Best Credit Card In UAE
+971

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 2625

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Joining Bonus of 12,000 Etihad Guest Miles
  • Monthly Bonus of 1000 Etihad Guest Miles
  • 30% off at over 1,400 restaurants in the UAE
  • Benefits at Ferrari World & Yas Water World

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 2,625

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

  • Welcome bonus of 60,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Qualifying Cardholder shall also be eligible for ‘Anniversary Bonus Miles’ in the subsequent year upon the ADCB Etihad Guest Card anniversary".

Key Features

  • Get 12,000 Etihad Guest Miles on paying the 1st year annual fee
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month
  • Earn 1 Etihad Guest Miles for every USD 1 on domestic purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways
  • Exclusive Etihad Guest Gold Tier membership
  • Earn 1 Etihad Guest Tier Mile for every USD 1 of eligible purchase
  • Complimentary upgrade voucher from Etihad Airways
  • Free round the year golf access at the Track Meydan, Arabian Ranches and Yas Links. Discounts at 14 courses in UAE and Muscat
  • 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
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Complimentary Airport Chauffeur service (4 per year)
  • 24-hour personalised premium concierge service
  • Enjoy unlimited complimentary airport lounge access globally for primary, supplementary and 1 guest
  • Exclusive benefits at Ferrari World and Yas Waterworld
  • Purchase protection for up to 90 days Extended warranty on eligible purchases
  • Multi-trip Travel Insurance
  • Optional credit shield
  • Visa luxury hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Up to 12% off Agoda bookings
  • Airport lounge access
  • Dining and lifestyle discounts
  • Balance Transfer
  • Personal Payment Plan
  • Credit Card loan

Reward Features

  • Earn 1 Etihad Guest Miles for every 1 USD on domestic purchase.
  • Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD
  • School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking,   Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways.
  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month.
  • Etihad Guest Miles multiplier. Etihad Guest Miles multiplier is given based on minimum monthly spend and once a month. Qualifying Cardholder need to spend the required minimum threshold to enjoy the Etihad Guest Miles multiplier.
  • Etihad Guest Miles multiplier is given to the Primary Cardholders only.
  • Accumulate & redeem Etihad Guest Miles for airline tickets, upgrades & much more.

Things To Be Aware Of

  • Bonus Miles will be credited only after AMF payment (60days)
  • 1000 USD min spend monthly to get 1000 Etihad Guest Miles
  • Etihad Guest Tier Miles earned are valid for 12 months

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 1500

  • 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 15,000

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
  • Contactless Tech
  • Air Miles
  • Extensive premium lifestyle & travel benefits
  • Up to 3.75 EI SmartMiles per AED 1 spend
  • Complimentary unlimited access to 1000 lounges worldwide
  • 2 complimentary valet parking service per month

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 735

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • 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
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Up to 10% cash back on RTA transport payments, fuel spends
  • Free for life
  • Additional Cashback on Fuel and RTA payments
  • Up to 2.25% cashback on international spends
  • Up to 1.25% cash back on all other spends

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

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
  • Reel cinemas: Enjoy up to 2 "Buy 1 Get 1" complimentary movie tickets each month, any day of the week.
  • 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
  • Enjoy 15% discount on the below Emaar Entertainment Attractions.
  • 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 15,000

RATE

3.25%

ANNUAL FEE

AED 525

  • Golf offers
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • 12,000 Welcome bonus Etihad guest Miles
  • Earn Etihad Guest Miles on all spends
  • 30% off at over 1,400 restaurants in the UAE
  • Benefits at Ferrari World & Yas Water World

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Qualifying Cardholder shall also be eligible for ‘Anniversary Bonus Miles’ in the subsequent year upon the ADCB Etihad Guest Card anniversary.

Key Features

  • Get 12,000 Etihad Guest Miles on paying the first year annual fee
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month
  • Earn 1 Etihad Guest Miles for every USD 1 spent locally
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways
  • Exclusive Etihad Guest Silver Tier membership
  • Complimentary upgrade voucher from Etihad Airways
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary Airport Chauffeur service (2 per year)
  • Complimentary Global Concierge service
  • Access to over 200 airport restaurant offers globally
  • Exclusive benefits at Ferrari World and Yas Waterworld
  • Purchase protection for up to 90 days
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Extended warranty on eligible purchases
  • Medical and legal referral services
  • Optional credit shield
  • Up to 12% off Agoda bookings
  • Dining and lifestyle discounts
  • Utility Bill payments
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus
  • Balance Transfer
  • Personal Payment Plan
  • Credit Card loan

Reward Features

  • Earn 1 Etihad Guest Mile for every USD 1 spent locally.
  • Etihad Guest miles multiplier.
  • Etihad Guest Miles multiplier is given based on minimum monthly spend and once a month. Qualifying Cardholder need to spend the required minimum threshold to enjoy the Etihad Guest Miles multiplier.
  • Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
  • Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase.
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month.
  • Accumulate & redeem Etihad Guest Miles for airline tickets, upgrades & much more
  • School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking,   Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways.

Things To Be Aware Of

  • Bonus Miles will be credited only after AMF payment(60 days)
  • 1000 USD min spend monthly to get 1000 Etihad Guest Miles

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Welcome offer: Up to 40,000 bonus Skywards Miles
  • Best-in-class Skywards Miles earning - earn and redeem miles
  • Complimentary, unlimited worldwide lounge access
  • Complimentary access to top golfing courses across the UAE
  • Valet Parking at selected locations in Abu Dhabi

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Earn up to 40,000 Skywards Miles with your Skywards Signature Credit Card:

  • 15,000 Skywards Miles on payment of the joining fee( AED 735
  • 15,000 Skywards Miles on spending minimum USD 10,000 within the first three billing statements.
  • 10,000 Skywards Miles on spending minimum USD 3,750 on emirates.com or at any Emirates sales office in the UAE within the first twelve billing statements.

Key Features

  • Earn up to 1.5 Miles per USD 1 of retail spends
  • Unlimited complimentary access to over 1000 airport lounges in 300 cities
  • Dedicated concierge service
  • Up to 2 airport transfers per calendar year
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and muscat.
  • Enjoy 4 complimentary valet parking services per month of 1 hour each at select popular shopping malls by simply presenting your Emirates NBD Credit Card(s) at the valet service.
  • Pick up & delivery of car for servicing & registration once a year
  • Complimentary golf access twice a month at select courses
  • Exclusive discounts at Lifeline Health Club Abu Dhabi
  • Salik auto top-up feature
  • 24-hour personalised premium concierge service
  • 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
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Exclusive offers on Emirates.ae
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel Insurance cover

Reward Features

Earn Skyward Miles
Per 1 USD of spend:

  • Earn 1.5 Miles on Emirates and flydubai spends
  • Earn 1.5 Miles on duty free, online food delivery and car booking apps spends
  • Earn 1 Mile on International spends
  • Earn 0.75 Miles on Domestic spends

Things To Be Aware Of

  • Golf access requires min spend of AED 5,000 per month

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • 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
  • Excellent discounts & offers at Emaar establishments
  • "Platinum" U By Emaar status
  • Premium travel and lifestyle benefits
  • Buy 1 get 1 free on movie tickets at Reel Cinemas
  • Complimentary airport lounge access to over 1000 lounges

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Welcome offer: Up to 25,000 UPoints. Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!  

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.
  • 7.5% on all Emaar spends
  • 1.5% on all other spends
  • 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 15,000

RATE

3.25%

ANNUAL FEE

AED 263

  • 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
  • Buy 1 get 1 free on movie tickets at Reel Cinemas
  • Receive U By Emaar Gold Status
  • Complimentary airport lounge access to over 1000 lounges

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 263

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

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.
  • Buy 1 get 1 free on movie tickets at Reel 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 6.25 % on all spends at Emaar.
  • Earn 1.25% all spends outside Emaar.
  • Redeem UPoints instantly at over 2500+ stores across your favorite brands

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 30,000

RATE

1.99%

ANNUAL FEE

AED 1575

  • 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
  • Complimentary airport lounge access to over 1000 lounges
  • Golf club privileges
  • Exclusive Concierge Desk Privileges
  • Valet Parking at selected locations in Abu Dhabi

MINIMUM SALARY

AED 30,000

RATE

1.99%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

3.25%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!

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 spend

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 40,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Up to AED 1,000 cashback as of Al-Futtaim FAB Rewards
  • Get a complimentary 0% Balance Transfer for up to 12 months
  • Unlock 2-for-1 offers - xperience with the ENTERTAINER app
  • Complimentary access to over 1,000 airport lounges globally
  • Enjoy six airport transfers per year from just AED 40

MINIMUM SALARY

AED 40,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / or AED 150

Joining Offers

Apply for a Blue FAB Infinite Credit Card on the FAB Mobile app and receive up to AED 1,000 cashback in the form of Al-Futtaim FAB Rewards. Spend AED 10,000 or more in the first 60 days of card issuance to qualify for your cashback bonus. Offer valid until 14 June 2023.


Key Features

  • Get a complimentary 0% Balance Transfer for up to 12 months
  • Enjoy exclusive offers from Al-Futtaim brands
  • Get a first-year introductory offer on interest rates starting from 1.66% per month
  • Enjoy up to eight movie tickets per month from AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinema
  • Add your Blue FAB Credit Card on Apple Pay, Google Pay and Samsung Pay
  • Enjoy six airport transfers per year from just AED 40 (intra-city service only)
  • Enjoy 6 complimentary airport transfers per annum.
  • Enjoy complimentary access to over 1,000 airport lounges globally for you and a guest
  • Benefit from a 24-hour concierge
  • Get access to over 200 airport restaurant offers globally with DragonPass ‘Dine & Travel’ airport dining program
  • Save up to 12% at over 985,000+ hotels and vacation rentals worldwide with Agoda
  • Enjoy access to prestigious properties with the Visa Luxury Hotel Collection
  • Get up to 30% off retail rates for yQ Airport meet & assist services at over 450 destinations globally
  • Unlock 2-for-1 offers - xperience with the ENTERTAINER mobile app
  • Get 10% credit back on Careem BIKE rentals
  • Get 20% off three Careem rides monthly and 50% off three Careem Food & Shop orders every month
  • Benefit from an Extended Warranty with double the repair period offered by the original manufacturer’s warranty for up to one year
  • Get Buyers Protection for extra peace of mind when purchasing an eligible item
  • Get multi-trip travel insurance coverage for you and your family
  • Fraudulent Card Misuse offers protection against unauthorised transactions or the fraudulent use of your card by unrelated third parties
  • Receive up to four free supplementary cards for your family

Reward Features

  • Earn ten Al-Futtaim FAB Rewards for every AED 1 spent at Al-Futtaim brands including IKEA, ACE, M&S, Toys ‘R’ Us, Toyota and many more*
  • Earn two Al-Futtaim FAB Rewards for every AED 1 spent elsewhere


Things To Be Aware Of

  • International transactions will incurre scheme charges too

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Extended Warranty
  • Get a complimentary 0% Balance Transfer for up to 12 months
  • Enjoy exclusive offers from Al-Futtaim brands
  • Upto 4 movie tickets per month from AED 15
  • Enjoy 2 complimentary airport transfers per annum

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / or AED 150

Joining Offers

Apply for a Blue FAB Platinum Credit Card on the FAB Mobile app and receive up to AED 500 cashback in the form of Al-Futtaim FAB Rewards. Spend AED 5,000 or more in the first 60 days of card issuance to qualify for your cashback bonus. Offer valid until 14 June 2023. First Year introductory rate of 2.08% per month


Key Features

  • Get a complimentary 0% Balance Transfer for up to 12 months
  • Enjoy exclusive offers from Al-Futtaim brands
  • Get a first-year introductory offer on interest rates starting from 2.08% per month Get access to over 200 airport restaurant offers globally with DragonPass ‘Dine & Travel’ airport dining program
  • Save up to 12% at over 985,000+ hotels and vacation rentals worldwide with Agoda
  • Enjoy access to prestigious properties with the Visa Luxury Hotel Collection
  • Get up to 30% off retail rates for yQ Airport meet & assist services at over 450 destinations globally
  • Unlock 2-for-1 offers - xperience with the ENTERTAINER mobile app
  • Get 10% credit back on Careem BIKE rentals
  • Enjoy up to four movie tickets per month from AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinema (minimum monthly spend on the credit card to quality for the benefit is AED 3,000)
  • Add your Blue FAB Credit Card on Apple Pay, Google Pay and Samsung Pay
  • Enjoy 2 complimentary airport transfers per annum.
  • Extended Warranty with double the repair period offered by the original manufacturer’s warranty for up to one year
  • Buyers Protection for extra peace of mind when purchasing an eligible item
  • Receive up to four free supplementary cards for your family

Reward Features

  • Earn ten Al-Futtaim FAB Rewards for every AED 1 spent at Al-Futtaim brands including IKEA, ACE, M&S, Toys R Us, Toyota and many more*
  • Earn two Al-Futtaim FAB Rewards for every AED 1 spent elsewhere

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Extended Warranty
  • Get a complimentary 0% Balance Transfer for up to 12 months
  • Enjoy exclusive offers from Al-Futtaim brands
  • Up to four movie tickets per month from AED 15 on weekdays
  • Complimentary access to over 1,000 airport lounges globally
  • Get 20% off three Careem rides monthly

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / or AED 150

Joining Offers

Apply for a Blue FAB Signature Credit Card on the FAB Mobile app and receive up to AED 750 cashback in the form of Al-Futtaim FAB Rewards. Spend AED 7,500 or more in the first 60 days of card issuance to qualify for your cashback bonus. Offer valid until 14 June 2023.


Key Features

  • Get a complimentary 0% Balance Transfer for up to 12 months
  • Enjoy exclusive offers from Al-Futtaim brands
  • First-year introductory offer on interest rates starting from 2.08% per month
  • Up to four movie tickets per month from AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinema
  • Add your Blue FAB Credit Card on Apple Pay, Google Pay and Samsung Pay
  • Enjoy 2 complimentary airport transfers per annum
  • Enjoy complimentary access to over 1,000 airport lounges globally
  • Benefit from a 24-hour concierge
  • Aaccess to over 200 airport restaurant offers globally with DragonPass ‘Dine & Travel’ airport dining program
  • Save up to 12% at over 985,000+ hotels and vacation rentals worldwide with Agoda
  • Enjoy access to prestigious properties with the Visa Luxury Hotel Collection
  • Get up to 30% off retail rates for yQ airport meet & assist services at over 450 destinations globally
  • Unlock 2-for-1 offers - xperience with the ENTERTAINER mobile app
  • Get 10% credit back on Careem BIKE rentals
  • Get 20% off three Careem rides monthly and 30% off three Careem Food & Shop orders every month
  • Opt for Credit Shield benefits so that your outstanding balance will be paid off if something happens and you can’t meet your credit card payments
  • Receive SMS alerts on all your credit card transactions
  • Benefit from an Extended Warranty with double the repair period offered by the original manufacturer’s warranty for up to one year
  • Get Buyers Protection for extra peace of mind when purchasing an eligible item
  • Get multi-trip travel insurance coverage for you and your family
  • Fraudulent Card Misuse offers protection against unauthorised transactions or the fraudulent use of your card by unrelated third parties
  • Receive up to four free supplementary cards for your family
  • Get Quick Cash at great rates directly in your UAE account
  • Get Easy Payment Plans with convenient repayments at great rates through the FAB Mobile app

Reward Features

  • Earn ten Al-Futtaim FAB Rewards for every AED 1 spent at Al-Futtaim brands including IKEA, ACE, M&S, Toys ‘R’ Us, Toyota and many more*
  • Earn two Al-Futtaim FAB Rewards for every AED 1 spent elsewhere

MINIMUM SALARY

AED 50,000

RATE

3.75%

ANNUAL FEE

AED 2000

  • 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 bank fee
  • 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
  • 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 30,000

RATE

3.5%

ANNUAL FEE

AED 2500

  • 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 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 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
  • Fast-Track Etihad Guest Silver Tier Status
  • Up to 3 Etihad Guest Miles per USD spent
  • Choice of two category spends to earn more miles
  • 20% miles back on flight redemptions & upgrades
  • AED 500 Noon Voucher ( T&Cs apply)

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

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six 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

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 30,000

RATE

3.45%

ANNUAL FEE

AED 1050

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn 1% automatic cashback every day on all your purchases
  • Get 10% bonus on your total daily cashback
  • Get unlimited complimentary access to 1,000+ airport lounges
  • Earn up to AED 600 cashback as joining bonus.

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.15 % / or AED 105

Joining Offers

Enjoy up to AED 600 cashback when you open a Cash+ Credit card today. Below are couple of conditions.

  • AED 500 cashback joining offer is applicable on a new credit card with a total spend of AED 8000 in the first two months.
  • An additional AED 100 on adding the new HSBC card to a mobile wallet.

Key Features

  • Earn up to AED 600 cashback as joining bonus
  • Get 1% daily cashback on all eligible purchases, with no minimum spend or caps.
  • 1000s of discounts and benefits with the HSBC ENTERTAINER mobile app and I Love Dining programme
  • Book online and get 4 'Buy 1 Get 1 Free' tickets per month.
  • Also enjoy 20% discount on food and beverages at both cinemas’ locations.
  • Get unlimited access to 1000+ airport lounges in more than 300 cities all around the world
  • Complimentary cover of up to USD 500,000 for you and your family on all trips up to 90 days
  • Get up to 10% off airfares (excluding applicable taxes, charges and fees) when you book with your HSBC Cash+ Credit Card from 1 January 2023 until 31 December 2023, for travel dates up to 30 December 2024.

Reward Features

  • Get 1% daily cashback on all eligible purchases, with no minimum spend or caps.
  • Your daily cashback is automatically credited to your credit card account each day.
  • Automatically receive 10% bonus cashback on your daily cashback every month, quarter and year, subject to minimum spends.
  • Monthly : 10% of daily cashback earned in a month: Requires AED 5000 spend in a month
  • Quarterly: 10% of daily cashback earned in a month: Requires AED 25,000 spend in a month
  • Annually: 10% of daily cashback earned in a month: Requires AED 125,000 spend in a month
Apply Now

on HSBC site

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
  • 'Buy 1 Get 1 Free' tickets at Vox Cinemas
  • Up to 5% cashback on your spend
  • Enjoy up to AED 600 cashback when you open a Cashback card

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 313

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.15 % / Min AED105

Joining Offers

Enjoy up to AED 600 cashback when you open a Cashback card today. Below are couple of conditions.

  • AED 500 cashback joining offer is applicable on new credit card with a total spend of AED 8000 in the first two months.
  • An additional AED 100 on adding the new HSBC card to a mobile wallet.

Key Features

  • Earn upto AED 600 on cashback as joining bonus.
  • Earn cashback on ALL your spends (5% cashback on Fuel, 2% cashback on supermarket and education, 0.5% cashback on everything else)
  • Enjoy automatic statement credit of cashback every month
  • Buy 1 Get 1 Free' tickets at Vox Cinemas
  • 1000s of discounts and benefits with the HSBC ENTERTAINER mobile app and I Love Dining programme
  • Get up to 10% off airfares (excluding applicable taxes, charges, and fees) when you book with your HSBC Cashback Credit Card from 1 January 2023 until 31 December 2023, for travel dates up to 30 December 2024.
  • Relax with complimentary travel insurance cover for you and your family
  • Extended warranty of upto 1 year over the original manufacturer warranty
  • Purchase protection cover of upto USD 20,000 per year

Reward Features

Earn Cashback on ALL spends:

  • Earn 5% cashback on all fuel spends in the UAE (max AED 200 p.m.)
  • Earn 2% cashback on all supermarket in the UAE (max AED 200 p.m)
  • Earn 2% cashback on education spends in the UAE (max AED 200 p.m)
  • Earn 0.5% cashback on all other spends (no max cap)
  • Cashback will be automatically credited to your statement every month.

There is a minimum spend of AED 3000 in a month which needs to be met to avail the cashback on fuel, supermarket and education categories. Incase the spend is not met one will earn 0.5% cashback on the transactions.

Things To Be Aware Of

  • 2 free supplementary cards, AED 50 thereafter
  • Fuel & supermarket spends have max cashback caps
  • Minimum spend required for promotional cashback
Apply Now

on HSBC site

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 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 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 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 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 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 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 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
  • AED 200 Cashback Welcome 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

AED 200 cashback joining offer ( requires a spend of AED 5000)

1.     The offer is valid for only New to Bank or New to Product credit card applications from the period starting from 1st May to 31st July 2023 (“the Offer Period”). 

2.     Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

 3.     The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

 4.     Credit card applications sourced via sales representatives will not be eligible for the Offer.

 5.     The Bank will credit cashback to the client’s credit card statement.

 6.     Successful applications will receive the cashback on 31 December 2022.

 7.     Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid..

Key Features

  • AED 200 joining offer
  • 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
  • Joining offer requires spend of AED 5000

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1575

  • 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
  • AED 1000 Cashback as joining bonus
  • 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

Joining Offers

AED 1000 cashback joining offer ( requires a spend of AED 10000)

1.     The offer is valid for only New to Bank or New to Product credit card applications from the period starting from 1st May to 31st July 2023 (“the Offer Period”). 

2.     Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

 3.     The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

 4.     Credit card applications sourced via sales representatives will not be eligible for the Offer.

 5.     The Bank will credit cashback to the client’s credit card statement.

 6.     Successful applications will receive the cashback on 31 December 2022.

 7.     Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.

Key Features

  • AED 1000 cashback joining offer
  • Earn 360° Reward Points on all spends
  • Four free Careem airport rides per year with a maximum of AED 100 per ride.
  • 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
  • AED 10,000 spend required by Aug 31 2022 for joining offer

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 5,000

RATE

3.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • AED 200 noon voucher (T&C's apply)
  • Up to 2.25 EI SmartMiles per AED 1 spend
  • Unlimited EI SmartMiles
  • Use the "Instant Purchase" feature to redeem EI SmartMiles
  • Free for life card

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

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

Key Features

  • 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 10,000

RATE

2.99%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Welcome bonus of 30,000 UAB Reward points

MINIMUM SALARY

AED 10,000

RATE

2.99%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 100

Joining Offers

Welcome Bonus

  • 30,000 UAB Reward Points
  • (AED 1000 to be paid within 30 days of card issuance)

Key Features

  • Earn up to 2 UAB Rewards on every US $1 spent
  • Dragon Pass ‘Dine & Fly’ airport dining program
  • Discounts on Hotel.com
  • 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 B1G1 tickets at VOX on Sundays and 20% off at Roxy
  • Great discounts on hotel & vacation rentals with Agoda
  • Luxury Hotel collection
  • YQ Meet & Assist
  • 50% off on VOX cinemas-Online and applicable on Sunday
  • 8% discount on hotel bookings made at Hotels.com
  • Extended Warranty
  • Purchase protection
  • Global Emergency Assistance
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn UAB Rewards Points:

  • 1 points for every 1 USD spent domestically
  • 2 points for every 1 USD spent internationally
  • Redeem points for flight tickets & hotels, car rentals, electronic and lifestyle products.

Things To Be Aware Of

  • Spend of AED 1000 req. within 30 days to avail welcome offer

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
  • Up to 3.5 Etihad Guest Miles per USD spent
  • Fast-Track update to Etihad Guest Gold Tier Status
  • 50% Etihad Guest Miles Back
  • AED 500 Noon voucher ( T&Cs apply)
  • 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

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

Key Features

  • AMF: AED 1,575 for 25,000 Etihad Guest Miles and AED 2,625 for 55,000 Etihad Guest Miles
  • 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 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 20,000

RATE

3.25%

ANNUAL FEE

AED 1050

  • Golf offers
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Earn Up to 2 Etihad Guest Miles per USD 1
  • Up to 2,000 Etihad Guest Miles as monthly bonus
  • 30% off at over 1,400 restaurants in the UAE

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

  • You will receive 35,000 Etihad Guest Miles as welcome bonus during the first year of membership

Key Features

  • Earn 35,000 Etihad guest miles as sign up bonus
  • Earn 1.25 Etihad guest miles per 1 USD spent on domestic purchases
  • Earn 2 Etihad guest miles per 1 USD spent on international purchases
  • Earn 2 Etihad guest miles per 1 USD spent on Etihad Airways bookings
  • Earn 0.33 Etihad guest miles per 1 USD spent on utility bill payments, supermarkets, education, government services
  • Can earn monthly bonus miles on spending USD 2000 using the card
  • Earn 1 Tier mile per 1 USD spent on any local and international purchases
  • 2 free airport chauffeur rides
  • Free access to airport lounges worldwide
  • 12% off on hotel bookings made with Agoda.com
  • 8% off on hotels.com
  • Multi-trip travel insurance cover
  • Exclusive privileges on Visa luxury hotel collection
  • Free golf clubs access
  • 2-for-1 deals on Visa MENA app
  • Up to 30% off on dining and shopping at selected stores
  • 0% Easy Payment Plan(EPP) option
  • Avail balance transfer on zero interest rates

Reward Features

  • Earn 1.25 Etihad Guest Miles for every USD 1 on domestic purchase.
  • Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD
  • School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking, Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
  • Earn 2 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 2 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways

Things To Be Aware Of

  • Bonus Miles will be credited only after AMF payment (60days)
  • 2000 USD min spend monthly to get 2000 Etihad Guest Miles

MINIMUM SALARY

AED 12,000

RATE

3.09%

ANNUAL FEE

AED 299

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Flight and hotel booking discounts
  • Travel & lifestyle benefits
  • Earn rewards on all spends & cashback on specific categories

MINIMUM SALARY

AED 12,000

RATE

3.09%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 10% discount on hotels
  • 5% cashback on flights
  • 7% discount on car rentals through rentalcars.com
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • 4% cashback on fuel spends
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Earn 2 Reward Points for every dirham spent internationally
  • Earn 1 Reward Points for every dirham spent domestically
  • Complimentary VIP airport lounge access across 850 lounges worldwide
  • Visa Luxury Hotels Collection offer
  • Complimentary Concierge Services
  • Medical & Travel assistance
  • Multi-Trip Travel insurance with cover up to USD 500,000
  • Purchase protection of up to USD 6,000 per item
  • Extended Warranty of up to 24 months
  • Exclusive dining offers
  • Free Valet Parking (4 times/month)
  • Withdraw 100% of your finance limit as cash
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • 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

ADIB Rewards Program

  • Earn 2 reward points for every AED 1 international spend
  • Earn 1 reward points for every AED 1 domestic spend

Things To Be Aware Of

  • All cashback categories have maximum caps
  • 5th supplementary card onwards annual fee is AED 299

MINIMUM SALARY

AED 8,000

RATE

3.00%

ANNUAL FEE

AED 800

  • Golf offers
  • Cinema Tickets
  • Purchase Protection
  • Extended Warranty
  • Covered Card limit up to AED 250,000

MINIMUM SALARY

AED 8,000

RATE

3.00%

ANNUAL FEE

AED 800

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Covered Card limit up to AED 250,000
  • 60% Cash withdrawal limit​​
  • Free Road-Side Assistance
  • Advanced Chip & Pin​ Technology
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 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
  • 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

  • AED 100 annual fee for supplementary cards

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 1000

  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • 1% unlimited cashback on all spends
  • Free roadside assistance service

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 1,000

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 1% flat Cashback: anywhere – any time
  • Free roadside assistance
  • Withdraw 100% of your finance limit as cash
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Free grace period up to 55 days to repay your outstanding balance
  • Four Free Supplementary cards
  • ADIB Travel Desk benefits
  • 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
  • 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
  • Screen reader support enabled.

Reward Features

1% flat Cashback: anywhere – any time

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 500
  • 5th supplementary card onwards annual fee is AED 1000

MINIMUM SALARY

AED 15,000

RATE

2.99%

ANNUAL FEE

AED 750

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Roadside Assistance
  • 10% cashback on all dining spend in UAE
  • Extensive travel insurance and protection

MINIMUM SALARY

AED 15,000

RATE

2.99%

ANNUAL FEE

AED 750

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 10% cash back on all dining spend in the UAE
  • 2.5 rewards points for every 1 AED spent
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Complimentary round of Golf once at the Arabian Ranches Golf club. Discounts at 14 clubs in UAE and Muscat
  • Free Roadside Assistance 24/7 across the UAE
  • Valet parking at select locations in the UAE​ (4 per month)
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Advanced Chip&Pin technology making purchases and withdrawing cash secure​​​​​​​​
  • Withdraw 100% of your finance limit as cash
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 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
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Screen reader support enabled

Reward Features

ADIB Rewards Program
Earn 2.5 reward points for 1 AED you spend on your card. Points earned can be used towards airline tickets, shopping mall vouchers and Club Apparel gift cards.

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 250
  • Max dining cashback of AED 100 pre transaction & AED 300 p.m

MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 700

  • Valet Parking
  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Roadside Assistance
  • 50,000 Etihad Guest Miles welcome bonus
  • Free companion ticket on Etihad airways - any class
  • Free valet parking, roadside assistance, lounge access

MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome Offer

Welcome bonus of 50,000 Etihad Guest Miles.

Key Features

  • Welcome bonus of 50,000 Etihad Guest Miles
  • Receive 3 Etihad Guest Miles for every AED 4 equivalent spent on international non-AED transactions
  • 50% off cinema tickets at VOX Cinemas across UAE on Sundays (max of 10 free tickets per month)
  • Receive up to 2. 2 Etihad Guest Miles for every AED 4 spent for local AED transactions
  • Free Companion Ticket – not available on any other Card in the Middle East!
  • Fast track to Etihad Guest Gold Tier
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Access to over 200 airport restaurant offers globally
  • Valet parking at select locations in the UAE
  • Pay your annual fees using 60,600 Etihad Guest Miles
  • Free Roadside Assistance 24/7 across the UAE
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends
  • 4 free premium airport lounge visits per year globally
  • Withdraw 100% of your finance limit as cash
  • 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 Etihad Guest Miles

  • International Non-AED Transactions: Receive 3 Etihad Guest Miles for every AED 4 equivalent spent
  • Local AED Transactions: Receive up to 2. 2 Etihad Guest Miles for every AED 4 spent for AED transaction
  • Earn 1 Etihad Guest Mile for every 4 AED spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities) 

Things To Be Aware Of

  • Maximum of 100,000 Etihad Guest Miles per month
  • 5th supplementary card onwards annual fee is AED 2,000

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 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

3.69%

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 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 5,000

RATE

3.49%

ANNUAL FEE

AED 199

  • Cinema Tickets
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Up to 2 Etihad Guest Miles per USD spent
  • Unlimited 10% miles back on flight redemptions & upgrades
  • Discounts on dining, travel, hotels and shopping
  • Get up to 5,000 Etihad Guest bonus Miles

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 199

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min AED103

Key Features

  • Unlimited 10% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • 0% Easy Payment Plan on Etihad purchases
  • Convert your purchases made at etihad.com into convenient monthly installments, of 3 or 6 months. Processing fee of 2% will be applied.
  • Complimentary Inflight wifi vouchers
  • Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week.
  • Extended Warranty Luxury Hotel Collection
  • Global Assistance
  • Purchase Protection time you make a purchase.
  • Balance Transfer Facility
  • Cash Advance

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.

2 Etihad Guest Miles for spend at Etihad Airlines
1.5 Etihad Guest Miles for spend on international spends
2 Etihad Guest Miles for spend on two categories of your choice
2 Etihad Guest Miles for spend on domestic spend

With Emirates Islamic Etihad Guest Platinum card, you will earn 2 Etihad Guest Miles for every USD 1 spent on Mobile Wallets & Online Transactions.

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 50,000

RATE

AED 1000 p.m.

ANNUAL FEE

AED 0

  • Valet Parking
  • Dining Offers
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Roadside Assistance
  • Extensive premium luxury lifestyle benefits
  • Premium travel benefits
  • Premium card with no annual fee

MINIMUM SALARY

AED 50,000

RATE

AED 1000 p.m.

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Up to 4 free valet parking services per month in Dubai & Abu Dhabi
  • Free access for cardholder plus a guest to over 900 premium airport lounges globally
  • International concierge services
  • Visa fine dining offers
  • Emergency Merchant Authorization service
  • Exclusive Visa Infinite Privileges
  • Visa Luxury Hotel Collection offers
  • Free Multi-Trip Travel Insurance with cover up to US $1,000,000
  • Complimentary Concierge Services
  • Purchase protection for 60 days
  • Extended Warranty that automatically doubles the original warranty
  • Complimentary Roadside assistance services
  • Balance transfer facility

Reward Features

Earn Wala'a Dirhams

Earn 0.5% on all retail spends.  Redeem Wala'a Dirhams for flight tickets, bill payments and more.

Things To Be Aware Of

  • Only for DIB Wajaha customers
  • Has a monthly subscription fee of AED1000 (no interest rate)

MINIMUM SALARY

AED 50,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • Extensive premium luxury lifestyle benefits
  • Premium travel benefits
  • Premium card with no annual fee

MINIMUM SALARY

AED 50,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Up to 4 free valet parking services per month in Dubai & Abu Dhabi
  • Free access for cardholder plus a guest to over 900 premium airport lounges globally
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Visa fine dining offers
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 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)
  • Exclusive Visa Infinite Privileges
  • Credit Shield Takaful
  • Visa Luxury Hotel Collection offers
  • Free Multi-Trip Travel Insurance with cover up to US $1,000,000
  • Complimentary Concierge Services
  • Purchase protection for 90 days
  • Extended Warranty that automatically doubles the original warranty
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • 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 1.0 Wala’a Rewards for every AED 1 spent on all retail spends.
  • Redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 733

  • Golf offers
  • Cinema Tickets
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Up to 3 Etihad Guest Miles per USD spent
  • Unlimited 20% miles back on flight redemptions & upgrades
  • AED 500 Noon voucher ( T&C's apply)
  • Complimentary Airport Transfers & lounge access
  • Fast-Track update to Etihad Guest Silver Tier Status

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 733

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min AED103

Joining Offers

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

Key Features

  • Fast-Track to Etihad Guest Silver Tier Status. 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.
  • Unlimited 20% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • 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.The maximum cashback a cardholder can earn 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.
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE. All you have to do is present your Emirates Islamic Etihad Guest Ameera card at the valet parking desk.
  • Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift.
  • When you buy quality, you expect it to last. That’s why we automatically double the original manufacturer's 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.
  • 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, from anywhere in the world by simply calling Concierge hotlines.

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 Etihad Guest mile for spend at  Etihad Airline
2 Etihad Guest mile for spend at International Spend
2.5 Etihad Guest mile for spend at two chosen categories
Upto 1.5 Etihad Guest mile for spend at domestic spend

Emirates Islamic Etihad Guest Ameera 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

  • AMF is 733.95

MINIMUM SALARY

AED 12,000

RATE

3.39%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • No annual membership fee
  • Metal card with cutting-edge design
  • Complimentary airport lounge access and valet parking
  • AED 500 Noon Voucher ( T&Cs apply)

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

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

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 12,000

RATE

3.49%

ANNUAL FEE

AED 299

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Up to 10% cashback on Groceries, Education, Dining & Telecom
  • Unlimited complimentary access to over 1,000 airport lounges
  • Complimentary Golf any day of the week
  • 1 complimentary valet parking service per month
  • AED 500 Noon Voucher ( T&Cs apply)

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

Key Features

  • Earn up to 10% cashback on supermarket, education, dining & telecom
  • The card comes with an embedded Nol chip
  • Complilmentary cinema offers at Reel cinemas - Buy1 and Get 1 Free
  • Auto top-up facility on Salik and Nol
  • Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
  • Discounts on hotel bookings
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Two complimentary rounds at Arabian Ranches or Meydan Golf Course
  • Balance transfer facility
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Cash-On-Call facility (upto 80% of your credit limit) through 24/7 phone banking service
  • Extended warranty & purchase protection on purchases made on the card
  • Medical & Legal referral assistance
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration

Reward Features

Earn cashback on your Emirates Islamic Cashback Plus Credit Card

Cashback on Supermarket, Education, Dining & telecom for total monthly spend level:

  • Up to AED 2,999 - 0% cashback
  • Between AED 3,000 & AED 9,999 - 3% cashback
  • Between AED 10,000 & AED 17,499 - 5% cashback
  • Above AED 17,500 - 10% cashback

Maximum Cash Back Per Month - AED 200 for above categories.

Things To Be Aware Of

  • AED 3000 minimum should be spend to earn cashback
  • For telecom spends on this card use direct payment channels
  • Cashback points Redemption is done via Online/Mob Banking

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 350

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Up to 5% cash back on electronic store purchases & telecom
  • No min spend for earning cashback
  • Up to 1% cash back on all local and intnational transactions
  • AED 200 gift voucher from noon as joining offer

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 350

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Joining Offers

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

Key Features

  • 5% guaranteed cash back on telecom expenses
  • 5% guaranteed cash back on electronic purchases
  • 1% guaranteed cash back on all other transactions
  • Upto 2 Movie tickets at reel Buy 1 and Get1
  • No minimum spend criteria for earning cash back rewards
  • Free for life card based on annual spend of AED 10,000
  • Hotel discounts
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Balance transfer facility
  • Purchase protection
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Extended warranty & purchase protection on purchases made on the card
  • Medical & Legal referral assistance

Reward Features

Earn Cashback on your Emirates Islamic Cashback Card

  • 5% cashback on telecom expenses (capped at AED 100)
  • 5% cash back on electronic purchases (capped at AED 100)
  • 1% guaranteed cash back on all other local and international transactions
  • No minimum spend criteria for earning cash back rewards

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Cashback redemption is done via Online/Mob Banking
  • A minimum spend of AED 3000 required for cinema offer

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 209

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • No minimum spend limits for cashback
  • High cashback rates on specific categories

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 209

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Guaranteed Cashback, up to 4% on key categories (supermarket, fuel, utilities & telecom)
  • Wide Range of Cashback Opportunities
  • 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
  • Balance transfer facility
  • Access to over 200 airport restaurant offers globally
  • Luxury Hotel Collection offers from Visa
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Medical and legal referral services
  • Global Customer Assistance Services
  • Complimentary 60 days purchase protection
  • Visa fine dining offers
  • Extended warranty that doubles the original manufacturer warranty
  • Exclusive merchant offers
  • Visa PayWave contactless technology
  • 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 Cashback

  • Supermarket - 4% cashback, max AED 400 p.m
  • Automobile servicing - 4% cashback, max AED 400 p.m
  • Etisalat & Du payments - 4% cashback, max AED 150 p.m
  • Fuel spends - 4% cashback, max AED 50 p.m
  • Utility Bills - 4% cashback, max AED 150 p.m
  • Salik & Nol recharges - 4% cashback, max AED 50 p.m
  • Movie Ticket purchases - 50%, max AED 250 p.m
  • Maximum monthly cashback is AED 1,000 per billing cycle. Cashback is only on spends in UAE.

Things To Be Aware Of

  • All categories have max cashback limits

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • Premium lifestyle benefits
  • Premium travel benefits
  • No annual fee

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Up to 3 free valet parking services per month in Dubai & Abu Dhabi
  • Free access for cardholder to over 900 premium airport lounges globally
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus Visa fine dining 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
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Exclusive Visa Signature Privileges
  • Credit Shield Takaful
  • Visa Luxury Hotel Collection offers
  • Free Multi-Trip Travel Insurance with cover up to US $500,000
  • Complimentary Concierge Services
  • Purchase protection for 90 days
  • Extended Warranty that automatically doubles the original warranty
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)

Reward Features

Earn Wala'a Dirhams

  • Earn 3.0 Wala’a Rewards for every AED 1 spent on all retail spends.
  • Redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 208.95

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • RTA Nol Card related benefits
  • Movie tickets at Vox Cinemas for AED 47.25 for 2 tickets
  • Enjoy free rides on Dubai Ferry

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 209

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

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 Cashback.
  • 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
  • Annual fee of AED 208.95 with VAT

MINIMUM SALARY

AED 25,000

RATE

2.45%

ANNUAL FEE

AED 1499

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Get up to 20,000 Bonus Skywards Miles
  • Emirates Skywards Silver Tier Status
  • Access to 900+ airport lounges across the world
  • Fast Track to Gold Tier status
  • 1-night free stay at Rixos JBR

MINIMUM SALARY

AED 25,000

RATE

2.45%

ANNUAL FEE

AED 1,499

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.00 % / Min AED99

Joining Offers

Get Joining bonus Skywards Miles of 20,000 on payment of annual fee of AED 1,499. The bonus Skywards Miles will be credited within a week of the next statement cycle. The card is also available with First year free offer without the joining bonus miles, offer is valid till 31st Jan 2023.


Key Features

  • Simplified Skywards Miles earn logic - based on total spend tiers
  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Rakfoodie privileges
  • 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
  • Complimentary Emirates Skywards Silver tier membership
  • Complimentary access to 900+ lounges globally for the cardholder PLUS a guest
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Complimentary airport transfers within the UAE
  • Complimentary Amazon Prime membership for a period of one year
  • 50% discount on VOX Cinemas at 4 free tickets per month per card
  • 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
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Free delivery of fuel at your door step by CAFU - 4 times in a month
  • Discovery Black membership by Global Hotel Alliance with discounts and other premium benefits
  • 15% discount on "Buy and Gift Miles"
  • Fastrack to Gold tier by opening a RAKBANK Emirates Skywards Saving Account
  • Complimentary access two times in a month at some of the finest golf courses in Dubai
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Applicants for RAKBANK Emirates Skywards World Elite Mastercard Credit Card should be citizens or residents of the UAE
  • Minimum monthly salary requirement for salaried applicants is AED 25,000
  • Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Credit Card is AED 1,499. Limited Period Offer - Annual fees waived for first year until 28th February 2021.
  • Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Supplementary Credit Card is AED 999 with Silver tier membership & AED 200 without Silver tier membership

Reward Features

Earn Emirates Skywards Miles on all spends

The RAKBANK Emirates Skywards World Elite Mastercard Credit Card lets you earn Skywards Miles on all types of spends. What’s more, these Skywards Miles are awarded based on total monthly spends in Dirhams to keep it simple for you.

 

Skywards Miles award will be reduced to 50% if spend in special categories (such as Charities, Government Services, Bill Payments, Schools, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Supermarkets, Health & Beauty, Club Membership, Motion Pictures & Theatres, Computer Services, Automobiles & Vehicles) exceeds 50% of total spends for the month.

Things To Be Aware Of

  • Free for the first year - Annual fee of AED 1499 on renewal

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 199

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • 20,000 Bonus Smiles points on card issuance
  • 50,000 Bonus Smiles points on achieving spends of AED 7,500
  • 50% discount on Novo cinema tickets
  • 1 year complimentary subscription to ' Unlimited Buy 1 Get 1
  • First year free

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 199

Non AED Transaction Fee

2.75%

Cash Advance Fee

2.75 % / AED 105

Joining Offers

Welcome Offer:

  • 20,000 Smiles points as Welcome Bonus
  • 50,000 bonus miles on achieving spend of AED  7500 within 90days of the card issuance

Key Features

  • Earn Smiles points
  • Redeem Smiles points seamlessly via the Smiles UAE mobile app across various categories
  • 50% discount on 2 cinema tickets (min spend of AED 2,000 p.m)
  • Enjoy Buy 1 Get 1 Free and discounts of up to 25% at 500+ dining and lifestyle merchants
  • Enjoy travel discounts with 12% discount on agoda.com, 8% on hotels.com and 30% with YQ Meet and Assist and many more Visa Platinum benefits
  • Enjoy Extended Warranty and Purchase Protection for your purchases
  • Dragon pass "Dine and Travel" airport dining program
  • Visa Luxury Hotel collection offers
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app

Reward Features

Earn Smiles points:

  • 5 Smiles points on Etisalat spends or through the Smiles UAE mobile app
  • Up to 2 Smiles points on International spends
  • Up to 1.5 Smiles points on Domestic spends

Quarterly bonus of 7,500 Smiles points worth up to AED 75

Things To Be Aware Of

  • Min. spend of AED 27,500 is req. for quarterly bonus
  • Min. retail spend of AED2000/month req. to avail Novo offer

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • 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
  • Best-in-class Skywards Miles earning - earn and redeem
  • Earn up to 100,000 Skywards Miles
  • Complimentary Emirates Skywards Silver membership upgrade
  • Access to Business Class Lounge with your Silver membership

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

  • Earn up to 100,000 Skywards Miles with your Skywards Infinite Credit Card.
  • Complimentary Emirates Skywards Silver membership upgrade

Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!

Key Features

  • Earn up to 2 Miles per USD 1 of retail spends
  • Complimentary Emirates Skywards Silver membership
  • Complimentary night with Marriott Vacation Club
  • Complimentary Rotana Rewards Exclusive Club Membership (First year only)
  • Unlimited complimentary access to over 1000 airport lounges worldwide via LoungeKey
  • 24-hour personalised premium 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
  • 50% off movie tickets every Sunday at VOX Cinemas
  • 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
  • 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
  • Bon Appetit - Exclusive dining discounts
  • Exclusive offers on Emirates.ae
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • 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 Skyward Miles

  • Earn Skywards Miles
  • Spend with Emirates NBD Skywards Infinite Credit Card to earn Skywards Miles on your everyday spends. You can earn up to 2 Skywards Miles per USD equivalent spend.
  • Earn 2 Miles on Emirates and flydubai spends
  • Earn 2 Miles on duty free, online food delivery and car booking apps spends.
  • Earn 1.5 Miles on International spends
  • Earn 1 Mile on Domestic spends

Things To Be Aware Of

  • Specific spend categories earn lower rewards

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
  • AED 500 noon voucher (T&C's apply)
  • Up to 1.5 Skywards Miles per USD equivalent spent
  • Complimentary Airport Lounge access
  • Complimentary Cinema tickets, Golf rounds & Valet Parking
  • Complimentary Marhaba Meet & Greet services

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

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

For more details about Skywards Miles earning rates please click here.

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
  • With your Emirates Islamic Signature Credit Card, you can avail Cash on Call facility of up to 80% of your available credit limit.
  • Get access to all exclusive Visa Infinite benefits*T&Cs apply

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

For more details about Skywards Miles earning rates please click here.

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 1000

  • 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 bank fee
  • 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.
  • 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 15,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Earn up to 30,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends
  • Premium lifestyle benefits

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Joining Offers

Earn up to 30,000 bonus Skywards Miles with the Emirates Skywards DIB Signature Credit Card:

  • 15,000 bonus Miles on card activation

  • 15,000 bonus Miles on balance transfer

Key Features

  • Earn up to 30,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Complimentary access to over 850+ VIP lounges globally for cardholder
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Easy 0% payment plan on Emirates tickets
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary international concierge services
  • Complimentary travel insurance with cover up to US $500,000
  • Enjoy 25% dining discounts on online orders through Zomato
  • Luxury Hotel Collection offers from Visa
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Up to 3 free valet parking services per month in Dubai & Abu Dhabi
  • Balance transfer facility
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • 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 Skyward Miles for every 1 USD spend:

  • Earn 1.5 Skyward Miles on all Emirates spends
  • Earn 1 Skyward Mile on all foreign currency spends
  • Earn 0.75 Skyward Miles on all local currency spends

MINIMUM SALARY

AED 5,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Extended Warranty
  • Air Miles
  • Free for life
  • Upto 25 days interest free
  • High credit limits
  • Shop smart - 10% discount on leading global online stores

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

  • Complimentary Bronze Meet and Greet Service
  • Select a loyalty program of your choice - rewards or cashback
  • Complimentary Lounge Access (Dubai or Abu Dhabi International Airport)
  • Accident care plan
  • Emergency auto assistance
  • 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 5,000

RATE

3.25%

ANNUAL FEE

AED 525

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • 5,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Joining Offers

Earn bonus Skywards Miles:

5,000 bonus Miles on card activation.

Key Features

  • Earn 5,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Easy 0% payment plan on Emirates tickets
  • 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
  • Enjoy 25% dining discounts on online orders through Zomato
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Luxury Hotel Collection offers from Visa
  • Balance transfer facility
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • Access to over 200 airport restaurant offers globally
  • 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 Skyward Miles per 1 USD spend:

  • Earn 1 Skyward Mile on all Emirates spends
  • Earn 0.75 Skyward Miles on all foreign currency spends
  • Earn 0.5 Skyward Miles on all local currency spends

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2100

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Earn up to 75,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends
  • Premium Lifestyle benefits

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

  • Earn up to 75,000 bonus Skywards Miles with the Emirates Skywards DIB Infinite Credit Card
  • 25,000 bonus Miles on card activation.
  • 25,000 bonus Miles when you spend an equivalent of USD 20,000 or more in the first 4 card statements.
  • 25,000 bonus Miles on balance transfer.

Key Features

  • Earn up to 75,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Complimentary Emirates Skywards Silver membership
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary access to over 850+ VIP lounges globally for cardholder plus a guest
  • Easy 0% payment plan on Emirates tickets
  • Enjoy 25% dining discounts on online orders through Zomato
  • Complimentary access to the Emirates Towers Health Club
  • Luxury Hotel Collection offers from Visa
  • Up to 4 free valet parking services per month in Dubai & Abu Dhabi
  • Balance transfer facility
  • Travel insurance cover upto $1,000,000 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
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • 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 Skyward Miles per 1 USD of spend:

  • Earn 2 Skyward Miles on all Emirates spends
  • Earn 1.5 Skyward Miles on all foreign currency spends
  • Earn 1 Skyward Mile on all local currency spends

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 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
  • Up to 75,000 bonus Skywards Miles
  • Up to 2 Skywards Miles per USD equivalent spent
  • Fast-Track update to Emirates Skywards Silver Tier Status
  • AED 500 noon voucher (T&C's apply)

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

40,000 joining bonus miles upon payment of the Annual Membership Fee and the Joining Fee totaling to AED 1,999 (Annual Membership Fee of AED 999 and Joining Fee of AED 1,000)

Spend a minimum of AED 75,000 in the first 6 months and earn 35000 miles (offer valid till 30 Sep, 2023).

In addition, get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

Key Features

  • Enjoy unlimited complimentary access to over 1000 airport lounges
  • 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
  • With your Emirates Islamic Infinite Credit Card, you can avail Cash on Call facility of up to 80% of your available credit limit.
  • Get access to all exclusive Visa Infinite benefits
  • T&Cs Apply

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

 For more details about Skywards Miles earning rates please click here.

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 15,000

RATE

3.85%

ANNUAL FEE

AED 400

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Earn more FAB Rewards on your spending and gaming
  • Win cash prizes up to AED 50,000
  • Benefits and discounts across travel and lifestyle
  • Get up to two airport transfers a year from AED 40
  • Enjoy free access to 1000+ airport lounges worldwide.

MINIMUM SALARY

AED 15,000

RATE

3.85%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / or AED 105

Joining Offers

Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.


Key Features

  • Valet Parking: Enjoy two free valet parking services a month at selected locations in the UAE.
  • Movie tickets from just AED 15: Enjoy four movie tickets a month for only AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinemas. Get weekday movie tickets from only AED 20 at VOX Cinemas.
  • Golf Discounts: Get exclusive discounts at great golf courses*.
  • Visa Lifestyle Benefits: Get even more great benefits with Visa, including offers on dining, The Entertainer and Global Blue*.
  • Airport Transfers: Get up to two airport transfers a year from AED 40 (within the same city) .
  • Airport Lounge Access: Enjoy free access to 1000+ airport lounges worldwide.
  • Visa Travel Benefits: Enjoy travel benefits and discounts with Visa’s partners, including DragonPass Airport dining offers, YQ Meet & Assist, Avis Car Rental, Agoda, IHG Hotels & Resorts, Visa Luxury Hotel Collection, Jumeirah Hotels, Booking.com and many
  • more*.
  • Travel Accident Insurance: Get complimentary travel insurance of up to USD 500,000*.
  • Purchase Protection and Extended Warranty: Enjoy Purchase Protection and Extended Warranty of 12 months beyond the manufacturer or retail warranty*.
  • Fraud: Benefit from automatic protection against unauthorised transactions or the fraudulent use of your card*.
  • International Medical and Travel Assistance: If you used your FAB Rewards Signature Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your
  • principal country of residence for up to 90 days*.
  • Credit Shield: If something happens and you can’t meet your credit card payments, your outstanding balance will be paid off.
  • *Services offered and supported by Visa. Terms and conditions of the offer(s) may change without prior notice. Click here for more details about these great benefits

Reward Features

The fastest way to increase your FAB Rewards earning: 

FAB Rewards bonus: Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.
More FAB Rewards on gaming: Earn up to 5 FAB Rewards per AED 1 spent on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.
More FAB Rewards: Earn up to 2 FAB Rewards per AED 1 spent on your card.
Redeem instantly: Redeem your FAB Rewards instantly through the FAB Mobile app. Use your Rewards for more game time, exchange them for Emirates Skywards Miles or Etihad Guest Miles, buy mall e-vouchers, pay utility bills and much more

Spend and Win Cash Prizes

Draw month : Every July
Qualifying spend period: January – June (6 months)
Criteria(Based on retail spend): Cumulative retail spend of AED 25,000 within 6 months
Total winners per draw:20
Maximum winning amount per winner : AED 25000

Draw month : Every January
Qualifying spend period: January – December( previous year)
Criteria(Based on retail spend): Annual retail spend of AED 50,000
Total winners per draw:20
Maximum winning amount per winner : AED 50000

Draw month : Every January
Criteria(Based on retail spend): Annual retail spend of AED 25,000 to 50,000
Total winners per draw:100
Maximum winning amount per winner : AED 1,000

MINIMUM SALARY

AED 8,000

RATE

3.85%

ANNUAL FEE

AED 300

  • Valet Parking
  • Dining Offers
  • Balance Transfer
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Win cash prizes up to AED 50,000
  • Movie tickets from just AED 15
  • Get up to two airport transfers a year
  • Purchase Protection and Extended Warranty

MINIMUM SALARY

AED 8,000

RATE

3.85%

ANNUAL FEE

AED 300

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.


Key Features

  • Movie tickets from just AED 15: Enjoy four movie tickets a month for only AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinemas. Get weekday movie tickets from only AED 20 at VOX Cinemas.
  • Visa lifestyle benefits: Get even more great benefits with Visa, including offers on dining, The Entertainer and Global Blue*.
  • Airport Transfers: Get up to two airport transfers a year from AED 40 (within the same city)
  • Visa Travel Benefits: Enjoy travel benefits and discounts with Visa’s partners including DragonPass Airport dining offers, YQ Meet & Assist, Avis Car Rental, Agoda, IHG Hotels & Resorts, Visa Luxury Hotel Collection, Jumeirah Hotels, Booking.com and many
  • Purchase Protection and Extended Warranty: Enjoy Purchase Protection and Extended Warranty of 12 months beyond the manufacturer or retail warranty*.
  • International Medical and Travel Assistance: If you used your FAB Rewards Platinum Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your
  • principal country of residence for up to 90 days*.
  • Credit Shield: If something happens and you can’t meet your credit card payments, your outstanding balance will be paid off.

Reward Features

FAB REWARDS

The fastest way to increase your FAB Rewards earning 

  • FAB Rewards bonus: Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.
  • More FAB Rewards on gaming: Earn up to 5 FAB Rewards per AED 1 spent on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.
  • More FAB Rewards: Earn up to 1 FAB Reward per AED 1 spent on your card.
  • Redeem instantly: Redeem your FAB Rewards instantly through the FAB Mobile app. Use your Rewards for more game time, exchange them for Emirates Skywards Miles or Etihad Guest Miles, buy mall e-vouchers, pay utility bills and much more.

Spend and Win Cash Prizes

Draw month : Every July
Qualifying spend period: January – June (6 months)
Criteria(Based on retail spend): Cumulative retail spend of AED 25,000 within 6 months
Total winners per draw:20
Maximum winning amount per winner : AED 25000

Draw month : Every January
Qualifying spend period: January – December( previous year)
Criteria(Based on retail spend): Annual retail spend of AED 50,000
Total winners per draw:20
Maximum winning amount per winner : AED 50000

Draw month : Every January
Criteria(Based on retail spend): Annual retail spend of AED 25,000 to 50,000
Total winners per draw:100
Maximum winning amount per winner : AED 1,000

Things To Be Aware Of

  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 30,000

RATE

2.49%

ANNUAL FEE

AED 600

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn up to 5 FAB Rewards for every AED 1 you spend
  • Access to over 1,000+ Airport Lounges
  • Complimentary multi-trip travel insurance
  • Movie tickets from just AED 15
  • Golf discounts with Visa Golf

MINIMUM SALARY

AED 30,000

RATE

2.49%

ANNUAL FEE

AED 600

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / AED 158

Joining Offers

Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.


Key Features

  • A convenient solution for all those enjoy the basic luxuries in life! FAB Infinite Credit Cardholders can enjoy 3 valet parking services per month at select locations.
  • FAB Infinite Credit Cardholders can enjoy 6 movie tickets per month at AED 15 during weekdays and AED 20 during weekends with Reel Cinemas, Cine Royal, and Oscar Cinemasand at AED 20 during weekends at Vox Cinemas.
  • Take your golf to the next level with Visa Golf and get exclusive discounts on highly prestigious golf courses.
  • Make the most of your trip with a 24-hour Concierge Service to help you with an array of travel-related tasks.
  • Plus hundreds more top-class offers available to FAB Infinite Credit Cardholders.
  • Get welcomed at the airport in style! FAB VISA Infinite Credit Cardholders can enjoy 6 Meet & Greet services per annum from AED 40 (individual booking) or AED 100 (family booking). Note: The service at Abu Dhabi airport is temporarily on hold until
  • further notice
  • Travel in style with access to more than 1000+ airport lounges worldwide for you and a guest.
  • Visa gives you 20% off on 3 airport transfers with Careem.
  • Get complimentary Travel Accident Insurance of up to USD 1 million.
  • Enjoy Purchase Protection and an Extended Warranty of 12 months beyond the manufacturer or retail warranty.
  • Benefit from automatic protection against unauthorised transactions or fraudulent use of your card.
  • If you have used your FAB Visa Infinite Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your principal country of residence for up to 90
  • days.

Reward Features

Earn up to 5 FAB Rewards for every AED 1 you spend on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.

Earn up to 4 FAB Rewards per AED 1 spent on your card

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

Spend and Win Cash Prizes

Draw month : Every July
Qualifying spend period: January – June (6 months)
Criteria(Based on retail spend): Cumulative retail spend of AED 25,000 within 6 months
Total winners per draw:20
Maximum winning amount per winner : AED 25000

Draw month : Every January
Qualifying spend period: January – December( previous year)
Criteria(Based on retail spend): Annual retail spend of AED 50,000
Total winners per draw:20
Maximum winning amount per winner : AED 50000

Draw month : Every January
Criteria(Based on retail spend): Annual retail spend of AED 25,000 to 50,000
Total winners per draw:100
Maximum winning amount per winner : AED 1,000

Things To Be Aware Of

  • Spend critiera applicable for Valet and Movies