Best Credit Card In UAE

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+971

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 2,625

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Joining Bonus of 12,000 Etihad Guest Miles
  • Monthly Bonus of 1000 Etihad Guest Miles
  • 30% off at over 1,400 restaurants in the UAE
  • Benefits at Ferrari World & Yas Water World

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 2,625

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

  • Welcome bonus of 60,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Qualifying Cardholder shall also be eligible for ‘Anniversary Bonus Miles’ in the subsequent year upon the ADCB Etihad Guest Card anniversary".

Key Features

  • Get 12,000 Etihad Guest Miles on paying the 1st year annual fee
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month
  • Earn 1 Etihad Guest Miles for every USD 1 on domestic purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways
  • Exclusive Etihad Guest Gold Tier membership
  • Earn 1 Etihad Guest Tier Mile for every USD 1 of eligible purchase
  • Complimentary upgrade voucher from Etihad Airways
  • Free round the year golf access at the Track Meydan, Arabian Ranches and Yas Links. Discounts at 14 courses in UAE and Muscat
  • 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
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Complimentary Airport Chauffeur service (4 per year)
  • 24-hour personalised premium concierge service
  • Enjoy unlimited complimentary airport lounge access globally for primary, supplementary and 1 guest
  • Exclusive benefits at Ferrari World and Yas Waterworld
  • Purchase protection for up to 90 days Extended warranty on eligible purchases
  • Multi-trip Travel Insurance
  • Optional credit shield
  • Visa luxury hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Up to 12% off Agoda bookings
  • Airport lounge access
  • Dining and lifestyle discounts
  • Balance Transfer
  • Personal Payment Plan
  • Credit Card loan

Reward Features

  • Earn 1 Etihad Guest Miles for every 1 USD on domestic purchase.
  • Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD
  • School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking,   Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways.
  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month.
  • Etihad Guest Miles multiplier. Etihad Guest Miles multiplier is given based on minimum monthly spend and once a month. Qualifying Cardholder need to spend the required minimum threshold to enjoy the Etihad Guest Miles multiplier.
  • Etihad Guest Miles multiplier is given to the Primary Cardholders only.
  • Accumulate & redeem Etihad Guest Miles for airline tickets, upgrades & much more.

Things To Be Aware Of

  • Bonus Miles will be credited only after AMF payment (60days)
  • 1000 USD min spend monthly to get 1000 Etihad Guest Miles
  • Etihad Guest Tier Miles earned are valid for 12 months

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 525

  • Golf offers
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • 12,000 Welcome bonus Etihad guest Miles
  • Earn Etihad Guest Miles on all spends
  • 30% off at over 1,400 restaurants in the UAE
  • Benefits at Ferrari World & Yas Water World

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Qualifying Cardholder shall also be eligible for ‘Anniversary Bonus Miles’ in the subsequent year upon the ADCB Etihad Guest Card anniversary.

Key Features

  • Get 12,000 Etihad Guest Miles on paying the first year annual fee
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month
  • Earn 1 Etihad Guest Miles for every USD 1 spent locally
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways
  • Exclusive Etihad Guest Silver Tier membership
  • Complimentary upgrade voucher from Etihad Airways
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary Airport Chauffeur service (2 per year)
  • Complimentary Global Concierge service
  • Access to over 200 airport restaurant offers globally
  • Exclusive benefits at Ferrari World and Yas Waterworld
  • Purchase protection for up to 90 days
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty on eligible purchases
  • Medical and legal referral services
  • Optional credit shield
  • Up to 12% off Agoda bookings
  • Dining and lifestyle discounts
  • Utility Bill payments
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Balance Transfer
  • Personal Payment Plan
  • Credit Card loan

Reward Features

  • Earn 1 Etihad Guest Mile for every USD 1 spent locally.
  • Etihad Guest miles multiplier.
  • Etihad Guest Miles multiplier is given based on minimum monthly spend and once a month. Qualifying Cardholder need to spend the required minimum threshold to enjoy the Etihad Guest Miles multiplier.
  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase.
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month.
  • Accumulate & redeem Etihad Guest Miles for airline tickets, upgrades & much more
  • School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking,   Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways.

Things To Be Aware Of

  • Bonus Miles will be credited only after AMF payment(60 days)
  • 1000 USD min spend monthly to get 1000 Etihad Guest Miles

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 1,050

  • Golf offers
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Earn Up to 2 Etihad Guest Miles per USD 1
  • Up to 2,000 Etihad Guest Miles as monthly bonus
  • 30% off at over 1,400 restaurants in the UAE

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

  • You will receive 35,000 Etihad Guest Miles as welcome bonus during the first year of membership

Key Features

  • Earn 35,000 Etihad guest miles as sign up bonus
  • Earn 1.25 Etihad guest miles per 1 USD spent on domestic purchases
  • Earn 2 Etihad guest miles per 1 USD spent on international purchases
  • Earn 2 Etihad guest miles per 1 USD spent on Etihad Airways bookings
  • Earn 0.33 Etihad guest miles per 1 USD spent on utility bill payments, supermarkets, education, government services
  • Can earn monthly bonus miles on spending USD 2000 using the card
  • Earn 1 Tier mile per 1 USD spent on any local and international purchases
  • 2 free airport chauffeur rides
  • Free access to airport lounges worldwide
  • 12% off on hotel bookings made with Agoda.com
  • 8% off on hotels.com
  • Multi-trip travel insurance cover
  • Exclusive privileges on Visa luxury hotel collection
  • Free golf clubs access
  • 2-for-1 deals on Visa MENA app
  • Up to 30% off on dining and shopping at selected stores
  • 0% Easy Payment Plan(EPP) option
  • Avail balance transfer on zero interest rates

Reward Features

  • Earn 1.25 Etihad Guest Miles for every USD 1 on domestic purchase.
  • Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD
  • School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking, Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
  • Earn 2 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 2 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways

Things To Be Aware Of

  • Bonus Miles will be credited only after AMF payment (60days)
  • 2000 USD min spend monthly to get 2000 Etihad Guest Miles

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • No Annual Fee
  • Interest-free balance transfers
  • Redeem reward points instantly at Lulu
  • Benefits at Ferrari World & Yas Waterworld
  • Lulupoints can be redeemed with supplementary card

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn 5 LuluPoints on purchases made at Lulu and 1.25 LuluPoints on purchases made elsewhere for every 1 AED spent
  • Complimentary access to over 25+ lounges in the Middle East, Levant & select locations globally for the cardholder
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Redeem LuluPoints instantly while shopping at Lulu stores
  • Benefits at Ferrari World and Yas Waterworld Abu Dhabi
  • Optional Credit Shield
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Balance Transfer
  • Buy 1, Get 1 Offers throughout Middle East & Africa across dining, spas and more
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn LuluPoints

  • For every 1 AED spent earn 5 LuluPoints on purchases made at all Lulu stores in UAE.
  • For every 1 AED spent earn 1.25 LuluPoints on purchases made elsewhere subject to meeting a monthly spend goal of AED 3,500 (Lulu & elsewhere).
  • 5000 Lulupoints gives voucher worth AED 50.
  • Points can be redeemed instantly at the checkout counters of Lulu Hypermarket across UAE.
  • Can be redeemed for as low as 5000 Lulupoints & with supplementary card as well.

Things To Be Aware Of

  • Minimum monthly spend of AED 3,500

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Interest-free balance transfers
  • Lulupoints can be redeemed with supplementary card
  • Complimentary airport lounge access
  • 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 3.5 LuluPoints on purchases made at Lulu and 1 LuluPoint on purchases made elsewhere for every 1 AED spent
  • Redeem LuluPoints instantly while shopping at Lulu stores
  • Unlimited airport lounge access at 12 Middle East airports
  • Benefits at Ferrari World and Yas Waterworld Abu Dhabi
  • Optional Credit Shield
  • Balance Transfer
  • Buy 1, Get 1 Offers throughout Middle East & Africa across dining, spas and more

Reward Features

Earn LuluPoints

 

  • For every 1 AED spent earn 3.5 LuluPoints on purchases made at all Lulu stores in UAE
  • For every 1 AED spent earn 1 LuluPoints on purchases made elsewhere subject to meeting a monthly spend goal of AED 3,500 (Lulu & elsewhere)
  • 5000 Lulupoints gives voucher worth AED 50
  • Points can be redeemed instantly at the checkout counters of Lulu Hypermarket across UAE
  • Can be redeemed for as low as 5000 Lulupoints & with supplementary card

Things To Be Aware Of

  • Minimum monthly spend of AED 3,500

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