+971

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 10,000

RATE

3.09%

ANNUAL FEE

AED 700

  • Valet Parking
  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Roadside Assistance
  • 50,000 Etihad Guest Miles welcome bonus
  • Free companion ticket on Etihad airways - any class
  • Free valet parking, roadside assistance, lounge access

MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Welcome Offer

Welcome bonus of 50,000 Etihad Guest Miles.

Key Features

  • Welcome bonus of 50,000 Etihad Guest Miles
  • Receive 3 Etihad Guest Miles for every AED 4 equivalent spent on international non-AED transactions
  • 50% off cinema tickets at VOX Cinemas across UAE on Sundays (max of 10 free tickets per month)
  • Receive up to 2. 2 Etihad Guest Miles for every AED 4 spent for local AED transactions
  • Free Companion Ticket – not available on any other Card in the Middle East!
  • Fast track to Etihad Guest Gold Tier
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Access to over 200 airport restaurant offers globally
  • Valet parking at select locations in the UAE
  • Pay your annual fees using 60,600 Etihad Guest Miles
  • Free Roadside Assistance 24/7 across the UAE
  • Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends
  • 4 free premium airport lounge visits per year globally
  • Withdraw 100% of your finance limit as cash
  • 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 Etihad Guest Miles

  • International Non-AED Transactions: Receive 3 Etihad Guest Miles for every AED 4 equivalent spent
  • Local AED Transactions: Receive up to 2. 2 Etihad Guest Miles for every AED 4 spent for AED transaction
  • Earn 1 Etihad Guest Mile for every 4 AED spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities) 

Things To Be Aware Of

  • Maximum of 100,000 Etihad Guest Miles per month
  • 5th supplementary card onwards annual fee is AED 2,000

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1,250

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Contactless Tech
  • Roadside Assistance
  • Exclusive discounts at Rotana properties
  • Earn Rotana reward points on all spends
  • Good travel & lifestyle benefits

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1,250

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • Up to 50% discount at any Rotana restaurant
  • 20% discount on hotel room bookings via www.rotana.com
  • Free Roadside Assistance
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Free ADIB Travel Desk
  • Access to over 850 airport lounges available worldwide
  • Withdraw 100% of your finance limit as cash
  • Earn Rotana Reward points on all spends
  • Exclusive Visa dining offers
  • USD $500,000 travel accident & inconvenience cover
  • Complimentary Global Concierge service

Reward Features

Rotana Rewards Exclusive Program

  • 1 Rotana Reward Point for every 1 AED spend within UAE
  • 2 Rotana Reward Points for every 1 AED spend in all Rotana properties in the UAE
  • 3 Rotana Reward points for every 1 AED spend Internationally

Things To Be Aware Of

  • All cashback categories have maximum caps
  • 5th supplementary card onwards annual fee is AED 1,250

MINIMUM SALARY

AED 20,000

RATE

3.45%

ANNUAL FEE

AED 787

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Welcome bonus of 60,000 CBD reward points
  • Premium lifestyle & travel benefits

MINIMUM SALARY

AED 20,000

RATE

3.45%

ANNUAL FEE

AED 787

Non AED Transaction Fee

2.75%

Cash Advance Fee

3.00 % / Min 105

Joining Offers

60,000 CBD Reward Points.
Welcome Bonus is given provided the cardholder spends 5000 AED within 30 days from card issuance date.

Key Features

  • No annual fees for the first year on primary card
  • CBD Points Rewards Program – earn up to 3 points for every AED spent
  • Complimentary access to Pharaoh's Wafi Club
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • AED 80 worth of cashback on Vox at 50% discount. Roxy offer of 20% discount.
  • Free valet parking 4 times per month in Dubai & Abu Dhabi
  • 50% discount on VOX cinema tickets across the UAE
  • Unlimited access to 900+ airport lounges, worldwide plus 1 guest
  • Multi-trip travel insurance cover up to US $1,000,000
  • 24 hour Visa Premium Concierge Service
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • Fraudulent card misuse protection
  • 8% off bookings on hotels.com
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service
  • Purchase Protection
  • Extended Warranty
  • 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

Earn Reward Points

  • Earn CBD Reward Points
  • Earn 0.5 point per  AED of grocery purchases
  • Earn 0.5 points per 1 AED of government purchases
  • Earn 2.5 points per 1 AED for all other local purchases
  • Earn 3 points per 1 AED for all other international purchases
  • CBD Points can be redeemed for Emirates Skywards Miles, Etihad Guest Miles in the rate of 20 for 1 mile or for Cash Back.

Things To Be Aware Of

  • Min spend of AED 5,000 per month
  • Required for some benefits

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Free for life
  • Welcome bonus of 20,000 CBD reward points

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.75%

Cash Advance Fee

3.00 % / Min 105

Joining Offers

Welcome Offer

20,000 CBD Reward Points.
Welcome Bonus is given provided the cardholder spends 500 AED within 30 days from card issuance date.

Key Features

  • No annual fees ever
  • CBD Points Rewards Program – earn up to 2 points for every AED spent 5
  • 0% discount on VOX cinema tickets across the UAE on Sundays
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • 8% off bookings on hotels.com
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service
  • Purchase Protection
  • Extended ​Warranty
  • Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Thrice a month 20% discounts on Careem rides
  • Buy 1 Get 1 offers on leisure, entertainment, and more
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn Reward Points

  • Earn CBD Reward Points
  • Earn 0.5 point per  AED of grocery purchases
  • Earn 0.5 points per 1 AED of government purchases
  • Earn 1 points per 1 AED for all other local purchases
  • Earn 1.5 points per 1 AED for all other international purchases
  • CBD Points can be redeemed for Emirates Skywards Miles, Etihad Guest Miles in the rate of 20 for 1 mile or for Cash Back.

Things To Be Aware Of

  • Some categories of spend earn fewer points
  • Min. spend of AED 2500 in 30 days is req. for welcome bonus

MINIMUM SALARY

AED 12,000

RATE

3.45%

ANNUAL FEE

AED 525

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Welcome bonus of 30,000 CBD reward points
  • Premium lifestyle & travel benefits

MINIMUM SALARY

AED 12,000

RATE

3.45%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.75%

Cash Advance Fee

3.00 % / Min 105

Joining Offers

Welcome Offer

  • 30,000 CBD Reward Points
  • Welcome Bonus is given provided the cardholder spends 2500 AED within 30 days from card issuance date.

Key Features

  • No annual fees for the first year on primary card
  • CBD Points Rewards Program – earn up to 2.5 points for every AED spent
  • Complimentary access to Pharaoh's Wafi Club
  • Free valet parking 2 times per month in Dubai & Abu Dhabi
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • 50% discount on VOX cinema tickets across the UAE
  • Unlimited access to 900+ airport lounges, worldwide
  • Multi-trip travel insurance cover up to US $500,000
  • 24 hour Visa Premium Concierge Service
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • Fraudulent card misuse protection
  • 8% off bookings on hotels.com
  • Visa Luxury Hotel Collection
  • YQ Meet & Greet Service
  • Purchase Protection
  • Extended Warranty
  • 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

Earn Reward Points

  • Earn CBD Reward Points
  • Earn 0.5 point per  AED of grocery purchases
  • Earn 0.5 points per 1 AED of government purchases
  • Earn 1.5 points per 1 AED for all other local purchases
  • Earn 2 points per 1 AED for all other international purchases
  • CBD Points can be redeemed for Emirates Skywards Miles, Etihad Guest Miles in the rate of 20 for 1 mile or for Cash Back.

Things To Be Aware Of

  • Min spend of AED 5,000 per month required for some benefits

MINIMUM SALARY

AED 20,000

RATE

3.69%

ANNUAL FEE

AED 750

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Complimentary ClassPass wellness app wth 200 fitness centers
  • Premium lifestyle & travel benefits
  • 20% off on Talabat food and grocery orders twice a month
  • Up to 20% discount across Emaar entertainment
  • 10% discount on Cleartrip and Booking.com

MINIMUM SALARY

AED 20,000

RATE

3.69%

ANNUAL FEE

AED 750

Non AED Transaction Fee

2.75%

Cash Advance Fee

3.00 % / Min 105

Joining Offers

Complimentary global flexible wellness membership with ClassPass app with access to over 200 fitness centers across UAE

 

Key Features

  • No annual fees for the first year on primary card
  • Attijari Points Rewards Program – earn up to 2.5 points for every AED spent
  • Complimentary access to Pharaoh's Wafi Club
  • Free valet parking 4 times per month in Dubai & Abu Dhabi
  • AED 140 worth of cashback on Vox at 50% discount. Roxy offer of 20% discount.
  • Unlimited access to 850+ airport lounges, worldwide
  • Luxury Serviced Apartments & Hotel Offers
  • 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
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Raffles, Fairmont and Swissotel Spa Offers
  • MyUS Online shopping benefits and offers
  • Mastercard Buy 1 Get 1 free offers
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features

Earn Reward Points

  • Earn CBD Reward Points
  • Earn 0.5 point per  AED of grocery purchases
  • Earn 0.5 points per 1 AED of government purchases
  • Earn 2 points per 1 AED for all other local purchases
  • Earn 2.5 points per 1 AED for all other international purchases
  • CBD Points can be redeemed for Emirates Skywards Miles, Etihad Guest Miles in the rate of 20 for 1 mile or for Cash Back.

Things To Be Aware Of

  • Min spend of AED 5,000 per month
  • Required for some benefits

MINIMUM SALARY

AED 50,000

RATE

2.99%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Preferential interest rates and higher credit limits
  • Free travel and medical insurance
  • Shopping discounts at selected partners across the UAE

MINIMUM SALARY

AED 50,000

RATE

2.99%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn CBI Reward points from the first Dirham you spend on your CBI Rewards World Mastercard
  • No rewards cap
  • Unlimited free access to over 650+ airport lounges worldwide
  • Upto AED 150 cashback on cinema spend every month, any day, any cinema in Dubai and across UAE
  • CBI Lifestyle - unique dining and entertainment discount program
  • Hertz Gold Plus Rewards Five Star membership
  • Balance transfer - 0% interest for 3 months
  • Discounted Fast Track travel visa services offer
  • Travel insurance confirmation letter
  • Travel inconvenience insurance
  • Travel emergency insurance cover up to US $500,000
  • Mastercard Buy 1 Get 1 free offers
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • MyUS Online shopping benefits and offers
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip

Reward Features

Earn CBI Reward Points on all spends on your CBI Rewards World Mastercard:

 

  • Earn 2.5 reward points for every 1 AED of spend internationally
  • Earn 1.75 reward points for every 1 AED of spend in UAE when the transaction amount is over AED 2,000
  • Earn 1 reward point for every 1 AED of spend locally
  • You can redeem your reward points for free flights (including taxes), hotel stays, car rentals, cash vouchers, online shopping, utility bill payments or simply get cash back on your card. You can also donate your points to charity.

Things To Be Aware Of

  • 4th supplementary card onwards AED 105

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • 1,000+ dining and lifestyle discounts via the CBI Lifestyle

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Upto AED 150 cashback on cinema spend every month, any day, any cinema in Dubai and across UAE
  • 1,000+ dining and lifestyle discounts via the CBI Lifestyle app
  • Complimentary airport lounge access to 25+ lounges in the Middle East & Levant
  • Exclusive Mastercard Priceless Arabia Offers
  • Free supplementary CBI Rewards Platinum Mastercard cards for family members
  • Up to 30% discounts at Cleartrip.ae
  • Avis Car rental discounts
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Exclusive MyUS.com offers
  • Reebonz online shopping privileges
  • Mastercard Buy 1 Get 1 free offers
  • Luxury service apartment and hotel offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn CBI Reward Points on all spends on your CBI Rewards Platinum Mastercard

  • Earn 1 reward point for every 1 AED of spend internationally
  • Earn 0.5 reward points for every 1 AED of spend locally
  • You can redeem your reward points for free flights (including taxes), hotel stays, car rentals, cash vouchers, online shopping, utility bill payments or simply get cash back on your card. You can also donate your points to charity.

Things To Be Aware Of

  • 3 supplementary cards are free, AED 26.25 thereafter

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 840

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • 1st Year Annual Fee waived
  • Earn CBI Reward points from the first Dirham you spend

MINIMUM SALARY

AED 15,000

RATE

3.45%

ANNUAL FEE

AED 840

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Welcome Bonus

50, 000 Bonus Reward Points or 1st Year Free – No annual fees for the first year*

Key Features

  • Earn CBI Reward points from the first Dirham you spend on your CBI Rewards World Mastercard
  • No rewards cap
  • Complimentary unlimited airport lounge access to 850+ airport lounges
  • Upto AED 150 cashback on cinema spend every month, any day, any cinema in Dubai and across UA
  • Exclusive dining and lifestyle discounts via CBI Lifestyle mobile app
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Balance transfer - 0% interest for 3 months
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers

Reward Features

Earn CBI Reward Points on all spends on your CBI Rewards World Mastercard Credit Card

  • Earn 2.5 reward points for every 1 AED of spend internationally
  • Earn 1.75 reward points for every 1 AED of spend in UAE when the transaction amount is over AED 2,000
  • Earn 1 reward point for every 1 AED of spend locally
  • You can redeem your reward points for free flights (including taxes), hotel stays, car rentals, cash vouchers, online shopping, utility bill payments or simply get cash back on your card. You can also donate your points to charity.

Things To Be Aware Of

  • 3 supplementary cards are free, AED 105 thereafter

MINIMUM SALARY

AED 36,750

RATE

3.25%

ANNUAL FEE

AED 3,000

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Earn up to 2.5 Skywards Miles per $ spend
  • Complimentary Emirates Skywards Silver membership
  • Exclusive 100% Metal card + Skywards Silver Membership
  • Unlimited complimentary golf in some of the courses in UAE
  • 25,000 welcome bonus Skywards Miles

MINIMUM SALARY

AED 36,750

RATE

3.25%

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 1000+ LoungeKey lounges worldwide (+guest)
  • Insurance cover for online purchases up to $1,000 per year, at no additional cost
  • 150 credits to enjoy 50% off your total bill at participating merchants across grocery delivery, dining and spas
  • ‘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
  • 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

  • 2.5 Skywards Miles per USD spend on tickets purchased online at emirates.com
  • 1.5 Skywards Miles per USD of FX spend
  • 1 Skywards Mile per USD of local spend

Redeem your Skywards Miles for reward flights and upgrades with Emirates

Things To Be Aware Of

  • VoucherSkout credits valid for 12 months from activation
  • Minimum spend of AED 5,000 per month for complimentary golf
APPLY NOW

Directly On Citi Mobile App

MINIMUM SALARY

AED 18,000

RATE

3.25%

ANNUAL FEE

AED 800

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Earn up to 1.25 Skywards Miles per $ spend
  • 1 Complimentary golf a month at the finest courses in UAE
  • 50% on food delivery, dine in bills voucherskout credits
  • Your Skywards Miles can be used for your next trip

MINIMUM SALARY

AED 18,000

RATE

3.25%

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 1000+ LoungeKey lounges worldwide (+guest)
  • 150 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • ‘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
  • 7. Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
  • 8. 0% interest for 3 months easy instalment plan on Emirates tickets purchased through www.emirates.ae
  • 9. Complimentary International Concierge Service
  • 10. Complimentary Travel Insurance
  • 11. 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

Things To Be Aware Of

  • VoucherSkout credits valid for 12 months from activation
  • Minimum spend of AED 5,000 per month for complimentary golf
APPLY NOW

Directly On Citi Mobile App

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 400

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Earn up to 1 Skywards Mile per USD spent
  • 50% off food delivery, dine in bills free Voucherskout crdts
  • Your Skywards Miles can be used for your next trip
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • No annual fee in Year 1

MINIMUM SALARY

AED 12,000

RATE

3.25%

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
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • Unlimited access to 1000+ LoungeKey lounges worldwide
  • 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
  • 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

  • VoucherSkout credits valid for 12 months from activation
  • Annual fee of AED 400 from year 2 onwards
APPLY NOW

Directly On Citi Mobile App

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Complimentary Movies and Golf Offers
  • VoucherSkout-Signup offer
  • Annual Fee Waiver for the first year
  • Flat 30% off 4 movie tickets at VOX Cinemas every month

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

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


Key Features

  • Redeem points for cash rebates, staycation bookings, merchandise or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways.
  • No annual fee for the first year
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • Flat 30% off 4 movie tickets at VOX Cinemas every month
  • Unlimited access to 1000+ LoungeKey lounges worldwide (+guest)
  • 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
  • 6. Complimentary Travel Insurance and Purchase Protection
  • 7. Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport
  • 8. Citibank World Privileges, Free Citibank Alerting service and much more

Reward Features

Earn 2 ThankYou® Points on non AED spend and 1.5 ThankYou® Points per USD on other 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
  • Book flights, hotels, rental cars and holiday packages with no blackout dates for bookings 
  • Choose from merchandise ranging from apparel to electronics to home goods and more

Things To Be Aware Of

  • Minimum spend of AED 5,000 p.m for complimentary golf access
  • 2nd year the annual fee applicable on this card is AED 750
APPLY NOW

Directly On Citi Mobile App

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1,500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Strong rewards earnings & travel benefits
  • VoucherSkout-Signup offer
  • Up to 4 buy1-get1 movie ticket offers each month

MINIMUM SALARY

AED 30,000

RATE

3.25%

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 750 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 750 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 1000+ LoungeKey lounges worldwide (+guest)
  • Insurance cover for online purchases up to $1,000 per year, at no additional cost
  • 150 free credits to enjoy 50% off total bills at participating merchants across grocery delivery, dining and spas
  • ‘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 Citi ThankYou® Points

  • Earn 3 ThankYou Points for any USD 1 spent in foreign currency       
  • Earn 2 ThankYou Points for any USD 1 spent in local currency (AED) 

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 15 airline and hotel partners for flights and hotel stays
  • Book flights, hotels, rental cars and holiday packages with no blackout dates for bookings 
  • Choose from merchandise ranging from apparel to electronics to home goods and more

Things To Be Aware Of

  • Minimum spend of AED 5,000 p.m for complimentary golf access
  • VoucherSkout credits valid for 12 months from activation
APPLY NOW

Directly On Citi Mobile App

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Earn ThankYou Reward points on all spends
  • VoucherSkout-Signup offer
  • Unlimited global airport lounge access to 1000+ lounges
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • AED 200 Cashback Welcome offer

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Receive AED 200 Cashback Welcome offer upon meeting minimum spend of AED 5,000 in 90 days. T&Cs apply.

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
  • 50 free credits to enjoy 50% off total bills at participating merchants across grocery & food delivery, dining, cinemas, golf, spas and theme parks!
  • Flat 30% off 2 movie tickets at VOX Cinemas every month
  • Unlimited access to 1000+ LoungeKey lounges worldwide
  • 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 Citi ThankYou® Points

  • Earn 1.5 ThankYou Points for any USD 1 spent on non AED spend
  • Earn 1 ThankYou Points for any USD 1 spent on all other AED spend

With your ThankYou® Points you have the flexibility to redeem for travel rewards, 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

Things To Be Aware Of

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

Directly On Citi Mobile App

MINIMUM SALARY

AED 25,000

RATE

2.99%

ANNUAL FEE

AED 525

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Contactless Tech
  • Complimentary ZOMATO GOLD membership valid for one year
  • 6 complimentary standard valet parking services each month
  • Access to 1100+ airport lounges across the world

MINIMUM SALARY

AED 25,000

RATE

2.99%

ANNUAL FEE

AED 525

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / AED 105

Key Features

  • Earn 5x miles on all airlines spends including through travel agents, worldwide
  • Earn 5x miles on hotel reservations booked through hotels or hotel booking websites
  • Earn 5x miles on all international spends in foreign currencies
  • 1.5x on local spends made in AED currency
  • Complimentary Zomato Gold Membership
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Complimentary lounge access for yourself and a guest to 1,100+ airport lounges globally
  • Complimentary valet parking at multiple locations in Dubai and Abu Dhabi up to 6 times per month
  • Travel accident & medical cover up to USD 500,000
  • Marriott Bonvoy hotel offers
  • MyUS Premium Shipping Discounts
  • Exclusive Avis & Hertz Car rental offers
  • Luxury Serviced Apartment discounts

Reward Features

Earn Miles Up rewards on all spends:

  • 5x on airline tickets purchased through airlines and travel agencies at their offices or websites, worldwide
  • 5x on hotel reservations booked through hotels or their websites, and hotel booking websites, worldwide
  • 5x on international spends made in foreign currencies
  • 1.5x on local spends made in AED currency

Payments towards utility bills, fuel, transport and government services are excluded from Miles Up accrual.
The minimum monthly retail spends required to start earning Miles Up is AED 2000.
The maximum Miles Up that the Customer can earn per billing cycle for all retail spend is 150,000 Miles Up.
The Customer must have 10,000 Miles Up to be able to redeem their Miles Up.

Customers have the option of redeeming their Miles Up against flights or hotel bookings, buying electronics or against gift vouchers listed on the Deem rewards online portal.

Things To Be Aware Of

  • Minimum monthly spend of AED 2,000 required to earn miles
  • Max. miles up that can be earned/billing cycle is 150,000

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 2,625

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Earn up to 75,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends
  • Premium Lifestyle benefits

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 2,625

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Joining Offers

  • Earn up to 75,000 bonus Skywards Miles with the Emirates Skywards DIB Infinite Credit Card
  • 25,000 bonus Miles on card activation.
  • 25,000 bonus Miles when you spend an equivalent of USD 20,000 or more in the first 4 card statements.
  • 25,000 bonus Miles on balance transfer.

Key Features

  • Earn up to 75,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Complimentary Emirates Skywards Silver membership
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary access to over 850+ VIP lounges globally for cardholder plus a guest
  • Easy 0% payment plan on Emirates tickets
  • Enjoy 25% dining discounts on online orders through Zomato
  • Complimentary access to the Emirates Towers Health Club
  • Luxury Hotel Collection offers from Visa
  • Up to 4 free valet parking services per month in Dubai & Abu Dhabi
  • Balance transfer facility
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • 24-hour personalised premium concierge service
  • 8% discount on hotel bookings made at Hotels.com
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • 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 Skyward Miles per 1 USD of spend:

  • Earn 2 Skyward Miles on all Emirates spends
  • Earn 1.5 Skyward Miles on all foreign currency spends
  • Earn 1 Skyward Mile on all local currency spends

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 525

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • 5,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 525

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Joining Offers

Earn bonus Skywards Miles:

5,000 bonus Miles on card activation.

Key Features

  • Earn 5,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Easy 0% payment plan on Emirates tickets
  • 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
  • Enjoy 25% dining discounts on online orders through Zomato
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Luxury Hotel Collection offers from Visa
  • Balance transfer facility
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • Access to over 200 airport restaurant offers globally
  • 8% discount on hotel bookings made at Hotels.com
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus

Reward Features

Earn Skyward Miles per 1 USD spend:

  • Earn 1 Skyward Mile on all Emirates spends
  • Earn 0.75 Skyward Miles on all foreign currency spends
  • Earn 0.5 Skyward Miles on all local currency spends

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 1,575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Earn up to 30,000 Bonus Skywards Miles
  • Earn Skywards Miles on all spends
  • Premium lifestyle benefits

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.26%

Cash Advance Fee

- / -

Joining Offers

Earn up to 30,000 bonus Skywards Miles with the Emirates Skywards DIB Signature Credit Card:

  • 15,000 bonus Miles on card activation

  • 15,000 bonus Miles on balance transfer

Key Features

  • Earn up to 30,000 Bonus Emirates Skywards Miles
  • Earn Skyward Miles on all spends
  • Complimentary access to over 850+ VIP lounges globally for cardholder
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Easy 0% payment plan on Emirates tickets
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Complimentary international concierge services
  • Complimentary travel insurance with cover up to US $500,000
  • Enjoy 25% dining discounts on online orders through Zomato
  • Luxury Hotel Collection offers from Visa
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Up to 3 free valet parking services per month in Dubai & Abu Dhabi
  • Balance transfer facility
  • Medical and legal referral services
  • Complimentary 365 days purchase protection
  • Global Customer Assistance Services
  • Extended warranty that doubles the original manufacturer warranty
  • Visa PayWave contactless technology
  • 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 Skyward Miles for every 1 USD spend:

  • Earn 1.5 Skyward Miles on all Emirates spends
  • Earn 1 Skyward Mile on all foreign currency spends
  • Earn 0.75 Skyward Miles on all local currency spends

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 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 10,000

RATE

3.49%

ANNUAL FEE

AED 699

  • Golf offers
  • Cinema Tickets
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Fast-Track Etihad Guest Silver Tier Status
  • Up to 3 Etihad Guest Miles per USD spent
  • Choice of two category spends to earn more miles
  • Unlimited 20% miles back on flight redemptions & upgrades
  • Up to 110,000 Etihad Guest bonus Miles & AED 699 cashback

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 699

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min AED103

Joining Offers

Welcome bonus of 70,000 Etihad Guest Miles upon payment of Annual Membership Fee.

Earn 40,000 Etihad Guest Miles along with the AMF of AED 699 on meeting spend of AED 35,000 in six months.

Key Features

  • Fast-Track to Etihad Guest Silver Tier Status. Enjoy 2 complimentary wifi vouchers every membership year.
  • Take advantage of up to 2 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
  • Unlimited 20% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • Enjoy unlimited complimentary access to over 1000 airport lounges.
  • Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week.The maximum cashback a cardholder can earn is AED 75 per month.
  • Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays.
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE. All you have to do is present your Emirates Islamic Etihad Guest Ameera card at the valet parking desk.
  • Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift.
  • When you buy quality, you expect it to last. That’s why we automatically double the original manufacturer's warranty up to one year from the expiry date of the original warranty.
  • No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.
  • Take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online, 24 hours a day, from anywhere in the world by simply calling Concierge hotlines.

Reward Features

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

3 Etihad Guest mile for spend at  Etihad Airline
2 Etihad Guest mile for spend at International Spend
2.5 Etihad Guest mile for spend at two chosen categories
Upto 1.5 Etihad Guest mile for spend at domestic spend

Emirates Islamic Etihad Guest Ameera card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same. 

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 15,000 Tier Miles can be earned in a membership year.

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 199

  • Cinema Tickets
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Up to 2 Etihad Guest Miles per USD spent
  • Unlimited 10% miles back on flight redemptions & upgrades
  • Discounts on dining, travel, hotels and shopping
  • Get up to 50,000 Etihad Guest bonus Miles & AED 199 cashback

MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 199

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min AED103

Joining Offers

Welcome bonus of 30,000 Etihad Guest Miles upon payment of Annual Membership Fee. Addtional 20,000miles along with AMF of AED 199 on spending 20,000 within 6 months.


Key Features

  • Unlimited 10% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • 0% Easy Payment Plan on Etihad purchases
  • Convert your purchases made at etihad.com into convenient monthly installments, of 3 or 6 months. Processing fee of 2% will be applied.
  • Complimentary Inflight wifi vouchers
  • Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week.
  • Extended Warranty Luxury Hotel Collection
  • Global Assistance
  • Purchase Protection time you make a purchase.
  • Balance Transfer Facility
  • Cash Advance

Reward Features

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

2 Etihad Guest Miles for spend at Etihad Airlines
1.5 Etihad Guest Miles for spend on international spends
2 Etihad Guest Miles for spend on two categories of your choice
2 Etihad Guest Miles for spend on domestic spend

With Emirates Islamic Etihad Guest Platinum card, you will earn 2 Etihad Guest Miles for every USD 1 spent on Mobile Wallets & Online Transactions.

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 1,500

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Fast-Track Etihad Guest Gold Tier Status
  • Up to 3.5 Etihad Guest Miles per USD spent
  • Choice of two category spends to earn more miles
  • Unlimited 50% miles back on flight redemptions & upgrades
  • Upto 175,000 Etihad Guest bonus Miles & AED 1,500 cashback

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / or AED 103

Joining Offers

Earn up to 100,000 Etihad Guest Miles as welcome bonus up on payment of Annual Membership Fee. Earn 75000 Etihad Guest miles on spending AED 60000 in six months and get AED 1500 cashback.


Key Features

  • Fast-Track to Etihad Guest Gold Tier Status
  • Unlimited 50% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • 4 Complimentary Inflight wifi vouchers every membership year
  • Up to 4 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
  • 0% Easy Payment Plan on Etihad purchases
  • Enjoy unlimited complimentary access to over 1000 airport lounges with a guest
  • 50% cashback on Cinema tickets, any day of the week. The maximum cashback a cardholder can earn is AED 100 per month.
  • Enjoy unlimited complimentary golf rounds at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays.
  • Enjoy 2 complimentary valet parking services per month at select locations across the UAE.
  • Covered for travel accident and travel inconvenience insurance on all trips of up to 90 days duration. Visit to get you travel insurance certificate
  • Enjoy a coverage of USD 7,500 per occurrence & USD 20,000 per year. For further assistance, please call one of the numbers
  • VISA International to bring you exclusive discounts and special offers. Your Etihad Guest Visa Infinite Credit Card privileges connect you to a world of even changing luxury
  • Use your Emirates Islamic Etihad Guest Visa Infinite card to pay for your purchases to get Extended Warranty.
  • Now you can really save big time with your Etihad Guest Visa Infinite Credit Card balance transfer facility.
  • Take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online.
  • No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.

Reward Features

For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.

3.5 Etihad Guest miles on spend at Etihad Airlines
3 Etihad Guest miles on International spend
2.5 Etihad Guest miles on two chosen Categories
Upto 2 Etihad Guest miles on domestic spend

Emirates Islamic Etihad Guest Premium card gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same. 

You will earn 2.5 Etihad Guest Miles for every USD 1 spend on the chosen categories. The Etihad Guest Mile earning on the 2 chosen categories is capped at 1,500 Miles per category per month.

You also have the option to change your chosen categories every quarter by calling our call center.

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 20,000 Tier Miles can be earned in a membership year.

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 899

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Fast-Track Etihad Guest Silver Tier Status
  • Up to 3 Etihad Guest Miles per USD spent
  • Choice of two category spends to earn more miles
  • 20% miles back on flight redemptions & upgrades
  • Get upto 110,000 Etihad Guest bonus Miles & AED 899 cashback

MINIMUM SALARY

AED 10,000

RATE

3.49%

ANNUAL FEE

AED 899

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / or AED 103

Joining Offers

Welcome bonus of 70,000 Etihad Guest Miles upon payment of Annual Membership Fee.  40,000 Etihad Guest Miles  + AED 899 on meeting the spend criteria of AED 35000 in six months.


Key Features

  • Fast-Track to Etihad Guest Silver Tier Status
  • Unlimited 20% Miles back on booking/upgrading a flight with Etihad Guest Miles
  • Enjoy 2 complimentary wifi vouchers every membership year.
  • Take advantage of up to 2 complimentary airport transfers per calendar year to or from Abu Dhabi airport.
  • Enjoy unlimited complimentary access to over 1000 airport lounges.
  • Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week. Maximum cashback is AED 75 per month
  • Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Track Meydan Golf Club, The Trump International Golf Club or Yas Links Golf Club on weekends or weekdays. A retail spend of AED 5000 is required
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE. A retail spend of AED 3,000 is required on your card to avail the benefit.
  • Multi trip travel Insurance
  • Purchase protection provides you with additional peace of mind every time you make a purchase
  • Extended Warranty up to one year from the expiry date of the original warranty.
  • No matter where you are in the world, VISA International multilingual service representatives are on hand to assist you 24 hours a day, 365 days a year.
  • Global Concierge: take advantage of a host of services including and not limited to flight/hotel/restaurant reservations available to you over the phone or online, 24 hours a day

Reward Features

3 Etihad Guest miles at Etihad Airline spend
2 Etihad Guest miles at international spend
2.5 Etihad Guest miles at two chosen categories
Upto 1.5  Etihad Guest miles at domestic spend

Emirates Islamic Etihad Guest Saqer card is the only credit card in the UAE that gives you the freedom of choice to define your preferred categories and earn Etihad Guest Miles on spends made on the same.

Earn 1 Etihad Guest Tier Mile for every 1 USD spent internationally on non-AED currency using your card. A maximum of 15,000 Tier Miles can be earned in a membership year.

Things To Be Aware Of

  • This card joining offer is only 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
  • Welcome Bonus of 10,000 EI SmartMiles
  • 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

Welcome bonus of 10,000 EI SmartMiles worth AED 100

Key Features

  • Welcome bonus of 10,000 EI SmartMiles
  • 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
  • Welcome bonus of 150,000 EI SmartMiles worth AED 1,500
  • Get up to 3.75% back per AED (in form of SmartMiles)
  • Complimentary Unlimited access to 1000 lounges worlwide
  • 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

Welcome bonus of 75,000 EI SmartMiles upon payment of Annual Fee for the first year.

Key Features

  • Welcome bonus of 150,000 EI SmartMiles worth AED 1,500
  • 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 2.5 EI Smart Miles per AED on local transactions.

Earn Upto 3.75 EI Smart Miles per AED on international 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.

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

10,000 EI SmartMiles= 2,500 Etihad Miles

20,000 EI SmartMiles = 4,000 InterMiles

 

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 25,000

RATE

3.09%

ANNUAL FEE

AED 2,100

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Complimentary Emirates Skywards Silver Membership
  • Complimentary Valet Parking Service
  • Enjoy unlimited comp. access to over 1000 airport lounges
  • 20% off on careem rides

MINIMUM SALARY

AED 25,000

RATE

3.09%

ANNUAL FEE

AED 2,100

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Joining Offers

Sign up for an Emirates Islamic Skywards Credit Card and enjoy 50% Cashback up to AED 2,000 on your first spend with Emirates Airline. Additionally, you get 10,000 bonus Skywards Miles.

Key Features

  • Automatic upgrade offer to Emirates Skywards Silver membership.
  • Free Valet parking up to 2 times per month
  • Enjoy up to 3 "Buy 1 Get 1" complimentary movie tickets each month, any day of the week at Reel Cinemas
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • Up to 2 Skywards Miles per USD spent on your Emirates Islamic Skywards Infinite Credit Card
  • Earn additional Skyward Miles with ExtraMiles App
  • 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
  • Unlimited Complimentary Golf at Arabian Ranches and Track Meydan Clubs. Discounts at 14 clubs in UAE and Muscat
  • 8% discount on hotel bookings made at Hotels.com
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Visa Premium Concierge service
  • DragonPass 'Dine & Fly' airport dining program
  • Mazaya offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts

Reward Features

On your Emirates Islamic Infinite Skywards Credit card you will earn Emirates Skywards Miles on all spends

  • Earn 1 Mile for every USD 1 spent on local transactions.
  • Earn 1.5 Miles for every USD 1 spent on international transactions.
  • Earn 2 Miles for every USD 1 spent on all Emirates Airlines transactions.
  • Earn additional Skyward Miles with ExtraMiles App.

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Enjoy earning Miles for every USD 1 spend
  • Double Skywards Miles for every transaction at Emirates
  • Two rounds of Complimentary golf any day of the week
  • 1 complimentary valet parking service per month
  • Unlimited complimentary access to over 1000+ airport lounges

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.00 % / Min 199

Joining Offers

Sign up for an Emirates Islamic Skywards Credit Card and enjoy 50% Cashback up to AED 1,000 on your first spend with Emirates Airline.  

Key Features

  • Earn EI SmartMiles for every retail spend on your card
  • Earn double Skyward Miles for spends at Emirates Airlines
  • Enjoy up to 2 "Buy 1 Get 1" complimentary movie tickets each month, any day of the week at Reel Cinemas. This benefit requires a minimum spend of AED 3000 per month.
  • 1 Complimentary Valet Parking Service a month at select location
  • Enjoy 15% off on Emaar locations
  • Earn additional Skyward Miles with ExtraMiles App
  • Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
  • Mazaya Offers Programme
  • Visa Luxury Hotel collection offers
  • Complimentary rounds twice a month at the Arabian Ranches or Track Meydan. Discounts at 14 clubs in UAE and Muscat
  • Balance transfer facility
  • Medical & Legal referral assistance
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • 24-hour personalised premium concierge service
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts

Reward Features

On your Emirates Islamic Skywards Signature credit card earn Emirates Skywards Miles on all spends

  • Earn 0.75 Miles for every USD 1 spent on local transactions
  • Earn 1.1 Miles for every USD 1 spent on international transactions
  • Earn 1.5 Miles for every USD 1 spent on all Emirates Airlines transactions
  • Earn additional Skyward Miles with ExtraMiles App

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

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
  • Car Registration
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Best-in-class Skywards Miles earning - earn and redeem
  • Earn up to 100,000 Skywards Miles
  • Earn up to 2 Miles per USD 1 of retail spends

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

  • Earn up to 100,000 Skywards Miles with your Skywards Infinite Credit Card.
  • Complimentary Rotana Rewards Exclusive Club Membership with your Skywards Infinite Credit Card

Key Features

  • Earn up to 2 Miles per USD 1 of retail spends
  • Complimentary Emirates Skywards Silver membership
  • Complimentary night with Marriott Vacation Club
  • Complimentary Rotana Rewards Exclusive Club Membership (First year only)
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Unlimited complimentary access to over 650+ VIP lounges worldwide for primary, supplementary and 1 guest each
  • 24-hour personalised premium concierge service
  • Up to 4 airport transfers per calendar year
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 12 times per calendar year
  • 50% off movie tickets every Sunday at VOX Cinemas
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and Muscat.
  • Salik auto top-up feature
  • 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
  • Bon Appetit - Exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Exclusive offers on Emirates.ae
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)

Reward Features

Earn Skyward Miles

  • Earn Skywards Miles
  • Spend with Emirates NBD Skywards Infinite Credit Card to earn Skywards Miles on your everyday spends. You can earn up to 2 Skywards Miles per USD equivalent spend.
  • Earn 2 Miles on Emirates and flydubai spends
  • Earn 2 Miles on duty free, online food delivery and car booking apps spends.
  • Earn 1.5 Miles on International spends
  • Earn 1 Mile on Domestic spends

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 700

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Best-in-class Skywards Miles earning - earn and redeem miles
  • Good lifestyle offers
  • Complimentary, unlimited worldwide lounge access
  • Exclusive Concierge Desk and privileges

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 700

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Earn up to 40,000 Skywards Miles with your Skywards Signature Credit Card:

  • 15,000 Skywards Miles on payment of the joining fee( AED 1499).
  • 15,000 Skywards Miles on spending minimum USD 10,000 within the first three billing statements.
  • 10,000 Skywards Miles on spending minimum USD 3,750 on emirates.com or at any Emirates sales office in the UAE within the first twelve billing statements.

Key Features

  • Earn up to 1.5 Miles per USD 1 of retail spends
  • Unlimited complimentary access to over 650+ VIP lounges worldwide
  • Dedicated concierge service
  • Up to 2 airport transfers per calendar year
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and muscat.
  • 20% off at Roxy on weekdays on Ultra Premium, Platinum Plus and Classic Silver Plus
  • Pick up & delivery of car for servicing & registration once a year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Free Local courier services within UAE up to 6 times per calendar year
  • Complimentary golf access twice a month at select courses
  • Exclusive discounts at Lifeline Health Club Abu Dhabi
  • Salik auto top-up feature
  • 24-hour personalised premium concierge service
  • 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
  • 8% discount on hotel bookings made at Hotels.com
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Exclusive offers on Emirates.ae
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel Insurance cover
  • 50% off movie tickets every Sunday at VOX Cinemas

Reward Features

Earn Skyward Miles
Per 1 USD of spend:

  • Earn 1.5 Miles on Emirates and flydubai spends
  • Earn 1.5 Miles on duty free, online food delivery and car booking apps spends
  • Earn 1 Mile on International spends
  • Earn 0.75 Miles on Domestic spends

Things To Be Aware Of

  • Golf access requires min spend of AED 5,000 per month

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 50,000

RATE

2.99%

ANNUAL FEE

AED 1,500

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Exclusive lifestyle offers and perks
  • Golf club privileges
  • Exclusive Concierge Desk Privileges
  • AED 400 Noon Voucher ( T&Cs apply)

MINIMUM SALARY

AED 50,000

RATE

2.99%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

AED 400 Noon Voucher ( T&Cs apply)


Key Features

  • Earn Plus Points rewards on all domestic and international spends
  • Redeem Plus Points for gift vouchers, frequent flyer miles, annual fee waivers or cash back
  • Unlimited complimentary access to over 650+ VIP lounges worldwide for primary, supplementary and 1 guest each
  • Dedicated concierge service
  • Up to 4 airport transfers per calendar year
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 12 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Complimentary golf at not 4, but 5 golf courses across the UAE, twice a month. Discounts at 14 clubs in the UAE and Muscat.
  • Salik auto top-up feature
  • Bon Appetit - Exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • 20% off at Roxy cinema on weekdays. Not valid on public holidays and applicable untill Sept 2020. There is no minimum spend requirement on this card for this offer.
  • International Medical & Travel Assistance
  • Purchase Protection cover for lost, stolen and damaged goods
  • Extended Warranty - automatically double the manufacturer's warranty
  • Travel Insurance cover
  • 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
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)

Reward Features

Earn Plus Points Rewards

  • Earn Plus Points for every spend and redeem them instantly at your favorite stores. You can also convert your Plus Points to Frequent Flyer Miles or Cash back.
  • Earn up to 2 Plus Points for every AED 100 spend
  • Earn 0.4% Plus Points in supermarkets and groceries spends
  • Earn 0.4% Plus Points in Insurance and Car Dealership spends
  • Earn 0.2% Plus Points in Fuel and Utility Payments
  • Earn 0.2% Plus Points in Real Estate and Education spends
  • See more information and redemption options

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
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Air Miles
  • Roadside Assistance
  • No Annual fee
  • 2 Airport transfers per annum
  • 4 complimentary access to 1000 + airport lounges
  • Enjoy upto 4 movie tickets at discounted rates
  • Spend and win cash prizes

MINIMUM SALARY

AED 15,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.50 % / Min 105

Joining Offers

Spend and win cash prize

Every July:  January to June ( 6 months). Cummulative spend of AED 25000 in 6 months. Total winners per draw 20. Maximum wining amount  25000

Every January : 

January to December( previous year). 

Cummulative spend of AED 50000 in 12months. Total winners per draw 20. Maximum wining amount  50000

Cummulative spend of AED 25000 to AED 50000 in 12months. Total winners per draw 100. Maximum wining amount  1000.

Key Features

  • Avis Car rental discounts
  • Free airport lounge access at 1000+ airports
  • Complimentary valet parking
  • Free cinema offers
  • Buy 1 and Get 1 offers
  • Get up to 10% cashback all year round at leading global online stores
  • Earn Fab rewards on spend
  • Mastercard Global purchase protection
  • Mastercard Emergency assistance
  • Dining Offers and Hotel discounts
  • WARNING If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance.

Reward Features

The all-new Rewards on the FAB Mobile app

  • Earn up to 4 FAB Rewards for every AED 1 you spend
  • 25% extra FAB Rewards for your spending in Abu Dhabi
  • Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Roadside Assistance
  • Rent with Avis and get a complimentary upgrade , worldwide
  • No Annual Fee
  • Access to airport lounges across the Middle East
  • 20% off 3 rides on careem

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Spend and win cash prize

Every July:  January to June ( 6 months). Cummulative spend of AED 25000 in 6 months. Total winners per draw 20. Maximum wining amount  25000

Every January : January to December( previous year). 

  • Cummulative spend of AED 50000 in 12months. Total winners per draw 20. Maximum wining amount  50000
  • Cummulative spend of AED 25000 to AED 50000 in 12months. Total winners per draw 100. Maximum wining amount  1000.

Key Features

  • Complimentary airport lounge access
  • Attractive Avis Car Rental discounts
  • Discounted careem rides
  • Master card buy1 and get 1 offers throughout Middle East & Africa across fine dining, premium spas or activities
  • Shop smart Get up to 10% cashback all year round at leading global online stores using your FAB Credit Card and SHOP SMART through the Fab mobile app.
  • Select a loyalty program of your choice - rewards or cashback
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • Unlimited access to airport lounges across the Middle East
  • Emergency auto assistance
  • Balance Transfer

Reward Features

The all-new Rewards on the FAB Mobile app

  • Earn up to 2.5 FAB Rewards for every AED 1 you spend
  • 25% extra FAB Rewards for your spending in Abu Dhabi
  • Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 8,000

RATE

2.08%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • No annual fee
  • Enjoy 2 airport transfers every year
  • Exclusive offers and 5% cashback from Al-Futtaim showrooms
  • Enjoy access to airport lounges across the Middle East
  • Complimentary 0% balance transfer for up to 12 months

MINIMUM SALARY

AED 8,000

RATE

2.08%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn Al-Futtaim Stars on all purchases and redeem them for a range of travel benefits
  • Enjoy 0% EPP at Al-Futtaim showroom and storess
  • Complimentary 0% balance transfer for up to 12 months
  • 5% Cashback Rewards in the form of Al-Futtaim Stars for every AED 1 spent at Al-Futtaim showrooms and stores
  • Exclusive offers from Al-Futtaim showrooms and stores
  • Movie tickets from just AED 15 - at Cine Royal, Oscar Cinemas and Reel Cinemas
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Unlimited airport lounge access across select airports in the Middle East
  • Purchase protection cover
  • Global lost & stolen reporting service & emergency card replacement
  • Introducty interest rate of 2.08% for first year post which the standard rates apply
  • 3.25% with salary transfer and 3.5% without salary transfer

Reward Features

Exchange your Al-Futtaim FAB Rewards for an unmatched range of rewards

UP TO 10 AL-FUTTAIM FAB REWARDS FOR YOUR PURCHASES

Earn ten Al-Futtaim Rewards for every Dirham spent at Al-Futtaim’s stores, showrooms or schools, and two Al Futtaim FAB Rewards for every Dirham spent elsewhere. 

REDEEM YOUR AL-FUTTAIM FAB REWARDS FOR A HOST OF BENEFITS

Redeem your Al-Futtaim FAB Rewards for Etihad Guest Miles, Skywards Miles from Emirates, e-vouchers or cashback credited to your Al-Futtaim Credit Card. Your Al-Futtaim FAB Rewards can also be used at participating Al-Futtaim stores at the check-out counter to pay for your purchases.

EXCLUSIVE AL-FUTTAIM OFFERS

  • Get exclusive offers from Al-Futtaim brands.

Things To Be Aware Of

  • Some benefits require minimum spend

MINIMUM SALARY

AED 40,000

RATE

1.66%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • Premium card with no annual fee
  • Travel benefits including Meet & Greet, airport drop
  • Premium luxury lifestyle & travel benefits
  • 5% cashback Rewards in the form of Al-Futtaim FAB Rewards
  • Own personal travel advisor to the World Elite Air Program

MINIMUM SALARY

AED 40,000

RATE

1.66%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • 5% Cashback Rewards in the form of Al-Futtaim Stars for every AED 1 spent at Al-Futtaim showrooms and stores
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Have your own personal travel advisor and access to the World Elite Air Programme
  • Enjoy 0% EPP at Al-Futtaim showrooms and stores
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Instant upgrade to DISCOVERY Black-level membership, a loyalty programme of Global Hotel Alliance
  • Complimentary upgrade to Gold status in Qatar Airways Privilege Club
  • 40% discount on travel visa related services
  • Curated benefits through Priceless Arabia Mastercard offers
  • Exclusive discounts on Airport Meet & Greet services
  • Upto 8 discounted tickets at VOX
  • Upgrades, savings & discounts on select airlines through the World Elite Air Programme
  • 8 complimentary airport pick up and drop off services per calendar year
  • Complimentary access to 900+ lounges globally for the cardholder PLUS a guest
  • Complimentary Travel Accident Insurance cover of up to US $500,000
  • Rental vehicle collision and Loss Damage waiver of up to US $50,000
  • Global lost & stolen reporting service & emergency card replacement
  • Introductory rates of 1.66% for the first year post which the below applies
  • 3.5% for customers without salary transfer
  • 3.25% for customers with salary transfer

Reward Features

Exchange your Al-Futtaim FAB Rewards for an unmatched range of rewards

  • UP TO 10 AL-FUTTAIM FAB REWARDS FOR YOUR PURCHASES

    Earn ten Al-Futtaim Rewards for every Dirham spent at Al-Futtaim’s stores, showrooms or schools, and two Al Futtaim FAB Rewards for every Dirham spent elsewhere. 

  • REDEEM YOUR AL-FUTTAIM FAB REWARDS FOR A HOST OF BENEFITS

    Redeem your Al-Futtaim FAB Rewards for Etihad Guest Miles, Skywards Miles from Emirates, e-vouchers or cashback credited to your Al-Futtaim Credit Card. Your Al-Futtaim FAB Rewards can also be used at participating Al-Futtaim stores at the check-out counter to pay for your purchases. 

  • EXCLUSIVE AL-FUTTAIM OFFERS

    Get exclusive offers from Al-Futtaim brands. 

Things To Be Aware Of

  • Some benefits require minimum spend of AED 2,000

MINIMUM SALARY

AED 15,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • No annual fee
  • 10% cashback on du bills
  • Fab rewards are instantly redeemable for du bills
  • Access to airport lounges across the Middle East

MINIMUM SALARY

AED 15,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • 10% discount on du postpaid and home services
  • 10% bonus credit on prepaid line recharges
  • 10% discount on your du smartphone Privilege Plan monthly data charges
  • Accelerated First Reward points on du transactions
  • Select a loyalty program of your choice - rewards, miles or cashback
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • AVIS Car rental offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Talk for free
  • Tap & Go
  • Shop smart
  • Free access 6 times a year to VIP airport lounges worldwide
  • Free VIP Diamond Lounge Access at Abu Dhabi airport
  • Valet parking up to 5 times a month in Dubai & Abu Dhabi
  • Upto 4 discounted tickets at VOX
  • Balance Transfer

Reward Features

  • 10% cashback on your du postpaid line bills
  • 10% cashback on du home services bill payments
  • 10% cashback on prepaid line recharges
  • 10% cashback on your du smartphone Privilege Plan monthly data charges

You can benefit from the offers above after a minimum spend of AED 2,500 on your du Platinum Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.

  • Earn up to 4 FAB Rewards for every AED 1 you spend
  • Enjoy instant redemption and choose from an extensive selection of rewards, including shopping, cashback, utility bill payments, dining out or booking your next holiday

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • No annual fee
  • 10% cashback on du bills
  • Fab rewards are instantly redeemable for du bills
  • Access to airport lounges across the Middle East

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • 10% discount on du postpaid and home services
  • 10% discount on du Smart Phone Privilege Plan
  • 10% bonus credit on prepaid line recharges
  • 10% discount on du home services bill payments
  • Accelerated First Reward points on du transactions
  • Select a loyalty program of your choice - rewards or cashback
  • Reward redemption against your du bill payments
  • Tap & go
  • Talk for free
  • Unlimited access to airport lounges across the Middle East
  • VIP Diamond Lounge Access
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • Balance Transfer

Reward Features

  • 10% cashback on your du postpaid line bills
  • 10% cashback on du home services bill payments
  • 10% cashback on prepaid line recharges
  • 10% cashback on your du smartphone Privilege Plan monthly data charges

You can benefit from the offers above after a minimum spend of AED 1,250 on your du Titanium Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.

  • Earn up to 2.5 FAB Rewards for every AED 1 you spend
  • Enjoy instant redemption and choose from an extensive selection of rewards, including shopping, cashback, utility bill payments, dining out or booking your next holiday

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 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 30,000

RATE

3.5%

ANNUAL FEE

AED 2,500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • 75% Etihad Guest Miles Discount Voucher
  • Fast Track Enrolment to Etihad Guest Gold Membership
  • Complimentary Inflight Wifi Vouchers
  • Optional Etihad Guest Miles Accelerator
  • 55,000 welcome Etihad Guest Miles

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

  • Receive 55,000 Etihad Guest Miles as welcome bonus
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Double Etihad Guest Tier Miles
  • Complimentary Inflight Wifi Vouchers
  • Earn bonus Etihad Guest Miles of 55000 on a spend of AED 100000 in the first six months
  • 75% Miles Discount Voucher every year on reaching an annual spend of AED 200,000
  • Optional Miles Accelerator program
  • Fast track enrolment to Etihad Guest Gold membership
  • 6 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Exclusive 24/7 Concierge Service
  • 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)
  • 8% discount on hotel bookings made at Hotels.com
  • Shop Smart
  • Extended warranty
  • International medical and travel assistance
  • Home content insurance
  • 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

Reward Features

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

  • Domestic transactions (AED): 3.5 Miles earned per AED 10
  • International transactions (non-AED): 6.0 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 7.0 Miles earned per AED 10

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

  • Supplementary cards have annual fee of AED 250

MINIMUM SALARY

AED 8,000

RATE

3.50%

ANNUAL FEE

AED 500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • 10,000 welcome Etihad Bonus Guest Miles
  • 25% Etihad Guest Miles discount voucher
  • Miles Accelator and Double Miles on recurring trans.
  • Airport Transfers Facility
  • Free Cinema Tickets

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

  • Receive 10,000 Etihad Guest Miles as welcome bonus for primary Card
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Miles Accelator Program
  • Earn bonus Etihad Guest Miles of 20000 on a spend of AED 40000 in the first six months
  • 25% Etihad Guest Miles discount voucher
  • Optional Miles Accelerator program
  • 2 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • 40% discount at over 100 golfcourses worldwide
  • Visa VOX Cinemas offer - 50% off on Sundays
  • Global purchase protection
  • Extended warranty
  • International medical and travel assistance
  • Home content insurance

Reward Features

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

  • Domestic transactions (AED): 2.0 Miles earned per AED 10
  • International transactions (non-AED): 3.5 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 4.0 Miles earned per AED 10

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

  • Some benefits require min spend
  • Supplementary cards have annual fee of AED 250

MINIMUM SALARY

AED 15,000

RATE

3.5%

ANNUAL FEE

AED 1,500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • 35,000 welcome Etihad Guest Miles
  • 50% Etihad Guest Miles discount voucher
  • Access to 1000+ airport lounges across the world
  • Fast track enrolment to Etihad Guest Silver Membership
  • Earn up to 6.5 Etihad Guest Miles for every AED 10 spent

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

  • Receive 35,000 Etihad Guest Miles as welcome bonus for primary Card
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Double Etihad Guest Tier Miles
  • Earn Etihad Guest Miles on all your purchases
  • Visa luxury hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 50% Miles Discount Voucher every year on reaching an annual spend of AED 150,000
  • Optional Miles Accelerator program
  • 10% discount on Etihad Airways holiday package
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Fast track enrolment to Etihad Guest Silver membership
  • Complimentary inflight wi-fi vouchers
  • 2 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Access to 1000+ airport lounges across the world, 8 times per annum
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Visa golf access - exclusive discounts on highly prestigious golf courses
  • Exclusive 24/7 Concierge Service
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • Shop Smart
  • International medical and travel assistance
  • Home content insurance
  • 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 ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

  • Domestic transactions (AED): 2.75 Miles earned per AED 10
  • International transactions (non-AED): 4.5 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 5.5 Miles earned per AED 10

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

  • Supplementary cards have annual fee of AED 250

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 550

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Roadside Assistance
  • Exclusive Ferrari offers
  • Extensive premium lifestyle benefits
  • Premium travel benefits

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

  • Exclusive Ferrari experiences - Ferrari Driving Experience, Ferrari Challenge Race, Ferrari Factory and Museum Tour
  • Complimentary Premium Subscription to the Scuderia Ferrari Online Community
  • Choice of loyalty rewards - Rewards, Miles or Cashback
  • Unlimited access to 750+ airport lounges globally for cardholder plus a guest
  • Airport Dining Discount Program with DragonPass
  • Discounts with Agoda
  • Visa Luxury Hotel Collection
  • 90+ TimeOut Dining offers in UAE
  • 20% off at Jumeirah Dining establishments
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Valet parking up to 5 times a month in Dubai & Abu Dhabi
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Jumeirah Hotel Stay Offers
  • YQ Meet & Greet Service discounts
  • AVIS Car Rental offers
  • Medical & Travel assistance
  • Global Customer Assistance Services
  • Multi-trip travel insurance cover up to US $1,000,000
  • Purchase protection
  • Extended warranty
  • Balance Transfer

Reward Features

Choose from First Rewards, First Miles or First Cashback

First Rewards

  • Earn 1 First Reward point for every 1 AED spent locally
  • Earn double reward points for international spends (points awarded for minimum spend of AED 500 and maximum of AED 20,000)
  • No reward points on utility bill spends above AED 2,000
  • Earn double reward points for supermarket spends
  • No points for govt and fuel spends

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

  • Cashback categories have maximum caps
  • Some benefits require minimum spend of AED 1,500 p.m

MINIMUM SALARY

AED 12,000

RATE

3.50%

ANNUAL FEE

AED 550

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Roadside Assistance
  • Exclusive Ferrari offers
  • Lifestyle and travel benefits
  • Choice of different loyalty rewards types

MINIMUM SALARY

AED 12,000

RATE

3.50%

ANNUAL FEE

AED 550

Non AED Transaction Fee

2.95%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Exclusive Ferrari experiences - Ferrari Driving Experience, Ferrari Challenge Race, Ferrari Factory and Museum Tour
  • AVIS Car Rental offers
  • Complimentary premium subscription to the Scuderia Ferrari Online Community
  • Choice of loyalty rewards - Rewards, Miles or Cashback
  • Unlimited access to 500+ airport lounges globally
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Visa Luxury Hotel Collection
  • Valet parking up to 5 times a month in Dubai & Abu Dhabi
  • 10 tickets under Buy1 get 1 at VOX and 20% off at Roxy. Also avail 6 discounted tickets at VOX
  • Multi-trip travel insurance cover up to US $500,000
  • Signature Concierge Service
  • Signature Dining
  • Purchase Protection
  • Extended Warranty
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Medical and Legal Referral
  • Balance Transfer

Reward Features

Choose from First Rewards, First Miles or First Cashback

First Rewards

  • Earn 1 First Reward point for every 1 AED spent locally
  • Earn double reward points for international spends (points awarded for minimum spend of AED 500 and maximum of AED 20,000)
  • No reward points on utility bill spends above AED 2,000
  • Earn double reward points for supermarket spends
  • No points for govt and fuel spends

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

  • Cashback categories have maximum caps
  • Some benefits require minimum spend of AED 1,500 p.m

MINIMUM SALARY

AED 5,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • No annual fee
  • Up to 4.25% fixed discount on advanced payment of GEMS fees
  • 10% Cashback with Shop Smart
  • Enjoy access to airport lounges across the Middle East
  • Enjoy special offers at restaurants, premium retail etc.

MINIMUM SALARY

AED 5,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

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

Reward Features

Earn FAB Reward Points

  • Earn 2.5 FAB Rewards Star for every AED 1 spent

Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday.

Things To Be Aware Of

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

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Roadside Assistance
  • No Annual Fee
  • Spend and win premier Manchester City experiences
  • 10% discount on products at Etihad stadium retail store
  • Access to airport lounges across the Middle East
  • 20% discount on city football schools

MINIMUM SALARY

AED 30,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Win a trip to the Etihad Stadium to watch Manchester City in action
  • Witness one of the final matches in the UK
  • Win a chance to meet the Manchester City Team in the UK
  • Win official kids coaching lessons
  • Redeem loyalty points against MCFC merchandise
  • Win Mall Vouchers
  • Shop Smart
  • Choice of loyalty rewards - Rewards, Miles or Cashback
  • Complimentary access to 1000+ lounges globally for the cardholder Plus a guest (via Loungekey)
  • Airport Dining Discount Program with DragonPass
  • 24-hour personalised premium concierge service
  • Discounts with Agoda
  • Visa Luxury Hotel Collection
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Valet parking up to 5 times a month in Dubai & Abu Dhabi
  • 10 tickets under Buy1 Get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Jumeirah Hotel Stay Offers
  • YQ Meet & Greet Service discounts
  • AVIS Car Rental offers
  • Medical & Travel assistance
  • Global Customer Assistance Services
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Screen reader support enabled
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Extended warranty
  • Balance Transfer

Reward Features

  • Earn up to 5 FAB Rewards for every AED 1 you spend
  • Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month
  • Win big with boys in blues has limited winners annually

MINIMUM SALARY

AED 5,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • No Annual fee
  • Win a trip to Etihad Stadium to watch Manchester City
  • Win a chance to meet the Manchester City Team in the UK
  • Access to airport lounges across the Middle East

MINIMUM SALARY

AED 5,000

RATE

3.5%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Exclusive Manchester City Football Club experiences
  • Win a trip to the Etihad Stadium to watch Manchester City in action
  • Win a chance to meet the Manchester City Team in the UK
  • Witness One of the Final Matches in the UK
  • Win official kids coaching lessons
  • Win Mall Vouchers
  • Shop Smart
  • Talk for free
  • Redeem loyalty points against MCFC merchandise
  • Select a loyalty program of your choice - rewards or cashback
  • Priceless Arabia Mastercard Offers
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • Balance Transfer

Reward Features

  • Earn up to 2.5 FAB Rewards for every AED 1 you spend
  • Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 8,000

RATE

3.75%

ANNUAL FEE

AED 0

  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Roadside Assistance
  • No Annual Fee
  • Choice of different loyalty rewards types
  • Free Cinema Tickets
  • Airport Transfers Facility

MINIMUM SALARY

AED 8,000

RATE

3.75%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.50 % / Min 105

Joining Offers

Spend and Win Cash Prizes !

Key Features

  • Free VIP Diamond Lounge Access at Abu Dhabi airport
  • 4 movie tickets per month for AED 15 with Reel Cinemas, Cine Royal and Oscar Cinema
  • 50% off cinema tickets at VOX Cinemas across UAE on Sundays (max of 10 free tickets per month)
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Free Airport Transfers
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Accident care plan
  • 4 free months of Anghami Plus
  • Emergency auto assistance
  • Balance Transfer
  • WARNING If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance.

Reward Features

  • Earn 1 Star for every AED 1 spent on domestic purchases. 
  • Earn 1.75 Stars for every AED 1 spent on international purchases.

First Reward Point:

  • Earn 1 First Reward Point per AED on domestic spends.
  • Earn 2 First Reward Points on International Spends and Bonus First Rewards points shall be awarded for a minimum cumulative spend of AED 500 and maximum spend of AED 20,000 during a given month.
  • Earn 2 First Reward points for supermarket transactions.

Things To Be Aware Of

  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 1,000

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Guaranteed AED 1000 travel voucher as joining offer
  • No international transaction fees
  • 1 complimentary night for every 3 paid nights on FAB portal
  • Redeem across 800+ airlines, 500,000+ hotels and car rental
  • Unlimited free access across over 1,000+ airport lounges

MINIMUM SALARY

AED 5,000

RATE

3.75%

ANNUAL FEE

AED 1,000

Non AED Transaction Fee

-

Cash Advance Fee

3.15 % / Min 105

Joining Offers


Get a guaranteed AED 1000 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.

Key Features

  • Endless choices and benefits across everything travel, including flights, hotels, car hire, and much more.
  • Get a guaranteed AED 1000 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.
  • Use your Travel Card abroad with no foreign transaction fees on your purchases (excluding currency conversion / scheme charges).
  • One complimentary night for every three paid nights when booked through the FAB Travel Portal.
  • Unlimited free access across over 1000+ airport lounges globally for the cardholder and two guests.
  • Enjoy up to 10% discount for First, Business (Club World), Premium Economy (World Traveller Plus) and Economy (World Traveller) classes when travelling from the UAE.
  • Enrol as Jumeirah One member and receive exclusive benefits with tier level upgrades for select cardholders.
  • Use your FAB Elite Infinite Travel Card on UBER internationally and get up to US $25 credit per ride (up to four rides).
  • Get up to 5 free airport transfers a year within the UAE no matter which airport you are using.
  • One free ride per trip within the same emirate
  • Two free rides per trip between emirates
  • As a Visa Signature cardholder , get 20% off on three Careem rides by Visa. For details visit ae.visamiddleeast.com
  • Visa cardholder benefits that make life more rewarding. As a Visa cardholder, get great travel and entertainment benefits with your Visa FAB credit card
  • Receive 30% off airport Meet and Greet services in over 450 destinations globally with your FAB Visa Travel Card.
  • Visa’s 24-hour concierge provides a personal service for all Visa signature cardholders. They take care of the details so you can take your seat and enjoy.
  • Discounts on green fees at a growing number of golf clubs across the globe.
  • Enjoy ‘buy one get one free’ offers through the "Visa Offers MENA" app.
  • Jumeirah Hotels: Up to 20% off at Jumeirah dining establishments
  • Meraas: Up to 20% off at Meraas dining, leisure and entertainment venues
  • As a Visa cardholder, get up to 35% discount on standard rates and 30% off international leisure rates.
  • Free travel accident insurance of up to USD 1m when you use your FAB Travel Card to purchase your travel tickets.
  • Free international medical and travel assistance when you use your FAB Travel Card to purchase your travel tickets.
  • Your credit card’s outstanding balance is taken care of with Credit Shield programme if you can’t meet your credit card payments due to unforeseen circumstances.
  • All purchases on your FAB credit card are automatically covered for up to 365 days from the purchase date.
  • Enjoy double the original manufacturer’s or retailer’s warranty for up to one year.
  • Benefit from automatic protection against unauthorised transactions or fraudulent use of your card.

Reward Features

Earn FAB Miles with each USD $1:

  • Get 1 FAB Mile for each USD $1 spent on retail purchases anywhere
  • Get 1.5 FAB Miles for each USD $1 spent on any travel purchase

Exchange 1 FAB Mile to 1 mile / point or more, of participating airline and hotel partners.

Participating partners include:

  • Aeroplan
  • Avianca LifeMiles

  • BIG Rewards
  • British Airways Executive Club
  • Club Vistara
  • Emirates Skywards
  • Flying Blue
  • Fortune Wings Club
  • IHG® Rewards
  • Jumeirah One
  • Turkish Airlines Miles&Smiles
  • Wyndham Rewards

MINIMUM SALARY

AED 50,000

RATE

2.75%

ANNUAL FEE

AED 1,575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Air Miles
  • Premium luxury lifestyle benefits
  • 200,000 bonus sign-up Airmiles
  • Excellent travel & travel insurance benefits
  • Best in class cinema offers

MINIMUM SALARY

AED 50,000

RATE

2.75%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

2.10%

Cash Advance Fee

2.75 % / Min 105

Joining Offers

Welcome Offer

Enjoy 200,000 sign-up Air Miles for the first year and 100,000 anniversary Air Miles from the 2nd year onwards.

Key Features

  • Up to 2.5 Air Miles per 1 AED spend on the card
  • Unlimited complimentary airport lounge access for primary & supplementary cardholders plus a guest each
  • Complimentary unlimited valet parking in select locations at Dubai & Abu Dhabi
  • Customers can avail 4 complimentary tickets each at VOX and Reel in a month through Buy1 and Get 1
  • Marriott Bonvoy Hotels complimentary nights
  • Expedia hotel bookings discounts
  • Entertainer app with 9,000+ Buy 1-Get 1 Free offers
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive international Concierge service
  • Two complimentary rounds at Els Club, Trump, Sadiyat Beach Golf club and Abu Dhabi Golf club
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Instant upgrade to DISCOVERY Black-level membership, a loyalty programme of Global Hotel Alliance
  • Exclusive discounts on Airport Meet & Greet services

Reward Features

Earning miles

Spend anytime, anywhere with your HSBC Black Credit Card & earn Air Miles:

  • 1.5 Air Miles per 1 AED of foreign currency spends.
  • 1.5 Air Miles per 1 AED spend on online purchases.
  • 2.5 Air Miles per 1 AED spend on airlines, hotels, car rentals, 1 Air Mile per 1 AED spend on all other transactions.
  • Redeem Airmiles online, from a wide range of travel and entertainment rewards, including flights, hotel stays, retail vouchers and much more.
  • Airmiles can be exchanged with Emirates Skywards Miles & Eithad Guest Miles.
  • Exchange ratio is 12 Air Miles for 1 Skywards Mile & 9 Air Miles for 1 Etihad Guest Mile.
  • Minimum 30,000 Air Miles required for exchange.

Things To Be Aware Of

  • You will require an HSBC Premier account to get this card
  • Bonus Airmiles have minimum spend criteria

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 600

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Double your Air Miles on your dining, entertainment and more
  • Joining offer of AED 300 cashback and no annual fee
  • HSBC ENTERTAINER soleil app
  • Access to luxury airport lounges
  • 24 hours concierge access

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 600

Non AED Transaction Fee

2.00%

Cash Advance Fee

3.00 % / AED 105

Joining Offers

Enjoy cashback when you apply for a Max Rewards Credit Card before 30 June 2022 and spend AED 5,000 in the first 60 days.  You'll also pay no annual fee for the first year, or from the second year onwards if you spend at least AED 12,000 a year.

Key Features

  • Save with HSBC Entertainer soleil: Get complimentary access to premium gyms, pools, beach clubs and more when you spend over AED 6,000 a month on your Max Rewards Credit Card
  • Experience luxury airport lounges: Get up to 12 complimentary visits a year to 1000+ airport lounges globally for you and supplementary cardholders with Loungekey
  • Save on airport transfers, food deliver with Careeem: Enjoy the convenience of 2 free airport transfers a year to or from a UAE domestic airport with Careem, up to AED 100 per ride.
  • Cinema offers: Vox: Book online and get 2 'Buy 1 Get 1 Free' tickets per month. Offer is valid for the following experiences: Standard 2D, Standard 2D VIP, 2D MAX, 2D Max VIP, 2D Max Atmos, 2D Premium Mercato and Nation Tower, 3D
  • Reel: Book online and get 2 'Buy 1 Get 1 Free' tickets per month. Offer is valid for Standard 2D, Standard Plus 2D, Standard 3D, Standard Plus 3D, and Reel Junior.
  • Special offers abroad: Get exclusive offers on shopping, dining, leisure and entertainment at 19,000 outlets across 160 countries and regions.
  • Multi trip travel insurance: Complimentary cover of up to USD 500,000 for you and your family on all trips up to 90 days.
  • 24hours Visa Concierge: Visa Concierge takes care of the details, from restaurant reservations and bespoke shopping to travel arrangements and more.
  • Dine well for less: Save up to 30% off at over 400 restaurants across the UAE with I Love Dining when you pay using your eligible credit card.
  • Airport Dining Offers: Save at over 200 airport restaurants worldwide with Dragonpass dine&fly
  • There'll be no annual fee of AED 600 (AED 630 inclusive of VAT) for the first year and it'll be waived from the second year onwards, subject to you meeting a minimum spend of AED 12,000.
  • Card protection: Get covered against unauthorised transactions or fraudulent use of your card with reimbursement up to USD 2,500 per occurrence. Up to USD 4,000 annual aggregate limit.

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

MINIMUM SALARY

AED 50,000

RATE

3.24%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Premium lifestyle benefits
  • Extensive travel discounts
  • Free HSBC Entertainer App

MINIMUM SALARY

AED 50,000

RATE

3.24%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.10%

Cash Advance Fee

2.75 % / Min AED105

Key Features

  • Premium benefits with no Annual Fees!
  • Free valet parking up to 4 times per month
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Customers can avail 4 complimentary tickets at VOX and 2 at Reel in a month through Buy1 and Get 1
  • 10% discount on Expedia hotel bookings
  • Earn 1 Air Mile for every AED 1 spent
  • 1-year free Expedia+ gold membership
  • 7% discount with Agoda at over 180,000 hotels worldwide
  • Discounted Airport lounge access with LoungeKey for primary & secondary card holders
  • Free global Wi-Fi through Boingo
  • Air Miles Rewards Programme
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Free HSBC Entertainer mobile app
  • Exclusive dining privileges
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features

Earn Airmiles on your HSBC Advance Credit Card

 

  • With HSBC Advance Credit Card & earn 1 Air Mile for every AED 1 spent(Domestic & International).
  • Redeem Air Miles from a range of Air Miles Rewards including airline tickets, hotel stays retail vouchers & much more.
  • Airmiles can be exchanged with Emirates Skywards Miles & Eithad Guest Miles.
  • Exchange ratio is 12 Air Miles for 1 Skywards Mile & 9 Air Miles for 1 Etihad Guest Mile.
  • Minimum 30,000 Air Miles required for exchange.

Things To Be Aware Of

  • Need to also open an HSBC Premier Account
  • Airmiles valid for 3 years only
  • Minimum spend criteria apply for free valet parking

MINIMUM SALARY

AED 25,000

RATE

3.45%

ANNUAL FEE

AED 650

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Extensive, premium luxury lifestyle benefits
  • Earn Salaam Carats on all spends
  • Premium travel benefits
  • 50% discount on movie tickets
  • ED 2500 cashback as joining bonus

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

  • AED2500 cashback as joining bonus
  • Earn Salaam Carats on all spends
  • Complimentary Golf at Arabian Ranches, Yas Link and Trump based on spend tiers. Discounts at 14 clubs in UAE and Muscat
  • Unlimited free access to 650+ airport lounges globally for primary, supplementary and a guest
  • Save up to 35% on the finest signature cuisines by the best hotels in the UAE
  • 10 Complimentary tickets on Sundays in a month at VOX Standard and 20% off at Roxy
  • 2 free valet parking at select locations in Dubai and Abu Dhabi
  • 6 complimentary airport limousine service uses per year in Dubai
  • Redeem Salaam points for travel tickets and vouchers
  • Complimentary access to Fitness First
  • Exclusive 30% discount on Luxury yacht charter
  • 6 complimentary Silver Marhaba Meet & Greet services in a year
  • Multi trip travel insurance
  • 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
  • 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)

Reward Features

Earn Salaam Carats

  • Earn 1 Salaam Point on local spends .
  • Earn 3 Salaam points on International spends.

Things To Be Aware Of

  • Supplementary card has annual fee of AED 630
  • Min monthly spends required for some benefits
APPLY NOW

Directly On Mashreq Bank Mobile App

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 209

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Earn rewards on ALL spends

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

  • Earn 'Voyager Rewards' on all spends & redeem against your travel purchases
  • Up to 9% discount on Expedia Hotel Bookings
  • Up to 2 buy-one-get-one free on tickets & popcorn at VOX Cinemas
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 50% off on dining, shopping, travel and entertainment experiences from over 450 partners
  • 10 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • 4 free months of Anghami Plus subscription
  • Extended warranty & purchase protection on purchases made on the card

Reward Features

Earn Voyager Rewards:

  • Earn 2.5 Voyager Rewards for every AED spent internationally
  • Earn 1.5 Voyager Rewards for every AED spent locally
  • Earn 1 Voyager Reward for every AED spent on utility bills, school fees, e-govt spends and fuel purchases
  • Redeem Voyager points against travel purchase transactions (flights/hotel bookings, travel packages, airport transfers, etc.)

Things To Be Aware Of

  • Interest rate varies based on % of total bal paid previously

MINIMUM SALARY

AED 16,000

RATE

3.25%

ANNUAL FEE

AED 524

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Joining offer of up to 75,000 Voyager reward points
  • Earn rewards points on ALL spends
  • Airport lounge access for primary & secondary cardholders

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

  • Spend AED 15,000 on the Voyager Signature Card in the first 60 days and get up to 75,000 Voyager Rewards credit. (worth AED 750).
  • Get 30,000 Voyager Rewards when you pay the annual fee on the due date.
  • Get 15,000 Bonus Spend Rewards when you spend AED 15,000 within the first 60 days.
  • Get balance 30,000 Regular Spend Rewards on transactions made during the billing cycle.

Key Features

  • Earn 'Voyager Rewards' on all spends & redeem against your travel purchases
  • Spend AED 15,000 in the first 60 days & get up to 75,000 Voyager Rewards credit (worth AED 750)
  • 12 complimentary visits each to 1000+ airport lounges globally for primary & supplementary cardholders
  • 12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Travel insurance cover up to $500,000 covering the cardholder & family
  • 24-hour personalised concierge service
  • Fraudulent card misuse protection cover ($2,500 per occurrence, $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • 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 up to four months free for the first year
  • 50% off on dining, shopping, travel and entertainment experiences from over 450 partners
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

Earn Voyager Rewards:

  • Earn 3 Voyager Rewards for every AED spent internationally
  • Earn 2 Voyager Rewards for every AED spent locally
  • Earn 1 Voyager Reward for every AED spent on utility bills, school fees, e-govt spends and fuel purchases

Redeem Voyager points against travel purchase transactions (flights/hotel bookings, travel packages, airport transfers, etc.)

Things To Be Aware Of

  • Interest rate varies based on % of total bal paid previously

MINIMUM SALARY

AED 20,000

RATE

2.45%

ANNUAL FEE

AED 1,499

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Life Insurance
  • Contactless Tech
  • Air Miles
  • Get up to 160,000 Bonus Skywards Miles
  • Emirates Skywards Silver Tier Status
  • Access to 900+ airport lounges across the world
  • Fast Track to Gold Tier status
  • 1-night free stay at Rixos JBR

MINIMUM SALARY

AED 20,000

RATE

2.45%

ANNUAL FEE

AED 1,499

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.00 % / Min AED99

Joining Offers

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

Key Features

  • Simplified Skywards Miles earn logic - based on total spend tiers
  • Opportunity to earn 40,000 Skywards Miles every month
  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Rakfoodie privileges
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • Complimentary Emirates Skywards Silver tier membership
  • Complimentary nights at select Marriott Bonvoy properties worldwide Special offers including free nights at Oberoi Hotels
  • Complimentary access to 900+ lounges globally for the cardholder PLUS a guest
  • Complimentary airport transfers within the UAE
  • Complimentary Amazon Prime membership for a period of one year
  • 50% discount on VOX Cinemas at 4 free tickets per month per card
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Free delivery of fuel at your door step by CAFU - 4 times in a month
  • Discovery Black membership by Global Hotel Alliance with discounts and other premium benefits
  • 15% discount on "Buy and Gift Miles"
  • Fastrack to Gold tier by opening a RAKBANK Emirates Skywards Saving Account
  • Complimentary access two times in a month at some of the finest golf courses in Dubai
  • Travel insurance cover upto $500,000 covering the cardholder & family
  • Car rental insurance cover up to USD 50,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)
  • Applicants for RAKBANK Emirates Skywards World Elite Mastercard Credit Card should be citizens or residents of the UAE
  • Minimum monthly salary requirement for salaried applicants is AED 25,000
  • Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Credit Card is AED 1,499. Limited Period Offer - Annual fees waived for first year until 28th February 2021.
  • Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Supplementary Credit Card is AED 999 with Silver tier membership & AED 200 without Silver tier membership

Reward Features

Earn Emirates Skywards Miles on all spends

The RAKBANK Emirates Skywards World Elite Mastercard Credit Card lets you earn Skywards Miles on all types of spends. What’s more, these Skywards Miles are awarded based on total monthly spends in Dirhams to keep it simple for you.

Simplified Skywards Miles earn logic - based on spend tiers:

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

Skywards Miles award will be reduced to 50% if spend in special categories (such as Charities, Government Services, Bill Payments, Schools, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Supermarkets, Health & Beauty, Club Membership, Motion Pictures & Theatres, Computer Services, Automobiles & Vehicles) exceeds 50% of total spends for the month.

Things To Be Aware Of

  • Free for the first year - Annual fee of AED 1499 on renewal

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 10,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.20%

Cash Advance Fee

3.00 % / Min 99

Key Features

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

Reward Features

Earn RAKrewards

Monthly Spend Tier & RAKrewards earned per 1 AED:

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

Quarterly Spend Tier & bonus RAKrewards rate:

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

Cinema Reward Offerings

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

 

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

Things To Be Aware Of

  • Some categories will earn 0.35 RAKrewards per AED 1 spent

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1,575

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Premium lifestyle benefits
  • Earn Reward points on all spends
  • AED 1000 Cashback as joining bonus
  • Loaded with travel benefits!

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 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

  • Earn 360° Reward Points on all spends
  • Exclusive unlimited Fitness First access
  • Complimentary round of golf through Golflans offered by SCB. Discounts at 34 clubs in the UAE and Muscat
  • Unlimited complimentary access to 1000+ airport lounges worldwide including a guest
  • Avail upto 14 tickets at buy1 get 1 at VOX
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Buy 1 Get 1 Free at Costa Coffee
  • The Good Life privileges offers
  • 24/7 Concierge service
  • Extended warranty
  • 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

Reward Features

Earn 360° Reward Points on all spends

  • Earn 360° Reward Points on all spends
  • Earn 2% of your Rewards Points balance as cashback with any airline bookings
  • Earn 2 360° Reward Point for every US $1 on International Spend
  • Earn 1 360° Reward Points for every US $1 Domestic Spend
  • 360° Rewards Points, can be redeemed for exclusive merchandise, travel and much more
  • Transfer Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as hotel loyalty programmes.
  • (USD 1 is defined at AED 3.673)

Things To Be Aware Of

  • Reward points expiry 3 years from date of earning

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Air Miles
  • Roadside Assistance
  • Earn UNBmiles rewards on all spends
  • Cinema offers at any cinema, anytime
  • No annual fee

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Joining Bonus of up to AED 500 worth of UNBmiles

Key Features

  • Joining bonus of up to AED 500 worth of UNBmiles
  • Up to 3 UNBmiles for every AED of retail spend
  • Redeem UNBmiles for booking airline tickets & hotels directly, getting wide variety of gift vouchers/cards and much more
  • Unlimited free access to 10+ airport lounges across GCC
  • Upto AED 125 as value back on movie tickets with a 50% value back
  • 20% discounts on Careem rides
  • Free annual auto registration or renewal
  • Free emergency road side assistance anytime anywhere in UAE with AAA
  • 0% interest for 3 months on all travel purchases- no processing fee
  • 0% interest for 6 months on balance transfer
  • 0% interest instalment plan for up to 6 months on spend at 30+ partner outlets. No processing fees
  • Hundreds of buy 1 get 1 offers across hotels, dining, spas, leisure and entertainment in Middle East & Africa
  • Exciting discounts of up to 40% renowned shopping, leisure & entertainment partners

Reward Features

Earn UNBmiles on all spends

  • 1.5 UNBmiles for every AED 1 spent locally.
  • 3 UNBmiles for every AED 1 spent internationally.
  • Redeem UNBmiles for booking air tickets and hotels, gift vouchers and much more.
  • Minimum spend of AED 500 per month required to earn UNBmiles.

Things To Be Aware Of

  • Min spend of AED 1500 p.m for cinema offers
  • Specific spend criteria required for Joining bonus
  • Min spend of AED 500 to earn UNBmiles

MINIMUM SALARY

AED 20,000

RATE

3.19%

ANNUAL FEE

AED 630

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Air Miles
  • Roadside Assistance
  • Premium lifestyle and travel benefits
  • Cinema offers at any cinema, anytime
  • Unlimited Marhaba services

MINIMUM SALARY

AED 20,000

RATE

3.19%

ANNUAL FEE

AED 630

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Welcome Bonus of AED 3,000 worth of UNBmiles


Key Features

  • Welcome bonus of AED 3,000 worth of UNBmiles
  • Up to 10 UNBmiles for every AED of retail spend,
  • Redeem UNBmiles for booking airline tickets & hotels directly, getting wide variety of gift vouchers/cards and much more
  • Unlimited complimentary access at 750+ airport lounges globally for primary and supplementary cardholders
  • Unlimited complimentary Marhaba and Golden Class airport services
  • Complimentary hotel nights with Starwood Hotels and Resorts
  • 10% discount with Cleartrip on any international roundtrip airfare
  • 0% interest for 3 months on all travel purchases
  • Complimentary multi-trip travel insurance including medical benefits
  • Upto AED 125 as value back on movie tickets with a 50% value back
  • 0% interest for 6 months on balance transfer
  • Free auto registration or renewal service once a year & free Emergency roadside assistance anytime, anywhere in UAE
  • Hundreds of buy 1 get 1 offers across hotels , dining, spas, leisure and entertainment in Middle East & Africa
  • Exciting shopping discounts of up to 40% renowned shopping, leisure & entertainment partners
  • 0% interest instalment plan for up to 6 months on spend at 30+ partner outlets

Reward Features

Earn UNBmiles on all spends

  • 2 UNBmiles for every AED 1 spent locally, no caps.
  • 4 UNBmiles for every AED 1 spent internationally, no caps.
  • 10 UNBmiles for every AED 1 spent on dining during weekends, max cap of 150 UNBmiles per month.

Redeem UNBmiles for booking air tickets and hotels, gift vouchers and much more.
Minimum spend of AED 500 per month required to earn UNBmiles.

Things To Be Aware Of

  • Min spend of AED 1500 p.m for cinema offers
  • Min spend of AED 500 to earn UNBmiles

MINIMUM SALARY

AED 40,000

RATE

2.79%

ANNUAL FEE

AED 0

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Welcome bonus of 500,000 UAB Reward points
  • Premium travel & lifestyle benefits
  • Earn rewards points on all spends

MINIMUM SALARY

AED 40,000

RATE

2.79%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.00%

Cash Advance Fee

3.00 % / Min 100

Joining Offers

Welcome Bonus

  • 500,000 UAB Reward Points
  • (AED 1500 to be paid within 30 days of card issuance)

Key Features

  • Earn up to 3 UAB Rewards on every US $1 spent
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 10 B1G1 tickets at VOX on Sundays and 20% off at Roxy
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Travel Insurance (Personal accident benefit up to $1 Million)
  • Dragon Pass ‘Dine & Fly’ airport dining program
  • Discounts on Hotels.com
  • 8% discount on hotel bookings made at Hotels.com
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Great discounts on hotel & vacation rentals with Agoda
  • Luxury Hotel collection
  • YQ Meet & Assist
  • International Premium Concierge service
  • 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
  • Extended Warranty
  • Purchase protection

Reward Features

Earn UAB Rewards Points:

  • 2 points for every 1 USD spent domestically
  • 3 points for every 1 USD spent internationally
  • Redeem points for flight tickets & hotels, car rentals, electronic and lifestyle products.

Things To Be Aware Of

  • Annual fee from 2nd year is AED 1,500