Best Credit Card In UAE

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+971

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

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

Reward Features

Earn Touchpoints Per 1 AED spend

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 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

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 1,000

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Guaranteed AED 1000 travel voucher as joining offer
  • 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 5,000

RATE

3.75%

ANNUAL FEE

AED 1,000

Non AED Transaction Fee

-

Cash Advance Fee

3.15 % / Min 105

Joining Offers


Get a guaranteed AED 1000 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.
  • Get a guaranteed AED 1000 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.
  • 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 four rides).
  • Get up to 5 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 cardholder , get 20% off on three Careem rides by Visa. For details visit ae.visamiddleeast.com
  • Visa cardholder benefits that make life more rewarding. As a Visa cardholder, get great travel and entertainment benefits with your Visa FAB credit card
  • 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 signature cardholders. They take care of the details so you can take your seat and enjoy.
  • 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.

Reward Features

Earn FAB Miles with each USD $1:

  • Get 1 FAB Mile for each USD $1 spent on retail purchases anywhere
  • Get 1.5 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:

  • Aeroplan
  • Avianca LifeMiles

  • BIG Rewards
  • British Airways Executive Club
  • Club Vistara
  • Emirates Skywards
  • Flying Blue
  • Fortune Wings Club
  • IHG® Rewards
  • Jumeirah One
  • Turkish Airlines Miles&Smiles
  • Wyndham Rewards

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 5,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • No Annual fee
  • Win a trip to Etihad Stadium to watch Manchester City
  • Win a chance to meet the Manchester City Team in the UK
  • Access to airport lounges across the Middle East

MINIMUM SALARY

AED 5,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Exclusive Manchester City Football Club experiences
  • Win a trip to the Etihad Stadium to watch Manchester City in action
  • Win a chance to meet the Manchester City Team in the UK
  • Witness One of the Final Matches in the UK
  • Win official kids coaching lessons
  • Win Mall Vouchers
  • Shop Smart
  • Talk for free
  • Redeem loyalty points against MCFC merchandise
  • Select a loyalty program of your choice - rewards or cashback
  • Priceless Arabia Mastercard Offers
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • Balance Transfer

Reward Features

  • Earn up to 2.5 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

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 5,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • No annual fee
  • Up to 4.25% fixed discount on advanced payment of GEMS fees
  • 10% Cashback with Shop Smart
  • Enjoy access to airport lounges across the Middle East
  • Enjoy special offers at restaurants, premium retail etc.

MINIMUM SALARY

AED 5,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Up to 4.25% discount on GEMS school tuition fee
  • Convert the school fees into 0% interest Easy Payment Plan for up to 12 months
  • Unlimited VIP airport lounge access in the Middle East
  • Movie tickets from just AED 15 - at Cine Royal, Oscar Cinemas and Reel Cinemas
  • Earn FAB reward points on all spends - domestic & international
  • Special offers at numerous food & beverage outlets and family entertainment venues in UAE
  • Education protection coverage up to AED 500,000 per child
  • 10% Cashback with Shop Smart
  • Home content insurance

Reward Features

Earn FAB Reward Points

  • Earn 2.5 FAB Rewards Star for every AED 1 spent

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

  • Your child/children must be enrolled in a GEMS school
  • Some benefits require minimum spend

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 8,000

RATE

3.50%

ANNUAL FEE

AED 500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • 10,000 welcome Etihad Bonus Guest Miles
  • 25% Etihad Guest Miles discount voucher
  • Miles Accelator and Double Miles on recurring trans.
  • Airport Transfers Facility
  • Free Cinema Tickets

MINIMUM SALARY

AED 8,000

RATE

3.50%

ANNUAL FEE

AED 500

Non AED Transaction Fee

2.49%

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.

Double Etihad Guest Miles when you use your card to buy Etihad Airways or Etihad Partner Airlines flight tickets.

Key Features

  • Receive 10,000 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
  • Miles Accelator Program
  • Earn bonus Etihad Guest Miles of 20000 on a spend of AED 40000 in the first six months
  • 25% Etihad Guest Miles discount voucher
  • Optional Miles Accelerator program
  • 2 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • 40% discount at over 100 golfcourses worldwide
  • Visa VOX Cinemas offer - 50% off on Sundays
  • Global purchase protection
  • Extended warranty
  • International medical and travel assistance
  • Home content insurance

Reward Features

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

  • Domestic transactions (AED): 2.0 Miles earned per AED 10
  • International transactions (non-AED): 3.5 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 4.0 Miles earned per AED 10

MILES ACCELERATOR PROGRAM

Earn 5.5 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

  • Some benefits require min spend
  • 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 5,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • 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 5,000

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% discount on du Smart Phone Privilege Plan
  • 10% bonus credit on prepaid line recharges
  • 10% discount on du home services bill payments
  • Accelerated First Reward points on du transactions
  • Select a loyalty program of your choice - rewards or cashback
  • Reward redemption against your du bill payments
  • Tap & go
  • Talk for free
  • Unlimited access to airport lounges across the Middle East
  • VIP Diamond Lounge Access
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • 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 1,250 on your du Titanium 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 2.5 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 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 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 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 8,000

RATE

2.08%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • No annual fee
  • Enjoy 2 airport transfers every year
  • Exclusive offers and 5% cashback from Al-Futtaim showrooms
  • Enjoy access to airport lounges across the Middle East
  • Complimentary 0% balance transfer for up to 12 months

MINIMUM SALARY

AED 8,000

RATE

2.08%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn Al-Futtaim Stars on all purchases and redeem them for a range of travel benefits
  • Enjoy 0% EPP at Al-Futtaim showroom and storess
  • Complimentary 0% balance transfer for up to 12 months
  • 5% Cashback Rewards in the form of Al-Futtaim Stars for every AED 1 spent at Al-Futtaim showrooms and stores
  • Exclusive offers from Al-Futtaim showrooms and stores
  • Movie tickets from just AED 15 - at Cine Royal, Oscar Cinemas and Reel Cinemas
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Unlimited airport lounge access across select airports in the Middle East
  • Purchase protection cover
  • Global lost & stolen reporting service & emergency card replacement
  • Introducty interest rate of 2.08% for first year post which the standard rates apply
  • 3.25% with salary transfer and 3.5% without 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

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Roadside Assistance
  • Rent with Avis and get a complimentary upgrade , worldwide
  • No Annual Fee
  • Access to airport lounges across the Middle East
  • 20% off 3 rides on careem

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Spend and win cash prize

Every July:  January to June ( 6 months). Cummulative spend of AED 25000 in 6 months. Total winners per draw 20. Maximum wining amount  25000

Every January : January to December( previous year). 

  • Cummulative spend of AED 50000 in 12months. Total winners per draw 20. Maximum wining amount  50000
  • Cummulative spend of AED 25000 to AED 50000 in 12months. Total winners per draw 100. Maximum wining amount  1000.

Key Features

  • Complimentary airport lounge access
  • Attractive Avis Car Rental discounts
  • Discounted careem rides
  • Master card buy1 and get 1 offers throughout Middle East & Africa across fine dining, premium spas or activities
  • Shop smart Get up to 10% cashback all year round at leading global online stores using your FAB Credit Card and SHOP SMART through the Fab mobile app.
  • Select a loyalty program of your choice - rewards or cashback
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • Unlimited access to airport lounges across the Middle East
  • Emergency auto assistance
  • Balance Transfer

Reward Features

The all-new Rewards on the FAB Mobile app

  • Earn up to 2.5 FAB Rewards for every AED 1 you spend
  • 25% extra FAB Rewards for your spending in Abu Dhabi
  • 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

MINIMUM SALARY

AED 15,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Air Miles
  • Roadside Assistance
  • No Annual fee
  • 2 Airport transfers per annum
  • 4 complimentary access to 1000 + airport lounges
  • Enjoy upto 4 movie tickets at discounted rates
  • Spend and win cash prizes

MINIMUM SALARY

AED 15,000

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 prize

Every July:  January to June ( 6 months). Cummulative spend of AED 25000 in 6 months. Total winners per draw 20. Maximum wining amount  25000

Every January : 

January to December( previous year). 

Cummulative spend of AED 50000 in 12months. Total winners per draw 20. Maximum wining amount  50000

Cummulative spend of AED 25000 to AED 50000 in 12months. Total winners per draw 100. Maximum wining amount  1000.

Key Features

  • Avis Car rental discounts
  • Free airport lounge access at 1000+ airports
  • Complimentary valet parking
  • Free cinema offers
  • Buy 1 and Get 1 offers
  • Get up to 10% cashback all year round at leading global online stores
  • Earn Fab rewards on spend
  • Mastercard Global purchase protection
  • Mastercard Emergency assistance
  • Dining Offers and Hotel discounts
  • 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

The all-new Rewards on the FAB Mobile app

  • Earn up to 4 FAB Rewards for every AED 1 you spend
  • 25% extra FAB Rewards for your spending in Abu Dhabi
  • 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

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 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

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

  • 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.

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

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

  • 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 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Life Insurance
  • Contactless Tech
  • Life time free card along with a AED 300 Noon.com voucher
  • Discounts & offers at Emaar establishments

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

  • Silver U by Emaar Status
  • 20% off on dining across Emaar Hospitality Group
  • 20% off spas at Emaar Hospitality venues
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 3 Complimentary tickets at Vox Standard under Buy1 get 1 offer
  • 30% off entertainment
  • Buy One Get One free on movie experiences
  • Hotel discounts via Agoda.com

Reward Features

Earn Emaar Upoints

  • Earn 50 Upoints per AED 100 on all spends at Emaar
  • Earn 10 Upoints per AED 100 on all spends outside Emaar

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 300 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

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 12,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • RTA Nol Card related benefits
  • Exclusive cinema offers
  • Earn Plus Points on all spends
  • 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

Life time free credit card along with a AED 300 Noon.com voucher.  Apply online now!

Key Features

  • Use your Go4it Card like the RTA Nol Card as well as a credit card
  • Access to Gold class and fare payment of Gold Class from Nol Tag ID
  • Auto top up facility for Nol top up
  • Earn Plus Points rewards on all spends
  • 6 discounted tickets at Vox along with 10 complimentary under buy1 get 1 at Vox standard. 20% off at Roxy cinema during weekdays.
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Earn additional Plus Points on weekends and on RTA spends
  • Redeem Plus Points for gift vouchers, top up for your Nol Tag ID, frequent flyer miles, annual membership fee waivers, or even cash back
  • Exclusive offer on movie tickets
  • Salik Auto Top Up
  • Utility Bill Payments
  • Bon Appétit - An exclusive dining experience
  • Free rides on Dubai Ferry
  • Discounts on air tickets and holiday packages
  • Complimentary Life Insurance (AED 100,000)
  • Lifestyle Protector Insurance
  • International Medical & Travel Assistance
  • Purchase Protection for lost, stolen or damaged goods purchased
  • Extended Warranty
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 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  5 Plus Points for every AED 200 spend on weekends.
  • Earn  4 Plus Points for every AED 200 spend on RTA.
  • Earn  1 Plus Points for every AED 200 spend on weekdays.

Things To Be Aware Of

  • Some benefits require min average 3monthly spend of AED3,000

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 10,000

RATE

3.45%

ANNUAL FEE

AED 313

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • No annual fee for the 1st year
  • Earn cashback on all spends - no exclusions
  • 'Buy 1 Get 1 Free' tickets at Vox Cinemas
  • Up to 10% cashback on your spend
  • 1000s of discounts and benefits with HSBC ENTERTAINER app

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

Joining Offers

Welcome offer: Get AED 300 cashback when you apply for a Cashback Credit Card 


Key Features

  • Earn cashback on ALL your spends (10% cashback on Fuel, 3% cashback on supermarket, 1% cashback on everything else)
  • Enjoy automatic statement credit of cashback every month
  • Buy 1 Get 1 Free' tickets at Vox Cinemas
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Timeout and Golf Access Programme
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Free HSBC Entertainer Mobile App
  • Exclusive dining privileges
  • 12% discount with Agoda at over 180,000 hotels worldwide
  • Dragon Pass Dine & Fly programme
  • Extended warranty of upto 1 year over the original manufacturer warranty
  • Purchase protection cover of upto USD 20,000 per year

Reward Features

  • Earn 10% cashback on all fuel spends in the UAE (max AED 100 p.m.)
  • Earn 3% cashback on all supermarket spends in the UAE (max AED 200 p.m)
  • Earn 1% cashback on all other spends (no max cap)
  • Cashback will be automatically credited to your statement every month.

 

AED 300 cashback available to all new and existing HSBC customers who apply for a new primary HSBC Cashback Credit Card or HSBC Zero Credit Card or HSBC Premier Credit Card or HSBC Advance Credit Card and who do not have a primary Credit Card at the time of application and did not have one 6 months prior to application. You must apply before 30 June 2022 to qualify and only eligible spends as referenced in the HSBC's terms and condition will be accepted.

Things To Be Aware Of

  • 2 free supplementary cards, AED 50 thereafter
  • Fuel & supermarket spends have max cashback caps

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 100

Key Features

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

Reward Features

Earn Touchpoints

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 524

  • Cinema Tickets
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Up to 6 free cinema tickets each month

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

  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Enjoy up to 5% discount on flights, up to 10% discount on hotels and up to 15% discount on local entertainment
  • 6 free tickets per month, 10 at buy 1 get 1 at VOX and 20% off at Roxy
  • Personalise your credit card with a photo of your choice
  • Balance transfers at low interest rates
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty & purchase protection on purchases made on the card

Things To Be Aware Of

  • Min spend of AED 1,500 p.m. for free movie tickets

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 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 18,000

RATE

3.19%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Earn cashback on all spends
  • Complimentary Marhaba services

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

  • Earn 1.5% cashback on your total spend
  • Exclusive dining, shopping and entertainment offers
  • 10 Complimentary tickets on Sundays in a month at VOX Standard 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
  • Complimentary Marhaba and Golden Class services at Dubai and Abu Dhabi airports
  • Instalment plans of up to 12 months for purchases at leading UAE outlets
  • Free online and mobile banking
  • Free SMS notifications & e-statements
  • Balance transfer facility available

Reward Features

Earn Cashback

Earn 1.5% cashback on your total spend

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Balance Transfer
  • No annual fee
  • Attractive forex rates
  • 50% value back on cinema spends

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

  • No annual fee
  • Earn 1 UNBmile for every 1.5 AED you spend
  • 50% movie cashback, up to AED 125 per month
  • Special discounts on Marhaba and Golden Class services at Dubai and Abu Dhabi airports
  • Attractive forex rates
  • Balance transfer facility available
  • Free online and mobile banking
  • Free SMS notifications & e-statements

Reward Features

Earn UNBmiles

  • Earn 1 UNBmile for every AED 1 spent abroad
  • Earn 1 UNBmile for every 1.5 AED you spend locally

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 262

  • Cinema Tickets
  • Balance Transfer
  • 50% value back on cinema spends
  • Earn UNBmiles on all spends

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

  • Earn 1 UNBmile for every 1.5 AED you spend
  • 50% movie cashback as UNB miles
  • Special discounts on Marhaba and Golden Class services at Dubai and Abu Dhabi airports
  • Exclusive dining, shopping and entertainment offers
  • Instalment plans of up to 12 months for purchases at leading UAE outlets
  • Credit Shield insurance against personal accident and loss of employment
  • Fraud Guard insurance against fraudulent use of your Card
  • Balance transfer facility available
  • Interest-free grace period of up to 50 days
  • Free online and mobile banking
  • Free SMS notifications & e-statements

Reward Features

Earn UNBmiles

Earn 1.5 UNBmiles for every 1 AED you spend.

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Balance Transfer
  • 50% value back on cinema spends
  • Earn UNBmiles on all spends

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

  • Earn 1 UNBmile for every 1.5 AED you spend
  • 50% movie cashback as UNB miles
  • Special discounts on Marhaba and Golden Class services at Dubai and Abu Dhabi airports
  • Exclusive dining, shopping and entertainment offers
  • Instalment plans of up to 12 months for purchases at leading UAE outlets
  • Credit Shield insurance against personal accident and loss of employment
  • Balance transfer facility available
  • Interest-free grace period of up to 50 days
  • Free online and mobile banking
  • Free SMS notifications & e-statements

Reward Features

Earn Rewards

  • 1 UNBmile for every AED 1.5 spend
  • Movie cashback - 50% (up to AED 125 per month)

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
  • Earn AED 750 cashback as joining offer
  • 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

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 525

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • First year free second year onwards AED 525
  • Buy 1 Get 1 Free on 2D and 3D movie tickets at all VOX
  • Discounts of up to 20% at over 200 airport restaurants
  • Amazon gift card worth AED 500 as joinng offer

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

All successful credit card applications will be eligible for an Amazon.ae Gift Card* (“the Offer”) worth AED 500 once the spend requirement of AED 5000 has been met ( by 31st August 2022). This offer is valid from May 1st, 2022, till July 31s 2022. Qualified customers will receive the gift card on their registered email. 

Please refer to the terms and conditions for the joining offer at the time of application.


Key Features

  • Earn 1 Reward Point for every $1 spent
  • Buy 1 Get 1 Free at Costa Coffee in UAE
  • 4 free tickets at VOX through Buy1 Get 1 and 20% discount at Reel Cinemas
  • Get 50% off at VOX Cinemas on Sundays across UAE
  • Dine & Fly with Dragonpass
  • 8% discount on hotel bookings made at Hotels.com
  • Up to 30% off the total bill with Visa Timeout
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Purchase protection for up to 365 days
  • Extended warranty
  • The Good Life privileges offers
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn 360° Reward Points on all spends on your Standard Chartered Manhattan 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. 
  • Redeem your points for the latest electronic gadgets, lifestyle offers, travel and much more.
  • Transfer your Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as to hotel loyalty programmes.

Things To Be Aware Of

  • 2 supplementary cards are free, AED 157.50 thereafter
  • Reward points expiry 3 years from date of earning

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Free for life
  • 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

  • No annual fees - ever!
  • 2 complimentary tickets at any cinema, 10 B1G1 tickets on Sundays at VOX and 20% off at Roxy
  • Enjoy up to 5% discount on flights, up to 10% discount on hotels and up to 15% discount on local entertainment
  • Personalise your credit card with a photo of your choice
  • Balance transfers at low interest rates
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Things To Be Aware Of

  • Min spend of AED 1,500 p.m. for free movie tickets

MINIMUM SALARY

AED 10,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Life time free
  • No cash advance or overlimit fee
  • 'Buy 1 Get 1 Free' movie offers on Sundays at VOX
  • Free supplementary Cards
  • Zero processing fees on balance transfers

MINIMUM SALARY

AED 10,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.25 % / Min AED105

Key Features

  • ZERO fees - no Annual Fees, no Over Limit fees & no Cash Advance fees
  • Upto 5 tickets on at VOX per month on Buy 1 Get 1 offer
  • Free HSBC Entertainer Mobile App
  • Visa Luxury Hotel collection offers
  • Access to over 200 airport restaurant offers globally
  • Exclusive dining privileges
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Travel discounts of up to 12% with Agoda
  • Dragon Pass Dine & Fly programme
  • Extended warranty of upto 1 year over the original manufacturer warranty
  • Purchase protection cover

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 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 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 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 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 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 10,000

RATE

3.25%

ANNUAL FEE

AED 209

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Earn rewards on ALL spends

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 209

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 90

Key Features

  • Earn 'Voyager Rewards' on all spends & redeem against your travel purchases
  • Up to 9% discount on Expedia Hotel Bookings
  • Up to 2 buy-one-get-one free on tickets & popcorn at VOX Cinemas
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 50% off on dining, shopping, travel and entertainment experiences from over 450 partners
  • 10 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus subscription
  • Extended warranty & purchase protection on purchases made on the card

Reward Features

Earn Voyager Rewards:

  • Earn 2.5 Voyager Rewards for every AED spent internationally
  • Earn 1.5 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 8,000

RATE

3.25%

ANNUAL FEE

AED 420

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Exclusive offers at Carrefour
  • Earn 3% cashback at Carrefour through the year
  • Earn 6% cashback at Carrefour on Tuesdays
  • VOX Cinema offers

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

  • Earn extra cashback (3%) at all purchases at Carrefour (and 6% on Tuesdays)
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Exclusive Carrefour benefits including dedicated check-out counters, free unlimited vallet trolley & other offers
  • Earn extra cashback at all purchases at Carrefour
  • Up to 2 buy-one-get-one free on tickets & popcorn at VOX Cinemas
  • 12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
  • 30% off on dining, shopping, travel and entertainment experiences from over 450 partners
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Extended warranty & purchase protection on purchases made on the card
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Cashback (subject to minimum overall spend of AED 2,000 per month):

  • For every AED 1 spent in Carrefour earn 3% cashback and for every AED 1 spent everywhere else earn 1.5% cashback
  • Double your Cashback every Tuesday at Carrefour (i.e. earn 6% cashback)
  • Maximum redemption a month is AED 500 in Carrefour voucher

Things To Be Aware Of

  • Interest rate varies based on % of total bal paid previously
  • Minimum spend of AED 2,000 p.m required to earn cashback

MINIMUM SALARY

AED 7,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Free for life cashback credit card
  • Exclusive offers at Carrefour
  • Earn 3% cashback at Carrefour on Tuesdays

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

  • Earn extra cashback (1.5%) at all purchases at Carrefour (and 3% on Tuesdays)
  • Exclusive Carrefour benefits including dedicated check-out counters, free unlimited valet trolley & other offers
  • 12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 30% off on dining, shopping, travel and entertainment experiences from over 450 partners
  • 8% discount on hotel bookings made at Hotels.com
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Extended warranty & purchase protection on purchases made on the card

Reward Features

Earn Cashback (subject to minimum overall spend of AED 2,000 per month) :

  • For every AED 1 spent in Carrefour earn 1.5% cashback and for every AED 1 spent everywhere else earn 0.5% cashback
  • Double your Cashback every Tuesday at Carrefour (i.e. earn 3% cashback)
  • Maximum redemption a month is AED 200 in Carrefour voucher

Things To Be Aware Of

  • Interest rate varies based on % of total bal paid previously
  • Minimum spend of AED 2,000 p.m required to earn cashback

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 314

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Earn cash back on all spends
  • Earn up to 10% cashback

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

  • Get up to 10% cash back on groceries, utilities, school fees, dining, fashion, fuel etc. (max cap of AED 500 cashback per month)
  • 12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
  • Access to over 200 airport restaurant offers globally
  • Extended warranty & purchase protection on purchases made on the card
  • 30% off on dining, shopping, travel and entertainment experiences from over 450 partners

Reward Features

Earn cashback  subject to minimum spend of AED 2,000 per month:

  • Cashback rates are dependent on number of transactions made - 1-5 = 1%, 11-25 = 2%, 26-40= 4%, 41-50 = 6%, 51-60 = 8%, 61+ = 10%
  • Minimum transaction value to qualify is AED 75
  • Limits apply on number of transactions per day and per month for each merchant ID as well as specific  merchant category codes (MCC)
  • Maximum cash back per month is AED 500

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

MINIMUM SALARY

AED 6,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Life Insurance
  • RTA Nol Card related benefits
  • Exclusive cinema offers Earn Plus Points on all spends
  • Life time free card along with a AED 300 Noon.com Voucher.
  • Complimentary life insurance pls refer to more details page

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

  • Use your Go4it Card like the RTA Nol Card as well as a credit card
  • Earn Plus Points rewards on all spends
  • 4 tickets discouted at 47.25AED for 2 at Standard Vox.
  • Earn Plus Points rewards on all spends
  • 0% Easy Instalment Plan
  • Earn additional Plus Points on weekends and on RTA spends
  • Redeem Plus Points for gift vouchers, top up for your Nol Tag ID, frequent flyer miles, annual membership fee waivers, or even cash back
  • Salik Auto Top Up
  • Bon Appétit - An exclusive dining experience
  • Free rides on Dubai Ferry
  • Discounts on air tickets and holiday packages
  • Complimentary Life Insurance (AED 75,000)
  • International Medical & Travel Assistance
  • Utility Bill Paments
  • SkyShopper-Your online marketplace for deals and discounts
  • Lifestyle Protector Insurance
  • Auto top up facility for Nol top up
  • 8% discount on hotel bookings made at Hotels.com

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 5 Plus Points for every AED 400 spend on weekends.
  • Earn up to 4 Plus Points for every AED 400 spend on RTA.
  • Earn up to 1 Plus Points for every AED 400 spend on weekdays.

Things To Be Aware Of

  • Some benefits require min average 3monthly spend of AED2,000

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Welcome bonus of 6000 Tamayaz points
  • Free for life
  • Free Valet Parking

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome bonus of 6,000 Tamayaz Points

Key Features

  • Complimentary welcome bonus of 6,000 Tamayaz Points
  • 10 tickets under Buy1 get 1 at Vox and 20% off at Roxy
  • Up to 3 Tamayaz Points for every Dirham spent at Union Coop store
  • Tamayaz Points earned on all local and international transactions
  • Redeem Tamayaz Points against purchases at Union Coop stores
  • One free valet parking every month at select locations
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Free for life card
  • Tap and pay experience with Visa Paywave
  • Purchase protection cover
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Extended warranty & purchase protection on purchases made on the card
  • Instant Discounts and offers and Shopper valet service at select Union Coop stores
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Emergency medical & legal referral service
  • Global assistance
  • 4 free months of Anghami Plus

Reward Features

Earn Union Coop Tamayaz Points

  • Earn upto 3 Tamayaz Points for every Dirham spent at Union Coop store
  • Earn 2 Tamayaz Points for every Dirham on International Spend
  • Earn 1 Tamayaz Points for every Dirham on Local Spend
  • Domestic spends under govt services will earn 0.6 Tamayaz points per AED 1 of spend

Things To Be Aware Of

  • Spends under govt services earn lower Tamayaz points
  • Higher point value for shareholders of Union Cooperative
  • Call the bank to transfer Tamayaz Points to Tamayaz account

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Cashback on all local and international transactions
  • Free for life
  • Additional Cashback on Fuel and RTA payments

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 10% cash back on fuel spends
  • 10% cash back on RTA transport payments
  • 2.25% cash back on international spends
  • 1.25% cash back on all other spends
  • Visa Luxury Hotel collection offers
  • Access to over 200 airport restaurant offers globally
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 10 tickets under Buy1 get 1 at VOX and 20% off at Roxy
  • 8% discount on hotel bookings made at Hotels.com
  • Auto Top-up facility for NOL and Salik Accounts
  • Use your card like the RTA Nol Card
  • Purchase protection
  • 4 free months of Anghami Plus
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Extended warranty & purchase protection on purchases made on the card
  • Emergency medical & legal referral service
  • Mazaya offers

Reward Features

Earn upto 1.25% cashback per AED 1 on domestic spend  

Earn upto  2.25% cashback per AED 1 on international spend

Earn 10% cash back on fuel spends (max AED 100 p.m)

Earn 10% cash back on RTA transport payments (max AED 100 p.m)

Things To Be Aware Of

  • Bonus cashback categories have maximum caps
  • Need to call the bank to redeem cashback

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 500

  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • 1% unlimited cashback on all spends
  • Free roadside assistance service

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

  • 1% flat Cashback: anywhere – any time
  • Free roadside assistance
  • ADIB Travel Desk benefits
  • Withdraw 100% of your finance limit as cash
  • Free grace period up to 55 days to repay your outstanding balance
  • Four Free Supplementary cards
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

ADIB Rewards Program

1% flat Cashback: anywhere – any time

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 500

MINIMUM SALARY

AED 15,000

RATE

2.25%

ANNUAL FEE

AED 158

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Very Low Interest Rate ideal for Balance Transfers
  • Upto AED 150 cashback p.m. on ANY cinema spend in UAE
  • 1,000+ dining and lifestyle discounts via CBI Lifestyle app

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

  • Upto AED 150 cashback on cinema spends every month, any day, any cinema in Dubai and across UAE
  • 50% off cinema tickets at VOX Cinemas across UAE on Sundays (max of 10 free tickets per month)
  • Low reducing balance interest rate of just 2.25% per month
  • Access to over 200 airport restaurant offers globally
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 0% interest on balance transfers for the first 6 months. Best to save money!
  • Free supplementary CBI Visa Platinum Credit cards for family members
  • Cash transfer loan offers at 1% p.m. flat interest rate
  • 1,000+ dining and lifestyle discounts via the CBI Lifestyle app
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • 8% off bookings on hotels.com
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service offer
  • Purchase Protection
  • Extended ​Warranty

Things To Be Aware Of

  • 3 supplementary cards are free, AED 26.25 thereafter

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 840

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • 1st Year Annual Fee waived
  • Earn CBI Reward points from the first Dirham you spend

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

  • Earn CBI Reward points from the first Dirham you spend on your CBI Rewards World Mastercard
  • No rewards cap
  • Complimentary unlimited airport lounge access to 850+ airport lounges
  • Upto AED 150 cashback on cinema spend every month, any day, any cinema in Dubai and across UA
  • Exclusive dining and lifestyle discounts via CBI Lifestyle mobile app
  • 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)
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Balance transfer - 0% interest for 3 months
  • 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

Reward Features

Earn CBI Reward Points on all spends on your CBI Rewards World Mastercard Credit Card

  • Earn 2.5 reward points for every 1 AED of spend internationally
  • Earn 1.75 reward points for every 1 AED of spend in UAE when the transaction amount is over AED 2,000
  • Earn 1 reward point for every 1 AED of spend locally
  • You can redeem your reward points for free flights (including taxes), hotel stays, car rentals, cash vouchers, online shopping, utility bill payments or simply get cash back on your card. You can also donate your points to charity.

Things To Be Aware Of

  • 3 supplementary cards are free, AED 105 thereafter

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • 1,000+ dining and lifestyle discounts via the CBI Lifestyle

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

  • Upto AED 150 cashback on cinema spend every month, any day, any cinema in Dubai and across UAE
  • 1,000+ dining and lifestyle discounts via the CBI Lifestyle app
  • Complimentary airport lounge access to 25+ lounges in the Middle East & Levant
  • Exclusive Mastercard Priceless Arabia Offers
  • Free supplementary CBI Rewards Platinum Mastercard cards for family members
  • Up to 30% discounts at Cleartrip.ae
  • Avis Car rental discounts
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Exclusive MyUS.com offers
  • Reebonz online shopping privileges
  • Mastercard Buy 1 Get 1 free offers
  • Luxury service apartment and hotel offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn CBI Reward Points on all spends on your CBI Rewards Platinum Mastercard

  • Earn 1 reward point for every 1 AED of spend internationally
  • Earn 0.5 reward points for every 1 AED of spend locally
  • You can redeem your reward points for free flights (including taxes), hotel stays, car rentals, cash vouchers, online shopping, utility bill payments or simply get cash back on your card. You can also donate your points to charity.

Things To Be Aware Of

  • 3 supplementary cards are free, AED 26.25 thereafter

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • No Annual Fee
  • Upto AED 150 cashback p.m. on ANY cinema spend in UAE

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

  • No annual fee on your CBI Mastercard Titanium Credit Card
  • Upto AED 150 cashback every month, any day, any cinema in Dubai and across the UAE
  • 1,000+ dining and lifestyle discounts via the CBI Lifestyle app
  • Complimentary airport lounge access in the Middle East & Levant
  • 0% interest Easy Payment Plans at partner outlets
  • Upto AED 150 worth of cashback on cinema tickets across UAE
  • Free supplementary CBI Mastercard Titanium Credit Cards for family members
  • Cash transfer loans at 1% p.m. flat interest rate
  • Exclusive Mastercard Priceless Arabia Offers

Things To Be Aware Of

  • 3 supplementary cards are free, AED 26.25 thereafter

MINIMUM SALARY

AED 50,000

RATE

2.99%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Preferential interest rates and higher credit limits
  • Free travel and medical insurance
  • Shopping discounts at selected partners across the UAE

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

  • Earn CBI Reward points from the first Dirham you spend on your CBI Rewards World Mastercard
  • No rewards cap
  • Unlimited free access to over 650+ airport lounges worldwide
  • Upto AED 150 cashback on cinema spend every month, any day, any cinema in Dubai and across UAE
  • CBI Lifestyle - unique dining and entertainment discount program
  • Hertz Gold Plus Rewards Five Star membership
  • Balance transfer - 0% interest for 3 months
  • Discounted Fast Track travel visa services offer
  • Travel insurance confirmation letter
  • Travel inconvenience insurance
  • Travel emergency insurance cover up to US $500,000
  • Mastercard Buy 1 Get 1 free offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • 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
  • MyUS Online shopping benefits and offers
  • 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

Reward Features

Earn CBI Reward Points on all spends on your CBI Rewards World Mastercard:

 

  • Earn 2.5 reward points for every 1 AED of spend internationally
  • Earn 1.75 reward points for every 1 AED of spend in UAE when the transaction amount is over AED 2,000
  • Earn 1 reward point for every 1 AED of spend locally
  • You can redeem your reward points for free flights (including taxes), hotel stays, car rentals, cash vouchers, online shopping, utility bill payments or simply get cash back on your card. You can also donate your points to charity.

Things To Be Aware Of

  • 4th supplementary card onwards AED 105

MINIMUM SALARY

AED 20,000

RATE

3.69%

ANNUAL FEE

AED 750

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Complimentary ClassPass wellness app wth 200 fitness centers
  • Premium lifestyle & travel benefits
  • 20% off on Talabat food and grocery orders twice a month
  • Up to 20% discount across Emaar entertainment
  • 10% discount on Cleartrip and Booking.com

MINIMUM SALARY

AED 20,000

RATE

3.69%

ANNUAL FEE

AED 750

Non AED Transaction Fee

2.75%

Cash Advance Fee

3.00 % / Min 105

Joining Offers

Complimentary global flexible wellness membership with ClassPass app with access to over 200 fitness centers across UAE

 

Key Features

  • No annual fees for the first year on primary card
  • Attijari Points Rewards Program – earn up to 2.5 points for every AED spent
  • Complimentary access to Pharaoh's Wafi Club
  • Free valet parking 4 times per month in Dubai & Abu Dhabi
  • AED 140 worth of cashback on Vox at 50% discount. Roxy offer of 20% discount.
  • Unlimited access to 850+ airport lounges, worldwide
  • Luxury Serviced Apartments & Hotel Offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • 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
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Raffles, Fairmont and Swissotel Spa Offers
  • MyUS Online shopping benefits and offers
  • Mastercard Buy 1 Get 1 free offers
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features

Earn Reward Points

  • Earn CBD Reward Points
  • Earn 0.5 point per  AED of grocery purchases
  • Earn 0.5 points per 1 AED of government purchases
  • Earn 2 points per 1 AED for all other local purchases
  • Earn 2.5 points per 1 AED for all other international purchases
  • CBD Points can be redeemed for Emirates Skywards Miles, Etihad Guest Miles in the rate of 20 for 1 mile or for Cash Back.

Things To Be Aware Of

  • Min spend of AED 5,000 per month
  • Required for some benefits

MINIMUM SALARY

AED 12,000

RATE

3.45%

ANNUAL FEE

AED 525

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Welcome bonus of 30,000 CBD reward points
  • Premium lifestyle & travel benefits

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

  • 30,000 CBD Reward Points
  • Welcome Bonus is given provided the cardholder spends 2500 AED within 30 days from card issuance date.

Key Features

  • No annual fees for the first year on primary card
  • CBD Points Rewards Program – earn up to 2.5 points for every AED spent
  • Complimentary access to Pharaoh's Wafi Club
  • Free valet parking 2 times per month in Dubai & Abu Dhabi
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • 50% discount on VOX cinema tickets across the UAE
  • Unlimited access to 900+ airport lounges, worldwide
  • Multi-trip travel insurance cover up to US $500,000
  • 24 hour Visa Premium Concierge Service
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • Fraudulent card misuse protection
  • 8% off bookings on hotels.com
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service
  • Purchase Protection
  • Extended Warranty
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Screen reader support enabled.

Reward Features

Earn Reward Points

  • Earn CBD Reward Points
  • Earn 0.5 point per  AED of grocery purchases
  • Earn 0.5 points per 1 AED of government purchases
  • Earn 1.5 points per 1 AED for all other local purchases
  • Earn 2 points per 1 AED for all other international purchases
  • CBD Points can be redeemed for Emirates Skywards Miles, Etihad Guest Miles in the rate of 20 for 1 mile or for Cash Back.

Things To Be Aware Of

  • Min spend of AED 5,000 per month required for some benefits

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Free for life
  • Welcome bonus of 20,000 CBD reward points

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

  • No annual fees ever
  • CBD Points Rewards Program – earn up to 2 points for every AED spent 5
  • 0% discount on VOX cinema tickets across the UAE on Sundays
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • 8% off bookings on hotels.com
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service
  • Purchase Protection
  • Extended ​Warranty
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Thrice a month 20% discounts on Careem rides
  • Buy 1 Get 1 offers on leisure, entertainment, and more
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn Reward Points

  • Earn CBD Reward Points
  • Earn 0.5 point per  AED of grocery purchases
  • Earn 0.5 points per 1 AED of government purchases
  • Earn 1 points per 1 AED for all other local purchases
  • Earn 1.5 points per 1 AED for all other international purchases
  • CBD Points can be redeemed for Emirates Skywards Miles, Etihad Guest Miles in the rate of 20 for 1 mile or for Cash Back.

Things To Be Aware Of

  • Some categories of spend earn fewer points
  • Min. spend of AED 2500 in 30 days is req. for welcome bonus

MINIMUM SALARY

AED 20,000

RATE

3.45%

ANNUAL FEE

AED 787

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Welcome bonus of 60,000 CBD reward points
  • Premium lifestyle & travel benefits

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

  • No annual fees for the first year on primary card
  • CBD Points Rewards Program – earn up to 3 points for every AED spent
  • Complimentary access to Pharaoh's Wafi Club
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • AED 80 worth of cashback on Vox at 50% discount. Roxy offer of 20% discount.
  • Free valet parking 4 times per month in Dubai & Abu Dhabi
  • 50% discount on VOX cinema tickets across the UAE
  • Unlimited access to 900+ airport lounges, worldwide plus 1 guest
  • Multi-trip travel insurance cover up to US $1,000,000
  • 24 hour Visa Premium Concierge Service
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • Fraudulent card misuse protection
  • 8% off bookings on hotels.com
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service
  • Purchase Protection
  • Extended Warranty
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Screen reader support enabled.

Reward Features

Earn Reward Points

  • Earn CBD Reward Points
  • Earn 0.5 point per  AED of grocery purchases
  • Earn 0.5 points per 1 AED of government purchases
  • Earn 2.5 points per 1 AED for all other local purchases
  • Earn 3 points per 1 AED for all other international purchases
  • CBD Points can be redeemed for Emirates Skywards Miles, Etihad Guest Miles in the rate of 20 for 1 mile or for Cash Back.

Things To Be Aware Of

  • Min spend of AED 5,000 per month
  • Required for some benefits

MINIMUM SALARY

AED 8,000

RATE

3.69%

ANNUAL FEE

AED 400

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Earn up to 10% cashback on specific categories
  • Complimentary global airport lounge access with Lounge Key
  • Upto 5 free supplementary credit cards

MINIMUM SALARY

AED 8,000

RATE

3.69%

ANNUAL FEE

AED 400

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

  • Earn up to 10% cashback on key shopping categories including supermarket, fuel, education, utility bills and more
  • No annual fee for the first year
  • Enjoy 50% off all week long across VOX and Reel Cinemas movie tickets across UAE plus 20% off on F&B across all Reel Cinemas
  • Free Valtrans valet parking 2 times per month at over 15 locations like City Walk, Dubai International Airport, YAS Waterworld, Ferrari World and many more locations.
  • 8 Complimentary visits a year. Access to 1000+ VIP airport lounges for cardholder plus a guest
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • 12 months complimentary extended warranty on your electronic purchases
  • Visa Luxury Hotel collection offers
  • 24-hour personalised premium concierge service
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)

Reward Features

Earn up to 10% Cashback on your monthly spends with CBD's Super Saver Cashback Credit Card with the maximum of up to AED 600 per month

• Up to 10% Cashback on Supermarket spends
• Up to 10% Cashback on Education (School, College, University Fees)
• Up to 10% Cashback on Utility bill payments
• Up to 10% Cashback on Transport (Fuel)

Track your Cashback in realtime through CBD App and redeem it instantly as Cashback

Earn up to 10% CASHBACK on the following everyday retail spend categories, capped at AED 200 per category, per month. A minimum monthly total spend of AED 3,000 across all categories is required to start earning cashback.       

  • Bills (e.g. Telecomm Bills, Utilities Bills and Government-Linked Payments)
  • Education (e.g. Schools, and Colleges/Universities in the UAE and abroad)
  • Supermarket (e.g. Grocery Stores)
  • Transport (e.g. Fuel )

Earn up to 1% Cashback on every AED 2 on all other spends, with no caps.

Things To Be Aware Of

  • Min. spend of AED 3,000 req. to earn cashback
  • Max cashback per month is AED 200 per ctgry and 600 a month
  • Min spend of AED 5000 on primary card for movies offer

MINIMUM SALARY

AED 12,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • 50,000 Bouns Smile Points
  • Premium lifestyle & travel benefits
  • Valet parking & cinema offers

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:

  • 50,000 Smiles points as Welcome Bonus
  • 15,000 Smiles points as Quarterly Bonus
  • (Quarterly Bonus will be subject to achieving a minimum spend target of USD 15,000 or AED equivalent)

Key Features

  • Earn Smiles points Up to 4
  • Redeem Smiles points seamlessly via the Smiles UAE mobile app across various categories
  • free VOX cinema tickets per month (min spend of AED 5,000 p.m)
  • Up to 3 free valet parking at over 30 locations across 5 cities in UAE
  • Complimentary access to 1000+ VIP airport lounges for cardholder plus a guest
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • 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
  • 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 Smiles points:

  • 10 Smiles points on Etisalat spends or through the Smiles UAE mobile app
  • Up to 3 Smiles points on International spends
  • Up to 2 Smiles points on Domestic spends

Things To Be Aware Of

  • Min. spend of USD 15,000 is req. for quarterly bonus
  • Min. retail spend of AED 5,000 req. to avail VOX offer

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn 1 reward point for 1 AED you spend on your card domestically
  • Earn 2 reward points on every 1 AED spent internationally
  • Redeem points earned for free flights, shopping vouchers and Club Apparel gift cards
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Enjoy up to 25% discount on select dining outlets across the UAE.
  • Advanced Chip&Pin technology making purchases and withdrawing cash secure
  • Withdraw 100% of your finance limit as cash
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Buy 1 Get 1 at Vox on Standard tickets on Sundays and 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy

Reward Features

ADIB Rewards Program

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Earn ThankYou Reward points on all spends
  • VoucherSkout-Signup offer
  • Unlimited global airport lounge access to 1000+ lounges
  • Flat 30% off 2 movie tickets at VOX Cinemas every month

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

No annual fee in year 1. From  year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply


Key Features

  • Earn up to 1.5 Thank You points per USD & convert your spend into cash rebate or shopping vouchers
  • No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery & food delivery, dining, cinemas, golf, spas and theme parks!
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • Unlimited access to 1000+ LoungeKey lounges worldwide
  • Fast, safe and effortless purchases, with Apple Pay
  • Pay with points for your purchases via SMS or online
  • Quick Cash: instant cash at a click of a button
  • PayLite: turn any big purchases into small payments
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn Citi ThankYou® Points

  • Earn 1.5 ThankYou Points for any USD 1 spent on non AED spend
  • Earn 1 ThankYou Points for any USD 1 spent on all other AED spend

With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences 

  • Choose from merchandise ranging from apparel to electronics to home goods and more
  • Pay with Points for your purchases through SMS or Citibank Online

Things To Be Aware Of

  • 2nd year Annual Fee of AED 300 if annual spend < AED 9,000

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1,250

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

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1,250

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

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

Reward Features

Rotana Rewards Exclusive Program

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 15,000

RATE

3.09%

ANNUAL FEE

AED 1,199

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • 100,000 welcome Etis