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MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 2,625

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

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 2,625

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

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

Key Features

  • Get 12,000 Etihad Guest Miles on paying the 1st year annual fee
  • 1,000 Etihad Guest Miles when you spend 1000 USD each month
  • Earn 1 Etihad Guest Miles for every USD 1 on domestic purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase
  • Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways
  • Exclusive Etihad Guest Gold Tier membership
  • Earn 1 Etihad Guest Tier Mile for every USD 1 of eligible purchase
  • Complimentary upgrade voucher from Etihad Airways
  • Free round the year golf access at the Track Meydan, Arabian Ranches and Yas Links. Discounts at 14 courses in UAE and Muscat
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Complimentary Airport Chauffeur service (4 per year)
  • 24-hour personalised premium concierge service
  • Enjoy unlimited complimentary airport lounge access globally for primary, supplementary and 1 guest
  • Exclusive benefits at Ferrari World and Yas Waterworld
  • Purchase protection for up to 90 days Extended warranty on eligible purchases
  • Multi-trip Travel Insurance
  • Optional credit shield
  • Visa luxury hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Up to 12% off Agoda bookings
  • Airport lounge access
  • Dining and lifestyle discounts
  • Balance Transfer
  • Personal Payment Plan
  • Credit Card loan

Reward Features

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 1,050

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

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

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

Key Features

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

Reward Features

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

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

Reward Features

Earn Touchpoints Per 1 AED spend

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 40,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 100

Key Features

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

Reward Features

Earn Touchpoints

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / AED 105

Key Features

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

Reward Features

Earn Touchpoints Per 1 AED spend

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 20,000

RATE

3.25%

ANNUAL FEE

AED 1,050

  • Golf offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Contactless Tech
  • Air Miles
  • 20% off on flight & hotel bookings
  • Complimentary hotel stay based on spend levels
  • 0% foreign currency transaction fee
  • Earn rewards on all purchases

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

  • Earn TouchPoints on all your purchases
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • 20% off your hotel bookings made on hotels.com - any property, anywhere in the world
  • 0% foreign currency fees
  • Up to 6 nights complimentary stay redeemable anywhere in the world
  • Complimentary access to 900+ lounges globally for the cardholder
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Earn TouchPoints on all your purchases
  • Mastercard Priceless Cities offers
  • MyUS Online shopping benefits and offers
  • Buy 1 get 1 free offers
  • Enjoy benefits at Ferrari World & Yas Waterworld
  • Free all year at The Track Meydan Golf Club Dubai, Arabian Ranches Golf Club Dubai and Yas Links Golf Club Abu Dhabi
  • 20% off on Careem rides up to twice a month
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features

Earn Touchpoints Per 1 AED spend 

  • Earn 2 TouchPoints per AED 1 purchase with the Traveller Credit Card.

Things To Be Aware Of

  • Flight discounts limited to 6 bookings per year
  • Hotel discounts limited to 12 bookings per year

MINIMUM SALARY

AED 20,000

RATE

3.29%

ANNUAL FEE

AED 2,000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • 200,000 sign-up reward points
  • Flight and hotel booking discounts
  • Extensive premium travel & lifestyle benefits
  • Earn rewards on all spends & cashback on specific categories

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

  • 200,000 sign-up reward points
  • 10% discount on hotels
  • 5% cashback on flights
  • 7% discount on car rentals through rentalcars.com
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • 4% cashback on fuel spends
  • 3 Reward Points for every dirham spent
  • Complimentary rounds with one guest at 3 Clubs in Dubai and Abu Dhabi. Discounts at 14 clubs in UAE and Muscat
  • Complimentary VIP airport lounge access for you and one companion across 850 lounges worldwide
  • Visa Luxury Hotels Collections offers
  • Complimentary Concierge Services
  • Medical & Travel assistance
  • Multi-Trip Travel insurance with cover up to USD 1,000,000
  • Purchase protection of up to USD 6,000 per item
  • Extended Warranty of up to 24 months
  • Exclusive dining offers
  • Free Valet Parking (4 times / month)
  • Withdraw 100% of your finance limit as cash
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

ADIB Rewards Program

  • Earn 3 reward points for every AED 1 domestic or international spend
  • Redeem your points against flight tickets/hotel bookings on Any Airline, Any Hotel Worldwide or Shopping Mall Vouchers or Club Apparel gift cards.

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

  • All cashback categories have maximum caps
  • 5th supplementary card onwards annual fee is AED 2,000

MINIMUM SALARY

AED 12,000

RATE

3.09%

ANNUAL FEE

AED 299

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

MINIMUM SALARY

AED 12,000

RATE

3.09%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 10% discount on hotels
  • 5% cashback on flights
  • 7% discount on car rentals through rentalcars.com
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • 4% cashback on fuel spends
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Earn 2 Reward Points for every dirham spent internationally
  • Earn 1 Reward Points for every dirham spent domestically
  • Complimentary VIP airport lounge access across 850 lounges worldwide
  • Visa Luxury Hotels Collection offer
  • Complimentary Concierge Services
  • Medical & Travel assistance
  • Multi-Trip Travel insurance with cover up to USD 500,000
  • Purchase protection of up to USD 6,000 per item
  • Extended Warranty of up to 24 months
  • Exclusive dining offers
  • Free Valet Parking (4 times/month)
  • Withdraw 100% of your finance limit as cash
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Screen reader support enabled.

Reward Features

ADIB Rewards Program

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 15,000

RATE

2.99%

ANNUAL FEE

AED 750

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

MINIMUM SALARY

AED 15,000

RATE

2.99%

ANNUAL FEE

AED 750

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 10% cash back on all dining spend in the UAE
  • 2.5 rewards points for every 1 AED spent
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Complimentary round of Golf once at the Arabian Ranches Golf club. Discounts at 14 clubs in UAE and Muscat
  • Free Roadside Assistance 24/7 across the UAE
  • Valet parking at select locations in the UAE​ (4 per month)
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Advanced Chip&Pin technology making purchases and withdrawing cash secure​​​​​​​​
  • Withdraw 100% of your finance limit as cash
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Screen reader support enabled

Reward Features

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome Offer

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

Key Features

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

Reward Features

Earn Etisalat Smiles Rewards Points

 

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

MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 299

  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • 20,000 welcome Etisalat Smiles Points
  • Earn Etisalat rewards on all spends

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

  • 20,000 welcome Etisalat Smiles Points equivalent to 38 hours of UAE talk time
  • For non-Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent
  • For Self-funded Card earn 2 Etisalat Smiles points for every Dirham spent
  • Earn 1 Etisalat Smiles point for every Dirham spent on specific merchant transactions
  • Special Etisalat MyPackage Plan for even More points
  • Free airport lounge access for primary cardholder
  • Withdraw 100% of your finance limit as cash
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Etisalat Smiles Rewards Points

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

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 299

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 999

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • 70,000 welcome Etisalat Smiles Points
  • Earn Etisalat rewards on all spends
  • Free valet parking at select locations

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 999

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

70,000 welcome Etisalat Smiles Points


Key Features

  • 70,000 welcome Etisalat Smiles Points equivalent to 38 hours of UAE talk time
  • For non-Self-funded Card earn 4 Etisalat Smiles points for every Dirham spent
  • For Self-funded Card earn 2 Etisalat Smiles points for every Dirham spent
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • For non-Self-funded cards earn 1 Etisalat Smiles points for every Dirham spent on specific merchant transactions
  • Redeem Reward Points for: Etisalat Data or Talk time, Etihad Guest Miles, Airline tickets
  • Special Etisalat MyPackage Plan for even More points
  • 4 Free Valet Parking at select locations in Abu Dhabi & Dubai
  • Free airport lounge access for primary cardholder
  • Withdraw 100% of your finance limit as cash

Reward Features

Earn Etisalat Smiles Rewards Points

  • For non-Self-funded Card earn 4 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 13 minutes of UAE talk time
  • For non-Self-funded Cards earn 1 Etisalat Smiles points for every Dirham spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities), so every AED 100 spent is 3 minutes of UAE talk time
  • For Self-funded Card earn 2 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 6 minutes of UAE talk time
  • Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.

Things To Be Aware Of

  • Profit rate is 2.99% with salary transfer
  • 5th supplementary card onwards annual fee is AED 999

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Car Registration
  • Travel Insurance
  • Contactless Tech
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Travel & personal accident insurance with cover up to US $50,000
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful
  • Card Protection Plus
  • Cash Flexibility

Reward Features

Earn Wala'a Dirhams

  • Earn 1.0 Wala’a Rewards for every AED 1 spent on all retail spends and then redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.
  • Retail credit card spends made under the categories Supermarkets, Telecom, Education, Petroleum, Government Services (including utility bill payments) will earn 0.5 wala’a rewards for every 1 AED spent.

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Car Registration
  • Travel Insurance
  • Contactless Tech
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Travel & personal accident insurance with cover up to US $75,000
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Wala'a Dirhams

  • Earn 1.5 Wala’a Rewards for every AED 1 spent on all retail spends and then redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.
  • Retail credit card spends made under the categories Supermarkets, Telecom, Education, Petroleum, Government Services (including utility bill payments) will earn 0.5 wala’a rewards for every 1 AED spent.

MINIMUM SALARY

AED 50,000

RATE

3.25%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 50,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Up to 4 free valet parking services per month in Dubai & Abu Dhabi
  • Free access for cardholder plus a guest to over 900 premium airport lounges globally
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Visa fine dining offers
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Exclusive Visa Infinite Privileges
  • Credit Shield Takaful
  • Visa Luxury Hotel Collection offers
  • Free Multi-Trip Travel Insurance with cover up to US $1,000,000
  • Complimentary Concierge Services
  • Purchase protection for 90 days
  • Extended Warranty that automatically doubles the original warranty
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

  • Earn 1.0 Wala’a Rewards for every AED 1 spent on all retail spends.
  • Redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Balance Transfer
  • Car Registration
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Roadside Assistance
  • No annual fee
  • Roadside assistance services
  • Personal accident & travel insurance cover

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Buy 1 Get 1 at Vox on Standard tickets on Sundays and 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Customers can avail discounts from several Golf courses across the world with this
  • Access to over 200 airport restaurant offers globally
  • Up to 2 free valet parking services per month in Dubai & Abu Dhabi
  • Visa Luxury Hotel Collection offers
  • Purchase protection for 90 days
  • Travel & personal accident insurance with cover up to US $100,000
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • Credit Shield Takaful
  • Card Protection Plus
  • Easy cash access with high cash withdrawal limits of up to 80% of credit limit.
  • 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 2.5 Wala’a Rewards for every AED 1 spent on all retail spends.
  • Redeem the Rewards for flight tickets, hotel stays, retail purchases, bill payments and plenty more.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Key Features

  • Earn Wala'a Dirhams on all spends
  • Up to 3 free valet parking services per month in Dubai & Abu Dhabi
  • Free access for cardholder to over 900 premium airport lounges globally
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus Visa fine dining offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Exclusive Visa Signature Privileges
  • Credit Shield Takaful
  • Visa Luxury Hotel Collection offers
  • Free Multi-Trip Travel Insurance with cover up to US $500,000
  • Complimentary Concierge Services
  • Purchase protection for 90 days
  • Extended Warranty that automatically doubles the original warranty
  • Complimentary Roadside assistance services
  • Balance transfer facility
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)

Reward Features

Earn Wala'a Dirhams

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

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 12,000

RATE

2.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Amazon gift card worth AED 1000 as joining offer
  • Free for life credit card
  • Designed exclusively for UAE nationals

MINIMUM SALARY

AED 12,000

RATE

2.49%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Emarati Credit Cards will be eligible for AED 1,000 Amazon.ae Gift Card and a minimum retail purchase of AED 10,000 in 90 days of card issuance is required to get this AED 1,000 Amazon.ae Gift Card. These spends can include any retail spends.


Key Features

  • Exchange EI SmartMiles with Etihad Guest Miles
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Complimentary movie offer. Enjoy up to 2 “Buy 1 Get 1” complimentary movie tickets each month, any day of the week
  • Emirates Islamic Emarati Credit card is Free for life
  • Preferential pricing
  • Complimentary unlimited access to over 1000 airport lounges worldwide
  • Free valet parking up to 2 times per month in UAE
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
  • “Instant Purchase" - shop with EI SmartMiles anytime, anywhere
  • Miles Exchange with frequent flyer programmes Etihad Guest and JetPrivilege
  • A wide range of shopping options with online market place
  • Visa Luxury Hotel collection offers
  • Mazaya offersVisa PayWave - new, convenient, faster and safer way to pay

Reward Features

Earn EI SmartMiles on your Emirates Islamic Emarati Credit Card
Earn unlimited miles and redeem with no blackout dates: 

  • Earn 2.5 EI SmartMiles per AED 1 of domestic spend
  • Earn 3.75 EI SmartMiles per AED 1 of international spend
  • Govt services including utility & mobile bills earn 0.5 EI SMartMiles per AED 1 of spend

Things To Be Aware Of

  • This card is exclusively for UAE nationals

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Amazon gift card worth AED 500 as joining offer
  • Free for life
  • Unlimited EI SmartMiles

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

Emirates Islamic Platinum Credit Cards will be eligible for AED 500 Amazon.ae Gift Card and a minimum retail purchase of AED 5,000 in 90 days of card issuance is required to get the AED 500 Amazon.ae Gift Card. These spends can include any retail spends.


Key Features

  • Welcome bonus Amazon voucher AED 500
  • Access to over 200 airport restaurant offers globally
  • Earn EI SmartMiles on all spends - domestic & international
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
  • “Instant Purchase" - shop with EI SmartMiles anytime, anywhere
  • Miles Exchange with frequent flyer programmes with Emirates Skywards, Etihad Guest, and InterMiles
  • A wide range of shopping options with online market place
  • 8% discount on hotel bookings made at Hotels.com
  • Visa Luxury Hotel collection offers
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Mazaya offers
  • Purchase protection
  • Extended warranty & purchase protection on purchases made on the card
  • Visa PayWave - new, convenient, faster and safer way to pay
  • 4 free months of Anghami Plus

Reward Features

Earn EI SmartMiles
Earn unlimited miles and redeem with no blackout dates:

  • Earn 1.25 EI SmartMiles per AED 1 on domestic spend.
  • Earn 2.25 EI SmartMiles per AED 1 on international spend.

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 700

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Amazon gift card worth AED 1000 as joining offer
  • Get up to 3.75% back per AED (in form of SmartMiles)
  • Complimentary unlimited access to 1000 lounges worldwide
  • Free Valet Parking
  • Extensive premium lifestyle & travel benefits

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Joining Offers

Apply now for an Emirates Islamic Credit Card and get up to AED 1,000 Amazon.ae Gift Card.a minimum retail purchase of AED 10,000 in 90 days of card issuance is required to get this AED 1,000 Amazon.ae Gift Card. These spends can include any retail spends.


Key Features

  • Emirates Islamic Infinite & Emarati Credit Cards will be eligible for AED 1,000
  • Amazon.ae Gift Card and a minimum retail purchase of AED 10,000 in 90 days of card issuance is required to get this AED 1,000 Amazon.ae Gift Card. These spends can include any retail spends.
  • Earn EI SmartMiles on all spends - domestic & international
  • Complimentary access to 1000+ lounges globally for the cardholder Plus a guest (via Loungekey)
  • 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Earn unlimited miles and redeem with no blackout dates
  • Instant EI SmartMiles redemption at over 300 airlines and 180,000 hotels worldwide
  • “Instant Purchase" - shop with EI SmartMiles anytime, anywhere
  • Miles Exchange with frequent flyer programmes with Emirates Skywards, Etihad Guest, and InterMiles
  • A wide range of shopping options with online market place
  • Unlimited Complimentary Golf at Arabian Ranches and Track Meydan Clubs. Discounts at 14 clubs in UAE and Muscat
  • 24-hour personalised premium concierge service
  • Free Valet parking up to 2 times per month
  • Visa Luxury Hotel collection offers
  • DragonPass 'Dine & Fly' airport dining program
  • Mazaya offers
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • 8% discount on hotel bookings made at Hotels.com
  • Visa PayWave - new, convenient, faster and safer way to pay
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Earn EI SmartMiles

Earn Upto 3.75 EI Smart Miles per AED on international transactions.

Earn Upto 2.5 EI Smart Miles per AED on local transactions.

 

You can redeem your EI SmartMiles

  • With the instant purchase feature against any purchase, across the globe
  • At over 300 airlines and more than 180,000 hotels worldwide
  • For latest electronics or for gift vouchers at our online marketplace
  • Simply exchange your EI SmartMiles for Miles with frequent flyer program with Emirates Skywards, Etihad Guest, and InterMiles.

6,500 EI SmartMiles = 1,000 Upoints By Emaar
7,500 EI SmartMiles = 5,000 Etisalat Smiles

10,000 EI SmartMiles= 1,000 Emirates Skywards Miles

10,000 EI SmartMiles= 2,500 Etihad Miles

20,000 EI SmartMiles = 4,000 InterMiles

10,000 EI SmartMiles= 1,750 Avios

 

Miles will be transferred within 5 working days

Things To Be Aware Of

  • Specific categories of spend have lower earn rates
  • Welcome miles will be given once AMF is paid

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Welcome bonus of 6000 Tamayaz points
  • Free for life
  • Free Valet Parking

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome bonus of 6,000 Tamayaz Points

Key Features

  • Complimentary welcome bonus of 6,000 Tamayaz Points
  • 10 tickets under Buy1 get 1 at Vox and 20% off at Roxy
  • Up to 3 Tamayaz Points for every Dirham spent at Union Coop store
  • Tamayaz Points earned on all local and international transactions
  • Redeem Tamayaz Points against purchases at Union Coop stores
  • One free valet parking every month at select locations
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Free for life card
  • Tap and pay experience with Visa Paywave
  • Purchase protection cover
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Extended warranty & purchase protection on purchases made on the card
  • Instant Discounts and offers and Shopper valet service at select Union Coop stores
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Emergency medical & legal referral service
  • Global assistance
  • 4 free months of Anghami Plus

Reward Features

Earn Union Coop Tamayaz Points

  • Earn upto 3 Tamayaz Points for every Dirham spent at Union Coop store
  • Earn 2 Tamayaz Points for every Dirham on International Spend
  • Earn 1 Tamayaz Points for every Dirham on Local Spend
  • Domestic spends under govt services will earn 0.6 Tamayaz points per AED 1 of spend

Things To Be Aware Of

  • Spends under govt services earn lower Tamayaz points
  • Higher point value for shareholders of Union Cooperative
  • Call the bank to transfer Tamayaz Points to Tamayaz account

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Class leading cashback of 7% at Lulu stores & online
  • Loaded with benefits - cinema/valet/airport drops etc.
  • Exclusive benefits & offers at Lulu stores & online
  • AED 250 Noon voucher ( T&Cs apply)

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min AED 99

Joining Offers

  • Up to Welcome 500 Lulu Points
  • 250 Lulu points on payment of joining fee & first transaction
  • 250 Lulu points on spending minimum AED 8,000 in first 2 billing statements
  • 0% Balance Transfer with zero processing fee for 6 or 12 months

Key Features

  • Welcome Bonus Up to 500 LuLu Points
  • Earn up to 7% back as Lulu points on spends at Lulu stores and online
  • Concierge Service
  • 0% Balance Transfer with zero processing fee
  • Member benefits- Exclusive privileges and offers at LuLu
  • Complimentary tickets at Vox Standard under Buy1 get 1 offer
  • Up to 4 complimentary valet parking services in Abu Dhabi locations
  • Complimentary golf rounds twice a month at 5 golf courses in the UAE.
  • Up to 2 complimentary airport drop services each year
  • Free airport lounge access at over 25 lounges across the Middle East and international locations
  • Buy 1 Get 1 offers with the Entertainer app
  • Discount on Air Tickets and Holiday Packages
  • SkyShopper
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Up to 30% discounts on round trip international airfare or hotels from Cleartrip.com
  • Up to 15% on Avis car rentals worldwide
  • 0%Easy Instalment Plan
  • SALIK Auto Top up
  • Utility Bill Paments

Reward Features

Earn LuLu Points

  • Earn 7% on LuLu in-store and online spends
  • Earn 4% on fuel spends
  • Earn 2% on utility bill payment
  • Earn 0.7% 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 4,000 req for cinema offers

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
  • 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 30,000

RATE

3.09%

ANNUAL FEE

AED 1,500

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Excellent discounts & offers at Emaar establishments
  • "Platinum" U By Emaar status
  • Premium travel and lifestyle benefits
  • Earn Upoints for all your spends
  • AED 400 Noon Voucher ( T&Cs apply)

MINIMUM SALARY

AED 30,000

RATE

3.09%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Enjoy 25,000 Upoints when you apply for the card. AED 400 Noon voucher.


Key Features

  • Complimentary Platinum U By Emaar Membership
  • 30% off on dining across Emaar Hospitality Group
  • 3 tickets on Buy1 Get1 at Reel and 20% off at Roxy cinemas.
  • 20% off spas at Emaar Hospitality venues
  • Two Complimentary Golf rounds at 5 courses in the UAE. Discounts at 14 courses in UAE and Muscat
  • 30% off entertainment
  • SALIK Auto Top up
  • Utility Bill Paments
  • Discount on Air Tickets and Holiday Packages
  • SkyShopper
  • Complimentary Valet Parking & Concierge Service at Dubai Mall
  • Fashion Lounge Access with a guest at The Dubai Mall
  • Hotel Discounts through Emaar hotels website
  • Airport Lounge Access to over 1000+ lounges globally for the cardholoder plus a guest
  • Travel Insurance cover up to USD 1,000,000
  • Extended warranty protecting against cost of repair and replacement
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Purchase protection against theft or accidental damage
  • Visa 24-hour concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Visa Luxury Hotel Collection offers
  • Fraudulent card misuse protection

Reward Features

  • Earn Upoints for every spend and redeem them instantly  at over 1500+ stores across your favourite brands.
  • Earn 1.5% back as Upoints for all your spends (cap- 83,333 Upoints P.M.)-15 Upoints per AED 100 spent
  • Enjoy 5 times more when you spend in Emaar-75 Upoints per AED 100 spent
  • Earn 25% of the Base Upoints when you spend in Grocery and Supermarkets
  • Earn 10% of the Base Upoints when you spend in Petroleum and Government Services
  • Earn 10% of the Base Upoints when you spend in Telecommunication Payment

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Excellent discounts & offers at Emaar establishments
  • Premium travel and lifestyle benefits
  • Earn Upoints for all your spends

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Enjoy 2,500 Upoints when you apply for the card. AED 250 Noon voucher ( T&Cs apply)


Key Features

  • Get 6.25% back on all your shopping & dining spends at Emaar Malls.
  • Enjoy 6.25% back when you stay at Emaar Hotels.
  • Enjoy 6.25% back when you dine at Emaar Restaurants.
  • Enjoy up to 30% off on Entertainment at Emaar Entertainment Group.
  • 3 tickets on Buy1 Get1 at Reel and 20% off at Roxy cinemas.
  • 0%Easy Instalment Plan.
  • SALIK Auto Top up.
  • Utility Bill Paments.
  • Discount on Air Tickets and Holiday Packages.
  • SkyShopper.
  • Free 24/7 Roadside assistance.
  • Earn Upoints for every spend.
  • Contactless Payments.
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Complimentary Concierge Service at Dubai Mall
  • Fashion Lounge Access with a guest at The Dubai Mall
  • Hotel Discounts through Emaar hotels website
  • Airport Lounge Access to over 1000+ lounges globally for the cardholoder plus a guest
  • Travel Insurance cover up to USD 500,000
  • Extended warranty protecting against cost of repair and replacement
  • Purchase protection against theft or accidental damage
  • Visa 24-hour concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Visa Luxury Hotel Collection offers
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Fraudulent card misuse protection

Reward Features

Earn Emaar Upoints

  • Earn 62.5 Upoints per AED 100 on all spends at Emaar.
  • Earn 12.5 Upoints per AED 100 on all spends outside Emaar.
  • Earn 25% of the Base Upoints when you spend in Grocery and Supermarkets.
  • Earn 10% of the Base Upoints when you spend in Petroleum and Government Services.
  • Earn 10% of the Base Upoints when you spend in Telecommunication Payment.

(Cap-16666 points P.M.)

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 15,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • 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 50,000

RATE

3.75%

ANNUAL FEE

AED 2,000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Guranteed AED 2000 travel voucher on FAB Travel Portal
  • No international transaction 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 50,000

RATE

3.75%

ANNUAL FEE

AED 2,000

Non AED Transaction Fee

-

Cash Advance Fee

3.15 % / AED 105

Joining Offers

Get a guaranteed AED 2000 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.

Key Features

  • Endless choices and benefits across everything travel, including flights, hotels, car hire, and much more
  • Use your Travel Card abroad with no foreign transaction fees on your purchases (excluding currency conversion/scheme charges)
  • One complimentary night for every three paid nights when booked through the FAB Travel Portal
  • Unlimited free access across over 1000+ airport lounges globally for the cardholder and two guests
  • 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 eight rides)
  • Get up to 12 free airport transfers a year within the UAE no matter which airport you are using
  • One free ride per trip within the same emirate
  • Two free rides per trip between emirates
  • As a Visa Signature and Visa Infinite cardholder, get 20% off three Careem rides by Visa. For details visit ae.visamiddleeast.com
  • Receive 30% off airport Meet and Greet services in over 450 destinations globally with your FAB Visa Travel Card
  • Visa’s 24-hour concierge provides a personal service for all Visa Elite Infinite cardholders
  • Discounts on green fees at a growing number of golf clubs across the globe
  • Enjoy ‘buy one get one free’ offers through the "Visa Offers MENA" app
  • Jumeirah Hotels: Up to 20% off at Jumeirah dining establishments
  • Meraas: Up to 20% off at Meraas dining, leisure and entertainment venues
  • As a Visa cardholder, get up to 35% discount on standard rates and 30% off international leisure rates.
  • Free travel accident insurance of up to USD 1m when you use your FAB Travel Card to purchase your travel tickets
  • Free international medical and travel assistance when you use your FAB Travel Card to purchase your travel tickets
  • Your credit card’s outstanding balance is taken care of with Credit Shield programme if you can’t meet your credit card payments due to unforeseen circumstances
  • All purchases on your FAB credit card are automatically covered for up to 365 days from the purchase date
  • Enjoy double the original manufacturer’s or retailer’s warranty for up to one year
  • Benefit from automatic protection against unauthorised transactions or fraudulent use of your card
  • Above offers are subject to change.

Reward Features

Earn FAB Miles with every USD $1 spend:

  • Get 2 FAB Miles for each USD $1 spent on retail purchases anywhere
  • Get 2.5 FAB Miles for each USD $1 spent on any travel purchase 
  • Exchange 1 FAB Mile to 1 mile / point or more, of participating airline and hotel partners.

Participating partners include:

  1. Aeroplan
  2. Avianca LifeMiles
  3. BIG Rewards
  4. British Airways Executive Club
  5. Club Vistara
  6. Emirates Skywards
  7. Flying Blue
  8. Fortune Wings Club
  9. IHG® Rewards
  10. Jumeirah One
  11. Turkish Airlines Miles&Smiles
  12. Wyndham Rewards

Access the FAB Travel Portal through your FAB Mobile app or Online Banking

  • Book travel across a choice of 800+ airlines, 500,000+ hotels and car rental
  • Transfer FAB Miles to a partner travel programme
  • Buy gift cards for international brands with your FAB Miles
  • Cash-in FAB Miles and turn into credit on your Travel Card 

Use the FAB Miles on your FAB Travel Card to:

  • Book and pay for travel bookings
  • Get complimentary hotel nights when you book hotel stays through the portal

Things To Be Aware Of

  • Some benefits may require minimum spend

MINIMUM SALARY

AED 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 5,000

RATE

3.45%

ANNUAL FEE

AED 400

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

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

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

Key Features

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

Reward Features

AirRewards - Air Arabia's loyalty program

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

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

Reward Features

Earn RAKrewards

Monthly Spend Tier & RAKrewards earned per 1 AED:

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

Quarterly Spend Tier & bonus RAKrewards rate:

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

Cinema Reward Offerings

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

 

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

Things To Be Aware Of

  • Some categories will earn 0.35 RAKrewards per AED 1 spent

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

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

Reward Features

Earn Goldback

Monthly Spend Tier & Goldback% on International spends:

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

Monthly Spend Tier & Goldback% on Domestic spends:

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

Other conditions:

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / Min 99

Key Features

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

Reward Features

Earn RAKrewards

Monthly Spend Tier & RAKrewards earned per 1 AED:

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

Monthly Spend Tier & RAKrewards per 1 AED on Fuel:

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

Monthly Spend Tier & RAKrewards per 1 AED on Cinema:

Above AED 5,000 - 50

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 5,000

RATE

3.45

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Contactless Tech
  • Air Miles
  • Shariah compliant fixed-fee card
  • Earn 360° rewards on all spends

MINIMUM SALARY

AED 5,000

RATE

3.45

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99

Cash Advance Fee

3.15 % / AED 105

Key Features

  • Earn 1 Reward Point for every $1 spent
  • Shariah Approved
  • Buy 1 Get 1 Free at Costa Coffee
  • Mastercard Priceless Cities Offers
  • Unlimited access at over 10 lounges across Middle East & Levant
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Buy 1 Get 1 free offers
  • 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

Reward Features

Rewards for every spend on your Standard Chartered Saadiq Platinum credit card

  • Earn 360° Reward Points on all Domestic & International spends on your Standard Chartered Manhattan Platinum Credit Card
  • Earn 1 Rewards Point for every $1 spent on your card within the UAE or internationally. 
  • Earn 0.1 360° Reward Points for every US $1 spent on groceries, utilities, education, property rentals & real estate agent payments

Things To Be Aware Of

  • 4 supplementary cards are free, AED 157.50 thereafter

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 158

  • Balance Transfer
  • Airport Lounge Access
  • Additional Shukran points at multiple merchants
  • Earn Shukran points on all spends

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 158

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Get up to 7.5% value back on your shopping
  • Redeem Shukran points for over a million products
  • Spend Shukran Reward points instantly
  • Unlimited access at over 10 lounges across Middle East & Levant
  • 20% off Careem rides
  • The Good Life privileges offers
  • Mastercard Buy 1 Get 1 free offers
  • Balance transfer at 0%

Things To Be Aware Of

  • 2 supplementary cards are free, AED 100 thereafter
  • Min spend of AED 1,000 p.m to earn Shukran points

MINIMUM SALARY

AED 25,000

RATE

3.45%

ANNUAL FEE

AED 263

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Contactless Tech
  • Additional Shukran points at multiple merchants
  • Earn Shukran points on all spends on your Shukran creditcard
  • Excellent travel benefits

MINIMUM SALARY

AED 25,000

RATE

3.45%

ANNUAL FEE

AED 263

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn 5 times more Shukran points at select establishments
  • Redeem Shukran points for over a million products
  • Spend Shukran Reward points instantly
  • Up to 10% off at Hotels.com
  • Unlimited lounge access at over 900+ airports worldwide
  • 10 Complimentary tickets on Sundays and 4 tickets any day in a month at VOX Standard
  • 20% off Careem rides in UAE
  • Up to 30% off on travel with Cleartrip
  • The Good Life privileges offers
  • Mastercard Priceless Cities Offers
  • Travel inconvenience protection
  • Travel insurance with cover up to US $500,000
  • Travel insurance confirmation letter

Reward Features

Earn Shukran Points on your Standard Chartered Shukran World Credit card

  • Earn up to 10% value for purchases at participating merchant establishments (on spends up to AED 25,000 p.m)
  • Earn 1% value in Shukran rewards for all other local purchases
  • Earn 1.25% value in Shukran rewards for all other international purchases
  • Min spend of AED 3,000 p.m required to earn Shukran points

Things To Be Aware Of

  • 2 supplementary cards are free, AED 100 thereafter
  • Min spend of AED 3,000 p.m required to earn Shukran points