Best Credit Card In UAE
+971

MINIMUM SALARY

AED 8,000

RATE

3.69

ANNUAL FEE

AED 383

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Welcome bonus of AED 365 subject to spend of AED 5000
  • No Annual fee for first year
  • 5% Cashback On groceries
  • Monthly cashback upto AED 1000
  • Buy 1 Get 1, Free movie tickets at VOX Cinemas in the UAE

MINIMUM SALARY

AED 8,000

RATE

3.69

ANNUAL FEE

AED 383

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / or AED 105

Joining Offers

Welcome bonus of AED 365 is subject to a minimum spend of AED 5,000 within the first 45 days. Welcome bonus will be credited as cashback within 90 days of card issuance, upon meeting the spend eligibility criteria.

Key Features

  • Buy 1 Get 1 free movie tickets
  • 12% off on hotel bookings on Visa Agoda website
  • Mobile and digital wallets
  • Card control
  • School fee payments
  • Balance transfer
  • Credit shield
  • Instalments payment plans
  • FlexiPay
  • Credit card loan

Reward Features

  • 3% Cashback On utilities, telecom, fuel and Salik
  • 6% Cashback On dining including online orders
  • 5% Cashback On groceries
  • 1% Cashback On all other retail spends
  • AED 365 As a welcome bonus
  • No Annual Fee For the first year
  • Buy 1 Get 1, Free movie tickets at VOX Cinemas in the UAE
  • Monthly cashback up to AED 1,000

Things To Be Aware Of

  • An annual fee of AED 383.25 (including VAT) from year 2

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Complimentary airport lounge access
  • 0% interest for upto 12 months for school & college fees
  • Benefits at Ferrari World & Yas Waterworld

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn bonus Touchpoints on one or all of these categories - Supermarket, Fuel, Telecom, Utility Bills, Duty Free
  • 5,000 bonus Touchpoints
  • All other retail purchases will earn 0.75 Touchpoints per AED spent
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets and upgrades, paying utility bills and more
  • Balance transfer
  • School fees
  • Complimentary airport lounge access
  • 8% discount on hotel bookings made at Hotels.com
  • Benefits at Ferrari World & Yas Waterworld Abu Dhabi
  • Buy 1, Get 1 Free with VOX Cinemas, Up to 2 free tickets per month
  • Buy 1, Get 1 Offers throughout Middle East & Africa across dining, spas and more

Reward Features

Earn Touchpoints Per 1 AED spend

  • Earn 0.5 TouchPoint for every AED 1 on retail
  • Earn 0.75 TouchPoint for every AED 1 on Utility
  • 5,000 bonus TouchPoints when you spend AED 5,000 each month
  • Accumulate & redeem Touchpoints for shopping or dining vouchers,  airline tickets, upgrades & much more.

Things To Be Aware Of

  • Min. monthly spend of AED5000 to earn 5000 bonus Touchpoints
  • Offer only on VOX 2D Max Standard and 2D Standard

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • Excellent Reward earnings rate
  • Premium lifestyle features
  • No Annual fee

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 100

Key Features

  • Earn bonus Touchpoints from one or all categories - Supermarket, Fuel, Telecom, Utility, Duty Free
  • Other purchases will still earn rewards at 1.5 TouchPoints for every AED 1 of spend
  • Benefits at Ferrari World & Yas Waterworld Abu Dhabi
  • Complimentary unlimited global premium lounge
  • Access Buy one, get one free with VOX Cinemas - upto 4 free per month
  • Complimentary Global Concierge Service
  • Complimentary Golf all year round at The Track Meydan Golf Dubai, Arabian Ranches Golf Club Dubai and Yas Links Golf Club Abu Dhabi. Discounts at 14 clubs in UAE and Muscat
  • Dining privileges - 25% off at the finest selection of upmarket restaurants and eateries in the UAE

Reward Features

Earn Touchpoints

  • Per 1 AED spend : Supermarket = 5points, Fuel = 7points, Telecom = 5points, Utility = 15points, Duty Free = 15points
  • Maximum Touchpoints per category per month = 20,000
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets and upgrades, paying utility bills and more
  • Other purchases will still earn rewards at 1.5 TouchPoints for every AED 1 worth of eligible purchase.

Things To Be Aware Of

  • Need to be an ADCB Excellency Customer
  • There is a minimum spend requirement to earn bonus rewards

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Benefits at Ferrari World & Yas Waterworld
  • Interest-free balance transfers
  • Golf & Cinema offers
  • First year free

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 105

Joining Offers

Receive 10,000 bonus TouchPoints when you spend AED 10,000 each month

Key Features

  • Earn bonus Touchpoints on one or all of these categories - Supermarket, Fuel, Telecom, Utility Bills, Duty Free
  • All other retail purchases will earn 1 Touchpoint per AED spent
  • 10,000 bonus Touchpoints
  • Balance transfer
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers 20% off at Talabat orders
  • Discounts with Agoda
  • Dragon Pass ‘Dine & Fly’ airport Dining Program
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets and upgrades, paying utility bills and more
  • Benefits at Ferrari World & Yas Waterworld Abu Dhabi
  • Buy 1, Get 1 Free with VOX Cinemas, Up to 4 free tickets per month
  • Complimentary Lounge Access
  • Free all year at The Track Meydan Golf Club Dubai, Arabian Ranches Golf Club Dubai and Yas Links Golf Club Abu Dhabi
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Buy 1, Get 1 Offers throughout Middle East & Africa across dining, spas and more

Reward Features

Earn Touchpoints

  • Earn 1 TouchPoint for every AED 1 on retail
  • Earn  1 TouchPoint for every AED 1 on Utility
  • 10,000 bonus TouchPoints when you spend AED 10,000 each month
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets, upgrades & much more

Things To Be Aware Of

  • Minimum monthly required to earn 5,000 bonus Touchpoints
  • Minimum monthly spend of AED 5000 for free Golf

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • No Annual Fee
  • 0% interest for upto 12 months for school & college fees
  • Benefits at Ferrari World & Yas Waterworld
  • Complimentary airport lounge access

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 105

Key Features

  • Earn bonus Touchpoints on one or all of these categories - Supermarket, Fuel, Telecom, Utility Bills, Duty Free
  • 5,000 bonus Touchpoints
  • Balance transfer
  • School fees
  • All other retail purchases will earn 0.75 Touchpoints per AED spent
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets and upgrades, paying utility bills and more
  • Benefits at Ferrari World & Yas Waterworld Abu Dhabi
  • Buy 1, Get 1 Free with VOX Cinemas, Up to 2 free tickets per month
  • Complimentary Lounge Access - 12 airports across the Middle East
  • Buy 1, Get 1 Offers throughout Middle East & Africa across dining, spas and more

Reward Features

Earn Touchpoints Per 1 AED spend

  • Earn 0.5 TouchPoint for every AED 1 on retail
  • Earn 0.75 TouchPoint for every AED 1 on Utility
  • 5,000 bonus TouchPoints when you spend AED 5,000 each month
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets, upgrades & much more

Things To Be Aware Of

  • Min. monthly spend of AED5000 to earn 5000 bonus Touchpoints
  • Offer only on VOX 2D Max Standard and 2D Standard