Best Credit Card in UAE — Compare 2026 Rates and Fees

Key Benefits

• Up to 7% Total Value Back: Earn a standard 4% back as SHARE Points on card purchases across 5,000+ eligible retail stores, dining venues, and leisure attractions within the Majid Al Futtaim network, which can be amplified with an additional 3% back via active SHARE App promotions.
• Points are credited instantly to your linked profile, removing standard monthly billing statement waiting cycles.
• Everyday Spending Cashback Tiers: 0.75% back as SHARE Points on standard domestic and international purchases outside the MAF network.; 0.19% back at external non-MAF supermarkets, groceries, fast-food outlets, car dealerships, and insurance providers.; 0.075% back on utility bills, petroleum, transit networks, schooling fees, real estate, government services, and telecommunications.

Features & Benefits

• Integrated entirely with the MAF SHARE rewards program to accumulate points seamlessly across 18 regional shopping malls (including Mall of the Emirates and all City Centre locations).

More Benefits

• Buy-one-get-one-free ticket offers at VOX Cinemas to enjoy movie nights with family and friends.
• Get a 25% discount at Ski Dubai (plus a free Snow Bullet experience when buying the Snow Fun package) and a 20% discount on all packages at Snow Abu Dhabi.
• Receive 20% additional point value on any card package purchase above AED 155, alongside 5 complimentary blue swiper ride activations.
• Split large retail expenses into zero-interest monthly repayment blocks spanning 3, 6, 12, 24, or 36 months.
• Adds 12 additional months of extended coverage onto manufacturer warranties and covers your card purchases against theft or accidental damage.
• Access to round-the-clock emergency assistance including battery boosts, fuel delivery, towing services, and recovery.

Rates & Fees

• Free for Life.
• Late Payment Fee: AED 241.50
• Over Limit Fee: AED 292.95 per cycle
• Optional Credit Shield Pro Insurance: 0.99% monthly fee of your total outstanding card balance (provides up to AED 300,000 death cover, AED 100/day hospital cash allowance, and up to AED 60,000 involuntary employment loss coverage for 12 months).

Eligibility

• Minimum 21 years old up to 65 years maximum.
• Open exclusively to permanent, full-time residents of the UAE.
• Salaried individuals or registered self-employed business owners.
• Minimum Monthly Income: AED 5,000
• To utilize the lifestyle perks (such as the VOX Cinemas BOGO offer), the cardholder must maintain a minimum overall retail card spend of AED 3,500 during that specific statement calendar month.
• Credit Profile: Subject to a clean credit score with the Al Etihad Credit Bureau (AECB) and no active credit card rejections within the past 6 months.

Documents Required

• Original Emirates ID and copy.
• Valid Passport copy (including residence visa page for expatriates).
• An undated signed security cheque aligned with your assigned credit limit.

Documents — Salaried Applicants

• Latest salary certificate (issued within the last month).
• Pay slips (required if your salary variance exceeds 10%).
• Latest 3 months of original bank statements (or mini ATM statements showing salary transfers).

Documents — Self-Employed Applicants

• Valid UAE Trade License.
• Corporate Memorandum of Association (MOA) or Power of Attorney document.
• Complete original corporate bank statements detailing the latest 3 months of business transaction history.
• Terms and conditions apply, subject to change without prior notice.

Key Benefits

• 10% Cashback on airline tickets (any airline, any destination).
• 10% Cashback on hotel stays (any hotel, anywhere in the world).
• 50% Cashback on movie tickets (purchased online).
• 1.5% Cashback on all other domestic AED spends.
• 0% Foreign Currency Fees: No processing fees when using the card overseas.
• Hotel Welcome Voucher: An Expedia.ae voucher worth AED 2,000 upon joining; redeemable at participating hotels, anywhere in the world (subject to paying the annual fee and spending AED 15,000 within the first 60 days).

More Benefits

• Airport Lounge Access: 14 complimentary visits per year to 1,200+ lounges worldwide for you and a guest (via the Mastercard Travel Pass app).
• Airport Transfers: 4 complimentary airport rides per year with Careem (up to AED 85 each)
• GHA DISCOVERY Titanium Membership: Enjoy room upgrades, early check-in, and late check-out at over 500 luxury hotels.
• Hertz President’s Circle: Up to 15% discounts and guaranteed room/car upgrades.
• Avis Benefits: Up to 25% discount on rentals and 10% off chauffeur services.
• Travel Insurance: Comprehensive medical and inconvenience cover, including car rental collision and loss damage waiver.
• Credit Shield: Complimentary life cover for the cardholder.
• Concierge Services: 24/7 Mastercard Travel & Lifestyle Concierge for dining and event bookings.
• Global Data Roaming: 1GB of free roaming data 3 times per year via Flexiroam. 15% discount on all subsequent Flexiroam data roaming plans.
• International Concierge: Enjoy 24/7 personal assistance for bespoke luxury travel planning, priority fine dining reservations, and VIP access to exclusive global events and entertainment.
• Golf Access: Free golf all year at Arabian Ranches Golf Club (Dubai) and Abu Dhabi Golf Club. To be eligible for this offer there is a minimum spend requirement of AED 5,000 monthly spend.
• Talabat Discount: 20% off food or grocery orders (once a month, capped at AED 14).
• School Fee Installments: Convert your children’s school tuition into a 0% interest payment plan to manage education costs with ease.
• Balance Transfer: Transfer your outstanding balances from other bank credit cards.
• Interest-Free Installments: Enjoy 0% interest on your purchases and repay through manageable monthly installments for a duration of up to 12 months.

Rates & Fees

• AED 1,575 (including VAT).

Eligibility

• AED 20,000 or be eligible for a credit limit of at least AED 30,000.
• Minimum age 21

Documents Required

• Copy of Emirates ID; Valid Passport & Residence Visa Copy.
• Address Proof.
• Bank Statements with Three Months Salary Credits to the same IBAN.
• Terms and conditions apply, subject to change without prior notice. To be eligible for the 10% cashback on flights and hotels, you must make a minimum retail spend of AED 5,000 per month.

Application Note

• On Abu Dhabi Commercial Bank’s Secure Website

Key Benefits

• Get a welcome bonus of AED 500 when you spend a total of AED 5,000 on the card within the first 2 months (valid for customers new to the card).
• Enjoy a completely free 1-year noon One subscription (giving you free delivery on noon, noon Food, and NowNow), with a 50% discount on subsequent yearly renewals.
• High-Tier noon Platform Rewards:20% back as noon Credits on all orders with noon Food.; 10% back on grocery and quick-delivery orders through noon Now; 5% back on core purchases made at noon.com, Namshi, and Sivvi.

More Benefits

• Earn 1% back as noon Credits on all standard local and international retail spends outside of the noon network.
• Buy-one-get-one-free tickets at VOX Cinemas (up to 3 free tickets per month), unlocked when your total monthly retail spend hits AED 3,500 or more.
• Earnings are generously capped at a maximum of AED 2,000 in noon Credits per calendar month, resetting automatically on the first of each month.
• Split major purchases made across noon platforms or participating external retailers into monthly interest-free payment timelines.
• Offers built-in access to the Bon Appétit (dining deals), LiveWell (health and spa discounts), and GoodTimes (entertainment perks) discount programs.

Rates & Fees

• Free for Life.
• International Transaction Fee: 1.99% of the transaction amount (applies to foreign currency and AED spent abroad).
• Late Payment Fee: AED 241.50 per month
• Over Limit Fee: AED 292.95 per cycle
• Cash Advance Fee: 3.15% of the drawn amount or AED 103.95 (whichever is higher).
• Credit Shield Pro Insurance (Optional): 1.04% monthly fee of your current outstanding balance.

Eligibility

• Minimum 21 years old.
• Must be a valid resident of the UAE.
• Salaried individuals or registered self-employed business owners.
• Minimum Monthly Income: AED 5,000
• Credit Profile: Subject to a clean credit score with the Al Etihad Credit Bureau (AECB) and no active credit card rejections within the past 6 months.

Documents Required

• Original Emirates ID and copy.
• Valid Passport copy (including residence visa page for expatriates).
• An undated signed security cheque aligned with your assigned credit limit.

Documents — Salaried Applicants

• Latest salary certificate (issued within the last month).
• Pay slips (required if your salary variance exceeds 10%).
• Latest 3 months of original bank statements (or mini ATM statements showing salary transfers).

Documents — Self-Employed Applicants

• Valid UAE Trade License.
• Corporate Memorandum of Association (MOA) or Power of Attorney document.
• Complete original corporate bank statements detailing the latest 3 months of business transaction history.

Key Benefits

• Earn 6.25% back as Darna Points on all qualified spending across more than 1,200 Aldar destinations, including Yas Mall, Yas Island theme parks, hotels, spas, and golf courses.
• Earn 0.75% back as Darna Points on eligible spending outside the Aldar partner network.
• Receive an automatic upgrade to Darna Silver membership, unlocking exclusive lifestyle benefits across Abu Dhabi.

More Benefits

• Enjoy up to 15% off dining at participating properties, including AL Dhafra Resort, Crowne Plaza Yas Island, Radisson Blu Yas Island, Yas Island Rotana, Centro Yas Island, Park Inn by Radisson, and Staybridge Suites Yas Island.
• Exclusive access and preferred rates on premium golf sessions, padel tennis, and regional country clubs.
• Convert larger purchases into flexible monthly installment plans at zero interest or low rates.
• Includes free travel insurance coverage for trips up to 180 days, Avis car rental privileges, and a 24/7 emergency medical and legal referral service.
• Access to 24/7 emergency roadside assistance including emergency fuel delivery, battery boosts, recovery, and vehicle towing.

Rates & Fees

• Annual Fee: Free for Life.
• Credit Shield Pro Insurance (Optional): 0.99% of the outstanding card balance per month. Coverage includes up to AED 300,000 life insurance, AED 100 per day hospital cash allowance, and up to AED 60,000 job loss cover for up to 12 months.

Eligibility

• Minimum age: 21 years.
• Available to salaried individuals and self-employed business owners.
• Applicant must be a UAE resident.
• Minimum monthly income: AED 5,000.

Documents Required

• Original Emirates ID and a copy.
• Valid passport copy (including the residence visa page for expatriates).
• Undated signed security cheque based on the approved credit limit.

Documents — Salaried Applicants

• Latest salary certificate issued within the last month.
• Pay slips (required only if salary variance exceeds 10%).
• Original bank statements for the latest three months, or mini ATM statements showing salary transfers.

Documents — Self-Employed Applicants

• Valid UAE Trade License.
• Memorandum of Association (MOA) or Power of Attorney.
• Original corporate bank statements covering the latest three months of business transactions.
• Terms and conditions apply and are subject to change without prior notice.

Overview

• Enjoy the MOST Rewarding Credit Card in Town!

Key Benefits

• Up to 4% Cashback on ALL SPENDS up to AED 750
• Instant Credit as Cashback or Miles!
• Complimentary access to 25+ regional and Middle Eastern airport lounges for the primary cardholder.
• Instalment Payment Plans: Split big purchases into easy instalments, with interest-free instalments for over 500+ popular merchants
• Loan on Card: Get 90% of your credit limit as instant loan
• Easy payback options: Convert outstanding balance to EMIs
• Earn up to 1 Skywards Mile per AED 1 spent if you switch your underlying loyalty engine to travel.
• Earnings are capped at a maximum of AED 750 in Cashback (or 5,000 Skywards Miles) per billing cycle.
• Pick up to 4 personalized target categories (e.g., Dining Out, Online Groceries, Streaming, or Fuel) via the app to heavily maximize your earning yields.
• Paperless application via the app with instant digital verification, immediately pushing the card to your digital wallet upon approval.

More Benefits

• Talabat: 20% off on 1 order per month
• VOX Cinemas: 2 tickets per month + 25% off on F&B
• Zee5: 25% off Mastercard Annual 4K Pack
• Express VPN: 30-day complimentary trial + Up to 51% off 12-month plan

Rates & Fees

• Free for Life.
• Monthly Interest Rate: 3.49%
• Late Payment Penalty Fee: AED 175 (+ 5% VAT)
• Overlimit Processing Fee: AED 279 (+ 5% VAT) per cycle
• International Transaction Fee: 1.99% cross-border fee (+ 1.15% Mastercard processing markup)
• Cash Advance Fee: 3% of the transaction or AED 99 (whichever is higher)

Eligibility

• Minimum 21 years old.
• Salaried individuals or self-employed business owners.
• Must be a resident of the UAE.
• Minimum Monthly Income: AED 5,000 (Must be verifiable and officially transferred to a UAE bank account).
• Credit Scoring: Subject to a clear credit review, requiring a passing credit score from the Al Etihad Credit Bureau (AECB).
• Debt Burden Ratio (DBR): Total monthly financial obligations (existing EMIs + the new card provisioning factor) must not exceed 50% of your total basic salary.

Documents Required

• Completed registration profile managed digitally inside the Liv X app.
• Clear scan of your original, valid physical Emirates ID (processed via smartphone NFC/camera scanner).
• Valid Passport photocopy displaying an active UAE residence visa page (for expatriates).
• Automated digital link to your salary account history or providing 3 months of original bank statements showing consistent monthly payroll deposits.

Documents — Salaried Applicants

• A certified digital or physical salary certificate issued within the past 30 days and the last 3 months of bank statements showing clear payroll history.

Documents — Self-Employed Applicants

• Valid UAE Trade License.
• Memorandum of Association (MOA)
• 3 to 6 months of corporate bank statements tracking active business revenue.
• Terms and conditions apply, subject to change without prior notice.
• All fees are exclusive of VAT. If VAT is applicable, it will be chargeable and payable in addition to, and at the same time, as the above-mentioned charges.

Key Benefits

• Earn a high 6% value back on all in-store and online Union Coop grocery transactions.
• Earn 2% cashback on domestic dining, cafes, food delivery apps, and gas station fuel refuels.
• Earn 1% cashback on standard domestic retail purchases, and 1% on international foreign currency spending.
• Total card reward earnings are capped at a maximum of AED 750 per month.
• Directly linked with the Union Coop Tamayaz program to automatically convert credit card rewards into grocery points.
• Earned cashback is dynamically calculated and pushed into your linked Tamayaz rewards account at the end of every billing cycle.
• Points track Union Coop’s standard rules and expire annually on December 31st if left unused.

More Benefits

• Get 2 discounted tickets per calendar month alongside a flat 25% off food and beverage combos at the counter.
• Receive a 20% discount voucher on one food or grocery delivery order every single month.
• Complimentary access to 25+ regional and Middle Eastern airport lounges for the primary cardholder via Mastercard.
• Access to unique buy-one-get-one-free coffee deals at over 50 boutique cafes across the UAE.
• Convert larger retail purchases into interest-free monthly timelines for a one-time processing fee of AED 49.

Rates & Fees

• Free for Life.
• Monthly Interest Rate: 3.49%
• Late Payment Penalty Fee: AED 175 (+ 5% VAT)
• Overlimit Processing Fee: AED 279 (+ 5% VAT) per cycle
• International Transaction Fee: 1.99% + standard Mastercard cross-border processing fees.

Eligibility

• Minimum 21 years old.
• Salaried individuals or self-employed business owners.
• Must be a resident of the UAE.
• Minimum Monthly Income: AED 5,000

Documents Required

• Full paperless digital registration via the Liv app utilizing your original Emirates ID scan and a smartphone camera selfie for liveness validation.
• Original Emirates ID and copy.
• Valid Passport copy (including residence visa page for expatriates).
• An undated signed security cheque aligned with your assigned credit limit.

Documents — Salaried Applicants

• A certified digital or physical salary certificate issued within the past 30 days and the last 3 months of bank statements showing clear payroll history.

Documents — Self-Employed Applicants

• Valid UAE Trade License.
• Memorandum of Association (MOA)
• 3 to 6 months of corporate bank statements tracking active business revenue.
• Terms and conditions apply, subject to change without prior notice.

Overview

• The Al Masraf Platinum Debit Card is a versatile purchase and ATM card that is automatically linked to your Al Masraf account, offering a blend of lifestyle rewards and global travel benefits.

Key Benefits

• Earn 1% cashback on all international retail and online purchases (capped at AED 1,000 monthly).
• 4 complimentary airport lounge access to over 1,200 airport lounges globally via the Mastercard Travel Pass app.
• “Buy 1 Get 1 Free” Pricelss Specials for fine dining and activities across the Middle East and Africa.
• Contactless: Up to AED 500 without PIN
• Digital wallets.

More Benefits

• Up to 15% discounts in Europe & MENA & 12% off in US/Canada. Upgrade (subject to availability).
• Get up to 20% off 3 rides every month.
• Free cash withdrawals from any ATM within the UAE.
• Get up to 30% off on top trending courses and 50% off on course of the month at Udemy.com.
• Up to 30% off on Cleartrip airline bookings and 10% cashback on Booking.com.
• Access to a free 2-year MyUS Premium membership and discounts on Farfetch.
• Coverage (theft or accidental damage) of USD 2,000 per claim, max cap of USD 5,000 over 12 month period.

Rates & Fees

• Free for life.

Eligibility

• UAE & Non-UAE Resident.
• Current/Savings AED Account holder.
• Corporate account holder.
• One primary card per account
• 21 years and above. For 18yrs+, internal legal approval would be required. No debit card will be issued for less than 18yrs.
• Supplementary debit card to be issued with bank required documentation

Documents Required

• Copy of Passport with valid Residency Visa (for expats).
• Original and copy of valid Emirates ID.
• Terms and conditions apply, subject to change without prior notice.

Overview

• The Ruya Standard Debit Card offers a simple and flexible banking solution with no fees and no complicated requirements, designed for everyday banking convenience.

Key Benefits

• No minimum salary requirement
• No salary transfer required
• No minimum balance requirement
• Zero issuance fee
• Free cheque book with current account

More Benefits

• Contactless Payments: Apple Pay/Google Pay ready for everyday transactions.
• Global Access: Can be used for international spending and ATM withdrawals.
• Mastercard Perks: As a Mastercard holder, users gain access to various brand discounts and offers.
• Instant Setup: Account can be opened digitally via the app in about 5 minutes.
• Unlimited Transactions: No hidden fees for standard day-to-day banking.
• Shari’ah-Compliant: The card and account follow ethical Islamic banking principles.

Rates & Fees

• No annual fee
• Free for life

Eligibility

• Minimum age: 18 years

Documents Required

• Copy of Emirates ID
• Valid passport and residence visa copy
• Address proof
• Bank statements showing three months of salary credits
• Terms and conditions apply. Fees and features are subject to change without prior notice.

Overview

• The Al Masraf World Elite is a premium credit card offering extensive rewards, travel benefits, and high-tier lifestyle privileges.
• Limited-Time International Cashback Offer
• 10% cashback on eligible international transactions.
• Earn up to AED 1,000 cashback.
• Valid on both international in-store and online purchases.
• Campaign valid until 20 September 2026.

Key Benefits

• Special offer until 15th June 2026: Free for Life (upon spending AED 10,000 per month) , Free 1st year without spending threshold.
• Rewards Points: 0.735 pts per 1 US$ – International spends; 0.735 pts per 1 US$ – Local spends; (Equivalent to %1 Cashback); NO MAX CAP
• 14 complimentary airport lounge access to over 1,200 airport lounges globally via the Mastercard Travel Pass app.
• 4 complimentary Careem airport rides per year within the UAE.
• 3 complimentary fast-track passes per year at participating airports via Travel Pass.
• 24/7 Global lifestyle managers service.
• “Buy 1 Get 1 Free” Pricelss Specials for fine dining and activities across the Middle East and Africa.
• Contactless: Up to AED 500 without PIN
• Digital wallets.

More Benefits

• Up to USD 500,000 travel insurance for emergency medical expenses, evacuation, and repatriation.
• Free Travel Insurance Letter – Schengen Visa.
• Carrefour Discount: Spend a minimum of AED 300 to get AED 60 off.
• Talabat: 20% on 1 food or grocery delivery orders per month.
• Costa (Dubai Airports): Up to 4 items from a pre-determined food/ drink list.
• Shahid: 50% off on VIP monthly package.
• Global Blue VIP Service for VAT reclaim.
• Cash advance limit 75%
• Up to 9 supplementary cards.
• Heathrow Express: 12% off on Express Class and Business First tickets between London Paddington and Heathrow Airport.
• Booking .com: 7% wallet credit on their next booking.
• GHA Discovery: 7% rewards on bookings. Complimentary daily breakfast. Early check-in & late check-out. Access to 800+ premium hotels globally.

Rates & Fees

• Free for the first year; up to AED 1000 (plus VAT) thereafter.

Eligibility

• A minimum salary of AED 50,000
• UAE Resident or UAE National.
• Minimum age 21
• Employed: Minimum 6 months of service with a confirmed employer.
• Self-employed: Minimum 2 years in operation with an average balance of over AED 50,000.

Documents Required

• Copy of Passport with valid Residency Visa (for expats).
• Original and copy of valid Emirates ID.
• Latest Salary Certificate (issued within the last 30 days).
• Last 2 to 6 months of bank statements showing salary credits to the same IBAN.
• Security Cheque (undated).
• Terms and conditions apply, subject to change without prior notice.

Overview

• Applications are restricted to salaried individuals only earning at least AED 5,000 per month, with all other profiles being automatically rejected.

Key Benefits

• 5% cashback on groceries.
• 5% cashback on dining out.
• 5% cashback on fashion spending.
• 3% cashback on spending abroad.
• Up to 1% cashback on all other spends

More Benefits

• 8 airport lounge visits a year and invite a guest 6 times a year.
• Airport Transfers: 1 per year with Careem.
• Travel Miles: FAB Rewards can be redeemed for travel.
• Travel insurance.
• 20% off on Dubai Holding attractions.
• 40% off Talabat on weekends.
• AED 40 off online Carrefour orders once per month (min. spend AED 250).
• 2 standard free movie tickets a month for AED 20 (based on a spend of 3k or over a month).
• 15% off Trip.com.
• Up to 40% off on flights and hotels via MyTrip.
• FAB mobile app with over 150 banking services at your fingertips.

Rates & Fees

• Annual fee AED 300 (exc. VAT).
• Finance charge: 3.99% per month.

Eligibility

• A minimum salary of AED 5,000.
• Minimum age 21.
• Minimum age for supplementary cards 12.
• Resident of UAE/UAE National.

Documents Required

• Copy of Emirates ID; Valid Passport & Residence Visa Copy.
• Address Proof.
• Bank Statements with Three Months Salary Credit.
• Note: Benefits are subject to the bank’s terms and conditions and may require minimum spends to activate certain lifestyle perks.
• There is a minimum spend criteria of AED 3,000 in the previous month to be eligible to earn FAB Rewards.
• Cashback will be processed in equivalent FAB Rewards, redeemable instantly on the FAB Mobile app.

Key Benefits

• 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.

Reward Features

• Earn up to 3.5 Miles per USD 1 equivalent retail spends as per below rates
• Spend Category Miles Earn Rates
• Spend at Emirates Airline 3.5 Skywards Miles
• International Spend* Up to 2 Skywards Miles
• Domestic Spend* Up to 1.5 Skywards Miles

Features & Benefits

• 4% cashback on all Supermarket & Grocery spends (maximum of AED 300 per month) *
• 4% cashback on all Fuel & Automobile spends (maximum of AED 300 per month) *
• 4% cashback on all School/Education payments (maximum of AED 300 per month) *
• 4% cashback on all Dining & Restaurant spends (maximum of AED 200 per month) *
• 4% cashback on all Utility payments (maximum of AED 100 per month) *
• Maximum monthly cashback cap of AED 1,000 per month *
• Withdraw 100% of your finance limit as cash
• Free grace period up to 55 days to repay your outstanding balance
• Four Free Supplementary cards

Features & Benefits

• Enjoy complimentary lounge access at an extensive network of airports across the Middle East.
• Enjoy access to premium health clubs in Dubai and Northern Emirates on a ‘pay-per-use’ basis at nominal fee
• Enjoy complimentary membership to a unique collection of offers, specially curated by Mastercard
• Enjoy hassle-free parking at participating locations in Dubai.
• Spend AED 100,000 or more on retail purchases during the year to qualify for a guaranteed Dubai Experience worth AED 750 or request for Bonus Mementos equivalent to the value of your total retail purchases
• Get more from life with a wide range of 200+ special deals and benefits from our premium partners, which encompass lifestyle, entertainment, shopping, dining, jewellery, wellness and more
• Enjoy 50% off Movie Tickets and snacks, in Cinemas across the UAE, all days of the week.
• Exclusive discount of up to 60% on selected Dubai Experiences
• Fraud Protection
• Credit Shield
• Accident Insurance
• Purchase protection
• Chip & PIN

Features & Benefits

• Immediate access to cash up to 100% of the credit limit, with first loan at 15% annual rate within 1 month of card approval (T&Cs Apply)
• Higher credit limit up to 6x of your monthly income or up to AED 175,000, which ever is lower
• Complimentary access to over 10 VIP lounges in Middle East and Africa
• Repay flexibly as per the monthly repayment schedule or repay all at once without any extra charge
• No Annual fee

Features & Benefits

• VIP Guest Status Over 900+ international properties to enjoy VIP guest status
• Supported by Apple Pay, Samsung Pay, Google Pay and Fitbit Pay
• Buy 1 Get 1 at Costa Coffee
• Dine and Fly With DragonPass* Enjoy exclusive discounts of up to 20% at over 200 airport restaurants around the world with DragonPass.
• 25% off for YQ’s Specialist Airport Assist Services* Ease your trip at 450+ destinations
• Medical and Travel Insurance*
• Visa Concierge Service*
• Buyers Protection*
• Control Your Card From the SC Mobile App and Online Banking

Overview

• The Al Masraf Platinum is a lifestyle-focused credit card offering a combination of daily rewards, travel benefits, and high-level security.
• Limited-Time International Cashback Offer
• 10% cashback on eligible international transactions.
• Earn up to AED 1,000 cashback.
• Valid on both international in-store and online purchases.
• Campaign valid until 20 September 2026.

Key Benefits

• Special offer until 15th June 2026: Free for Life (upon spending AED 2,000 per month) , Free 1st year without spending threshold.
• Rewards Points: 0.735 pts per 1 US$ – International spends; 0.735 pts per 1 US$ – Local spends; (Equivalent to %1 Cashback); NO MAX CAP
• 4 complimentary airport lounge access to over 1,200 airport lounges globally via the Mastercard Travel Pass app.
• “Buy 1 Get 1 Free” Priceless Specials for fine dining and activities across the Middle East and Africa.
• Contactless: Up to AED 500 without PIN
• Digital wallets.

More Benefits

• Talabat: 20% on 1 food or grocery delivery orders per month.
• Costa (Dubai Airports): Up to 2 items from a pre-determined food/ drink list.
• Shahid: 50% off on VIP monthly package.
• Cash advance limit 75%
• Up to 9 supplementary cards.
• Heathrow Express: 12% off on Express Class and Business First tickets between London Paddington and Heathrow Airport.
• Booking .com: 7% wallet credit on their next booking.

Rates & Fees

• Free for the 1st year; AED 150 thereafter (plus VAT).

Eligibility

• A minimum salary of AED 15,000
• UAE Resident or UAE National.
• Minimum age 21
• Employed: Minimum 6 months of service with a confirmed employer.
• Self-employed: Minimum 2 years in operation with an average balance of over AED 50,000.

Documents Required

• Copy of Passport with valid Residency Visa (for expats).
• Original and copy of valid Emirates ID.
• Latest Salary Certificate (issued within the last 30 days).
• Last 2 to 6 months of bank statements showing salary credits to the same IBAN.
• Security Cheque (undated).
• Terms and conditions apply, subject to change without prior notice.

Features & Benefits

• Up to AED 18,000 cashback per annum
• Earn 1 Skywards Miles per AED 1
• Free Airport Transfers
• Free Airport Lounge access
• Free Reel Cinema tickets every month
• Buy 1 get 1 free dining & lifestyle offers
• 10% off on Cleartrip flight booking
• 10% off on Hotels.com discount
• No annual fee
• Dining out discounts

Features & Benefits

• Access to the Membership Rewards® programme
• Access to Airport lounges across the Globe with Priority PassTM
• Exclusive offers brought to you by American Express® SelectsSM
• Comprehensive Travel Insurance. Your policy number is ‘AMEX19’
• No Pre-set Spending Limit*
• No interest charges
• Just pay off your balance in full each month

Features & Benefits

• Get rewarded for your local and international spend
• Enjoy upto 25% discount on select dining outlets across the UAE.​​
• The best and most flexible rewards program in the market gives the freedom to redeem your ADIB reward points for shopping vouchers or flights on any airline, to any destination, anytime.​
• Access to airport lounges across the GCC/MENA ​region

Features & Benefits

• Free for Life: No annual fees forever.
• Reward points for every dirham spent.
• Chip & Pin: Protection against fraud with the latest technology in card security.
• Free access to airport lounges in the Middle East.
• Spends of AED 2,000 using digital wallets (Apple Pay, Google Pay or Samsung Pay) before 10 July 2023
• No annual fees on primary card. Free supplementary card for family (age above 15 years).
• Reward points for every dirham spent.
• Get up to 10% Cashback on hotel bookings made through www.booking.com/mastercardmea.
• Get access to thousands of 2-for-1 offers across dining, fitness, beauty, hotels and attractions throughout Middle-East with Priceless Specials mobile app.
• Enjoy 10% off at Rentalcars.com when you rent a car online.
• Complimentary access to over 10 Marhaba and CAC Airport lounges in UAE, KSA, Jordan, Kuwait and Egypt through
• Complimentary access for cardholder only
• 50% discount on 2 cinema tickets at Novo cinemas per calendar month.
• (To avail the benefit calendar month spends of AED 2,000 are required)
• Credit Shield: Protect yourself and your family against unforeseen events and insure your credit card outstanding balance with CBD credit shield benefit by paying 1% monthly fee

Overview

• Applications are restricted to salaried individuals only earning at least AED 5,000 per month, with all other profiles being automatically rejected.

Key Benefits

• Up to 20% discount on dining out.
• 4 airport lounge visits a year.
• Get 20% off shopping on Namshi.com.
• 20,000 FAB Rewards monthly bonus on spending AED 10,000 or over each month.
• Local Spends: 5 FAB Rewards per AED 1 for online spending, 1 FAB Reward per AED 1 for all other spending.
• International Spends: 1 FAB Reward per AED 1 for international spending.

More Benefits

• Travel Miles: FAB Rewards can be redeemed for travel.
• 4 standard free movie tickets a month for AED 20 (based on a spend of 3k or over a month).
• 20% off UAE attractions: Wild Wadi, The Green Planet, Dubai Parks and Resorts, The View Palm, Dubai Aquarium and Underwater Zoo, KidZania, Dubai Ice Rink and more.
• FAB mobile app with over 150 banking services at your fingertips.

Rates & Fees

• No Annual fees.
• Finance Charge: 3.99% per month.

Eligibility

• A minimum salary of AED 5,000
• Minimum age 21.

Documents Required

• Copy of Emirates ID; Valid Passport & Residence Visa Copy.
• Address Proof.
• Bank Statements with three Months Salary Credits.
• Note: Benefits are subject to the bank’s terms and conditions and may require minimum spends to activate certain lifestyle perks.

Overview

• Enjoy everyday lifestyle benefits and use the Smiles app for unique awarding & redemption options

Features & Benefits

• 10 Smiles per AED on spending on Etisalat Spends, Smiles App elGrocer
• Up to 3 Smiles per AED on International Spends
• Up to 2 Smiles per AED on International Spends
• 15,000 Smiles on achieving a cumulative spend of AED 55,000 in a quarter
• Points Redemption: Etisalat bill payments, Food delivery, Airline tickets, Shopping vouchers, Discount voucher, Electronics and lot more
• Smiles points, Unique Smiles and CBD deals, Etisalat bill payment, Lounge access, 50% off on Cinema

Joining Offer

• 100,000 smile points on min. spending criteria till 31st March 2024
• Affordabel, smart living, everyday convenience

Features & Benefits

• Successfully apply for a Visa Infinite credit card and enjoy AED 1000 cashback when you spend a min of AED 10,000.
• Enjoy 2 Rewards Points for every USD 1 spent internationally*
• Get 1 Rewards Point for every USD 1 spent locally
• Receive 2% of your Rewards Points balance as cashback, when you book with any airline.
• Priority access to airport lounges
• Unlimited Fitness First access
• Complimentary round of golf every month

Overview

• Emirates Islamic Etihad Guest Platinum Credit Card

Key Benefits

• Earn Etihad Guest Miles
• Up to 2 Etihad Guest Miles per USD spent.
• Earn Accelerated Etihad Guest Miles
• 2 Etihad Guest Miles per USD spent on Online & Mobile Wallet transactions.
• 10% Etihad Guest Miles Back
• Unlimited 10% miles back on booking/upgrading a flight with Etihad Guest Miles.
• Complimentary Inflight Wifi vouchers
• Enjoy 2 complimentary Wi-Fi vouchers per annum
• Etihad Guest Miles
• Welcome Bonus
• Welcome bonus of 5,000 Etihad Guest Miles upon payment of Annual Membership Fee.
• Etihad Guest Earn Rates
• For every USD 1 retail spend made using your Emirates Islamic Etihad Guest Card you will earn Etihad Guest Miles as per below.
• Spend Category Earn Rates
• Spend at Etihad Airline 2 Etihad Guest Miles
• International Spend 1.5 Etihad Guest Miles
• On Mobile Wallet and Online Transactions 2 Etihad Guest Miles
• Domestic Spend Up to 1 Etihad Guest Miles

Etihad Guest Benefits

• Unlimited 10% Miles back on booking/upgrading a flight with Etihad Guest Miles
• 0% Easy Payment Plan on Etihad purchases
• Complimentary Inflight wifi vouchers

Additional Privileges

• Earn 50% cashback on Movies
• Extended Warranty
• Global Assistance
• Purchase Protection
• Balance Transfer Facility
• Cash Advance
• Luxury Hotel Collection

Salary Requirement

• 5,000 AED For UAE Nationals
• 5,000 AED For Expats

Features & Benefits

• No annual fee for first year, AED 550 from 2nd year onwards.
• Use your Platinum Life card to buy a movie ticket at select cinemas in the UAE, and get the second one absolutely FREE
• Every time you use your Platinum Life card for retail purchases, you earn 1 Dubai Dinar per Dirham spent. You can redeem your rewards against Gift Vouchers from leading brands, shopping malls, utilities and online transactions.
• Earn 1% cash back every time you top-up your NOL Card on a minimum spend of AED 100 at RTA per calendar month.
• Balance Transfer
• Loan on Phone
• Easy Purchase Plan
• Fraud Protection
• Accident Insurance

Features & Benefits

• 10% savings at Dubai Duty Free
• Chances to win raffle entries into the ‘Millennium Millionaire’ and ‘Finest Surprise’ each month
• Exclusive offers brought to you by American Express SelectsSM
• Retail protection Insurance. Your policy number is ‘AMEX18’
• Entry to the DDF raffle draw for a chance to win a ticket for the ‘Millennium Millionaire’ or the ‘Finest Surprise’ draws**
• Comprehensive Retail Insurance for up to AED 1,500

Features & Benefits

• Get an AED 1,100 Shopping Credit* when you apply via our digital application.
• Apply now and receive an AED 900 Welcome Credit* when you spend AED 37,000.
• Receive an AED 1,100 Annual Travel Credit*.
• Complimentary Airport Lounge access for you and your Supplementary Cardmember at over 1,300 Lounges globally.
• No Pre-Set Spending Limit**.
• Complimentary enrolment to Membership Rewards® where your spends earn you points that never expire.
• Complimentary enrolment to leading hotel loyalty programmes.
• ‘Platinum Experiences’ on shopping, entertainment, dining and wellness.
• Worldwide comprehensive travel and retail insurances.
• Dedicated Platinum Services, 24/7.

Overview

• The Al Masraf World is a premium credit card designed for high-value rewards on travel and lifestyle spending.
• Limited-Time International Cashback Offer
• 10% cashback on eligible international transactions.
• Earn up to AED 1,000 cashback.
• Valid on both international in-store and online purchases.
• Campaign valid until 20 September 2026.

Key Benefits

• Special offer until 15th June 2026: Free for Life (upon spending AED 5,000 per month) , Free 1st year without spending threshold.
• Rewards Points: 0.735 pts per 1 US$ – International spends; 0.735 pts per 1 US$ – Local spends; (Equivalent to %1 Cashback); NO MAX CAP
• 8 complimentary airport lounge access to over 1,200 airport lounges globally via the Mastercard Travel Pass app.
• 1 complimentary Careem airport rides per year within the UAE.
• 3 complimentary fast-track passes per year at participating airports via Travel Pass.
• “Buy 1 Get 1 Free” Pricelss Specials for fine dining and activities across the Middle East and Africa.
• Contactless: Up to AED 500 without PIN
• Digital wallets.

More Benefits

• Up to USD 500,000 travel insurance for emergency medical expenses, evacuation, and repatriation.
• Free Travel Insurance Letter – Schengen Visa.
• Carrefour Discount: Spend a minimum of AED 250 to get AED 40 off.
• Talabat: 20% on 1 food or grocery delivery orders per month.
• Costa (Dubai Airports): Up to 2 items from a pre-determined food/ drink list.
• Shahid: 50% off on VIP monthly package.
• Global Blue VIP Service for VAT reclaim.
• Cash advance limit 75%
• Up to 9 supplementary cards.
• Heathrow Express: 12% off on Express Class and Business First tickets between London Paddington and Heathrow Airport.
• Booking.com: 7% wallet credit on their next booking.

Rates & Fees

• Free for the 1st year; AED 550 thereafter (plus VAT).

Eligibility

• A minimum salary of AED 30,000
• UAE Resident or UAE National.
• Minimum age 21
• Employed: Minimum 6 months of service with a confirmed employer.
• Self-employed: Minimum 2 years in operation with an average balance of over AED 50,000.

Documents Required

• Copy of Passport with valid Residency Visa (for expats).
• Original and copy of valid Emirates ID.
• Latest Salary Certificate (issued within the last 30 days).
• Last 2 to 6 months of bank statements showing salary credits to the same IBAN.
• Security Cheque (undated).
• Terms and conditions apply, subject to change without prior notice.