The use of credit cards in the UAE is growing faster than ever before, thanks to the benefits attached to their usage. While using credit cards is an excellent way to balance your financial life, you have to make sure that you choose credit cards that suit your needs and give you the maximum benefits.
From travel rewards to shopping discounts, there is a host of benefits that come with credit cards. In this article, we have listed some of the best credit cards you can find in the UAE. Our team has done extensive research on the credit card offered by various financial institutions, and as a result, we have this comprehensive list of the top credit cards in UAE.
Credit cards have been categorized based on the benefits that come along. The list is long, and it will really benefit you if you read it through till the end.
Please note that if your salary is around 5000, you should instead read our article on the best credit cards in the UAE for people with 5000 AED salary.
Cashback credit cards
1. Standard Chartered Platinum Credit Card
If you are a regular user of credit cards for your daily financial transaction, this is the one credit card you should definitely use. It provides offers on simple everyday activities like grocery shopping, paying utility bills, paying school fees, and more.
Features and benefits:
- Up to 10% cashback on utility bills
- Up to 10% in grocery shopping
- Up to 10% in school fee payment
- 20% discounted Careem ride every month
- 30% discount on travel with Cleartrip
- 10% discount on hotel booking through hotel.com
Annual fee: AED 525
Minimum salary: AED 5000
2. RAKBANK Titanium Credit Card
Get unmatched benefits and rewards with the RAKBANK Titanium Credit Card. Enjoy cashback on travel, dining, and entertainment with this one-of-a-kind credit card in the UAE. Also, enjoy cash backs on daily purchases from grocery stores and a lot more with this card.
Features and benefits:
- 5% cashback on dining, supermarket spends, and fuel
- Up to 50% cashback on cinema spends all over the world
- 2% cashback on all international retail transactions, internet transactions, and international cash advances
- Up to 55 days no interest credit
- Lucrative cashback offers on dining jewelry, electronics, furnishing and a lot more
- Unlimited complimentary access to VIP lounges in various parts of the world
Minimum salary AED: 10000
Annual fee AED: 0
3. CBD Super Saver Credit Card
CBD Super Saver Credit Card is one of the best credit cards in the UAE for those who are interested in saving money on every purchase. With this card, you can and get cash bags on almost all of the transactions during the year.
Features and benefits:
- Cashback on various details and categories which include transport, education, bills, and supermarket spendings
- 50% off on movie tickets booked through VOX Cinemas
- 2 free valet parking services
- Up to 8 complimentary access at more than 1000 airport lounges through LoungeKey
- 1% cashback on every AED 2 uncapped spending
Minimum salary AED: 12000
Annual fees: AED 800(first year free)
4. Majid Al Futtaim (Najm) Platinum Cashback Card
This is one of the best credit cards in the UAE for everyday spendings. With this card, you can get high discounts on travel and leisure categories. The best part is that you don’t have to pay any kind of annual fee to hold this credit card.
Features and benefits:
- 10% cashback at CareFour and 5% cashback for daily expenditure for two months
- Up to 50% travel discounts
- Up to 30% discount on dining, entertainment, shopping, and travel.
- Buy one get one free offer on movie tickets through VOX cinema
Minimum salary: AED 7000
Annual fee: AED 0
Rewards Credit Cards
1. ADIB Value+ Credit Card
ADIB Value+ Credit Card offers flexible reward programs which help you redeem reward points on travel, shopping, movies, etc.
Features and benefits:
- 25 % off at selected restaurants
- 2 Reward Points for every 1AED spent internationally
- 1 Reward Point for every 1AED spent locally
- Complimentary access to airport lounges
Minimum salary: AED 5000
Annual fees: AED 0
2. FAB Platinum Visa Credit card
Get Lifestyle privileges and maintain your spendings wisely with the FAB Platinum Visa Credit card. With this card, you can enjoy discounts and cashbacks in the UAE and all over the world.
Features and benefits:
- Up to 1.75 FAB Stars for every AED 1 spent
- Discounts on movie tickets and access to fitness clubs
- Complimentary access to airport lounges
3. Emirates NBD Titanium Credit Card
This is probably one of the best credit cards for all your domestic and international expenses. With this credit card, you get a wide range of discounts on Lifestyle expenses.
Features and benefits:
- Huge discounts on air tickets and holiday packages
- 40% discount at more than 100 Golf Course all over the world
- 1 Plus Point on every AED 100 spend through your card
- Complimentary access to airport lounges
Cinema Offers Credit Cards
1. Dubai First Platinum Life Card
This is one of the best credit cards for offers on movie tickets, dining, and other leisure activities. If you are a movie lover and love to spend your weekends in at cinema theatres, this credit card is perfect for you.
Features and benefits:
- Buy 1 get 1 free movie tickets
- Complimentary access to airport lounges
- Valet parking services at selected locations at Dubai and Abu Dhabi
- Discounts and offers or shopping, entertainment and more
Minimum salary: AED 8000
Annual fee: AED 0 for the first year, renewal AED 550
2. SimplyLife Cashback Credit Card
With the SimplyLife Cashback Credit Card, your movie experience can get a lot better. You can get free movie tickets, and huge cashback offers on using this card.
- 1% cashback on all expenses made with this card
- Up to two free movie tickets every month
- Complimentary access to airport lounges in Abu Dhabi and Dubai
Minimum salary: AED 8000
Annual fees: AED 0
3. Mashreq Novo Credit Card
If you are someone who actively goes to the cinema regularly, the Mashreq Novo Credit Card is a must-have for you. With this card, you can save a lot of money while enjoying your favorite movies.
Features and benefits:
- 50% discount on 8 movie tickets every month
- Free multi-trip travel insurance
- Complimentary access to airport lounges in the middle east region
Minimum salary: AED 5000
Annual fees: AED 300
Travel Credit Cards
1. ADIB Etihad Guest Visa Platinum Card
This is one of the best credit cards for frequent travelers. It provides multiple benefits to the cardholder.
Features and benefits:
- 50,000 Etihad Guest miles as joining bonus.
- 3 Etihad Guest miles on spending AED 4 internationally
- 2.2 Etihad Guest miles on spending AED 4 locally
- Complimentary access to airport lounges with LoungeKey
- Valet Parking at selected locations
Annual fee: AED 700
Minimum salary: AED 5000a
2. Union National Bank Titanium Credit Card
If you want exclusive offers and discounts for your travels, you can use the Union National Bank Titanium Credit Card. It is one of the best travel credit cards in the UAE. With this card, you can get great travel benefits in low charges.
Features and benefits:
- AED 500 UNB miles as joining bonus.
- Complimentary access to airport lounges in UAE, Egypt, Jordan, Saudi Arabia, and Kuwait
- 50% movie cashback as UNB miles
Annual fee: AED 0
Minimum salary: AED 8000
3. ADCB Traveller Credit Card
Get huge discounts on travel bookings done with ADCB Traveller Credit Card. It is definitely one of the best credit cards for those who like to travel frequently.
Features and benefits:
- 20% off on hotel reservations
- 20% off on flight ticket bookings
- Up to 6 free night stays at selected hotels all over the world
- Complimentary access to airport lounges
- 2 touchpoints on spending 1 AED using the card
Minimum salary: AED 30000
Annual fees: AED 1,050
Final words
If you are wondering which of the above credit cards is the best, you should know that it all depends on your needs and requirements. If you are someone who travels all the time, you can choose the best one from the travel credit card category. If you like to spend your weekends watching movies, you can go for the best credit cards in the movie category. Likewise, if you are interested in cashbacks and discounts, you can choose from that category as well. In short, your choice has to be in alignment with your needs and requirements. You can enjoy the benefits accordingly.
Is your salary more than or equal to AED 3500 & you want to get yourself a credit card? Read the article on Best Credit Cards on 3500 AED salary to know more.
