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MINIMUM SALARY
AED 40,000
RATE
2.75%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 40,000
RATE
2.75%
ANNUAL FEE
AED 750
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
10,000 Sign-up bonus reward points!
Key Features
Reward Features
Al Masraf Rewards:
A program that delivers amazing value by rewarding your spends with points which can be redeemed across multiple categories like travel, lifestyle, leisure or simply redeem for cash back.
Earn Al Masraf Rewards on all spends:
Things To Be Aware Of
MINIMUM SALARY
AED 20,000
RATE
2.90%
ANNUAL FEE
AED 500
MINIMUM SALARY
AED 20,000
RATE
2.90%
ANNUAL FEE
AED 500
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
5,000 Sign-up bonus reward points!
Key Features
Reward Features
Al Masraf Rewards:
A program that delivers amazing value by rewarding your spends with points which can be redeemed across multiple categories like travel, lifestyle, leisure or simply redeem for cash back.
Earn Al Masraf Rewards on all spends:
Things To Be Aware Of
MINIMUM SALARY
AED 20,000
RATE
3.45%
ANNUAL FEE
AED 787
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
Reward Features
Earn Reward Points
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.45%
ANNUAL FEE
AED 787
MINIMUM SALARY
AED 30,000
RATE
3.45%
ANNUAL FEE
AED 787
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
40,000 CBD Reward Points.
Welcome Bonus is given provided the cardholder spends 5000 AED within 30 days from card issuance date.
Key Features
Reward Features
Earn Reward Points
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
2.99%
ANNUAL FEE
AED 525
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
Reward Features
Earn Miles Up rewards on all spends:
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 SALARY
AED 35,000
RATE
3.25%
ANNUAL FEE
AED 2,625
MINIMUM SALARY
AED 35,000
RATE
3.25%
ANNUAL FEE
AED 2,625
Non AED Transaction Fee
2.26%
Cash Advance Fee
- / -
Joining Offers
Key Features
Reward Features
Earn Skyward Miles per 1 USD of spend:
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 400
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 400
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Plus Points rewards on all domestic and international spends:
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 500
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 500
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Introductory Offer:
Key Features
Reward Features
Earn dnata rewards
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
3.09%
ANNUAL FEE
AED 999
MINIMUM SALARY
AED 25,000
RATE
3.09%
ANNUAL FEE
AED 999
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Key Features
Reward Features
Earn dnata rewards
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.09%
ANNUAL FEE
AED 1,500
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
Key Features
Reward Features
Earn Skyward Miles
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 700
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:
Key Features
Reward Features
Earn Skyward Miles
Per 1 USD of spend:
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
3.09%
ANNUAL FEE
AED 1,500
MINIMUM SALARY
AED 25,000
RATE
3.09%
ANNUAL FEE
AED 1,500
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Introductory offer - Up to AED 2,500 Travel Vouchers
Key Features
Reward Features
Earn Starpoints Rewards:
Redeem Starpoints for a host of rewards, including Free Night Awards, SPG Flights and SPG Moments.
Earn up to 50% more Starpoints every month (max 4,000) for all your retail purchases by enrolling in Express Points Programme (monthly fee of AED 300).
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.09%
ANNUAL FEE
AED 1,500
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.
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 50,000
RATE
2.99%
ANNUAL FEE
AED 1,500
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
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 0
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).
Key Features
Reward Features
The all-new Rewards on the FAB Mobile app
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
2.08%
ANNUAL FEE
AED 0
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
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
MINIMUM SALARY
AED 40,000
RATE
1.66%
ANNUAL FEE
AED 0
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
Reward Features
Exchange your Al-Futtaim FAB Rewards for an unmatched range of rewards
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 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.
Get exclusive offers from Al-Futtaim brands.
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.75%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.75%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
You can benefit from the offers above after a minimum spend of AED 2,500 on your du Platinum Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 0
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
Reward Features
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.
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.5%
ANNUAL FEE
AED 2,500
MINIMUM SALARY
AED 30,000
RATE
3.5%
ANNUAL FEE
AED 2,500
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Get a warm welcome with 55,000 Etihad Guest Miles bonus.
Key Features
Reward Features
EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND
EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPEND
All purchase (domestic or international): 2.5 Miles earned per AED 10
MILES ACCELERATOR PROGRAM
Earn 7.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.50%
ANNUAL FEE
AED 500
MINIMUM SALARY
AED 8,000
RATE
3.50%
ANNUAL FEE
AED 500
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Primary Card- Earn 10,000 Etihad Guest welcome bonus Miles.
Supplementary Card- Earn 5000 Etihad Guest welcome bonus Miles.
Double Etihad Guest Miles when you use your card to buy Etihad Airways or Etihad Partner Airlines flight tickets.
Key Features
Reward Features
EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND
MILES ACCELERATOR PROGRAM
Earn 5.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.5%
ANNUAL FEE
AED 1,500
MINIMUM SALARY
AED 15,000
RATE
3.5%
ANNUAL FEE
AED 1,500
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Get a warm welcome with a 35,000 Etihad Guest Miles bonus.
Key Features
Reward Features
EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND
EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPENDS
All purchase transactions (domestic or international): 2.5 Miles earned per AED 10
MILES ACCELERATOR PROGRAM
Earn 6.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
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
Reward Features
Earn FAB Reward Points
Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday.
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.5%
ANNUAL FEE
AED 0
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
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
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
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.75%
ANNUAL FEE
AED 0
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
Reward Features
First Reward Point:
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 1,000
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
Reward Features
Earn FAB Miles with each USD $1:
Exchange 1 FAB Mile to 1 mile / point or more, of participating airline and hotel partners.
Participating partners include:
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
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
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 50,000
RATE
2.75%
ANNUAL FEE
AED 1,575
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
Reward Features
Earning miles
Spend anytime, anywhere with your HSBC Black Credit Card & earn Air Miles:
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 787
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 787
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / Min 210
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
3.45%
ANNUAL FEE
AED 650
MINIMUM SALARY
AED 25,000
RATE
3.45%
ANNUAL FEE
AED 650
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / Min 210
Joining Offers
Apply & get AED 2000 cashback will be credited subject to spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.
Key Features
Reward Features
Earn Salaam Carats
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 400
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 400
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Joining Bonus -15,000 AirRewards Points Equivalent to a return ticket: A Joining Bonus of 15,000 AirRewards Points will be credited upon payment of Joining Fee and a minimum retail spend of AED 5,000* in first 3 months.
Key Features
Reward Features
AirRewards - Air Arabia's loyalty program
Things To Be Aware Of
MINIMUM SALARY
AED 20,000
RATE
2.45%
ANNUAL FEE
AED 1,499
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
Key Features
Reward Features
Earn Emirates Skywards Miles on all spends
The RAKBANK Emirates Skywards World Elite Mastercard Credit Card lets you earn Skywards Miles on all types of spends. What’s more, these Skywards Miles are awarded based on total monthly spends in Dirhams to keep it simple for you.
Simplified Skywards Miles earn logic - based on spend tiers:
Skywards Miles award will be reduced to 50% if spend in special categories (such as Charities, Government Services, Bill Payments, Schools, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Supermarkets, Health & Beauty, Club Membership, Motion Pictures & Theatres, Computer Services, Automobiles & Vehicles) exceeds 50% of total spends for the month.
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn RAKrewards
Monthly Spend Tier & RAKrewards earned per 1 AED:
Quarterly Spend Tier & bonus RAKrewards rate:
Cinema Reward Offerings
Overall monthly spend On cinema spend RAKrewards
AED 5000 and above AED 1 50
Maximum RAKrewards monthly cap on cinema spend is 10,000.
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.45%
ANNUAL FEE
AED 1,575
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
Key Features
Reward Features
Earn 360° Reward Points on all spends
Things To Be Aware Of
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
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