Best Credit Card In UAE

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+971

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 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 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 15,000

RATE

3.09%

ANNUAL FEE

AED 1,199

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • 100,000 welcome Etisalat Smiles Points
  • Earn Etisalat rewards on all spends
  • Lifestyle benefits - free roadside assistance, valet parking

MINIMUM SALARY

AED 15,000

RATE

3.09%

ANNUAL FEE

AED 1,199

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

100,000 welcome Etisalat Smiles Points

Key Features

  • 100,000 welcome Etisalat Smiles Points equivalent to 38 hours of UAE talk time
  • For non-Self-funded Card earn 6 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 Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent
  • 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
  • Free unlimited premium airport lounge access globally for primary cardholder
  • 4 Free Valet Parking at select locations in Abu Dhabi & Dubai
  • Withdraw 100% of your finance limit as cash
  • Free roadside assistance services

Reward Features

Earn Etisalat Smiles Rewards Points

  • For non-Self-funded Card earn 6 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 20 minutes of UAE talk time
  • For Self-funded Cards earn 3 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 10 minutes of UAE talk time
  • Earn 1 Etisalat Smile point for every Dirham spent on - 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
  • 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 1,199

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1,250

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Contactless Tech
  • Roadside Assistance
  • Exclusive discounts at Rotana properties
  • Earn Rotana reward points on all spends
  • Good travel & lifestyle benefits

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1,250

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Up to 50% discount at any Rotana restaurant
  • 20% discount on hotel room bookings via www.rotana.com
  • Free Roadside Assistance
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Free ADIB Travel Desk
  • Access to over 850 airport lounges available worldwide
  • Withdraw 100% of your finance limit as cash
  • Earn Rotana Reward points on all spends
  • Exclusive Visa dining offers
  • USD $500,000 travel accident & inconvenience cover
  • Complimentary Global Concierge service

Reward Features

Rotana Rewards Exclusive Program

  • 1 Rotana Reward Point for every 1 AED spend within UAE
  • 2 Rotana Reward Points for every 1 AED spend in all Rotana properties in the UAE
  • 3 Rotana Reward points for every 1 AED spend Internationally

Things To Be Aware Of

  • All cashback categories have maximum caps
  • 5th supplementary card onwards annual fee is AED 1,250

MINIMUM SALARY

AED 12,000

RATE

3.09%

ANNUAL FEE

AED 199

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Earn cashback on all spends
  • Earn reward points on all spends
  • Dining Discounts

MINIMUM SALARY

AED 12,000

RATE

3.09%

ANNUAL FEE

AED 199

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 1% cashback on all utility payments
  • 4% cashback on fuel
  • 7% cashback on all supermarket & grocery spends
  • 9% cashback on all restaurant spends
  • Up to 2 reward points on all other spends
  • Up to 25% discount at select restaurants
  • All Priceless Arabia offer
  • Unlimited airport lounge access in select GCC/MENA airports
  • Withdraw 100% of your finance limit as cash
  • ADIB Easy Pay Plan option

Reward Features

ADIB Rewards Program

Spend a minimum of AED 3,000 in a month (locally & internationally) and enjoy:

  • 1% cashback on all utility payments
  • 4% cashback on fuel
  • 7% cashback on all supermarket & grocery spends
  • 9% cashback on all restaurant spends
  • Earn 1 reward point for 1 AED you spend on your card domestically, and earn 2 reward points on every 1 AED spent internationally
  • Points earned can be used towards airline tickets, shopping mall vouchers, or Club Apparel gift cards.

Things To Be Aware Of

  • Minimum salary for UAE Nationals is AED 8,000
  • Minimum monthly spend of AED 3,000 required to earn cashback

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Dining Offers
  • Purchase Protection
  • Extended Warranty
  • Free for life
  • Dining discounts in UAE

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

Key Features

  • Earn 1 reward point for 1 AED you spend on your card domestically
  • Earn 2 reward points on every 1 AED spent internationally
  • Redeem points earned for free flights, shopping vouchers and Club Apparel gift cards
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Enjoy up to 25% discount on select dining outlets across the UAE.
  • Advanced Chip&Pin technology making purchases and withdrawing cash secure
  • Withdraw 100% of your finance limit as cash
  • 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
  • Buy 1 Get 1 at Vox on Standard tickets on Sundays and 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy

Reward Features

ADIB Rewards Program

  • Earn 1 reward point for 1 AED you spend on your card domestically, and earn 2 reward points on every 1 AED spent internationally.
  • Points earned can be used towards airline tickets, shopping mall vouchers and Club Apparel gifts cards.

Things To Be Aware Of

  • Profit rate with salary transfer is 2.99%
  • 5th supplementary card onwards annual fee is AED 250

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Free for life
  • Dining discounts in UAE

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

Key Features

  • Earn 1 reward point for 1 AED you spend on your credit card domestically
  • Earn 2 reward points on every 1 AED spent internationally
  • Redeem points earned for free flights, shopping vouchers and Club Apparel gift cards
  • Enjoy up to 25% discount on select dining outlets across the UAE.​
  • Access to airport lounges across the GCC/MENA region
  • Withdraw 100% of your finance limit as cash
  • Advanced Chip&Pin technology making purchases and withdrawing cash secure​​​​​​​​

Reward Features

ADIB Rewards Program

  • Earn 1 reward point for 1 AED you spend on your card domestically, and earn 2 reward points on every 1 AED spent internationally
  • Points earned can be used towards airline tickets, shopping mall vouchers and Club Apparel gifts cards

Things To Be Aware Of

  • Profit rate with salary transfer is 2.99%
  • 5th supplementary card onwards annual fee is AED 250