Wouldn’t it be great if you just had to flash your card with sheer confidence to buy that fancy outfit for your date night, or when you have to tap that ‘book now’ button without thinking a hundred times about the price and budget of your trip? Now you can upgrade your life by owning that fancy rectangular card. That card is not just any plastic credit card; that’s going to be your key to achieving your dream lifestyle. From lounge access, luxury airport transfers, or heavy discounts on your air tickets, you can have it all with just one card.
Credit Card with Zero Annual Fee
Also, No need to carry wads of cash, and it’s always going to be a hassle. Here is a list of some of the best credit cards in UAE for which you don’t have to pay an annual fee.
Key Features
- Citi simplicity doesn’t apply any annual fee, late payment fee, cash advance fee, or over-limit fee.
- You will get access to select airport lounges across the middle east.
- Enjoy travel, dinners, and entertainment discounts locally and across 95 countries.
- Pay any big purchases into smaller ones by using ‘Pay light”,
Minimum Salary
AED 5,000
Rate
3.50%
Reward features
This credit card doesn’t offer many discounts, but it can be an excellent option for paying debts.
Benefits:
- Dining Offers
- Balance Transfer
- Airport Lounge Access
- Easy Installment Plan
- Cash Loan
- No Cash Advance, Late or Overlimit fee
- Free for life
2) Emirates Islamic RTA credit card
Key Features
- After joining, you get an amazon gift card worth AED 500.
- Get 10% cashback on fuel spending.
- 10% cash back on transport payments.
- You will get 2.25% cash back on international spending.
- 1.25% cash back on all other spends.
- Visa Luxury Hotel collection offers.
- Get access to over 200 airport restaurant offers globally.
- Avail discounts on a multitude of Golf courses across the world.
- Get complimentary movie tickets each month and avail of them on any day of the week.
- Grab an 8% discount on hotel bookings made at Hotels.com.
- Get 15% off on Emaar Entertainment attractions.
- Get purchase protection.
Minimum Salary
AED 5,000
Rate
3.49%
Reward Features
- Earn up to 1.25% cashback per AED 1 on domestic expenses.
- Earn up to 2.25% cashback per AED 1 on international transactions.
- Earn 10% cash back on fuel bills.
- Earn 10% cash back on RTA transport payments.
Benefits
- Golf offers
- Cinema Tickets
- Dining Offers
- Balance Transfer
- Purchase Protection
- Extended Warranty
3) Mashreq cashback card
Key Features
- One of the essential features of this credit card is it does not have any minimum spending thresholds. In a nutshell, you can start saving on your expenses from as little as AED 1/-
- Any retail cashback made with this card will be eligible for fantastic cashback.
- All retail purchases made on the card will be eligible for cashback.
- Utility bills can be paid with ease. Telephone, electricity, and water bills can be made through the different payment channels of the bank. These payment channels are Mashreq online, call center, mobile banking, nearest branches, etc.
Minimum Salary
AED 5,000
Rate
3.45%
Reward Features
- Get Unlimited Cashback on all transactions
- Grab a 5% Cashback on dining spends in the UAE
- 2% Cashback on international transactions
- 1% Cashback on other local bills or expenses
- Pure savings, guaranteed, that too without any complications or hassles.
Benefits
- Travel Insurance
- Purchase Protection
- Extended Warranty
4) HSBC zero credit card
Key features
- Pay zero annual, no limit, or any cash advance fee.
- Grab up to 5 tickets at VOX each month on a buy 1 get 1 offer.
- Get a free HSBC entertainment mobile app.
- Visa Luxury Hotel collection offers.
- Get access to over 200 airport restaurant offers globally.
- Get exclusive dining privileges.
- Travel discounts of up to 12% with Agoda.
- Dragon Pass Dine & Fly program.
- You will have an extended warranty of up to 1 year over the original manufacturer warranty.
- Also, get a purchase protection cover.
Minimum Salary
AED 10,000
Rate
3.45%
Reward Features
This card doesn’t come with a loyalty reward but has features such as cinema offers, movie discounts, etc.
Benefits
- Cinema Tickets
- Dining Offers
- Balance Transfer
- Purchase Protection
- Extended Warranty
Find the perfect credit card which not only gives you the best offers, cashback, or benefits but also aligns with your lifestyle goal. Depending on your lifestyle, whether traveling, exploring restaurants or cafes, business goals, etc., you can find yourself a credit card that offers it all.
