+971

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 6,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Life Insurance
  • RTA Nol Card related benefits
  • Exclusive cinema offers Earn Plus Points on all spends
  • Life time free card along with a AED250 Noon.com Voucher.
  • Complimentary life insurance pls refer to more details page

MINIMUM SALARY

AED 6,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Life time free credit card along with a AED 250 Noon.com voucher.  Apply online now!


Key Features

  • Use your Go4it Card like the RTA Nol Card as well as a credit card
  • Earn Plus Points rewards on all spends
  • 4 tickets discouted at 47.25AED for 2 at Standard Vox.
  • Earn Plus Points rewards on all spends
  • 0% Easy Instalment Plan
  • Earn additional Plus Points on weekends and on RTA spends
  • Redeem Plus Points for gift vouchers, top up for your Nol Tag ID, frequent flyer miles, annual membership fee waivers, or even cash back
  • Salik Auto Top Up
  • Bon Appétit - An exclusive dining experience
  • Free rides on Dubai Ferry
  • Discounts on air tickets and holiday packages
  • Complimentary Life Insurance (AED 75,000)
  • International Medical & Travel Assistance
  • Utility Bill Paments
  • SkyShopper-Your online marketplace for deals and discounts
  • Lifestyle Protector Insurance
  • Auto top up facility for Nol top up
  • 8% discount on hotel bookings made at Hotels.com

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 5 Plus Points for every AED 400 spend on weekends.
  • Earn up to 4 Plus Points for every AED 400 spend on RTA.
  • Earn up to 1 Plus Points for every AED 400 spend on weekdays.

Things To Be Aware Of

  • Some benefits require min average 3monthly spend of AED2,000

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • RTA Nol Card related benefits
  • Exclusive cinema offers
  • Earn Plus Points on all spends
  • Life time free card along with a AED 250 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

Life time free credit card along with a AED 250 Noon.com voucher.  Apply online now!


Key Features

  • Use your Go4it Card like the RTA Nol Card as well as a credit card
  • Access to Gold class and fare payment of Gold Class from Nol Tag ID
  • Auto top up facility for Nol top up
  • Earn Plus Points rewards on all spends
  • 6 discounted tickets at Vox along with 10 complimentary under buy1 get 1 at Vox standard. 20% off at Roxy cinema during weekdays.
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Earn additional Plus Points on weekends and on RTA spends
  • Redeem Plus Points for gift vouchers, top up for your Nol Tag ID, frequent flyer miles, annual membership fee waivers, or even cash back
  • Exclusive offer on movie tickets
  • Salik Auto Top Up
  • Utility Bill Payments
  • Bon Appétit - An exclusive dining experience
  • Free rides on Dubai Ferry
  • Discounts on air tickets and holiday packages
  • Complimentary Life Insurance (AED 100,000)
  • Lifestyle Protector Insurance
  • International Medical & Travel Assistance
  • Purchase Protection for lost, stolen or damaged goods purchased
  • Extended Warranty
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn Plus Points rewards:

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.
  • Earn  5 Plus Points for every AED 200 spend on weekends.
  • Earn  4 Plus Points for every AED 200 spend on RTA.
  • Earn  1 Plus Points for every AED 200 spend on weekdays.

Things To Be Aware Of

  • Some benefits require min average 3monthly spend of AED3,000

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
  • Up to 2 free VOX cinema tickets per month
  • Life time free card along with a AED 250 Noon.com Voucher

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min AED 99

Joining Offers

AED 300 noon.com e-voucher for all your online shopping!


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 0

  • 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
  • Anniversary Gift (spend based)
  • Life time free card along with a AED 250 Noon.com Voucher.

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

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

AED 250 noon.com e-voucher for all your online shopping.

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 0

  • 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
  • Comprehensive lifestyle offers
  • Discounts on flights and holiday packages
  • 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
  • Dedicated concierge service
  • Up to 2 airport transfers per calendar year
  • 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 0

  • Golf offers
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Life time free card along with a AED 250 Noon.com voucher
  • Enjoy MasterCard Buy 1 Get 1 offers
  • Earn rewards on all domestic & international spends

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Life time free credit card along with a AED 250 Noon.com voucher.  Apply online now!


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 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Life Insurance
  • Contactless Tech
  • Life time free card along with a AED 250 Noon.com voucher
  • Discounts & offers at Emaar establishments

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Life time free credit card along with a AED 250 Noon.com voucher.  Apply online now!


Key Features

  • Silver U by Emaar Status
  • 20% off on dining across Emaar Hospitality Group
  • 20% off spas at Emaar Hospitality venues
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 3 Complimentary tickets at Vox Standard under Buy1 get 1 offer
  • 30% off entertainment
  • Buy One Get One free on movie experiences
  • Hotel discounts via Agoda.com

Reward Features

Earn Emaar Upoints

  • Earn 50 Upoints per AED 100 on all spends at Emaar
  • Earn 10 Upoints per AED 100 on all spends outside Emaar

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 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 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 5,000

RATE

3.5%

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
  • Up to 4.25% fixed discount on advanced payment of GEMS fees
  • 10% Cashback with Shop Smart
  • Enjoy access to airport lounges across the Middle East
  • Enjoy special offers at restaurants, premium retail etc.

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

  • Up to 4.25% discount on GEMS school tuition fee
  • Convert the school fees into 0% interest Easy Payment Plan for up to 12 months
  • Unlimited VIP airport lounge access in the Middle East
  • Movie tickets from just AED 15 - at Cine Royal, Oscar Cinemas and Reel Cinemas
  • Earn FAB reward points on all spends - domestic & international
  • Special offers at numerous food & beverage outlets and family entertainment venues in UAE
  • Education protection coverage up to AED 500,000 per child
  • 10% Cashback with Shop Smart
  • Home content insurance

Reward Features

Earn FAB Reward Points

  • Earn 2.5 FAB Rewards Star for every AED 1 spent

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

  • Your child/children must be enrolled in a GEMS school
  • Some benefits require minimum spend

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 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 1,000

  • 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 fees
  • 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.
  • Enjoy up to 10% discount for First, Business (Club World), Premium Economy (World Traveller Plus) and Economy (World Traveller) classes when travelling from the UAE.
  • 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 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 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 20,000

RATE

2.45%

ANNUAL FEE

AED 1,499

  • 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 160,000 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 20,000

RATE

2.45%

ANNUAL FEE

AED 1,499

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.00 % / Min AED99

Joining Offers

  • Get up to 160,000 Bonus Miles with the RAKBANK Skywards World Elite credit card with a Emirates Skywards Silver Tier Status. Also enjoy a 1-night free stay at Rixos JBR with upto 50% off dining and entertainment in UAE.
  • 20,000 Miles upfront (on AED 1499 joining fee payment)
  • 50% extra Miles for spends in first 3 months (statements)
  • Up to 80,000 Miles on balance transfer from another (non-Rakbank) Card as per below:
  • AED 25K+ = 10K Miles, AED 40K = 25K Miles, AED 60K+ = 30K Miles, AED 80K+ = 40K Miles, AED 100K+ = 50K Miles, AED 150K+ = 80K Miles
  • Balance Transfer will be processed for a period of 3 months at an 0% interest rate and 2.99% processing fee

Key Features

  • Simplified Skywards Miles earn logic - based on total spend tiers
  • Opportunity to earn 40,000 Skywards Miles every month
  • 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 nights at select Marriott Bonvoy properties worldwide Special offers including free nights at Oberoi Hotels
  • Complimentary access to 900+ lounges globally for the cardholder PLUS a guest
  • 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.

Simplified Skywards Miles earn logic - based on spend tiers:

  • AED 2,000 to AED 4,999 - 600 Skywards miles
  • AED 5,000 to AED 9,999 - 2,000 Skywards miles
  • AED 10,000 to AED 19,999 - 5,000 Skywards miles
  • AED 20,000 to AED 29,999 - 8,000 Skywards miles
  • AED 30,000 to AED 39,999 - 11,000 Skywards miles
  • AED 40,000 to AED 49,999 - 16,000 Skywards miles
  • AED 50,000 to AED 74,999 - 20,000 Skywards miles
  • AED 75,000 to AED 99,999 - 30,000 Skywards miles
  • > AED 100,000 - 40,000 Skywards miles

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 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 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 life
  • 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
  • MyUS Premium Shipping Discounts
  • Exclusive Avis & Hertz Car rental offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Complimentary Hotel Nights at Starwood Hotels & Resorts
  • Luxury Serviced Apartment discounts
  • Discounted Chauffeur Rides with Careem
  • 24 hours roadside assistance

Reward Features

Earn Cashback on all spends

Monthly spend tier AED 15,000 to AED 19,999 earn cashback on:

Travel - 5% (max AED 300)

Supermarkets - 5% (max AED 200)


For monthly spend above AED 20,000 earn cashback on:

Travel - 10% (max AED 600)

Supermarkets - 10% (max AED 400)


Monthly Spend Tier & Cashback earned:

Up to AED 14,999 - 3% (international), 1% (domestic)

AED 14,999 to 29,999 - 4% (international), 2% (domestic)

Above AED 30,000 - 5% (international), 3% (domestic)

Things To Be Aware Of

  • Some categories will earn 0.25% cashback/AED spent
  • All cashback categories have maximum caps
  • Additional supplementary card is charged @ AED 200