MINIMUM SALARY
AED 40,000
RATE
3.25%
ANNUAL FEE
AED 2625
MINIMUM SALARY
AED 40,000
RATE
3.25%
ANNUAL FEE
AED 2,625
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 20,000
RATE
3.25%
ANNUAL FEE
AED 1050
MINIMUM SALARY
AED 20,000
RATE
3.25%
ANNUAL FEE
AED 1,050
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn LuluPoints
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn LuluPoints
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 0
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:
Key Features
Reward Features
Earn talabat credit every time you spend using the card as per below:
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Touchpoints Per 1 AED spend
Things To Be Aware Of
MINIMUM SALARY
AED 40,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Touchpoints
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Touchpoints
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn Touchpoints Per 1 AED spend
Things To Be Aware Of
MINIMUM SALARY
AED 20,000
RATE
3.25%
ANNUAL FEE
AED 1050
MINIMUM SALARY
AED 20,000
RATE
3.25%
ANNUAL FEE
AED 1,050
Non AED Transaction Fee
-
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Complimentary Stay Voucher
The “Complimentary Voucher” is a voucher that entitles the Cardholder to a complimentary night stay at a hotel of the Cardholder’s choice amongst the available hotels booked through Hotels.com at www.hotels.com, using the Card.
Anniversary Voucher is only available to the Qualifying Cardholders
Key Features
Reward Features
Earn Touchpoints Per 1 AED spend
Things To Be Aware Of
MINIMUM SALARY
AED 20,000
RATE
3.29%
ANNUAL FEE
AED 2000
MINIMUM SALARY
AED 20,000
RATE
3.29%
ANNUAL FEE
AED 2,000
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
200,000 sign-up reward points
Key Features
Reward Features
ADIB Rewards Program
Redemption Value: Every 10,000 points = 50; every 100,000 points = AED 1,000
Shopping mall vouchers
Redeem Reward points against shopping mall vouchers: Sharjah Mega Mall, Dubai Festival City, Abu Dhabi Mall, Sahara Centre - Sharjah
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.09%
ANNUAL FEE
AED 299
MINIMUM SALARY
AED 12,000
RATE
3.09%
ANNUAL FEE
AED 299
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
ADIB Rewards Program
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
2.99%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 15,000
RATE
2.99%
ANNUAL FEE
AED 750
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
ADIB Rewards Program
Earn 2.5 reward points for 1 AED you spend on your card. Points earned can be used towards airline tickets, shopping mall vouchers and Club Apparel gift cards.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 0
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
Reward Features
Earn Etisalat Smiles Rewards Points
MINIMUM SALARY
AED 10,000
RATE
3.09%
ANNUAL FEE
AED 299
MINIMUM SALARY
AED 10,000
RATE
3.09%
ANNUAL FEE
AED 299
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Welcome Offer
Welcome bonus of 20,000 Etisalat Reward points(equivalent to more than 10 hours of free UAE talk time!).
Key Features
Reward Features
Earn Etisalat Smiles Rewards Points
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.09%
ANNUAL FEE
AED 199
MINIMUM SALARY
AED 12,000
RATE
3.09%
ANNUAL FEE
AED 199
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
ADIB Rewards Program
Spend a minimum of AED 3,000 in a month (locally & internationally) and enjoy:
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 0
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
Reward Features
ADIB Rewards Program
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 0
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
Reward Features
ADIB Rewards Program
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.00%
ANNUAL FEE
AED 150
MINIMUM SALARY
AED 10,000
RATE
3.00%
ANNUAL FEE
AED 150
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
3,000 Sign-up bonus reward points!
Key Features
Reward Features
Al Masraf Rewards:
A program that delivers amazing value by rewarding your spends with points which can be redeemed across multiple categories like travel, lifestyle, leisure or simply redeem for cash back.
Things To Be Aware Of
MINIMUM SALARY
AED 40,000
RATE
2.75%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 40,000
RATE
2.75%
ANNUAL FEE
AED 750
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
10,000 Sign-up bonus reward points!
Key Features
Reward Features
Al Masraf Rewards:
A program that delivers amazing value by rewarding your spends with points which can be redeemed across multiple categories like travel, lifestyle, leisure or simply redeem for cash back.
Earn Al Masraf Rewards on all spends:
Things To Be Aware Of
MINIMUM SALARY
AED 20,000
RATE
2.90%
ANNUAL FEE
AED 500
MINIMUM SALARY
AED 20,000
RATE
2.90%
ANNUAL FEE
AED 500
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
5,000 Sign-up bonus reward points!
Key Features
Reward Features
Al Masraf Rewards:
A program that delivers amazing value by rewarding your spends with points which can be redeemed across multiple categories like travel, lifestyle, leisure or simply redeem for cash back.
Earn Al Masraf Rewards on all spends:
Things To Be Aware Of
MINIMUM SALARY
AED 40,000
RATE
3.25
ANNUAL FEE
AED 1575
MINIMUM SALARY
AED 40,000
RATE
3.25
ANNUAL FEE
AED 1,575
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / pr AED 105
Joining Offers
Enjoy a welcome bonus Up to 50,000 Reward points, equal to €1,000 in hotel stays at Accor hotels around the world
Enjoy a rewarding welcome bonus on your ALL - ADCB Infinite Credit Card. You will receive up to 50,000 Reward points from ALL when you apply and use your ALL - ADCB Infinite Credit Card.
Key Features
Reward Features
Earn points everyday
Up to 3 Reward points per $1 spent at participating Accor hotels in the UAE and on your other spends
Spending has never been so rewarding. Accumulate Reward points on all retail purchases when you use your ALL – ADCB Infinite Credit Card.
*Purchases on fuel, education, government, real estate, telecommunication, charity and transportation categories will earn 0.15 Reward points from ALL per USD 1 spent. Purchases at supermarkets, auto dealers, insurance and quick service restaurants earn 0.20 Reward points from ALL per USD 1 spent. International spends at countries in the EU region will earn 0.75 Reward points from ALL per USD 1 spent.
on Abu Dhabi Commercial Bank (ADCB) site
MINIMUM SALARY
AED 30,700
RATE
2.50%
ANNUAL FEE
AED 2760
MINIMUM SALARY
AED 30,700
RATE
2.50%
ANNUAL FEE
AED 2,760
Non AED Transaction Fee
2.94%
Cash Advance Fee
4.00 % / Min 50
Key Features
Reward Features
Earn Membership Reward Points
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 0
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
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
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 209
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 209
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / AED 105
Joining Offers
Key Features
Reward Features
5 Smiles points on all Etisalat channels, Smiles app and elGrocer spends (Monthly cap of 10,000 Smiles points)
Redeem Smiles points:
Apply through CBD mobile App
MINIMUM SALARY
AED 12,000
RATE
3.85%
ANNUAL FEE
AED 999
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
Promotion validity: 1 January 2024 to 31 March 2024. (Offer is valid for cards issued between the above dates)
Key Features
Reward Features
Earn Smiles points on every AED spent:
Redeem Smiles points:
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 8,000
RATE
3.69%
ANNUAL FEE
AED 400
MINIMUM SALARY
AED 8,000
RATE
3.69%
ANNUAL FEE
AED 400
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
No Annual Fee for the first year on Primary Card. Annual fee applicable only from second year onwards
Key Features
Reward Features
Earn up to 10% Cashback on your monthly spends with CBD's Super Saver Cashback Credit Card with the maximum of up to AED 600 per month
• Up to 10% Cashback on Supermarket spends
• Up to 10% Cashback on Education (School, College, University Fees)
• Up to 10% Cashback on Utility bill payments
• Up to 10% Cashback on Transport (Fuel)
Track your Cashback in realtime through CBD App and redeem it instantly as Cashback
Earn up to 10% CASHBACK on the following everyday retail spend categories, capped at AED 200 per category, per month. A minimum monthly total spend of AED 3,000 across all categories is required to start earning cashback.
Earn up to 1% Cashback on every AED 2 on all other spends, with no caps.
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 8,000
RATE
3.69%
ANNUAL FEE
AED 0
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)
*To qualify for complimentary gifts AED 5,000 needs to be spent within 90 days of card issuance.
Key Features
Reward Features
Earn Reward Points
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.85%
ANNUAL FEE
AED 788
MINIMUM SALARY
AED 15,000
RATE
3.85%
ANNUAL FEE
AED 788
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
Enjoy AED 2,000 as a cashback welcome offer when you sign up for a CBD Visa Infinite Credit Card and spend a minimum of AED 12,000 within 30 days of card issuance
Key Features
Reward Features
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
New credit card customers enjoy 0% interest on Cash on Call 6- and 12-month plans within 30 days of card issuance. Apply instantly through the CBD Mobile app.
Offer valid until 31 March 2024. One time processing fee of 1.99% and 4% respectively, applies.
Key Features
Reward Features
Earn Reward Points
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 12,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 12,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
Welcome Offer
Key Features
Reward Features
Earn Reward Points
Things To Be Aware Of
MINIMUM SALARY
AED 20,000
RATE
3.69%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 20,000
RATE
3.69%
ANNUAL FEE
AED 750
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
Complimentary global flexible wellness membership with ClassPass app with access to over 200 fitness centers across UAE
Key Features
Reward Features
Earn Reward Points
Things To Be Aware Of
MINIMUM SALARY
AED 50,000
RATE
2.99%
ANNUAL FEE
AED 0
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
Reward Features
Earn CBI Reward Points on all spends on your CBI Rewards World Mastercard:
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 0
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
Reward Features
Earn CBI Reward Points on all spends on your CBI Rewards Platinum Mastercard
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 840
MINIMUM SALARY
AED 15,000
RATE
3.45%
ANNUAL FEE
AED 840
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Welcome Bonus
50, 000 Bonus Reward Points or 1st Year Free – No annual fees for the first year*
Key Features
Reward Features
Earn CBI Reward Points on all spends on your CBI Rewards World Mastercard Credit Card
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
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
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
on Citibank site
MINIMUM SALARY
AED 36,750
RATE
3.5%
ANNUAL FEE
AED 3000
MINIMUM SALARY
AED 36,750
RATE
3.5%
ANNUAL FEE
AED 3,000
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Get 25,000 welcome bonus Skywards Miles when you apply for the card and 10,000 Skywards Miles annually upon renewal. Citibank Terms & Conditions apply.
Key Features
Reward Features
Earn Emirates Skyward Miles on your Citi Emirates Ultima Credit Card
Earn 2.5 Skywards Miles per USD spent on www.emirates.com in AED
1.5 Skywards Miles per USD on non-AED spend and
1 Skywards Mile per USD on other AED spend.
Redeem your Skywards Miles for reward flights and upgrades with Emirates
on Citibank site
MINIMUM SALARY
AED 18,000
RATE
3.5%
ANNUAL FEE
AED 800
MINIMUM SALARY
AED 18,000
RATE
3.5%
ANNUAL FEE
AED 800
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Emirates Skyward Miles on your Citi Emirates World Card
Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai
on Citibank site
MINIMUM SALARY
AED 12,000
RATE
3.5%
ANNUAL FEE
AED 400
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
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
on Citibank site
MINIMUM SALARY
AED 15,000
RATE
3.5%
ANNUAL FEE
AED 750
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
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
on Citibank site
MINIMUM SALARY
AED 30,000
RATE
3.5%
ANNUAL FEE
AED 1500
MINIMUM SALARY
AED 30,000
RATE
3.5%
ANNUAL FEE
AED 1,500
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Apply for a Citi Prestige Credit Card and get up AED 600 welcome offer as a statement credit.
Also, earn 10,000 annual ThankYou® Points on yearly renewal of your Card.
Citibank Terms & Conditions apply.
Key Features
Reward Features
Earn 3 ThankYou® Points per USD on non-AED spend spent and 2 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
on Citibank site
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
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
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
on Citibank site
MINIMUM SALARY
AED 5,000
RATE
2.59%
ANNUAL FEE
AED 400
MINIMUM SALARY
AED 5,000
RATE
2.59%
ANNUAL FEE
AED 400
Non AED Transaction Fee
3.90%
Cash Advance Fee
3.00 % / Min 100
Key Features
Reward Features
Earn Amazing Points
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
2.59%
ANNUAL FEE
AED 1500
MINIMUM SALARY
AED 30,000
RATE
2.59%
ANNUAL FEE
AED 1,500
Non AED Transaction Fee
3.90%
Cash Advance Fee
3.00 % / Min 100
Key Features
Reward Features
Earn Amazing Points
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
2.58%
ANNUAL FEE
AED 200
MINIMUM SALARY
AED 8,000
RATE
2.58%
ANNUAL FEE
AED 200
Non AED Transaction Fee
3.90%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
Welcome Bonus
Key Features
Reward Features
Earn Dubai Memento Points
Yearly Guaranteed Rewards
Spend AED 100,000 or more on retail purchases during the year to qualify for Bonus Mementos equivalent to the value of your total retail purchases**. For example, an accumulated spend of AED 110,000 during the course of one year of your membership will earn you 110,000 Bonus Mementos. These Mementos will be awarded after your anniversary date, upon your request. You can redeem Bonus Mementos for the full set of redemption options available.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
2.59%
ANNUAL FEE
AED 100
MINIMUM SALARY
AED 5,000
RATE
2.59%
ANNUAL FEE
AED 100
Non AED Transaction Fee
3.90%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
Welcome Bonus
Key Features
Reward Features
Earn Dubai Memento Points
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
AED 475 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
AED 475 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
-/-
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
AED 475 p.m.
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
AED 475 p.m.
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
-/-
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 50,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 50,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
- / -
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
- / -
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 25,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.26%
Cash Advance Fee
- / -
Key Features
Reward Features
Earn Wala'a Dirhams
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 0
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
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Earn EI SmartMiles
Earn unlimited miles and redeem with no blackout dates:
MINIMUM SALARY
AED 15,000
RATE
3.49%
ANNUAL FEE
AED 735
MINIMUM SALARY
AED 15,000
RATE
3.49%
ANNUAL FEE
AED 735
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Key Features
Reward Features
Earn EI SmartMiles
Earn Upto 3.75 EI Smart Miles per AED on international transactions.
Earn Upto 2.5 EI Smart Miles per AED on local transactions.
You can redeem your EI SmartMiles
6,500 EI SmartMiles = 1,000 Upoints By Emaar
7,500 EI SmartMiles = 5,000 Etisalat Smiles
10,000 EI SmartMiles= 1,000 Emirates Skywards Miles
10,000 EI SmartMiles= 2,500 Etihad Miles
20,000 EI SmartMiles = 4,000 InterMiles
10,000 EI SmartMiles= 1,750 Avios
Miles will be transferred within 5 working days
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 10,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / AED 131.25
Joining Offers
The Switch Cashback Card comes without an Annual Membership fee for the first year with the fee being applicable in the subsequent years. To qualify for the annual fee waiver for the subsequent years, a minimum spend of AED 30,000.00 is required per year on the Switch Cashback Credit Card (T&Cs apply).
Key Features
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
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Welcome bonus of 6,000 Tamayaz Points
Key Features
Reward Features
Earn Union Coop Tamayaz Points
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 400
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 400
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15% /Min 103.95
Key Features
Reward Features
Earn Plus Points rewards on all domestic and international spends:
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 525
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / AED 103.95
Joining Offers
Introductory Offer:
Key Features
Reward Features
Earn dnata rewards
Earn dnata Points for every spend on your dnata World Mastercard, with accelerated rewards at partner stores across travel, dining, leisure and entertainment.
Earn 15% dnata Points at Costa, City Sightseeing, Giraffe.
Earn 10% dnata Points atdnata Travel, MMI, Al Hamra Cellar, Arabian Adventures, Le Clos.
Earn 5% dnata Points on Duty Free Shopping.
Earn 1.5% dnata Points on all retail spends.
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
3.25%
ANNUAL FEE
AED 1049
MINIMUM SALARY
AED 25,000
RATE
3.25%
ANNUAL FEE
AED 1,049
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Key Features
Reward Features
Earn dnata rewards
Things To Be Aware Of
MINIMUM SALARY
AED 35,000
RATE
3.25%
ANNUAL FEE
AED 1575
MINIMUM SALARY
AED 35,000
RATE
3.25%
ANNUAL FEE
AED 1,575
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min103.95
Joining Offers
Welcome offer of AED 400 Noon voucher.
Key Features
Reward Features
MINIMUM SALARY
AED 6,000
RATE
3.25%
ANNUAL FEE
AED 103.95
MINIMUM SALARY
AED 6,000
RATE
3.25%
ANNUAL FEE
AED 104
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Key Features
Reward Features
Earn Plus Points rewards
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 208.95
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 209
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Key Features
Reward Features
Earn Plus Points rewards:
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 250
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 250
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Welcome offer of 500 LuLu Points and 0% interest on balance transfers with no processing fees
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 263
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
Reward Features
Earn RED Points Rewards
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
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 735
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
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 420
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
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.25%
ANNUAL FEE
AED 1575
MINIMUM SALARY
AED 30,000
RATE
3.25%
ANNUAL FEE
AED 1,575
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!
Key Features
