Best Credit Card In UAE
+971

MINIMUM SALARY

AED 12,000

RATE

3.39%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • No annual membership fee
  • Get EI Smart Miles worth up to AED 750*
  • Get 50% discount on Talabat food order.
  • Enjoy complimentary valet parking at Dubai Mall

MINIMUM SALARY

AED 12,000

RATE

3.39%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Get EI Smart Miles worth up to AED 750, offer valid until 14 August 2024.

If the customer makes retail spends of AED 30,000 or more within 60 days of card issuance, then 75,000 Welcome Bonus EI SmartMiles worth AED 750 will be awarded.Exclusively for UAE national.

This Offer is a limited period offer valid for Emarati cards sourced from 15 May 2024 to 14 August 2024 and approved (Disbursed) latest by 30 August 2024.

This Offer is valid for New to Bank customers only. Existing EI Cardholders are not eligible for this Offer. This Offer is not applicable for customers who have closed their EI Credit Card in last 6 months.

If the customer makes retail spends of AED 30,000 or more within 60 days of card issuance, then 75,000 Welcome Bonus EI SmartMiles worth AED 750 will be awarded.

If the customer makes retail spends of minimum AED 15,000 up to AED 29,999 within 60 days of card issuance, then 50,000 Welcome Bonus EI SmartMiles worth AED 500 will be awarded.

For customer making retail spends of less than AED 15,000 within 60 days of card issuance, will not be eligible for any Welcome Bonus EI SmartMiles.

Welcome Bonus of AED 750 will be credited as 75,000 EI SmartMiles or Welcome Bonus of AED 500 will be credited as 50,000 EI SmartMiles to the Applicant’s EI SmartMiles Account based on above stated spend requirement by 31 October 2024, as part of the Campaign.

If spend criteria is not met within 60 days of card issuance, customer will not be eligible for the Welcome Bonus.

Key Features

  • Welcome bonus up to 75,000 EI SmartMiles*.
  • Exclusive for UAE nationals.
  • No Annual Membership Fee.
  • Earn up to 3.75 EI SmartMiles per AED 1 spent.
  • "Instant Purchase" feature to redeem your EI SmartMiles against any purchase at any merchant.
  • 50% discount on talabat food orders.
  • Up to 50% discount on padel games.
  • Buy 1 Get 1 complimentary movie ticket at Roxy Cinemas.
  • Complimentary valet parking at The Dubai Mall, Mall of the Emirates and more.
  • Complimentary Access to Dubai Ladies Club & Sharjah Ladies Club.
  • Choice to exchange EI SmartMiles with Upoints By Emaar, Emirates Skywards, Etihad Guest.
  • Complimentary airport lounge access.

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 15,000

RATE

3.49%

ANNUAL FEE

AED 1500

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn up to 175000 bonus miles
  • Fast-Track update to Etihad Guest Gold Tier Status
  • 50% Etihad Guest Miles Back
  • Up to 3.5 Etihad Guest Miles per USD spent
  • Complimentary Airport Transfers & lounge access

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / or AED 103

Joining Offers

Earn up to 175,000 miles.
40,000 Bonus miles upon payment of Annual Membership Fee of AED 1,500 & Joining Fee of AED 500.             
85,000 miles on a cumulative Retail Spend or AED 90,000(Within the first 6 months)
50,000 miles on a cumulative Fx Spends of AED 15,000 (Within the first 6 months)

Key Features

  • Fast-Track to Etihad Guest Gold Tier Status
  • Unlimited 50% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • 4 Complimentary Inflight wifi vouchers every membership year
  • Up to 4 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
  • 0% Easy Payment Plan on Etihad purchases
  • Enjoy unlimited complimentary access to over 1000 airport lounges with a guest
  • 50% cashback on Cinema tickets, any day of the week. The maximum cashback a cardholder can earn is AED 100 per month.
  • Enjoy unlimited complimentary golf rounds at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays.
  • Enjoy 2 complimentary valet parking services per month at select locations across the UAE.
  • Covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. Visit to get you travel insurance certificate
  • Enjoy a coverage of USD 7,500 per occurrence & USD 20,000 per year. For further assistance, please call one of the numbers
  • VISA International to bring you exclusive discounts and special offers. Your Etihad Guest Visa Infinite Credit Card privileges connect you to a world of even changing luxury
  • Use your Emirates Islamic Etihad Guest Visa Infinite card to pay for your purchases to get Extended Warranty.
  • Now you can really save big time with your Etihad Guest Visa Infinite Credit Card balance transfer facility.
  • Take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.

Reward Features

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

3.5 Etihad Guest miles on spend at Etihad Airlines
3 Etihad Guest miles on International spend
2.5 Etihad Guest miles on two chosen Categories
Upto 2 Etihad Guest miles on domestic spend

Emirates Islamic Etihad Guest Premium card gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same. 

You will earn 2.5 Etihad Guest Miles for every USD 1 spend on the chosen categories. The Etihad Guest Mile earning on the 2 chosen categories is capped at 1,500 Miles per category per month.

You also have the option to change your chosen categories every quarter by calling our call center.

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 20,000 Tier Miles can be earned in a membership year.

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 899

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn up to 125,000 bonus miles
  • Fast-Track Etihad Guest Silver Tier Status
  • Choice of two category spends to earn more miles
  • 20% miles back on flight redemptions & upgrades
  • Up to 3 Etihad Guest Miles per USD spent

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 899

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / or AED 103

Joining Offers

Earn up to 125,000 miles.
30,000 Bonus miles upon payment of Annual Membership Fee of AED 899 & Joining Fee of AED 300.     
65,000 miles on a cumulative Retail Spend or AED 50,000(Within the first 6 months)
30,000 miles on a cumulative Fx Spends of AED 10,000 (Within the first 6 months)

Key Features

  • Fast-Track to Etihad Guest Silver Tier Status
  • Unlimited 20% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • Enjoy 2 complimentary wifi vouchers every membership year.
  • Take advantage of up to 2 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
  • Enjoy unlimited complimentary access to over 1000 airport lounges.
  • Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week. Maximum cashback is AED 75 per month
  • Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays. A retail spend of AED 5000 is required
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE. A retail spend of AED 3,000 is required on your card to avail the benefit.
  • Multi trip travel Insurance
  • Purchase protection provides you with additional peace of mind every time you make a purchase
  • Extended Warranty up to one year from the expiry date of the original warranty.
  • No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.
  • Global Concierge: take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online, 24 hours a day

Reward Features

3 Etihad Guest miles at Etihad Airline spend
2 Etihad Guest miles at international spend
2.5 Etihad Guest miles at two chosen categories
Upto 1.5  Etihad Guest miles at domestic spend

Emirates Islamic Etihad Guest Saqer card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same.

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 15,000 Tier Miles can be earned in a membership year.

Things To Be Aware Of

  • This card joining offer is only for UAE Nationals

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4200

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Earn upto 100,000 bonus Emirates Skywards Miles
  • Fast-Track update to Emirates Skywards Gold tier Status
  • Complimentary Airport Transfers and Lounge access
  • Emirates Skywards Gold Tier for supplementary as well

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4,200

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 103.95

Joining Offers

Earn upto 100,000 bonus skywards miles!

Welcome Miles Bonus Category: 35,000 skywards miles
Fast Track to Gold tier Membership Option: Upon payment of the Annual Membership Fee of AED 4,000 and joining fee of AED 1,000.
(or)
Without fast track to Gold tier membership Option: Upon payment of the Annual Membership fee of AED 2,000 and the joining fee of AED 1,000.
2) Cumulative retail spend of AED 120,000 within 3 months: 40,000 skywards miles
3) Cumulative Foreign currency spend of AED 50,000 within 6 months : 25,000 skywards miles

Key Features

  • As an Emirates Islamic Skywards Black Credit Cardholder, you can fast track to Skywards Gold Tier status with a complimentary Emirates Skywards Silver Tier Membership for primary and one supplementary card holder
  • Take advantage of up to 4 complimentary airport transfers per calendar year to or from Dubai airport.
  • Enjoy unlimited complimentary access for the cardholder plus a guest to over 1000 airport lounges
  • Enjoy 3 complimentary valet parking services per month at select locations across the UAE
  • Enjoy up to 2 complimentary Marhaba Meet & Greet Silver services per year
  • Enjoy unlimited rounds of complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Black Credit Card
  • Avail Cash on Call facility of up to 80% of your available credit limit
  • Get access to all exclusive Visa Infinite benefits

Reward Features

Earn up to 3.5 Miles per USD 1 equivalent retail spends as per below rates

- 3.5 Skywards Miles at Emirates Airlines
- 2 skywards miles on international spend
- 1.5 skywards miles on domestic spend

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2100

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn upto 90,000 bonus skywards miles
  • Fast-Track update to Emirates Skywards Silver Tier Status
  • Up to 2 Skywards Miles per USD equivalent spent

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2,100

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

1) Welcome Miles Bonus Category: 40,000 skywards miles
Upon payment of the Annual Membership fee of AED 999 and the joining fee of AED 1,000.

2) Cumulative retail spends (within 6 months): 35,000 skywards miles
Spend a minimum of AED 75,000  within 6 months

3) Spend with Emirates Airlines (within 6 months) : 15,000 skywards miles
Spend a minimum of AED 20,000 withing 6 months

Overall an ability to earn upto 90,000 bonus skywards miles!

Key Features

  • Enjoy unlimited complimentary access to over 1000 airport lounges for cardholder and a guest
  • Up to 3 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Enjoy 2 complimentary valet parking services per month at select locations across the UAE
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy unlimited complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Infinite Credit Card
  • Avail Cash on Call facility of up to 80% of your available credit limit.
  • Get access to all exclusive Visa Infinite benefits

Reward Features

Earn up to 2 Miles per USD 1 equivalent retail spends as per below rates

- 2 Skywards Miles at Emirates Airlines
- 1.5 Skywards Miles on international spend
- 1 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn upto 60,000 bonus skywards miles
  • Complimentary Airport Lounge access
  • Complimentary Cinema tickets, Golf rounds & Valet Parking
  • Up to 1.5 Skywards Miles per USD equivalent spent

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

1) Welcome Miles Bonus Category: 30,000 skywards miles
Upon payment of the Annual Membership Fee of AED 700 and joining fee of AED 550.

2) Cummulative retail spends ( within 6 months): 20,000 skywards miles

Spend a minimum of AED 30,000  within 6 months

3) Spend with Emirates Airlines ( within 6 months) : 10,000 skywards miles
Spend a minimum of AED 10,000 withing 6 months

Overall an ability to earn upto 60,000 bonus skywards miles!

Key Features

  • Up to 2 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Enjoy unlimited complimentary access to over 1000 airport lounges
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE.
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy two rounds of complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Signature Credit Card
  • Avail Cash on Call facility of up to 80% of your available credit limit
  • Get access to exclusive Visa Signature benefits

Reward Features

Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table

  • 1.5 Skywards Miles at Emirates Airlines
  • 1.1 Skywards Miles on international spend
  • 0.75 Skywards Miles on domestic spend

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 10,000

RATE

3.69%

ANNUAL FEE

AED 314

  • Golf offers
  • Valet Parking
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Up to 8% cashback on your spends
  • Unlimited complimentary access to over 1000+ airport lounges
  • Switch between Lifestyle or Travel category any month
  • Two rounds of complimentary golf per month

MINIMUM SALARY

AED 10,000

RATE

3.69%

ANNUAL FEE

AED 314

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / AED 131.25

Joining Offers

The Switch Cashback Card comes without an Annual Membership fee for the first year with the fee being applicable in the subsequent years. To qualify for the annual fee waiver for the subsequent years, a minimum spend of AED 30,000.00 is required per year on the Switch Cashback Credit Card (T&Cs apply).


Key Features

  • Enjoy up to 2 "Buy 1 Get 1" complimentary movie tickets each month, any day of the week. A minimum monthly (calendar month) retail spend of AED 3,000 is required on your card to avail the benefit.
  • You and your supplementary cardholders can enjoy unlimited access to over 1000 airport lounges worldwide.
  • Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Abu Dhabi Golf Club on weekends or weekdays, subject to availability. A minimum monthly (calendar month) retail
  • spend of AED 5,000 is required on your card to avail the benefit.
  • Enjoy 20% discount on the below Emaar Entertainment Attractions.
  • Automatically double the original manufacturer's warranty up to one year from the expiry date of the original warranty.
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year. A minimum monthly (calendar month) retail spend of AED 3,000 is required on your card to avail the benefit.
  • Purchase protection provides you with additional peace of mind every time you make a purchase.
  • Enjoy unsurpassed value at over 900 intriguing and prestigious properties around the world with your Emirates Islamic Switch Cashback Credit Card.
  • Travel with complete freedom and peace of mind. Your Switch Cashback Credit Card saves you the time and expense of organizing travel and medical insurance separately when you travel.
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE. All you have to do is present your Emirates Islamic Switch Cashback Credit Card at the valet parking desk. A minimum monthly (calendar month) retail spend of AED
  • 3,000 is required on your card to avail the benefit.
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.

Reward Features

Lifestyle

Merchant Category Cashback % Monthly Cap (in AED)
Supermarket (Domestic) 4% 200
Dining 4% 200
Fuel (Domestic) 8% 100
Education 4% 200
Telecom, Utilities, Real Estate & Govt. Spends 0.5% No Cap
Other spends 1% No Cap


Travel

Merchant Category Cashback % Monthly Cap (in AED)
Airlines 4% 200
Hotels 4% 200
Dining 4% 200
Telecom, Utilities, Real Estate & Govt. Spends 0.5% No Cap
Other spends 1% No Cap


On the Emirates Islamic Switch Cashback Credit Card, the Cashback calculated for the month are for all based on transactions posted in the calendar month based on the category chosen by the customer, Lifestyle or Travel. This means the Cashback earned will only be accrued for transactions billed within the calendar month subject to a minimum spend of AED 2,500.To redeem your accrued cashback as a statement credit, you must have a minimum of AED 300 worth of Cashback in your Cashback wallet.

Things To Be Aware Of

  • A minimum spend of AED 2,500 required for earning cashback

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