport lounges across the Middle East
  • Enjoy special offers at restaurants, premium retail etc.

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Key Features

  • Up to 4.25% discount on GEMS school tuition fee
  • Convert the school fees into 0% interest Easy Payment Plan for up to 12 months
  • 2 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Unlimited VIP airport lounge access in the Middle East
  • Movie tickets from just AED 15 - at Cine Royal, Oscar Cinemas and Reel Cinemas
  • Earn Star reward points on all spends - domestic & international
  • Special offers at numerous food & beverage outlets and family entertainment venues in UAE
  • Education protection coverage up to AED 500,000 per child
  • 10% Cashback with Shop Smart
  • Home content insurance

Reward Features

    Earn Star Reward Points

    • Earn 1 Star for every AED 1 spent on Domestic purchases
    • Earn 1.75 Stars for every AED 1 spent on International purchases

    Redeem your Stars for Etihad Guest Miles, Skywards Miles from Emirates, or to book tickets on any airline through Stars Travel Portal. 

     

Things To Be Aware Of

  • Your child/children must be enrolled in a GEMS school
  • Some benefits require minimum spend
RAKBANK FC Barcelona Credit Card

RAKBANK FC Barcelona Credit Card

RAKBANK

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 300

  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Life Insurance
  • Contactless Tech
  • Roadside Assistance
  • Exclusive credit card for FC Barcelona fans!
  • Redeem your RAKBarcaRewards for Barca Merchandise
  • Up to 6 free airport transfers each year
  • Earn additional rewards on sports related spends
  • Barca fans will also get opportunities to travel to Camp Nou

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 300

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min AED 99

Joining Offers

Activate and spend a minimum of AED 3,000 within the first month and get 20,000 Bonus RAKBarçaRewards. Top 100 spenders every month with minimum retail spends of AED 7,500, will get 30,000 Bonus RAKBarçaRewards.

Key Features

  • Experience the Barça spirit live at Camp Nou
  • Activate and spend a minimum of AED 3,000 within the first month and get 20,000 Bonus RAKBarçaRewards
  • Top 100 spenders every month with minimum retail spends of AED 7,500*, will get 30,000 Bonus RAKBarçaRewards
  • Enjoy chauffeured airport pick-up or drop off service 6 times each year in the UAE
  • Lowest minimum monthly payment of just 3%
  • Convert your purchase into a 0% Easy Payment Plan, for 3, 6, 9 or 12 months, at a wide range of participating merchants
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Complimentary access for the cardholder to over 25 airport lounges across destinations
  • Discounts on Avis car rentals (across Europe, Middle East, Africa, Asia, USA and Canada)
  • Exclusive "RAKFoodie" dining discounts across UAE
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Luxury Serviced Hotel Apartment offers
  • Mastercard Priceless Cities offers
  • Mastercard Buy-1-Get-1 offers on leisure, entertainment and more
  • Purchase protection up to 90 days from date of purchase
  • Travel medical insurance cover of up to AED 150,000

Reward Features

    Earn RAKBarca Reward Points:

    • Special categories (sports shops, sports lounges, restaurants etc.) earn 1.25 points per AED 1 of domestic spend and 2 points per AED 1 of international spends.
    • Govt services, telecommunications, utilities, real estate, fuel, car rental, transport : earn 0.35 points per AED 1 of spent 
    • All other retail spends : earn 1 point per AED 1 of domestic spend and 1.5 points per AED 1 of international spends.

Things To Be Aware Of

  • Processing fee is applicable for 0% epp offers
RAKBANK Titanium Business Credit Card

RAKBANK Titanium Business Credit Card

RAKBANK

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Dining Offers
  • Health & Fitness
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Exclusive card for business owners and no annual fee ever
  • High Cash advance Limits with 1% cashback on Cash Advance
  • Easy Credit Card Cheque (CCC) facility
  • No minimum spend criteria for earning cashback
  • Additional Business Credit Cards for your key employe

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.45 % / 2%

Joining Offers

Key Features

  • Enjoy 1% Cashback* on all domestic and international- retail, internet, cash transactions
  • Additional Business Credit Cards for your key employees
  • Cash Advance of up to 90% of your Credit Limit
  • High Credit limit
  • Easy Credit Card Cheque (CCC) facility
  • No annual fee EVER!
  • Low interest rate on outstanding Retail Purchases
  • Enjoy great dinning offers from RAKfeast!
  • Premium Travel Benefits from MasterCard®
  • Premium Lifestyle privileges
  • Exclusive covers and discounts on premium rates on Office and Business insurance plans
  • Purchase Protection up to 30 days from date of purchase
  • Travel accident insurance cover up to USD 150,000
  • Unlimited airport lounge access at Dubai, Abu Dhabi, Cairo, Ku

Reward Features

    Enjoy 1% Cashback* on all domestic and international retail, internet, cash transactions 

    Note: Maximum Cashback is AED 1,000 per month.      

    All spends under the category of Bill Payments (Telecommunication & utility), Government services, Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.

Things To Be Aware Of

  • Max cashback on all spends is AED 1,000 p.m
Citi Emirates Ultimate

Citi Emirates Ultimate

Citi

MINIMUM SALARY

AED 18,000

RATE

3.25%

ANNUAL FEE

AED 800

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Dining discounts, free cinema tickets etc. across UAE
  • VoucherSkout-Signup offer
  • Enjoy a 12-month amazon premium membership free
  • Get a gift card worth AED 1,000 exclusively on Soulwallet

MINIMUM SALARY

AED 18,000

RATE

3.25%

ANNUAL FEE

AED 800

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Exclusive offer only at Soulwallet - Get AED 1000 worth of gift cards once your card is booked.  These digital gift cards can be used on your favourite brands. T&C apply.

You also get to enjoy a 12-month free amazon prime membership.

Key Features

  • Exclusive offer only at Soulwallet - Get AED 1,000 worth of gift cards once your card is booked. These digital gift cards can be used on your favourite brands. T&C apply.
  • Local and international Skywards Miles earn rate up to 1.25 Skywards Miles per USD
  • Convert Skywards miles into Reward Flights and Business Class upgrades
  • Unlimited access to 1000+ airport lounges worldwide for you and 1 guest
  • Complimentary golf once a month at some of the best golf courses in the UAE
  • One complimentary round at the Montgomerie, Els, Ranches, Abu Dhabi Golf club and Sadiyat Beach club
  • 4 complimentary 'Buy 1 Get 1' movie tickets with VOX cinemas
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • 0% interest for 3 months easy instalment plan on Emirates tickets purchased through www.emirates.ae
  • Complimentary International Concierge Service
  • Exclusive offers worldwide with Citibank World Privileges
  • Apply for a Citi Credit Card and enjoy a 12-month amazon prime membership for free
  • Complimentary Travel Accident Insurance cover offer
  • VoucherSkout – Signup offer
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Compensation for inconvenience due to delayed or missed flights and luggage
  • Unlimited free supplementary cards for your family members
  • Enjoy up to 20% discount at select restaurants in Dubai, Abudhabi and across UAE
  • Complimentary international concierge service
  • Dining Privileges and exlcusive offers
  • Unlimited supplementary cards for your family members
  • Starwood Hotels & Resorts Complimentary Hotel Nights
  • Global Hotel Alliance DISCOVERY Black Membership
  • Exclusive offers worldwide with Citi World Privileges on your Citi Emirates Ultimate Card

Reward Features

    Earn Emirates Skyward Miles on your Citi Emirates World Card

           

    • 1.25 Skyward Miles per USD of foreign currency spend
    • 1 Skywards Miles per USD of local spend
    • Grocery stores/supermarkets" and “real estates” category spend are entitled to  
    • earn 50% of the Skywards Miles earned

    Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai

Things To Be Aware Of

  • VoucherSkout credits valid for 12 months from activation
  • Minimum spend of AED 5,000 per month for complimentary golf

Credit Cards from Top Banks

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Credit Cards in UAE

Credit cards offer a range of benefits catering to different types of financial and lifestyle needs of an individual. Being a convenient payment method, it is bundled with attractive rewards and perks depending on the card selected by the customer.

Credit cards are primarily used for shopping, travel or to meet an unforeseen need or expense

Points to Remember When You Compare Credit Cards in UAE

Getting confused while selecting the right credit card? We know it is a tough decision to make unless one knows to use it wisely. Financial appetite and priorities vary for everyone.

To help you, SoulWallet has listed out the following key points to be considered prior to selecting a best credit card for you:

  • Rate of interest : An important feature is the rate of interest while applying for a credit card. Tip: Select the card that offers a low rate of interest so it would not disturb any of your future financial plans. Analyze your financial portfolio and spend pattern prior to selecting a credit card
  • Charges : Credit cards incur charges such as Annual fee, Late fees, Overlimit fees etc., One must carefully read through the information on charges before making the final selection of a credit card
  • Minimum income : There is a minimum income slab for each credit card, so before applying for one you can go through the minimum income requirement and pick the card as per your monthly income.
  • Key benefits and rewards : Each credit card has its unique rewards and benefits which adds up as an advantage while purchasing any goods or services. You can select and compare credit cards which would give you the maximum benefit and rewards as per your needs.

Various Types of Credit Cards in UAE

With the exhaustive list of cards in today’s time offered by banks and various financial institutions, the customers are getting more and more confused. There are multiple shopping cards, travel cards, co-branded cards, fuel cards, and many more. Selecting from the extensive list is a time-consuming process, isn’t it? Understanding the dilemma of the customer, SoulWallet offers a list of best credit cards in UAE that one can avail for. The credit cards offers in UAE have reward points, discount offers, cashback, free movie tickets and much more to interest the shopper.

Here is the exclusive list of cards to select from that will best suit you.

Click here to find our top credit card recommendations for you

  • Cashback credit cards : These types of cards provide the most simplistic benefit to its cardholder. When a transaction takes place with a cashback credit card, the user gets a cashback. The cashback is generally provided as a credit in the statement or as per the bank's policy
  • Points/Rewards credit card : These credit cards provide an extra benefit to the user in terms of rewards/points, cashback or discounts
  • Air miles/travel/Airport lounge access credit cards : These types of cards are best for a frequent traveller. Travel with benefits becomes an advantage for customers of such cards as it comes with attractive discounts on flight, complimentary airport lounge access, discounted hotel tariffs etc. One also gets cashback and Air miles credit cards as per their spends
  • No annual fee credit cards : Many banks offer no annual fee credit cards where the customer can access the credit card without paying any joining or annual maintenance fee (AMF). Such types of cards are better for early customers who do not wish to pay any such charges mostly the early owners of credit cards

Eligibility Criteria for Credit Card

The primary eligibility for a credit card is a salaried monthly income of minimum AED 5000 and additional KYC documents for verification purpose. Different banks have different eligibility criteria depending on the type of credit card one is opting for. Criteria for self employed customers vary bank to bank.

One must be a UAE resident and should carry a valid 1) Passport 2) Residence Visa 3) Emirates ID card.

How to Apply for a Credit Card?

You can apply for credit cards online by visiting soulwallet and selecting the credit card as per your requirement; once the card is finalized you can click on "Apply Now" and fill the form. Soulwallet strongly recommends customers to use the Best fit Credit cards comparison tools and detailed information prior to finalizing upon the credit card of their choice.

FAQs

At Soulwallet you can identify which credit card is most suitable for you by comparing all the available credit cards in the UAE. Once you have reached a decision on which card is best suited to you, you can apply for the card by simply clicking on the “Apply” button and filling in a few details.
As per the UAE Central Bank regulations, an individual must earn a minimum salary of AED 5,000 per month to be considered eligible for a credit card. In addition, the Debt Burden Ratio of the customer must not exceed 50% to be eligible for a credit card.
Late payment fees are levied by banks if the minimum payment due on a credit card is not received on or before the payment due date as stipulated on the credit card statement. It can vary from bank to bank but is usually about AED 250 per month.
The Soulwallet Savings Simulator is a financial tool developed to help customers understand which credit cards can offer them the best opportunity to maximize their savings. To use the Savings Simulator, you only need to input your actual or anticipated expenses each month and then review the saves you can earn on different credit cards available in the UAE.
Most banks in the UAE offer customers multiple options when it comes to making payments towards their credit card. The simplest way to make a credit card payment is if you have a savings or current account with the same bank. In such a scenario you can do a direct transfer from your bank account towards your credit card.