Best Credit Card In UAE
+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 40,000

RATE

1.66%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • Premium card with no annual fee
  • Travel benefits including Meet & Greet, airport drop
  • Premium luxury lifestyle & travel benefits
  • 5% cashback Rewards in the form of Al-Futtaim FAB Rewards
  • Own personal travel advisor to the World Elite Air Program

MINIMUM SALARY

AED 40,000

RATE

1.66%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Exclusive Mastercard World Elite Concierge benefits
  • 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
  • 5% Cashback Rewards in the form of Al-Futtaim Stars for every AED 1 spent at Al-Futtaim showrooms and stores
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Have your own personal travel advisor and access to the World Elite Air Programme
  • Enjoy 0% EPP at Al-Futtaim showrooms and stores
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Instant upgrade to DISCOVERY Black-level membership, a loyalty programme of Global Hotel Alliance
  • Complimentary upgrade to Gold status in Qatar Airways Privilege Club
  • 40% discount on travel visa related services
  • Curated benefits through Priceless Arabia Mastercard offers
  • Exclusive discounts on Airport Meet & Greet services
  • Upto 8 discounted tickets at VOX
  • Upgrades, savings & discounts on select airlines through the World Elite Air Programme
  • 8 complimentary airport pick up and drop off services per calendar year
  • Complimentary access to 900+ lounges globally for the cardholder PLUS a guest
  • Complimentary Travel Accident Insurance cover of up to US $500,000
  • Rental vehicle collision and Loss Damage waiver of up to US $50,000
  • Global lost & stolen reporting service & emergency card replacement
  • Introductory rates of 1.66% for the first year post which the below applies
  • 3.5% for customers without salary transfer
  • 3.25% for customers with salary transfer

Reward Features

Exchange your Al-Futtaim FAB Rewards for an unmatched range of rewards

  • UP TO 10 AL-FUTTAIM FAB REWARDS FOR YOUR PURCHASES

    Earn ten Al-Futtaim Rewards for every Dirham spent at Al-Futtaim’s stores, showrooms or schools, and two Al Futtaim FAB Rewards for every Dirham spent elsewhere. 

  • REDEEM YOUR AL-FUTTAIM FAB REWARDS FOR A HOST OF BENEFITS

    Redeem your Al-Futtaim FAB Rewards for Etihad Guest Miles, Skywards Miles from Emirates, e-vouchers or cashback credited to your Al-Futtaim Credit Card. Your Al-Futtaim FAB Rewards can also be used at participating Al-Futtaim stores at the check-out counter to pay for your purchases. 

  • EXCLUSIVE AL-FUTTAIM OFFERS

    Get exclusive offers from Al-Futtaim brands. 

Things To Be Aware Of

  • Some benefits require minimum spend of AED 2,000

MINIMUM SALARY

AED 16,000

RATE

3.25%

ANNUAL FEE

AED 524

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Joining offer of up to 75,000 Voyager reward points
  • Earn rewards points on ALL spends
  • Airport lounge access for primary & secondary cardholders

MINIMUM SALARY

AED 16,000

RATE

3.25%

ANNUAL FEE

AED 524

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 90

Joining Offers

Welcome Bonus

  • Spend AED 15,000 on the Voyager Signature Card in the first 60 days and get up to 75,000 Voyager Rewards credit. (worth AED 750).
  • Get 30,000 Voyager Rewards when you pay the annual fee on the due date.
  • Get 15,000 Bonus Spend Rewards when you spend AED 15,000 within the first 60 days.
  • Get balance 30,000 Regular Spend Rewards on transactions made during the billing cycle.

Key Features

  • Earn 'Voyager Rewards' on all spends & redeem against your travel purchases
  • Spend AED 15,000 in the first 60 days & get up to 75,000 Voyager Rewards credit (worth AED 750)
  • 12 complimentary visits each to 1000+ airport lounges globally for primary & supplementary cardholders
  • 12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Travel insurance cover up to $500,000 covering the cardholder & family
  • 24-hour personalised concierge service
  • Fraudulent card misuse protection cover ($2,500 per occurrence, $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • 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 up to four months free for the first year
  • 50% off on dining, shopping, travel and entertainment experiences from over 450 partners
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Voyager Rewards:

  • Earn 3 Voyager Rewards for every AED spent internationally
  • Earn 2 Voyager Rewards for every AED spent locally
  • Earn 1 Voyager Reward for every AED spent on utility bills, school fees, e-govt spends and fuel purchases

Redeem Voyager points against travel purchase transactions (flights/hotel bookings, travel packages, airport transfers, etc.)

Things To Be Aware Of

  • Interest rate varies based on % of total bal paid previously

MINIMUM SALARY

AED 25,000

RATE

3.45%

ANNUAL FEE

AED 650

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Extensive, premium luxury lifestyle benefits
  • Earn Salaam Carats on all spends
  • Premium travel benefits
  • 50% discount on movie tickets
  • ED 2500 cashback as joining bonus

MINIMUM SALARY

AED 25,000

RATE

3.45%

ANNUAL FEE

AED 650

Non AED Transaction Fee

2.79%

Cash Advance Fee

3.15 % / Min 210

Joining Offers

Apply & get AED 2500 cashback will be credited subject to spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.

Key Features

  • AED2500 cashback as joining bonus
  • Earn Salaam Carats on all spends
  • Complimentary Golf at Arabian Ranches, Yas Link and Trump based on spend tiers. Discounts at 14 clubs in UAE and Muscat
  • Unlimited free access to 650+ airport lounges globally for primary, supplementary and a guest
  • Save up to 35% on the finest signature cuisines by the best hotels in the UAE
  • 10 Complimentary tickets on Sundays in a month at VOX Standard and 20% off at Roxy
  • 2 free valet parking at select locations in Dubai and Abu Dhabi
  • 6 complimentary airport limousine service uses per year in Dubai
  • Redeem Salaam points for travel tickets and vouchers
  • Complimentary access to Fitness First
  • Exclusive 30% discount on Luxury yacht charter
  • 6 complimentary Silver Marhaba Meet & Greet services in a year
  • Multi trip travel insurance
  • 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
  • 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)

Reward Features

Earn Salaam Carats

  • Earn 1 Salaam Point on local spends .
  • Earn 3 Salaam points on International spends.

Things To Be Aware Of

  • Supplementary card has annual fee of AED 630
  • Min monthly spends required for some benefits
APPLY NOW

Directly On Mashreq Bank Mobile App

MINIMUM SALARY

AED 7,000

RATE

3.45%

ANNUAL FEE

AED 682

  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn Salaam points on all spends
  • Travel benefits
  • AED 1000 cashback as joining bonus

MINIMUM SALARY

AED 7,000

RATE

3.45%

ANNUAL FEE

AED 682

Non AED Transaction Fee

2.79%

Cash Advance Fee

3.15 % / Min 210

Joining Offers

Joining bonus offer of AED 1000 on Cashback card, AED 1000 on Platinum Elite card and AED 2,000 on Solitaire card Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.

Cashback that will be credited subject to customer spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, customer has to be spend AED 4,500 by 31st August to get the Joining Bonus.

Key Features

  • Elite Lifestyle - A host of exclusive discount offers across categories
  • Earn 3 Salaam Points for every dirham of retail spends
  • Enjoy 3X rewards on all dining and dutyfree spends
  • Complimentary visits to Fitness First
  • Access to 25+ airport lounges in the Middle East and Levant 3 complimentary Airport Pick up or Drop services in a year in Dubai
  • Complimentary Travel Insurance Certificate
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Complimentary Elite Travel Protection Plan
  • Travel Inconvenience & Cancellation
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Travel Accident & Medical
  • Extended Warranty
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn Salaam Points:

  • Earn  3 Salaam points on International spends.
  • Earn 1 Salaam Point on local spends .

Accelerated Reward Points:

  • Enjoy 3X rewards on all dining and duty-free spends.

Things To Be Aware Of

  • Min monthly spends required for some benefits
  • Supplementary card annual fee of AED 156.45
APPLY NOW

Directly On Mashreq Bank Mobile App

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Airport Lounge Access
  • Travel Insurance
  • Free for life

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 0

Non AED Transaction Fee

-

Cash Advance Fee

3.00 % / AED 200

Key Features

  • Free for life card
  • Competitive profit rate
  • Exceptional deals and discounts through Value House
  • 1% referral program for introducing prospect customers
  • Enjoy privileged access to Airport Lounges around the world
  • Free supplementary covered cards
  • Transparency of fees and charges
  • 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
  • Complimentary access to 900+ lounges globally for the cardholder
  • Complimentary access to 900+ lounges globally for the cardholder
  • 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
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Things To Be Aware Of

  • Wakala Fees AED 150

MINIMUM SALARY

AED 5,000

RATE

3.33%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Air Miles
  • 55+ dining and lifestyle discounts
  • 50% Cashback on movie tickets
  • Free Supplementary Cards

MINIMUM SALARY

AED 5,000

RATE

3.33%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.85%

Cash Advance Fee

3.50 % / AED 200

Key Features

  • Exceptional deals and discounts through Value House
  • Free supplementary credit cards
  • Receive 50% cashback on your movie ticket across all cinemas in UAE!
  • Balance Transfer & Easy Cash at amazingly low preferential interest rate starting 1.25% per month with ZERO Processing Fee
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • 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
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Things To Be Aware Of

  • Min. spend of AED 3000 p.m. for free movie tickets

MINIMUM SALARY

AED 5,000

RATE

3.33%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Up to 50% Cashback;Instant AED 400 on successful referral
  • 55+ dining and lifestyle discounts
  • 50% Cashback on movie tickets
  • Free Supplementary Cards

MINIMUM SALARY

AED 5,000

RATE

3.33%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.85%

Cash Advance Fee

3.00 % / AED 200

Key Features

  • Exceptional deals and discounts through Value House
  • Free supplementary credit cards
  • Receive 50% cashback on your movie ticket across all cinemas in UAE
  • Balance Transfer & Easy Cash at amazingly low preferential interest rate starting 1.25% per month with ZERO Processing Fee

Reward Features

Earn up to 50% Cashback and an instant AED 400 on each successful referral!

Things To Be Aware Of

  • Min spend of AED 3000 p.m. for free movie tickets

MINIMUM SALARY

AED 30,000

RATE

3.75%

ANNUAL FEE

AED 600

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn up to 5 FAB Rewards for every AED 1 you spend
  • Access to over 1,000+ Airport Lounges
  • Complimentary multi-trip travel insurance
  • Movie tickets from just AED 15
  • Golf discounts with Visa Golf

MINIMUM SALARY

AED 30,000

RATE

3.75%

ANNUAL FEE

AED 600

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / AED 158

Key Features

  • A convenient solution for all those enjoy the basic luxuries in life! FAB Infinite Credit Cardholders can enjoy 3 valet parking services per month at select locations.
  • FAB Infinite Credit Cardholders can enjoy 6 movie tickets per month at AED 15 during weekdays and AED 20 during weekends with Reel Cinemas, Cine Royal, and Oscar Cinemasand at AED 20 during weekends at Vox Cinemas.
  • Take your golf to the next level with Visa Golf and get exclusive discounts on highly prestigious golf courses.
  • Make the most of your trip with a 24-hour Concierge Service to help you with an array of travel-related tasks.
  • Plus hundreds more top-class offers available to FAB Infinite Credit Cardholders.
  • Get welcomed at the airport in style! FAB VISA Infinite Credit Cardholders can enjoy 6 Meet & Greet services per annum from AED 40 (individual booking) or AED 100 (family booking).
  • Note: The service at Abu Dhabi airport is temporarily on hold until further notice.
  • Travel in style with access to more than 1000+ airport lounges worldwide for you and a guest.
  • Visa gives you 20% off on 3 airport transfers with Careem. Use promo code VISAINFINITEUAE and pay with Visa Infinite when you book your airport transfer with Careem.
  • Get complimentary Travel Accident Insurance of up to USD 1 million.
  • Get complimentary Travel Accident Insurance of up to USD 1 million.
  • Benefit from automatic protection against unauthorised transactions or fraudulent use of your card.
  • If you have used your FAB Visa Infinite Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your principal country of residence for up to 90
  • days.

Reward Features

Earn up to 5 FAB Rewards for every AED 1 you spend
Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday

For cardholders with Salary Transfer to FAB

5 FAB rewards for every 1 AED spend in non AED currency

4.5 FAB rewards for every 1 AED spend in the local currency (UAE)

For all other FAB Visa infinite credit card customers

4 FAB rewards for every 1 AED spend in non AED currency

3.5 FAB rewards for every 1 AED spend in the local currency (UAE)

 

Things To Be Aware Of

  • Spend critiera applicable for Valet and Movies

MINIMUM SALARY

AED 8,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Roadside Assistance
  • No Annual Fee
  • Choice of different loyalty rewards types
  • Free Cinema Tickets
  • Airport Transfers Facility

MINIMUM SALARY

AED 8,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.50 % / Min 105

Joining Offers

Spend and Win Cash Prizes !

Key Features

  • Free VIP Diamond Lounge Access at Abu Dhabi airport
  • 4 movie tickets per month for AED 15 with Reel Cinemas, Cine Royal and Oscar Cinema
  • 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
  • Free Airport Transfers
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Accident care plan
  • 4 free months of Anghami Plus
  • Emergency auto assistance
  • Balance Transfer
  • WARNING If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance.

Reward Features

  • Earn 1 Star for every AED 1 spent on domestic purchases. 
  • Earn 1.75 Stars for every AED 1 spent on international purchases.

First Reward Point:

  • Earn 1 First Reward Point per AED on domestic spends.
  • Earn 2 First Reward Points on International Spends and Bonus First Rewards points shall be awarded for a minimum cumulative spend of AED 500 and maximum spend of AED 20,000 during a given month.
  • Earn 2 First Reward points for supermarket transactions.

Things To Be Aware Of

  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Roadside Assistance
  • No Annual Fee
  • Spend and win premier Manchester City experiences
  • 10% discount on products at Etihad stadium retail store
  • Access to airport lounges across the Middle East
  • 20% discount on city football schools

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Win a trip to the Etihad Stadium to watch Manchester City in action
  • Witness one of the final matches in the UK
  • Win a chance to meet the Manchester City Team in the UK
  • Win official kids coaching lessons
  • Redeem loyalty points against MCFC merchandise
  • Win Mall Vouchers
  • Shop Smart
  • Choice of loyalty rewards - Rewards, Miles or Cashback
  • Complimentary access to 1000+ lounges globally for the cardholder Plus a guest (via Loungekey)
  • Airport Dining Discount Program with DragonPass
  • 24-hour personalised premium concierge service
  • Discounts with Agoda
  • Visa Luxury Hotel Collection
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Valet parking up to 5 times a month in Dubai & Abu Dhabi
  • 10 tickets under Buy1 Get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Jumeirah Hotel Stay Offers
  • YQ Meet & Greet Service discounts
  • AVIS Car Rental offers
  • Medical & Travel assistance
  • Global Customer Assistance Services
  • 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
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Extended warranty
  • Balance Transfer

Reward Features

  • Earn up to 5 FAB Rewards for every AED 1 you spend
  • Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month
  • Win big with boys in blues has limited winners annually

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 1,500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • 35,000 welcome Etihad Guest Miles
  • 50% Etihad Guest Miles discount voucher
  • Access to 1000+ airport lounges across the world
  • Fast track enrolment to Etihad Guest Silver Membership
  • Earn up to 6.5 Etihad Guest Miles for every AED 10 spent

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Get a warm welcome with a 35,000 Etihad Guest Miles bonus.

Key Features

  • Receive 35,000 Etihad Guest Miles as welcome bonus for primary Card
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Double Etihad Guest Tier Miles
  • Earn Etihad Guest Miles on all your purchases
  • Visa luxury hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 50% Miles Discount Voucher every year on reaching an annual spend of AED 150,000
  • Optional Miles Accelerator program
  • 10% discount on Etihad Airways holiday package
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Fast track enrolment to Etihad Guest Silver membership
  • Complimentary inflight wi-fi vouchers
  • 2 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Access to 1000+ airport lounges across the world, 8 times per annum
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Visa golf access - exclusive discounts on highly prestigious golf courses
  • Exclusive 24/7 Concierge Service
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • Shop Smart
  • International medical and travel assistance
  • Home content insurance
  • 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

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

  • Domestic transactions (AED): 2.75 Miles earned per AED 10
  • International transactions (non-AED): 4.5 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 5.5 Miles earned per AED 10

EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPENDS

All purchase transactions (domestic or international): 2.5 Miles earned per AED 10

MILES ACCELERATOR PROGRAM

Earn 6.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

Things To Be Aware Of

  • Supplementary cards have annual fee of AED 250

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 2,500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • 75% Etihad Guest Miles Discount Voucher
  • Fast Track Enrolment to Etihad Guest Gold Membership
  • Complimentary Inflight Wifi Vouchers
  • Optional Etihad Guest Miles Accelerator
  • 55,000 welcome Etihad Guest Miles

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 2,500

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Get a warm welcome with 55,000 Etihad Guest Miles bonus.


Key Features

  • Receive 55,000 Etihad Guest Miles as welcome bonus
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Double Etihad Guest Tier Miles
  • Complimentary Inflight Wifi Vouchers
  • Earn bonus Etihad Guest Miles of 55000 on a spend of AED 100000 in the first six months
  • 75% Miles Discount Voucher every year on reaching an annual spend of AED 200,000
  • Optional Miles Accelerator program
  • Fast track enrolment to Etihad Guest Gold membership
  • 6 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Exclusive 24/7 Concierge Service
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • 8% discount on hotel bookings made at Hotels.com
  • Shop Smart
  • Extended warranty
  • International medical and travel assistance
  • Home content insurance
  • 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

Reward Features

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

  • Domestic transactions (AED): 3.5 Miles earned per AED 10
  • International transactions (non-AED): 6.0 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 7.0 Miles earned per AED 10

EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPEND

All purchase (domestic or international): 2.5 Miles earned per AED 10

MILES ACCELERATOR PROGRAM

Earn 7.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

Things To Be Aware Of

  • Supplementary cards have annual fee of AED 250

MINIMUM SALARY

AED 50,000

RATE

3.75%

ANNUAL FEE

AED 2,000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Guranteed AED 2000 travel voucher on FAB Travel Portal
  • No international transaction fees
  • 1 complimentary night for every 3 paid nights on FAB portal
  • Redeem across 800+ airlines, 500,000+ hotels and car rental
  • Unlimited free access across over 1,000+ airport lounges

MINIMUM SALARY

AED 50,000

RATE

3.75%

ANNUAL FEE

AED 2,000

Non AED Transaction Fee

-

Cash Advance Fee

3.15 % / AED 105

Joining Offers

Get a guaranteed AED 2000 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.

Key Features

  • Endless choices and benefits across everything travel, including flights, hotels, car hire, and much more
  • Use your Travel Card abroad with no foreign transaction fees on your purchases (excluding currency conversion/scheme charges)
  • One complimentary night for every three paid nights when booked through the FAB Travel Portal
  • Unlimited free access across over 1000+ airport lounges globally for the cardholder and two guests
  • Enjoy up to 10% discount for First, Business (Club World), Premium Economy (World Traveller Plus) and Economy (World Traveller) classes when travelling from the UAE
  • Enrol as Jumeirah One member and receive exclusive benefits with tier level upgrades for select cardholders.
  • Use your FAB Elite Infinite Travel Card on UBER internationally and get up to US $25 credit per ride (up to eight rides)
  • Get up to 12 free airport transfers a year within the UAE no matter which airport you are using
  • One free ride per trip within the same emirate
  • Two free rides per trip between emirates
  • As a Visa Signature and Visa Infinite cardholder, get 20% off three Careem rides by Visa. For details visit ae.visamiddleeast.com
  • Receive 30% off airport Meet and Greet services in over 450 destinations globally with your FAB Visa Travel Card
  • Visa’s 24-hour concierge provides a personal service for all Visa Elite Infinite cardholders
  • Discounts on green fees at a growing number of golf clubs across the globe
  • Enjoy ‘buy one get one free’ offers through the "Visa Offers MENA" app
  • Jumeirah Hotels: Up to 20% off at Jumeirah dining establishments
  • Meraas: Up to 20% off at Meraas dining, leisure and entertainment venues
  • As a Visa cardholder, get up to 35% discount on standard rates and 30% off international leisure rates.
  • Free travel accident insurance of up to USD 1m when you use your FAB Travel Card to purchase your travel tickets
  • Free international medical and travel assistance when you use your FAB Travel Card to purchase your travel tickets
  • Your credit card’s outstanding balance is taken care of with Credit Shield programme if you can’t meet your credit card payments due to unforeseen circumstances
  • All purchases on your FAB credit card are automatically covered for up to 365 days from the purchase date
  • Enjoy double the original manufacturer’s or retailer’s warranty for up to one year
  • Benefit from automatic protection against unauthorised transactions or fraudulent use of your card
  • Above offers are subject to change.

Reward Features

Earn FAB Miles with every USD $1 spend:

  • Get 2 FAB Miles for each USD $1 spent on retail purchases anywhere
  • Get 2.5 FAB Miles for each USD $1 spent on any travel purchase 
  • Exchange 1 FAB Mile to 1 mile / point or more, of participating airline and hotel partners.

Participating partners include:

  1. Aeroplan
  2. Avianca LifeMiles
  3. BIG Rewards
  4. British Airways Executive Club
  5. Club Vistara
  6. Emirates Skywards
  7. Flying Blue
  8. Fortune Wings Club
  9. IHG® Rewards
  10. Jumeirah One
  11. Turkish Airlines Miles&Smiles
  12. Wyndham Rewards

Access the FAB Travel Portal through your FAB Mobile app or Online Banking

  • Book travel across a choice of 800+ airlines, 500,000+ hotels and car rental
  • Transfer FAB Miles to a partner travel programme
  • Buy gift cards for international brands with your FAB Miles
  • Cash-in FAB Miles and turn into credit on your Travel Card 

Use the FAB Miles on your FAB Travel Card to:

  • Book and pay for travel bookings
  • Get complimentary hotel nights when you book hotel stays through the portal

Things To Be Aware Of

  • Some benefits may require minimum spend

MINIMUM SALARY

AED 15,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • No annual fee
  • 10% cashback on du bills
  • Fab rewards are instantly redeemable for du bills
  • Access to airport lounges across the Middle East

MINIMUM SALARY

AED 15,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • 10% discount on du postpaid and home services
  • 10% bonus credit on prepaid line recharges
  • 10% discount on your du smartphone Privilege Plan monthly data charges
  • Accelerated First Reward points on du transactions
  • Select a loyalty program of your choice - rewards, miles or cashback
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • AVIS Car rental offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Talk for free
  • Tap & Go
  • Shop smart
  • Free access 6 times a year to VIP airport lounges worldwide
  • Free VIP Diamond Lounge Access at Abu Dhabi airport
  • Valet parking up to 5 times a month in Dubai & Abu Dhabi
  • Upto 4 discounted tickets at VOX
  • Balance Transfer

Reward Features

  • 10% cashback on your du postpaid line bills
  • 10% cashback on du home services bill payments
  • 10% cashback on prepaid line recharges
  • 10% cashback on your du smartphone Privilege Plan monthly data charges

You can benefit from the offers above after a minimum spend of AED 2,500 on your du Platinum Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.

  • Earn up to 4 FAB Rewards for every AED 1 you spend
  • Enjoy instant redemption and choose from an extensive selection of rewards, including shopping, cashback, utility bill payments, dining out or booking your next holiday

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 315

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Welcome bonus of AED 300 cashback
  • 5% cashback on supermarket, fuel & Utilities
  • Upto 2 discounted tickets at VOX

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 315

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min AED105

Joining Offers

Apply for a new FAB Mastercard credit card and earn cashback and earn AED 300 cashback as welcome bonus

  • Make one retail transaction in the first 30 days of card issuance and you’ll receive AED 300 as bonus cashback.

Key Features

  • Cashback on all domestic and International transactions
  • Free Supplementary Card
  • Welcome bonus of AED 300
  • Upto 2 discounted tickets at VOX
  • Unlimited complimentary ariport lounge access at select GCC lounges for primary & supplementary card holders
  • Buy 1 Get 1 Free offers using the Mastercard app
  • Exclusive Avis rent a car benefits
  • Shop Smart
  • Luxury Serviced Apartments and Hotel Offers
  • 3.5% interest per month for Banking customers ( with salary transfer) & 3.75% interest per month for Non-Banking (Non salary transfer) customers.

Reward Features

Earn Cashback

  • 5% cashback on supermarket (including online), fuel and utilities. Posted as 12.5 FAB Rewards/ AED 1 spending
  • 2% cashback on non-AED spends. Posted as 5 FAB Rewards/ AED 1 spending
  • 1% cashback on all other retail spends, including online shopping. Posted as 2.5 FAB Rewards/ AED 1 spending

Effective from 15 March 2021, cashback per month is capped as follows: AED 500 cashback on supermarket shopping, AED 250 cashback on fuel and AED 250 cashback on utility spending. There are no caps for non-AED and other retail spending.

Things To Be Aware Of

  • Max cashback caps apply to specific categories
APPLY NOW

Directly On First Abu Dhabi Bank (FAB) Mobile App

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Comprehensive lifestyle offers
  • Discounts on flights and holiday packages
  • Flexible payment options
  • Life time free card along with a AED 300 Noon.com Voucher

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply for a Platinum credit card and get it free along with a voucher worth AED 300 to spend on Noon.com.


Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Complimentary 2-for-1 Deals with Entertainer
  • Up to 2 airport transfers per calendar year
  • Access to over 200 airport restaurant offers globally
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 6 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • 10 complimentary tickets through Vox Buy1 Get1 and 20% off at Roxy Cinemas
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Salik auto top-up feature
  • 0% Easy Instalment Plan
  • Utility Bill Payments
  • Bon Appetit - Exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • 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

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.
  • Earn Plus Points rewards on all domestic and international spends-Earn up to 1.5 Plus Points for every AED 100 spend
  • Earn 0.4% Plus Points in supermarkets and groceries spends
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends
  • Earn 0.2% Plus Points in Fuel and Utility Payments
  • Earn 0.2% Plus Points in Real Estate and Education spends.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • No annual fee
  • Earn cashback on all spends

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Annual Fees waived
  • Complimentary Global Internet Calling
  • Earn 1% cashback on local spends & 2% on international spends
  • Unlimited access to selected airport lounges across Egypt, Jordan, Kuwait, Saudi Arabia & UAE
  • 1 free valet parking service per month at 30+ locations in Abu Dhabi and Dubai
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights

Reward Features

Earn Cashback

  • Earn 1% cashback on local spends
  • Earn 2% cashback on international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations

MINIMUM SALARY

AED 50,000

RATE

2.99%

ANNUAL FEE

AED 1,500

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Exclusive lifestyle offers and perks
  • Golf club privileges
  • Exclusive Concierge Desk Privileges
  • AED 400 Noon Voucher ( T&Cs apply)

MINIMUM SALARY

AED 50,000

RATE

2.99%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

AED 400 Noon Voucher ( T&Cs apply)


Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Unlimited complimentary access to over 650+ VIP lounges worldwide for primary, supplementary and 1 guest each
  • Dedicated concierge service
  • Up to 4 airport transfers per calendar year
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 12 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and Muscat.
  • Salik auto top-up feature
  • Bon Appetit - Exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • 20% off at Roxy cinema on weekdays. Not valid on public holidays and applicable untill Sept 2020. There is no minimum spend requirement on this card for this offer.
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel Insurance cover
  • 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
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.
  • Earn up to 2 Plus Points for every AED 100 spend
  • Earn 0.4% Plus Points in supermarkets and groceries spends
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends
  • Earn 0.2% Plus Points in Fuel and Utility Payments
  • Earn 0.2% Plus Points in Real Estate and Education spends
  • See more information and redemption options

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Excellent discounts & offers at Emaar establishments
  • Premium travel and lifestyle benefits
  • Earn Upoints for all your spends

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Enjoy 2,500 Upoints when you apply for the card. AED 250 Noon voucher ( T&Cs apply)


Key Features

  • Get 6.25% back on all your shopping & dining spends at Emaar Malls.
  • Enjoy 6.25% back when you stay at Emaar Hotels.
  • Enjoy 6.25% back when you dine at Emaar Restaurants.
  • Enjoy up to 30% off on Entertainment at Emaar Entertainment Group.
  • 3 tickets on Buy1 Get1 at Reel and 20% off at Roxy cinemas.
  • 0%Easy Instalment Plan.
  • SALIK Auto Top up.
  • Utility Bill Paments.
  • Discount on Air Tickets and Holiday Packages.
  • SkyShopper.
  • Free 24/7 Roadside assistance.
  • Earn Upoints for every spend.
  • Contactless Payments.
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Complimentary Concierge Service at Dubai Mall
  • Fashion Lounge Access with a guest at The Dubai Mall
  • Hotel Discounts through Emaar hotels website
  • Airport Lounge Access to over 1000+ lounges globally for the cardholoder plus a guest
  • Travel Insurance cover up to USD 500,000
  • Extended warranty protecting against cost of repair and replacement
  • Purchase protection against theft or accidental damage
  • Visa 24-hour concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Visa Luxury Hotel Collection offers
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Fraudulent card misuse protection

Reward Features

Earn Emaar Upoints

  • Earn 62.5 Upoints per AED 100 on all spends at Emaar.
  • Earn 12.5 Upoints per AED 100 on all spends outside Emaar.
  • Earn 25% of the Base Upoints when you spend in Grocery and Supermarkets.
  • Earn 10% of the Base Upoints when you spend in Petroleum and Government Services.
  • Earn 10% of the Base Upoints when you spend in Telecommunication Payment.

(Cap-16666 points P.M.)

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 30,000

RATE

3.09%

ANNUAL FEE

AED 1,500

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Excellent discounts & offers at Emaar establishments
  • "Platinum" U By Emaar status
  • Premium travel and lifestyle benefits
  • Earn Upoints for all your spends
  • AED 400 Noon Voucher ( T&Cs apply)

MINIMUM SALARY

AED 30,000

RATE

3.09%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Enjoy 25,000 Upoints when you apply for the card. AED 400 Noon voucher.


Key Features

  • Complimentary Platinum U By Emaar Membership
  • 30% off on dining across Emaar Hospitality Group
  • 3 tickets on Buy1 Get1 at Reel and 20% off at Roxy cinemas.
  • 20% off spas at Emaar Hospitality venues
  • Two Complimentary Golf rounds at 5 courses in the UAE. Discounts at 14 courses in UAE and Muscat
  • 30% off entertainment
  • SALIK Auto Top up
  • Utility Bill Paments
  • Discount on Air Tickets and Holiday Packages
  • SkyShopper
  • Complimentary Valet Parking & Concierge Service at Dubai Mall
  • Fashion Lounge Access with a guest at The Dubai Mall
  • Hotel Discounts through Emaar hotels website
  • Airport Lounge Access to over 1000+ lounges globally for the cardholoder plus a guest
  • Travel Insurance cover up to USD 1,000,000
  • Extended warranty protecting against cost of repair and replacement
  • 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
  • Purchase protection against theft or accidental damage
  • Visa 24-hour concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Visa Luxury Hotel Collection offers
  • Fraudulent card misuse protection

Reward Features

  • Earn Upoints for every spend and redeem them instantly  at over 1500+ stores across your favourite brands.
  • Earn 1.5% back as Upoints for all your spends (cap- 83,333 Upoints P.M.)-15 Upoints per AED 100 spent
  • Enjoy 5 times more when you spend in Emaar-75 Upoints per AED 100 spent
  • Earn 25% of the Base Upoints when you spend in Grocery and Supermarkets
  • Earn 10% of the Base Upoints when you spend in Petroleum and Government Services
  • Earn 10% of the Base Upoints when you spend in Telecommunication Payment

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 25,000

RATE

3.09%

ANNUAL FEE

AED 1,500

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Roadside Assistance
  • Extensive premium lifestyle & travel benefits
  • Exclusive benefits at Starwood Hotels & Resorts
  • Earn Starpoints on all spends
  • Comprehensive travel insurance cover

MINIMUM SALARY

AED 25,000

RATE

3.09%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Introductory offer - Up to AED 2,500 Travel Vouchers


Key Features

  • Introductory offer - up to 50,000 bonus Starpoints
  • Automatically get complimentary Elite Credit of 5 nights / 2 stays
  • Earn Starpoints on all retail spends
  • Earn additional Starpoints for spends at Marriott Reward Hotels & participating SPG hotels and resorts
  • Redeem Starpoints for a host of rewards, including Free Night Awards, SPG Flights and SPG Moments
  • Complimentary SPG Gold member status
  • Complimentary access to 850+ premium airport lounges worldwide
  • Complimentary concierge service
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 12 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Complimentary golf access twice a month at select courses
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Free 24/7 Roadside Assistance
  • Up to 50% discount at over 500 spas, medical & wellness centres, gyms, salons and more
  • Up to 50% discounts across theme parks, indoor sports, marine attractions etc.
  • Enjoy exclusive benefits with Avis car rental services
  • The Bicester Village Shopping Collection Benefits
  • Hertz Gold Plus Rewards® Five Star Membership
  • Starwood Hotels & Resorts Complimentary Hotel Nights
  • Luxury Serviced Apartment Discounts
  • 10% discount on any international roundtrip airfare
  • Complimentary Fast Track Travel Visa Service
  • Discounted chauffeur rides with Careem
  • Fairmont, Raffles, and Swissotel Spa Offer
  • MasterCard Buy 1 get 1 offers
  • Reebonz online shopping privileges
  • MYUS Premium Shipping Discounts
  • Travel Inconvenience & Cancellation Insurance
  • Comprehensive Travel Insurance Travel Medical cover up to $500,000
  • Card Fraud Protection cover up to $4,000 per year

Reward Features

Earn Starpoints Rewards:

  • Domestic retail Spends - 1 Starpoint per US $1
  • Spends at participating Marriott Rewards Hotels - 2 Starpoints per US $1
  • Spends at participating SPG Hotels - 5 Starpoints per US $1
  • Insurance, Car dealership related, Grocery/Supermarket - 0.25%
  • Real Estate, Education, Fuel, Govt Services, Utilities, Telecom -  0.1%

Redeem Starpoints for a host of rewards, including Free Night Awards, SPG Flights and SPG Moments.

Earn up to 50% more Starpoints every month (max 4,000) for all your retail purchases by enrolling in Express Points Programme (monthly fee of AED 300).

Things To Be Aware Of

  • $10,000 spend in 1st 3 mnths to earn 25,000 bonus Starpoints
  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Life time free card along with a AED 250 Noon.com voucher
  • Enjoy MasterCard Buy 1 Get 1 offers
  • Earn rewards on all domestic & international spends

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Life time free credit card along with a AED 250 Noon.com voucher.  Apply online now!


Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Exclusive NBD Golf discounts program. 40% discount at over 100 golfcourses worldwide
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Discounted chauffeur rides with Careem
  • Enjoy exclusive benefits with Avis car rental services
  • MasterCard Buy 1 get 1 offers
  • MarkaVIP online shopping discounts
  • Card fraud protection
  • 0% Easy Installment Plan
  • Sky Shopper

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points rewards on all domestic and international spends - 1 Plus Point for every AED 100 retail spend.
  • Earn 0.4% Plus Points in supermarkets and groceries spends.
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends.
  • Earn 0.2% Plus Points in Fuel and Utility Payments.
  • Earn 0.2% Plus Points in Real Estate and Education spends.
  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Comprehensive lifestyle offers
  • Discounts on flights and holiday packages
  • Life time free card along with a AED 300 Noon.com Voucher

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply for a Platinum credit card and get it free along with a voucher worth AED 300 to spend on Noon.com.

Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Dedicated concierge service
  • Up to 2 airport transfers per calendar year
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 6 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Exclusive NBD Golf discounts program. 40% discount at over 100 golfcourses worldwide
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Up to 30% discount on travel booking made via Cleartrip
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Enjoy exclusive benefits with Avis car rental services
  • MasterCard Buy 1 get 1 offers
  • Mastercard Priceless Cities offers
  • 0% Easy Instalment Plan
  • MYUS Premium Shipping Discounts
  • Purchase protection of up to USD 5,000 per year

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.
  • Earn up to 1.5 Plus Points for every AED 100 spend.
  • Earn 0.4% Plus Points in supermarkets and groceries spends.
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends.
  • Earn 0.2% Plus Points in Fuel and Utility Payments.
  • Earn 0.2% Plus Points in Real Estate and Education spends.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Exclusive offers for Manchester United Football Club Fans
  • Earn "Red" rewards points on all spends
  • Anniversary Gift (spend based)
  • Life time free card along with a AED 250 Noon.com Voucher.

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Activate your Card and you will recieve a Manchester United Home Jersey and Complimentary Manchester United 'RED Box'.

AED 250 noon.com e-voucher for all your online shopping.

Key Features

  • Receive your memorable welcome gift as a die-hard Manchester United fan.
  • Complimentary Gift - The Manchester United 'RED Box'
  • Earn RED Points for domestic and international spends Earn 2X on all international spend
  • Earn 5X RED Points on all Dining spends
  • Earn 10X RED Points on Sports Good Stores
  • Guaranteed lifetime gift on annual spend of AED 250,000 in a calendar year.
  • Exclusive offers for highest spenders every month, quarter and year
  • Exclusive "Red Deals"
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Enjoy exclusive benefits with Avis car rental services
  • Avail upto 40% discount at over 100 golf courses worldwide
  • Up to 30% at over 2,000 restaurants across the UAE , Middle East and Europe
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • MasterCard experiences and offers
  • Free 24/7 roadside assistance
  • Lifestyle Protector Insurance

Reward Features

Earn RED Points Rewards

  • 10 Red Points for every 1 AED at sports goods stores
  • 5 Red Points for every 1 AED at dining outlets
  • 2 Red Points for every 1 AED spent internationally
  • 1 Red Point for every 1 AED spent on all other retail purchases

Maximum Red Points for sports good stores and dining outlets in one billing cycle is 50,000 Red points. Red Points can be redeemed for gift vouchers, cash back.

Things To Be Aware Of

  • Max spend cap for spends on sports good stores and dining

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Free for life card
  • 3.5% cashback at Lulu stores and online
  • Up to 2 free VOX cinema tickets per month
  • Life time free card along with a AED 250 Noon.com Voucher

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min AED 99

Joining Offers

AED 300 noon.com e-voucher for all your online shopping!


Key Features

  • Earn up to 3.5 back as Lulu points on spends at Lulu stores and online
  • Exclusive privileges and offers at Lulu
  • 3 Complimentary tickets at Vox Standard under Buy1 get 1 offer
  • Free airport lounge access at over 10 lounges across the Middle East
  • Buy 1 Get 1 offers with the Entertainer app
  • Purchase protection cover up to 180 days from date of purchase
  • Up to 30% discounts on round trip international airfare or hotels from Cleartrip.com

Reward Features

Earn LuLu Points
  • Earn 3.5% on LuLu in-store and online spends
  • Earn 2% on fuel spends
  • Earn 1% on utility bill payment
  • Earn 0.35% on all other spends

Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED

Things To Be Aware Of

  • Min spend of AED 2,000 req for cinema offers

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Class leading cashback of 7% at Lulu stores & online
  • Loaded with benefits - cinema/valet/airport drops etc.
  • Exclusive benefits & offers at Lulu stores & online
  • AED 250 Noon voucher ( T&Cs apply)

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min AED 99

Joining Offers

  • Up to Welcome 500 Lulu Points
  • 250 Lulu points on payment of joining fee & first transaction
  • 250 Lulu points on spending minimum AED 8,000 in first 2 billing statements
  • 0% Balance Transfer with zero processing fee for 6 or 12 months

Key Features

  • Welcome Bonus Up to 500 LuLu Points
  • Earn up to 7% back as Lulu points on spends at Lulu stores and online
  • Concierge Service
  • 0% Balance Transfer with zero processing fee
  • Member benefits- Exclusive privileges and offers at LuLu
  • Complimentary tickets at Vox Standard under Buy1 get 1 offer
  • Up to 4 complimentary valet parking services in Abu Dhabi locations
  • Complimentary golf rounds twice a month at 5 golf courses in the UAE.
  • Up to 2 complimentary airport drop services each year
  • Free airport lounge access at over 25 lounges across the Middle East and international locations
  • Buy 1 Get 1 offers with the Entertainer app
  • Discount on Air Tickets and Holiday Packages
  • SkyShopper
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Up to 30% discounts on round trip international airfare or hotels from Cleartrip.com
  • Up to 15% on Avis car rentals worldwide
  • 0%Easy Instalment Plan
  • SALIK Auto Top up
  • Utility Bill Paments

Reward Features

Earn LuLu Points

  • Earn 7% on LuLu in-store and online spends
  • Earn 4% on fuel spends
  • Earn 2% on utility bill payment
  • Earn 0.7% on all other spends
  • Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED

Things To Be Aware Of

  • Min spend of AED 4,000 req for cinema offers

MINIMUM SALARY

AED 25,000

RATE

3.09%

ANNUAL FEE

AED 999

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Exclusive Concierge Desk and privileges
  • 15% rewards for spends at dnata
  • 10% rewards for Duty Free Shopping
  • Complimentary airport lounge access

MINIMUM SALARY

AED 25,000

RATE

3.09%

ANNUAL FEE

AED 999

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

  • Up to AED 2,500 Travel Vouchers
  • AED 1,000 travel voucher on payment of joining fee
  • AED 1,500 travel voucher on retail spends of AED 25,000 in the first 3 billing statements
  • AED 400 Noon voucher (T&C apply)

Key Features

  • Introductory offer - Up to AED 2,500 Travel Vouchers
  • Earn dnata Points for every spend
  • 15% Rewards for Spends at dnata
  • Earn accelerated rewards at partner stores
  • Unlimited complimentary access to over 850 premium lounges globally
  • Dedicated concierge service
  • Up to 4 free airport transfers per calendar year
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 12 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Two complimentary rounds at Track Meydan, Trump, Ranches, Sharjah Shooting club and Yas links
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Enjoy exclusive benefits with Avis car rental services
  • The Bicester Village Shopping Collection Benefits
  • Hertz Gold Plus Rewards® Five Star Membership
  • Starwood Hotels & Resorts Complimentary Hotel Nights
  • Luxury Serviced Apartment Discounts
  • Mastercard Priceless Cities offers
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Complimentary Fast Track Travel Visa Service
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • MasterCard Buy 1 get 1 offers
  • MYUS Premium Shipping Discounts
  • Travel Inconvenience & Cancellation Insurance
  • Comprehensive Travel Insurance Travel Medical cover up to $500,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features

Earn dnata rewards

  • Earn dnata Points for every spend on your dnata World Mastercard, with accelerated rewards at partner stores across travel, dining, leisure and entertainment
  • Earn 15% dnata Points Costa, City Sightseeing, Giraffe, Imagine Cruising
  • Earn 15% dnata Points on dnata Travel
  • Earn 10% dnata Points at Emirates Holidays, MMI
  • Earn 10% dnata Points at Al Hamra Cellar, Arabian Adventures, Emirates Holidays, Le Clos
  • Earn 10% dnata Points on Duty Free Shopping
  • Earn 10% dnata Points on Duty Free Shopping
  • Earn 2% dnata Points on all retail spends

Things To Be Aware Of

  • Specific spend categories earn lower rewards
  • Max spend cap for spends on participating partners

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 10,000

RATE

3.25%

ANNUAL FEE

AED 400

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Global airport lounge access and travel insurance
  • AED 250 Noon voucher

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 400

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Unlimited complimentary access to VIP lounges worldwide for primary cardholder
  • Free golf at Yas Links Abu Dhabi once in a month
  • Bon Appetit - exclusive dining discounts
  • Global privileges - exclusive savings on travel, dining, entertainment and more, all over the world
  • Travel insurance cover of up to USD 100,000
  • Free 24/7 roadside assistance up to 2 times per year

Reward Features

Earn Plus Points rewards on all domestic and international spends:

  • 1 Plus Point for every AED 100 retail spend
  • Earn 5% points on Duty Free spends and 2.5% on dining spends
  • Insurance, Car dealership related, Grocery/Supermarket will earn 0.4% Points
  • Real Estate, Education, Fuel, Govt Services, Utilities, Telecom will earn 0.2% Points
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back

Things To Be Aware Of

  • Airport lounge access requires 3 month avg spend of AED2,500
  • Specific spend categories earn lower rewards
  • Golf requires monthly spend of AED 3000

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 700

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Welcome bonus of 150,000 EI SmartMiles worth AED 1,500
  • Get up to 3.75% back per AED (in form of SmartMiles)
  • Complimentary Unlimited access to 1000 lounges worlwide
  • Free Valet Parking
  • Extensive premium lifestyle & travel benefits

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Joining Offers

Welcome bonus of 75,000 EI SmartMiles upon payment of Annual Fee for the first year.

Key Features

  • Welcome bonus of 150,000 EI SmartMiles worth AED 1,500
  • Earn EI SmartMiles on all spends - domestic & international
  • Complimentary access to 1000+ lounges globally for the cardholder Plus a guest (via Loungekey)
  • 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
  • “Instant Purchase" - shop with EI SmartMiles anytime, anywhere
  • Miles Exchange with frequent flyer programmes with Emirates Skywards, Etihad Guest, and InterMiles
  • A wide range of shopping options with online market place
  • Unlimited Complimentary Golf at Arabian Ranches and Track Meydan Clubs. Discounts at 14 clubs in UAE and Muscat
  • 24-hour personalised premium concierge service
  • Free Valet parking up to 2 times per month
  • Visa Luxury Hotel collection offers
  • DragonPass 'Dine & Fly' airport dining program
  • Mazaya offers
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • 8% discount on hotel bookings made at Hotels.com
  • Visa PayWave - new, convenient, faster and safer way to pay
  • 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

Earn EI SmartMiles

Earn Upto 2.5 EI Smart Miles per AED on local transactions.

Earn Upto 3.75 EI Smart Miles per AED on international transactions.

 

You can redeem your EI SmartMiles

  • With the instant purchase feature against any purchase, across the globe
  • At over 300 airlines and more than 180,000 hotels worldwide
  • For latest electronics or for gift vouchers at our online marketplace
  • Simply exchange your EI SmartMiles for Miles with frequent flyer program with Emirates Skywards, Etihad Guest, and InterMiles.

10,000 EI SmartMiles= 1,000 Emirates Skywards Miles

10,000 EI SmartMiles= 2,500 Etihad Miles

20,000 EI SmartMiles = 4,000 InterMiles

 

Things To Be Aware Of

  • Specific categories of spend have lower earn rates
  • Welcome miles will be given once AMF is paid

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 899

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Fast-Track Etihad Guest Silver Tier Status
  • Up to 3 Etihad Guest Miles per USD spent
  • Choice of two category spends to earn more miles
  • 20% miles back on flight redemptions & upgrades
  • Get upto 110,000 Etihad Guest bonus Miles & AED 899 cashback

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 899

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / or AED 103

Joining Offers

Welcome bonus of 70,000 Etihad Guest Miles upon payment of Annual Membership Fee.  40,000 Etihad Guest Miles  + AED 899 on meeting the spend criteria of AED 35000 in six months.


Key Features

  • Fast-Track to Etihad Guest Silver Tier Status
  • Unlimited 20% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • Enjoy 2 complimentary wifi vouchers every membership year.
  • Take advantage of up to 2 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
  • Enjoy unlimited complimentary access to over 1000 airport lounges.
  • Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week. Maximum cashback is AED 75 per month
  • Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays. A retail spend of AED 5000 is required
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE. A retail spend of AED 3,000 is required on your card to avail the benefit.
  • Multi trip travel Insurance
  • Purchase protection provides you with additional peace of mind every time you make a purchase
  • Extended Warranty up to one year from the expiry date of the original warranty.
  • No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.
  • Global Concierge: take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online, 24 hours a day

Reward Features

3 Etihad Guest miles at Etihad Airline spend
2 Etihad Guest miles at international spend
2.5 Etihad Guest miles at two chosen categories
Upto 1.5  Etihad Guest miles at domestic spend

Emirates Islamic Etihad Guest Saqer card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same.

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 15,000 Tier Miles can be earned in a membership year.

Things To Be Aware Of

  • This card joining offer is only for UAE Nationals

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Air Miles
  • No annual fee
  • Earn cashback on all spends
  • Lifestyle benefits (valet parking, airport drops etc.)

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Annual Fees waived
  • Complimentary Global Internet Calling
  • Complimentary U by Emaar loyalty program membership
  • Earn 1.25% cashback on local spends & 2% on international spends
  • Unlimited access to over 25 Regional and International Airport lounges
  • Complimentary workouts at select gyms in Dubai & Abu Dhabi
  • Free round of golf at Arabian Ranches Dubai
  • 2 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • 2 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights

Reward Features

Earn Cashback

  • Earn 1.25% cashback on local spends
  • Earn 2% cashback on international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require minimum spend criteria to be met

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • Premium card with no annual fee
  • Earn cashback on all spends
  • Premium lifestyle benefits

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Premium card with annual fees waived
  • Complimentary U by Emaar Loyalty program membership
  • Complimentary Global Internet Calling
  • Earn 1.5% cashback on local spends & 2% on all international spends
  • Unlimited access to over 900 airport lounges across the world
  • 4 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • 2 complimentary Marhaba meet & greet services per year
  • Complimentary nights at SPG Hotels and Resorts
  • 3 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights
  • Free round of golf at Arabian Ranches Dubai
  • Exclusive Dubai Opera offers
  • MyUS.com & Reebonz offers and discounts
  • Luxury Service Apartment offers
  • Special Hertz and Avis car rental offers and discounts
  • Travel inconvenience and travel medical insurance with cover of up to US $500,000

Reward Features

Earn Cashback

  • Earn 1.5% cashback on your local spends
  • Earn 2% cashback on your international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require minimum spend criteria to be met

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 699

  • Golf offers
  • Cinema Tickets
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Fast-Track Etihad Guest Silver Tier Status
  • Up to 3 Etihad Guest Miles per USD spent
  • Choice of two category spends to earn more miles
  • Unlimited 20% miles back on flight redemptions & upgrades
  • Up to 110,000 Etihad Guest bonus Miles & AED 699 cashback

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 699

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min AED103

Joining Offers

Welcome bonus of 70,000 Etihad Guest Miles upon payment of Annual Membership Fee.

Earn 40,000 Etihad Guest Miles along with the AMF of AED 699 on meeting spend of AED 35,000 in six months.

Key Features

  • Fast-Track to Etihad Guest Silver Tier Status. Enjoy 2 complimentary wifi vouchers every membership year.
  • Take advantage of up to 2 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
  • Unlimited 20% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • Enjoy unlimited complimentary access to over 1000 airport lounges.
  • Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week.The maximum cashback a cardholder can earn is AED 75 per month.
  • Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays.
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE. All you have to do is present your Emirates Islamic Etihad Guest Ameera card at the valet parking desk.
  • Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift.
  • When you buy quality, you expect it to last. That’s why we automatically double the original manufacturer's warranty up to one year from the expiry date of the original warranty.
  • No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.
  • Take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online, 24 hours a day, from anywhere in the world by simply calling Concierge hotlines.

Reward Features

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

3 Etihad Guest mile for spend at  Etihad Airline
2 Etihad Guest mile for spend at International Spend
2.5 Etihad Guest mile for spend at two chosen categories
Upto 1.5 Etihad Guest mile for spend at domestic spend

Emirates Islamic Etihad Guest Ameera card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same. 

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 15,000 Tier Miles can be earned in a membership year.

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 315

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Contactless Tech
  • Shariah compliant
  • Excellent Travel benefits
  • No first year annual fee

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 315

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 105

Key Features

  • Shariah Committee Approved
  • Buy 1 Get 1 Free at Costa Coffee
  • 20% off Careem rides in Dubai and across UAE
  • Up to 30% off on travel with Cleartrip
  • Car rental offers from Avis
  • Up to 10% off Hotels.com
  • Unlimited lounge access to over 20 international lounges
  • The Good Life privileges offers
  • Mastercard Buy 1 Get 1 free offers
  • No late payment or cash advance fees
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Things To Be Aware Of

  • 4 supplementary cards are free, AED 157.50 thereafter

MINIMUM SALARY

AED 40,000

RATE

AED 900 p.m.

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Premium card free for life
  • Premium travel & lifestyle benefits
  • Earn rewards points on all spends

MINIMUM SALARY

AED 40,000

RATE

AED 900 p.m.

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

1.00 % / AED 100

Key Features

  • Earn up to 2.5 UAB Rewards on every US $1 spent
  • Complimentary worldwide airport lounge access for cardholder plus a guest
  • Travel Insurance (Personal accident benefit up to $1 Million)
  • Complimentary Harrods Rewards Black-tier card
  • Dragon Pass ‘Dine & Fly’ airport dining program
  • Discounts on Hotel.com
  • Great discounts on hotel & vacation rentals with Agoda
  • Luxury Hotel collection
  • YQ Meet & Assist
  • International Premium Concierge service
  • Discounts across - Magic Planet, Ski Dubai, i-Fly, Little explorers, Dubai Dolphinarium
  • Extended Warranty
  • Purchase protection

Reward Features

Earn UAB Rewards Points

  • 1.5 points for every 1 USD spent domestically
  • 2.5 points for every 1 USD spent internationally

Redeem points for flight tickets & hotels, car rentals, electronic and lifestyle products.

Things To Be Aware Of

  • AED 900 is the fixed fee per month

MINIMUM SALARY

AED 40,000

RATE

2.79%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Welcome bonus of 500,000 UAB Reward points
  • Premium travel & lifestyle benefits
  • Earn rewards points on all spends

MINIMUM SALARY

AED 40,000

RATE

2.79%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 100

Joining Offers

Welcome Bonus

  • 500,000 UAB Reward Points
  • (AED 1500 to be paid within 30 days of card issuance)

Key Features

  • Earn up to 3 UAB Rewards on every US $1 spent
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 10 B1G1 tickets at VOX on Sundays and 20% off at Roxy
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Travel Insurance (Personal accident benefit up to $1 Million)
  • Dragon Pass ‘Dine & Fly’ airport dining program
  • Discounts on Hotels.com
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Great discounts on hotel & vacation rentals with Agoda
  • Luxury Hotel collection
  • YQ Meet & Assist
  • International Premium Concierge service
  • 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
  • Extended Warranty
  • Purchase protection

Reward Features

Earn UAB Rewards Points:

  • 2 points for every 1 USD spent domestically
  • 3 points for every 1 USD spent internationally
  • Redeem points for flight tickets & hotels, car rentals, electronic and lifestyle products.

Things To Be Aware Of

  • Annual fee from 2nd year is AED 1,500

MINIMUM SALARY

AED 6,000

RATE

2.99%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Earn UAB rewards on all spends
  • Brand the credit card with your company name

MINIMUM SALARY

AED 6,000

RATE

2.99%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 200

Key Features

  • Complimentary Airport Lounge Access at over 10 lounges across MENA
  • Brand your card with your company name in the 4th line of the card
  • 20% discount on Careem
  • Discount on AVIS car rentals
  • Over 900 Mastercard Buy-One-Get-One free offers
  • Mastercard Priceless Arabia offers

Reward Features

Earn UAB Rewards Points:

  • 1 points for every 1 USD spent domestically
  • 2 points for every 1 USD spent internationally
  • Redeem points for flight tickets & hotels, car rentals, electronic and lifestyle products.

Things To Be Aware Of

  • Annual fee from 2nd year is AED 400

MINIMUM SALARY

AED 20,000

RATE

3.19%

ANNUAL FEE

AED 630

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Air Miles
  • Roadside Assistance
  • Premium lifestyle and travel benefits
  • Cinema offers at any cinema, anytime
  • Unlimited Marhaba services

MINIMUM SALARY

AED 20,000

RATE

3.19%

ANNUAL FEE

AED 630

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Welcome Bonus of AED 3,000 worth of UNBmiles


Key Features

  • Welcome bonus of AED 3,000 worth of UNBmiles
  • Up to 10 UNBmiles for every AED of retail spend,
  • Redeem UNBmiles for booking airline tickets & hotels directly, getting wide variety of gift vouchers/cards and much more
  • Unlimited complimentary access at 750+ airport lounges globally for primary and supplementary cardholders
  • Unlimited complimentary Marhaba and Golden Class airport services
  • Complimentary hotel nights with Starwood Hotels and Resorts
  • 10% discount with Cleartrip on any international roundtrip airfare
  • 0% interest for 3 months on all travel purchases
  • Complimentary multi-trip travel insurance including medical benefits
  • Upto AED 125 as value back on movie tickets with a 50% value back
  • 0% interest for 6 months on balance transfer
  • Free auto registration or renewal service once a year & free Emergency roadside assistance anytime, anywhere in UAE
  • Hundreds of buy 1 get 1 offers across hotels , dining, spas, leisure and entertainment in Middle East & Africa
  • Exciting shopping discounts of up to 40% renowned shopping, leisure & entertainment partners
  • 0% interest instalment plan for up to 6 months on spend at 30+ partner outlets

Reward Features

Earn UNBmiles on all spends

  • 2 UNBmiles for every AED 1 spent locally, no caps.
  • 4 UNBmiles for every AED 1 spent internationally, no caps.
  • 10 UNBmiles for every AED 1 spent on dining during weekends, max cap of 150 UNBmiles per month.

Redeem UNBmiles for booking air tickets and hotels, gift vouchers and much more.
Minimum spend of AED 500 per month required to earn UNBmiles.

Things To Be Aware Of

  • Min spend of AED 1500 p.m for cinema offers
  • Min spend of AED 500 to earn UNBmiles

MINIMUM SALARY

AED 8,000

RATE

3.19%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Airport Lounge Access
  • No annual fees
  • High value back rates at specific merchants
  • Cinema offers at any cinema, anytime
  • No annual fee

MINIMUM SALARY

AED 8,000

RATE

3.19%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Joining Bonus of up to AED 500 worth of UNBmiles

Key Features

  • Joining bonus of up to AED 500 as UNBmiles
  • 4% value back as UNBmiles on spend at Joyalukkas Jewelers, Eros Electronics and Musafir.com
  • 1% value back as UNBmiles on all other retail spend with no caps
  • UNBmiles can be redeemed via online portal for booking flights, hotels & rent-a-car worldwide, transferring UNBmiles to travel & retail loyalty programs, mobile recharge at 200+ Telco's globally, and getting e-vouchers for renowned malls and brands across
  • Up to 10% off & other exclusive offers at Musafir.com , Eros Electronics & Joyalukkas
  • Unlimited free access to 10+ airport lounges across GCC
  • Upto AED 125 as value back on movie tickets with a 50% value back
  • 20% discounts on Careem rides
  • Hundreds of buy 1 get 1 offers across hotels , dining, spas, leisure and entertainment in Middle East & Africa
  • Exciting discounts of up to 40% at 250+ across renowned shopping, leisure & entertainment partners
  • 0% interest instalment plan for up to 6 months on spend at 30+ partner outlets. No processing fees

Reward Features

Earn UNBmiles 

4% value back on spend as UNBmiles at Joyalukkas Jewelers, Eros Electronics and Musafir.com, and 1% value back as UNBmiles on all other retail spend with no caps.

Things To Be Aware Of

  • Specific spend criteria required for Joining bonus

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Air Miles
  • Roadside Assistance
  • Earn UNBmiles rewards on all spends
  • Cinema offers at any cinema, anytime
  • No annual fee

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Joining Bonus of up to AED 500 worth of UNBmiles

Key Features

  • Joining bonus of up to AED 500 worth of UNBmiles
  • Up to 3 UNBmiles for every AED of retail spend
  • Redeem UNBmiles for booking airline tickets & hotels directly, getting wide variety of gift vouchers/cards and much more
  • Unlimited free access to 10+ airport lounges across GCC
  • Upto AED 125 as value back on movie tickets with a 50% value back
  • 20% discounts on Careem rides
  • Free annual auto registration or renewal
  • Free emergency road side assistance anytime anywhere in UAE with AAA
  • 0% interest for 3 months on all travel purchases- no processing fee
  • 0% interest for 6 months on balance transfer
  • 0% interest instalment plan for up to 6 months on spend at 30+ partner outlets. No processing fees
  • Hundreds of buy 1 get 1 offers across hotels, dining, spas, leisure and entertainment in Middle East & Africa
  • Exciting discounts of up to 40% renowned shopping, leisure & entertainment partners

Reward Features

Earn UNBmiles on all spends

  • 1.5 UNBmiles for every AED 1 spent locally.
  • 3 UNBmiles for every AED 1 spent internationally.
  • Redeem UNBmiles for booking air tickets and hotels, gift vouchers and much more.
  • Minimum spend of AED 500 per month required to earn UNBmiles.

Things To Be Aware Of

  • Min spend of AED 1500 p.m for cinema offers
  • Specific spend criteria required for Joining bonus
  • Min spend of AED 500 to earn UNBmiles

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 0

  • Dining Offers
  • Airport Lounge Access
  • Air Miles
  • No annual fee
  • High cashback rates at ADCOOP & Spar Abu Dhabi
  • Exclusive discounts at ADCOOP & Spar outlets

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • 4% cashback on all purchases at Spar and Abu Dhabi COOP Supermarket and Hypermarket outlets
  • 0.4% cashback on all other purchases
  • Exclusive discounts of up to 50% off at Spar and Abu Dhabi COOP Supermarket and Hypermarket outlets
  • Monthly instalment plan at 0% per month for purchases at Spar and Abu Dhabi COOP Supermarkets and Hypermarkets
  • Unlimited free access to 10+ airport lounges across GCC
  • 50% value back on cinema spend anytime, anywhere in UAE
  • 20% discounts on Careem rides twice a month
  • Hundreds of buy 1 get 1 offers across hotels , dining, spas, leisure and entertainment in Middle East & Africa
  • Exciting discounts of up to 40% at 250+ across renowned shopping, leisure & entertainment partners
  • 0% interest instalment plan for up to 6 months on spend at 30+ partner outlets. No processing fees

Reward Features

Earn Cashback:

  • 4% cashback on all purchases at Spar and Abu Dhabi COOP Supermarket and Hypermarket outlets
  • 0.4% cashback on all other retail purchases

Conditions: You need to spend at least AED 500 per month to earn cashback. Maximum cashback amount is AED 4,800 per year.

Things To Be Aware Of

  • 5th supplementary onwards fee is AED 105

MINIMUM SALARY

AED 21,250

RATE

3.25%

ANNUAL FEE

AED 700

  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • 30,000 bonus Membership Rewards
  • 2 Membership Rewards® points with every AED 4 spent
  • Annual fee waiver with FeeBack
  • Upto 12 complimentary airport lounge access with a guest
  • Comprehensive retail and travel insurance

MINIMUM SALARY

AED 21,250

RATE

3.25%

ANNUAL FEE

AED 700

Non AED Transaction Fee

2.94%

Cash Advance Fee

3.00 % / min AED100

Joining Offers

Receive 30,000 bonus Membership Rewards (“MR”) points (hereinafter “Offer”) when you apply via the Amex MENA Mobile App (hereinafter “the App”) for The American Express® Platinum Credit Card (hereinafter “Card”) during the Offer Period June 17th – 15th August 2022

AED 500 Rivoli voucher can be redeemed for 16000 MR points
GBP 100 Harrods voucher for 29000 MR points

Key Features

  • 30,000 bonus membership rewards as joining offer. Access to the Membership Rewards® program, with 2 point earned for every AED 4 of spend
  • Membership Rewardspoints that can be redeemed for complimentary flights, upgrades, hotel stays and more.
  • Annual fee waiver with FeeBack.
  • To continue enjoying your complimentary Cardmembership year after year, simply spend AED 40,000 per annum.
  • With FeeBack, the annual fee on your Platinum Credit Card will be credited back to your Card account when you spend at least AED 10,000 within the first 3 months of receiving your Card.
  • To continue enjoying your complimentary Cardmembership year after year, simply spend AED 40,000 per annum.
  • Access to 1,400+ Airport lounges globally with Priority PassTM programme
  • Annual fee waiver with "FeeBack"
  • Comprehensive Travel Insurance. Your policy number is 'AMEX13'

Reward Features

Earn Membership Rewards Points

  • Access to the Membership Rewards programme, with 2 points earned for every AED 4 of spend (local purchase)
  • Points never expire
  • Redeemable at 14 airlines, 3 hotel partners and o merchandise from leading brands across fashion, electronics and more.

Membership Rewards® programme is American Express way of thanking you for using the Platinum Credit Card. Use your points to treat yourself to rewards from leading brands in travel, fashion, electronics and more.

SPEND AED 5,250 per month and earn 31,500 Membership Rewards points per annum.  Redeem for AED 1,000 Voucher from RIVOLI
SPEND AED 9,000 per Month and earn 54,000 Membership Rewards points per annum. Redeem for a return trip ticket to London
SPEND AED 19,200 per Month and earn 115,200 Membership Rewards points per annum. Redeem for Apple Watch series 6

Things To Be Aware Of

  • Welcome offer only for applications via the Amex MENA app

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1,575

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Premium lifestyle benefits
  • Earn Reward points on all spends
  • AED 1000 Cashback as joining bonus
  • Loaded with travel benefits!

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

AED 1000 cashback joining offer ( requires a spend of AED 10000)

1.     The offer is valid for only New to Bank or New to Product credit card applications from the period starting from August 1 – 31 October 2022 (“the Offer Period”). 

2.     Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

 3.     The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

 4.     Credit card applications sourced via sales representatives will not be eligible for the Offer.

 5.     The Bank will credit cashback to the client’s credit card statement.

 6.     Successful applications will receive the cashback on 31 December 2022.

 7.     Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.

Key Features

  • Earn 360° Reward Points on all spends
  • Exclusive unlimited Fitness First access
  • Complimentary round of golf through Golflans offered by SCB. Discounts at 34 clubs in the UAE and Muscat
  • Unlimited complimentary access to 1000+ airport lounges worldwide including a guest
  • Avail upto 14 tickets at buy1 get 1 at VOX
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Buy 1 Get 1 Free at Costa Coffee
  • The Good Life privileges offers
  • 24/7 Concierge service
  • Extended warranty
  • 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

Reward Features

Earn 360° Reward Points on all spends

  • Earn 360° Reward Points on all spends
  • Earn 2% of your Rewards Points balance as cashback with any airline bookings
  • Earn 2 360° Reward Point for every US $1 on International Spend
  • Earn 1 360° Reward Points for every US $1 Domestic Spend
  • 360° Rewards Points, can be redeemed for exclusive merchandise, travel and much more
  • Transfer Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as hotel loyalty programmes.
  • (USD 1 is defined at AED 3.673)

Things To Be Aware Of

  • Reward points expiry 3 years from date of earning

MINIMUM SALARY

AED 25,000

RATE

3.45%

ANNUAL FEE

AED 263

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Contactless Tech
  • Additional Shukran points at multiple merchants
  • Earn Shukran points on all spends on your Shukran creditcard
  • Excellent travel benefits

MINIMUM SALARY

AED 25,000

RATE

3.45%

ANNUAL FEE

AED 263

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn 5 times more Shukran points at select establishments
  • Redeem Shukran points for over a million products
  • Spend Shukran Reward points instantly
  • Up to 10% off at Hotels.com
  • Unlimited lounge access at over 900+ airports worldwide
  • 10 Complimentary tickets on Sundays and 4 tickets any day in a month at VOX Standard
  • 20% off Careem rides in UAE
  • Up to 30% off on travel with Cleartrip
  • The Good Life privileges offers
  • Mastercard Priceless Cities Offers
  • Travel inconvenience protection
  • Travel insurance with cover up to US $500,000
  • Travel insurance confirmation letter

Reward Features

Earn Shukran Points on your Standard Chartered Shukran World Credit card

  • Earn up to 10% value for purchases at participating merchant establishments (on spends up to AED 25,000 p.m)
  • Earn 1% value in Shukran rewards for all other local purchases
  • Earn 1.25% value in Shukran rewards for all other international purchases
  • Min spend of AED 3,000 p.m required to earn Shukran points

Things To Be Aware Of

  • 2 supplementary cards are free, AED 100 thereafter
  • Min spend of AED 3,000 p.m required to earn Shukran points

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 158

  • Balance Transfer
  • Airport Lounge Access
  • Additional Shukran points at multiple merchants
  • Earn Shukran points on all spends

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 158

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Get up to 7.5% value back on your shopping
  • Redeem Shukran points for over a million products
  • Spend Shukran Reward points instantly
  • Unlimited access at over 10 lounges across Middle East & Levant
  • 20% off Careem rides
  • The Good Life privileges offers
  • Mastercard Buy 1 Get 1 free offers
  • Balance transfer at 0%

Things To Be Aware Of

  • 2 supplementary cards are free, AED 100 thereafter
  • Min spend of AED 1,000 p.m to earn Shukran points

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 315

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Shariah compliant fixed-fee card
  • No cash advance fee on ATM
  • Complimentary lounge access in 300 cities
  • 20% off on careem rides
  • AED 500 Cashback Welcome offer

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 315

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 105

Joining Offers

AED 500 cashback joining offer ( requires a spend of AED 5000)

1.     The offer is valid for only New to Bank or New to Product credit card applications from the period starting from August 1 – 31 October 2022 (“the Offer Period”). 

2.     Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

 3.     The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

 4.     Credit card applications sourced via sales representatives will not be eligible for the Offer.

 5.     The Bank will credit cashback to the client’s credit card statement.

 6.     Successful applications will receive the cashback on 31 December 2022.

 7.     Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.

Key Features

  • Shariah Approved
  • Buy 1 Get 1 Free at Costa Coffee
  • Mastercard Priceless Cities Offers
  • Unlimited access at over 10 lounges across Middle East & Levant
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Buy 1 Get 1 free offers
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Things To Be Aware Of

  • 4 supplementary cards are free, AED 157.50 thereafter

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 315

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Shariah compliant fixed-fee card
  • No cash advance fee on ATM
  • Complimentary lounge access in 300 cities
  • 20% off on careem rides
  • AED 500 Cashback Welcome offer

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 315

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 105

Joining Offers

AED 500 cashback joining offer ( requires a spend of AED 5000)

1.     The offer is valid for only New to Bank or New to Product credit card applications from the period starting from August 1 – 31 October 2022 (“the Offer Period”). 

2.     Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

 3.     The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

 4.     Credit card applications sourced via sales representatives will not be eligible for the Offer.

 5.     The Bank will credit cashback to the client’s credit card statement.

 6.     Successful applications will receive the cashback on 31 December 2022.

 7.     Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.

Key Features

  • Shariah Approved
  • Buy 1 Get 1 Free at Costa Coffee
  • Mastercard Priceless Cities Offers
  • Unlimited access at over 10 lounges across Middle East & Levant
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Buy 1 Get 1 free offers
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Things To Be Aware Of

  • 4 supplementary cards are free, AED 157.50 thereafter

MINIMUM SALARY

AED 5,000

RATE

3.45

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Contactless Tech
  • Air Miles
  • Shariah compliant fixed-fee card
  • Earn 360° rewards on all spends

MINIMUM SALARY

AED 5,000

RATE

3.45

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99

Cash Advance Fee

3.15 % / AED 105

Key Features

  • Earn 1 Reward Point for every $1 spent
  • Shariah Approved
  • Buy 1 Get 1 Free at Costa Coffee
  • Mastercard Priceless Cities Offers
  • Unlimited access at over 10 lounges across Middle East & Levant
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Buy 1 Get 1 free offers
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Rewards for every spend on your Standard Chartered Saadiq Platinum credit card

  • Earn 360° Reward Points on all Domestic & International spends on your Standard Chartered Manhattan Platinum Credit Card
  • Earn 1 Rewards Point for every $1 spent on your card within the UAE or internationally. 
  • Earn 0.1 360° Reward Points for every US $1 spent on groceries, utilities, education, property rentals & real estate agent payments

Things To Be Aware Of

  • 4 supplementary cards are free, AED 157.50 thereafter

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • First year free card
  • 20% off on 3 Careem rides and 30% off 3 Careem Food & Shop
  • 25% Off for YQ’s Specialist Airport Assist Services
  • Buy 1 Get 1 at Costa Coffee

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Up to 10% cashback on online spends
  • Up to 10% cashback on foreign currency spends
  • Up to 10% cashback on mobile wallet spends
  • Complimentary airport lounge access to over 20 local & international lounges
  • Buy 1 Get 1 Free at Costa Coffee
  • Up to 30% off on travel with Cleartrip
  • Up to 10% off on Hotels.com
  • Purchase protection upto 90 days from date of purchase
  • Optional Credit Shield Insurance
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Car rental offers from Avis
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn excellent Cashback rates on Standard Chartered Platinum X Credit Card:

Supermakets spends, utility spends and education:

  • Total spends less than AED 2,499 - 0% cashback
  • Total spends between AED 2,499 & AED 7,499 - 3% cashback (max cashback AED 100)
  • Total spends between AED 7,499 & AED 14,499 - 5% cashback (max cashback AED 200)
  • Total spends above AED 14,499 - 10% cashback (max cashback AED 400, AED 200 for utilities)

Upto 10% on online, foreign currency and mobile wallets. 

Cashback points are valid for 12 months.

Value of a point is 1 AED

Things To Be Aware Of

  • All cashback categories have max caps
  • No cashback on retail spends
  • First year Free- Second year AED 525

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • No annual fee in 1st year
  • FlySmiLes Silver Tier privileges

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Get 10,000 bonus miles with Srilankan airlines
  • Earn 1 FlySmiLe for every US Dollar spent
  • FlySmiLes Silver tier privileges
  • 2 Complimentary visits to select airport lounges worldwide
  • Unlimited complimentary access to Marhaba Lounges across airports in the Middle East
  • oneworld airline alliance’s Frequent Flyer Programme

Reward Features

Earn FlySmiLes

Earn 1 FlySmiLe for every US Dollar spent.

Things To Be Aware Of

  • Annual fee from 2nd year is AED 300

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Roadside Assistance
  • Earn up to 3.75 RAKrewards per AED of spend
  • Chance to win 500,000 RAKrewards every 3 months
  • Earn RAKrewards on all spends
  • Free for life
  • Cardless cash withdrawals

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 3.75 RAKrewards per AED of spend
  • Free for life
  • Earn RAKrewards on all spends
  • Complimentary access to over 25+ lounges in the Middle East, Levant & select locations globally for the cardholder
  • Earn Triple RAKrewards on Fuel and up to 10,000 RAKrewards on cinema spends
  • Chance to win 500,000 RAKrewards every 3 months
  • Cardless payments with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay or Garmin Pay plus cardless cash withdrawals at contactless enabled RAKBANK ATMs
  • You benefit from the RAKrewards partnerships to earn and redeem your rewards
  • Redeem rewards for Vouchers for Dining, Desert Safari, Boating adventure, Marhaba service, Rent a Car, wide range of electronics and home appliances and many more
  • 10 Complimentary tickets on Sundays in month at VOX Standard and 20% off at Roxy
  • Avail a discount of up to 15% on retail rates over 450 destinations globally
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Exclusive Avis car rental discounts
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Purchase Protection up to 30 days from date of purchase
  • Minimum monthly payment of just 3%

Reward Features

Earn RAKrewards

Monthly Spend Tier & RAKrewards earned per 1 AED:

  • Up to AED 14,999 - 2.5 (international), 1.25 (domestic)
  • Above AED 15,000 - 3.75 (international), 2.5 (domestic)
  • Government spend, telecom, real estate & utilities will earn 0.35 RAKrewards per 1 AED spent
  • Max Cap - 166,667 (each for domestic & international)

Monthly Spend Tier & RAKrewards per 1 AED on Fuel:

  • Up to AED 14,999 - 3.75
  • Above AED 15,000 - 7.5

Monthly Spend Tier & RAKrewards per 1 AED on Cinema:

Above AED 5,000 - 50

Redeem online, anytime against flights, hotels and range of products and services.

Things To Be Aware Of

  • Minimum spend requirement to avail Rakrewards is AED 15000
  • Min. threshhold required to redeem Rakrewards is 1000 points

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Premium card with no annual fee
  • Extensive premium lifestyle benefits
  • Earn cashback on all spends

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / Min 100

Key Features

  • Premium card with annual fees waived
  • Complimentary U by Emaar Loyalty program membership
  • Complimentary Global Internet Calling
  • Earn 1.5% cashback on local spends & 2% on all international spends
  • Unlimited access to over 900 airport lounges across the world
  • 6 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • 2 complimentary Marhaba meet & greet services per year
  • Complimentary nights at SPG Hotels and Resorts
  • 4 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights
  • Free round of golf at Arabian Ranches Dubai
  • Exclusive Dubai Opera offers
  • MyUS.com & Reebonz offers and discounts
  • Luxury Service Apartment offers
  • Special Hertz and Avis car rental offers and discounts
  • Travel inconvenience and travel medical insurance with cover of up to US $500,000

Reward Features

Earn Cashback

  • Earn 1.5% cashback on local spends
  • Earn 2% cashback on international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require min spends criteria to be met

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 400

  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Dining Offers
  • Health & Fitness
  • Life Insurance
  • Contactless Tech
  • Roadside Assistance
  • Joining offer of 15,000 Air Rewards points
  • Complimentary airport pick up & drop off up to 6 times/year
  • Annual Fee waiver 2nd year onwards(if spend criteria met)
  • Roadside assistance and Concierge services

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Joining Bonus -15,000 AirRewards Points Equivalent to a return ticket: A Joining Bonus of 15,000 AirRewards Points will be credited upon payment of Joining Fee and a minimum retail spend of AED 5,000* in first 3 months.

Key Features

  • A Joining Bonus of 15,000 AirRewards Points
  • Annual Fee will be waived from the second year onwards if spend criteria met
  • Complimentary airport pick up & drop off up to 6 times a year
  • Get complimentary return flight ticket once every year against a minimum retail spend of AED15,000
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Complimentary excess baggage and in-flight meal vouchers in Air Arabia flights
  • Cleartrip Airline Discounts up to 30%
  • Car rental offers from Avis
  • Lowest minimum monthly payment of just 3%
  • Complimentary Vehicle Registration with pick up and drop
  • Discounted Chauffeur Rides with Careem
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Privileged discounts on dining and shopping
  • MyUS Premium Shipping Discounts
  • Bicester Village Shopping
  • Reebonz Online Shopping Privileges
  • Special dining offers and privileges at 220 restaurants and outlets across the UAE
  • Travel accident insurance cover up to USD 150,000

Reward Features

AirRewards - Air Arabia's loyalty program

  • 1.75 AirRewards Points for every 5 AED spent at www.airarabia.com
  • 1.25 AirRewards Points for every 5 AED spent within UAE
  • 1.75 AirRewards Points for every 5 AED spent outside UAE
  • 0.30 AirRewards Points for every 5 AED spent under the category of Government Services, Bill Payments (Telecommunication & utility), Real Estate, Car Rentals, Transport and Petrol/Gas Stations.

Things To Be Aware Of

  • Only retail transactions eligible for joining bonus offers
  • The ticket will only cover the base fare

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

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • No Annual Fee ever
  • Rewards redemption not restricted to any specific airline
  • Exclusive Dining & shopping discounts globally
  • Free Roadside Assistance & Concierge Services

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 350,000 standard RAKrewards monthly on all spends
  • Choice of redeeming your Rakrewards against a wide bouqet of services worldwide
  • Enjoy up to 30% quarterly bonus RAKrewards
  • Earn extra RAK rewards on cinema spends
  • No annual fee EVER
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Travel accident insurance cover up to USD 150,000
  • Privileged discounts on dining and shopping
  • Complimentary Buy 1 Get 1 offers in Middle East & Africa
  • Privileged discounts on dining and shopping
  • Car rental offers from AVIS
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Complimentary access to over 25+ lounges in the Middle East, Levant & select locations globally for the cardholder
  • MyUS Premium Shipping Discounts
  • Bicester Village Shopping
  • Reebonz Online Shopping Privileges
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Special dining offers and privileges at 220 restaurants and outlets across the UAE

Reward Features

Earn RAKrewards

Monthly Spend Tier & RAKrewards earned per 1 AED:

  • Up to AED 14,999 - 3 (international), 1.75 (domestic)
  • Above AED 15,000 - 5 (international), 3 (domestic)

Quarterly Spend Tier & bonus RAKrewards rate:

  • AED 15,000 to AED 19,999 - 10% (33,333 max cap)
  • AED 20,000 to AED 24,999 - 20% (75,000 max cap)
  • Above AED 25,000 - 30% (max cap 138,889)

Cinema Reward Offerings

Overall monthly spend             On cinema spend          RAKrewards
AED 5000 and above                     AED 1                           50

 

Maximum RAKrewards monthly cap on cinema spend is 10,000.

Things To Be Aware Of

  • Some categories will earn 0.35 RAKrewards per AED 1 spent

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Contactless Tech
  • Air Miles
  • Earn "Goldback" on all spends
  • Additional saves on spends at Kalyan Jewellers
  • No annual fee ever

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Redeem Goldback earned against any purchase at Kalyan Jewellers outlets in UAE
  • No annual fee EVER!
  • Cash Advance of up to 80% of your Credit Limit
  • Exclusive offers on electronics, jewellery, holidays, dining, furnishing and much more
  • Privileged discounts on dining and shopping
  • Lowest minimum monthly payment of just 3%
  • Discounted Chauffeur Rides with Careem
  • Complimentary Buy 1 Get 1 offers in Middle East & Africa
  • Complimentary access to over 10 VIP lounges in UAE, Jordan, Kuwait and Egypt
  • 0% Easy Payment Plan on diamond and gold jewellery
  • Exclusive global discounts and privileges on premium brands and hotels

Reward Features

Earn Goldback

Monthly Spend Tier & Goldback% on International spends:

  • Up to AED 14,999 - 2% (Kalyan Jewellers), 3% (other spends)
  • AED15,000 to AED 29,999 - 2% (Kalyan Jewellers), 4% (other spends)
  • Above AED 30,000 - 2% (Kalyan Jewellers), 5% (other spends)

Monthly Spend Tier & Goldback% on Domestic spends:

  • Up to AED 14,999 - 1.5% (Kalyan Jewellers), 1% (other spends)
  • AED15,000 to AED 29,999 - 1.5% (Kalyan Jewellers), 2% (other spends)
  • Above AED 30,000 - 1.5% (Kalyan Jewellers), 3% (other spends)

Other conditions:

  • Max AED 2,000 per month on non-Kalyan Jewellers international spend
  • Max AED 1,200 per month on non-Kalyan Jewellers domestic spend
  • Up to 5% Goldback on international Cash Advances and Internet Transactions
  • Easily redeem your Goldback earned against any purchase at Kalyan Jewellers outlets in UAE within 15 months

Things To Be Aware Of

  • Minimum spend requirement to avail Goldback is AED 15000
  • Non-Kalyan jewellers spends have max Goldback reward caps

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Free for life card
  • Up to 9 Supplementary Cards free
  • Purchase protection & travel insurance

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1% cashback on all international & domestic spends
  • No annual fee EVER!
  • Balance Transfers at 1.50% p.m
  • Up to 9 Supplementary Cards free
  • Low interest rate on outstanding Retail Purchases
  • Up to 55 days interest free credit
  • Purchase Protection up to 30 days from date of purchase
  • Travel accident insurance cover up to USD 150,000
  • Minimum monthly payment of just 3%
  • Privileged discounts on dining and shopping
  • Enjoy great dinning offers from RAKfeast!
  • 0% Easy Payment Plan

Reward Features

Earn Cashback

  • Upto 1% Cashback* on total monthly Domestic Retail Purchases subject to a minimum monthly retail spend of AED 1,000
  • up to 1% Cashback* on all International Retail Purchase Transactions including Cash Advances and Internet Transactions
  • Maximum Cashback Cap on both International and Domestic Spends per billing month will be AED 300

All spends under the category of Bill Payments (Telecommunication & utility), 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 300 p.m

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Exclusive discount at nmc hospitals
  • Free for life card
  • Earn cashback on all spends

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1% cashback on all international & domestic spends
  • No annual fee EVER!
  • Get wellness benefits such as 10% discount on X-ray, Ultra Sound, Mammography, CT and MRI scans at NMC Hospitals
  • This Card also replaces the registration card of UAE Exchange and nmc & National Hospitals
  • Low interest rate on outstanding Retail Purchases
  • Up to 55 days interest free credit
  • Purchase Protection up to 30 days from date of purchase
  • Travel accident insurance cover up to USD 150,000
  • Minimum monthly payment of just 3%
  • Privileged discounts on dining and shopping
  • Enjoy great dinning offers from RAKfeast!
  • 0% Easy Payment Plan

Reward Features

Earn Cashback

  • Earn up to 1% cashback  on all international & domestic spends
  • Maximum cashback on both international and domestic spends per billing cycle is AED 300
  • Government spend, real estate, telecom, fuel & utilities will earn 0.25% cashback per 1 AED spent.

Things To Be Aware Of

  • Max cashback on all spends is AED 300 p.m

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 525

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Enjoy unlimited cashback on everyday spends

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn upto 2% Cashback rates On Domestic & International Spends
  • Complimentary airport lounge access to over 20 local & international lounges
  • Buy 1 Get 1 Free at Costa Coffee
  • Up to 30% off on travel with Cleartrip
  • Up to 10% off on Hotels.com
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Optional Credit Shield Insurance
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Car rental offers from Avis

Reward Features

Earn excellent Cashback rates on Standard Chartered Mastercard Platinum Credit Card:

  • Earn 1% Cashback On Domestic Spends
  • Earn 2% Cashback On International Spends
  • Enjoy unlimited cashback on all AED and non-AED purchases with no minimum spend

Things To Be Aware Of

  • Annual Fee for supp. cards is AED 105 from 3rd card onwards

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Earn up to 1.5% discounts on all spends
  • No annual fee ever

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Get up to 1.5% discount on both local and international transactions
  • Free for life
  • Free international remittance every month
  • RAKMoneyTransfer with Credit Cards
  • Purchase Protection up to 30 days from date of purchase
  • Travel accident insurance cover up to USD 150,000
  • Enjoy up to 30% Discount at over 2,000 restaurants
  • "Dream It. Live it - Spend, win & live free"
  • offers 0% Easy Payment Plan

Reward Features

Get discounts on all spends

Monthly Spend Tier & Discount earned:

  • AED 1,000 to AED 2,999 - 1%
  • Above AED 3,000 - 1.50%

Max. discount Cap of AED 300 per month.

Government spend, utilities, telecom, real estate and fuel will earn 0.25% discount per 1 AED spent

Things To Be Aware Of

  • Max discount cap- lower of AED 300 or 2% of the credit limit
  • Discounts are shown as savings in your Card statement

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%

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

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Air Miles
  • Free for life
  • 5% Cashback on Supermarkets and Dining
  • Upto 50% Cashback on Cinemas
  • Minimum monthly payment of only 3%

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn 5% Cashback on Supermarkets, Dining & Fuel
  • Earn Upto 50% Cashback on Cinemas
  • Earn up to 2% Cashback on Domestic & International purchases
  • No annual fee
  • EVER Purchase Protection up to 30 days from date of purchase
  • Upto 4 discounted tickets at VOX at 50% off
  • Travel accident insurance cover up to USD 150,000
  • Privileged discounts on dining and shopping
  • Lowest minimum monthly payment of just 3%
  • Complimentary Buy 1 Get 1 offers in Middle East & Africa
  • Discounted Chauffeur Rides with Careem
  • Complimentary access to over 10 VIP lounges in UAE, Jordan, Kuwait and Egypt
  • Lifestyle Privileges and Great dining offers

Reward Features

Earn Cashback on all spends

  • 5% Cashback on Supermarkets & Dining (max AED 150 p.m)
  • Upto 50% Cashback on Cinemas (max AED 70 p.m)
  • Government spend, fuel, utilities, telecom & Real Estate will earn 0.25% cashback

 If your Cashback on Supermarket, Dining and Cinemas exceed the monthly maximum Cashback cap for these categories, then the excess spend amount in these categories will earn you Cashback at standard Cashback rates.

Monthly Spend Tier & Cashback on all other spends:

Standard Cashback*
In addition to the above you will earn up to 2% Cashback on your Domestic & International Retail Purchase Transactions, Internet Transactions and International Cash Advances

  • Up to AED 14,999 - 1%
  • Above AED 15,000 - 2%

Max cashback payable across all categories = 1,500 p.m

*Effective April 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Health & Beauty, Club Membership, Computer Services, Automobiles & Vehicles and Insurance Services will earn 0.25% cashback for every AED 1 spent. 

*Effective May 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.25% cashback for every AED 1 spent.

The minimum threshold to redeem cashback for the Titanium card is AED 500.

Transactions made through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs, ATM’s, Branches or any other RAKBANK payment channels will not be eligible for any cashback/rewards.

Things To Be Aware Of

  • Min AED 5,000p.m spend for extra cashback on some categories
  • Extra cashback categories spend excluded from total spend

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • Free for life
  • Excellent cashback benefits on Domestic & Int. spends
  • 50% off at VOX cinema tickets
  • Free Delivery of Fuel by CAFU at your doorstep
  • Free Travel Accident & Medical Cover

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 10% cashback on travel & supermarket spends
  • Enjoy 50% cashback on movie tickets at cinemas worldwide
  • Earn up to 5% cashback on all international spends & up to 3% cashback on domestic spends
  • Complimentary lounge access for yourself and a guest to 850+ airport lounges globally
  • Upto 4 discounted tickets at VOX at 50% off
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Free Delivery of Fuel by CAFU at your doorstep
  • Complimentary airport pick up or drop 6 times a year in UAE or 3 times in India
  • Travel accident & medical cover up to USD 500,000
  • Fairmont, Raffles, and Swissotel Spa Offers
  • SPG Hotel and Resorts Offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • Mastercard Priceless Cities offers
  • Exclusive dining offers at leading restaurants
  • MyUS Premium Shipping Discounts
  • Exclusive Avis & Hertz Car rental offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Complimentary Hotel Nights at Starwood Hotels & Resorts
  • Luxury Serviced Apartment discounts
  • Discounted Chauffeur Rides with Careem
  • 24 hours roadside assistance

Reward Features

Earn Cashback on all spends

Monthly spend tier AED 15,000 to AED 19,999 earn cashback on:

Travel - 5% (max AED 300)

Supermarkets - 5% (max AED 200)


For monthly spend above AED 20,000 earn cashback on:

Travel - 10% (max AED 600)

Supermarkets - 10% (max AED 400)


Monthly Spend Tier & Cashback earned:

Up to AED 14,999 - 3% (international), 1% (domestic)

AED 14,999 to 29,999 - 4% (international), 2% (domestic)

Above AED 30,000 - 5% (international), 3% (domestic)

Things To Be Aware Of

  • Some categories will earn 0.25% cashback/AED spent
  • All cashback categories have maximum caps
  • Additional supplementary card is charged @ AED 200

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Free for Life
  • Earn 1% cashback on ALL spends
  • 2 free movie tickets anywhere in UAE

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

  • Receive 1% cash back on all purchases
  • Customers can get 2 free movie tickets per month
  • Complimentary access to Marhaba lounges in Terminal 1 & 3 in Dubai International Airport
  • Complimentary access to VIP Diamond Lounge in Abu Dhabi airport
  • Balance transfers at low interest rates

Reward Features

Earn Cashback

  • Receive 1.5% cash back on all purchases. Monthly purchases of at least AED 1,000 required

  • Maximum monthly cash back is AED 1,000

Things To Be Aware Of

  • Min spend of AED 1,000 p.m to earn cashback
  • Min spend of AED 1,500 p.m for free movie tickets

MINIMUM SALARY

AED 8,000

RATE

3.45

ANNUAL FEE

AED 525

  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • AED 500 Cashback as Joining offer
  • Buy 1 Get 1 at costa coffee
  • 20% off on 3 Careem rides
  • Access to Visa concierge
  • VIP guest status in 900+ international properties

MINIMUM SALARY

AED 8,000

RATE

3.45

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.75 % / Min 105

Joining Offers

AED 500 cashback joining offer ( requires a spend of AED 5000)

1.     The offer is valid for only New to Bank or New to Product credit card applications from the period starting from August 1 – 31 October 2022 (“the Offer Period”). 

2.     Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

 3.     The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

 4.     Credit card applications sourced via sales representatives will not be eligible for the Offer.

 5.     The Bank will credit cashback to the client’s credit card statement.

 6.     Successful applications will receive the cashback on 31 December 2022.

 7.     Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.

Key Features

  • VIP guest status over 900+ international properties to enjoy VIP guest status
  • Supported by Apple Pay, Samsung Pay, Google Pay and Fitbit Pay
  • Buy 1 Get 1 Free offer, at any of the 150+ Costa Coffee outlets in the UAE
  • Enjoy exclusive discounts of up to 20% at over 200 airport restaurants around the world with DragonPass
  • Ease your trip at 450+ destinations
  • multi-trip travel insurance
  • 24×7 personalised services with Visa Infinite Concierge.
  • Buyers Protection
  • Get 20% off 3 Careem rides and 30% off 3 Careem Food & Shop

Reward Features

2% cashback on international spends or transactions made in foreign currency
1% on all other domestic spend

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 1,500

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Fast-Track Etihad Guest Gold Tier Status
  • Up to 3.5 Etihad Guest Miles per USD spent
  • Choice of two category spends to earn more miles
  • Unlimited 50% miles back on flight redemptions & upgrades
  • Upto 175,000 Etihad Guest bonus Miles & AED 1,500 cashback

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / or AED 103

Joining Offers

Earn up to 100,000 Etihad Guest Miles as welcome bonus up on payment of Annual Membership Fee. Earn 75000 Etihad Guest miles on spending AED 60000 in six months and get AED 1500 cashback.


Key Features

  • Fast-Track to Etihad Guest Gold Tier Status
  • Unlimited 50% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • 4 Complimentary Inflight wifi vouchers every membership year
  • Up to 4 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
  • 0% Easy Payment Plan on Etihad purchases
  • Enjoy unlimited complimentary access to over 1000 airport lounges with a guest
  • 50% cashback on Cinema tickets, any day of the week. The maximum cashback a cardholder can earn is AED 100 per month.
  • Enjoy unlimited complimentary golf rounds at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays.
  • Enjoy 2 complimentary valet parking services per month at select locations across the UAE.
  • Covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. Visit to get you travel insurance certificate
  • Enjoy a coverage of USD 7,500 per occurrence & USD 20,000 per year. For further assistance, please call one of the numbers
  • VISA International to bring you exclusive discounts and special offers. Your Etihad Guest Visa Infinite Credit Card privileges connect you to a world of even changing luxury
  • Use your Emirates Islamic Etihad Guest Visa Infinite card to pay for your purchases to get Extended Warranty.
  • Now you can really save big time with your Etihad Guest Visa Infinite Credit Card balance transfer facility.
  • Take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online.
  • No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.

Reward Features

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

3.5 Etihad Guest miles on spend at Etihad Airlines
3 Etihad Guest miles on International spend
2.5 Etihad Guest miles on two chosen Categories
Upto 2 Etihad Guest miles on domestic spend

Emirates Islamic Etihad Guest Premium card gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same. 

You will earn 2.5 Etihad Guest Miles for every USD 1 spend on the chosen categories. The Etihad Guest Mile earning on the 2 chosen categories is capped at 1,500 Miles per category per month.

You also have the option to change your chosen categories every quarter by calling our call center.

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 20,000 Tier Miles can be earned in a membership year.

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 500

  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Air Miles
  • Earn dnata points for all spends
  • Earn accelerated points at participating merchant outlets
  • AED 250 Noon voucher ( T&C's apply)

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 500

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Introductory Offer:

 

  • Up to AED 1,000 Travel Vouchers.
  • AED 500 travel voucher on payment of joining fee
  • AED 500 travel voucher after retail spends of AED 10,000 in the first 3 billing statements

Key Features

  • Introductory offer - Up to AED 1,000 Travel Vouchers
  • Earn dnata Points for every spend
  • 10% Rewards for Spends at dnata
  • Earn accelerated rewards at partner stores
  • 0% Interest Instalments for Purchases at dnata
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Car rental offers from Avis
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in Middle East
  • Up to 30% discount on travel booking made via Cleartrip Exclusive benefits with Avis car rental services
  • The Bicester Village Shopping Collection Benefits
  • Purchase protection of up to USD 5,000 per year
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Card Fraud Protection cover up to $4,000 per year

Reward Features

Earn dnata rewards

  • Earn dnata Points for every spend on your dnata World Mastercard, with accelerated rewards at partner stores across travel, dining, leisure and entertainment.
  • Earn 15% dnata Points at Costa, City Sightseeing, Giraffe, Imagine Cruising.
  • Earn 10% dnata Points at Emirates Holidays, MMI.
  • Earn 10% dnata Points at Al Hamra Cellar, Arabian Adventures, dnata Travel, Emirates Holidays, Le Clos.
  • Earn 5% dnata Points on Duty Free Shopping.
  • Earn 1.5% dnata Points on all retail spends.

Things To Be Aware Of

  • Specific spend categories earn lower rewards
  • Max spend cap for spends on participating partners

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 299

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn up to 10% cashback on specific categories
  • Embedded Nol chip for RTA benefits
  • Umlimited Lounge Access
  • Complimentary Golf any day of the week

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Joining Offers

Cashback Plus Free for life- offer expires on 31st December 2020

Key Features

  • Earn up to 10% cashback on supermarket, education, dining & telecom
  • The card comes with an embedded Nol chip
  • Complilmentary cinema offers at Reel cinemas - Buy1 and Get 1 Free
  • Auto top-up facility on Salik and Nol
  • Gold Class Cabin access
  • Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
  • 8% discount on hotel bookings made at Hotels.com
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Two complimentary rounds at Arabian Ranches or Meydan Golf Course
  • Balance transfer facility
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Cash-On-Call facility (upto 80% of your credit limit) through 24/7 phone banking service
  • Extended warranty & purchase protection on purchases made on the card
  • Medical & Legal referral assistance
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration

Reward Features

Earn Cashback on your Emirates Islamic Cashback Plus Credit Card

Cashback on Supermarket, Education, Dining & telecom for total monthly spend level:

  • Up to AED 2,499 - 0% cashback
  • Between AED 2,500 & AED 7,499 - 3% cashback
  • Between AED 7,500 & AED 14,999 - 5% cashback
  • Above AED 15,000 - 10% cashback

Maximum Cash Back Per Month - AED 200 for above categories, except Education as the cap is AED400.

Things To Be Aware Of

  • AED 2500 minimum should be spend to earn cashback
  • For telecom spends on this card use direct payment channels
  • Cashback points Redemption is done via Online/Mob Banking

MINIMUM SALARY

AED 10,000

RATE

3.00%

ANNUAL FEE

AED 150

  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Earn rewards on all spends & also bonus rewards
  • Airport lounge access in over 25+ lounges worldwide
  • Enjoy purchase protection insurance