Best Credit Card In UAE
+971

MINIMUM SALARY

AED 36,750

RATE

3.5%

ANNUAL FEE

AED 3000

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Earn up to 2.5 Skywards Miles per $ spend
  • Complimentary Emirates Skywards Silver membership
  • Exclusive 100% Metal card
  • Complimentary golf, valet parking, cinema ticket offers
  • 25,000 welcome bonus Skywards Miles

MINIMUM SALARY

AED 36,750

RATE

3.5%

ANNUAL FEE

AED 3,000

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Get 25,000 welcome bonus Skywards Miles when you apply for the card and 10,000 Skywards Miles annually upon renewal. Citibank Terms & Conditions apply.

Key Features

  • 25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
  • Earn up to 2.5 Skywards Miles per $ spend
  • Exclusive 100% metal card + Skywards Silver Membership
  • Unlimited golf on weekdays and 1 free round on weekends per month
  • Complimentary Valet Parking twice a month with Valtrans
  • Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
  • Insurance cover for online purchases up to $1,000 per year, at no additional cost
  • 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.
  • ‘Buy 1 Get 1 free’ movie tickets at VOX & REEL cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay & Google Pay
  • Complimentary Silver Bronze Meet & Greet service once a year at Dubai International Airport.
  • Complimentary International Concierge Service
  • Complimentary Travel Insurance

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates Ultima Credit Card

Earn 2.5 Skywards Miles per USD spent on www.emirates.com in AED
1.5 Skywards Miles per USD on non-AED spend and
1 Skywards Mile per USD on other AED spend.

Redeem your Skywards Miles for reward flights and upgrades with Emirates

Apply Now

on Citibank site

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 1500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Strong rewards earnings & travel benefits

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply for a Citi Prestige Credit Card and get up AED 600  welcome offer as a statement credit.

Also, earn 10,000 annual ThankYou® Points on yearly renewal of your Card. 

Citibank Terms & Conditions apply.

Key Features

  • Sign up for a Citi Prestige Credit card and get AED 600 welcome offer
  • 4th night free at any hotel locally or worldwide
  • Redeem points for cash rebates, staycation bookings, merchandise or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways
  • Unlimited golf on weekdays and 1 free round on weekends per month
  • Complimentary Valet Parking twice a month with Valtrans
  • Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
  • Insurance cover for online purchases up to $1,000 per year, at no additional cost
  • 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.”
  • ‘Buy 1 Get 1 free’ movie tickets at VOX & REEL cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Citi Prestige Global Concierge team, available to assist you 24/7 from anywhere in the world
  • Complimentary Marhaba Silver Meet & Greet service twice a year at Dubai International Airport
  • Complimentary Travel Insurance and Purchase Protection

Reward Features

Earn 3 ThankYou® Points per USD on non-AED spend spent and 2 ThankYou® Points per USD on local (AED) spend

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

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

- Redeem points for cash rebates or shopping vouchers

Apply Now

on Citibank site

MINIMUM SALARY

AED 18,000

RATE

3.5%

ANNUAL FEE

AED 800

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Earn up to 1.25 Skywards Miles per $ spend
  • 1 Complimentary golf a month at the finest courses in UAE
  • Complimentary valet parking, cinema ticket offers
  • Unlimited access to 1000+ airport lounges

MINIMUM SALARY

AED 18,000

RATE

3.5%

ANNUAL FEE

AED 800

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Earn up to 1.25 Skywards Miles per USD
  • Convert Skywards miles into Reward Flights and Business Class upgrades with Emirates
  • Complimentary Valet Parking once a month with Valtrans
  • Complimentary golf once a month at some of the best golf courses in the UAE
  • Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
  • 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.
  • ‘Buy 1 Get 1 free’ movie tickets at VOX cinemas
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay & Google Pay
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • 0% interest for 3 months easy instalment plan on Emirates tickets purchased through www.emirates.ae
  • Complimentary International Concierge Service
  • Complimentary Travel Insurance
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

       

  • 1.25 Skyward Miles per USD on non AED spend
  • 1 Skywards Miles per USD on other AED spend

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

Apply Now

on Citibank site

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 750

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Complimentary Movies and Golf Offers
  • Flat 30% off 4 movie tickets at VOX Cinemas every month

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 750

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

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

Citibank Terms & Conditions apply.

Key Features

  • Redeem points for cash rebates, staycation bookings, merchandise or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways.
  • 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.
  • Flat 30% off 4 movie tickets at VOX cinemas
  • Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
  • Complimentary golf once a month at some of the best golf courses in the UAE
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Complimentary Travel Insurance and Purchase Protection
  • Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport
  • Citibank World Privileges, Free Citibank Alerting service and much more

Reward Features

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

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

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

- Redeem points for cash rebates or shopping vouchers

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

Apply Now

on Citibank site

MINIMUM SALARY

AED 12,000

RATE

3.5%

ANNUAL FEE

AED 400

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

MINIMUM SALARY

AED 12,000

RATE

3.5%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Key Features

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

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

 

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

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

Things To Be Aware Of

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

on Citibank site

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Earn ThankYou Reward points on all spends
  • Unlimited global airport lounge access to 1000+ lounges
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • No annual fee in year 1

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

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


Key Features

  • Earn up to 1.5 Thank You points per USD & convert your spend into cash rebate or shopping vouchers
  • No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
  • 2 complimentary airport rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app.”
  • Flat 30% off 2 movie tickets at VOX cinemas
  • Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • Pay with points for your purchases via SMS or online
  • Quick Cash: instant cash at a click of a button
  • PayLite: turn any big purchases into small payments
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

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

 

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

 

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

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

Apply Now

on Citibank site

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • No caps, no minimum spend, no redemption process & no spend
  • 3% on non AED spend | 2% on Grocery Spend | 1% on all Other
  • Unlimited access to 1000+ lounges worldwide
  • No Annual Membership fee in year 1
  • Get 15% off at Carrefour, 10% off at Amazon.ae

MINIMUM SALARY

AED 8,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.90%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

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

Key Features

  • 3% cashback on non-AED spend, 2% cashback on Grocery Spend and 1% cashback on all other Spend
  • Automatic cashback on all spend
  • No caps (up to the credit limit each month), no minimum spend, no redemption process and no spend categories excluded
  • No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
  • 2 complimentary airport rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app.
  • Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
  • Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
  • Fast, safe and effortless purchases, with Apple Pay
  • PayLite: turn any big purchases into small payments
  • Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Unlimited, Automatic Cashback on all Spend

 

3% cashback on all non-AED spend

2% cashback on all grocery/supermarket spend

1% on all other spend

 

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

Things To Be Aware Of

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

on Citibank site

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Easy Installment Plan
  • Cash Loan
  • No Cash Advance, Late or Overlimit fee
  • Free for life

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min AED 99

Key Features

  • No annual fee, late payment fee, cash advance fee or overlimit fee- ever
  • Access to select airport lounges across the Middle East with MasterCard Travel Pass app
  • 20% instant discount (up to AED 14) on grocery and food orders twice a month on the Talabat app. Use promo code “MASTERCARD” at checkout.
  • PayLite: turn any big purchases into small payments
  • Complimentary supplementary cards for your family members

Reward Features

The Citi Simplicity card does not include any sort of rewards program. While it is certainly a great option for paying down debt.

Things To Be Aware Of

  • There are no rewards or cashbacks on this card
Apply Now

on Citibank site

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1050

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn 1% automatic cashback every day on all your purchases
  • Get 10% bonus on your total daily cashback
  • Get unlimited complimentary access to 1,000+ airport lounges
  • Earn up to AED 600 cashback as joining bonus.

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.15 % / or AED 105

Joining Offers

Enjoy up to AED 600 cashback when you open a Cash+ Credit card today. Below are couple of conditions.

  • AED 500 cashback joining offer is applicable on a new credit card with a total spend of AED 8000 in the first two months.
  • An additional AED 100 on adding the new HSBC card to a mobile wallet.

Key Features

  • Earn up to AED 600 cashback as joining bonus
  • Get 1% daily cashback on all eligible purchases, with no minimum spend or caps.
  • 1000s of discounts and benefits with the HSBC ENTERTAINER mobile app and I Love Dining programme
  • Book online and get 4 'Buy 1 Get 1 Free' tickets per month.
  • Also enjoy 20% discount on food and beverages at both cinemas’ locations.
  • Get unlimited access to 1000+ airport lounges in more than 300 cities all around the world
  • Complimentary cover of up to USD 500,000 for you and your family on all trips up to 90 days
  • Get up to 10% off airfares (excluding applicable taxes, charges and fees) when you book with your HSBC Cash+ Credit Card from 1 January 2023 until 31 December 2023, for travel dates up to 30 December 2024.

Reward Features

  • Get 1% daily cashback on all eligible purchases, with no minimum spend or caps.
  • Your daily cashback is automatically credited to your credit card account each day.
  • Automatically receive 10% bonus cashback on your daily cashback every month, quarter and year, subject to minimum spends.
  • Monthly : 10% of daily cashback earned in a month: Requires AED 5000 spend in a month
  • Quarterly: 10% of daily cashback earned in a month: Requires AED 25,000 spend in a month
  • Annually: 10% of daily cashback earned in a month: Requires AED 125,000 spend in a month

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Life Insurance
  • Contactless Tech
  • Free for life
  • Discounts & offers at Emaar establishments
  • Earn Upoints on spends
  • Buy 1 get 1 free on movie tickets at Reel Cinemas

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • Silver U by Emaar Status
  • Buy 1 get 1 free on movie tickets at Reel Cinemas
  • 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