Best Credit Card In UAE
+971
Citibank Cashback Credit Card Offers

MINIMUM SALARY

AED 12,000

RATE

2.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Amazon gift card worth AED 1000 as joining offer
  • Free for life credit card
  • Designed exclusively for UAE nationals

MINIMUM SALARY

AED 12,000

RATE

2.49%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Emarati Credit Cards will be eligible for AED 1,000 Amazon.ae Gift Card and a minimum retail purchase of AED 10,000 in 90 days of card issuance is required to get this AED 1,000 Amazon.ae Gift Card. These spends can include any retail spends.


Key Features

  • Exchange EI SmartMiles with Etihad Guest Miles
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Complimentary movie offer. Enjoy up to 2 “Buy 1 Get 1” complimentary movie tickets each month, any day of the week
  • Emirates Islamic Emarati Credit card is Free for life
  • Preferential pricing
  • Complimentary unlimited access to over 1000 airport lounges worldwide
  • Free valet parking up to 2 times per month in UAE
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
  • “Instant Purchase" - shop with EI SmartMiles anytime, anywhere
  • Miles Exchange with frequent flyer programmes Etihad Guest and JetPrivilege
  • A wide range of shopping options with online market place
  • Visa Luxury Hotel collection offers
  • Mazaya offersVisa PayWave - new, convenient, faster and safer way to pay

Reward Features

Earn EI SmartMiles on your Emirates Islamic Emarati Credit Card
Earn unlimited miles and redeem with no blackout dates: 

  • Earn 2.5 EI SmartMiles per AED 1 of domestic spend
  • Earn 3.75 EI SmartMiles per AED 1 of international spend
  • Govt services including utility & mobile bills earn 0.5 EI SMartMiles per AED 1 of spend

Things To Be Aware Of

  • This card is exclusively for UAE nationals

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Amazon gift card worth AED 500 as joining offer
  • Free for life
  • Unlimited EI SmartMiles

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

Emirates Islamic Platinum Credit Cards will be eligible for AED 500 Amazon.ae Gift Card and a minimum retail purchase of AED 5,000 in 90 days of card issuance is required to get the AED 500 Amazon.ae Gift Card. These spends can include any retail spends.


Key Features

  • Welcome bonus Amazon voucher AED 500
  • Access to over 200 airport restaurant offers globally
  • Earn EI SmartMiles on all spends - domestic & international
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
  • “Instant Purchase" - shop with EI SmartMiles anytime, anywhere
  • Miles Exchange with frequent flyer programmes with Emirates Skywards, Etihad Guest, and InterMiles
  • A wide range of shopping options with online market place
  • 8% discount on hotel bookings made at Hotels.com
  • Visa Luxury Hotel collection offers
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Mazaya offers
  • Purchase protection
  • Extended warranty & purchase protection on purchases made on the card
  • Visa PayWave - new, convenient, faster and safer way to pay
  • 4 free months of Anghami Plus

Reward Features

Earn EI SmartMiles
Earn unlimited miles and redeem with no blackout dates:

  • Earn 1.25 EI SmartMiles per AED 1 on domestic spend.
  • Earn 2.25 EI SmartMiles per AED 1 on international spend.

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 700

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Amazon gift card worth AED 1000 as joining offer
  • Get up to 3.75% back per AED (in form of SmartMiles)
  • Complimentary unlimited access to 1000 lounges worldwide
  • Free Valet Parking
  • Extensive premium lifestyle & travel benefits

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Joining Offers

Apply now for an Emirates Islamic Credit Card and get up to AED 1,000 Amazon.ae Gift Card.a minimum retail purchase of AED 10,000 in 90 days of card issuance is required to get this AED 1,000 Amazon.ae Gift Card. These spends can include any retail spends.


Key Features

  • Emirates Islamic Infinite & Emarati Credit Cards will be eligible for AED 1,000
  • Amazon.ae Gift Card and a minimum retail purchase of AED 10,000 in 90 days of card issuance is required to get this AED 1,000 Amazon.ae Gift Card. These spends can include any retail spends.
  • Earn EI SmartMiles on all spends - domestic & international
  • Complimentary access to 1000+ lounges globally for the cardholder Plus a guest (via Loungekey)
  • 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
  • “Instant Purchase" - shop with EI SmartMiles anytime, anywhere
  • Miles Exchange with frequent flyer programmes with Emirates Skywards, Etihad Guest, and InterMiles
  • A wide range of shopping options with online market place
  • Unlimited Complimentary Golf at Arabian Ranches and Track Meydan Clubs. Discounts at 14 clubs in UAE and Muscat
  • 24-hour personalised premium concierge service
  • Free Valet parking up to 2 times per month
  • Visa Luxury Hotel collection offers
  • DragonPass 'Dine & Fly' airport dining program
  • Mazaya offers
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • 8% discount on hotel bookings made at Hotels.com
  • Visa PayWave - new, convenient, faster and safer way to pay
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn EI SmartMiles

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

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

 

You can redeem your EI SmartMiles

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

6,500 EI SmartMiles = 1,000 Upoints By Emaar
7,500 EI SmartMiles = 5,000 Etisalat Smiles

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

10,000 EI SmartMiles= 2,500 Etihad Miles

20,000 EI SmartMiles = 4,000 InterMiles

10,000 EI SmartMiles= 1,750 Avios

 

Miles will be transferred within 5 working days

Things To Be Aware Of

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

MINIMUM SALARY

AED 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