ADCB Touchpoints Gold Credit Card
Abu Dhabi Commercial Bank (ADCB)
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn Touchpoints Per 1 AED spend
Things To Be Aware Of
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.05%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Choose from First Rewards or First Cashback
Earn 1 First Reward Point per AED on domestic spends.
Earn 2 First Reward Points on supermarket spends.
Earn 2 First Reward Points on International Spends (minimum cumulative spend of AED 500 and maximum spend of AED 20,000 during a given month).
To redeem choose from hundreds of rewards vouchers for jewellery, personal accessories, electronics and more.
OR
Earn up to 3% First Cashback on your domestic spend.
Earn up to 5% First Cashback on your international spend.
Cashback earnings will be capped at AED 1,000 per cycle..
Things To Be Aware Of
MINIMUM SALARY
AED 50,000
RATE
2.75%
ANNUAL FEE
AED 1,575
MINIMUM SALARY
AED 50,000
RATE
2.75%
ANNUAL FEE
AED 1,575
Non AED Transaction Fee
2.10%
Cash Advance Fee
2.75 % / Min 105
Joining Offers
Welcome Offer
Enjoy 200,000 sign-up Air Miles for the first year and 100,000 anniversary Air Miles from the 2nd year onwards.
Key Features
Reward Features
Earning miles
Spend anytime, anywhere with your HSBC Black Credit Card & earn Air Miles:
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.10%
Cash Advance Fee
2.99 % / Min 105
Joining Offers
Sign-up offer of AED100 Sharaf DG voucher
Key Features
Reward Features
Earn Airmiles on your HSBC Advance Credit Card
Things To Be Aware Of
Finance House Platinum Credit Card
Finance House
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
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
Things To Be Aware Of
Finance House
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
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
Reward Features
Earn up to 50% Cashback and an instant AED 400 on each successful referral!
Things To Be Aware Of
FAB Visa Signature Credit Card
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 15,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.05%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Domestic purchases: 1 Star for every AED 1
Redeem your Stars for Etihad Guest Miles, Skywards Miles from Emirates, or to book tickets on any airline through Stars Travel portal.
Things To Be Aware Of
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 8,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.05%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Earn up to AED 3,000 guaranteed cashback (T&Cs apply) and get a chance to win a BMW.
Key Features
Reward Features
First Reward Point:
Things To Be Aware Of
FAB Manchester City FC Infinite Card
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 30,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 30,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.05%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Choose from First Rewards, First Miles or First Cashback
Choice of loyalty program:
First Reward Point:
Cashback:
First Miles:
Things To Be Aware Of
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.05%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn Star Reward Points
Redeem your Stars for Etihad Guest Miles, Skywards Miles from Emirates, or to book tickets on any airline through Stars Travel Portal.
Things To Be Aware Of
FAB Etihad Guest Signature Credit Card
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 15,000
RATE
3.50%
ANNUAL FEE
AED 1,500
MINIMUM SALARY
AED 15,000
RATE
3.50%
ANNUAL FEE
AED 1,500
Non AED Transaction Fee
2.05%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Get a warm welcome with a 35,000 Etihad Guest Miles bonus.
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.50%
ANNUAL FEE
AED 500
MINIMUM SALARY
AED 8,000
RATE
3.50%
ANNUAL FEE
AED 500
Non AED Transaction Fee
2.05%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Primary Card- Earn 10,000 Etihad Guest welcome bonus Miles.
Supplementary Card- Earn 5000 Etihad Guest welcome bonus Miles.
Key Features
Reward Features
Earn Etihad Guest Miles
Things To Be Aware Of
FAB Etihad Guest Infinite Credit Card
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 30,000
RATE
3.50%
ANNUAL FEE
AED 2,500
MINIMUM SALARY
AED 30,000
RATE
3.50%
ANNUAL FEE
AED 2,500
Non AED Transaction Fee
2.05%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Get a warm welcome with 55,000 Etihad Guest Miles bonus.
Key Features
Reward Features
EARN ETIHAD TIER MILES:
All purchase (domestic or international): 2.5 Miles earned per AED 10
Things To Be Aware Of
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 15,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.05%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Choice of loyalty program:
First Reward Point:
Cashback:
First Miles:
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.25 % / Min 105
Key Features
Reward Features
Earn Airmiles on your HSBC Platinum Select Credit Card
Things To Be Aware Of
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 315
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 ( AED 250 for expats and AE 750 for UAE Nationals) . One must have a spend of AED 1,000 in the first 30 days of issuance to qualify for this cashback joining offer. Plus, with FAB Mastercard Cashback Credit Card, you get an additional 5% cashback at the supermarket (including online supermarket shopping). This promotion is only valid until 31 May 2021.
Key Features
Reward Features
Ramadan Cashback Welcome Bonus
Ramadan Offer: AED 250 Cashback for Expatriates within 30 days (valid upto 31-May-21)
Ramadan Offer: AED 750 Cashback for UAE Nationals within 30 days (valid upto 31-May-21)
Earn Cashback
Things To Be Aware Of
FAB Al-Futtaim World Elite Credit Card
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 40,000
RATE
1.66%
ANNUAL FEE
AED 0
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
Reward Features
Earn Al-Futtaim Star Rewards
Things To Be Aware Of
FAB Al-Futtaim Platinum Credit Card
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 8,000
RATE
2.08%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
2.08%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.05%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn Al-Futtaim Star Rewards
Things To Be Aware Of
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.05%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Choose from First Rewards, First Miles or First Cashback
Earn 1 First Reward Point per AED on domestic spends.
Earn 2 First Reward Points on International Spends.
OR
Earn up to 3% First Cashback on your domestic spends.
Earn up to 5% First Cashback on your international spends.
Cashback earnings will be capped at AED 1,000 per cycle.
Things To Be Aware Of
First Abu Dhabi Bank (FAB)
MINIMUM SALARY
AED 15,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.05%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Choose from First Rewards, First Miles or First Cashback
Choice of loyalty program:
First Reward Point:
Cashback:
First Miles:
Things To Be Aware Of
Emirates NBD Visa Platinum Credit Card
Emirates NBD
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
Emirates NBD Visa Infinite Credit Card
Emirates NBD
MINIMUM SALARY
AED 50,000
RATE
2.99%
ANNUAL FEE
AED 1,500
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
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
Emirates NBD U By Emaar Visa Signature
Emirates NBD
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 250
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.
Key Features
Reward Features
Earn Emaar Upoints
(Cap-16666 points P.M.)
Things To Be Aware Of
Emirates NBD U By Emaar Visa Infinite
Emirates NBD
MINIMUM SALARY
AED 30,000
RATE
3.09%
ANNUAL FEE
AED 1,500
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.
Key Features
Reward Features
Things To Be Aware Of
Emirates NBD U By Emaar Visa Family Card
Emirates NBD
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Life time free credit card along with a AED 300 Noon.com voucher. Apply online now!
Key Features
Reward Features
Earn Emaar Upoints
Emirates NBD Lulu 247 Titanium Credit Card
Emirates NBD
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 313
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 313
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.25 % / Min AED105
Key Features
Reward Features
Earn Cashback on ALL spends:
Things To Be Aware Of
MINIMUM SALARY
AED 50,000
RATE
3.24%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 50,000
RATE
3.24%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.10%
Cash Advance Fee
2.75 % / Min AED105
Key Features
Reward Features
Earn Airmiles on your HSBC Advance Credit Card
Things To Be Aware Of
Emirates NBD Go4it Platinum Credit Card
Emirates NBD
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Life time free credit card along with a AED 300 Noon.com voucher. Apply online now!
Key Features
Reward Features
Earn Plus Points rewards:
Things To Be Aware Of
Simplylife Family Credit Card Premium
Simplylife
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 524
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 524
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Key Features
Things To Be Aware Of
United Arab Bank Infinite Credit Card
United Arab Bank (UAB)
MINIMUM SALARY
AED 40,000
RATE
2.79%
ANNUAL FEE
AED 0
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
Key Features
Reward Features
Earn UAB Rewards Points:
Things To Be Aware Of
Union National Bank World Card
Union National Bank (UNB)
MINIMUM SALARY
AED 20,000
RATE
3.19%
ANNUAL FEE
AED 630
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
Reward Features
Earn UNBmiles on all spends
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
Union National Bank Vantage Credit Card
Union National Bank (UNB)
MINIMUM SALARY
AED 8,000
RATE
3.19%
ANNUAL FEE
AED 0
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
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
Union National Bank Titanium Card
Union National Bank (UNB)
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
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
Reward Features
Earn UNBmiles on all spends
Things To Be Aware Of
Union National Bank Platinum Card
Union National Bank (UNB)
MINIMUM SALARY
AED 18,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 18,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn Cashback
Earn 1.5% cashback on your total spend
Union National Bank International Travel Card
Union National Bank (UNB)
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
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
Reward Features
Earn UNBmiles
Union National Bank (UNB)
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 262
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 262
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn UNBmiles
Earn 1.5 UNBmiles for every 1 AED you spend.
Union National Bank Classic Card
Union National Bank (UNB)
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
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
Reward Features
Earn Rewards
Standard Chartered Visa Infinite Card
Standard Chartered Bank (SCB)
MINIMUM SALARY
AED 30,000
RATE
3.45%
ANNUAL FEE
AED 1,575
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
Key Features
Reward Features
Earn 360° Reward Points on all spends
Things To Be Aware Of
Standard Chartered Shukran World Credit Card
Standard Chartered Bank (SCB)
MINIMUM SALARY
AED 25,000
RATE
3.45%
ANNUAL FEE
AED 263
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
Reward Features
Earn Shukran Points on your Standard Chartered Shukran World Credit card
Things To Be Aware Of
Standard Chartered Manhattan Platinum Card
Standard Chartered Bank (SCB)
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 525
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
Things To Be Aware Of
Simplylife
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.10%
Cash Advance Fee
Key Features
Simplylife Cashback Credit Card
Simplylife
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
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
RAKBANK
MINIMUM SALARY
AED 20,000
RATE
3.25%
ANNUAL FEE
AED 0
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
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
RAKBANK
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
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
Reward Features
Earn Cashback on all spends
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
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
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn RAKrewards
Monthly Spend Tier & RAKrewards earned per 1 AED:
Monthly Spend Tier & RAKrewards per 1 AED on Fuel:
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 SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
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
Reward Features
Earn RAKrewards
Monthly Spend Tier & RAKrewards earned per 1 AED:
Quarterly Spend Tier & bonus RAKrewards rate:
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
MINIMUM SALARY
AED 16,000
RATE
3.25%
ANNUAL FEE
AED 524
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
Key Features
Reward Features
Earn Voyager Rewards:
Redeem Voyager points against travel purchase transactions (flights/hotel bookings, travel packages, airport transfers, etc.)
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 420
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 420
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Joining Offers
10% cashback at Carrefour and 5% cashback everywhere else for the first 60 days. Get AED 400 cashback as introductory offer.
Key Features
Reward Features
Earn Cashback (subject to minimum overall spend of AED 2,000 per month):
Things To Be Aware Of
MINIMUM SALARY
AED 7,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 7,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Key Features
Reward Features
Earn Cashback (subject to minimum overall spend of AED 2,000 per month) :
Things To Be Aware Of
Najm
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 314
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Key Features
Reward Features
Earn cashback subject to minimum spend of AED 2,000 per month:
Things To Be Aware Of
Mashreq Bank
MINIMUM SALARY
AED 35,000
RATE
3.45%
ANNUAL FEE
AED 1,575
MINIMUM SALARY
AED 35,000
RATE
3.45%
ANNUAL FEE
AED 1,575
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / Min 210
Joining Offers
Apply & get AED 750 cashback
Key Features
Reward Features
Earn Salaam Carats
Things To Be Aware Of
Mashreq Platinum Elite Visa Card
Mashreq Bank
MINIMUM SALARY
AED 7,000
RATE
3.45%
ANNUAL FEE
AED 682
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
Key Features
Reward Features
Earn Salaam Points
Accelerated Reward Points:
Things To Be Aware Of
Mashreq Bank
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 315
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 315
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / Min 210
Key Features
Things To Be Aware Of
ADCB TouchPoints Infinite Credit Card
Abu Dhabi Commercial Bank (ADCB)
MINIMUM SALARY
AED 40,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 40,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 100
Key Features
Reward Features
Earn Touchpoints
Things To Be Aware Of
Emirates NBD Lulu 247 Platinum Credit Card
Emirates NBD
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 250
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
Key Features
Reward Features
Earn LuLu Points
Things To Be Aware Of
Emirates NBD Go4it Gold Credit Card
Emirates NBD
MINIMUM SALARY
AED 6,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 6,000
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 300 Noon.com voucher. Apply online now!
Key Features
Reward Features
Earn Plus Points rewards
Things To Be Aware Of
Abu Dhabi Islamic Bank (ADIB)
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 500
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 500
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
ADIB Rewards Program
1% flat Cashback: anywhere – any time
Things To Be Aware Of
Commercial Bank International (CBI)
MINIMUM SALARY
AED 15,000
RATE
2.25%
ANNUAL FEE
AED 158
MINIMUM SALARY
AED 15,000
RATE
2.25%
ANNUAL FEE
AED 158
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Things To Be Aware Of
Commercial Bank International (CBI)
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 840
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 840
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Welcome Bonus
50, 000 Bonus Reward Points or 1st Year Free – No annual fees for the first year*
Key Features
Reward Features
Earn CBI Reward Points on all spends on your CBI Rewards World Mastercard Credit Card
Things To Be Aware Of
CBI Rewards Platinum Mastercard
Commercial Bank International (CBI)
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn CBI Reward Points on all spends on your CBI Rewards Platinum Mastercard
Things To Be Aware Of
CBI Mastercard Titanium Credit Card
Commercial Bank International (CBI)
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Things To Be Aware Of
CBI First World Mastercard Credit Card
Commercial Bank International (CBI)
MINIMUM SALARY
AED 50,000
RATE
2.99%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 50,000
RATE
2.99%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn CBI Reward Points on all spends on your CBI Rewards World Mastercard:
Things To Be Aware Of
Commercial Bank of Dubai (CBD)
MINIMUM SALARY
AED 30,000
RATE
3.45%
ANNUAL FEE
AED 787
MINIMUM SALARY
AED 30,000
RATE
3.45%
ANNUAL FEE
AED 787
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
40,000 CBD Reward Points.
Welcome Bonus is given provided the cardholder spends 5000 AED within 30 days from card issuance date.
Key Features
Reward Features
Earn Reward Points
Things To Be Aware Of
Commercial Bank of Dubai (CBD)
MINIMUM SALARY
AED 12,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 12,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
Welcome Offer
Key Features
Reward Features
Earn Reward Points
Things To Be Aware Of
Commercial Bank of Dubai (CBD)
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
Welcome Offer
20,000 CBD Reward Points.
Welcome Bonus is given provided the cardholder spends 500 AED within 30 days from card issuance date.
Key Features
Reward Features
Earn Reward Points
Things To Be Aware Of
Commercial Bank of Dubai (CBD)
MINIMUM SALARY
AED 20,000
RATE
3.45%
ANNUAL FEE
AED 787
MINIMUM SALARY
AED 20,000
RATE
3.45%
ANNUAL FEE
AED 787
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
60,000 CBD Reward Points.
Welcome Bonus is given provided the cardholder spends 5000 AED within 30 days from card issuance date.
Key Features
Reward Features
Earn Reward Points
Things To Be Aware Of
Commercial Bank of Dubai (CBD)
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 420
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 420
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
No Annual Fee for the first year on Primary Card. Annual fee applicable only from second year onwards
Key Features
Reward Features
Earn 10% CASHBACK on the following everyday retail spend categories, capped at AED 200 per category, per month, when you spend AED 1,500 outside of these categories:
Earn up to 1% Cashback on every AED 2 on all other spends, with no caps.
Things To Be Aware Of
Commercial Bank of Dubai (CBD)
MINIMUM SALARY
AED 12,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 12,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.75%
Cash Advance Fee
2.75 % / AED 105
Joining Offers
Welcome Offer:
Key Features
Reward Features
Earn Smiles points:
Things To Be Aware Of
Abu Dhabi Islamic Bank (ADIB)
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
ADIB Rewards Program
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.25%
ANNUAL FEE
AED 1,500
MINIMUM SALARY
AED 30,000
RATE
3.25%
ANNUAL FEE
AED 1,500
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Get to enjoy a 12-month free amazon prime membership.
Key Features
Reward Features
Earn Citi ThankYou® Points
With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences
Things To Be Aware Of
ADIB Rotana Rewards Exclusive Visa Card
Abu Dhabi Islamic Bank (ADIB)
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 1,250
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 1,250
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Rotana Rewards Exclusive Program
Things To Be Aware Of
ADIB Etisalat Visa Signature Card
Abu Dhabi Islamic Bank (ADIB)
MINIMUM SALARY
AED 15,000
RATE
3.09%
ANNUAL FEE
AED 1,199
MINIMUM SALARY
AED 15,000
RATE
3.09%
ANNUAL FEE
AED 1,199
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
100,000 welcome Etisalat Smiles Points
Key Features
Reward Features
Earn Etisalat Smiles Rewards Points
Things To Be Aware Of
ADIB Etisalat Visa Platinum Card
Abu Dhabi Islamic Bank (ADIB)
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 999
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 999
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
70,000 welcome Etisalat Smiles Points
Key Features
Reward Features
Earn Etisalat Smiles Rewards Points
Things To Be Aware Of
Abu Dhabi Islamic Bank (ADIB)
MINIMUM SALARY
AED 10,000
RATE
3.09%
ANNUAL FEE
AED 700
