+971

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • No Annual Fee
  • Interest-free balance transfers
  • Redeem reward points instantly at Lulu
  • Benefits at Ferrari World & Yas Waterworld
  • Lulupoints can be redeemed with supplementary card

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn 5 LuluPoints on purchases made at Lulu and 1.25 LuluPoints on purchases made elsewhere for every 1 AED spent
  • Complimentary access to over 25+ lounges in the Middle East, Levant & select locations globally for the cardholder
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Redeem LuluPoints instantly while shopping at Lulu stores
  • Benefits at Ferrari World and Yas Waterworld Abu Dhabi
  • Optional Credit Shield
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Balance Transfer
  • Buy 1, Get 1 Offers throughout Middle East & Africa across dining, spas and more
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn LuluPoints

  • For every 1 AED spent earn 5 LuluPoints on purchases made at all Lulu stores in UAE.
  • For every 1 AED spent earn 1.25 LuluPoints on purchases made elsewhere subject to meeting a monthly spend goal of AED 3,500 (Lulu & elsewhere).
  • 5000 Lulupoints gives voucher worth AED 50.
  • Points can be redeemed instantly at the checkout counters of Lulu Hypermarket across UAE.
  • Can be redeemed for as low as 5000 Lulupoints & with supplementary card as well.

Things To Be Aware Of

  • Minimum monthly spend of AED 3,500

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Interest-free balance transfers
  • Lulupoints can be redeemed with supplementary card
  • Complimentary airport lounge access
  • Benefits at Ferrari World & Yas Waterworld

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn 3.5 LuluPoints on purchases made at Lulu and 1 LuluPoint on purchases made elsewhere for every 1 AED spent
  • Redeem LuluPoints instantly while shopping at Lulu stores
  • Unlimited airport lounge access at 12 Middle East airports
  • Benefits at Ferrari World and Yas Waterworld Abu Dhabi
  • Optional Credit Shield
  • Balance Transfer
  • Buy 1, Get 1 Offers throughout Middle East & Africa across dining, spas and more

Reward Features

Earn LuluPoints

 

  • For every 1 AED spent earn 3.5 LuluPoints on purchases made at all Lulu stores in UAE
  • For every 1 AED spent earn 1 LuluPoints on purchases made elsewhere subject to meeting a monthly spend goal of AED 3,500 (Lulu & elsewhere)
  • 5000 Lulupoints gives voucher worth AED 50
  • Points can be redeemed instantly at the checkout counters of Lulu Hypermarket across UAE
  • Can be redeemed for as low as 5000 Lulupoints & with supplementary card

Things To Be Aware Of

  • Minimum monthly spend of AED 3,500

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Free for life -no annual fee, ever
  • AED 500 Welcome Bonus
  • Unlimited free delivery on talabat
  • 35% back on talabat orders applicable on first 10 orders
  • 1.25% back on other purchases

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.15 % / AED 105

Joining Offers

Enjoy a Welcome Bonus of AED 500 as talabat credit when you sign up for the card.

Important note:

  • The Welcome Bonus is a one-time reward and will be credited to the Primary Cardholder’s talabat Pay account within 90 days of card issuance and subject to a minimum spend of AED 2,500 within 45 days of card issuance. Spends shall include retail purchases, balance transfer and credit card loans. For example, a card issued on 1st May 2023 will be required to complete the spends of AED 2,500 by 14th June 2023.

Key Features

  • 35% back on talabat orders will be rewarded as talabat credit and will be applicable only on the first ten orders every month. talabat credit for each order is capped at AED 35 with a cumulative total of AED 350 per month.
  • Welcome Bonus of AED 500 will be rewarded as talabat credit and subject to a minimum spend of AED 2,500 within 45 days of card issuance.
  • talabat credit for all eligible purchases in a month shall be credited to talabat Pay account in the first week of upcoming month.
  • Unlimited free delivery will be applicable on all talabat pro orders with a minimum order value of AED 50 on food and AED 100 on talabat mart, groceries and pharmacy.
  • You may be a health fanatic, a comfort eater or a daring foodie, we have 7 different card designs for you to choose from and match your inner foodie.
  • Enjoy unlimited access at 20+ MasterCard airport lounges globally. Click here to check the lounges covered.
  • Airport lounge access is now digital. Please click here for more details.
  • Receive up to 10% cashback - book your next holiday on booking.com with an talabat ADCB Credit Card.
  • Visit Cleartrip and book any roundtrip, international airfare or hotel using your Platinum MasterCard card to enjoy an up to 30% discount.

Reward Features

Earn talabat credit every time you spend using the card as per below:

  • 35% back as talabat credit on the first 10 talabat orders placed each calendar month. talabat credit for each order is capped at AED 35, with a cumulative limit of AED 350 per month. All additional talabat orders within the same month will earn 1.25% as talabat credit.
  • 0.35% back as talabat credit on domestic retail purchases from categories such as fuel, education, government services, real estate, telecommunications, charity, transport, supermarkets, auto dealers, and insurance.
  • 0.35% back as talabat credit on all domestic and international retail purchases made at merchants based in Europe (i.e., countries that are part of the European Economic Area). The classification of merchants based in the European Economic Area will follow prevailing MasterCard guidelines.
  • 1.25% back as talabat credit on other domestic and international retail purchases, whether made within the UAE or outside the UAE.

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Complimentary airport lounge access
  • 0% interest for upto 12 months for school & college fees
  • Benefits at Ferrari World & Yas Waterworld

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn bonus Touchpoints on one or all of these categories - Supermarket, Fuel, Telecom, Utility Bills, Duty Free
  • 5,000 bonus Touchpoints
  • All other retail purchases will earn 0.75 Touchpoints per AED spent
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets and upgrades, paying utility bills and more
  • Balance transfer
  • School fees
  • Complimentary airport lounge access
  • 8% discount on hotel bookings made at Hotels.com
  • Benefits at Ferrari World & Yas Waterworld Abu Dhabi
  • Buy 1, Get 1 Free with VOX Cinemas, Up to 2 free tickets per month
  • Buy 1, Get 1 Offers throughout Middle East & Africa across dining, spas and more

Reward Features

Earn Touchpoints Per 1 AED spend

  • Earn 0.5 TouchPoint for every AED 1 on retail
  • Earn 0.75 TouchPoint for every AED 1 on Utility
  • 5,000 bonus TouchPoints when you spend AED 5,000 each month
  • Accumulate & redeem Touchpoints for shopping or dining vouchers,  airline tickets, upgrades & much more.

Things To Be Aware Of

  • Min. monthly spend of AED5000 to earn 5000 bonus Touchpoints
  • Offer only on VOX 2D Max Standard and 2D Standard

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • Excellent Reward earnings rate
  • Premium lifestyle features
  • No Annual fee

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 100

Key Features

  • Earn bonus Touchpoints from one or all categories - Supermarket, Fuel, Telecom, Utility, Duty Free
  • Other purchases will still earn rewards at 1.5 TouchPoints for every AED 1 of spend
  • Benefits at Ferrari World & Yas Waterworld Abu Dhabi
  • Complimentary unlimited global premium lounge
  • Access Buy one, get one free with VOX Cinemas - upto 4 free per month
  • Complimentary Global Concierge Service
  • Complimentary Golf all year round at The Track Meydan Golf Dubai, Arabian Ranches Golf Club Dubai and Yas Links Golf Club Abu Dhabi. Discounts at 14 clubs in UAE and Muscat
  • Dining privileges - 25% off at the finest selection of upmarket restaurants and eateries in the UAE

Reward Features

Earn Touchpoints

  • Per 1 AED spend : Supermarket = 5points, Fuel = 7points, Telecom = 5points, Utility = 15points, Duty Free = 15points
  • Maximum Touchpoints per category per month = 20,000
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets and upgrades, paying utility bills and more
  • Other purchases will still earn rewards at 1.5 TouchPoints for every AED 1 worth of eligible purchase.

Things To Be Aware Of

  • Need to be an ADCB Excellency Customer
  • There is a minimum spend requirement to earn bonus rewards

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Benefits at Ferrari World & Yas Waterworld
  • Interest-free balance transfers
  • Golf & Cinema offers
  • First year free

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 105

Joining Offers

Receive 10,000 bonus TouchPoints when you spend AED 10,000 each month

Key Features

  • Earn bonus Touchpoints on one or all of these categories - Supermarket, Fuel, Telecom, Utility Bills, Duty Free
  • All other retail purchases will earn 1 Touchpoint per AED spent
  • 10,000 bonus Touchpoints
  • Balance transfer
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers 20% off at Talabat orders
  • Discounts with Agoda
  • Dragon Pass ‘Dine & Fly’ airport Dining Program
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets and upgrades, paying utility bills and more
  • Benefits at Ferrari World & Yas Waterworld Abu Dhabi
  • Buy 1, Get 1 Free with VOX Cinemas, Up to 4 free tickets per month
  • Complimentary Lounge Access
  • Free all year at The Track Meydan Golf Club Dubai, Arabian Ranches Golf Club Dubai and Yas Links Golf Club Abu Dhabi
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Buy 1, Get 1 Offers throughout Middle East & Africa across dining, spas and more

Reward Features

Earn Touchpoints

  • Earn 1 TouchPoint for every AED 1 on retail
  • Earn  1 TouchPoint for every AED 1 on Utility
  • 10,000 bonus TouchPoints when you spend AED 10,000 each month
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets, upgrades & much more

Things To Be Aware Of

  • Minimum monthly required to earn 5,000 bonus Touchpoints
  • Minimum monthly spend of AED 5000 for free Golf

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • No Annual Fee
  • 0% interest for upto 12 months for school & college fees
  • Benefits at Ferrari World & Yas Waterworld
  • Complimentary airport lounge access

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

  • Earn bonus Touchpoints on one or all of these categories - Supermarket, Fuel, Telecom, Utility Bills, Duty Free
  • 5,000 bonus Touchpoints
  • Balance transfer
  • School fees
  • All other retail purchases will earn 0.75 Touchpoints per AED spent
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets and upgrades, paying utility bills and more
  • Benefits at Ferrari World & Yas Waterworld Abu Dhabi
  • Buy 1, Get 1 Free with VOX Cinemas, Up to 2 free tickets per month
  • Complimentary Lounge Access - 12 airports across the Middle East
  • Buy 1, Get 1 Offers throughout Middle East & Africa across dining, spas and more

Reward Features

Earn Touchpoints Per 1 AED spend

  • Earn 0.5 TouchPoint for every AED 1 on retail
  • Earn 0.75 TouchPoint for every AED 1 on Utility
  • 5,000 bonus TouchPoints when you spend AED 5,000 each month
  • Accumulate & redeem Touchpoints for shopping or dining vouchers, airline tickets, upgrades & much more

Things To Be Aware Of

  • Min. monthly spend of AED5000 to earn 5000 bonus Touchpoints
  • Offer only on VOX 2D Max Standard and 2D Standard

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • 10,000 Etihad Guest Miles welcome bonus
  • Free for life card
  • Earn Etihad Guest Miles on all spends

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome bonus of 10,000 Etihad Guest Miles


Key Features

  • Welcome ​bonus of 10,000 Etihad Guest Miles
  • Receive 1 Etihad Guest Mile for every AED 4 equivalent spent on international non-AED transactions
  • Receive 0.75 Etihad Guest Miles for every AED 4 spent for local AED transactions
  • Pay your annual fees using 12,500 Etihad Guest Miles
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends
  • Withdraw 100% of your finance limit as cash

Reward Features

Earn Etihad Guest Miles

  • International Non-AED Transactions: Receive 1 Etihad Guest Mile for every AED 4 equivalent spent
  • Local AED Transactions: Receive 0.75 Etihad Guest Miles for every AED 4 spent for AED transaction
  • Earn 0.25 Etihad Guest Miles for every 4 AED spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities)
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends

Things To Be Aware Of

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • Bonus 5,000 Etisalat Reward points

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

Joining Offers

Welcome Offer

Welcome bonus 5,000 Etisalat Reward points(equivalent to more than 2.5 hours of UAE talk time).

Key Features

  • 5,000 Sign Up Etisalat Reward Points equivalent to more than 2.5 hours of UAE talk time
  • Earn 1.5 Etisalat Smile points for every Dirham spent
  • Earn 1 Etisalat Smiles point for every Dirham spent on specific merchant transactions
  • Special Etisalat MyPackage Plan for even More points

Reward Features

Earn Etisalat Smiles Rewards Points

 

  • For non-Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 10 minutes of UAE talk time.
  • Earn 1 Etisalat Smiles point for every Dirham spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities), so every AED 100 spent is 3 minutes of UAE talk time.
  • For Self-funded Cards earn 2 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 6 minutes of UAE talk time.
  • Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • 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 credit 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
  • Enjoy up to 25% discount on select dining outlets across the UAE.​
  • Access to airport lounges across the GCC/MENA region
  • Withdraw 100% of your finance limit as cash
  • Advanced Chip&Pin technology making purchases and withdrawing cash secure​​​​​​​​

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 5,000

RATE

3.85

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Four plans offered under this Visa Signature Card
  • 50% off on Vox & Reel cinemas
  • Complimentary Valet, Golf and Airport lounge access
  • Enjoy a regular monthly cashback of up to AED 500
  • Pay per month and choose your design

MINIMUM SALARY

AED 5,000

RATE

3.85

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / or AED 105

Joining Offers

Double cashback for first two months till 31st March 2024

Key Features

  • Use your CBD One Card with the selected plan on your favorite listed brands to enjoy double cashback up to AED 1,000 for first 60 days from card issuance date.
  • Enjoy a regular monthly cashback of up to AED 500 from 3rd month onwards.
  • Watch your favorite movie with 50% off on Vox & Reel cinemas.
  • Free yourself from parking worries at selected Malls & Airport locations in Dubai & Abu Dhabi with CBD’s complimentary Valet Parking.
  • Enjoy Golf with your friends & family with 4 Complimentary rounds of golf every month at Trump International Golf Club.
  • Relax and entertain yourself during travel with up to 8 times free access to Airport Lounge with CBD One Visa Signature.
  • Pay in instalments with 0% Easy payment plan
  • Pay your other bank credit card with Balance transfer
  • Need Cash instantly, get Quick cash.
  • For global benefits offered by Visa

Reward Features

There are three plans available: One, One Plus, and One VIP.

For the One plan, the regular monthly cashback is AED 135, with a double cashback promotion of AED 270. The plan is free for the first 36 months, and from the 37th month onwards, a monthly fee of AED 39 is waived if a minimum total spend of AED 8,000 is met. The minimum total monthly spend required to avail cashback is AED 5,000, and transactions on selected brands like Airbnb, Booking.com, and Uber are eligible for cashback.

For the One Plus plan, the regular monthly cashback is AED 250, with a double cashback promotion of AED 500. Similar to the One plan, it's free for the first 36 months, and from the 37th month onwards, a monthly fee of AED 69 is waived if a minimum total spend of AED 15,000 is met. The minimum total monthly spend required to avail cashback is AED 8,000, and transactions on selected brands like Netflix, Spotify, and Starbucks are eligible for cashback.

For the One VIP plan, the regular monthly cashback is AED 500, with a double cashback promotion of AED 1,000. This plan is free with a minimum spend of AED 22,000, otherwise, a monthly fee of AED 99 applies if the spend criteria are not met. The minimum total monthly spend required to avail cashback is AED 15,000, and transactions on selected brands like Fitness First and Class Pass are eligible for cashback.

*Starter Plan is free for life with no cashback benefit.

Things To Be Aware Of

  • 50% off on Vox & Reel cinemas requires a spend of AED 5000
Apply Now

Apply through CBD mobile App

MINIMUM SALARY

AED 12,000

RATE

3.85%

ANNUAL FEE

AED 999

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • First year Free (AED 999 waived for first year)
  • Premium lifestyle & travel benefits
  • 3 complimentary valet parking services
  • 1,000 Airport Lounges across the world via Lounge Key
  • 4 complimentary rounds of Golf

MINIMUM SALARY

AED 12,000

RATE

3.85%

ANNUAL FEE

AED 999

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / AED 105

Joining Offers

  • 100,000 Smiles points subject to achieving spends of AED 2,000 within 30 days of card issuance at Etisalat channels, Smiles App and elGrocer.
  • First year Free * (Annual fee of AED 999 waived for first year)
  • 1 year complimentary subscription to 'Unlimited Buy 1 Get 1 Offers' worth AED 200
  • Discount coupon worth AED 100 from Yallacompare
  • Free for life Supplementary cards

Promotion validity: 1 January 2024 to 31 March 2024. (Offer is valid for cards issued between the above dates)

Key Features

  • Earn Smiles points
  • Redeem Smiles points seamlessly via the Smiles UAE mobile app across various categories
  • 4 complimentary rounds of Golf at Trump International Golf Club every month subject to calendar month retail spends of AED 7,500.
  • 3 complimentary valet parking services each calendar month at over 30 locations in the UAE.
  • Discount and savings at Emaar Attractions
  • 20% discount on regular admission tickets at KidZania®, E-Kart Zabeel | Dubai Aquarium and
  • Underwater Zoo Penguin Cove and Nursery experience
  • 20% discount on The Storm Coaster at Dubai Hills Mall
  • 20% discount at Dubai Ice Rink general admission tickets
  • 20% discount at Zabeel Sports District except badminton games
  • Enjoy up to a maximum of 8 complimentary visits in a calendar year at over 1,000 Airport Lounges across the world via Lounge Key
  • Multi-trip Travel Insurance: Applicable to the cardholder and family, for a period of 90 days from date of travel, up to a maximum of USD 500,000
  • Purchase Protection: Doubles the repair period offered by original manufacture warranty, up to 1 year
  • Extended Warranty: Protects you from theft or accidental damage

Reward Features

Earn Smiles points on every AED spent:

  • 10 Smiles points on all Etisalat channels, Smiles app and elGrocer spends (Monthly cap of 25,000 Smiles points)
  • Up to 3 Smiles points on all international spends
  • Up to 2 Smiles points on all domestic spends
  • Quarterly bonus of 15,000 Smiles points worth up to AED 150

Redeem Smiles points:

  • Payment of Etisalat bills | Prepaid recharges | Food delivery
  • Purchase of Smart phones | Shopping vouchers & more
  • Groceries and Pharmacies


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
Apply Now

Apply through CBD mobile App

MINIMUM SALARY

AED 8,000

RATE

3.69%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Free for life
  • 12 month complimentary Zomato pro membership
  • AED 100 of Carrefour & Amazon Vouchers

MINIMUM SALARY

AED 8,000

RATE

3.69%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.75%

Cash Advance Fee

3.00 % / Min 105

Joining Offers

Complimentary gifts worth over AED 300*: (Limited Time Offer)

  • AED 100 Carrefour voucher
  • AED 100 Amazon voucher
  • 12 month Zomato Pro membership

*To qualify for complimentary gifts AED 5,000 needs to be spent within 90 days of card issuance.

Key Features

  • No annual fees ever
  • CBD Points Rewards Program – earn up to 1.5 points for every AED spent
  • 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
  • Avis car rental offers
  • Mastercard Priceless Cities offers

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 ( Spends classified by Mastercard or Visa as Supermarket / Grocery/ Government / Utility bills / Fuel / Car rental / Auto dealerships / Insurance/ Quick Service Restaurants/ Education would earn 0.75 points)
  • 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
  • AED 5,000 to be spend in first 90 days for joining offer

MINIMUM SALARY

AED 50,000

RATE

2.99%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Preferential interest rates and higher credit limits
  • Free travel and medical insurance
  • Shopping discounts at selected partners across the UAE

MINIMUM SALARY

AED 50,000

RATE

2.99%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn CBI Reward points from the first Dirham you spend on your CBI Rewards World Mastercard
  • No rewards cap
  • Unlimited free access to over 650+ airport lounges worldwide
  • Upto AED 150 cashback on cinema spend every month, any day, any cinema in Dubai and across UAE
  • CBI Lifestyle - unique dining and entertainment discount program
  • Hertz Gold Plus Rewards Five Star membership
  • Balance transfer - 0% interest for 3 months
  • Discounted Fast Track travel visa services offer
  • Travel insurance confirmation letter
  • Travel inconvenience insurance
  • Travel emergency insurance cover up to US $500,000
  • Mastercard Buy 1 Get 1 free offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • MyUS Online shopping benefits and offers
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip

Reward Features

Earn CBI Reward Points on all spends on your CBI Rewards World Mastercard:

 

  • Earn 2.5 reward points for every 1 AED of spend internationally
  • Earn 1.75 reward points for every 1 AED of spend in UAE when the transaction amount is over AED 2,000
  • Earn 1 reward point for every 1 AED of spend locally
  • You can redeem your reward points for free flights (including taxes), hotel stays, car rentals, cash vouchers, online shopping, utility bill payments or simply get cash back on your card. You can also donate your points to charity.

Things To Be Aware Of

  • 4th supplementary card onwards AED 105

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • No Annual Fee
  • Upto AED 150 cashback p.m. on ANY cinema spend in UAE

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • No annual fee on your CBI Mastercard Titanium Credit Card
  • Upto AED 150 cashback every month, any day, any cinema in Dubai and across the UAE
  • 1,000+ dining and lifestyle discounts via the CBI Lifestyle app
  • Complimentary airport lounge access in the Middle East & Levant
  • 0% interest Easy Payment Plans at partner outlets
  • Upto AED 150 worth of cashback on cinema tickets across UAE
  • Free supplementary CBI Mastercard Titanium Credit Cards for family members
  • Cash transfer loans at 1% p.m. flat interest rate
  • Exclusive Mastercard Priceless Arabia Offers

Things To Be Aware Of

  • 3 supplementary cards are free, AED 26.25 thereafter

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • 1,000+ dining and lifestyle discounts via the CBI Lifestyle

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Upto AED 150 cashback on cinema spend every month, any day, any cinema in Dubai and across UAE
  • 1,000+ dining and lifestyle discounts via the CBI Lifestyle app
  • Complimentary airport lounge access to 25+ lounges in the Middle East & Levant
  • Exclusive Mastercard Priceless Arabia Offers
  • Free supplementary CBI Rewards Platinum Mastercard cards for family members
  • Up to 30% discounts at Cleartrip.ae
  • Avis Car rental discounts
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Exclusive MyUS.com offers
  • Reebonz online shopping privileges
  • Mastercard Buy 1 Get 1 free offers
  • Luxury service apartment and hotel offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn CBI Reward Points on all spends on your CBI Rewards Platinum Mastercard

  • Earn 1 reward point for every 1 AED of spend internationally
  • Earn 0.5 reward points for every 1 AED of spend locally
  • You can redeem your reward points for free flights (including taxes), hotel stays, car rentals, cash vouchers, online shopping, utility bill payments or simply get cash back on your card. You can also donate your points to charity.

Things To Be Aware Of

  • 3 supplementary cards are free, AED 26.25 thereafter

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • No caps, no minimum spend, no redemption process & no spend
  • 3% on non AED spend | 2% on Grocery Spend | 1% on all Other
  • Unlimited access to 1000+ lounges worldwide
  • No Annual Membership Fee (AMF) subject to spend*
  • Airport Transfers: 2 rides per year

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.90%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

No annual fee in year 1. From  year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply

Key Features

  • No Annual Membership Fee (AMF) subject to spend*
  • Automatic cash back on all purchases, with no minimum spend:
  • 3% on Non-AED spend
  • 2% on Grocery Spend
  • 1% on all other spend
  • No caps (up to the credit limit each month), no redemption process and no spend categories excluded
  • Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app
  • Airport Transfers: 2 rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app
  • Talabat: 20% discount (up to AED 14) on grocery and food orders twice once month on the Talabat app. Use code “MASTERCARD” at checkout
  • Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
  • Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions
  • No AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies

Reward Features

Unlimited, Automatic Cashback on all Spend

 

3% cashback on all non-AED spend

2% cashback on all grocery/supermarket spend

1% on all other spend

 

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

Things To Be Aware Of

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

on Citibank site

MINIMUM SALARY

AED 12,000

RATE

3.5%

ANNUAL FEE

AED 400

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

MINIMUM SALARY

AED 12,000

RATE

3.5%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Key Features

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

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

 

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

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

Things To Be Aware Of

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

on Citibank site

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 750

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Complimentary Movies and Golf Offers
  • AED 350 cash back welcome bonus
  • Airport Transfers: 6 rides per year
  • 1 free Golf round per month at some best golf course in UAE

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 750

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

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

Citibank Terms & Conditions apply.

Key Features

  • AED 350 cash back welcome bonus (subject to payment of full annual fee)
  • Redeem points for cash back or transfer to 12 partner airlines including Emirates, Etihad, Turkish at a click of a button from Citi Mobile® App
  • Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders (+ 1 guest each) with MasterCard Travel Pass app
  • Airport Transfers: 6 rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app
  • Movies: 30% off 4 movie tickets per month at VOX cinemas
  • Talabat: 20% discount (up to AED 14) on grocery and food orders twice once a month on the Talabat app. Use code “MASTERCARD” at checkout
  • Golf: 1 free round per month at some of the best golf courses in UAE
  • Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
  • Marhaba Bronze Meet & Greet service once a year with fast-track for arrivals & departures at Dubai International Airport
  • Purchase Protection Cover (up to $5,000 p.a.) for damaged or stolen items within 90 days of purchase
  • Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions

Reward Features

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

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

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

- Redeem points for cash rebates or shopping vouchers

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

Apply Now

on Citibank site

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • No Annual Membership Fee (AMF) subject to spend*
  • Unlimited access to 1,100+ lounges worldwide
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • No annual fee in year 1

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

No annual fee in year 1. From  year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply


Key Features

  • No Annual Membership Fee (AMF) subject to spend*
  • Redeem points for cash back or travel-related spend at a click of a button from Citi Mobile® App
  • Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app
  • Airport Transfers: 2 rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app
  • Movies: 30% off 2 movie tickets per month at VOX cinemas
  • Talabat: 20% discount (up to AED 14) on grocery and food orders twice once a month on the Talabat app. Use code “MASTERCARD” at checkout
  • Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
  • Purchase Protection Cover (up to $5,000 p.a.) for damaged or stolen items within 90 days of purchase
  • Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions
  • No AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies

Reward Features

Earn 1.5 ThankYou® Points per USD on all grocery & non-AED spend and 1 ThankYou® Point per USD of AED spend

 

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

 

-- Choose from merchandise ranging from apparel to electronics to home goods and more

- Pay with Points for your purchases through SMS or Citibank Online

Apply Now

on Citibank site

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Free for life card.

Key Features

  • Earn up to 10% on department store shopping including ready-to-wear apparel, fashion accessories, sportswear etc.
  • Up to 3% unlimited Cash Up on utilities
  • 1% cash up on all other retail spends
  • Earn up to 5% on entertainment like tourist attractions, kids entertainment, dining etc.
  • 4 Complimentary Valet parking services every month across UAE
  • Free for Life
  • Free Zomato Gold Membership
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Discounts on dining, leisure and more with the Deem Offers app
  • Complimentary airport lounge access in 25+ lounges across the Middle East
  • Purchase protection cover up to 180 days from date of purchase
  • Up to 30% discounts on round trip international airfare or hotels from Cleartrip.com
  • Up to 15% on Avis car rentals worldwide
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn Cash up: 

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


Spend & Cash Up Tiers:

Dept Sores

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

Online shopping

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

Entertainment

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

All other Retail Purchses:  1%

Things To Be Aware Of

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

MINIMUM SALARY

AED 5,000

RATE

3.33%

ANNUAL FEE

AED 0

  • Dining Offer
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Up to 3% Cash Up at supermarkets, fuel and utilities
  • Complimentary airport lounge access
  • Exclusive deals & discounts through the Deem Offers app
  • 20% discount on 3 Careem rides every month
  • First year free

MINIMUM SALARY

AED 5,000

RATE

3.33%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

First year free and continue saving on Annual fee if your spend is greater than AED 2000 in a year.

Key Features

  • Enjoy attractive deals & discounts on casual dining, amusement parks, tourist attractions etc. via Deem Offers app
  • Earn up to 3% cash up on regular spend categories like supermarkets, fuel & utility bill payments (DEWA, SEWA etc.)
  • Complimentary airport lounge access
  • Free for the first year
  • Enjoy attractive deals and discounts with the Deem Offers app
  • 50% off on 3 movie tickets per month
  • 20% discount on 3 Careem rides every month
  • Up to 15% on Avis car rentals worldwide
  • Deem Double Secure protection which not only covers the credit card outstanding but also provides a nominee payout of equal amount

Reward Features

Earn Cash Up:

  • 3% unlimited Cash Up at supermarkets
  • 3% unlimited Cash Up on online shopping
  • Up to 3% on utilities & government services
  • 0.5% unlimited Cash Up on all other spends

Spend & Cash Up Tiers:

Dept Sores:

  • 0-499 - 1%
  • 500-999 - 2%
  • 1000-1999 - 3%

Utilities & Govt Services:

  • 0-999 - 1%
  • 1000-1999 - 2%
  • Above 2000 - 3%

Fuel:

All Spend - 3%

All other Retail Purchases: 0.5%

Things To Be Aware Of

  • Cash up tiers have specific spend based criteria
  • The Cash Up program applies to Retail Transactions only

MINIMUM SALARY

AED 5,000

RATE

3.33%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Earn up to 2x Miles on airline tickets & hotel reservations
  • Earn 2x Miles at supermarkets and grocery stores worldwide
  • First year free and second year based on annual spend
  • Complimentary airport lounge access
  • 20% discount on 3 Careem rides every month

MINIMUM SALARY

AED 5,000

RATE

3.33%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

First year free. Continue saving on this fee if your yearly spend is AED 12,000 or more

Key Features

  • Earn 2x Miles Up on flight tickets: Earn 2x Miles Up on flight tickets purchased through airlines or travel agencies or websites, worldwide.
  • 2x Miles Up on hotel reservations: Earn 2x Miles Up on hotel reservations made at hotel properties or their websites and travel booking websites, worldwide
  • Earn 2x Miles Up at supermarkets: Earn 2x Miles Up when you spend in Supermarkets for everyday needs
  • 0.5x on all other retail spends worldwide
  • Complimentary airport lounge access
  • Attractive deals and discounts on dining, amusement parks, tourist attractions, entertainment experiences and more with the Deem Offers app
  • 20% discount on 3 Careem rides every month
  • Up to 15% on Avis car rentals worldwide
  • Deem Double Secure protection which not only covers the credit card outstanding but also provides a nominee payout of equal amount

Reward Features

Earn Miles Up:

  • 2x Miles up on airline tickets purchased worldwide
  • 2x Miles up on hotel reservations
  • 2x Miles Up at Supermarkets when you spend on everyday needs
  • 0.5x Miles up on all retail spends worldwide

Minimum spend required to earn Miles Up on the Titanium Miles Up Credit Card is aed 1000.
The maximum Miles Up that the Customer can earn per billing cycle for all retail spend 50,000 Miles Up.
The Customer must have 10,000 Miles Up to be able to redeem their Miles Up for Rewards
Option of redeeming Miles Up against flights or hotel bookings, buying electronics or against gift vouchers listed on the Deem rewards online portal.

Things To Be Aware Of

  • Miles Up tiers have min monthly spend criteria AED 1000

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • 5% cashback on online purchases, utility bills, school fees
  • 5% cashback at the supermarket
  • 1% Cashback on everything else
  • Unlimited Airport Lounge access
  • 20% off on Careem rides

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.90%

Cash Advance Fee

3.00 % / Min 100

Joining Offers

No Annual fee

Key Features

  • 5% cashback on online purchases including utility bills, travel bookings, school fees, fashion, electronics and everything else you buy online.
  • Up to 10% additional cashback on 1,500+ ecommerce sites with www.shopsmart.ae
  • Complimentary airport lounge access across MENA
  • Access to premium health clubs
  • Mastercard Priceless Cities offers
  • Travel and lifestyle benefits
  • Special offers and 0% payment plans across a range of premium partners.

Reward Features

Earn Cashback: 

Dubai First Cashback Card offers unlimited cashback with instant earning & redemption through the Dubai First Mobile app. 

  • 5% cashback on online purchases (including utility bills, travel bookings, school fees, fashion, electronics and everything else you buy online)
  • 5% cashback at the supermarket
  • 1% cashback on everything else
  • Unlimited cashback earning
  • No minimum spend
  • Cashback everywhere you shop
  • Up to 10% additional cashback on 1,500+ ecommerce sites with Shopsmart

The Dubai First Cashback Card offers unlimited cashback as well as instant earning and redemption through the Dubai First Mobile App.

Things To Be Aware Of

  • Cashback is capped at max AED 1,000 p.m
  • 2.5% cashback if total spend is more than AED 20,000 p.m

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 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 10,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Free for life
  • Earn EI SmartMiles on all your purchases
  • Multiple cards for partners & employees
  • Unlimited complimentary airport lounge access

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Key Features

  • Multiple cards for your partners and your employees
  • Better control on business expenses such as business travel, dining, utility bill payments and much more
  • Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
  • 0% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Cash-On-Call facility through 24/7 phone banking service.
  • Earn EI SmartMiles on all your purchases
  • Wide range of redemption options - flights, hotels and other retail transactions
  • Easy payment plans for better cash flow management
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Mazaya Offers Programme
  • 8% discount on hotel bookings made at Hotels.com
  • Fine Dining Discounts
  • Kaligo Business Discounts
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Balance transfer facility on existing business credit cards from other banks
  • 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
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

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

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

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

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

Spend a minimum of AED 30,000  within 6 months

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

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

Key Features

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

Reward Features

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

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

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 314

  • Golf offers
  • Valet Parking
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Up to 8% cashback on your spends
  • Unlimited complimentary access to over 1000+ airport lounges
  • Switch between Lifestyle or Travel category any month
  • Two rounds of complimentary golf per month
  • 20% discount on the below Emaar Entertainment Attractions

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 314

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / AED 131.25

Joining Offers

Limited Time Offer - Welcome bonus of AED 500 as cashback points!*

*To be eligible for the bonus cashback points a minimum retail spend of AED 15,000 in 60 days of card open date is required. The cashback points will be credited to your EI Rewards account within 90 days of campaign end date i.e. latest by 31 December 2024.

Key Features

  • Rewards – Up to 8% Cashback on your spends.
  • Lifestyle – 4% Cashback on Supermarkets, Dining & Education with 8% Cashback on Fuel.
  • Travel - 4% cashback on Airlines, Hotels & Dining.
  • 2 "Buy 1 Get 1" complimentary movie tickets every month.
  • 2 rounds of complimentary golf per month.
  • Complimentary valet parking service per month.
  • 2 Bronze Meet & Greet services at Dubai Airport.
  • Unlimited Worldwide Airport lounge accesses for the cardholder.

Reward Features

Lifestyle

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

Travel

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


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

Things To Be Aware Of

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

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Free for life card
  • 3.5% cashback at Lulu stores and online
  • Buy 1 get 1 free on movie tickets at Vox Cinemas
  • Complimentary lounge access to over 10 regional airports

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

0% balance transfer with no processing fees.

Key Features

  • Earn up to 3.5 back as Lulu points on spends at Lulu stores and online
  • Exclusive privileges and offers at Lulu
  • 3 Complimentary tickets at Vox Standard under Buy1 get 1 offer
  • Free airport lounge access at over 10 lounges across the Middle East
  • Buy 1 Get 1 offers with the Entertainer app
  • Purchase protection cover up to 180 days from date of purchase
  • Up to 30% discounts on round trip international airfare or hotels from Cleartrip.com

Reward Features

Earn LuLu Points
  • Earn 3.5% on LuLu in-store and online spends
  • Earn 2% on fuel spends
  • Earn 1% on utility bill payment
  • Earn 0.35% on all other spends

Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED

Things To Be Aware Of

  • Min spend of AED 2,000 req for cinema offers

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 263

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Exclusive offers for Manchester United Football Club Fans
  • Earn "Red" rewards points on all spends
  • Up to 40% discount at over 100 golf courses worldwide
  • Complimentary lounge access to over 10 regional airports

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 263

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Activate your Card and you will recieve a Manchester United Home Jersey and Complimentary Manchester United 'RED Box'.

Key Features

  • Receive your memorable welcome gift as a die-hard Manchester United fan.
  • Complimentary Gift - The Manchester United 'RED Box'
  • Earn RED Points for domestic and international spends
  • Earn 2X on all international spend
  • Earn 5X RED Points on all Dining spends
  • Earn 10X RED Points on Sports Good Stores
  • Guaranteed lifetime gift on annual spend of AED 250,000 in a calendar year.
  • Exclusive offers for highest spenders every month, quarter and year
  • Exclusive "Red Deals"
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Enjoy exclusive benefits with Avis car rental services
  • Avail upto 40% discount at over 100 golf courses worldwide
  • Up to 30% at over 2,000 restaurants across the UAE , Middle East and Europe
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • MasterCard experiences and offers
  • Free 24/7 roadside assistance
  • Lifestyle Protector Insurance

Reward Features

Earn RED Points Rewards

  • 10 Red Points for every 1 AED at sports goods stores
  • 5 Red Points for every 1 AED at dining outlets
  • 2 Red Points for every 1 AED spent internationally
  • 1 Red Point for every 1 AED spent on all other retail purchases

Maximum Red Points for sports good stores and dining outlets in one billing cycle is 50,000 Red points. Red Points can be redeemed for gift vouchers, cash back.

Things To Be Aware Of

  • Max spend cap for spends on sports good stores and dining

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Up to 30% discount when you book with Cleartrip
  • Discounts on flights and holiday packages
  • Unlimited complimentary lounge access to over 25 airports

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

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
  • Dedicated concierge service
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 6 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Exclusive NBD Golf discounts program. 40% discount at over 100 golfcourses worldwide
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Up to 30% discount on travel booking made via Cleartrip
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Enjoy exclusive benefits with Avis car rental services
  • MasterCard Buy 1 get 1 offers
  • Mastercard Priceless Cities offers
  • 0% Easy Instalment Plan
  • MYUS Premium Shipping Discounts
  • Purchase protection of up to USD 5,000 per year

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 1.5 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 spends.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 420

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Complimentary access to over 10 VIP lounges
  • Enjoy MasterCard Buy 1 Get 1 offers
  • Earn rewards on all domestic & international spends
  • Exclusive offers and deals on travel, lifestyle & shopping
  • Get up to 40% discount at over 100 golf courses worldwide

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 420

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / Min 103.95

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
  • Exclusive NBD Golf discounts program. 40% discount at over 100 golfcourses worldwide
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Discounted chauffeur rides with Careem
  • Enjoy exclusive benefits with Avis car rental services
  • MasterCard Buy 1 get 1 offers
  • MarkaVIP online shopping discounts
  • Card fraud protection
  • 0% Easy Installment Plan
  • Sky Shopper

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points rewards on all domestic and international spends - 1 Plus Point for every AED 100 retail 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 spends.
  • 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.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 0

  • 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
  • Earn rewards on all domestic & international spends
  • Comprehensive lifestyle offers
  • Discounts on flights and holiday packages
  • Flexible payment options
  • Life time free card along with a AED 300 Noon.com Voucher

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply for a Platinum credit card and get it free along with a voucher worth AED 300 to spend on Noon.com.


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
  • Complimentary 2-for-1 Deals with Entertainer
  • Up to 2 airport transfers per calendar year
  • Access to over 200 airport restaurant offers globally
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 6 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • 10 complimentary tickets through Vox Buy1 Get1 and 20% off at Roxy Cinemas
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Salik auto top-up feature
  • 0% Easy Instalment Plan
  • Utility Bill Payments
  • Bon Appetit - Exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • 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

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 Plus Points rewards on all domestic and international spends-Earn up to 1.5 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 spends.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 15,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Air Miles
  • Roadside Assistance
  • No Annual fee
  • 2 Airport transfers per annum
  • 4 complimentary access to 1000 + airport lounges
  • Enjoy upto 4 movie tickets at discounted rates
  • Spend and win cash prizes

MINIMUM SALARY

AED 15,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.50 % / Min 105

Joining Offers

Spend and win cash prize

Every July:  January to June ( 6 months). Cummulative spend of AED 25000 in 6 months. Total winners per draw 20. Maximum wining amount  25000

Every January : 

January to December( previous year). 

Cummulative spend of AED 50000 in 12months. Total winners per draw 20. Maximum wining amount  50000

Cummulative spend of AED 25000 to AED 50000 in 12months. Total winners per draw 100. Maximum wining amount  1000.

Key Features

  • Avis Car rental discounts
  • Free airport lounge access at 1000+ airports
  • Complimentary valet parking
  • Free cinema offers
  • Buy 1 and Get 1 offers
  • Get up to 10% cashback all year round at leading global online stores
  • Earn Fab rewards on spend
  • Mastercard Global purchase protection
  • Mastercard Emergency assistance
  • Dining Offers and Hotel discounts
  • WARNING If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance.

Reward Features

The all-new Rewards on the FAB Mobile app

  • Earn up to 4 FAB Rewards for every AED 1 you spend
  • 25% extra FAB Rewards for your spending in Abu Dhabi
  • 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

3.75%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Roadside Assistance
  • Rent with Avis and get a complimentary upgrade , worldwide
  • No Annual Fee
  • Access to airport lounges across the Middle East
  • 20% off 3 rides on careem

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Spend and win cash prize

Every July:  January to June ( 6 months). Cummulative spend of AED 25000 in 6 months. Total winners per draw 20. Maximum wining amount  25000

Every January : January to December( previous year). 

  • Cummulative spend of AED 50000 in 12months. Total winners per draw 20. Maximum wining amount  50000
  • Cummulative spend of AED 25000 to AED 50000 in 12months. Total winners per draw 100. Maximum wining amount  1000.

Key Features

  • Complimentary airport lounge access
  • Attractive Avis Car Rental discounts
  • Discounted careem rides
  • Master card buy1 and get 1 offers throughout Middle East & Africa across fine dining, premium spas or activities
  • Shop smart Get up to 10% cashback all year round at leading global online stores using your FAB Credit Card and SHOP SMART through the Fab mobile app.
  • Select a loyalty program of your choice - rewards or cashback
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • Unlimited access to airport lounges across the Middle East
  • Emergency auto assistance
  • Balance Transfer

Reward Features

The all-new Rewards on the FAB Mobile app

  • Earn up to 2.5 FAB Rewards for every AED 1 you spend
  • 25% extra FAB Rewards for your spending in Abu Dhabi
  • 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 8,000

RATE

2.08%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • No annual fee
  • Enjoy 2 airport transfers every year
  • Exclusive offers and 5% cashback from Al-Futtaim showrooms
  • Enjoy access to airport lounges across the Middle East
  • Complimentary 0% balance transfer for up to 12 months

MINIMUM SALARY

AED 8,000

RATE

2.08%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn Al-Futtaim Stars on all purchases and redeem them for a range of travel benefits
  • Enjoy 0% EPP at Al-Futtaim showroom and storess
  • Complimentary 0% balance transfer for up to 12 months
  • 5% Cashback Rewards in the form of Al-Futtaim Stars for every AED 1 spent at Al-Futtaim showrooms and stores
  • Exclusive offers from Al-Futtaim showrooms and stores
  • Movie tickets from just AED 15 - at Cine Royal, Oscar Cinemas and Reel Cinemas
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Unlimited airport lounge access across select airports in the Middle East
  • Purchase protection cover
  • Global lost & stolen reporting service & emergency card replacement
  • Introducty interest rate of 2.08% for first year post which the standard rates apply
  • 3.25% with salary transfer and 3.5% without salary transfer

Reward Features

Exchange your Al-Futtaim FAB Rewards for an unmatched range of rewards

UP TO 10 AL-FUTTAIM FAB REWARDS FOR YOUR PURCHASES

Earn ten Al-Futtaim Rewards for every Dirham spent at Al-Futtaim’s stores, showrooms or schools, and two Al Futtaim FAB Rewards for every Dirham spent elsewhere. 

REDEEM YOUR AL-FUTTAIM FAB REWARDS FOR A HOST OF BENEFITS

Redeem your Al-Futtaim FAB Rewards for Etihad Guest Miles, Skywards Miles from Emirates, e-vouchers or cashback credited to your Al-Futtaim Credit Card. Your Al-Futtaim FAB Rewards can also be used at participating Al-Futtaim stores at the check-out counter to pay for your purchases.

EXCLUSIVE AL-FUTTAIM OFFERS

  • Get exclusive offers from Al-Futtaim brands.

Things To Be Aware Of

  • Some benefits require minimum spend

MINIMUM SALARY

AED 40,000

RATE

1.66%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • Premium card with no annual fee
  • Travel benefits including Meet & Greet, airport drop
  • Premium luxury lifestyle & travel benefits
  • 5% cashback Rewards in the form of Al-Futtaim FAB Rewards
  • Own personal travel advisor to the World Elite Air Program

MINIMUM SALARY

AED 40,000

RATE

1.66%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • 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
  • 5% Cashback Rewards in the form of Al-Futtaim Stars for every AED 1 spent at Al-Futtaim showrooms and stores
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Have your own personal travel advisor and access to the World Elite Air Programme
  • Enjoy 0% EPP at Al-Futtaim showrooms and stores
  • 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
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Instant upgrade to DISCOVERY Black-level membership, a loyalty programme of Global Hotel Alliance
  • Complimentary upgrade to Gold status in Qatar Airways Privilege Club
  • 40% discount on travel visa related services
  • Curated benefits through Priceless Arabia Mastercard offers
  • Exclusive discounts on Airport Meet & Greet services
  • Upto 8 discounted tickets at VOX
  • Upgrades, savings & discounts on select airlines through the World Elite Air Programme
  • 8 complimentary airport pick up and drop off services per calendar year
  • Complimentary access to 900+ lounges globally for the cardholder PLUS a guest
  • Complimentary Travel Accident Insurance cover of up to US $500,000
  • Rental vehicle collision and Loss Damage waiver of up to US $50,000
  • Global lost & stolen reporting service & emergency card replacement
  • Introductory rates of 1.66% for the first year post which the below applies
  • 3.5% for customers without salary transfer
  • 3.25% for customers with salary transfer

Reward Features

Exchange your Al-Futtaim FAB Rewards for an unmatched range of rewards

  • UP TO 10 AL-FUTTAIM FAB REWARDS FOR YOUR PURCHASES

    Earn ten Al-Futtaim Rewards for every Dirham spent at Al-Futtaim’s stores, showrooms or schools, and two Al Futtaim FAB Rewards for every Dirham spent elsewhere. 

  • REDEEM YOUR AL-FUTTAIM FAB REWARDS FOR A HOST OF BENEFITS

    Redeem your Al-Futtaim FAB Rewards for Etihad Guest Miles, Skywards Miles from Emirates, e-vouchers or cashback credited to your Al-Futtaim Credit Card. Your Al-Futtaim FAB Rewards can also be used at participating Al-Futtaim stores at the check-out counter to pay for your purchases. 

  • EXCLUSIVE AL-FUTTAIM OFFERS

    Get exclusive offers from Al-Futtaim brands. 

Things To Be Aware Of

  • Some benefits require minimum spend of AED 2,000

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Extended Warranty
  • Earn 5% cashback at Al-Futtaim brands with FAB Rewards
  • Get a complimentary 0% Balance Transfer for up to 12 months
  • Upto 4 movie tickets per month from AED 15
  • Enjoy 2 complimentary airport transfers per annum
  • Get up to AED 650 cashback with a Blue FAB Platinum Card

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 5,000

RATE

3.85%

ANNUAL FEE

AED 300

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • 5% cashback on supermarket, Dining and Grocery
  • Free airport transfers
  • Great grocery discounts and cashback

MINIMUM SALARY

AED 5,000

RATE

3.85%

ANNUAL FEE

AED 300

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min AED105

Joining Offers

AED 800 cashback bonus when you spend AED 5000 or above in the first 60 days. Get an AED 500 joining bonus when you spend AED 5,000 or more, or an AED 800 bonus when you spend AED 8,000 or more, within the first 60 days of card issuance.

Key Features

  • Get up to 40% off MakeMyTrip bookings
  • Free worldwide airport lounge access
  • Save more with 3% cashback on spending when travelling
  • Free airport transfers
  • Global Blue VIP services
  • Great grocery discounts and cashback
  • 5% cashback on dining out with 50% off Talabat orders
  • Free coffee with Costa
  • Head to the cinema with tickets for AED 20
  • Cashback on other spending and shopping

Reward Features

Supermarket Spending (Including Online)  

Cashback :5%

FAB Rewards : 17 FAB Rewards per AED 1 spent

 

Fashion  

Cashback : 5%

FAB Rewards : 17 FAB Rewards per AED 1 spent

 

Dining  

Cashback : 5%

FAB Rewards :17 FAB Rewards per AED 1 spent

 

All Other Spending (Excluding Select Categories)  

Cashback : 1%

FAB Rewards :3.5 FAB Rewards per AED 1 spent

 

Select Categories  

Cashback : 0.15%

FAB Rewards : 0.5 FAB Rewards per AED 1 spent

 

Non-AED Spending  

Cashback : 3%

FAB Rewards :10 FAB Rewards per AED 1 spent


Cashback is capped at AED 200 each on dining out, fashion shopping and grocery shopping.

Overall cap of AED 1,000 per month across all categories.

Cashback will be processed in equivalent FAB Rewards, redeemable instantly on the FAB Mobile app.

Things To Be Aware Of

  • Max cashback caps apply to specific categories
  • Foreign transaction fee is 2.49% + scheme charges
Apply Now

on First Abu Dhabi Bank (FAB) site

MINIMUM SALARY

AED 15,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • No annual fee
  • 10% cashback on du bills
  • Fab rewards are instantly redeemable for du bills
  • Access to airport lounges across the Middle East

MINIMUM SALARY

AED 15,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • 10% discount on du postpaid and home services
  • 10% bonus credit on prepaid line recharges
  • 10% discount on your du smartphone Privilege Plan monthly data charges
  • Accelerated First Reward points on du transactions
  • Select a loyalty program of your choice - rewards, miles or cashback
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • AVIS Car rental offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Talk for free
  • Tap & Go
  • Shop smart
  • Free access 6 times a year to VIP airport lounges worldwide
  • Free VIP Diamond Lounge Access at Abu Dhabi airport
  • Valet parking up to 5 times a month in Dubai & Abu Dhabi
  • Upto 4 discounted tickets at VOX
  • Balance Transfer

Reward Features

  • 10% cashback on your du postpaid line bills
  • 10% cashback on du home services bill payments
  • 10% cashback on prepaid line recharges
  • 10% cashback on your du smartphone Privilege Plan monthly data charges

You can benefit from the offers above after a minimum spend of AED 2,500 on your du Platinum Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.

  • Earn up to 4 FAB Rewards for every AED 1 you spend
  • Enjoy instant redemption and choose from an extensive selection of rewards, including shopping, cashback, utility bill payments, 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

3.75%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • No annual fee
  • 10% cashback on du bills
  • Fab rewards are instantly redeemable for du bills
  • Access to airport lounges across the Middle East

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • 10% discount on du postpaid and home services
  • 10% discount on du Smart Phone Privilege Plan
  • 10% bonus credit on prepaid line recharges
  • 10% discount on du home services bill payments
  • Accelerated First Reward points on du transactions
  • Select a loyalty program of your choice - rewards or cashback
  • Reward redemption against your du bill payments
  • Tap & go
  • Talk for free
  • Unlimited access to airport lounges across the Middle East
  • VIP Diamond Lounge Access
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • Balance Transfer

Reward Features

  • 10% cashback on your du postpaid line bills
  • 10% cashback on du home services bill payments
  • 10% cashback on prepaid line recharges
  • 10% cashback on your du smartphone Privilege Plan monthly data charges

You can benefit from the offers above after a minimum spend of AED 1,250 on your du Titanium Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.

  • Earn up to 2.5 FAB Rewards for every AED 1 you spend
  • Enjoy instant redemption and choose from an extensive selection of rewards, including shopping, cashback, utility bill payments, 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 8,000

RATE

3.99%

ANNUAL FEE

AED 399

  • Save up to 4.25% on school fees
  • 2% cashback on international spending and 1% on domestic
  • 15% off on Carrefour online two times every month.
  • Complimentary lounge access to over 1,000 lounges
  • 20% off at Emaar entertainment

MINIMUM SALARY

AED 8,000

RATE

3.99%

ANNUAL FEE

AED 399

Non AED Transaction Fee

2.61

Cash Advance Fee

3.15 % AED 157.5

Key Features

  • Enjoy no annual fee if you spend AED 24,000 or more on non-educational spending in the previous year.
  • Save up to 4.25% on school fees
  • Enjoy 10% cashback on bus, canteen, uniform purchases and non-school activities
  • Receive a 20% discount at Emaar attractions
  • 2% cashback on spending
  • Enjoy unlimited complimentary lounge access to over 1,000 lounges worldwide for you and a guest.
  • 20% off at Emaar entertainment and 10% off Al Montazah Parks.
  • 15% off on Carrefour online two times every month.
  • 30% off general admission tickets at IMG Worlds.

Reward Features

  • Save up to 4.25% on school fees
  • Enjoy 10% cashback on bus, canteen, uniform purchases and non-school activities
  • Receive a 20% discount at Emaar attractions
  • 2% cashback on spending

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 5,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • No Annual fee
  • Win a trip to Etihad Stadium to watch Manchester City
  • Win a chance to meet the Manchester City Team in the UK
  • Access to airport lounges across the Middle East

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

  • Exclusive Manchester City Football Club experiences
  • Win a trip to the Etihad Stadium to watch Manchester City in action
  • Win a chance to meet the Manchester City Team in the UK
  • Witness One of the Final Matches in the UK
  • Win official kids coaching lessons
  • Win Mall Vouchers
  • Shop Smart
  • Talk for free
  • Redeem loyalty points against MCFC merchandise
  • Select a loyalty program of your choice - rewards or cashback
  • Priceless Arabia Mastercard Offers
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • 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 10,000

RATE

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • A wide selection of travel and lifestyle credit cards
  • Get FAB Rewards equivalent of up to AED 10,000*
  • Enjoy market leading rates for Mortgages

MINIMUM SALARY

AED 10,000

RATE

ANNUAL FEE

AED 0

Non AED Transaction Fee

0

Cash Advance Fee

0

Joining Offers

  • FAB One Current Account or Personal Current Account plus FAB iSave Account plus FAB credit card ( FAB Cashback Card, FAB Rewards Signature, Etihad Guest Signature, Blue FAB Signature Card by Al Futtaim, FAB Share Platinum or FAB Rewards Platinum Credit Card) plus FAB Personal Loan or FAB Auto Loan or FAB Home Loan - AED 3750 ( UAE Nationals) and AED 2500 ( Expats)
  • Double your Bundle Rewards when you transfer your salary to FAB. 
  • Earn additional FAB Rewards worth AED 2,500 with a Personal or Auto Loan or Home Loan of AED 50,000 in addition to a credit card.

Key Features

  • FAB One Current Account Features:
  • Free debit card with lifestyle benefits
  • Free lounge access at selected airports for FAB Mastercard debit cardholders
  • Four free cash withdrawals from any ATM in the UAE
  • FAB Rewards on account balances
  • Free cheque books
  • No minimum balance charges
  • Free international remittances
  • FAB isave Account Features:
  • Up to 5.25% interest per year on new funds
  • No minimum balance requirement
  • No restriction on the number of withdrawals
  • Instant account opening through the FAB Mobile app
  • Credit Cards:
  • Instant credit card opening through the FAB Mobile app
  • Travel, lifestyle, and cashback benefits
  • FAB Rewards, cashback in Al-Futtaim FAB Rewards, SHARE points or Etihad Guest Miles for every transaction
  • 0% Easy Payment Plans, Quick Cash, Balance Transfers
  • Personal Loans :
  • Exclusive benefits for UAE Nationals
  • Interest rates starting from 4.74% per year
  • Loan amounts of up to AED 5 million
  • First installment grace period up to 210 days
  • Exclusive benefits for expatriates:
  • Interest rates starting from 5.34% per year
  • Loan amounts up to AED 2 million
  • First installment grace period up to 120 day
  • The option of a non-salary Transfer Personal Loan with competitive terms if your employer is not on FAB’s Approved List of Employers
  • Car Loans:
  • Loans of up to AED 1.5 million or 80% of the car value
  • Exclusive Benefits for UAE Nationals
  • Competitive profit rates as low as 2.15% (equivalent to a reducing rate of 4.10%) per year
  • Exclusive Benefits for Expatriates
  • Competitive profit rates as low as 2.29% (equivalent to a reducing rate of 4.35%) per year
  • Home Loans:
  • Own your own home with FAB’s range of mortgage options and rates starting from 3.99%.
  • Low down payments, high loan amounts, flexible rate options and helpful mortgage advisers
  • Up to 85% financing for first-time buyers
  • No approval-in-principle fee
  • *Offer valid for the new and selected existing customers only. Products need to be availed within 60 days .

MINIMUM SALARY

AED 8,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Roadside Assistance
  • No Annual Fee
  • Choice of different loyalty rewards types
  • Free Cinema Tickets
  • Airport Transfers Facility

MINIMUM SALARY

AED 8,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.50 % / Min 105

Joining Offers

Spend and Win Cash Prizes !

Key Features

  • Free VIP Diamond Lounge Access at Abu Dhabi airport
  • 4 movie tickets per month for AED 15 with Reel Cinemas, Cine Royal and Oscar Cinema
  • 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
  • Free Airport Transfers
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Accident care plan
  • 4 free months of Anghami Plus
  • Emergency auto assistance
  • Balance Transfer
  • WARNING If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance.

Reward Features

  • Earn 1 Star for every AED 1 spent on domestic purchases. 
  • Earn 1.75 Stars for every AED 1 spent on international purchases.

First Reward Point:

  • Earn 1 First Reward Point per AED on domestic spends.
  • Earn 2 First Reward Points on International Spends and Bonus First Rewards points shall be awarded for a minimum cumulative spend of AED 500 and maximum spend of AED 20,000 during a given month.
  • Earn 2 First Reward points for supermarket transactions.

Things To Be Aware Of

  • Some benefits require minimum spends per month

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 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

3.33%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Up to 50% Cashback;Instant AED 400 on successful referral
  • 55+ dining and lifestyle discounts
  • 50% Cashback on movie tickets
  • Free Supplementary Cards

MINIMUM SALARY

AED 5,000

RATE

3.33%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.85%

Cash Advance Fee

3.00 % / AED 200

Key Features

  • Exceptional deals and discounts through Value House
  • Free supplementary credit cards
  • Receive 50% cashback on your movie ticket across all cinemas in UAE
  • Balance Transfer & Easy Cash at amazingly low preferential interest rate starting 1.25% per month with ZERO Processing Fee

Reward Features

Earn up to 50% Cashback and an instant AED 400 on each successful referral!

Things To Be Aware Of

  • Min spend of AED 3000 p.m. for free movie tickets

MINIMUM SALARY

AED 5,000

RATE

3.33%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Air Miles
  • 55+ dining and lifestyle discounts
  • 50% Cashback on movie tickets
  • Free Supplementary Cards

MINIMUM SALARY

AED 5,000

RATE

3.33%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.85%

Cash Advance Fee

3.50 % / AED 200

Key Features

  • Exceptional deals and discounts through Value House
  • Free supplementary credit cards
  • Receive 50% cashback on your movie ticket across all cinemas in UAE!
  • Balance Transfer & Easy Cash at amazingly low preferential interest rate starting 1.25% per month with ZERO Processing Fee
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Complimentary access to over 25+ lounges in the Middle East, Levant & select locations globally for the cardholder
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Things To Be Aware Of

  • Min. spend of AED 3000 p.m. for free movie tickets

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 0

  • Airport Lounge Access
  • Travel Insurance
  • Free for life

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 0

Non AED Transaction Fee

-

Cash Advance Fee

3.00 % / AED 200

Key Features

  • Free for life card
  • Competitive profit rate
  • Exceptional deals and discounts through Value House
  • 1% referral program for introducing prospect customers
  • Enjoy privileged access to Airport Lounges around the world
  • Free supplementary covered cards
  • Transparency of fees and charges
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • 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 access to 900+ lounges globally for the cardholder
  • Complimentary access to 900+ lounges globally for the cardholder
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Things To Be Aware Of

  • Wakala Fees AED 150

MINIMUM SALARY

AED 10,000

RATE

3.69

ANNUAL FEE

AED 630

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Air Miles
  • No annual fee for the 1st year AED 630 from year 2 onwards
  • Enjoy 8 Fitness First visits a month for AED 1 each*
  • Complimentary 12-month Careem Plus subscription
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month

MINIMUM SALARY

AED 10,000

RATE

3.69

ANNUAL FEE

AED 630

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.15 % / AED 105

Joining Offers

Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.

Key Features

  • Earn 1 Air Mile for every AED 1 you spend, redeemable on flights, hotels, education, and shopping vouchers
  • Earn up to AED 800 cashback as joining bonus
  • Enjoy 8 Fitness First visits a month for AED 1 each when you spend over AED 6,000 a month.
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • Get Buy 1 Get 1 Free tickets at Vox cinemas twice a month, upon meeting the minimum monthly spend of AED 6,000.
  • Get Buy 1 Get 1 Free tickets at Reel cinemas twice a month, upon meeting the minimum monthly spend of AED 6,000.
  • Enjoy a complimentary 12-month Careem Plus subscription.
  • Access a range of rewards on shopping, dining, and more, worldwide.
  • Get 12 complimentary visits per year for you and additional cardholders to over 1,000 airport lounges when you make at least 1 international purchase of USD 1 with your HSBC Visa card 15 days before you travel.
  • Save at over 200 airport restaurants worldwide with the DragonPass Dine & Travel App (terms and conditions apply).
  • Get up to 8% off accommodation with Booking.com when you book using your credit card.
  • Enjoy deals on shopping, travel, dining, and more worldwide with home&Away.
  • Complimentary travel insurance cover of up to USD 500,000 for you and your family on trips up to 90 days.
  • Pay no annual fee for the first year; the fee is waived thereafter when you spend at least AED 12,000 annually.
  • Double the Air Miles earned when you spend over AED 3,000 a month on your Max Rewards Credit Card.

Reward Features

Air Mile for every AED 1 spend. Exchange or redeem your Air Miles for flights, hotels as well as education and retail voucher

Double your Air Miles on your dining, entertainment, fitness, travel and more when you spend more than AED 3,000 a month

Complimentary access to gyms, entertainment, dining, travel benefits and more, based on your monthly spend

Where minimum spend of AED 3,000 is not met and for ‘All other spends’, the Air Miles rate is 1 Air Mile on each AED 1 spend. Lifestyle shopping includes apparel, electronics, online marketplace retailers, personal care and furniture, as defined by Visa


Apply Now

on HSBC site

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Air Miles
  • No annual fee
  • Earn cashback on all spends
  • Lifestyle benefits (valet parking, airport drops etc.)

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Annual Fees waived
  • Complimentary Global Internet Calling
  • Complimentary U by Emaar loyalty program membership
  • Earn 1.25% cashback on local spends & 2% on international spends
  • Unlimited access to over 25 Regional and International Airport lounges
  • Complimentary workouts at select gyms in Dubai & Abu Dhabi
  • Free round of golf at Arabian Ranches Dubai
  • 2 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • 2 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights

Reward Features

Earn Cashback

  • Earn 1.25% cashback on local spends
  • Earn 2% cashback on international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require minimum spend criteria to be met

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • Premium card with no annual fee
  • Earn cashback on all spends
  • Premium lifestyle benefits

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Premium card with annual fees waived
  • Complimentary U by Emaar Loyalty program membership
  • Complimentary Global Internet Calling
  • Earn 1.5% cashback on local spends & 2% on all international spends
  • Unlimited access to over 900 airport lounges across the world
  • 4 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • 2 complimentary Marhaba meet & greet services per year
  • Complimentary nights at SPG Hotels and Resorts
  • 3 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights
  • Free round of golf at Arabian Ranches Dubai
  • Exclusive Dubai Opera offers
  • MyUS.com & Reebonz offers and discounts
  • Luxury Service Apartment offers
  • Special Hertz and Avis car rental offers and discounts
  • Travel inconvenience and travel medical insurance with cover of up to US $500,000

Reward Features

Earn Cashback

  • Earn 1.5% cashback on your local spends
  • Earn 2% cashback on your international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require minimum spend criteria to be met

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • No annual fee in 1st year
  • FlySmiLes Silver Tier privileges

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Get 10,000 bonus miles with Srilankan airlines
  • Earn 1 FlySmiLe for every US Dollar spent
  • FlySmiLes Silver tier privileges
  • 2 Complimentary visits to select airport lounges worldwide
  • Unlimited complimentary access to Marhaba Lounges across airports in the Middle East
  • oneworld airline alliance’s Frequent Flyer Programme

Reward Features

Earn FlySmiLes

Earn 1 FlySmiLe for every US Dollar spent.

Things To Be Aware Of

  • Annual fee from 2nd year is AED 300

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Premium card with no annual fee
  • Extensive premium lifestyle benefits
  • Earn cashback on all spends

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / Min 100

Key Features

  • Premium card with annual fees waived
  • Complimentary U by Emaar Loyalty program membership
  • Complimentary Global Internet Calling
  • Earn 1.5% cashback on local spends & 2% on all international spends
  • Unlimited access to over 900 airport lounges across the world
  • 6 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • 2 complimentary Marhaba meet & greet services per year
  • Complimentary nights at SPG Hotels and Resorts
  • 4 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights
  • Free round of golf at Arabian Ranches Dubai
  • Exclusive Dubai Opera offers
  • MyUS.com & Reebonz offers and discounts
  • Luxury Service Apartment offers
  • Special Hertz and Avis car rental offers and discounts
  • Travel inconvenience and travel medical insurance with cover of up to US $500,000

Reward Features

Earn Cashback

  • Earn 1.5% cashback on local spends
  • Earn 2% cashback on international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require min spends criteria to be met

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 400

  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Dining Offers
  • Health & Fitness
  • Life Insurance
  • Contactless Tech
  • Roadside Assistance
  • Joining offer of 15,000 Air Rewards points
  • Complimentary airport pick up & drop off up to 6 times/year
  • Annual Fee waiver 2nd year onwards(if spend criteria met)
  • Roadside assistance and Concierge services

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Joining Bonus -15,000 AirRewards Points Equivalent to a return ticket: A Joining Bonus of 15,000 AirRewards Points will be credited upon payment of Joining Fee and a minimum retail spend of AED 5,000* in first 3 months.

Key Features

  • A Joining Bonus of 15,000 AirRewards Points
  • Annual Fee will be waived from the second year onwards if spend criteria met
  • Complimentary airport pick up & drop off up to 6 times a year
  • Get complimentary return flight ticket once every year against a minimum retail spend of AED15,000
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Complimentary excess baggage and in-flight meal vouchers in Air Arabia flights
  • Cleartrip Airline Discounts up to 30%
  • Car rental offers from Avis
  • Lowest minimum monthly payment of just 3%
  • Complimentary Vehicle Registration with pick up and drop
  • Discounted Chauffeur Rides with Careem
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Privileged discounts on dining and shopping
  • MyUS Premium Shipping Discounts
  • Bicester Village Shopping
  • Reebonz Online Shopping Privileges
  • Special dining offers and privileges at 220 restaurants and outlets across the UAE
  • Travel accident insurance cover up to USD 150,000

Reward Features

AirRewards - Air Arabia's loyalty program

  • 1.75 AirRewards Points for every 5 AED spent at www.airarabia.com
  • 1.25 AirRewards Points for every 5 AED spent within UAE
  • 1.75 AirRewards Points for every 5 AED spent outside UAE
  • 0.30 AirRewards Points for every 5 AED spent under the category of Government Services, Bill Payments (Telecommunication & utility), Real Estate, Car Rentals, Transport and Petrol/Gas Stations.

Things To Be Aware Of

  • Only retail transactions eligible for joining bonus offers
  • The ticket will only cover the base fare

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 10,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • No Annual Fee ever
  • Rewards redemption not restricted to any specific airline
  • Exclusive Dining & shopping discounts globally
  • Free Roadside Assistance & Concierge Services

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 350,000 standard RAKrewards monthly on all spends
  • Choice of redeeming your Rakrewards against a wide bouqet of services worldwide
  • Enjoy up to 30% quarterly bonus RAKrewards
  • Earn extra RAK rewards on cinema spends
  • No annual fee EVER
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Travel accident insurance cover up to USD 150,000
  • Privileged discounts on dining and shopping
  • Complimentary Buy 1 Get 1 offers in Middle East & Africa
  • Privileged discounts on dining and shopping
  • Car rental offers from AVIS
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Complimentary access to over 25+ lounges in the Middle East, Levant & select locations globally for the cardholder
  • MyUS Premium Shipping Discounts
  • Bicester Village Shopping
  • Reebonz Online Shopping Privileges
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Special dining offers and privileges at 220 restaurants and outlets across the UAE

Reward Features

Earn RAKrewards

Monthly Spend Tier & RAKrewards earned per 1 AED:

  • Up to AED 14,999 - 3 (international), 1.75 (domestic)
  • Above AED 15,000 - 5 (international), 3 (domestic)

Quarterly Spend Tier & bonus RAKrewards rate:

  • AED 15,000 to AED 19,999 - 10% (33,333 max cap)
  • AED 20,000 to AED 24,999 - 20% (75,000 max cap)
  • Above AED 25,000 - 30% (max cap 138,889)

Cinema Reward Offerings

Overall monthly spend             On cinema spend          RAKrewards
AED 5000 and above                     AED 1                           50

 

Maximum RAKrewards monthly cap on cinema spend is 10,000.

Things To Be Aware Of

  • Some categories will earn 0.35 RAKrewards per AED 1 spent

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Contactless Tech
  • Air Miles
  • Earn "Goldback" on all spends
  • Additional saves on spends at Kalyan Jewellers
  • No annual fee ever

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Redeem Goldback earned against any purchase at Kalyan Jewellers outlets in UAE
  • No annual fee EVER!
  • Cash Advance of up to 80% of your Credit Limit
  • Exclusive offers on electronics, jewellery, holidays, dining, furnishing and much more
  • Privileged discounts on dining and shopping
  • Lowest minimum monthly payment of just 3%
  • Discounted Chauffeur Rides with Careem
  • Complimentary Buy 1 Get 1 offers in Middle East & Africa
  • Complimentary access to over 10 VIP lounges in UAE, Jordan, Kuwait and Egypt
  • 0% Easy Payment Plan on diamond and gold jewellery
  • Exclusive global discounts and privileges on premium brands and hotels

Reward Features

Earn Goldback

Monthly Spend Tier & Goldback% on International spends:

  • Up to AED 14,999 - 2% (Kalyan Jewellers), 3% (other spends)
  • AED15,000 to AED 29,999 - 2% (Kalyan Jewellers), 4% (other spends)
  • Above AED 30,000 - 2% (Kalyan Jewellers), 5% (other spends)

Monthly Spend Tier & Goldback% on Domestic spends:

  • Up to AED 14,999 - 1.5% (Kalyan Jewellers), 1% (other spends)
  • AED15,000 to AED 29,999 - 1.5% (Kalyan Jewellers), 2% (other spends)
  • Above AED 30,000 - 1.5% (Kalyan Jewellers), 3% (other spends)

Other conditions:

  • Max AED 2,000 per month on non-Kalyan Jewellers international spend
  • Max AED 1,200 per month on non-Kalyan Jewellers domestic spend
  • Up to 5% Goldback on international Cash Advances and Internet Transactions
  • Easily redeem your Goldback earned against any purchase at Kalyan Jewellers outlets in UAE within 15 months

Things To Be Aware Of

  • Minimum spend requirement to avail Goldback is AED 15000
  • Non-Kalyan jewellers spends have max Goldback reward caps

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Free for life card
  • Up to 9 Supplementary Cards free
  • Purchase protection & travel insurance

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1% cashback on all international & domestic spends
  • No annual fee EVER!
  • Balance Transfers at 1.50% p.m
  • Up to 9 Supplementary Cards free
  • Low interest rate on outstanding Retail Purchases
  • Up to 55 days interest free credit
  • Purchase Protection up to 30 days from date of purchase
  • Travel accident insurance cover up to USD 150,000
  • Minimum monthly payment of just 3%
  • Privileged discounts on dining and shopping
  • Enjoy great dinning offers from RAKfeast!
  • 0% Easy Payment Plan

Reward Features

Earn Cashback

  • Upto 1% Cashback* on total monthly Domestic Retail Purchases subject to a minimum monthly retail spend of AED 1,000
  • up to 1% Cashback* on all International Retail Purchase Transactions including Cash Advances and Internet Transactions
  • Maximum Cashback Cap on both International and Domestic Spends per billing month will be AED 300

All spends under the category of Bill Payments (Telecommunication & utility), Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.

Things To Be Aware Of

  • Max cashback on all spends is AED 300 p.m

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Roadside Assistance
  • Earn up to 3.75 RAKrewards per AED of spend
  • Chance to win 500,000 RAKrewards every 3 months
  • Earn RAKrewards on all spends
  • Free for life
  • Cardless cash withdrawals

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 3.75 RAKrewards per AED of spend
  • Free for life
  • Earn RAKrewards on all spends
  • Complimentary access to over 25+ lounges in the Middle East, Levant & select locations globally for the cardholder
  • Earn Triple RAKrewards on Fuel and up to 10,000 RAKrewards on cinema spends
  • Chance to win 500,000 RAKrewards every 3 months
  • Cardless payments with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay or Garmin Pay plus cardless cash withdrawals at contactless enabled RAKBANK ATMs
  • You benefit from the RAKrewards partnerships to earn and redeem your rewards
  • Redeem rewards for Vouchers for Dining, Desert Safari, Boating adventure, Marhaba service, Rent a Car, wide range of electronics and home appliances and many more
  • 10 Complimentary tickets on Sundays in month at VOX Standard and 20% off at Roxy
  • Avail a discount of up to 15% on retail rates over 450 destinations globally
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Exclusive Avis car rental discounts
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Purchase Protection up to 30 days from date of purchase
  • Minimum monthly payment of just 3%

Reward Features

Earn RAKrewards

Monthly Spend Tier & RAKrewards earned per 1 AED:

  • Up to AED 14,999 - 2.5 (international), 1.25 (domestic)
  • Above AED 15,000 - 3.75 (international), 2.5 (domestic)
  • Government spend, telecom, real estate & utilities will earn 0.35 RAKrewards per 1 AED spent
  • Max Cap - 166,667 (each for domestic & international)

Monthly Spend Tier & RAKrewards per 1 AED on Fuel:

  • Up to AED 14,999 - 3.75
  • Above AED 15,000 - 7.5

Monthly Spend Tier & RAKrewards per 1 AED on Cinema:

Above AED 5,000 - 50

Redeem online, anytime against flights, hotels and range of products and services.

Things To Be Aware Of

  • Minimum spend requirement to avail Rakrewards is AED 15000
  • Min. threshhold required to redeem Rakrewards is 1000 points

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Exclusive discount at nmc hospitals
  • Free for life card
  • Earn cashback on all spends

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1% cashback on all international & domestic spends
  • No annual fee EVER!
  • Get wellness benefits such as 10% discount on X-ray, Ultra Sound, Mammography, CT and MRI scans at NMC Hospitals
  • This Card also replaces the registration card of UAE Exchange and nmc & National Hospitals
  • Low interest rate on outstanding Retail Purchases
  • Up to 55 days interest free credit
  • Purchase Protection up to 30 days from date of purchase
  • Travel accident insurance cover up to USD 150,000
  • Minimum monthly payment of just 3%
  • Privileged discounts on dining and shopping
  • Enjoy great dinning offers from RAKfeast!
  • 0% Easy Payment Plan

Reward Features

Earn Cashback

  • Earn up to 1% cashback  on all international & domestic spends
  • Maximum cashback on both international and domestic spends per billing cycle is AED 300
  • Government spend, real estate, telecom, fuel & utilities will earn 0.25% cashback per 1 AED spent.

Things To Be Aware Of

  • Max cashback on all spends is AED 300 p.m

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Earn up to 1.5% discounts on all spends
  • No annual fee ever

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Get up to 1.5% discount on both local and international transactions
  • Free for life
  • Free international remittance every month
  • RAKMoneyTransfer with Credit Cards
  • Purchase Protection up to 30 days from date of purchase
  • Travel accident insurance cover up to USD 150,000
  • Enjoy up to 30% Discount at over 2,000 restaurants
  • "Dream It. Live it - Spend, win & live free"
  • offers 0% Easy Payment Plan

Reward Features

Get discounts on all spends

Monthly Spend Tier & Discount earned:

  • AED 1,000 to AED 2,999 - 1%
  • Above AED 3,000 - 1.50%

Max. discount Cap of AED 300 per month.

Government spend, utilities, telecom, real estate and fuel will earn 0.25% discount per 1 AED spent

Things To Be Aware Of

  • Max discount cap- lower of AED 300 or 2% of the credit limit
  • Discounts are shown as savings in your Card statement

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Dining Offers
  • Health & Fitness
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Exclusive card for business owners and no annual fee ever
  • High Cash advance Limits with 1% cashback on Cash Advance
  • Easy Credit Card Cheque (CCC) facility
  • No minimum spend criteria for earning cashback
  • Additional Business Credit Cards for your key employe

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.45 % / 2%

Key Features

  • Enjoy 1% Cashback* on all domestic and international- retail, internet, cash transactions
  • Additional Business Credit Cards for your key employees
  • Cash Advance of up to 90% of your Credit Limit
  • High Credit limit
  • Easy Credit Card Cheque (CCC) facility
  • No annual fee EVER!
  • Low interest rate on outstanding Retail Purchases
  • Enjoy great dinning offers from RAKfeast!
  • Premium Travel Benefits from MasterCard®
  • Premium Lifestyle privileges
  • Exclusive covers and discounts on premium rates on Office and Business insurance plans
  • Purchase Protection up to 30 days from date of purchase
  • Travel accident insurance cover up to USD 150,000
  • Unlimited airport lounge access at Dubai, Abu Dhabi, Cairo, Ku

Reward Features

Enjoy 1% Cashback* on all domestic and international retail, internet, cash transactions 

Note: Maximum Cashback is AED 1,000 per month.      

All spends under the category of Bill Payments (Telecommunication & utility), Government services, Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.

Things To Be Aware Of

  • Max cashback on all spends is AED 1,000 p.m

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Air Miles
  • Free for life
  • 5% Cashback on Supermarkets and Dining
  • Upto 50% Cashback on Cinemas
  • Minimum monthly payment of only 3%

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn 5% Cashback on Supermarkets, Dining & Fuel
  • Earn Upto 50% Cashback on Cinemas
  • Earn up to 2% Cashback on Domestic & International purchases
  • No annual fee
  • EVER Purchase Protection up to 30 days from date of purchase
  • Upto 4 discounted tickets at VOX at 50% off
  • Travel accident insurance cover up to USD 150,000
  • Privileged discounts on dining and shopping
  • Lowest minimum monthly payment of just 3%
  • Complimentary Buy 1 Get 1 offers in Middle East & Africa
  • Discounted Chauffeur Rides with Careem
  • Complimentary access to over 10 VIP lounges in UAE, Jordan, Kuwait and Egypt
  • Lifestyle Privileges and Great dining offers

Reward Features

Earn Cashback on all spends

  • 5% Cashback on Supermarkets & Dining (max AED 150 p.m)
  • Upto 50% Cashback on Cinemas (max AED 70 p.m)
  • Government spend, fuel, utilities, telecom & Real Estate will earn 0.25% cashback

 If your Cashback on Supermarket, Dining and Cinemas exceed the monthly maximum Cashback cap for these categories, then the excess spend amount in these categories will earn you Cashback at standard Cashback rates.

Monthly Spend Tier & Cashback on all other spends:

Standard Cashback*
In addition to the above you will earn up to 2% Cashback on your Domestic & International Retail Purchase Transactions, Internet Transactions and International Cash Advances

  • Up to AED 14,999 - 1%
  • Above AED 15,000 - 2%

Max cashback payable across all categories = 1,500 p.m

*Effective April 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Health & Beauty, Club Membership, Computer Services, Automobiles & Vehicles and Insurance Services will earn 0.25% cashback for every AED 1 spent. 

*Effective May 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.25% cashback for every AED 1 spent.

The minimum threshold to redeem cashback for the Titanium card is AED 500.

Transactions made through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs, ATM’s, Branches or any other RAKBANK payment channels will not be eligible for any cashback/rewards.

Things To Be Aware Of

  • Min AED 5,000p.m spend for extra cashback on some categories
  • Extra cashback categories spend excluded from total spend

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • Free for first year
  • Excellent cashback benefits on Domestic & Int. spends
  • 50% off at VOX cinema tickets
  • Free Delivery of Fuel by CAFU at your doorstep
  • Free Travel Accident & Medical Cover

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 10% cashback on travel & supermarket spends
  • Enjoy 50% cashback on movie tickets at cinemas worldwide
  • Earn up to 5% cashback on all international spends & up to 3% cashback on domestic spends
  • Complimentary lounge access for yourself and a guest to 850+ airport lounges globally
  • Upto 4 discounted tickets at VOX at 50% off
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Free Delivery of Fuel by CAFU at your doorstep
  • Complimentary airport pick up or drop 6 times a year in UAE or 3 times in India
  • Travel accident & medical cover up to USD 500,000
  • Fairmont, Raffles, and Swissotel Spa Offers
  • SPG Hotel and Resorts Offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • Mastercard Priceless Cities offers
  • Exclusive dining offers at leading restaurants