Best Credit Card In UAE
+971

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Valet Parking
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Contactless Tech
  • Free for life credit card
  • Complimentary 1-year Zomato Gold membership
  • Earn upto 10% cash up on specific categories
  • Complimentary Valtrans valet parking service

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Free for life card.

Key Features

  • Earn up to 10% on department store shopping including ready-to-wear apparel, fashion accessories, sportswear etc.
  • Up to 3% unlimited Cash Up on utilities
  • 1% cash up on all other retail spends
  • Earn up to 5% on entertainment like tourist attractions, kids entertainment, dining etc.
  • 4 Complimentary Valet parking services every month across UAE
  • Free for Life
  • Free Zomato Gold Membership
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Discounts on dining, leisure and more with the Deem Offers app
  • Complimentary airport lounge access in 25+ lounges across the Middle East
  • 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
  • Up to 15% on Avis car rentals worldwide
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn Cash up: 

  • Upto 10% unlimited Cash Up at supermarkets 
  • 5% unlimited Cash Up on online shopping
  • 5% unlimited Cash Up on online food delivery
  • 1% unlimited Cash Up on all other retail spends


Spend & Cash Up Tiers:

Dept Sores

  • 0-499            - 1%
  • 500-999         - 2%
  • 1000-1999     -  5%
  • Above 2000    - 10%

Online shopping

  • 0-499              - 1%
  • 500-999          - 2%
  • Above 1000     -  5%

Entertainment

  • 0-499              - 1%
  • 500-999          - 2%
  • Above 1000     -  5%

All other Retail Purchses:  1%

Things To Be Aware Of

  • Minimum monthly spend of AED 1,500 to earn cash up
  • Cash up tiers have minimum monthly spend criteria

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 315

  • Valet Parking
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Contactless Tech
  • Free for life credit card
  • Complimentary Valtrans valet parking service
  • Earn up to 3x Miles on airline, hotel and department stores
  • Complimentary ZOMATO GOLD membership valid for one year

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 315

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Free for life credit card.

Key Features

  • Earn up to 3x Miles Up rewards on airline tickets and hotel reservations
  • Earn up to 3x Miles Up rewards on department store shopping including ready-to-wear apparel, fashion accessories, sportswear etc.
  • 3x on shopping in stores as well as online shopping, worldwide
  • 1x on all retail spends worldwide
  • Complimentary Zomato Gold membership
  • Free 2-year premium MyUS membership
  • 4 Complimentary Valet parking services every month across UAE
  • Complimentary airport lounge access in 25+ lounges across the Middle East
  • 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
  • Up to 15% on Avis car rentals worldwide
  • Deem Double Secure protection which not only covers the credit card outstanding but also provides a nominee payout of equal amount

Reward Features

Earn Miles Up:

  • 3x Mies up on airline tickets purchased worldwide
  • 3x Mies up on hotel reservations
  • 3x Mies up on department store shopping as well as ready-to-wear apparel, fashion accessories, sportswear, footwear, handbags, cosmetics & perfumes
  • 1x Mies up on all retail spends worldwide

Payments towards utility bills, fuel, transport and government services are excluded from Miles Up accrual The minimum monthly retail spends required to start earning Miles Up is AED 1500.

The Customer must have 10,000 Miles Up to be able to redeem their Miles Up for Rewards on the Rewards portal.

Option of redeeming Miles Up against flights or hotel bookings, buying electronics or against gift vouchers listed on the Deem rewards online portal.

Things To Be Aware Of

  • Min of AED 3000 spend to avail Valet parking services
  • Miles Up tiers have minimum monthly spend criteria

MINIMUM SALARY

AED 25,000

RATE

2.99%

ANNUAL FEE

AED 525

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Contactless Tech
  • Earn upto 10% cash up on specific categories
  • Complimentary 1-year Zomato Gold membership
  • Access to 1100+ airport lounges across the world
  • No minimum spend required to earn Cash Up

MINIMUM SALARY

AED 25,000

RATE

2.99%

ANNUAL FEE

AED 525

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / AED 105

Key Features

  • Earn up to 10% cashback on airline spends including through travel agents
  • Earn up to 5% cashback on hotel spends
  • Earn up to 5% on all spends relating to entertainment
  • 1% Cash Up on all other retail spends worldwide
  • Complimentary 1-year Zomato Gold membership
  • Complimentary lounge access for yourself and a guest to 1,100+ airport lounges globally
  • Complimentary valet parking at multiple locations in Dubai and Abu Dhabi up to 6 times per month
  • Travel accident & medical cover up to USD 500,000
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Marriott Bonvoy hotel offers
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • 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
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Enjoy attractive deals and discounts with the Deem Offers app
  • Exclusive Avis & Hertz Car rental offers
  • Luxury Serviced Apartment discounts

Reward Features

Earn Cash Up on all spends:

  • Up to 10%  Cash Up on airline tickets purchases
  • Up to 5%  Cash Up on hotel reservations
  • Up to 5% Cash Up on entertainment spends
  • 1% Cash Up on all other retail spends worldwide
  • Cash Up Earn Rate is 0.50% for spends on Fuel, Transport, Utility Bills, Government Services

Spend & Cash Up Tiers:

Airlines:

  • 1000- 4999     -  5%
  • Above 5000   - 10%

Hotel:

  • 1000- 2999     -  3%
  • Above 3000   -   5%

Entertainment:

  • More than 100 - 5%

Things To Be Aware Of

  • Cash up rewards have tiers for each category
  • Monthly spends of min. AED 6000 req. to avail Valet Parking

MINIMUM SALARY

AED 25,000

RATE

2.99%

ANNUAL FEE

AED 525

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Complimentary ZOMATO GOLD membership valid for one year
  • 6 complimentary standard valet parking services each month
  • Access to 1100+ airport lounges across the world

MINIMUM SALARY

AED 25,000

RATE

2.99%

ANNUAL FEE

AED 525

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / AED 105

Key Features

  • Earn 5x miles on all airlines spends including through travel agents, worldwide
  • Earn 5x miles on hotel reservations booked through hotels or hotel booking websites
  • Earn 5x miles on all international spends in foreign currencies
  • 1.5x on local spends made in AED currency
  • Complimentary Zomato Gold Membership
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Complimentary lounge access for yourself and a guest to 1,100+ airport lounges globally
  • Complimentary valet parking at multiple locations in Dubai and Abu Dhabi up to 6 times per month
  • Travel accident & medical cover up to USD 500,000
  • Marriott Bonvoy hotel offers
  • MyUS Premium Shipping Discounts
  • Exclusive Avis & Hertz Car rental offers
  • Luxury Serviced Apartment discounts

Reward Features

Earn Miles Up rewards on all spends:

  • 5x on airline tickets purchased through airlines and travel agencies at their offices or websites, worldwide
  • 5x on hotel reservations booked through hotels or their websites, and hotel booking websites, worldwide
  • 5x on international spends made in foreign currencies
  • 1.5x on local spends made in AED currency

Payments towards utility bills, fuel, transport and government services are excluded from Miles Up accrual.
The minimum monthly retail spends required to start earning Miles Up is AED 2000.
The maximum Miles Up that the Customer can earn per billing cycle for all retail spend is 150,000 Miles Up.
The Customer must have 10,000 Miles Up to be able to redeem their Miles Up.

Customers have the option of redeeming their Miles Up against flights or hotel bookings, buying electronics or against gift vouchers listed on the Deem rewards online portal.

Things To Be Aware Of

  • Minimum monthly spend of AED 2,000 required to earn miles
  • Max. miles up that can be earned/billing cycle is 150,000