Best Credit Card In UAE
+971

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Premium card with no annual fee
  • Extensive premium lifestyle benefits
  • Earn cashback on all spends

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / Min 100

Key Features

  • Premium card with annual fees waived
  • Complimentary U by Emaar Loyalty program membership
  • Complimentary Global Internet Calling
  • Earn 1.5% cashback on local spends & 2% on all international spends
  • Unlimited access to over 900 airport lounges across the world
  • 6 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • 2 complimentary Marhaba meet & greet services per year
  • Complimentary nights at SPG Hotels and Resorts
  • 4 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights
  • Free round of golf at Arabian Ranches Dubai
  • Exclusive Dubai Opera offers
  • MyUS.com & Reebonz offers and discounts
  • Luxury Service Apartment offers
  • Special Hertz and Avis car rental offers and discounts
  • Travel inconvenience and travel medical insurance with cover of up to US $500,000

Reward Features

Earn Cashback

  • Earn 1.5% cashback on local spends
  • Earn 2% cashback on international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require min spends criteria to be met

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Welcome offer: Up to 40,000 bonus Skywards Miles
  • Best-in-class Skywards Miles earning - earn and redeem miles
  • Complimentary, unlimited worldwide lounge access
  • Complimentary access to top golfing courses across the UAE
  • Valet Parking at selected locations in Abu Dhabi

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

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

  • 15,000 Skywards Miles on payment of the joining fee( AED 735
  • 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 1000 airport lounges in 300 cities
  • 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.
  • Enjoy 4 complimentary valet parking services per month of 1 hour each at select popular shopping malls by simply presenting your Emirates NBD Credit Card(s) at the valet service.
  • Pick up & delivery of car for servicing & registration once a 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

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 12,000

RATE

3.39%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • No annual membership fee
  • Metal card with cutting-edge design
  • Complimentary airport lounge access and valet parking
  • AED 500 Noon Voucher ( T&Cs apply)

MINIMUM SALARY

AED 12,000

RATE

3.39%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.99%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

Key Features

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

Reward Features

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

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

Things To Be Aware Of

  • This card is exclusively for UAE nationals

MINIMUM SALARY

AED 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 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
  • AED 500 Noon Voucher ( T&Cs apply)

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

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last 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

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 15,000

RATE

3.49%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Extensive premium lifestyle & travel benefits
  • Up to 3.75 EI SmartMiles per AED 1 spend
  • Complimentary unlimited access to 1000 lounges worldwide
  • 2 complimentary valet parking service per month

MINIMUM SALARY

AED 15,000

RATE

3.49%

ANNUAL FEE

AED 735

Non AED Transaction Fee

3.49%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

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

Reward Features

Earn EI SmartMiles

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

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

 

You can redeem your EI SmartMiles

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

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

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

10,000 EI SmartMiles= 2,500 Etihad Miles

20,000 EI SmartMiles = 4,000 InterMiles

10,000 EI SmartMiles= 1,750 Avios

 

Miles will be transferred within 5 working days

Things To Be Aware Of

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

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4200

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • AED 500 noon voucher (T&C's apply)
  • Earn upto 100000 bonus miles
  • Fast-Track update to Emirates Skywards Gold tier Status
  • Complimentary Airport Transfers and Lounge access
  • Complimentary Golf Rounds and Valet Parking services

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 4,200

Non AED Transaction Fee

1.84%

Cash Advance Fee

3.15 % / AED 103.95

Joining Offers

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

Key Features

  • Earn upto 100,000 bonus miles on joining*
  • As an Emirates Islamic Skywards Black Credit Cardholder, you can fast track to Skywards Gold Tier status with a complimentary Emirates Skywards Silver Tier Membership for primary and one supplementary card holder
  • You need to log-in to your Emirates Skywards account and follow the Buy Miles process or the Gift Miles process.
  • Take advantage of up to 4 complimentary airport transfers per calendar year to or from Dubai airport.
  • Enjoy unlimited complimentary access to over 1000 airport lounges
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE.
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy two rounds of complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Black Credit Card
  • With your Emirates Islamic Black Credit Card, you can avail Cash on Call facility of up to 80% of your available credit limit.
  • Get access to all exclusive Visa Infinite benefits.
  • *T&Cs Apply

Reward Features

Earn up to 3.5 Miles per USD 1 equivalent retail spends as per below rates

- 3.5 Skywards Miles at Emirates Airlines
- 2 skywards miles on international spend
- 1.5 skywards miles on domestic spend

For more details about Skywards Miles earning rates please click here.

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 1049

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Exclusive Concierge Desk and privileges
  • 15% rewards for spends at dnata
  • 10% rewards for Duty Free Shopping
  • Complimentary airport lounge access
  • Complimentary access to top golf courses across the UAE

MINIMUM SALARY

AED 25,000

RATE

3.25%

ANNUAL FEE

AED 1,049

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

  • Up to AED 2,500 Travel Vouchers
  • AED 1,000 travel voucher on payment of joining fee
  • AED 1,500 travel voucher on retail spends of AED 25,000 in the first 3 billing statements

Key Features

  • Introductory offer - Up to AED 2,500 Travel Vouchers
  • Earn dnata Points for every spend
  • 15% Rewards for Spends at dnata
  • Earn accelerated rewards at partner stores
  • Unlimited complimentary access to over 850 premium lounges globally
  • Dedicated concierge service
  • Up to 4 free 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
  • Two complimentary rounds at Track Meydan, Trump, Ranches, Sharjah Shooting club and Yas links
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Enjoy exclusive benefits with Avis car rental services
  • The Bicester Village Shopping Collection Benefits
  • Hertz Gold Plus Rewards® Five Star Membership
  • Starwood Hotels & Resorts Complimentary Hotel Nights
  • Luxury Serviced Apartment Discounts
  • Mastercard Priceless Cities offers
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Complimentary Fast Track Travel Visa Service
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • MasterCard Buy 1 get 1 offers
  • MYUS Premium Shipping Discounts
  • Travel Inconvenience & Cancellation Insurance
  • Comprehensive Travel Insurance Travel Medical cover up to $500,000
  • Complimentary travel insurance confirmation letter (for e.g. for Schengen Visa)

Reward Features


Earn dnata rewards

  • Earn dnata Points for every spend on your dnata World Mastercard, with accelerated rewards at partner stores across travel, dining, leisure and entertainment
  • Earn 15% dnata Points Costa, City Sightseeing, Giraffe, Imagine Cruising
  • Earn 15% dnata Points on dnata Travel
  • Earn 10% dnata Points at Emirates Holidays, MMI
  • Earn 10% dnata Points at Al Hamra Cellar, Arabian Adventures, Emirates Holidays, Le Clos
  • Earn 10% dnata Points on Duty Free Shopping
  • Earn 10% dnata Points on Duty Free Shopping
  • Earn 2% dnata Points on all retail spends

Things To Be Aware Of

  • Specific spend categories earn lower rewards
  • Max spend cap for spends on participating partners

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Car Registration
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Air Miles
  • Earn rewards on all domestic & international spends
  • Up to 30% discount when you book with Cleartrip
  • Discounts on flights and holiday packages
  • Unlimited complimentary lounge access to over 25 airports

MINIMUM SALARY

AED 12,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Key Features

  • 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
  • Dedicated concierge service
  • Pick up & delivery of car for servicing & registration once a year
  • Free Local courier services within UAE up to 6 times per calendar year
  • Up to 4 complimentary valet parking services at select locations in Abu Dhabi
  • Exclusive NBD Golf discounts program. 40% discount at over 100 golfcourses worldwide
  • Salik auto top-up feature
  • Bon Appetit - exclusive dining discounts
  • Discounts on air tickets and holiday packages
  • Unlimited complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
  • Up to 30% discount on travel booking made via Cleartrip
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Enjoy exclusive benefits with Avis car rental services
  • MasterCard Buy 1 get 1 offers
  • Mastercard Priceless Cities offers
  • 0% Easy Instalment Plan
  • MYUS Premium Shipping Discounts
  • Purchase protection of up to USD 5,000 per year

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 1.5 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.

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • 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
  • Excellent discounts & offers at Emaar establishments
  • "Platinum" U By Emaar status
  • Premium travel and lifestyle benefits
  • Buy 1 get 1 free on movie tickets at Reel Cinemas
  • Complimentary airport lounge access to over 1000 lounges

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Welcome offer: Up to 25,000 UPoints. Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!  

Key Features

  • 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.
  • 7.5% on all Emaar spends
  • 1.5% on all other spends
  • 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

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 30,000

RATE

1.99%

ANNUAL FEE

AED 1575

  • 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
  • Complimentary airport lounge access to over 1000 lounges
  • Golf club privileges
  • Exclusive Concierge Desk Privileges
  • Valet Parking at selected locations in Abu Dhabi

MINIMUM SALARY

AED 30,000

RATE

1.99%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

3.25%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!

Key Features

  • 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 spend

Things To Be Aware Of

  • Specific spend categories earn lower rewards

MINIMUM SALARY

AED 50,000

RATE

3.75%

ANNUAL FEE

AED 2000

  • 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 bank fee
  • 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
  • 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 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 30,000

RATE

3.45%

ANNUAL FEE

AED 1050

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

MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1,050

Non AED Transaction Fee

2.10%

Cash Advance Fee

3.15 % / or AED 105

Joining Offers

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

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

Key Features

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

Reward Features

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

on HSBC site

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Air Miles
  • No annual fee
  • Earn cashback on all spends
  • Lifestyle benefits (valet parking, airport drops etc.)

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Annual Fees waived
  • Complimentary Global Internet Calling
  • Complimentary U by Emaar loyalty program membership
  • Earn 1.25% cashback on local spends & 2% on international spends
  • Unlimited access to over 25 Regional and International Airport lounges
  • Complimentary workouts at select gyms in Dubai & Abu Dhabi
  • Free round of golf at Arabian Ranches Dubai
  • 2 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • 2 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights

Reward Features

Earn Cashback

  • Earn 1.25% cashback on local spends
  • Earn 2% cashback on international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require minimum spend criteria to be met

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • No annual fee
  • Earn cashback on all spends

MINIMUM SALARY

AED 8,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Annual Fees waived
  • Complimentary Global Internet Calling
  • Earn 1% cashback on local spends & 2% on international spends
  • Unlimited access to selected airport lounges across Egypt, Jordan, Kuwait, Saudi Arabia & UAE
  • 1 free valet parking service per month at 30+ locations in Abu Dhabi and Dubai
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights

Reward Features

Earn Cashback

  • Earn 1% cashback on local spends
  • Earn 2% cashback on international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • Premium card with no annual fee
  • Earn cashback on all spends
  • Premium lifestyle benefits

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.50%

Cash Advance Fee

3.00 % / min 100

Key Features

  • Premium card with annual fees waived
  • Complimentary U by Emaar Loyalty program membership
  • Complimentary Global Internet Calling
  • Earn 1.5% cashback on local spends & 2% on all international spends
  • Unlimited access to over 900 airport lounges across the world
  • 4 complimentary airport pick-up or drop-off services within Abu Dhabi, Dubai or Sharjah per year
  • 2 complimentary Marhaba meet & greet services per year
  • Complimentary nights at SPG Hotels and Resorts
  • 3 free valet parking services per month at 30+ locations in Abu Dhabi and Dubai
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights
  • Free round of golf at Arabian Ranches Dubai
  • Exclusive Dubai Opera offers
  • MyUS.com & Reebonz offers and discounts
  • Luxury Service Apartment offers
  • Special Hertz and Avis car rental offers and discounts
  • Travel inconvenience and travel medical insurance with cover of up to US $500,000

Reward Features

Earn Cashback

  • Earn 1.5% cashback on your local spends
  • Earn 2% cashback on your international spends

Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.

Things To Be Aware Of

  • Some benefits require minimum spend criteria to be met

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 15,000

RATE

3.49%

ANNUAL FEE

AED 1500

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Up to 3.5 Etihad Guest Miles per USD spent
  • Fast-Track update to Etihad Guest Gold Tier Status
  • 50% Etihad Guest Miles Back
  • AED 500 Noon voucher ( T&Cs apply)
  • Complimentary Airport Transfers & lounge access

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

Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

Key Features

  • AMF: AED 1,575 for 25,000 Etihad Guest Miles and AED 2,625 for 55,000 Etihad Guest Miles
  • 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 50,000

RATE

AED 1000 p.m.

ANNUAL FEE

AED 0

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

MINIMUM SALARY

AED 50,000

RATE

AED 1000 p.m.

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
  • International concierge services
  • Visa fine dining offers
  • Emergency Merchant Authorization service
  • Exclusive Visa Infinite Privileges
  • Visa Luxury Hotel Collection offers
  • Free Multi-Trip Travel Insurance with cover up to US $1,000,000
  • Complimentary Concierge Services
  • Purchase protection for 60 days
  • Extended Warranty that automatically doubles the original warranty
  • Complimentary Roadside assistance services
  • Balance transfer facility

Reward Features

Earn Wala'a Dirhams

Earn 0.5% on all retail spends.  Redeem Wala'a Dirhams for flight tickets, bill payments and more.

Things To Be Aware Of

  • Only for DIB Wajaha customers
  • Has a monthly subscription fee of AED1000 (no interest rate)

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

3.09%

ANNUAL FEE

AED 299

  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Roadside Assistance
  • Earn cashback on all spends
  • Free roadside assistance, valet parking

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 299

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Key Features

  • 1.25% cashback on international spend and 0.8% on domestic spend
  • Access to over 850 VIP Airport Lounges worldwide
  • Merchant offers and discounts​
  • MasterCard Experience & offers and hotel discounts
  • Discounts on Travel and holiday packages
  • Valet parking at select locations in the UAE
  • Meet and Greet service across 450 airports worldwide
  • Withdraw 100% of your finance limit as cash
  • ADIB Travel Desk 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
  • 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)

Reward Features

1.25% cashback on international spend and 0.8% on domestic spend

Things To Be Aware Of

  • 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 15,000

RATE

3.33%

ANNUAL FEE

AED 1500

  • Golf offers
  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Bonus Skywards Miles
  • Fast track to Emirates Skywards Gold tier membership
  • Complimentary Emirates Home check-in services

MINIMUM SALARY

AED 15,000

RATE

3.33%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / AED 99

Joining Offers

Welcome Offer:

Upto 60,000 bonus Skywards Miles

  • 40,000 welcome bonus Miles
  • 20,000 bonus Skywards Miles (subject to meeting spend thresholds)

Key Features

  • Upto 60,000 bonus Skywards Miles
  • Fast track to Emirates Skywards Gold tier membership
  • Two complimentary Emirates Home check-in services within Dubai
  • Unlimited Airport lounge access globally for primary cardholder via LoungeKey
  • Complimentary airport transfers
  • Exciting travel and lifestyle benefits
  • Valet Parking
  • Complimentary golf for Cardholder
  • 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
  • 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)

Reward Features

Up to 60,000 bonus Skywards Miles

  • 40,000 welcome bonus Miles
  • 20,000 bonus Skywards Miles (subject to meeting spend thresholds)*
  • Minimum retail spend of AED 50,000 within 6 months from the card issuance date, when you apply for your Emirates Skywards card from 1st April 2020 till 30th April 2020.

Things To Be Aware Of

  • Minimum retail spend of AED 50,000 within 6 months
  • 5th supplementary card onwards annual fee is AED 1500

MINIMUM SALARY

AED 25,000

RATE

3.33%

ANNUAL FEE

AED 4500

  • Golf offers
  • Valet Parking
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Bonus Skywards Miles
  • Fast track to Emirates Skywards Gold tier membership
  • 1 year complimentary Amazon Prime membership
  • Complimentary Emirates Home check-in services

MINIMUM SALARY

AED 25,000

RATE

3.33%

ANNUAL FEE

AED 4,500

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / AED 99

Joining Offers

Welcome Offer: 

Upto 120,000 bonus Skywards Miles

  • 50,000 welcome bonus Miles
  • 70,000 bonus Skywards Miles (subject to meeting spend thresholds)

Key Features

  • Upto 120,000 bonus Skywards Miles
  • 1 year complimentary Amazon Prime membership
  • Fast track to Emirates Skywards Gold tier membership.
  • Four complimentary Emirates Home check-in services within Dubai.
  • Unlimited Airport lounge access globally for primary cardholder via LoungeKey.
  • Complimentary airport transfers
  • Exciting travel and lifestyle benefits.
  • Complimentary Concierge Services
  • Valet Parking
  • Complimentary golf for Cardholder
  • 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
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • 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 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
  • 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)

Reward Features

Up to 120,000 bonus Skywards Miles

  • 50,000 welcome bonus Miles
  • 70,000 bonus Skywards Miles (subject to meeting spend thresholds)

*Minimum retail spend of AED 130,000 within 6 months from the card issuance date, when you apply for your Emirates Skywards card from 1st July 2020 till 31st July 2020

Things To Be Aware Of

  • Minimum retail spend of AED 140,000 within 6 months
  • 5th supplementary card onwards annual fee is AED 4500

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 999

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

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 999

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

70,000 welcome Etisalat Smiles Points


Key Features

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

Reward Features

Earn Etisalat Smiles Rewards Points

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

Things To Be Aware Of

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

MINIMUM SALARY

AED 15,000

RATE

3.09%

ANNUAL FEE

AED 1199

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • 100,000 welcome Etisalat Smiles Points
  • Earn Etisalat rewards on all spends
  • Lifestyle benefits - free roadside assistance, valet parking

MINIMUM SALARY

AED 15,000

RATE

3.09%

ANNUAL FEE

AED 1,199

Non AED Transaction Fee

3.10%

Cash Advance Fee

3.00 % / Min 99

Joining Offers

100,000 welcome Etisalat Smiles Points

Key Features

  • 100,000 welcome Etisalat Smiles Points equivalent to 38 hours of UAE talk time
  • For non-Self-funded Card earn 6 Etisalat Smiles points for every Dirham spent
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • For Self-funded Card earn 3 Etisalat Smiles points for every Dirham spent
  • Earn 1 Etisalat Smiles points for every Dirham spent on specific merchant transactions
  • Redeem Reward Points for: Etisalat Data or Talk time, Etihad Guest Miles, Airline tickets
  • Free unlimited premium airport lounge access globally for primary cardholder
  • 4 Free Valet Parking at select locations in Abu Dhabi & Dubai
  • Withdraw 100% of your finance limit as cash
  • Free roadside assistance services

Reward Features

Earn Etisalat Smiles Rewards Points

  • For non-Self-funded Card earn 6 Etisalat Smiles points for every Dirham spent so every AED 100 spent is 20 minutes of UAE talk time
  • For Self-funded Cards earn 3 Etisalat Smiles points for every Dirham spent, so every AED 100 spent is 10 minutes of UAE talk time
  • Earn 1 Etisalat Smile point for every Dirham spent on - supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, Salik, charities, so every AED 100 spent is 3 minutes of UAE talk time
  • Redeem Reward Points for payment of various Etisalat services including Etisalat Data or Talk time, Airline tickets, mobile bills, eLife Service, hotels, holidays, car hires etc.

Things To Be Aware Of

  • Profit rate is 2.99% with salary transfer
  • 5th supplementary card onwards annual fee is AED 1,199

MINIMUM SALARY

AED 5,000

RATE

3.09%

ANNUAL FEE

AED 1250

  • 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 12,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • 50,000 Bouns Smile Points
  • Premium lifestyle & travel benefits
  • Valet parking & cinema offers

MINIMUM SALARY

AED 12,000

RATE

3.45%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.75%

Cash Advance Fee

2.75 % / AED 105

Joining Offers

Welcome Offer:

  • 50,000 Smiles points as Welcome Bonus
  • 15,000 Smiles points as Quarterly Bonus
  • (Quarterly Bonus will be subject to achieving a minimum spend target of USD 15,000 or AED equivalent)

Key Features

  • Earn Smiles points Up to 4
  • Redeem Smiles points seamlessly via the Smiles UAE mobile app across various categories
  • free VOX cinema tickets per month (min spend of AED 5,000 p.m)
  • Up to 3 free valet parking at over 30 locations across 5 cities in UAE
  • Complimentary access to 1000+ VIP airport lounges for cardholder plus a guest
  • Travel insurance cover upto $500,000 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
  • 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
  • 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 Smiles points:

  • 10 Smiles points on Etisalat spends or through the Smiles UAE mobile app
  • Up to 3 Smiles points on International spends
  • Up to 2 Smiles points on Domestic spends

Things To Be Aware Of

  • Min. spend of USD 15,000 is req. for quarterly bonus
  • Min. retail spend of AED 5,000 req. to avail VOX offer

MINIMUM SALARY

AED 8,000

RATE

3.69%

ANNUAL FEE

AED 400

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Earn up to 10% cashback on specific categories
  • Complimentary global airport lounge access with Lounge Key
  • Upto 5 free supplementary credit cards

MINIMUM SALARY

AED 8,000

RATE

3.69%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.75%

Cash Advance Fee

3.00 % / Min 105

Joining Offers

No Annual Fee for the first year on Primary Card. Annual fee applicable only from second year onwards

Key Features

  • Earn up to 10% cashback on key shopping categories including supermarket, fuel, education, utility bills and more
  • No annual fee for the first year
  • Enjoy 50% off all week long across VOX and Reel Cinemas movie tickets across UAE plus 20% off on F&B across all Reel Cinemas
  • Free Valtrans valet parking 2 times per month at over 15 locations like City Walk, Dubai International Airport, YAS Waterworld, Ferrari World and many more locations.
  • 8 Complimentary visits a year. Access to 1000+ VIP airport lounges for cardholder plus a guest
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • 12 months complimentary extended warranty on your electronic purchases
  • Visa Luxury Hotel collection offers
  • 24-hour personalised premium concierge service
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)

Reward Features

Earn up to 10% Cashback on your monthly spends with CBD's Super Saver Cashback Credit Card with the maximum of up to AED 600 per month

• Up to 10% Cashback on Supermarket spends
• Up to 10% Cashback on Education (School, College, University Fees)
• Up to 10% Cashback on Utility bill payments
• Up to 10% Cashback on Transport (Fuel)

Track your Cashback in realtime through CBD App and redeem it instantly as Cashback

Earn up to 10% CASHBACK on the following everyday retail spend categories, capped at AED 200 per category, per month. A minimum monthly total spend of AED 3,000 across all categories is required to start earning cashback.       

  • Bills (e.g. Telecomm Bills, Utilities Bills and Government-Linked Payments)
  • Education (e.g. Schools, and Colleges/Universities in the UAE and abroad)
  • Supermarket (e.g. Grocery Stores)
  • Transport (e.g. Fuel )

Earn up to 1% Cashback on every AED 2 on all other spends, with no caps.

Things To Be Aware Of

  • Min. spend of AED 3,000 req. to earn cashback
  • Max cashback per month is AED 200 per ctgry and 600 a month
  • Min spend of AED 5000 on primary card for movies offer

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 315

  • Valet Parking
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Contactless Tech
  • Free for life credit card
  • Complimentary Valtrans valet parking service
  • Earn up to 3x Miles on airline, hotel and department stores
  • Complimentary ZOMATO GOLD membership valid for one year

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 315

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Free for life credit card.

Key Features

  • Earn up to 3x Miles Up rewards on airline tickets and hotel reservations
  • Earn up to 3x Miles Up rewards on department store shopping including ready-to-wear apparel, fashion accessories, sportswear etc.
  • 3x on shopping in stores as well as online shopping, worldwide
  • 1x on all retail spends worldwide
  • Complimentary Zomato Gold membership
  • Free 2-year premium MyUS membership
  • 4 Complimentary Valet parking services every month across UAE
  • Complimentary airport lounge access in 25+ lounges across the Middle East
  • Purchase protection cover up to 180 days from date of purchase
  • Up to 30% discounts on round trip international airfare or hotels from Cleartrip.com
  • Up to 15% on Avis car rentals worldwide
  • Deem Double Secure protection which not only covers the credit card outstanding but also provides a nominee payout of equal amount

Reward Features

Earn Miles Up:

  • 3x Mies up on airline tickets purchased worldwide
  • 3x Mies up on hotel reservations
  • 3x Mies up on department store shopping as well as ready-to-wear apparel, fashion accessories, sportswear, footwear, handbags, cosmetics & perfumes
  • 1x Mies up on all retail spends worldwide

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 1500.

The Customer must have 10,000 Miles Up to be able to redeem their Miles Up for Rewards on the Rewards portal.

Option of redeeming 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

  • Min of AED 3000 spend to avail Valet parking services
  • Miles Up tiers have minimum monthly spend criteria

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 8,000

RATE

2.58%

ANNUAL FEE

AED 200

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Air Miles
  • Earn 30,000 Bonus Dubai Mementos
  • Earn up to 2 Dubai Mementos for every Dirham spent
  • 50% off Movie Tickets, anytime, anywhere

MINIMUM SALARY

AED 8,000

RATE

2.58%

ANNUAL FEE

AED 200

Non AED Transaction Fee

3.90%

Cash Advance Fee

3.00 % / Min 100

Joining Offers

Welcome Bonus

  • Earn 30,000 Bonus Dubai Mementos in the first three months with your new Dubai Moments Platinum Card.
  • Average monthly spend of  AED 5000 within 90 days of Credit Card issuance.

Key Features

  • Earn up to 2 Dubai Mementos for every Dirham spent
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Customers can avail 50% discount on any cinema upto AED 100 per month. There is a spend requirement of AED 2000 to avail the cashback.
  • Complimentary Airport Lounge across the globe
  • Complimentary Valet Parking in locations across Dubai and Abu Dhabi
  • Access to premium health clubs
  • Dozens of special discount, shopping and travel discounts across the UAE
  • MasterCard Priceless Cities offers
  • Buy-1-Get-1-Free Entertainer Offers
  • Purchase protection
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn Dubai Memento Points 

  • Earn Dubai Memento Points
  • Earn 2 Dubai Mementos for every AED 1 spent in Dubai
  • Earn 1 Dubai Memento for every AED 1 spent in other Emirates
  • Earn 2 Dubai Mementos for every AED 1 spent outside UAE
  • Redemption partners include AlShaya, Dubai Festival City, Oasis Center, Abu Dhabi Mall, Joyalukkas, Etisalat and many more.

 

Yearly Guaranteed Rewards

Spend AED 100,000 or more on retail purchases during the year to qualify for Bonus Mementos equivalent to the value of your total retail purchases**. For example, an accumulated spend of AED 110,000 during the course of one year of your membership will earn you 110,000 Bonus Mementos. These Mementos will be awarded after your anniversary date, upon your request. You can redeem Bonus Mementos for the full set of redemption options available.

Things To Be Aware Of

  • Cinema 50% off needs min spend of AED 2,000 p.m
  • Valet offer requires min spend of AED 2,000 p.m

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 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
  • Contactless Tech
  • Earn upto 10% cash up on specific categories
  • Complimentary 1-year Zomato Gold membership
  • Access to 1100+ airport lounges across the world
  • No minimum spend required to earn Cash Up

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 up to 10% cashback on airline spends including through travel agents
  • Earn up to 5% cashback on hotel spends
  • Earn up to 5% on all spends relating to entertainment
  • 1% Cash Up on all other retail spends worldwide
  • Complimentary 1-year Zomato Gold membership
  • 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
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Marriott Bonvoy hotel offers
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • 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
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Enjoy attractive deals and discounts with the Deem Offers app
  • Exclusive Avis & Hertz Car rental offers
  • Luxury Serviced Apartment discounts

Reward Features

Earn Cash Up on all spends:

  • Up to 10%  Cash Up on airline tickets purchases
  • Up to 5%  Cash Up on hotel reservations
  • Up to 5% Cash Up on entertainment spends
  • 1% Cash Up on all other retail spends worldwide
  • Cash Up Earn Rate is 0.50% for spends on Fuel, Transport, Utility Bills, Government Services

Spend & Cash Up Tiers:

Airlines:

  • 1000- 4999     -  5%
  • Above 5000   - 10%

Hotel:

  • 1000- 2999     -  3%
  • Above 3000   -   5%

Entertainment:

  • More than 100 - 5%

Things To Be Aware Of

  • Cash up rewards have tiers for each category
  • Monthly spends of min. AED 6000 req. to avail Valet Parking

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Valet Parking
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Contactless Tech
  • Free for life credit card
  • Complimentary 1-year Zomato Gold membership
  • Earn upto 10% cash up on specific categories
  • Complimentary Valtrans valet parking service

MINIMUM SALARY

AED 10,000

RATE

3.25%

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.14%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Free for life card.

Key Features

  • Earn up to 10% on department store shopping including ready-to-wear apparel, fashion accessories, sportswear etc.
  • Up to 3% unlimited Cash Up on utilities
  • 1% cash up on all other retail spends
  • Earn up to 5% on entertainment like tourist attractions, kids entertainment, dining etc.
  • 4 Complimentary Valet parking services every month across UAE
  • Free for Life
  • Free Zomato Gold Membership
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Discounts on dining, leisure and more with the Deem Offers app
  • Complimentary airport lounge access in 25+ lounges across the Middle East
  • Purchase protection cover up to 180 days from date of purchase
  • Up to 30% discounts on round trip international airfare or hotels from Cleartrip.com
  • Up to 15% on Avis car rentals worldwide
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase

Reward Features

Earn Cash up: 

  • Upto 10% unlimited Cash Up at supermarkets 
  • 5% unlimited Cash Up on online shopping
  • 5% unlimited Cash Up on online food delivery
  • 1% unlimited Cash Up on all other retail spends


Spend & Cash Up Tiers:

Dept Sores

  • 0-499            - 1%
  • 500-999         - 2%
  • 1000-1999     -  5%
  • Above 2000    - 10%

Online shopping

  • 0-499              - 1%
  • 500-999          - 2%
  • Above 1000     -  5%

Entertainment

  • 0-499              - 1%
  • 500-999          - 2%
  • Above 1000     -  5%

All other Retail Purchses:  1%

Things To Be Aware Of

  • Minimum monthly spend of AED 1,500 to earn cash up
  • Cash up tiers have minimum monthly spend criteria

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 12,000

RATE

3.49%

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
  • AED 500 noon voucher (T&C's apply)
  • Up to 1.5 Skywards Miles per USD equivalent spent
  • Complimentary Airport Lounge access
  • Complimentary Cinema tickets, Golf rounds & Valet Parking
  • Complimentary Marhaba Meet & Greet services

MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table

-1.5 Skywards Miles at Emirates Airlines
- 1.1 Skywards Miles on international spend
- 0.75 Skywards Miles on domestic spend

For more details about Skywards Miles earning rates please click here.

Key Features

  • Up to 2 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Enjoy unlimited complimentary access to over 1000 airport lounges
  • Enjoy 1 complimentary valet parking services per month at select locations across the UAE.
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy two rounds of complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Signature Credit Card
  • With your Emirates Islamic Signature Credit Card, you can avail Cash on Call facility of up to 80% of your available credit limit.
  • Get access to all exclusive Visa Infinite benefits*T&Cs apply

Reward Features

Earn up to 1.5 Miles per USD 1 equivalent retail spends as per below table

-1.5 Skywards Miles at Emirates Airlines
- 1.1 Skywards Miles on international spend
- 0.75 Skywards Miles on domestic spend

For more details about Skywards Miles earning rates please click here.

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • 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
  • Complimentary Emirates Skywards Silver membership upgrade
  • Access to Business Class Lounge with your Silver membership

MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

  • Earn up to 100,000 Skywards Miles with your Skywards Infinite Credit Card.
  • Complimentary Emirates Skywards Silver membership upgrade

Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!

Key Features

  • 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)
  • Unlimited complimentary access to over 1000 airport lounges worldwide via LoungeKey
  • 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
  • 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 5,000

RATE

3.75%

ANNUAL FEE

AED 1000

  • 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 bank fee
  • 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.
  • 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 15,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • 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 25,000

RATE

3.49%

ANNUAL FEE

AED 2100

  • 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 25,000

RATE

3.49%

ANNUAL FEE

AED 2,100

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

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 25,000

RATE

3.49%

ANNUAL FEE

AED 2100

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Up to 75,000 bonus Skywards Miles
  • Up to 2 Skywards Miles per USD equivalent spent
  • Fast-Track update to Emirates Skywards Silver Tier Status
  • AED 500 noon voucher (T&C's apply)

MINIMUM SALARY

AED 25,000

RATE

3.49%

ANNUAL FEE

AED 2,100

Non AED Transaction Fee

2.34%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

40,000 joining bonus miles upon payment of the Annual Membership Fee and the Joining Fee totaling to AED 1,999 (Annual Membership Fee of AED 999 and Joining Fee of AED 1,000)

Spend a minimum of AED 75,000 in the first 6 months and earn 35000 miles (offer valid till 30 Sep, 2023).

In addition, get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.

Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.

Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.

Key Features

  • Enjoy unlimited complimentary access to over 1000 airport lounges
  • Up to 3 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
  • Enjoy 2 complimentary valet parking services per month at select locations across the UAE.
  • Enjoy up to 2 complimentary Marhaba Meet & Greet services per year
  • Enjoy unlimited complimentary golf per month at select Golf clubs in UAE
  • You can avail complimentary access to Dubai Ladies Club in the UAE and enjoy various benefit like Pool & beach access, gym, outdoor activities and more.
  • Convert your purchases made at emirates.com and other participating partners into convenient monthly installments.
  • Enjoy 0% profit rate on the outstanding balance of your credit cards from other banks for 6 months by simply transferring it to your Emirates Islamic Infinite Credit Card
  • With your Emirates Islamic Infinite Credit Card, you can avail Cash on Call facility of up to 80% of your available credit limit.
  • Get access to all exclusive Visa Infinite benefits
  • T&Cs Apply

Reward Features

Earn up to 2 Miles per USD 1 equivalent retail spends as per below rates

- 2 Skywards Miles at Emirates Airlines
- 1.5 Skywards Miles on international spend
- 1 Skywards Miles on domestic spend

 For more details about Skywards Miles earning rates please click here.

Things To Be Aware Of

  • Specific categories of spend have lower earn rates

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Contactless Tech
  • Welcome offer of up to 60,000 Etihad Guest Miles
  • High Etihad Miles earning rate on hotels, dining & Etihad
  • Complimentary cinema tickets, golf access, valet parking
  • Complimentary airport lounge access

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 735

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers


Apply for the Etihad Guest Visa Inspire Credit Card and receive exclusive offers

  • Welcome offer: Up to 60,000 Etihad Guest Miles
    • Earn 20,000 Miles upon payment of joining fee
    • Earn 40,000 Miles upon spending minimum AED 10,000 monthly for 6 months from card issuance date
  • Limited time offer - 10% cashback on spends with Etihad Airways

Key Features

  • Welcome offer of up to 60,000 Etihad guest Miles
  • Earn Etihad Guest Miles on all spends, additional miles earn rate for spends at Etihad Airways, hotels and dining
  • Complimentary Etihad Guest Silver Tier membership
  • Complimentary airport lounge access at 1000+ lounges in 300+ cities for primary and supplementary card holder
  • Complimentary buy 1 get 1 Vox cinema offers
  • Complimentary golf rounds twice a month at over 5 golf courses in the UAE without any minimum spend requirement
  • Complimentary valet parking offers 4 times a month at key locations in Abu Dhabi & Al Ain
  • Travel benefits including airport dining discounts, Avis car rental offers, medical and travel insurance
  • Global concierge services
  • Buy 1 Get 1 Free with The Entertainer
  • Bicester Village Shopping Collection benefits
  • Auto Salik top-up

Reward Features

Earn Etihad Guest Miles

  • Earn Etihad Guest Miles on spends
    • 7 Miles per AED 10 spend on Etihad Airways, hotels and dining
    • 4 Miles on all other spends1
  • Earn 2.5 Etihad Tier Miles for every AED 10 spend on all spends3

Etihad Guest Miles earned on retail spends made on merchants located in European Union or under categories, grocery and supermarkets, quick service restaurant (i.e. fast food restaurant), insurance, car dealership, petroleum, transit, government services, utility payments, real estate, education & telecommunication payment will be capped at 750 Miles per statement cycle.

Things To Be Aware Of

  • Etihad Guest miles on specific categories are capped
  • Vox cinema tickets offer has minimum spend requirements

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 1575

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Welcome offer of up to 200,000 Etihad Guest Miles
  • Premium lifestyle benefits - valet parking, cinema offers
  • Premium travel offers - airport lounge, airport transfers
  • Complimentary airport lounge access to over 1000 lounges
  • Concierge services for your time-consuming errands

MINIMUM SALARY

AED 35,000

RATE

3.25%

ANNUAL FEE

AED 1,575

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min103.95

Joining Offers

Welcome offer of AED 400 Noon voucher.

Key Features

  • Earn up to 200,000 Etihad Guest Miles
  • Complimentary Airport Lounge Access
  • Complimentary Valet Parking offers
  • Complimentary Golf offers
  • Concierge Desk
  • Complimentary Airport transfers in Dubai and Abu Dhabi
  • New Credit Shield Pro benefits
  • Airport Dining Discount Program
  • Avis Car Rental benefits
  • Medical & Travel Assistance
  • Global Customer Assistance Services
  • Conceirge Digital Services
  • The Entertainer
  • Bicester Village Shopping Collection

Reward Features

  • Earn 10 Miles per AED 10 spend on Etihad Airways, hotel and dining
  • Earn 6 Miles on all other spends
  • Earn 40,000 Miles upon payment of joining fee
  • Earn 60,000 Miles upon spending AED 90,000 in first 6 months or earn 160,000 Miles upon spending AED 120,000 in first 6 months
  • Get 50% more miles when you sign up for the Express Miles program for a nominal fee of AED 250 per month
  • Earn 2.5 Etihad Tier Miles for every AED 10 spend on all spends
  • Get 50% Etihad Guest Miles redemption discount voucher upon spending every AED 150,000

MINIMUM SALARY

AED 30,000

RATE

2.49%

ANNUAL FEE

AED 600

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn up to 5 FAB Rewards for every AED 1 you spend
  • Access to over 1,000+ Airport Lounges
  • Complimentary multi-trip travel insurance
  • Movie tickets from just AED 15
  • Golf discounts with Visa Golf

MINIMUM SALARY

AED 30,000

RATE

2.49%

ANNUAL FEE

AED 600

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / AED 158

Joining Offers

Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.


Key Features

  • A convenient solution for all those enjoy the basic luxuries in life! FAB Infinite Credit Cardholders can enjoy 3 valet parking services per month at select locations.
  • FAB Infinite Credit Cardholders can enjoy 6 movie tickets per month at AED 15 during weekdays and AED 20 during weekends with Reel Cinemas, Cine Royal, and Oscar Cinemasand at AED 20 during weekends at Vox Cinemas.
  • Take your golf to the next level with Visa Golf and get exclusive discounts on highly prestigious golf courses.
  • Make the most of your trip with a 24-hour Concierge Service to help you with an array of travel-related tasks.
  • Plus hundreds more top-class offers available to FAB Infinite Credit Cardholders.
  • Get welcomed at the airport in style! FAB VISA Infinite Credit Cardholders can enjoy 6 Meet & Greet services per annum from AED 40 (individual booking) or AED 100 (family booking). Note: The service at Abu Dhabi airport is temporarily on hold until
  • further notice
  • Travel in style with access to more than 1000+ airport lounges worldwide for you and a guest.
  • Visa gives you 20% off on 3 airport transfers with Careem.
  • Get complimentary Travel Accident Insurance of up to USD 1 million.
  • Enjoy Purchase Protection and an Extended Warranty of 12 months beyond the manufacturer or retail warranty.
  • Benefit from automatic protection against unauthorised transactions or fraudulent use of your card.
  • If you have used your FAB Visa Infinite Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your principal country of residence for up to 90
  • days.

Reward Features

Earn up to 5 FAB Rewards for every AED 1 you spend on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.

Earn up to 4 FAB Rewards per AED 1 spent on your card

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

Spend and Win Cash Prizes

Draw month : Every July
Qualifying spend period: January – June (6 months)
Criteria(Based on retail spend): Cumulative retail spend of AED 25,000 within 6 months
Total winners per draw:20
Maximum winning amount per winner : AED 25000

Draw month : Every January
Qualifying spend period: January – December( previous year)
Criteria(Based on retail spend): Annual retail spend of AED 50,000
Total winners per draw:20
Maximum winning amount per winner : AED 50000

Draw month : Every January
Criteria(Based on retail spend): Annual retail spend of AED 25,000 to 50,000
Total winners per draw:100
Maximum winning amount per winner : AED 1,000

Things To Be Aware Of

  • Spend critiera applicable for Valet and Movies

MINIMUM SALARY

AED 8,000

RATE

3.85%

ANNUAL FEE

AED 300

  • Valet Parking
  • Dining Offers
  • Balance Transfer
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Win cash prizes up to AED 50,000
  • Movie tickets from just AED 15
  • Get up to two airport transfers a year
  • Purchase Protection and Extended Warranty

MINIMUM SALARY

AED 8,000

RATE

3.85%

ANNUAL FEE

AED 300

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.


Key Features

  • Movie tickets from just AED 15: Enjoy four movie tickets a month for only AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinemas. Get weekday movie tickets from only AED 20 at VOX Cinemas.
  • Visa lifestyle benefits: Get even more great benefits with Visa, including offers on dining, The Entertainer and Global Blue*.
  • Airport Transfers: Get up to two airport transfers a year from AED 40 (within the same city)
  • Visa Travel Benefits: Enjoy travel benefits and discounts with Visa’s partners including DragonPass Airport dining offers, YQ Meet & Assist, Avis Car Rental, Agoda, IHG Hotels & Resorts, Visa Luxury Hotel Collection, Jumeirah Hotels, Booking.com and many
  • Purchase Protection and Extended Warranty: Enjoy Purchase Protection and Extended Warranty of 12 months beyond the manufacturer or retail warranty*.
  • International Medical and Travel Assistance: If you used your FAB Rewards Platinum Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your
  • principal country of residence for up to 90 days*.
  • Credit Shield: If something happens and you can’t meet your credit card payments, your outstanding balance will be paid off.

Reward Features

FAB REWARDS

The fastest way to increase your FAB Rewards earning 

  • FAB Rewards bonus: Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.
  • More FAB Rewards on gaming: Earn up to 5 FAB Rewards per AED 1 spent on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.
  • More FAB Rewards: Earn up to 1 FAB Reward per AED 1 spent on your card.
  • Redeem instantly: Redeem your FAB Rewards instantly through the FAB Mobile app. Use your Rewards for more game time, exchange them for Emirates Skywards Miles or Etihad Guest Miles, buy mall e-vouchers, pay utility bills and much more.

Spend and Win Cash Prizes

Draw month : Every July
Qualifying spend period: January – June (6 months)
Criteria(Based on retail spend): Cumulative retail spend of AED 25,000 within 6 months
Total winners per draw:20
Maximum winning amount per winner : AED 25000

Draw month : Every January
Qualifying spend period: January – December( previous year)
Criteria(Based on retail spend): Annual retail spend of AED 50,000
Total winners per draw:20
Maximum winning amount per winner : AED 50000

Draw month : Every January
Criteria(Based on retail spend): Annual retail spend of AED 25,000 to 50,000
Total winners per draw:100
Maximum winning amount per winner : AED 1,000

Things To Be Aware Of

  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 15,000

RATE

3.85%

ANNUAL FEE

AED 400

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Earn more FAB Rewards on your spending and gaming
  • Win cash prizes up to AED 50,000
  • Benefits and discounts across travel and lifestyle
  • Get up to two airport transfers a year from AED 40
  • Enjoy free access to 1000+ airport lounges worldwide.

MINIMUM SALARY

AED 15,000

RATE

3.85%

ANNUAL FEE

AED 400

Non AED Transaction Fee

2.49%

Cash Advance Fee

3.15 % / or AED 105

Joining Offers

Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.


Key Features

  • Valet Parking: Enjoy two free valet parking services a month at selected locations in the UAE.
  • Movie tickets from just AED 15: Enjoy four movie tickets a month for only AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinemas. Get weekday movie tickets from only AED 20 at VOX Cinemas.
  • Golf Discounts: Get exclusive discounts at great golf courses*.
  • Visa Lifestyle Benefits: Get even more great benefits with Visa, including offers on dining, The Entertainer and Global Blue*.
  • Airport Transfers: Get up to two airport transfers a year from AED 40 (within the same city) .
  • Airport Lounge Access: Enjoy free access to 1000+ airport lounges worldwide.
  • Visa Travel Benefits: Enjoy travel benefits and discounts with Visa’s partners, including DragonPass Airport dining offers, YQ Meet & Assist, Avis Car Rental, Agoda, IHG Hotels & Resorts, Visa Luxury Hotel Collection, Jumeirah Hotels, Booking.com and many
  • more*.
  • Travel Accident Insurance: Get complimentary travel insurance of up to USD 500,000*.
  • Purchase Protection and Extended Warranty: Enjoy Purchase Protection and Extended Warranty of 12 months beyond the manufacturer or retail warranty*.
  • Fraud: Benefit from automatic protection against unauthorised transactions or the fraudulent use of your card*.
  • International Medical and Travel Assistance: If you used your FAB Rewards Signature Credit Card to pay for your travel, you are eligible for free Medical and Travel Assistance Insurance for you and your family when travelling to a location outside your
  • principal country of residence for up to 90 days*.
  • Credit Shield: If something happens and you can’t meet your credit card payments, your outstanding balance will be paid off.
  • *Services offered and supported by Visa. Terms and conditions of the offer(s) may change without prior notice. Click here for more details about these great benefits

Reward Features

The fastest way to increase your FAB Rewards earning: 

FAB Rewards bonus: Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.
More FAB Rewards on gaming: Earn up to 5 FAB Rewards per AED 1 spent on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.
More FAB Rewards: Earn up to 2 FAB Rewards per AED 1 spent on your card.
Redeem instantly: Redeem your FAB Rewards instantly through the FAB Mobile app. Use your Rewards for more game time, exchange them for Emirates Skywards Miles or Etihad Guest Miles, buy mall e-vouchers, pay utility bills and much more

Spend and Win Cash Prizes

Draw month : Every July
Qualifying spend period: January – June (6 months)
Criteria(Based on retail spend): Cumulative retail spend of AED 25,000 within 6 months
Total winners per draw:20
Maximum winning amount per winner : AED 25000

Draw month : Every January
Qualifying spend period: January – December( previous year)
Criteria(Based on retail spend): Annual retail spend of AED 50,000
Total winners per draw:20
Maximum winning amount per winner : AED 50000

Draw month : Every January
Criteria(Based on retail spend): Annual retail spend of AED 25,000 to 50,000
Total winners per draw:100
Maximum winning amount per winner : AED 1,000

MINIMUM SALARY

AED 20,000

RATE

3.29%

ANNUAL FEE

AED 2000

  • 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 15,000

RATE

3.25%

ANNUAL FEE

AED 250

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Purchase Protection
  • Contactless Tech
  • Class leading cashback of 7% at Lulu stores & online
  • Complimentary access to top golf courses across the UAE
  • Exclusive benefits & offers at Lulu stores & online
  • Complimentary airport lounge access via LoungeKey
  • Buy 1 get 1 free on movie tickets with Vox Cinemas

MINIMUM SALARY

AED 15,000

RATE

3.25%

ANNUAL FEE

AED 250

Non AED Transaction Fee

1.99%

Cash Advance Fee

3.15 % / Min 103.95

Joining Offers

Welcome offer of 500 LuLu Points and 0% interest on balance transfers with no processing fees


Key Features

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

Reward Features

Earn LuLu Points
  • Earn 7% on LuLu in-store and online spends
  • Earn 4% on fuel spends
  • Earn 2% on utility bill payment
  • Earn 0.7% on all other spends
  • Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED

Things To Be Aware Of

  • Min spend of AED 4,000 req for cinema offers

Best Credit Cards for Valet parking Offers

UAE customers can avail free valet parking offers on their credit cards. Valet parking is such a convenience at times which can help one save time and efforts. Banks have partnered with malls, airports, and other locations to provide free valet parking services to their customers. We at Soulwallet have reviewed the market offering and have made it easy for our customers to identify the best credit cards for free valet parking offers. Deem Mastercard World Credit Card, FAB Abu Dhabi Platinum Credit Card, Emirates NBD U by Emaar credit cards are some of the best credit cards in UAE for this feature.