Best Credit Card In UAE

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+971

Minimum salary AED 5,000*

MINIMUM SALARY

AED 20,000

RATE

3.29%

ANNUAL FEE

AED 2,000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • 200,000 sign-up reward points
  • Flight and hotel booking discounts
  • Extensive premium travel & lifestyle benefits
  • Earn rewards on all spends & cashback on specific categories

MINIMUM SALARY

AED 20,000

RATE

3.29%

ANNUAL FEE

AED 2,000

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

200,000 sign-up reward points

Key Features

  • 200,000 sign-up reward points
  • 10% discount on hotels
  • 5% cashback on flights
  • 7% discount on car rentals through rentalcars.com
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • 4% cashback on fuel spends
  • 3 Reward Points for every dirham spent
  • Complimentary rounds with one guest at 3 Clubs in Dubai and Abu Dhabi. Discounts at 14 clubs in UAE and Muscat
  • Complimentary VIP airport lounge access for you and one companion across 850 lounges worldwide
  • Visa Luxury Hotels Collections offers
  • Complimentary Concierge Services
  • Medical & Travel assistance
  • Multi-Trip Travel insurance with cover up to USD 1,000,000
  • Purchase protection of up to USD 6,000 per item
  • Extended Warranty of up to 24 months
  • Exclusive dining offers
  • Free Valet Parking (4 times / month)
  • Withdraw 100% of your finance limit as cash
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

ADIB Rewards Program

  • Earn 3 reward points for every AED 1 domestic or international spend
  • Redeem your points against flight tickets/hotel bookings on Any Airline, Any Hotel Worldwide or Shopping Mall Vouchers or Club Apparel gift cards.

Redemption Value: Every 10,000 points = 50; every 100,000 points = AED 1,000

Shopping mall vouchers
Redeem Reward points against shopping mall vouchers: Sharjah Mega Mall, Dubai Festival City, Abu Dhabi Mall, Sahara Centre - Sharjah

Things To Be Aware Of

  • All cashback categories have maximum caps
  • 5th supplementary card onwards annual fee is AED 2,000

MINIMUM SALARY

AED 12,000

RATE

3.09%

ANNUAL FEE

AED 299

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Flight and hotel booking discounts
  • Travel & lifestyle benefits
  • Earn rewards on all spends & cashback on specific categories

MINIMUM SALARY

AED 12,000

RATE

3.09%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 10% discount on hotels
  • 5% cashback on flights
  • 7% discount on car rentals through rentalcars.com
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • 4% cashback on fuel spends
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Earn 2 Reward Points for every dirham spent internationally
  • Earn 1 Reward Points for every dirham spent domestically
  • Complimentary VIP airport lounge access across 850 lounges worldwide
  • Visa Luxury Hotels Collection offer
  • Complimentary Concierge Services
  • Medical & Travel assistance
  • Multi-Trip Travel insurance with cover up to USD 500,000
  • Purchase protection of up to USD 6,000 per item
  • Extended Warranty of up to 24 months
  • Exclusive dining offers
  • Free Valet Parking (4 times/month)
  • Withdraw 100% of your finance limit as cash
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Screen reader support enabled.

Reward Features

ADIB Rewards Program

  • Earn 2 reward points for every AED 1 international spend
  • Earn 1 reward points for every AED 1 domestic spend

Things To Be Aware Of

  • All cashback categories have maximum caps
  • 5th supplementary card onwards annual fee is AED 299

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 1,000

  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • 1% unlimited cashback on all spends
  • Free roadside assistance service

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 1,000

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 1% flat Cashback: anywhere – any time
  • Free roadside assistance
  • Withdraw 100% of your finance limit as cash
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Free grace period up to 55 days to repay your outstanding balance
  • Four Free Supplementary cards
  • ADIB Travel Desk benefits
  • 50% off cinema tickets at VOX Cinemas across UAE on Sundays (max of 10 free tickets per month)
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Screen reader support enabled.

Reward Features

1% flat Cashback: anywhere – any time

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 500
  • 5th supplementary card onwards annual fee is AED 1000

MINIMUM SALARY

AED 15,000

RATE

2.99%

ANNUAL FEE

AED 750

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Roadside Assistance
  • 10% cashback on all dining spend in UAE
  • Extensive travel insurance and protection

MINIMUM SALARY

AED 15,000

RATE

2.99%

ANNUAL FEE

AED 750

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 10% cash back on all dining spend in the UAE
  • 2.5 rewards points for every 1 AED spent
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Complimentary round of Golf once at the Arabian Ranches Golf club. Discounts at 14 clubs in UAE and Muscat
  • Free Roadside Assistance 24/7 across the UAE
  • Valet parking at select locations in the UAE​ (4 per month)
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Advanced Chip&Pin technology making purchases and withdrawing cash secure​​​​​​​​
  • Withdraw 100% of your finance limit as cash
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Screen reader support enabled

Reward Features

ADIB Rewards Program
Earn 2.5 reward points for 1 AED you spend on your card. Points earned can be used towards airline tickets, shopping mall vouchers and Club Apparel gift cards.

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 250
  • Max dining cashback of AED 100 pre transaction & AED 300 p.m

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • 10,000 Etihad Guest Miles welcome bonus
  • Free for life card
  • Earn Etihad Guest Miles on all spends

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome bonus of 10,000 Etihad Guest Miles


Key Features

  • Welcome ​bonus of 10,000 Etihad Guest Miles
  • Receive 1 Etihad Guest Mile for every AED 4 equivalent spent on international non-AED transactions
  • Receive 0.75 Etihad Guest Miles for every AED 4 spent for local AED transactions
  • Pay your annual fees using 12,500 Etihad Guest Miles
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends
  • Withdraw 100% of your finance limit as cash

Reward Features

Earn Etihad Guest Miles

  • International Non-AED Transactions: Receive 1 Etihad Guest Mile for every AED 4 equivalent spent
  • Local AED Transactions: Receive 0.75 Etihad Guest Miles for every AED 4 spent for AED transaction
  • Earn 0.25 Etihad Guest Miles for every 4 AED spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities)
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends

Things To Be Aware Of

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 350

  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • 35,000 Etihad Guest Miles welcome bonus
  • Free companion ticket voucher

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 350

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome Offer

Welcome bonus of 35,000 Etihad Guest Miles.

Key Features

  • Welcome bonus of 35,000 Etihad Guest Miles
  • Receive 1.5 Etihad Guest Miles for every AED 4 equivalent spent on international non-AED transactions
  • Receive 1 Etihad Guest Mile for every AED 4 spent for local AED transactions
  • Free Companion Ticket – not available on any other Card in the Middle East!
  • Fast track to Etihad Guest Silver Tier
  • Free Roadside Assistance 24/7 across the UAE
  • Pay your annual fees using 30,300 Etihad Guest Miles
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends
  • 2 complimentary visits to over 850+ premium airport lounges
  • Withdraw 100% of your finance limit as cash
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Etihad Guest Miles

  • International Non-AED Transactions: Receive 1.5 Etihad Guest Miles for every AED 4 equivalent spent
  • Local AED Transactions: Receive up to 1 Etihad Guest Miles for every AED 4 spent for AED transaction
  • Earn 0.5 Etihad Guest Mile for every 4 AED spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities) 

Things To Be Aware Of

  • Min spend of AED 150,000(year) req for free companion ticket
  • 5th supplementary card onwards annual fee is AED 1,000
  • Maximum of 100,000 Etihad Guest Miles per month

MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 700

  • Valet Parking
  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Roadside Assistance
  • 50,000 Etihad Guest Miles welcome bonus
  • Free companion ticket on Etihad airways - any class
  • Free valet parking, roadside assistance, lounge access

MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome Offer

Welcome bonus of 50,000 Etihad Guest Miles.

Key Features

  • Welcome bonus of 50,000 Etihad Guest Miles
  • Receive 3 Etihad Guest Miles for every AED 4 equivalent spent on international non-AED transactions
  • 50% off cinema tickets at VOX Cinemas across UAE on Sundays (max of 10 free tickets per month)
  • Receive up to 2. 2 Etihad Guest Miles for every AED 4 spent for local AED transactions
  • Free Companion Ticket – not available on any other Card in the Middle East!
  • Fast track to Etihad Guest Gold Tier
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Access to over 200 airport restaurant offers globally
  • Valet parking at select locations in the UAE
  • Pay your annual fees using 60,600 Etihad Guest Miles
  • Free Roadside Assistance 24/7 across the UAE
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends
  • 4 free premium airport lounge visits per year globally
  • Withdraw 100% of your finance limit as cash
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn Etihad Guest Miles

  • International Non-AED Transactions: Receive 3 Etihad Guest Miles for every AED 4 equivalent spent
  • Local AED Transactions: Receive up to 2. 2 Etihad Guest Miles for every AED 4 spent for AED transaction
  • Earn 1 Etihad Guest Mile for every 4 AED spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities) 

Things To Be Aware Of

  • Maximum of 100,000 Etihad Guest Miles per month
  • 5th supplementary card onwards annual fee is AED 2,000

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • Bonus 5,000 Etisalat Reward points

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome Offer

Welcome bonus 5,000 Etisalat Reward points(equivalent to more than 2.5 hours of UAE talk time).

Key Features

  • 5,000 Sign Up Etisalat Reward Points equivalent to more than 2.5 hours of UAE talk time
  • Earn 1.5 Etisalat Smile points for every Dirham spent
  • Earn 1 Etisalat Smiles point for every Dirham spent on specific merchant transactions
  • Special Etisalat MyPackage Plan for even More points

Reward Features

Earn Etisalat Smiles Rewards Points

 

  • For non-Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 10 minutes of UAE talk time.
  • Earn 1 Etisalat Smiles point for every Dirham spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities), so every AED 100 spent is 3 minutes of UAE talk time.
  • For Self-funded Cards earn 2 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 6 minutes of UAE talk time.
  • Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.

MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 299

  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • 20,000 welcome Etisalat Smiles Points
  • Earn Etisalat rewards on all spends

MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome Offer

Welcome bonus of 20,000 Etisalat Reward points(equivalent to more than 10 hours of free UAE talk time!).

Key Features

  • 20,000 welcome Etisalat Smiles Points equivalent to 38 hours of UAE talk time
  • For non-Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent
  • For Self-funded Card earn 2 Etisalat Smiles points for every Dirham spent
  • Earn 1 Etisalat Smiles point for every Dirham spent on specific merchant transactions
  • Special Etisalat MyPackage Plan for even More points
  • Free airport lounge access for primary cardholder
  • Withdraw 100% of your finance limit as cash
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Etisalat Smiles Rewards Points

  • For non-Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 10 minutes of UAE talk time
  • Earn 1 Etisalat Smiles point for every Dirham spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities), so every AED 100 spent is 3 minutes of UAE talk time
  • For Self-funded Cards earn 2 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 6 minutes of UAE talk time
  • Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 299

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 999

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • 70,000 welcome Etisalat Smiles Points
  • Earn Etisalat rewards on all spends
  • Free valet parking at select locations

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 999

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

70,000 welcome Etisalat Smiles Points


Key Features

  • 70,000 welcome Etisalat Smiles Points equivalent to 38 hours of UAE talk time
  • For non-Self-funded Card earn 4 Etisalat Smiles points for every Dirham spent
  • For Self-funded Card earn 2 Etisalat Smiles points for every Dirham spent
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • For non-Self-funded cards earn 1 Etisalat Smiles points for every Dirham spent on specific merchant transactions
  • Redeem Reward Points for: Etisalat Data or Talk time, Etihad Guest Miles, Airline tickets
  • Special Etisalat MyPackage Plan for even More points
  • 4 Free Valet Parking at select locations in Abu Dhabi & Dubai
  • Free airport lounge access for primary cardholder
  • Withdraw 100% of your finance limit as cash

Reward Features

Earn Etisalat Smiles Rewards Points

  • For non-Self-funded Card earn 4 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 13 minutes of UAE talk time
  • For non-Self-funded Cards earn 1 Etisalat Smiles points for every Dirham spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities), so every AED 100 spent is 3 minutes of UAE talk time
  • For Self-funded Card earn 2 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 6 minutes of UAE talk time
  • Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.

Things To Be Aware Of

  • Profit rate is 2.99% with salary transfer
  • 5th supplementary card onwards annual fee is AED 999

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 500

  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • 1% unlimited cashback on all spends
  • Free roadside assistance service

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 500

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 1% flat Cashback: anywhere – any time
  • Free roadside assistance
  • ADIB Travel Desk benefits
  • Withdraw 100% of your finance limit as cash
  • Free grace period up to 55 days to repay your outstanding balance
  • Four Free Supplementary cards
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

ADIB Rewards Program

1% flat Cashback: anywhere – any time

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 500