Best Credit Card In UAE
+971

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • No caps, no minimum spend, no redemption process & no spend
  • 3% on non AED spend | 2% on Grocery Spend | 1% on all Other
  • Unlimited access to 1000+ lounges worldwide
  • No Annual Membership fee in year 1
  • Get 15% off at Carrefour, 10% off at Amazon.ae

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.90%

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

  • 3% cashback on non-AED spend, 2% cashback on Grocery Spend and 1% cashback on all other Spend
  • Automatic cashback on all spend
  • No caps (up to the credit limit each month), no minimum spend, no redemption process and no spend categories excluded
  • 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
  • 2 complimentary airport rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app.
  • Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • PayLite: turn any big purchases into small payments
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Unlimited, Automatic Cashback on all Spend

 

3% cashback on all non-AED spend

2% cashback on all grocery/supermarket spend

1% on all other spend

 

No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded.

Things To Be Aware Of

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

on Citibank site

MINIMUM SALARY

AED 12,000

RATE

3.5%

ANNUAL FEE

AED 400

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Earn up to 1 Skywards Mile per USD spent
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • Unlimited free lounge access for supplementary holders too
  • No annual fee in Year 1

MINIMUM SALARY

AED 12,000

RATE

3.5%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1 Skywards Miles per USD and redeem them on Emirates or Flydubai Reward flights and upgrades
  • No annual fee for the first year
  • 2 complimentary airport rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app.”
  • Flat 30% off 2 movie tickets at VOX cinemas
  • Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay & Google Pay
  • PayLite: turn any big purchases into small payments
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary Travel Insurance
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

 

Earn 1 Skywards Mile per USD on non AED spend and 0.75 Skywards Miles per USD on AED spend. 

Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai

Things To Be Aware Of

  • Annual fee of AED 400 from year 2 onwards
Apply Now

on Citibank site

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 750

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Complimentary Movies and Golf Offers
  • Flat 30% off 4 movie tickets at VOX Cinemas every month

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 750

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply for a Citi Premier Credit Card and get up AED 350 welcome offer as a statement credit.

Citibank Terms & Conditions apply.

Key Features

  • Redeem points for cash rebates, staycation bookings, merchandise or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways.
  • 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.
  • Flat 30% off 4 movie tickets at VOX cinemas
  • Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
  • Complimentary golf once a month at some of the best golf courses in the UAE
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Complimentary Travel Insurance and Purchase Protection
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport
  • Citibank World Privileges, Free Citibank Alerting service and much more

Reward Features

Earn 3 ThankYou(R) Points per USD on all dining & fuel spend, Earn 2 ThankYou® Points per USD on non-AED spend spent and 1.5 ThankYou® Points per USD on local (AED) spend

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

- Transfer your ThankYou® Points to 12 airline and hotel partners for flights and hotel stays

- Redeem points for cash rebates or shopping vouchers

AED 500 can be offset with 15,000 ThankYou® Points  for any  travel-related purchase,  No limitation

Apply Now

on Citibank site

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Earn ThankYou Reward points on all spends
  • Unlimited global airport lounge access to 1000+ lounges
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • No annual fee in year 1

MINIMUM SALARY

AED 8,000

RATE

3.5%

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
  • 2 complimentary airport rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app.”
  • Flat 30% off 2 movie tickets at VOX cinemas
  • Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • 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 1.5 ThankYou® Points per USD on all grocery & non-AED spend and 1 ThankYou® Point per USD of AED spend

 

With your ThankYou® Points you have the flexibility to redeem for cash rebates,  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

Apply Now

on Citibank site

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Easy Installment Plan
  • Cash Loan
  • No Cash Advance, Late or Overlimit fee
  • Free for life

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min AED 99

Key Features

  • No annual fee, late payment fee, cash advance fee or overlimit fee- ever
  • Access to select airport lounges across the Middle East with MasterCard Travel Pass app
  • 20% instant discount (up to AED 14) on grocery and food orders twice a month on the Talabat app. Use promo code “MASTERCARD” at checkout.
  • PayLite: turn any big purchases into small payments
  • Complimentary supplementary cards for your family members

Reward Features

The Citi Simplicity card does not include any sort of rewards program. While it is certainly a great option for paying down debt.

Things To Be Aware Of

  • There are no rewards or cashbacks on this card
Apply Now

on Citibank site