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 30,000
RATE
3.5%
ANNUAL FEE
AED 2500
MINIMUM SALARY
AED 30,000
RATE
3.5%
ANNUAL FEE
AED 2,500
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Get a warm welcome with 55,000 Etihad Guest Miles bonus.
Key Features
Reward Features
EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND
EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPEND
All purchase (domestic or international): 2.5 Miles earned per AED 10
MILES ACCELERATOR PROGRAM
Earn 7.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.
Things To Be Aware Of
MINIMUM SALARY
AED 7,000
RATE
3.45%
ANNUAL FEE
AED 682
MINIMUM SALARY
AED 7,000
RATE
3.45%
ANNUAL FEE
AED 682
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / Min 210
Joining Offers
Joining bonus offer of AED 1000 on Cashback card, AED 1000 on Platinum Elite card and AED 2,000 on Solitaire card Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.
Cashback that will be credited subject to customer spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, customer has to be spend AED 4,500 by 31st August to get the Joining Bonus.
Key Features
Reward Features
Earn Salaam Points:
Accelerated Reward Points:
Things To Be Aware Of
on Mashreq Bank site
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / AED 210
Joining Offers
Joining bonus offer of AED 500 on Cashback card, AED 500 on Platinum Elite card and AED 2,000 on Solitaire card Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.
Cashback that will be credited subject to customer spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, customer has to be spend AED 4,500 by 31st August to get the Joining Bonus.
Key Features
Reward Features
Unlimited Cashback on all spend
The cashback will be calculated on your statement date. For example: For customers with a statement date (billing cycle) on the 23rd - Spends posted between 23rd and 22nd of every month will be considered.
The cashback can be redeemed on achievement of a minimum of AED 100/- as cashback balance.
To redeem your cashback: - Visit Mashreq Online Banking on mashreq.com for online redemption, or - Call the Direct Banking Center at 04-4244444 and place a request for the same. The cashback will be credited within a maximum of 3 working days into the Cashback Credit Card account.
the cashback earned has a maximum validity of 18 months from the date of earning. If the cashback is not redeemed within this period, it will be expired.
20% cashback for the first 6 months at Zomato, Netflix, Careem, Noon, UberEats, iTunes, Uber, Du, Talabat, Amazon Prime & Etisalat
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.69
ANNUAL FEE
AED 630
MINIMUM SALARY
AED 10,000
RATE
3.69
ANNUAL FEE
AED 630
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.
Key Features
Reward Features
Air Mile for every AED 1 spend. Exchange or redeem your Air Miles for flights, hotels as well as education and retail voucher
Double your Air Miles on your dining, entertainment, fitness, travel and more when you spend more than AED 3,000 a month
Complimentary access to gyms, entertainment, dining, travel benefits and more, based on your monthly spend
Where minimum spend of AED 3,000 is not met and for ‘All other spends’, the Air Miles rate is 1 Air Mile on each AED 1 spend. Lifestyle shopping includes apparel, electronics, online marketplace retailers, personal care and furniture, as defined by Visa
on HSBC site
MINIMUM SALARY
AED 30,000
RATE
3.69%
ANNUAL FEE
AED 2625
MINIMUM SALARY
AED 30,000
RATE
3.69%
ANNUAL FEE
AED 2,625
Non AED Transaction Fee
2.1
Cash Advance Fee
3.15
Joining Offers
Get 20,000 sign-up bonus Skywards Miles when you pay your annual card fee
Get another 30,000 welcome spend Skywards Miles when you spend a minimum of AED 50,000 in eligible spends in the first 60 days
Eligibility criteria and terms and conditions apply. Offer valid from 1 October 2024 to 31 January 2025 inclusive
Key Features
Reward Features
Earn Skywards Miles when you spend. From paying bills to purchasing flights, you'll earn Miles on every USD 1 equivalent in eligible spends with your card.
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 313
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 313
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
Get up to AED 800 cashback. Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.
The campaign is open to all new and existing HSBC customers who apply and receive approval for a new primary credit card and who do not have a primary credit card at the time of application and had not had one during the 6 months prior to applying.
Key Features
Reward Features
Earn Cashback on ALL spends:
There is a minimum spend of AED 3000 in a month which needs to be met to avail the cashback on fuel, supermarket and education categories. Incase the spend is not met one will earn 0.5% cashback on the transactions.
on HSBC site
MINIMUM SALARY
AED 30,000
RATE
3.69
ANNUAL FEE
AED 1050
MINIMUM SALARY
AED 30,000
RATE
3.69
ANNUAL FEE
AED 1,050
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / or AED 105
Joining Offers
Get up to AED 800 cashback
Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction. The campaign is open to all new and existing HSBC customers who apply and receive approval for a new primary credit card and who do not have a primary credit card at the time of application and had not had one during the 6 months prior to applying.
Eligibility criteria and Terms and conditions apply. Offer valid from 1 May to 31st December 2024 inclusive.
Key Features
Reward Features
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.85%
Cash Advance Fee
3.50 % / AED 200
Key Features
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.85%
ANNUAL FEE
AED 400
MINIMUM SALARY
AED 15,000
RATE
3.85%
ANNUAL FEE
AED 400
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / or AED 105
Joining Offers
Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.
Key Features
Reward Features
The fastest way to increase your FAB Rewards earning:
FAB Rewards bonus: Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.
More FAB Rewards on gaming: Earn up to 5 FAB Rewards per AED 1 spent on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.
More FAB Rewards: Earn up to 2 FAB Rewards per AED 1 spent on your card.
Redeem instantly: Redeem your FAB Rewards instantly through the FAB Mobile app. Use your Rewards for more game time, exchange them for Emirates Skywards Miles or Etihad Guest Miles, buy mall e-vouchers, pay utility bills and much more
MINIMUM SALARY
AED 8,000
RATE
3.85%
ANNUAL FEE
AED 300
MINIMUM SALARY
AED 8,000
RATE
3.85%
ANNUAL FEE
AED 300
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.
Key Features
Reward Features
FAB REWARDS
The fastest way to increase your FAB Rewards earning
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.75%
ANNUAL FEE
AED 600
MINIMUM SALARY
AED 30,000
RATE
3.75%
ANNUAL FEE
AED 600
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / AED 158
Joining Offers
Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.
Key Features
Reward Features
Earn up to 5 FAB Rewards for every AED 1 you spend on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.
Earn up to 4 FAB Rewards per AED 1 spent on your card
Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.50%
ANNUAL FEE
AED 550
MINIMUM SALARY
AED 30,000
RATE
3.50%
ANNUAL FEE
AED 550
Non AED Transaction Fee
2.95%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Choose from First Rewards, First Miles or First Cashback
First Rewards
To redeem choose from hundreds of rewards vouchers for jewellery, personal accessories, electronics and more
First Miles
Earn 2 First Miles for every $1 spent internationally and 1 First Mile for every $1 spend locally.
Redeem against any airline, hotel or any travel service in the world without any blackout dates.
First Cashback
Guaranteed cashback earnings up to 5%, with no minimum spend criteria.
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.5%
ANNUAL FEE
AED 1500
MINIMUM SALARY
AED 15,000
RATE
3.5%
ANNUAL FEE
AED 1,500
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Get a warm welcome with a 35,000 Etihad Guest Miles bonus.
Key Features
Reward Features
EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND
EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPENDS
All purchase transactions (domestic or international): 2.5 Miles earned per AED 10
MILES ACCELERATOR PROGRAM
Earn 6.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.50%
ANNUAL FEE
AED 500
MINIMUM SALARY
AED 8,000
RATE
3.50%
ANNUAL FEE
AED 500
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Primary Card- Earn 10,000 Etihad Guest welcome bonus Miles.
Supplementary Card- Earn 5000 Etihad Guest welcome bonus Miles.
Double Etihad Guest Miles when you use your card to buy Etihad Airways or Etihad Partner Airlines flight tickets.
Key Features
Reward Features
EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND
MILES ACCELERATOR PROGRAM
Earn 5.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.75%
ANNUAL FEE
AED 0
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
Reward Features
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.
Things To Be Aware Of
MINIMUM SALARY
AED 7,000
RATE
3.45%
ANNUAL FEE
AED 682
MINIMUM SALARY
AED 7,000
RATE
3.45%
ANNUAL FEE
AED 682
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / Min 210
Key Features
Reward Features
Earn Salaam Points
Accelerated Reward Points:
Things To Be Aware Of
MINIMUM SALARY
AED 40,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 40,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / or AED 150
Joining Offers
Apply for a Blue FAB Infinite Credit Card on the FAB Mobile app and receive up to AED 1,000 cashback in the form of Al-Futtaim FAB Rewards. Spend AED 10,000 or more in the first 60 days of card issuance to qualify for your cashback bonus. Offer valid until 14 June 2023.
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.33%
ANNUAL FEE
AED 1500
MINIMUM SALARY
AED 10,000
RATE
3.33%
ANNUAL FEE
AED 1,500
Non AED Transaction Fee
3.45
Cash Advance Fee
3
Joining Offers
Welcome Offer:
Bonus Emirates Skywards Miles
25,000 welcome bonus Skywards Miles - Get welcome bonus of 25,000 Skywards Miles on first spend
Key Features
Reward Features
Earn Emirates Skywards Miles
for every AED 3.68 equivalent spend:
*Specific merchants in the following categories will receive 0.25 Skywards Miles per AED 3.68 (or equivalent) for AED and non – AED transactions: Supermarkets, Government Services (e.g. Fines, Taxes), Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport (e.g. Taxis, Metro, Buses), Road Tolls/Salik, Charities/Religious Organisation.
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Apply for a Platinum credit card and get it free along with a voucher worth AED 300 to spend on Noon.com.
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
1.99%
ANNUAL FEE
AED 1575
MINIMUM SALARY
AED 30,000
RATE
1.99%
ANNUAL FEE
AED 1,575
Non AED Transaction Fee
3.25%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 735
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 735
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Key Features
Reward Features
Earn Plus Points:
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 263
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 263
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Key Features
Reward Features
Earn Emaar Upoints
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
Welcome offer: Up to 25,000 UPoints. Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
3.09%
ANNUAL FEE
AED 1500
MINIMUM SALARY
AED 25,000
RATE
3.09%
ANNUAL FEE
AED 1,500
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Introductory offer - Up to AED 2,500 Travel Vouchers
Key Features
Reward Features
Earn Starpoints Rewards:
Redeem Starpoints for a host of rewards, including Free Night Awards, SPG Flights and SPG Moments.
Earn up to 50% more Starpoints every month (max 4,000) for all your retail purchases by enrolling in Express Points Programme (monthly fee of AED 300).
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 735
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 735
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Earn up to 40,000 Skywards Miles with your Skywards Signature Credit Card:
Key Features
Reward Features
Earn Skyward Miles
Per 1 USD of spend:
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
Reward Features
Earn Skyward Miles
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 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 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 7,000
RATE
3.45%
ANNUAL FEE
AED 682
MINIMUM SALARY
AED 7,000
RATE
3.45%
ANNUAL FEE
AED 682
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / Min 210
Key Features
Reward Features
Earn Salaam Points
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
3.45%
ANNUAL FEE
AED 650
MINIMUM SALARY
AED 25,000
RATE
3.45%
ANNUAL FEE
AED 650
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / Min 210
Joining Offers
Apply & get AED 2500 cashback will be credited subject to spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.
Key Features
Reward Features
Earn Salaam Carats
Things To Be Aware Of
on Mashreq Bank site
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 20,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 20,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback on all spends
Monthly spend tier AED 15,000 to AED 19,999 earn cashback on:
Travel - 5% (max AED 300)
Supermarkets - 5% (max AED 200)
For monthly spend above AED 20,000 earn cashback on:
Travel - 10% (max AED 600)
Supermarkets - 10% (max AED 400)
Monthly Spend Tier & Cashback earned:
Up to AED 14,999 - 3% (international), 1% (domestic)
AED 14,999 to 29,999 - 4% (international), 2% (domestic)
Above AED 30,000 - 5% (international), 3% (domestic)
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
2.99%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 10,000
RATE
2.99%
ANNUAL FEE
AED 750
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.15% / Min 105
Key Features
Reward Features
Earn UAB Cashback:
Things To Be Aware Of
MINIMUM SALARY
AED 21,250
RATE
3.25%
ANNUAL FEE
AED 700
MINIMUM SALARY
AED 21,250
RATE
3.25%
ANNUAL FEE
AED 700
Non AED Transaction Fee
2.94%
Cash Advance Fee
3.00 % / min AED100
Joining Offers
Receive 30,000 bonus Membership Rewards (“MR”) points (hereinafter “Offer”) when you apply via the Amex MENA Mobile App (hereinafter “the App”) for The American Express® Platinum Credit Card (hereinafter “Card”) during the Offer Period June 17th – 15th August 2022
AED 500 Rivoli voucher can be redeemed for 16000 MR points
GBP 100 Harrods voucher for 29000 MR points
Key Features
Reward Features
Earn Membership Rewards Points
Membership Rewards® programme is American Express way of thanking you for using the Platinum Credit Card. Use your points to treat yourself to rewards from leading brands in travel, fashion, electronics and more.
SPEND AED 5,250 per month and earn 31,500 Membership Rewards points per annum. Redeem for AED 1,000 Voucher from RIVOLI
SPEND AED 9,000 per Month and earn 54,000 Membership Rewards points per annum. Redeem for a return trip ticket to London
SPEND AED 19,200 per Month and earn 115,200 Membership Rewards points per annum. Redeem for Apple Watch series 6
Things To Be Aware Of
MINIMUM SALARY
AED 21,250
RATE
3.25%
ANNUAL FEE
AED 700
MINIMUM SALARY
AED 21,250
RATE
3.25%
ANNUAL FEE
AED 700
Non AED Transaction Fee
2.94%
Cash Advance Fee
3.00 % / min AED100
Key Features
Reward Features
Earn Membership Reward Points
Membership Rewards® programme is our way of thanking you for using the Platinum Credit Card. Earn 2 points with every AED 4 you spend on eligible purchases. Use your points to treat yourself to rewards from leading brands in travel, fashion, electronics and more.
SPEND AED 5,250 per Month
Earn 31,500 Membership Rewards points per annum Redeem for AED 1,000 Voucher from RIVOLI
SPEND AED 9,000 per Month
Earn 54,000 Membership Rewards points per annum
Redeem for a return trip ticket to London
SPEND AED 19,200 per Month
Earn 115,200 Membership Rewards points per annum Redeem for Apple Watch series 6
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn excellent Cashback rates on Standard Chartered Platinum X Credit Card:
Supermakets spends, utility spends and education:
Upto 10% on online, foreign currency and mobile wallets.
Cashback points are valid for 12 months.
Value of a point is 1 AED
MINIMUM SALARY
AED 30,000
RATE
3.45%
ANNUAL FEE
AED 1575
MINIMUM SALARY
AED 30,000
RATE
3.45%
ANNUAL FEE
AED 1,575
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
AED 1000 cashback joining offer ( requires a spend of AED 10000)
1. The offer is valid for only New to Bank or New to Product credit card applications from the period starting from 1st May to 31st July 2023 (“the Offer Period”).
2. Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.
3. The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.
4. Credit card applications sourced via sales representatives will not be eligible for the Offer.
5. The Bank will credit cashback to the client’s credit card statement.
6. Successful applications will receive the cashback on 31 December 2022.
7. Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.
Key Features
Reward Features
Earn 360° Reward Points on all spends
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Key Features
Reward Features
Earn Reward points When you spend AED 1,000 or more per month. Transfer your Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as to hotel loyalty programmes. Enjoy a seamless purchase experience. Instantly pay for your next purchase with your Rewards Points, directly.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Key Features
Reward Features
Earn Reward points When you spend AED 1,000 or more per month. Transfer your Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as to hotel loyalty programmes. Enjoy a seamless purchase experience. Instantly pay for your next purchase with your Rewards Points, directly.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Annual Fees for primary credit cardholders will be waived if retail spends of the preceding 12 months exceeds AED 9,000 or equivalent.
Key Features
Reward Features
2% cashback on international spends (in non-AED currency) • 2% cashback on Airline* spends • 1% cashback** on all domestic spends (in AED currency).
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
arn excellent Cashback rates on Standard Chartered Platinum X Credit Card:
Supermakets spends, utility spends and education:
Upto 10% on online, foreign currency and mobile wallets.
Cashback points are valid for 12 months.
Value of a point is 1 AED
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
AED 200 cashback joining offer ( requires a spend of AED 5000)
1. The offer is valid for only New to Bank or New to Product credit card applications from the period starting from 1st May to 31st July 2023 (“the Offer Period”).
2. Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.
3. The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.
4. Credit card applications sourced via sales representatives will not be eligible for the Offer.
5. The Bank will credit cashback to the client’s credit card statement.
6. Successful applications will receive the cashback on 31 December 2022.
7. Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid..
Key Features
Reward Features
Earn 360° Reward Points on all spends on your Standard Chartered Manhattan Platinum Credit Card
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.45
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.75 % / Min 105
Joining Offers
AED 500 cashback joining offer ( requires a spend of AED 5000)
1. The offer is valid for only New to Bank or New to Product credit card applications from the period starting from August 1 – 31 October 2022 (“the Offer Period”).
2. Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.
3. The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.
4. Credit card applications sourced via sales representatives will not be eligible for the Offer.
5. The Bank will credit cashback to the client’s credit card statement.
6. Successful applications will receive the cashback on 31 December 2022.
7. Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.
Key Features
Reward Features
2% cashback on international spends or transactions made in foreign currency
1% on all other domestic spend
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 524
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 524
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Key Features
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
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback on all spends
If your Cashback on Supermarket, Dining and Cinemas exceed the monthly maximum Cashback cap for these categories, then the excess spend amount in these categories will earn you Cashback at standard Cashback rates.
Monthly Spend Tier & Cashback on all other spends:
Standard Cashback*
In addition to the above you will earn up to 2% Cashback on your Domestic & International Retail Purchase Transactions, Internet Transactions and International Cash Advances
Max cashback payable across all categories = 1,500 p.m
*Effective April 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Health & Beauty, Club Membership, Computer Services, Automobiles & Vehicles and Insurance Services will earn 0.25% cashback for every AED 1 spent.
*Effective May 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.25% cashback for every AED 1 spent.
The minimum threshold to redeem cashback for the Titanium card is AED 500.
Transactions made through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs, ATM’s, Branches or any other RAKBANK payment channels will not be eligible for any cashback/rewards.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 314
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Key Features
Reward Features
Earn cashback subject to minimum spend of AED 2,000 per month:
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.45 % / 2%
Key Features
Reward Features
Enjoy 1% Cashback* on all domestic and international retail, internet, cash transactions
Note: Maximum Cashback is AED 1,000 per month.
All spends under the category of Bill Payments (Telecommunication & utility), Government services, Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
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
Reward Features
Get discounts on all spends
Monthly Spend Tier & Discount earned:
Max. discount Cap of AED 300 per month.
Government spend, utilities, telecom, real estate and fuel will earn 0.25% discount per 1 AED spent
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
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
Reward Features
Earn Cashback
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
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
Reward Features
Earn RAKrewards
Monthly Spend Tier & RAKrewards earned per 1 AED:
Monthly Spend Tier & RAKrewards per 1 AED on Fuel:
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 SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
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
Reward Features
Earn Cashback
All spends under the category of Bill Payments (Telecommunication & utility), Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
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
Reward Features
Earn RAKrewards
Monthly Spend Tier & RAKrewards earned per 1 AED:
Quarterly Spend Tier & bonus RAKrewards rate:
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
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 300
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 300
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min AED 99
Joining Offers
Activate and spend a minimum of AED 3,000 within the first month and get 20,000 Bonus RAKBarçaRewards. Top 100 spenders every month with minimum retail spends of AED 7,500, will get 30,000 Bonus RAKBarçaRewards.
Key Features
Reward Features
Earn RAKBarca Reward Points:
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
2.45%
ANNUAL FEE
AED 1499
MINIMUM SALARY
AED 25,000
RATE
2.45%
ANNUAL FEE
AED 1,499
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.00 % / Min AED99
Joining Offers
Get Joining bonus Skywards Miles of 20,000 on payment of annual fee of AED 1,499. The bonus Skywards Miles will be credited within a week of the next statement cycle. The card is also available with First year free offer without the joining bonus miles, offer is valid till 31st Jan 2023.
Key Features
Reward Features
Earn Emirates Skywards Miles on all spends
The RAKBANK Emirates Skywards World Elite Mastercard Credit Card lets you earn Skywards Miles on all types of spends. What’s more, these Skywards Miles are awarded based on total monthly spends in Dirhams to keep it simple for you.
Skywards Miles award will be reduced to 50% if spend in special categories (such as Charities, Government Services, Bill Payments, Schools, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Supermarkets, Health & Beauty, Club Membership, Motion Pictures & Theatres, Computer Services, Automobiles & Vehicles) exceeds 50% of total spends for the month.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 400
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
Reward Features
AirRewards - Air Arabia's loyalty program
Things To Be Aware Of
MINIMUM SALARY
AED 16,000
RATE
3.25%
ANNUAL FEE
AED 524
MINIMUM SALARY
AED 16,000
RATE
3.25%
ANNUAL FEE
AED 524
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Joining Offers
Welcome Bonus
Key Features
Reward Features
Earn Voyager Rewards:
Redeem Voyager points against travel purchase transactions (flights/hotel bookings, travel packages, airport transfers, etc.)
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 209
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 209
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Key Features
Reward Features
Earn Voyager Rewards:
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 420
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 420
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Joining Offers
10% cashback at Carrefour and 5% cashback everywhere else for the first 60 days. Get AED 400 cashback as introductory offer.
Key Features
Reward Features
Earn Cashback (subject to minimum overall spend of AED 2,000 per month):
Things To Be Aware Of
MINIMUM SALARY
AED 7,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 7,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Key Features
Reward Features
Earn Cashback (subject to minimum overall spend of AED 2,000 per month) :
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 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 15,000
RATE
3.25%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Key Features
Reward Features
Things To Be Aware Of
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 10,000
RATE
3.25%
ANNUAL FEE
AED 315
