best travel credit card in uae

The best travel credit cards in the UAE for air miles, hotel deals and more

By Keith J Fernandez

Tapping your credit card for convenience reasons alone is now an unforgivable missed opportunity. For several years now, UAE residents have been able to collect points on credit card spending for redemption against discounts on movies and dining, as well as cashback against fuel or retail purchases. But inveterate travellers know that credit cards can be used to turn everyday expenses into unforgettable getaways, and taking out the right credit card means that every dirham you spend can be redeemed against airline tickets, hotel stays or other incentives. 

Common features of travel credit cards in the UAE

Before signing on the dotted line, it’s worth taking a look at some common benefits that travel credit cards offer in the UAE. You’ll most commonly be eligible for the following – often without spending a dirham. Make sure to ask about these perks:

Welcome gift

Most travel credit cards offer reward points or miles as a sign-on bonus.

No annual fee

Another sign-on incentive, annual fees are typically waived for the first year. Some cards will carry this annual waiver forward if you spend a certain amount on your card each year.

Free access to airport lounges

The best credit cards offer a set number of complimentary visits to airport lounges , usually in the UAE, but sometimes in other countries. So if your flight is delayed – or you’ve somehow whizzed through check-in – you can relax with a nice, cold glass of something calming.

Supplementary credit cards

Typically, cardholders can sign up for a specified number of supplementary cards. These usually don’t cost more, and the overall credit limit doesn’t change. You should be able to set the spending limit on each add-on credit card.

Travel insurance

Some travel credit card issuers provide free travel accident insurance cover to the cardholder as well as compensation for the missed or delayed flights and lost luggage.

Golf benefits

Tee fees may be waived a couple of times a year for travel credit cardholders at specific golf courses in the UAE. 

Other benefits

Travel credit cards in the UAE may also provide benefits such as discount coupons for dining, complimentary movie tickets, concierge services, valet parking, purchase protection, et cetera.

The best travel credit cards in the UAE

There are a broad range of travel-friendly credit cards available in the UAE and we’ve researched the pros and cons, so you don’t have to. Here’s a shortlist of some of the most useful. Most are available in a number of variations aimed at different income levels.

Emirates Citibank Ultima Credit Card

Touted as being made of metal for the primary account holder, the best thing about this Citibank credit card is actually that you earn one Skywards mile on every $1 spent within the UAE. That rises to 1.5 Skywards miles for every dollar spent on foreign exchange and 2.5 Skywards miles on every dollar spent at Emirates.com. Once your application is approved, you receive a welcome bonus of 25,000 Skywards miles, and an additional 10,000 Skywards miles when you pay the $817 (Dh3,000) annual membership fee each year. Other benefits include two complimentary bookings with the airport concierge service, Marhaba, and up to six Careem airport car transfers (up to $30 each) and valet parking services. Are you eligible? You’ll need to be a UAE resident and earn a minimum monthly salary of $10,000 (Dh36,750).

Emirates NBD dnata Platinum Credit Card

Nothing less than the best for you? Emirates NBD may have just the ticket for you. As one of the most flexible credit cards, it carries straightforward discounts on airline tickets, holiday packages and dining in the UAE, as well as offering the bank’s Credit Shield Pro life and job loss insurance policy. In addition, there’s unlimited complimentary airport lounge access to more than 25 regional and international airports. Finally, it’s one of the cheaper credit cards, at $143 (Dh525) per year. As an introductory offer, the bank is advertising up to $272 (Dh1,000) in travel vouchers on its website. Are you eligible? UAE residents will need to earn at least $2,180 (Dh8,000) to apply for the card.

ADIB Etihad Guest Gold Card

High-flyers based in Abu Dhabi may want to consider ADIB’s co-branded cards with Etihad airways. They range from classic to platinum, each with a different eligibility profile. For example, the ADIB Etihad Guest Gold Card offers a substantial welcome bonus of 35,000 Guest miles. On international expenses, it provides 1.5 air miles for every $1.10 (Dh4) spent, or one air mile per $1.10 on domestic transactions. Other features include a coveted companion Etihad Airways ticket voucher when you spend $40,840 (Dh150,000) or more on your card, a high cash withdrawal limit and access to 850 VIP airport lounges globally (complimentary twice a year).

Are you eligible? ADIB doesn’t list the minimum salary requirement on its website, but the financial services comparison website, Policybazaar.ae, states that it’s a minimum of $1,361 (Dh5,000) per month.

HSBC Platinum Select Credit Card

Hate paying annual fees? You’re in luck with HSBC, which gives you Air Miles every time you spend on one of its credit cards. These can be traded in for free tickets (including the taxes) in any class. There are no blackout dates, so if there’s a seat available on the flight, you can book it through the Air Miles travel shop. Other features include discounts on restaurants with the discount app, Entertainer, as well as discounts on airlines such as British Airways. 

Are you eligible? To apply, you’ll need to live in the UAE and transfer at least $2,723 (Dh10,000) a month into an HSBC Personal Banking Account.

First Abu Dhabi Bank Infinite Travel Card

True globetrotters may want to pick a credit card that doesn’t limit your booking options to a single airline or hotel brand. FAB’s Infinite Travel card offers a choice of more than 800 airlines, and more than 500,000 hotels and car rentals for redemption against FAB miles. Partner programmes include Emirates Skywards, KLM-Air France’s Flying Blue, Avianca LifeMiles, Turkish Airlines Miles & Smiles, Club Vistara, Jumeirah One and IHG Rewards. You get 1.5 FAB miles on each dollar spent on retail purchases anywhere, and 2 miles for each dollar spent on travel. Redemption and payments all happen within the FAB Miles mobile app. Besides a welcome travel voucher of $408 (Dh1,500) on activating your card, other benefits include one complimentary hotel night for every three paid nights, complimentary access to more than 1,000 airport lounges globally for the cardholder and one guest, up to eight airport transfers a year within the UAE and up to six airport transfers capped at $25 per ride with Uber internationally.

Are you eligible? Bank account holders will need to earn at least $8,168 (Dh30,000) to apply.

What to consider before taking a travel credit card in the UAE

With the UAE’s tax-free salaries, many expats are spoilt for choice when it comes to being eligible for travel credit cards. But enticing as accruing air miles sounds, there’s always a caveat: you may well spend more than you intended in pursuit of your travel goal and sometimes you might be better off just buying the ticket directly. Paying your monthly statement in full can help you stay financially healthy, but you’ll also want to take a closer look at yearly fees, annual interest rates, and the complexity of each rewards programme before signing up for any credit card. Some rewards are widely advertised but notoriously expensive to cash in on so ask your friends and colleagues for their experiences. It’s also worth considering what’s more important to you: lounge access or hotel discounts? And do you really need to transfer your salary to the bank? No travel friendly credit card will offer the best of all its features, so decide what’s most important to you before making a final decision.

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Free hotel stays and flights, beach, pool and gym access, airline upgrades and spa treatments await with these UAE credit cards

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It’s no secret the UAE is a nation obsessed with travel – be it back to residents’ homelands, escaping the summer heat, enjoying one of the many public holidays, or making the most of its position in the centre of the world – and award-winning airlines and airports. A travel credit card is a fantastic way to earn points on day-to-day purchases and use them towards free hotel stays and flights or room or cabin class upgrades, all while enjoying perks like lounge access, valet service, discounts and complimentary golf. From cards with 50% off beach and pool days to free hotel nights every year, here are the best credit cards in the UAE for travellers for February 2024.

Credit cards in the UAE for travellers

Marriott bonvoy world mastercard from emirates nbd.

Cost per year : AED1,575 Minimum salary requirement:  AED25,000 Apply now :  emiratesnbd.com

Another one of the best credit cards in the UAE for travellers and hotel lovers is Emirates NBD’s Marriott Bonvoy World Mastercard, allowing cardholders access to Marriott’s incredible global portfolio of properties – which includes brands like EDITION, Ritz-Carlton, St Regis and JW Marriott. The card allows holders to earn up to 150,000 bonus points, enjoy free night stays at more than 8,100 hotels worldwide and enjoy room upgrades, free flights, VIP experiences and more. Holders of this UAE credit card will be automatically upgraded to Marriot Bonvoy Gold Elite status – which gives a multitude of benefits like 25% more points, room upgrades and 2pm late check out – and have VIP access to Marriott Bonvoy moments and receive one free night’s hotel stay when renewing their card. Airport lounge access to more than 1,000 cities in 300 countries, complimentary UAE golf across, the chance to transfer points to over 40 airlines and 6 points per US$1   spent at hotels participating in Marriott Bonvoy are all top perks of this UAE credit card.

ALL – ADCB Signature Credit Card

Cost per year : AED1,050 Minimum salary requirement:  AED20,000 Apply now :  adcb.com

Launched in 2022, ADCB’s ALL Signature Credit Card was highly anticipated, giving users a chance to earn coveted points to use at one of the region’s most prolific and dynamic hotel groups, Accor. Partnering with Accor’s loyalty programme, ALL, the credit card allows you to acquire points to redeem on hotel stays, along with getting automatic discounts just for being a card member – like 50% off beach, pool and gym passes at select Accor hotels in the UAE, 35% off all-inclusive beach access at select Rixos resorts in the UAE, 25% off spa treatments at UAE Accor hotels and fast-track upgrade to Gold status, and $50 f&b credit and late check-in and check-out during hotel stays. A free night’s stay is also awarded to the cardholder after each annual renewal. With Accor brands including Raffles , Fairmont , Sofitel, Rixos, SO/ and M Gallery, this is, perhaps, the best credit card in the UAE for hotel and staycation lovers. Hotel and lifestyle perks aside, the card gives you two reward points per US$ spend at UAE Accor hotels, two reward points per US$ on all international spends and one reward point per US$ on all domestic spend. A special promotion with a 2,5000 bonus rewards point is also available – comprising 7,500 for applying, 10,000 as an introductory offer, and 7,500 when you spend AED20,000 in the first 90 days.

RAKBANK Emirates Skywards World Elite Mastercard

Cost per year : AED1,499 Minimum salary requirement:  AED25,000 Apply now :  rakbank.ae

RAKBANK’s Emirates Skywards World Elite Mastercard allows new cardholders to earn up to 20,000 bonus Skywards Miles and 40,000 Skywards points per month. The card launched in 2021 and is one of the newer co-branded Emirates Skywards credit cards around, which means its perks are incredibly attractive. 

Top perks include an automatic upgrade to Emirates Skywards Silver tier status (and a fast-track to Gold by moving AED 500,000 into a RAKBANK Emirates Skywards Savings Account (more than AED 500,000 deposited will also earn Skywards Miles). Cardholders will also get unlimited access for themselves and one guest per visit to over 1,000 airport lounges across the world – 450 cities and 135 countries. 

Cardholders will also be enrolled in GHA’s Discovery Titanium Membership which grants access to exclusive benefits across the world, including guaranteed room availability for bookings up to 48 hours before arrival, room upgrades, early check-in and late check-out. Other perks include complimentary airport pick up and drop off, cinema tickets and discounts,  hotel discounts  and many more. A supplementary credit card is also available for AED999 annually with Silver tier membership and AED200 without.

Emirates NBD Etihad Guest Inspire Credit Card

Annual fee: AED727 Minimum monthly salary: AED15,000 Get it now:  emiratesnbd.com

An affordable and hard-working Etihad Guest credit card , Emirates NBD’s Inspire card gives you up to 60,000 in bonus miles throughout the year (along with a 40,000 welcome bonus if hitting the card’s spending requirements). Cardholders will earn up to seven Etihad Guest Miles for every AED10 spent and have fast-track to Silver Tier upon completing one return flight with Etihad. Other perks include 10% back on purchases made with Etihad Airways (flights, extras, upgrades, in-flight services), and a 25% discount voucher on redeeming miles. Outside of flying, cardholders can enjoy buy-one-get-one-free on movie tickets at Vox Cinemas, complimentary inter-city airport transfers, lounge access to over 1,000 airports and golf and concierge benefits

Alhilal Etihad Guest Signature Credit Card

Annual fee: AED1,050 Minimum monthly salary: AED8,000 Get it now:  alhilalbank.ae

Coming in an attractive brushed silver, Alhilal’sEtihad Guest Signature Credit Card is a great fuss-free Etihad Guest credit card with low annual fees and an approachable minimum monthly salary. New cardholders will get 40,000 Etihad Guest miles as a welcome bonus, 5,000 quarterly bonus miles when spending AED37,000 on the card and 20,000-anniversary bonus miles for every subsequent year or subscription on payment of the annual fee.

Points aside, this is a great card for lifestyle, with unlimited airport lounge access and two complimentary airport transfers per year, plus up to 25% back on hotels and restaurants, buy one, get one free on the Entertainer app and a discount at various golf clubs across the world. Fast-track Gold status is also available, with instant Gold status granted when completing two economy return flights or one business class return flight in the first six months of card membership.

Emirates Citibank Ultimate Credit Card

Cost per year : AED800  Minimum salary requirement:  AED18,000 Apply now :  citibank.ae

Citibank’s Ultimate Credit Card, in partnership with Emirates, allows users to enjoy the benefits of the card an approachable fee of AED800 per year. Users can earn 1 Skyward Miles per US$1 of local spend and a slightly higher 1.25 Skyward Miles per US$1 on non-AED spend. A great addition to the card is unlimited complimentary access to 1,100+ airport lounges worldwide (including one guest free per visit), a free round of  golf in the UAE  once a month and dining and entertainment discounts locally and across 95 countries. Right now, the card is offering AED800 joining bonus back as statement credit when meeting the mimumum spend.

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Choose from 200+ Credit Cards

Whether you're looking for credit cards with airmiles benefits or two-for-one on entertainment, then look no further. We compare over 200 cards to find you the right one. We have cards that offer rewards and cashback, and even some with free airport lounge access and travel benefits. Enter your requirements below and find the best card for you.

Liv - World Credit Card

Features: cash back, discounts / vouchers / offers, balance transfer, airport lounge access, cinema offers, free supplementary cards, online banking, travel benefits, free bank account, introductory offers, no salary transfer, offers, discounts.

Liv - Platinum Credit Card

Features: cash back, discounts / vouchers / offers, airport lounge access, cinema offers, online banking, travel benefits, free bank account, introductory offers, no salary transfer, discounts.

ADCB - talabat Credit Card

Features: cash back, introductory offers, free for life, no salary transfer, discounts, joining bonus.

CBD - Smiles Platinum

Features: discounts / vouchers / offers, airport lounge access, cinema offers, free supplementary cards, no salary transfer.

Emirates Islamic - Skywards Signature Credit Card

Features: cash back, islamic finance, sharia compliant, air miles, airport lounge access, golf benefits, travel benefits, no salary transfer, valet parking.

Emirates NBD - Go4it Gold Credit Card

Features: cash back, discounts / vouchers / offers, cinema offers, no salary transfer.

CBD - Visa Infinite Credit Card

Features: airport lounge access, golf benefits, no salary transfer, valet parking, travel insurance.

ADCB - TouchPoints Platinum Credit Card

Features: cash back, discounts / vouchers / offers, balance transfer, air miles, airport lounge access, cinema offers, golf benefits, no salary transfer.

Emirates Islamic - RTA Card

Features: cash back, discounts / vouchers / offers, balance transfer, islamic finance, no salary transfer.

ADCB Lulu Platinum Credit Card

Features: airport lounge access, no salary transfer, compare credit cards.

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• Interest Rates - Is the rate communicated by a monthly interest rate or an annual rate? Rates may also vary according to your monthly salary, your place of employment or whether you’re already a customer of the bank
• Salary requirement – what is the minimum salary requirement? You need to identify which cards you’re eligible for and then compare the rates, fees and other benefits accordingly
• Foreign currency rate – if you travel frequently, work out how much you will pay on top of the transaction amount if transactions are made in a foreign currency? Each time you make a transaction on your credit card outside of the UAE, banks will charge you a fee as a percentage of your spend
• Annual fee – Even if a bank advertises no annual fee, make sure a fee is not applicable from the second year onwards
• Other applicable fees and charges – for late payments for example
• Benefits – consider the benefits provided such as air miles, airport lounge access, discounts on hotels and car hire or cash back

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How to Maximize Your Holiday with the Best Travel Credit Cards in UAE 2023

The UAE is well-known for its love of travel, whether visiting one’s homeland, escaping the summer heat, or taking advantage of the country’s central location with easy access to the rest of the world.

A travel credit card is a must-have to enhance your travel experiences and earn exciting rewards. This post will cover the Best Travel Credit Cards in UAE to maximize your holiday and reduce expenses with many rewards and benefits.

These cards offer fantastic opportunities to earn points on everyday purchases, which can be redeemed for free hotel stays, flights, room upgrades, and more.

Additionally, they provide exclusive perks such as lounge access, valet service, discounts, and complimentary golf.

Here is the list of the Best Travel Credit Cards in UAE

1. marriott bonvoy world mastercard from emirates nbd.

• Annual Cost: AED1,575  
• Minimum Salary Requirement: AED25,000 Per Month

Experience the world-class hospitality of Marriott’s renowned properties, including EDITION, Ritz-Carlton, St Regis, and JW Marriott, with the Emirates NBD’s Marriott Bonvoy World Mastercard.

This card allows you to earn up to 150,000 bonus points and enjoy complimentary nights at over 8,100 hotels worldwide. Expect exceptional benefits like room upgrades, free flights, VIP experiences, and automatic Marriot Bonvoy Gold Elite status.

As a cardholder, you’ll also have access to exclusive Marriott Bonvoy moments and receive a complimentary hotel stay upon renewal. The card offers airport lounge access, complimentary UAE golf, and the ability to transfer points to over 40 airlines, making it a perfect choice for travelers seeking luxury and convenience.

2. ALL – ADCB Signature Credit Card

• Annual Cost: AED1,050
• Minimum Salary Requirement: AED20,000 Per Month

Launched in 2022, the ADCB ALL Signature Credit Card is an exciting addition to the UAE’s credit card offerings. Partnering with Accor’s loyalty program, ALL, this card allows you to earn points for stays at Accor hotels.

As a card member, you’ll enjoy a range of benefits, including 50% off beach, pool, and gym access at select Accor hotels in the UAE, 35% off all-inclusive beach access at select Rixos resorts, and 25% off spa treatments at UAE Accor hotels.

The card also grants a fast-track upgrade to Gold status, $50 F&B credit, and late check-in/out perks.

With brands like Raffles, Fairmont, Sofitel, and M Gallery under its umbrella, this card is a dream for hotel enthusiasts.

Earn two reward points per US$ spent at UAE Accor hotels, two reward points per US$ on international spending, and one reward point per US$ of domestic expenditure.

Take advantage of the special promotion offering 2,500 bonus rewards points, including a welcome bonus and spending rewards.

3. RAKBANK Emirates Skywards World Elite Mastercard

• Annual Cost: AED1,499

For those seeking exclusive benefits and remarkable travel opportunities, the RAKBANK Emirates Skywards World Elite Mastercard stands out. New cardholders can earn up to 20,000 bonus Skywards Miles and 40,000 Skywards points monthly.

Enjoy an automatic upgrade to Emirates Skywards Silver tier status and fast-track to Gold by moving AED500,000 into a RAKBANK Emirates Skywards Savings Account.

Experience unlimited access to over 1,000 airport lounges worldwide for yourself and a guest. The card also provides GHA’s Discovery Titanium Membership, offering guaranteed room availability, upgrades, and early check-in/late check-out privileges.

Complimentary airport pick-up and drop-off, cinema tickets, hotel discounts, and exclusive perks are included.

Additionally, you can opt for a supplementary credit card for AED999 annually, which comes with a silver tier membership.

4. Emirates NBD Etihad Guest Inspire Credit Card

• Annual Fee: AED727
• Minimum Monthly Salary: AED15,000 Per Month

Emirates NBD’s Inspire card offers unbeatable value and benefits for Etihad Guest members. Earn up to 60,000 bonus miles annually, including a great welcome bonus of 40000 miles when spending meets the card’s requirements.

Benefit from up to seven Etihad guests for every AED10 spent and enjoy fast-track Silver Tier status upon completing one return flight with Etihad. Use perks such as 10% back on purchases made with Etihad Airways, 25% discount vouchers on mile redemptions, and buy-one-get-one-free movie tickets at Vox Cinemas. The card also provides:

• Complimentary inter-city airport transfers.
• Lounge access to over 1,000 airports.
• Various golf and concierge benefits.

5. Alhilal Etihad Guest Signature Credit Card

• Annual Fee: AED1,050
• Minimum Monthly Salary: AED8,000 Per Month

Alhilal’s Etihad Guest Signature Credit Card offers an array of rewards with low annual fees and an affordable monthly salary requirement.

As a new cardholder, you’ll receive a welcome bonus of 40,000 Etihad Guest miles quarterly and anniversary bonus miles.

Enjoy unlimited access to airport lounges and two complimentary airport transfers per year.

Avail up to 25% discounts on hotels and restaurants, buy-one-get-one-free Entertainer app deals, and golf club discounts worldwide.

Fast-track Gold status is available by completing specified flights within the first six months of card membership.

6. Emirates Citibank Ultimate Credit Card

• Annual Cost: AED800
• Minimum Salary Requirement: AED18,000 Per Month

Enhance your travel experiences with the Emirates Citibank Ultimate Credit Card, offering exceptional rewards at an affordable annual fee.

Earn 1 Skyward Mile per US$1 of local spend and 1.25 Skyward Miles per US$1 on non-AED spend.

Benefit from unlimited complimentary access to 1,100+ airport lounges worldwide and a free round of golf in the UAE every month.

Additionally, enjoy dining and entertainment discounts locally and internationally. Currently, the card offers an AED800 joining bonus as a statement credit when the minimum spending requirement is met.

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Conclusion:

With the best travel credit cards in the UAE, you can take your travel experiences to new heights. From earning and redeeming points for hotel stays and flights to enjoying exclusive benefits like lounge access and discounts, these cards offer exceptional rewards for the avid traveller.

Choose the card that best suits your needs and preferences to unlock a world of unparalleled journey rewards. Embark on your next adventure and make the most of your travels with these top-rated credit cards in the UAE.

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5 Best Travel Cards for Dubai

Getting an international travel card before you travel to Dubai can make it cheaper and more convenient when you spend in United Arab Emirates Dirham. You'll be able to easily top up your card in USD before you leave the US, to convert seamlessly to AED for secure and flexible spending and withdrawals.

This guide walks through our picks of the best travel cards available for anyone from the US heading to Dubai, like Wise or Revolut. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

5 best travel money cards for Dubai:

Let's kick off our roundup of the best travel cards for Dubai with a head to head comparison on important features. Here's an overview of the providers we've picked to look at, for customers looking for ways to spend conveniently overseas when travelling from the US:

Each of the international travel cards we’ve picked out have their own features and fees, which may mean they suit different customer needs. Keep reading to learn more about the features, advantages and disadvantages of each - plus a look at how to order the travel card of your choice before you head off to Dubai.

Wise travel card

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in Dubai. Wise accounts can hold 40+ currencies, so you can top up in USD easily from your bank or using your card. Whenever you travel, to Dubai or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

In either case you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in AED, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Wise features

Wise travel card pros and cons.

• Hold and exchange 40+ currencies with the mid-market rate
• Spend seamlessly in AED when you travel
• Some free ATM withdrawals every month, for those times only cash will do
• Ways to receive payments to your Wise account conveniently
• Manage your account and card from your phone
• 9 USD delivery fee for your first card
• ATM fees apply once you've exhausted your monthly free withdrawals
• Physical cards may take 14 - 21 days to arrive

How to apply for a Wise card

Here’s how to apply for a Wise account and order a Wise  travel card in the US:

Open the Wise app or desktop site

Select Register and confirm you want to open a personal account

Register with your email, Facebook, Apple or Google ID

Upload your ID document to complete the verification step

Tap the Cards tab to order your card

Pay the one time 9 USD fee, confirm your mailing address, and your card will be on the way, and should arrive in 14 - 21 days

Revolut travel card

Choose a Revolut account, from the Standard plan which has no monthly fee, to higher tier options which have monthly charges but unlock extra features and benefits. All accounts come with a smart Revolut card you can use in Dubai, with some no fee ATM withdrawals and currency conversion monthly, depending on the plan you pick. Use your Revolut account to hold and exchange 25+ currencies, and get extras like account options for under 18s, budgeting tools and more.

Revolut features

Revolut travel card pros and cons.

• Pick the Revolut account plan that suits your spending needs
• Hold and exchange 25+ currencies, and spend in 150 countries
• Accounts come with different card types, depending on which you select
• All accounts have some no fee currency exchange and some no fee ATM withdrawals monthly
• Some account tiers have travel perks like complimentary or discounted lounge access
• You need to upgrade to an account with a monthly fee to get all account features
• Delivery fees may apply for your travel card
• Fair usage limits apply once you exhaust your currency conversion and ATM no fee allowances
• Out of hours currency conversion has additional fees

How to apply for a Revolut card

Set up your Revolut account before you leave the US and order your travel card. Here’s how:

Download and open the Revolut app

Register by adding your personal and contact information

Follow the prompts to confirm your address and order your card

Pay any required delivery fee - costs depend on your account type

Chime travel card

Use your Chime account and card to spend in Dubai with no foreign transaction fee. You’ll just need to load a balance in USD and then the money is converted to AED instantly with the Visa rate whenever you spend or make a withdrawal. There’s a fee to make an ATM withdrawal out of network, which sits at 2.5 USD, but there are very few other costs to worry about. Plus you can get lots of extra services from Chime if you need them, such as ways to save.

Chime features

Chime travel card pros and cons.

• No Chime foreign transaction fees
• No ongoing charges for your account
• Lots of extra products and services if you need them
• Easy ways to manage your money online and in app
• Virtual cards available
• You'll need to inform Chime you're traveling to use your card abroad
• Low ATM limits
• Cards take 7 - 10 days to arrive by mail

How to apply for a Chime card

Here’s how to apply for a Chime account and order a travel card in the US:

Visit the Chime website or download the app

Click Get started and add your personal details

Add a balance

Your card will be delivered in the mail and you can use your virtual card instantly

Monzo travel card

Monzo cards can be ordered easily in the US and used for spending in Dubai and globally. Monzo accounts are designed for holding USD only - but you can spend in AED and pretty much any other currency easily, with no foreign transaction fee. Your funds are just converted using the network exchange rate whenever you pay or make a withdrawal.

Monzo doesn’t usually apply ATM fees, but it’s worth knowing that the operator of the specific ATM you pick may have their own costs you’ll need to check out.

Monzo features

Monzo travel card pros and cons.

• Good selection of services available
• No foreign transaction fee to pay
• No Monzo ATM fee to pay
• Manage your card from your phone conveniently
• Deposits are FDIC protected
• You can't hold a foreign currency balance
• ATM operators might apply their own fees

How to apply for a Monzo card

Here’s how to apply for a Monzo account and order a travel card in the US:

Visit the Monzo website or download the app

Click Get Sign up and add your personal details

Check and confirm your mailing address and your card will be delivered in the mail

Netspend travel card

Netspend has a selection of prepaid debit cards you can use for spending securely in Dubai. While these cards don’t usually let you hold a balance in AED, they’re popular with travelers as they’re not linked to your regular checking account. That increases security overseas - plus, Netspend offers virtual cards you can use to hide your physical card details from retailers if you want to.

The options with Netspend vary a lot depending on the card you pick. Usually you can top up digitally or in cash in USD and then spend overseas with a fixed foreign transaction fee applying every time you spend in a foreign currency. You’ll be able to view the terms and conditions of your specific card - including the fees - online, by entering the code you’ll find when your card is sent to you.

Netspend features

Netspend travel card pros and cons.

• Large selection of different card options depending on your needs
• Some cards have no overseas ATM fees
• Prepaid card which is secure to use overseas
• Manage your account in app
• Change from one card plan to another if you need to
• You may pay a monthly fee for your card
• Some cards have foreign transaction fees for all overseas use, which can be around 4%
• Selection of fees apply depending on the card you pick

How to apply for a Netspend card

Here’s how to apply for a Netspend account and order a travel card in the US:

Visit the Netspend website

Click Apply now

Complete the details, following the onscreen prompts

Get verified

Your card will arrive by mail - add a balance and activate it to get started

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your United States Dollar everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

They all have distinct benefits when you head off to Dubai or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app or on the web.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to Dubai. While each travel card is a little different, you'll usually find some or all of the following benefits:

• Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
• Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
• You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
• Travel cards are secure as they're not linked to your everyday USD account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for Dubai

We've picked out 5 great travel cards available in the US - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for Dubai include:

• What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
• What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
• Does the card support a good range of currencies? Getting a card which allows you to hold and spend in AED can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
• Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences.

What makes a good travel card for Dubai

The best travel debit card for Dubai really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it’s the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you’re paying when you spend in AED.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It’s also important to look into the security features of any travel card you might pick for Dubai. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

For Dubai in particular, choosing a card which offers contactless payments and which is compatible with mobile wallets like Apple Pay could be a good plan. Card payments are extremely popular in Dubai - so having a card which lets you tap and pay easily can speed things up and make it more convenient during your trip.

Ways to pay in Dubai

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In Dubai card payments are common in most situations. You’ll be able to make Chip and PIN or contactless payments or use your favourite mobile wallet like Apple Pay to tap and pay on the go. It’s still worth having a little cash on you just in case - and for the odd situations where cash is more convenient, such as when tipping or buying a small item in a market.

Which countries use AED?

If you have AED, you should be able to use it in a few countries. You may decide to keep your travel card topped up with a balance for this trip to Dubai or for the next time you’re headed somewhere which uses AED.

What should you be aware of when travelling to Dubai

You’re sure to have a great time in Dubai - but whenever you’re travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you’re been to Dubai before it’s worth looking up the most recent entry requirements so you don’t have any hassle on the border

2. Plan your currency exchange and payment methods - you can change USD to AED before you travel to Dubai if you’d like to, but as card payments are common, and ATMs widely available, you can actually leave it until you arrive to get everything sorted as long as you have a travel money card. Top up your travel money card in USD and either exchange to AED in advance or at the point of payment, and make ATM withdrawals whenever you need cash. Bear in mind that currency exchange at the airport will be expensive - so hold on until you reach Dubai to make an ATM withdrawal in AED if you can.

3. Get clued up on any health or safety concerns - get travel insurance before you leave the US so you have peace of mind. It’s also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don’t offer fair prices or adequate services.

Conclusion - Best travel cards for Dubai

Ultimately the best travel card for your trip to Dubai will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

FAQ - best travel cards for Dubai

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards - like the Wise and Revolut card options - have some no fee ATM withdrawals every month, which can help keep down costs.

Travel money cards may be debit, prepaid or credit cards. Which is best for you will depend on your personal preferences. Debit and prepaid cards are usually pretty cheap and secure to spend with, while credit cards may have higher fees but often come with extra perks like free travel insurance and extra reward points.

There’s no single best prepaid card for international use. Look out for one which supports a large range of currencies, with good exchange rates and low fees. This guide can help you compare some popular options, including Wise, Revolut and Monzo.

Yes, you can use your local debit card when you’re overseas. However, it’s common to find extra fees apply when spending in foreign currencies with a regular debit card. These can include foreign transaction fees and international ATM charges.

Usually having a selection of ways to pay - including a travel card, your credit or debit card, and some cash - is the best bet. That means that no matter what happens, you have an alternative payment method you can use conveniently.

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others like Wise and Revolut, let you make some no fee withdrawals monthly before a fee kicks in.

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in Dubai.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their USD / AED rate to calculate how much United Arab Emirates Dirham you would receive when exchanging / spending $4,000 USD. The card provider offering the most AED is displayed at the top, the next highest below that, and so on.

The rates were collected at 15:54:21 GMT on 19 February 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

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Compare Top Credit Cards in UAE 2024 - Annual Fees & Key Benefits

Here's the best cashback credit card for you.

A cashback credit card online with automatic cashback on every purchase, no annual fee for the first year, no minimum spend required, less documentation & many more offers

List of Credit Cards in UAE

Minimum Salary

Interest Rate

Loan Amount

Reducing Rate

Select Bank

Interest/Profit Rate

Required Minimum Salary

• Citi Cashback Credit Card

• Enjoy automatic Cashback on all spend with the Citi Cashback Credit Card
• Earn 3% cashback on non-AED spend, 2% cashback on grocery & supermarket spend and 1% on all other spend. No caps (up to monthly credit limit) , no minimum spend, no redemption process and no spend categories excluded.
• No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
• Earn 3% cashback on non-AED spend, 2% cashback on grocery & supermarket spend and 1% on all other spend. No caps (up to monthly credit limit) , no minimum spend, no redemption process and no spend categories excluded.
• 2 complimentary airport rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app.
• Unlimited access to 1100+ lounges worldwide with MasterCard Travel Pass app.
• Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
• Fast, safe and effortless purchases, with Apple Pay
• PayLite: turn any big purchases into small payments
• Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

View details on bank page

FAB Visa Platinum Credit Card

• Get 1.75 Stars on 1 AED
• Discounts on movie tickets
• Complimentary offers at fitness clubs
• Discounts on movies at Reel Cinemas, VOX Cinemas etc.
• Provides pickup and drop facility at the airport
• Can get free access to airport lounges in the Middle East region
• The interest of cash advance will be charged at 3.5% per month until 23 January 2023 & from 24th January 2023 onwards 3.99% per month will be charged. The interest on Retail purchases will be charged at 3.75% per month until 23 January 2023 & from 24th January 2023 onwards 3.85% per month will be charged.
• Minimum salary of AED 8000 is required
• Zero annual fees
• Get Buy 1 Get 1 free offer on movie tickets at VOX Cinemas on tickets booked online using FAB Platinum Visa card
• Can get 4 (per month) movie tickets for the lowest price of AED 15(on weekdays) - AED 20(on weekends) at Reel Cinemas, Cine Royal, and Oscar Cinemas
• Pay only AED 30 on each visit to Fitness First Clubs (Maximum 4 visits per month)
• Free travel insurance is provided on tickets booked using FAB Platinum Visa Card
• Can get 2 free airport transfer services per annum
• Get reward stars on every dirham spent
• Can earn 1.75 stars on every dirham spent on international expenses and 1 Star on every AED spent on local expenses
• Can redeem stars for Lifestyle benefits, Dining, Etihad Guest Miles, Skyward Miles and much more
• Starting from September 2022 annual fee will be applicable to all Platinum credit cardholders.
• The annual fee is waived with a minimum annual spend of AED 18000.
• With salary transfer, AED 200 annual fee is charged.
• Without salary transfer, AED 300 annual fee is charged.
• Earn up to 3 FAB rewards on every AED 1 spent.
• Emirates NBD Titanium Credit Card

• 40% off at golf clubs
• 30% off on dining
• 3%-7% off on air tickets & hotel bookings
• Your Emirates NBD MasterCard Titanium Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
• Enjoy instant access to up to 50% of your credit limit as cash with your Emirates NBD MasterCard Titanium Credit Card.
• Protect plus insurance.
• Enjoy and avail The Emirates NBD Installment plan.
• Enjoy paying Utility bill using various options.
• Get unlimited lounge access across middle east.
• Avail options like Instant cash, Credit shield and free 24/7 roadside assistance.
• The Forex rate stands at 1.99%
• You can avail an interest free period of up to 55 days. You need to pay a minimum amount of 5% of the outstanding balance or AED 100, whichever is higher.
• You need to have a minimum salary of AED 5000 to avail this card.
• You can transfer your balance at the rate 0.8%, with a choice of 3 to 36 months.
• The annual fee of this card is AED 420.
• Get up to 40% discount at 100 Golf courses worldwide.
• Your Titanium Card provides the most convenient option for RTA Salik Auto top up.
• Up to 30% off at over 2000 restaurants across the UAE.
• Get 3% discount on air tickets and up to 10% discount on holiday packages through the Emirates NBD Travel Desk.
• For every AED 100 retail spend on your card, you will earn 1 Plus Points.
• Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt.
• MasterCard buy 1 get 1 offers.
• 15% off any order when you shop online with MarkaVIP across Saudi Arabia, UAE, Jordan, Lebanon, Qatar, Kuwait, Oman and Bahrain.
• Card fraud protection.
• Emirates NBD Credit Card offers the New Credit Shield Pro feature includes - 0.99% on monthly fee on outstanding balance - Each cardholder can get decease cover up to AED 300,000 - In case of hospitalization get AED 100 pay out per day. T&Cs apply - Can get job loss cover up to AED 60,000 up to 1 year or re-employment
• Plus points can be redeemed for cashback.
• Earn 1 plus point for every AED 100 spend.
• You can redeem your points with various merchants like supermarkets, cashback, frequent flyer miles etc.
• CBD Super Saver Credit Card

• 10% Cashback
• 2 free valet parking
• 50% OFF at VOX Cinemas
• Both UAE nationals and expats are eligible
• Avail cashback on purchases made using the card
• Get lifestyle benefits and complimentary lounge access.
• The interest rate of 3.85% is charged
• The minimum salary required for the month is AED 5000
• Get free for the first year on an annual fee and from the second year onwards AED 420 including VAT.
• Earn 10% cashback on retail categories like bills, supermarkets, education, and transport
• Can get 50% OFF on ticket bookings made at Vox, or Reel Cinemas
• Enjoy the complimentary airport lounges across the world at more than 1,000 airports.
• Enjoy complimentary valet parking across 30 locations.
• Get Your travel Insurance with Multi-trip travel insurance with coverage of up to USD 500,000
• Enjoy the benefits of a 0% Easy Payment Plan, Balance Transfer & Quick Cash at competitive prices.

Standard Chartered Mastercard Platinum Card

• 1%-2% cashback on local & international expenses
• 20% discounted Careem rides 3/month
• Free airport lounge access
• Get up to 1-2% cashback on expenses
• Discount on careem rides
• Offers at Costa Coffee
• Free access to airport lounges
• Interest rate of 3.45% is charged
• A minimum income of AED 5000 is required per month
• For the first year there is no annual fee charged. From the second year AED 525 is charged as annual fee.
• 0% interest rate and 0% processing fee on balance transfer
• Unlimited complimentary access to over 20 local and international lounges
• Buy 1 coffee and at Costa Coffee and Get 1 free by paying the bill with your Platinum Credit Card
• Enjoy three 20% discounted Careem rides per month
• Get discounts at hotels.com
• Get 30% OFF on travel bookings made on cleartrip
• Get USD 50 off on expedia.com on making for flight tickets and hotel bookings
• Get 1% cashback on domestic expenses
• Get 2% cashback on international expenses
• ADIB Etihad Guest Visa Platinum Card

• High benefits for travelers
• Get guest miles
• Free companion ticket
• You can avail 4 supplementary cards with this card.
• Convenience to make your card payments in any of ADIB branches.
• Get instant SMS updates.
• High earning rewards program.
• This is an Islamic card.
• This card avails salary transfers.
• Get preferred rates from ADIB travel desk for airlines
• The Forex rate on this card is 2.3%
• Get a free grace period of 55 days to repay your outstanding balance.
• You can balance your transfer at the rate of 3% or AED 300.
• You need to pay an annual fee of AED 2000 to avail this card.
• You can receive service from ADIB travel desk
• You can redeem your Etihad guest miles for House Furnishing, Travel Bookings, Electronics and Gifts for Friends and Family.
• You can withdraw 100% of your finance limit for your need of cash.
• Avail advance technology of chip and pin for safe transactions.
• Free companion ticket voucher, which is not available on any other card.
• Fast track to Etihad guest gold tier.
• Free airport lounge access via lounge key.
• Valet parking at select locations.
• Free roadside assistance.
• Earn a welcome bonus of 50,000 Etihad guest miles.
• Receive 3 Guest mile up to 4 AED spent internationally.
• Receive up to 2.2 guest miles for every 4 AED spent on local transactions.
• You can even pay for your ADIB Etihad Guest covered card’s annual fees using 60,600 Etihad guest miles.
• HSBC Platinum Select Credit Card

• 1 air mile on 4 AED spent
• Buy 1 get 1 free offers
• Discounts at vox cinemas
• This card is recognized over 32 million establishments.
• This card offers you benefits home and abroad.
• This card offers you a team of financial advisers and helps you achieve your financial goals.
• This bank offers you an instant credit card with an instant approval.
• This card also provides an instant limit approval.
• This card also offers 24 hour delivery of your card.
• Avail Flexi plus installment program with which you can avail 0% installment plans for purchases.
• The Forex rate stands at 2%
• You get an interest free period of up to 56 days.
• You require a minimum salary of AED 10,000 to be eligible for this card.
• You can transfer your balance at the rate of 0% for 6 months. There is a processing fee of 2.99% or AED 200, whichever is higher.
• There is no annual fee for this card. Note: Beginning from 15th November 2022, the Annual Percentage Rate on outstanding purchases and cash withdrawals on all HSBC credit cards will increase to 44.28%.
• Avail 10% discount in on British Airways fares for flights from UAE to UK, Europe, USA and Canada.
• Access HSBC mobile app for more discounts and offers.
• Get exclusive offers on dining and shopping at 19000 outlets in 160 countries.
• Buy one get one free offers at VOX cinemas with this card.
• Enjoy 200 offers on Golf access programs across the MENA region.
• Avail purchase protection and extended warranty with this card.
• Avail Credit shield plus with this card.
• Avail supplementary cards with this card.
• Also avail Valet parking with this card.
• Enjoy airport dining at over 200 locations with this card and with the partnership of Dragonfly.
• Get up to AED 400 welcome bonus cashback on applying & Offer is valid only for primary cards. T&Cs Apply. The offer is valid up to 30 September 2023.
• Get up to 1 airmile for every AED 4 spent

Emirates NBD Manchester United Credit Card

• Emirates NBD Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
• Enjoy instant cash option up to 50%.
• The Emirates NBD Installment plan.
• SMS alerts.
• Emirates NBD DoubleSecure.
• Free 24/7 roadside assistance.
• Your Emirates NBD Credit Card gives you a maximum of 55 interest-free days, provided you continue to pay your outstanding balance in full, by the due date.
• You need a minimum salary of AED 5000 to avail this card.
• You can transfer balance at the rate of 0.8%, with a choice of 3 to 36 months.
• Access to business facilities—email, Internet, phones, fax machines, and conference space in some lounges.
• unlimited airport lounges access at airport lounges across the Middle East.
• Up to 30% at over 2,000 restaurants across the UAE, Middle East and Europe.
• 10% Discount on total bill at Red Café, Old Trafford.
• 20% Discount on Manchester United Stadium and Museum tour.
• Receive your memorable welcome gift a Manchester United Home Jersey, by simply spending AED 2000, within the first 30 days.
• Receive an exclusive Manchester United 'RED Box' filled with official Manchester United merchandise, by simply spending AED 6000 in the first 6 months.
• Enjoy double rewards on all your international purchases.
• Emirates NBD Credit Card offers the New Credit Shield Pro feature includes -0.99% on monthly fee on outstanding balance -Each card holder can get decease cover up to AED 300,000 -In case of hospitalization get AED 100 pay out per day. T&Cs apply -Can get job loss cover up to AED 60,000 up to 1 year or re-employment
• You can earn 1 red point for every AED spent on retail purchases.
• You can earn double rewards on all your international purchases.
• You can earn 5 times the rewards on all dining.
• You can earn 10 times rewards on sports apparels, accessories from leading sports good stores in UAE. Convert Red Points into shopping rewards.

United Arab Bank Infinite Card

• Get 1% cashback on purchases
• An interest rate of 2.79% of the balance utilized will be charged
• A minimum income of AED 40,000 is required per month
• Earn high rewards on every transaction made
• Get lifestyle, travel benefits
• No annual fees for a year. From second year AED 1500 is charged
• Free access to airport lounges anywhere in the world
• Get complimentary travel insurance
• Special discount on bookings made through hotelclub.com
• Get Harrods Rewards Black-tier card for free

Dubai Islamic Bank Prime Classic Credit Card

• Earn 1 wala rewards for every 1 AED spent
• No annual fees
• 80% cash withdrawal limit
• This card is an Islamic card.
• This card caters to your financial needs like no other card.
• This card comes with modern day convenience.
• This card comes with worldwide acceptance.
• The forex rate stands at 2.26% for this card.
• The repayment period is 20 days from the date of statement.
• This bank provides the facility to transfer the balances of any other card to this card. This facility can be availed through Al Islami Online Banking, Al Islami Mobile Banking, and through Express Banking Terminals. 80% of the cash limit or 100% of the available cash limit can be used for balance transfer facility. A customer can do multiple balance transfer transactions with this card. For balance transfer, you can do a minimum amount of AED 100 and maximum amount of AED 2,50,000.
• There is no annual fee on this card.
• You can redeem Wala's payments for Utility bills and get 2% back.
• You can automatically get enrolled into roadside assistance with this card.
• You can keep the membership card handy, and avail the roadside assistance service when you feel like throughout the week.
• Avail personal accident cover, abd get yourself and your family protected.
• This card comes with 0% interest to pay.
• Get travel insurance along with your air ticket.
• You can also avail credit shield (Takaful) with this card.
• Avail card protection plus to protect your card from any misuse.
• With Wala reward system, you will get 0.50% of your spends, which can be redeemed for hotel bookings, flights, electronics, household and utility payments.

What is a Credit Card?

Credit Cards need no introduction. Almost everyone has availed the benefits of using a Credit Card at least once in their lifetime. For those who haven’t, Credit Cards allow you to purchase goods or services on credit for a small fee. It is an alternative for cash and enables you to carry out internet-based and shop-based transactions with ease. UAE also offers Shariah compliant Credit Cards based on ‘Bai Inah’, ‘Wadiah’ and ‘Qardhul Hassan’.

The high-cost of living in UAE makes Credit Cards a must-have financial tool in every household. Credit cards have become a lifestyle necessity for people in the UAE. With an increase in usage of credit cards and healthy competition, banks have started offering bundles of benefits and amazing credit card offers in uae with each card for specific purposes. You can compare credit cards with the benefits, features, eligibility, etc. You can find the best credit card in UAE and apply credit card online in the UAE easily.

Best Credit Cards in the UAE ( )

Cashback credit cards.

• Standard Chartered Platinum Card

Rewards Credit Cards

• Standard Chartered Manhattan Rewards+ Credit Card
• ADIB Value+ Card

Movie Credit Cards

• Mashreq Platinum Elite Credit Card
• Emirates Islamic Etihad Guest Saqer Credit Card

Travel Credit Cards

• FAB Platinum Credit Card

1. Citi Cashback Credit Card

Citibank bank provides automatic cashback on all spends. There is no maximum limit cap to avail of cashback (up to monthly credit limit). This is the best credit card in Dubai & UAE for frequent shoppers.;

Citi Cashback Credit Card comes with perks such as:

• 3% cashback on non-AED spend.
• 2% cashback on grocery & supermarket spend
• 1% cashback on every dirham spent in UAE
• Unlimited Global Airport lounge access
• Instant cash loan & Easy installment plan

Fees and charges on Citi Cashback Credit Card

• No Annual Fee for First Year
• Minimum salary AED 8000

Good for : Shoppers who use a credit card on every purchase

2. Standard Chartered Platinum Card 

Standard Chartered bank Platinum Card provides unparalleled offers. This is most useful for people who use their credit card on daily basis for grocery shopping, school fees, dining, and entertainment. 

Standard Chartered Platinum Card comes with the perks such as:

• Cashback of 1% on Domestic Purchases
• Cashback of 2% on International Purchases
• Three 20% discounted Careem rides per month
• Get balance transfer for 0% interest rate

Fees and charges for the Platinum card

• Annual fee AED 525
• Minimum salary AED 5000 

Good for: Frequent shoppers. Can save up to AED 18,000 per annum on using Standard Chartered Platinum Credit Card.

3. CBD Super Saver Credit Card 

As the name suggests, CBD super saver is one of the best credit cards in Dubai that help in saving on every purchase made using the credit card.

Offers provided on CBD Super Saver card are

• Provides up to 10% cashback on retail spendings
• 50% OFF can be availed at VOX Cinemas
• Get 2 free valet parking services

Fees and Charges

• Minimum salary AED 5000
• Annual fees AED 420 (first year free)

Good for:  Frequent shoppers who are looking for cashback card and uses a credit card on monthly regular expenses

4. Standard Chartered Manhattan Rewards+ Credit Card 

Standard Chartered Bank Manhattan Rewards+ Card provides high rewards on every purchase made using the card. This is most useful for people who use their credit card on daily basis for shopping and dining. 

Standard Chartered Manhattan Rewards+ comes with benefits such as: 

• Get AED 500 Amazon Gift Card as Welcome Bonus 
• Buy 1 Get 1 Free on Movie Tickets
• Earn One 360° reward point per 1 USD spent anywhere
• Redeem rewards to travel miles and hotel loyalty programs
• Get free access to 1000+ airport lounges
• Get 20% Off on dining
• Get 50% Off on second popcorn at Movies
• Avail Buy 1 Get 1 Free offer at Costa Coffee
• Annual fee AED 0 (first year)
• Minimum salary AED 10,000

Good for: Frequent shoppers. Can save high on reward points and discounts.  

5. ADIB Value+ Card 

ADIB Value+ Card offers rewards on purchases made using the card. It offers rewards that can be redeemed on shopping, travel, etc. 

ADIB Value+ Card contains offers such as 

• Can get high offers at selected restaurants 
• Can get 2 reward points of every 1 AED spent 
• Access to airport lounges 
• Cash withdrawal of 100% credit limit  
• Minimum salary of AED 5000
• Annual fees AED 0

Good for: Frequent card users. Can redeem reward points and save a lot of money. 

6. Emirates NBD Titanium Credit Card

The Emirates NBD titanium credit card offers a range of discounts on lifestyle expenses. The card provides the best rewards for all your domestic and international retail spends. This card is known for the "Plus Points" provided. 

The benefits of Emirates NBD Titanium Card are:

• 40% discount at over 100 golf courses worldwide.
• Discounts on air tickets and holiday packages.
• Redeemable vouchers for every AED 100 retail spend on your card, you will earn 1 Plus Points.
• Airport lounge access.

Fees and charges for the Titanium Credit Card

• Annual fee AED 400

Good for: Retail shoppers and travelers. Can save up to AED 300 on your monthly spendings.  

7. Mashreq Platinum Elite Credit Card 

If you are a request moviegoer then this is the card for you. Mashreq offers an exclusive credit card for movie lovers.

Mashreq Platinum Elite Credit Card contains offers such as

• Get 50% discount on movie tickets
• Free worldwide access to airport lounges.
• Free access to airport lounges in the Middle East
• Get up to AED 2000 joining bonus with Platinum Elite Credit Card.
• Get Pay to protect insurance on your card
• Get Mashreq Salaam Rewards by spending and earning using your credit card
• Enjoy the freedom to buy now & pay later with easy payment plan
• Get complimentary access to Fitness First for up to eight visits every month.

Fees and charges of the Platinum Elite Credit Card

• Annual fee for Primary Card: AED 650
• Minimum salary AED 7000

Good for: Movie lovers. Can save 50% on your monthly movie expenses

8. Emirates Islamic Etihad Guest Saqer Credit Card

Emirates Islamic Bank offers a wide range of credit cards which provide great deals to the customers. Emirates Islamic Cardholders can enjoy exclusive the best offers and dining discount deals locally and internationally.

Below is a list of offers provided by Emirates Islamic Etihad Guest Saqer Credit Card.

• Earn 50% cashback on Movies & save upto 75 AED for a month.
• Welcome Bonus Promotion get up to 110,000 Etihad Guest Bonus Miles
• Get up to AED 899 cashback as a welcome bonus
• Card holders can avail two free wifi vouchers every membership year.
• Unlimited 20% Etihad Guest Miles Back on upgrading/booking a flight
• Card holders can enjoy a free valet parking facility once in a calendar month.
• If you have Etihad Guest Membership then you can get Emirates Islamic Etihad Guest Saqer Credit Card
• Can earn Etihad Guest Miles up to 3 miles per USD spent
• Get Etihad Guest Silver Tier Status
• 20% Etihad Guest Miles Back
• Unlimited 20% miles back on booking/upgrading a flight with Etihad Guest Miles.
• Complimentary Airport Transfers
• 0% Easy Payment Plan on Etihad purchases
• Complimentary golf any day of the week
• Complimentary Valet Parking
• Multi trip travel Insurance

Fees and charges of the Emirates Islamic Etihad Guest Saqer Credit Card

• Annual fee : AED 943.95

Good for: Movie Lovers, Frequent flyers. Can save on your monthly movie expenses.

9. ADIB Etihad Guest Visa Platinum Card 

If you are a frequent traveler then this ADIB Etihad Guest Visa Platinum Card is the card for you. ADIB has made sure it covers every single corner and provide the best basket of an offer for the travelers.

ADIB Etihad Guest Visa Platinum Card contains offers such as

• 50,000 Etihad Guest miles upon joining.
• On international non-AED transactions, you will receive 3 Etihad Guest miles for every AED 4 equivalent spent and 2.2 Guest miles per every AED 4 spent locally.
• Free companion ticket.
• Valet parking at selected locations in the UAE
• Free roadside assistance 24/7 across the UAE

Fees and charges of the Etihad visa platinum card

• Annual fee AED 2000

Good for: Frequent flyers. Can save on your companion’s travel ticket.

10. HSBC Platinum Select Credit Card 

HSBC Platinum Select credit card provides you with all the global benefits that HSBC offer without the need to open a bank account with. It provides travel benefits on every AED spent.

Benefits on HSBC Platinum Select Credit Card are

• 30% off at selected restaurants
• 15% off on careem rides
• Buy 1 Get 1 free on movie tickets in the UAE
• Earn 1 Air Mile for every AED 4 spent on the card

Fees and charges for the Platinum Select credit card

• No Annual Fees

Good for: Frequent moviegoers, diners, travelers and careem riders.

11. FAB Platinum Credit Card

FAB Platinum Visa provides a wide range of lifestyle privileges and discounts in UAE and throughout the world. It provides FAB Stars on every AED spent and high travel benefits as well. 

Some of the features of FAB Platinum card are:

• Earn up to 3 FAB Stars for every AED 1 spent.
• Movie tickets at AED 15
• Lifestyle benefits including discounts on movies & access to fitness clubs.
• Travel benefits including Meet & Greet, airport transportation & lounge access
• Complimentary travel insurance on purchasing tickets using the card.

Fees and charges for the Platinum credit card

• Annual fee AED 0
• Minimum salary AED 8000

Good for: Frequent moviegoers and travelers looking for 0 annual fees card.

How to apply for a Credit Card?

• Pick the best benefit you are looking for a credit card in UAE like, cashback, rewards, travel miles, shopping or dining discounts, etc.
• Check the eligibility criteria for the card
• Fill the application form or visit the bank website to apply for the credit card online in UAE

Credit Card Eligibility

• Applicant must be at least 21 years old
• Minimum salary of AED 5000 is required
• UAE residents are eligible

Features of Credit Cards

Over the years, Credit Cards have evolved to suit each of your spending needs. Some highlights are:

• Rewards: Credit Cards provide high reward points on everyday spendings. These rewards can be redeemed for shopping, dining and much more.
• Cashback: Most of the banks in UAE offer cashback on every dirham spent using the card.
• Cash on Card: Credit Cardholders can avail a loan against their cards on nominal charges.
• Easy Installment Plan: Can convert regular payments to EIP on low/no interest rates.
• Annual fees: Some cards charge an annual fee or joining fee which is very nominal.
• Discounts: Most cards offer discounts at restaurants, online shopping etc.
• Utility Bills: Pay utility bills and earn cashback or rewards on it.
• Insurance: Can avail travel insurance, purchase protection, etc., on purchases made using the card.
• Cashless Transaction: No need to carry cash around. Credit Cards offer cashless transactions eliminating the need to safeguard bundles of cash.
• A great tool for exigencies, especially when you run out of cash.

Different types of Credit Cards

Credit Card companies recognize your needs and offer cards well-suited to your spending habits. This has led to a plethora of cards available in the market in UAE. Let’s look at some variants available:

• Dining Credit Card: A foodie’s delight. These cards offer discounts at participating restaurants making your dinner outings lighter on your pocket.
• Travel Credit Card: Bitten by the travel bug? This is the card for you. It offers a host of benefits when you travel like free miles, free night stays at partner hotels, discounts on car rentals and many such benefits.
• Islamic Credit Card: These cards are compliant with the Shariah laws and are free from any Riba (interest) or Gharar (uncertainty).
• Insurance Credit Card: These cards are specifically designed to provide an insurance cover in exigencies. They offer benefits like Takaful insurance or personal accident cover.
• Student Credit Card: These cards offer discounts on school fees or cash backs along with the other benefits of a Credit Card. As a parent, this can be a huge relief considering the ever-increasing cost of education.
• Fuel Credit Card: These cards offer exclusive discounts at petrol pumps. Some of them also offer a range of free services like road assistance, discounts on International driving license, etc.
• Reward and Cashback Credit Card: Every time you spend on your card, these cards offer a small percentage of it back. A Reward card provides points which can be redeemed on specific products/services. A Cashback card converts a small percentage of your spending into cash and credits it back to your Credit Card account.
• Grocery Credit Card: Time to go grocery shopping but miss the haggling with the roadside vendor? The Grocery card offers special rewards and discounts at different grocery store chains.

Credit Card fees and charges

There is a growing concern about various fees charged by Credit Card companies. While some of these are unavoidable, being meticulous with your finances can help avoid most of these charges. Here is a look at a majority of those fees:

• Annual Fee : charged annually for the primary card.
• Supplementary card annual fee : charged annually for all supplementary cards.
• Retail Interest : interest charged on the purchases made using the Credit Card
• Cash Advance Interest : interest charged on cash withdrawn using the Credit Card
• Cash Advance Fee : fee charged for availing cash advance on your Credit Card
• Late Payment fee : charges applicable if you do not pay your bills in time.
• Over Limit Fee : in case your spending + interest exceeds the prescribed limit.
• Card Replacement Fee : in case you want to replace your existing card.
• International Transaction Fee : for use in foreign currencies.
• Credit Shield : a cover to help you pay back the balance if you are unable to do so due to disability or death. This is provided on a monthly fee.

How to choose a credit card?

Credit cards can be of great financial assistance if rightly chosen and used. There are various uses of a credit card right from cashback, travel offers, rewards, to Easy Payment Plans and much more. Choosing a credit card can be tough if you are not clear about your requirements.

• Spending Pattern : Understand your spending habits like on what you spend the most. Some cards provide high cashback at hypermarkets while some provide rewards on travel portals. So if you are frequent travel then get a card that can earn you travel rewards. Else get a cashback card for your frequent purchases.
• Minimum spending : Most of the credit cards in UAE have high benefits on it. But these offers and benefits can be utilized only after a minimum spending is made on the card.
• Credit Limit : Maximum Credit limit provided is chosen by the banks depending on the person’s liability. If you exceed the credit limit banks charge over-limit charges. So make sure you get a right credit limit according to your spendings.
• Fees and Charges : There are several charges associated on a card. Like annual fees, joining fees, interest rates, etc. Most of the cards are provided on low/no additional fees initially. So get a complete picture of fees and charges.

Documents Required for applying for Credit Card

While every bank may have its own set of documentations required to approve an application for a Credit Card, below is a list of basic documents needed:

• Salary Certificate not more than 30 days old (for salaried individuals)
• Income details (for self-employed individuals)
• Bank Statements
• Valid Passport
• Valid UAE ID

You must ensure that these documents are available with you before you approach a bank for a Credit Card. Apart from these, banks may choose to ask for more documents to ascertain your credit viability.

Credit Card Usage Tips

• Understand the working of a credit card before getting one.
• Get a perfect credit card according to your spending habits.
• Make use of the rewards earned before the expiry date.
• Take advantage of the discounts and features of your card while making purchases.
• Pay credit card bill in full to avoid additional fees and charges.
• Contact your bank immediately if your card has been stolen or if you suspect misuse of any sort. Timely action can save you thousands of Dirhams.
• Don’t be reckless in your spending because you can always pay later. Beware of the debt-trap.
• Don't use more than 30% of the credit limit assigned.
• Don’t make purchases for the case of rewards.
• Don’t delay your payments – avoid additional charges.
• Avoid cash withdrawal using a credit card.
• Don’t share your card details, passwords, PINs with anyone and ensure that your cards are kept secure always.

Remember, Credit Cards can be your best friends or worst enemies. They are financial tools designed to make life easier if used correctly. With an increase in the number of spending avenues due to growing number of shops online, you must exercise optimum control on your spending to make the best of this tool.

Frequently Asked Questions

⭐ is cashback provided on every credit card.

A. No, not all the credit cards have cash back facility. Please read the features and benefits on the card before you opt one.

⭐ Can i get a credit card without income proof?

A. Income proof is a mandatory document if you apply for a credit card in UAE.

⭐ What is the maximum credit limit provided on the credit card?

A. The maximum credit limit depends on the applicant’s minimum salary.

⭐ Can I withdraw cash from my credit card?

A. Yes, you can withdraw cash using your credit card but some withdrawal fees are charged.

⭐ Are there any credit cards with no annual fees?

A. Yes, there are several banks providing credit cards on no annual fees lifelong.

⭐ Can I transfer my existing card balance to a new credit card?

A. Yes, you can transfer your existing credit card balance to a new credit card, if the bank approves.

⭐ Do all the credit cards provide travel benefits?

A. No, there are specific credit cards with wide range of travel benefits.

⭐ Can I get supplementary credit card for free?

A. Yes, few banks provide supplementary cards for free on the primary credit card.

⭐ Is there any eligibility to get supplementary card?

A. The supplementary credit cardholder must be of minimum 18 years and close family member of the primary cardholder.

⭐ How do I get credit card statements?

A. You can visit the bank and request for a credit card statement or can get access to online banking and print e-statements.

⭐ Is it mandatory to get credit shield?

A. It varies with banks, at few banks it is mandatory to get a credit shield and at some banks it is optional.

⭐ Can I get loan on credit card?

A. Yes, few banks provide loans on the credit card as well.

⭐ Is it mandatory to close my credit card account before I leave UAE?

A. Yes, if you are going to leave UAE for a long time then it is mandatory to close your credit card account.

⭐ Can I apply for a credit card online?

A. Yes. You can apply for a credit card online.

⭐ Which is the best credit card amongst the listed cards above?

A. The above mentioned are the best credit cards in the UAE. It depends on the applicant’s needs and requirements and usage of the credit card that determines which card can be beneficial for them.

⭐ Are non-residents of UAE are eligible for credit cards in UAE?

A. Only residents of UAE with valid Emirates ID are eligible for a credit card in UAE

⭐ What is the minimum age required to get a credit card in UAE?

A. The minimum age required to get a credit card in the UAE is 21 years.

⭐ Is the annual fee Zero on ADIB Value+ card lifelong?

A. There is NO annual fee charged on ADIB Value+ Card for a lifetime.

⭐ How many cards can I apply for?

A. There is no limit in the number of credit cards one can get, it depends on how well you manage your cards without having a negative impact on your finances and credit report.

⭐ Are there charges on cash withdrawal from the credit card?

A. Yes. there are charges levied on cash withdrawal from the credit card.

⭐ What is the maximum cash withdrawal limit offered?

A. The maximum cash withdrawal limit that can be availed depends on the card, though some banks offer a 100% cash withdrawal limit.

⭐ Is it mandatory to provide the card while getting access to airport lounges?

A. Yes. It is mandatory to present your card while getting access to airport lounges.

⭐ Can people new-to-UAE get a credit card in UAE?

A. Yes. New to UAE individuals who have a verifiable source of income can get a credit card in UAE.

Popular Credit Card categories in UAE

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Citi Emirates Ultimate

MINIMUM SALARY

OTHER KEY BENEFITS

• Golf offers
• Valet Parking
• Cinema Tickets
• Dining Offers
• Balance Transfer
• Airport Lounge Access
• Travel Insurance
• Airport Chauffeur Services
• Purchase Protection

TOP REASONS TO CHOOSE

• Earn up to 1.25 Skywards Miles per $ spend
• 1 Complimentary golf a month at the finest courses in UAE
• Complimentary valet parking, cinema ticket offers
• Unlimited access to 1000+ airport lounges

Non AED Transaction Fee

Cash Advance Fee

3.00 % / Min 99

Key Features

• Earn up to 1.25 Skywards Miles per USD
• Convert Skywards miles into Reward Flights and Business Class upgrades with Emirates
• Complimentary Valet Parking once a month with Valtrans
• Complimentary golf once a month at some of the best golf courses in the UAE
• Unlimited access to 1,100+ lounges worldwide (+guest) with MasterCard Travel Pass app
• 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.
• ‘Buy 1 Get 1 free’ movie tickets at VOX cinemas
• Get access to hundreds of Buy 1 Get 1 offer with the free Mastercard® priceless specials app
• Fast, safe and effortless purchases, with Apple Pay & Google Pay
• Complimentary Marhaba Bronze Meet & Greet service once a year at Dubai International Airport.
• 0% interest for 3 months easy instalment plan on Emirates tickets purchased through www.emirates.ae
• Complimentary International Concierge Service
• Complimentary Travel Insurance
• Citi World Privileges: Enjoy travel, dining and entertainment discounts locally and across 95 countries

Reward Features

Earn Emirates Skyward Miles on your Citi Emirates World Card

• 1.25 Skyward Miles per USD on non AED spend
• 1 Skywards Miles per USD on other AED spend

Redeem your Skywards Miles for reward flights and upgrades with Emirates & Flydubai

on Citibank site

Emirates Islamic Skywards Infinite Credit Card

Emirates Islamic

• Extended Warranty
• AED 500 noon voucher (T&C's apply)
• Up to 2 Skywards Miles per USD equivalent spent
• Fast-Track update to Emirates Skywards Silver Tier Status

3.15 % / Min 103.95

Joining Offers

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.

• 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

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

Emirates NBD Skywards Infinite Credit Card

Emirates NBD

• Health & Fitness
• Car Registration
• 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
• 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!

• 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)

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
• Specific spend categories earn lower rewards

Citi Emirates Ultima Card

• Earn up to 2.5 Skywards Miles per $ spend
• Exclusive 100% Metal card
• Complimentary golf, valet parking, cinema ticket offers
• 25,000 welcome bonus Skywards Miles

Get 25,000 welcome bonus Skywards Miles when you apply for the card and 10,000 Skywards Miles annually upon renewal. Citibank Terms & Conditions apply.

• 25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
• Exclusive 100% metal card + Skywards Silver Membership
• Unlimited golf on weekdays and 1 free round on weekends per month
• Complimentary Valet Parking twice a month with Valtrans
• Insurance cover for online purchases up to $1,000 per year, at no additional cost
• ‘Buy 1 Get 1 free’ movie tickets at VOX & REEL cinemas
• Complimentary Silver Bronze Meet & Greet service once a year at Dubai International Airport.

Earn Emirates Skyward Miles on your Citi Emirates Ultima Credit Card

Earn 2.5 Skywards Miles per USD spent on www.emirates.com in AED 1.5 Skywards Miles per USD on non-AED spend and 1 Skywards Mile per USD on other AED spend.

Redeem your Skywards Miles for reward flights and upgrades with Emirates

Emirates Islamic Skywards Signature Credit Card

• 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

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.

• Up to 2 Complimentary “Buy 1 Get 1” offers on Reel movie tickets on a monthly basis
• Enjoy 1 complimentary valet parking services per month at select locations across the UAE.
• Enjoy two rounds of complimentary golf per month at select Golf clubs in UAE
• 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

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 .

Emirates Islamic Etihad Guest Premium

• 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

3.15 % / or AED 103

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.

• 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.
• 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.

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.

American Express The Platinum Card

American Express

• Premium lifestyle & travel benefits
• No interest charges (full payment required)
• Access to the Membership Rewards® programme

4.00 % / Min 50

• Receive a US$ 300 / AED 1,100 Annual Travel Credit
• Complimentary Wi-Fi services with Boingo
• Complimentary Priority PassTM enrolment to over 1,000 Airport Lounges globally for Basic and Supplementary Cardmember
• Dedicated Platinum Travel and Concierge Services 24/7
• Complimentary enrolment to Membership Rewards®
• Comprehensive Travel Insurance
• Enrolment to leading hotel loyalty programmes
• Comprehensive Travel Insurance. Your policy number is 'AMEX20'
• Earn Membership Reward Points
• Access to the Membership Rewards program, with 1 point earned for every AED 4 of spend
• Points never expire
• Redeem for a variety of lifestyle and travel rewards from any of our 14 airline partners and 4 hotel partners
• This is a charge card:full bal payment to be made each month
• 1 Platinum and 4 Gold Supplementary cards without a fee.
• 2.5% monthly charge on outstanding balance

RAKBANK Emirates Skywards World Elite Mastercard Credit Card

• Life Insurance
• Contactless Tech
• Get up to 20,000 Bonus Skywards Miles
• Emirates Skywards Silver Tier Status
• Access to 900+ airport lounges across the world
• Fast Track to Gold Tier status
• 1-night free stay at Rixos JBR

3.00 % / Min AED99

Get Joining bonus Skywards Miles of 20,000 on payment of annual fee of AED 1,499. The bonus Skywards Miles will be credited within a week of the next statement cycle. The card is also available with First year free offer without the joining bonus miles, offer is valid till 31st Jan 2023.

• Simplified Skywards Miles earn logic - based on total spend tiers
• Exclusive Mastercard World Elite Concierge benefits
• Careem chauffeur benefits - 20% off 3 rides every month
• Mastercard Priceless Cities offers
• Rakfoodie privileges
• 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 Emirates Skywards Silver tier membership
• Complimentary access to 900+ lounges globally for the cardholder PLUS a guest
• Complimentary nights at select Marriott Bonvoy properties worldwide
• Special offers including free nights at Oberoi Hotels & Resorts
• Complimentary airport transfers within the UAE
• Complimentary Amazon Prime membership for a period of one year
• 50% discount on VOX Cinemas at 4 free tickets per month per card
• 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
• Free delivery of fuel at your door step by CAFU - 4 times in a month
• Discovery Black membership by Global Hotel Alliance with discounts and other premium benefits
• 15% discount on "Buy and Gift Miles"
• Fastrack to Gold tier by opening a RAKBANK Emirates Skywards Saving Account
• Complimentary access two times in a month at some of the finest golf courses in Dubai
• 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)
• Applicants for RAKBANK Emirates Skywards World Elite Mastercard Credit Card should be citizens or residents of the UAE
• Minimum monthly salary requirement for salaried applicants is AED 25,000
• Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Credit Card is AED 1,499. Limited Period Offer - Annual fees waived for first year until 28th February 2021.
• Annual fees for RAKBANK Emirates Skywards World Elite Mastercard Supplementary Credit Card is AED 999 with Silver tier membership & AED 200 without Silver tier membership

Earn Emirates Skywards Miles on all spends

The RAKBANK Emirates Skywards World Elite Mastercard Credit Card lets you earn Skywards Miles on all types of spends. What’s more, these Skywards Miles are awarded based on total monthly spends in Dirhams to keep it simple for you.

Skywards Miles award will be reduced to 50% if spend in special categories (such as Charities, Government Services, Bill Payments, Schools, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Supermarkets, Health & Beauty, Club Membership, Motion Pictures & Theatres, Computer Services, Automobiles & Vehicles) exceeds 50% of total spends for the month.

• Free for the first year - Annual fee of AED 1499 on renewal

Mashreq Solitaire Credit Card

Mashreq Bank

• Extensive, premium luxury lifestyle benefits
• Earn Salaam Carats on all spends
• Premium travel benefits
• 50% discount on movie tickets
• ED 2500 cashback as joining bonus

3.15 % / Min 210

Apply & get AED 2500 cashback will be credited subject to spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.

• AED2500 cashback as joining bonus
• Complimentary Golf at Arabian Ranches, Yas Link and Trump based on spend tiers. Discounts at 14 clubs in UAE and Muscat
• Unlimited free access to 650+ airport lounges globally for primary, supplementary and a guest
• Save up to 35% on the finest signature cuisines by the best hotels in the UAE
• 10 Complimentary tickets on Sundays in a month at VOX Standard and 20% off at Roxy
• 2 free valet parking at select locations in Dubai and Abu Dhabi
• 6 complimentary airport limousine service uses per year in Dubai
• Redeem Salaam points for travel tickets and vouchers
• Complimentary access to Fitness First
• Exclusive 30% discount on Luxury yacht charter
• 6 complimentary Silver Marhaba Meet & Greet services in a year
• Multi trip travel insurance

Earn Salaam Carats

• Earn 1 Salaam Point on local spends .
• Earn 3 Salaam points on International spends.
• Supplementary card has annual fee of AED 630
• Min monthly spends required for some benefits

on Mashreq Bank site

Standard Chartered Visa Infinite Card

Standard Chartered Bank (SCB)

• Premium lifestyle benefits
• Earn Reward points on all spends
• AED 1000 Cashback as joining bonus
• Loaded with travel benefits!

3.15 % / Min 105

AED 1000 cashback joining offer ( requires a spend of AED 10000)

1.      The offer is valid for only New to Bank or New to Product credit card applications from the period starting from 1st May to 31st July 2023 (“the Offer Period”).  

2.      Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.

  3.      The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.

  4.      Credit card applications sourced via sales representatives will not be eligible for the Offer.

  5.      The Bank will credit cashback to the client’s credit card statement.

  6.      Successful applications will receive the cashback on 31 December 2022.

  7.      Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid.

• AED 1000 cashback joining offer
• Earn 360° Reward Points on all spends
• Four free Careem airport rides per year with a maximum of AED 100 per ride.
• Exclusive unlimited Fitness First access
• Complimentary round of golf through Golflans offered by SCB. Discounts at 34 clubs in the UAE and Muscat
• Unlimited complimentary access to 1000+ airport lounges worldwide including a guest
• Avail upto 14 tickets at buy1 get 1 at VOX
• Buy 1 Get 1 Free at Costa Coffee
• The Good Life privileges offers
• 24/7 Concierge service
• Extended warranty
• Earn 2% of your Rewards Points balance as cashback with any airline bookings
• Earn 2 360° Reward Point for every US $1 on International Spend
• Earn 1 360° Reward Points for every US $1 Domestic Spend
• 360° Rewards Points, can be redeemed for exclusive merchandise, travel and much more
• Transfer Rewards Points to miles, including Emirates Skywards, Etihad Guest and more, as well as hotel loyalty programmes.
• (USD 1 is defined at AED 3.673)
• Reward points expiry 3 years from date of earning
• AED 10,000 spend required by Aug 31 2022 for joining offer

Deem Mastercard Platinum Miles Up Credit Card

• 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

Free for life credit card.

• 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

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.

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

Citi Prestige Credit Card

• Strong rewards earnings & travel benefits

Apply for a Citi Prestige Credit Card and get up AED 600  welcome offer as a statement credit.

Also, earn 10,000 annual ThankYou® Points on yearly renewal of your Card. 

Citibank Terms & Conditions apply.

• Sign up for a Citi Prestige Credit card and get AED 600 welcome offer
• 4th night free at any hotel locally or worldwide
• Redeem points for cash rebates, staycation bookings, merchandise or transfer to 12 partner airlines including Emirates, Etihad, flydubai & British Airways
• 6 complimentary airport rides per year (up to AED 110 each) using code "MAUAE6“ on the Careem app.”
• Fast, safe and effortless purchases, with Apple Pay
• Citi Prestige Global Concierge team, available to assist you 24/7 from anywhere in the world
• Complimentary Marhaba Silver Meet & Greet service twice a year at Dubai International Airport
• Complimentary Travel Insurance and Purchase Protection

Earn 3 ThankYou® Points per USD on non-AED spend spent and 2 ThankYou® Points per USD on local (AED) spend

With your ThankYou® Points you have the flexibility to redeem for travel rewards, merchandise, gift vouchers and many other rewarding experiences 

- Transfer your ThankYou® Points to 12 airline and hotel partners for flights and hotel stays

- Redeem points for cash rebates or shopping vouchers

Citi Emirates World Card

• Earn up to 1 Skywards Mile per USD spent
• Flat 30% off 2 movie tickets at VOX Cinemas every month
• Unlimited free lounge access for supplementary holders too
• No annual fee in Year 1
• Earn up to 1 Skywards Miles per USD and redeem them on Emirates or Flydubai Reward flights and upgrades
• No annual fee for the first year
• 2 complimentary airport rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app.”
• Flat 30% off 2 movie tickets at VOX cinemas
• Unlimited access to 1,100+ lounges worldwide with MasterCard Travel Pass app
• PayLite: turn any big purchases into small payments

Earn 1 Skywards Mile per USD on non AED spend and 0.75 Skywards Miles per USD on AED spend. 

• Annual fee of AED 400 from year 2 onwards

Emirates Islamic Skywards Black Credit Card

• Fast-Track update to Emirates Skywards Gold tier Status
• Complimentary Airport Transfers and Lounge access
• Complimentary Golf Rounds and Valet Parking services

3.15 % / AED 103.95

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

• 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 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

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.

RAKBANK Air Arabia Platinum Credit Card

• Roadside Assistance
• Joining offer of 15,000 Air Rewards points
• Complimentary airport pick up & drop off up to 6 times/year
• Annual Fee waiver 2nd year onwards(if spend criteria met)
• Roadside assistance and Concierge services

Joining Bonus -15,000 AirRewards Points Equivalent to a return ticket: A Joining Bonus of 15,000 AirRewards Points will be credited upon payment of Joining Fee and a minimum retail spend of AED 5,000* in first 3 months.

• A Joining Bonus of 15,000 AirRewards Points
• Annual Fee will be waived from the second year onwards if spend criteria met
• Complimentary airport pick up & drop off up to 6 times a year
• Get complimentary return flight ticket once every year against a minimum retail spend of AED15,000
• Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt
• Complimentary excess baggage and in-flight meal vouchers in Air Arabia flights
• Cleartrip Airline Discounts up to 30%
• Car rental offers from Avis
• Lowest minimum monthly payment of just 3%
• Complimentary Vehicle Registration with pick up and drop
• Discounted Chauffeur Rides with Careem
• Privileged discounts on dining and shopping
• MyUS Premium Shipping Discounts
• Bicester Village Shopping
• Reebonz Online Shopping Privileges
• Special dining offers and privileges at 220 restaurants and outlets across the UAE
• Travel accident insurance cover up to USD 150,000

AirRewards - Air Arabia's loyalty program

• 1.75 AirRewards Points for every 5 AED spent at www.airarabia.com
• 1.25 AirRewards Points for every 5 AED spent within UAE
• 1.75 AirRewards Points for every 5 AED spent outside UAE
• 0.30 AirRewards Points for every 5 AED spent under the category of Government Services, Bill Payments (Telecommunication & utility), Real Estate, Car Rentals, Transport and Petrol/Gas Stations.
• Only retail transactions eligible for joining bonus offers
• The ticket will only cover the base fare

ADCB Etihad Guest Above Classic Credit Card

Abu Dhabi Commercial Bank (ADCB)

• Free for life card
• Exclusive benefits at Ferrari World & Yas Waterworld
• Earn Etihad Guest Miles on all spends
• Earn 0.33 Etihad Guest Miles for every USD 1 spent locally
• Exclusive benefits at Ferrari World and Yas Waterworld
• Optional credit shield
• Optional Family Protector Plus life insurance
• Utility Bill payments
• Personal Payment Plan
• Credit Card loan
• Purchases in the category of Supermarkets, Government Services, Utilities and Education will earn 0.33 Etihad Guest Miles per USD 1

FAB Etihad Guest Signature Credit Card

First Abu Dhabi Bank (FAB)

• 35,000 welcome Etihad Guest Miles
• 50% Etihad Guest Miles discount voucher
• Access to 1000+ airport lounges across the world
• Fast track enrolment to Etihad Guest Silver Membership
• Earn up to 6.5 Etihad Guest Miles for every AED 10 spent

Get a warm welcome with a 35,000 Etihad Guest Miles bonus.

• Receive 35,000 Etihad Guest Miles as welcome bonus for primary Card
• Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
• Double Etihad Guest Tier Miles
• Earn Etihad Guest Miles on all your purchases
• 50% Miles Discount Voucher every year on reaching an annual spend of AED 150,000
• Optional Miles Accelerator program
• 10% discount on Etihad Airways holiday package
• Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
• Fast track enrolment to Etihad Guest Silver membership
• Complimentary inflight wi-fi vouchers
• 2 complimentary airport pick up and drop off services per calendar year
• Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
• Access to 1000+ airport lounges across the world, 8 times per annum
• 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
• Visa golf access - exclusive discounts on highly prestigious golf courses
• Exclusive 24/7 Concierge Service
• Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
• 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
• International medical and travel assistance
• Home content insurance

EARN ETIHAD GUEST MILES FOR EVERY AED 10 YOU SPEND

• Domestic transactions (AED): 2.75 Miles earned per AED 10
• International transactions (non-AED): 4.5 Miles earned per AED 10
• Etihad or Etihad Airways partners: 5.5 Miles earned per AED 10

EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPENDS

All purchase transactions (domestic or international): 2.5 Miles earned per AED 10

MILES ACCELERATOR PROGRAM

Earn 6.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

• Supplementary cards have annual fee of AED 250

Emirates Islamic Skywards Platinum Credit Card

• Earn Skywards Miles on all spends
• Double Miles on spends at Emirates Airlines
• Complimentary golf offers

3.00 % / Min 199

• Enjoy earning Miles for every USD 1 spend on all local and international transactions
• Additional Skywards Miles for all spends at Emirates Airlines
• Access to over 200 airport restaurant offers globally
• Visa Luxury Hotel collection offers
• Mazaya Offers Programme
• Exclusive golf offers
• Balance transfer facility
• Golf offers across the globe
• 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
• 4 free months of Anghami Plus
• Earn 0.6 Miles for every USD 1 spent on local transactions
• Earn 0.75 Miles for every USD 1 spent on international transactions
• Earn 1 Mile for every USD 1 spent on all Emirates Airlines transactions

Emirates NBD Dnata Platinum Credit Card

• Earn dnata points for all spends
• Earn accelerated points at participating merchant outlets
• Unlimited complimentary ariport lounge access

Introductory Offer:

• Up to AED 1,000 Travel Vouchers.
• AED 500 travel voucher on payment of joining fee
• AED 500 travel voucher after retail spends of AED 10,000 in the first 3 billing statements
• Introductory offer - Up to AED 1,000 Travel Vouchers
• Earn dnata Points for every spend
• 10% Rewards for Spends at dnata
• Earn accelerated rewards at partner stores
• 0% Interest Instalments for Purchases at dnata
• Bon Appetit - exclusive dining discounts
• Discounts on air tickets and holiday packages
• Unlimited complimentary access to over 10 VIP lounges in Middle East
• Up to 30% discount on travel booking made via Cleartrip Exclusive benefits with Avis car rental services
• The Bicester Village Shopping Collection Benefits
• Purchase protection of up to USD 5,000 per year
• Card Fraud Protection cover up to $4,000 per year

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 at Costa, City Sightseeing, Giraffe.

Earn 10% dnata Points atdnata Travel, MMI, Al Hamra Cellar, Arabian Adventures, Le Clos.

Earn 5% dnata Points on Duty Free Shopping.

Earn 1.5% dnata Points on all retail spends.

• Max spend cap for spends on participating partners

Emirates NBD Dnata World Credit Card

• 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
• 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

Introductory offer - Up to AED 2,500 Travel Vouchers

• 15% Rewards for Spends at dnata
• Unlimited complimentary access to over 850 premium lounges globally
• Dedicated concierge service
• Up to 4 free airport transfers per calendar year
• Two complimentary rounds at Track Meydan, Trump, Ranches, Sharjah Shooting club and Yas links
• Enjoy exclusive benefits with Avis car rental services
• Hertz Gold Plus Rewards® Five Star Membership
• Starwood Hotels & Resorts Complimentary Hotel Nights
• Luxury Serviced Apartment Discounts
• Complimentary Fast Track Travel Visa Service
• MasterCard Buy 1 get 1 offers
• MYUS Premium Shipping Discounts
• Travel Inconvenience & Cancellation Insurance
• Comprehensive Travel Insurance Travel Medical cover up to $500,000
• 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 2% dnata Points on all retail spends

Emirates NBD Etihad Guest Visa Elevate

• 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

3.15 % / Min103.95

Welcome offer of AED 400 Noon voucher.

• 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
• 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

Emirates NBD Skywards Signature Credit Card

• 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

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.
• Earn up to 1.5 Miles per USD 1 of retail spends
• Unlimited complimentary access to over 1000 airport lounges in 300 cities
• 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.
• Complimentary golf access twice a month at select courses
• Exclusive discounts at Lifeline Health Club Abu Dhabi
• Travel Insurance cover

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
• Golf access requires min spend of AED 5,000 per month

Emirates NBD Starwood Preferred Guest World Credit Card

• Extensive premium lifestyle & travel benefits
• Exclusive benefits at Starwood Hotels & Resorts
• Earn Starpoints on all spends
• Comprehensive travel insurance cover
• Introductory offer - up to 50,000 bonus Starpoints
• Automatically get complimentary Elite Credit of 5 nights / 2 stays
• Earn Starpoints on all retail spends
• Earn additional Starpoints for spends at Marriott Reward Hotels & participating SPG hotels and resorts
• Redeem Starpoints for a host of rewards, including Free Night Awards, SPG Flights and SPG Moments
• Complimentary SPG Gold member status
• Complimentary access to 850+ premium airport lounges worldwide
• Complimentary concierge service
• Free 24/7 Roadside Assistance
• Up to 50% discount at over 500 spas, medical & wellness centres, gyms, salons and more
• Up to 50% discounts across theme parks, indoor sports, marine attractions etc.
• 10% discount on any international roundtrip airfare
• Discounted chauffeur rides with Careem
• Fairmont, Raffles, and Swissotel Spa Offer
• Reebonz online shopping privileges

Earn Starpoints Rewards:

• Domestic retail Spends - 1 Starpoint per US $1
• Spends at participating Marriott Rewards Hotels - 2 Starpoints per US $1
• Spends at participating SPG Hotels - 5 Starpoints per US $1
• Insurance, Car dealership related, Grocery/Supermarket - 0.25%
• Real Estate, Education, Fuel, Govt Services, Utilities, Telecom -  0.1%

Redeem Starpoints for a host of rewards, including Free Night Awards, SPG Flights and SPG Moments. Earn up to 50% more Starpoints every month (max 4,000) for all your retail purchases by enrolling in Express Points Programme (monthly fee of AED 300).

• $10,000 spend in 1st 3 mnths to earn 25,000 bonus Starpoints

Emirates Skywards Visa Signature Card

Abu Dhabi Islamic Bank (ADIB)

• Balance_Transfer
• Airport_Lounge_Access
• Golf_offers
• Valet_Parking
• Travel_Insurance
• Purchase_Protection
• Airport_Chauffeur_Services
• 25,000 Bonus Skywards Miles
• Complimentary Emirates Home check-in services
• Complimentary airport transfers, golf access, valet parking

Welcome Offer:

Bonus Emirates Skywards Miles 25,000 welcome bonus Skywards Miles - Get welcome bonus of 25,000 Skywards Miles on first spend

• 25,000 bonus Skywards Miles
• Two complimentary Emirates Airlines Home check-in services within Dubai
• Unlimited Airport lounge access globally for primary cardholder
• 2 complimentary airport transfers per year anywhere in UAE (city limits)
• 2 complimetary valet parking offers per month
• Complimentary golf for cardholder
• Exciting travel and lifestyle benefits

Earn Emirates Skywards Miles

for every AED 3.68 equivalent spend:

• Emirates and flydubai spends: 2.5 Miles
• Foreign currency spends: 1.5 Miles*
• Local currency spends: 1 Mile*
• Specific category spends: 0.25 Miles*

*Specific merchants in the following categories will receive 0.25 Skywards Miles per AED 3.68 (or equivalent) for AED and non – AED transactions: Supermarkets, Government Services (e.g. Fines, Taxes), Utilities, Education, Service/Petrol Stations, Real Estate Agents, Public Transport (e.g. Taxis, Metro, Buses), Road Tolls/Salik, Charities/Religious Organisation.

• 5th supplementary card onwards annual fee is AED 1500

FAB Etihad Guest Infinite Credit Card

• 75% Etihad Guest Miles Discount Voucher
• Fast Track Enrolment to Etihad Guest Gold Membership
• Complimentary Inflight Wifi Vouchers
• Optional Etihad Guest Miles Accelerator
• 55,000 welcome Etihad Guest Miles

Get a warm welcome with 55,000 Etihad Guest Miles bonus.

• Receive 55,000 Etihad Guest Miles as welcome bonus
• Earn bonus Etihad Guest Miles of 55000 on a spend of AED 100000 in the first six months
• 75% Miles Discount Voucher every year on reaching an annual spend of AED 200,000
• Fast track enrolment to Etihad Guest Gold membership
• 6 complimentary airport pick up and drop off services per calendar year
• Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
• Domestic transactions (AED): 3.5 Miles earned per AED 10
• International transactions (non-AED): 6.0 Miles earned per AED 10
• Etihad or Etihad Airways partners: 7.0 Miles earned per AED 10

EARN ETIHAD TIER MILES FOR EVERY AED 10 YOU SPEND

All purchase (domestic or international): 2.5 Miles earned per AED 10

Earn 7.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

FAB Etihad Guest Platinum Credit Card

• 10,000 welcome Etihad Bonus Guest Miles
• 25% Etihad Guest Miles discount voucher
• Miles Accelator and Double Miles on recurring trans.
• Airport Transfers Facility
• Free Cinema Tickets

Primary Card- Earn 10,000 Etihad Guest welcome bonus Miles.

Supplementary Card- Earn 5000 Etihad Guest welcome bonus Miles.

Double Etihad Guest Miles when you use your card to buy Etihad Airways or Etihad Partner Airlines flight tickets.

• Receive 10,000 Etihad Guest Miles as welcome bonus for primary Card
• Miles Accelator Program
• Earn bonus Etihad Guest Miles of 20000 on a spend of AED 40000 in the first six months
• 40% discount at over 100 golfcourses worldwide
• Visa VOX Cinemas offer - 50% off on Sundays
• Global purchase protection
• Domestic transactions (AED): 2.0 Miles earned per AED 10
• International transactions (non-AED): 3.5 Miles earned per AED 10
• Etihad or Etihad Airways partners: 4.0 Miles earned per AED 10

Earn 5.5 Etihad Guest Miles for every AED 10 spent on your purchases (domestic and international) with an optional enrolment into the Miles Accelerator Program, for just AED 250 per month.

• Some benefits require min spend

FAB Rewards Elite Infinite Credit Card

• More FAB rewards on Gaming
• Earn up to 4 FAB Rewards for every AED 1 spent on your card
• Valet parking, Airport transfers and Golf discounts

3.15 % / or AED 105

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

• Enjoy four free valet parking services a month at selected locations in the UAE.
• Enjoy eight movie tickets a month for only AED 15 on weekdays and AED 20 at weekends at Reel Cinemas, Cine Royal and Oscar Cinema.
• Get exclusive discounts at great golf courses*.
• Get even more great offers with Visa including offers on dining, The Entertainer and Global Blue*.
• Get up to eight free airport transfers a year.
• Get up to eight free Meet and Greet Services at Dubai International Airport
• Enjoy free airport lounge access in 1,000+ lounges worldwide for you and a guest
• 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*.
• Get complimentary travel 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 the fraudulent use of your card*.
• If you used your FAB Rewards Elite 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*. Learn more.
• If something happens and you can’t meet your credit card payments, your outstanding balance will be paid off.

FAB REWARDS WELCOME BONUS

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 4 FAB Rewards per AED 1 spent on your credit card.

REDEEM INSTANTLY

Instantly redeem your FAB Rewards 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.

• International transaction has scheme charges in addition

Emirates Islamic Etihad Guest Saqer

• 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)
• 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.
• 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

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.

• This card joining offer is only for UAE Nationals

FAB Rewards Infinite

• 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

3.15 % / AED 158

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.

• 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

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 critiera applicable for Valet and Movies

FAB Visa Infinite Travel Card

• Guaranteed AED 1500 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

Get a guaranteed AED 1500 travel voucher on card activation  to use for travel bookings on the FAB Travel Portal.

• Endless choices and benefits across everything travel, including flights, hotels, car hire, and much more.
• Get a guaranteed AED 1500 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 one guest.
• Enjoy up to 10% discount for First, Business (Club World), Premium Economy (World Traveller Plus) and Economy (World Traveller) classes when travelling from the UAE.
• 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 six rides).
• Get up to 8 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.
• 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 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.
• Above offers are subject to change.

Get 1.5 FAB Mile for each USD $1 spent on retail purchases anywhere

Get 2 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 :

• 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

HSBC Black Credit Card

• Premium luxury lifestyle benefits
• 150,000 bonus sign-up Airmiles
• Excellent travel & travel insurance benefits
• Best in class cinema offers
• AED 500 Cashback Welcome offer

2.75 % / Min 105

Welcome Offer

Get up to AED 500 cashback when you apply for an HSBC MasterCard Credit Card today. Offer valid till 30 April 2023.

Enjoy 150,000 sign-up Air Miles for the first year and 75,000 anniversary Air Miles from the 2nd year onwards.

• Up to 2.5 Air Miles per 1 AED spend on the card
• Unlimited complimentary airport lounge access for primary & supplementary cardholders plus a guest each
• Complimentary unlimited valet parking in select locations at Dubai & Abu Dhabi
• Customers can avail 4 complimentary tickets each at VOX and Reel in a month through Buy1 and Get 1
• Marriott Bonvoy Hotels complimentary nights
• Expedia hotel bookings discounts
• Entertainer app with 9,000+ Buy 1-Get 1 Free offers
• Exclusive international Concierge service
• Two complimentary rounds at Els Club, Trump, Sadiyat Beach Golf club and Abu Dhabi Golf club
• Instant upgrade to DISCOVERY Black-level membership, a loyalty programme of Global Hotel Alliance
• Exclusive discounts on Airport Meet & Greet services

Earning miles

Spend anytime, anywhere with your HSBC Black Credit Card & earn Air Miles:

• 1.5 Air Miles per 1 AED of foreign currency spends.
• 1.5 Air Miles per 1 AED spend on online purchases.
• 2.5 Air Miles per 1 AED spend on airlines, hotels, car rentals, 1 Air Mile per 1 AED spend on all other transactions.
• Redeem Airmiles online, from a wide range of travel and entertainment rewards, including flights, hotel stays, retail vouchers and much more.
• Airmiles can be exchanged with Emirates Skywards Miles & Eithad Guest Miles.
• Exchange ratio is 12 Air Miles for 1 Skywards Mile & 9 Air Miles for 1 Etihad Guest Mile.
• Minimum 30,000 Air Miles required for exchange.
• You will require an HSBC Premier account to get this card
• Bonus Airmiles have minimum spend criteria

HSBC Max Rewards Credit Card

• No annual fee for the 1st year
• Earn 1 Airmile for every AED 1
• Double your Air Miles on certain categories of spend
• Earn up to AED 600 cashback as joining bonus.

3.15 % / AED 105

Enjoy up to AED 600 cashback when you open a Max Rewards card today. Below are couple of conditions.

• AED 500 cashback joining offer is applicable on 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.
• Earn 1 Air Mile for every AED 1 you spend, redeemable on flights, hotels, education, and shopping vouchers
• Earn up to AED 600 cashback as joining bonus
• You can double the Air Miles you earn on dining, entertainment, fitness, travel and more when you spend over AED 3,000 a month
• Enjoy complimentary access to premium gyms, pools, and beach clubs with the HSBC ENTERTAINER soleil app when you spend over AED 3,000 a month
• You can also access 1000s of discounts and benefits with the HSBC ENTERTAINER mobile app and I Love Dining programme
• Get unlimited access to 1000+ airport lounges in more than 300 cities all around the world
• Book online and get monthly ‘Buy 1 Get 1 Free’ tickets at Vox and Reel Cinemas
• Relax with complimentary travel insurance cover for you and your family
• Get up to 10% off airfares (excluding applicable taxes, charges and fees) when you book with your HSBC Max Rewards Credit Card from 1 January 2023 until 31 December 2023, for travel dates up to 30 December 2024.

Air Mile for every AED 1 spend. Exchange or redeem your Air Miles for flights, hotels as well as education and retail voucher

Double your Air Miles on your dining, entertainment, fitness, travel and more when you spend more than AED 3,000 a month

Complimentary access to gyms, entertainment, dining, travel benefits and more, based on your monthly spend

Where minimum spend of AED 3,000 is not met and for ‘All other spends’, the Air Miles rate is 1 Air Mile on each AED 1 spend. Lifestyle shopping includes apparel, electronics, online marketplace retailers, personal care and furniture, as defined by Visa

HSBC Premier Credit Card

• Welcome offer of AED 500 cashback with the card
• Free HSBC Entertainer App and exclusive travel offers
• Exclusive dining and cinema privileges

2.75 % / Min AED 105

Welcome offer: Get up to AED 500 cashback when you apply for an Premier Credit Card today. Offer valid till April 2023.

• Premium benefits with no Annual Fees!
• Free valet parking up to 4 times per month
• Customers can avail 4 complimentary tickets at VOX and 2 at Reel in a month through Buy1 and Get 1
• 10% discount on Expedia hotel bookings
• Earn 1 Air Mile for every AED 1 spent
• 1-year free Expedia+ gold membership
• 7% discount with Agoda at over 180,000 hotels worldwide
• Discounted Airport lounge access with LoungeKey for primary & secondary card holders
• Free global Wi-Fi through Boingo
• Air Miles Rewards Programme
• Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® Five Star membership
• Free HSBC Entertainer mobile app
• Exclusive dining privileges

Earn Airmiles on your HSBC Advance Credit Card

• With HSBC Advance Credit Card & earn 1 Air Mile for every AED 1 spent(Domestic & International).
• Redeem Air Miles from a range of Air Miles Rewards including airline tickets, hotel stays retail vouchers & much more.
• Need to also open an HSBC Premier Account
• Airmiles valid for 3 years only
• Minimum spend criteria apply for free valet parking

Najm Voyager Platinum Credit Card

• Earn rewards on ALL spends

3.00 % / Min 90

• Earn 'Voyager Rewards' on all spends & redeem against your travel purchases
• Up to 9% discount on Expedia Hotel Bookings
• Up to 2 buy-one-get-one free on tickets & popcorn at VOX Cinemas
• 50% off on dining, shopping, travel and entertainment experiences from over 450 partners
• 10 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
• 4 free months of Anghami Plus subscription

Earn Voyager Rewards:

• Earn 2.5 Voyager Rewards for every AED spent internationally
• Earn 1.5 Voyager Rewards for every AED spent locally
• Earn 1 Voyager Reward for every AED spent on utility bills, school fees, e-govt spends and fuel purchases

Redeem Voyager points against travel purchase transactions (flights/hotel bookings, travel packages, airport transfers, etc.)

• Interest rate varies based on % of total bal paid previously

Najm Voyager Signature Credit Card

• Joining offer of up to 75,000 Voyager reward points
• Earn rewards points on ALL spends
• Airport lounge access for primary & secondary cardholders

Welcome Bonus

• Spend AED 15,000 on the Voyager Signature Card in the first 60 days and get up to 75,000 Voyager Rewards credit. (worth AED 750).
• Get 30,000 Voyager Rewards when you pay the annual fee on the due date.
• Get 15,000 Bonus Spend Rewards when you spend AED 15,000 within the first 60 days.
• Get balance 30,000 Regular Spend Rewards on transactions made during the billing cycle.
• Spend AED 15,000 in the first 60 days & get up to 75,000 Voyager Rewards credit (worth AED 750)
• 12 complimentary visits each to 1000+ airport lounges globally for primary & supplementary cardholders
• 12 tickets in a month at VOX under Buy1 and Get 1. Also avail 20%off at Roxy
• Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
• Travel insurance cover up to $500,000 covering the cardholder & family
• 24-hour personalised concierge service
• Fraudulent card misuse protection cover ($2,500 per occurrence, $4,000 annual aggregate limit)
• Subscribe to Anghami Plus and enjoy up to four months free for the first year
• Earn 3 Voyager Rewards for every AED spent internationally
• Earn 2 Voyager Rewards for every AED spent locally

NOOR Bank Srilankan Credit Card

• No annual fee in 1st year
• FlySmiLes Silver Tier privileges

3.00 % / min 100

• Get 10,000 bonus miles with Srilankan airlines
• Earn 1 FlySmiLe for every US Dollar spent
• FlySmiLes Silver tier privileges
• 2 Complimentary visits to select airport lounges worldwide
• Unlimited complimentary access to Marhaba Lounges across airports in the Middle East
• oneworld airline alliance’s Frequent Flyer Programme

Earn FlySmiLes

Earn 1 FlySmiLe for every US Dollar spent.

• Annual fee from 2nd year is AED 300

ADCB Etihad Guest Above Gold Credit Card

• Earn 0.75 Etihad Guest Miles for every USD 1 spent locally
• Optional Family Protector plus life insurance

ALL- ADCB Infinite Credit Card

• Welcome bonus Up to 50,000 Reward points
• Unlimited complimentary airport lounge access for cardholder
• Complimentary golf access
• 50% off all-inclusive access at select Rixos Resorts in UAE
• Complimentary night on card anniversary

3.15 % / pr AED 105

Enjoy a welcome bonus Up to 50,000 Reward points, equal to €1,000 in hotel stays at Accor hotels around the world

Enjoy a rewarding welcome bonus on your ALL - ADCB Infinite Credit Card. You will receive up to 50,000 Reward points from ALL when you apply and use your ALL - ADCB Infinite Credit Card.

• Earn 15,000 Reward points from ALL when you apply for an ALL - ADCB Infinite Credit Card.
• Earn 15,000 Reward points from ALL when you spend AED 30,000 within 90 days from the date the card was issued.
• Introductory offer: Earn an additional 20,000 reward points if you apply on or before 31st August 2022.
• Welcome bonus Up to 50,000 Reward points, equal to €1,000 in hotel stays at Accor hotels around the world
• Beach, swimming pool and gym access at select Accor hotels in UAE
• Fast track upgrade to Platinum status from ALL
• Complimentary night on card anniversary at select Accor Luxury hotels in UAE
• 25% off restaurants at select Accor hotels in UAE
• 25% discount in Spas at select Accor hotels in UAE
• Unlimited buy 1 Get 1 free at Caribou coffee
• 20% off 3 Careem rides a month
• 50% off 3 Careem food & shop orders every month
• Fraudulent card misuse protection
• Unlimited complimentary airport lounge access for cardholder + 1 guest
• Complimentary airport chauffer
• Global concierge
• Multi-trip travel insurance
• Up to 35% off rentals at Avis rent a car
• VIP refund services at Global Blue Lounges
• Up to 30% off YQ meet and assist

Earn points everyday

Up to 3 Reward points per $1 spent at participating Accor hotels in the UAE and on your other spends

Spending has never been so rewarding. Accumulate Reward points on all retail purchases when you use your ALL – ADCB Infinite Credit Card.

• Earn 3 Reward points from ALL on spends at Accor hotels in the UAE
• Earn up to 3 Reward points from ALL on your international spends
• Earn up to 1.5 Reward points from ALL on domestic spends

*Purchases on fuel, education, government, real estate, telecommunication, charity and  transportation categories will earn 0.15 Reward points from ALL per USD 1 spent. Purchases at supermarkets, auto dealers, insurance and quick service restaurants earn 0.20 Reward points from ALL per USD 1 spent. International spends at countries in the EU region will earn 0.75 Reward points from ALL per USD 1 spent.

on Abu Dhabi Commercial Bank (ADCB) site

ADCB Etihad Guest Infinite Credit Card

• Joining Bonus of 12,000 Etihad Guest Miles
• Monthly Bonus of 1000 Etihad Guest Miles
• 30% off at over 1,400 restaurants in the UAE
• Benefits at Ferrari World & Yas Water World
• Welcome bonus of 60,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
• Qualifying Cardholder shall also be eligible for ‘Anniversary Bonus Miles’ in the subsequent year upon the ADCB Etihad Guest Card anniversary".
• Get 12,000 Etihad Guest Miles on paying the 1st year annual fee
• 1,000 Etihad Guest Miles when you spend 1000 USD each month
• Earn 1 Etihad Guest Miles for every USD 1 on domestic purchase
• Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase
• Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways
• Exclusive Etihad Guest Gold Tier membership
• Earn 1 Etihad Guest Tier Mile for every USD 1 of eligible purchase
• Complimentary upgrade voucher from Etihad Airways
• Free round the year golf access at the Track Meydan, Arabian Ranches and Yas Links. Discounts at 14 courses in UAE and Muscat
• Complimentary Airport Chauffeur service (4 per year)
• Enjoy unlimited complimentary airport lounge access globally for primary, supplementary and 1 guest
• Purchase protection for up to 90 days Extended warranty on eligible purchases
• Multi-trip Travel Insurance
• Up to 12% off Agoda bookings
• Airport lounge access
• Dining and lifestyle discounts
• Earn 1 Etihad Guest Miles for every 1 USD on domestic purchase.
• Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD
• School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking,   Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
• Earn 1.25 Etihad Guest Miles for every 1 USD on international purchase.
• Earn 1.25 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways.
• Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
• 1,000 Etihad Guest Miles when you spend 1000 USD each month.
• Etihad Guest Miles multiplier. Etihad Guest Miles multiplier is given based on minimum monthly spend and once a month. Qualifying Cardholder need to spend the required minimum threshold to enjoy the Etihad Guest Miles multiplier.
• Etihad Guest Miles multiplier is given to the Primary Cardholders only.
• Accumulate & redeem Etihad Guest Miles for airline tickets, upgrades & much more.
• Bonus Miles will be credited only after AMF payment (60days)
• 1000 USD min spend monthly to get 1000 Etihad Guest Miles
• Etihad Guest Tier Miles earned are valid for 12 months

ADCB Etihad Guest Platinum Credit Card

• 12,000 Welcome bonus Etihad guest Miles
• Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
• Qualifying Cardholder shall also be eligible for ‘Anniversary Bonus Miles’ in the subsequent year upon the ADCB Etihad Guest Card anniversary.
• Get 12,000 Etihad Guest Miles on paying the first year annual fee
• Earn 1 Etihad Guest Miles for every USD 1 spent locally
• Exclusive Etihad Guest Silver Tier membership
• Complimentary Airport Chauffeur service (2 per year)
• Complimentary Global Concierge service
• Purchase protection for up to 90 days
• Extended warranty on eligible purchases
• Medical and legal referral services
• Earn 1 Etihad Guest Mile for every USD 1 spent locally.
• Etihad Guest miles multiplier.
• Etihad Guest Miles multiplier is given based on minimum monthly spend and once a month. Qualifying Cardholder need to spend the required minimum threshold to enjoy the Etihad Guest Miles multiplier.
• Welcome bonus of 12,000 Etihad Guest Miles on the 1st year, provided AMF is paid within 60 days of card issuance.
• Supermarkets, government services, utilities and education will earn 0.33 Etihad Guest Mile per 1 USD.
• Accumulate & redeem Etihad Guest Miles for airline tickets, upgrades & much more
• Bonus Miles will be credited only after AMF payment(60 days)

ADCB Etihad Guest Signature Credit Card

• Earn Up to 2 Etihad Guest Miles per USD 1
• Up to 2,000 Etihad Guest Miles as monthly bonus
• You will receive 35,000 Etihad Guest Miles as welcome bonus during the first year of membership
• Earn 35,000 Etihad guest miles as sign up bonus
• Earn 1.25 Etihad guest miles per 1 USD spent on domestic purchases
• Earn 2 Etihad guest miles per 1 USD spent on international purchases
• Earn 2 Etihad guest miles per 1 USD spent on Etihad Airways bookings
• Earn 0.33 Etihad guest miles per 1 USD spent on utility bill payments, supermarkets, education, government services
• Can earn monthly bonus miles on spending USD 2000 using the card
• Earn 1 Tier mile per 1 USD spent on any local and international purchases
• 2 free airport chauffeur rides
• Free access to airport lounges worldwide
• 12% off on hotel bookings made with Agoda.com
• 8% off on hotels.com
• Multi-trip travel insurance cover
• Exclusive privileges on Visa luxury hotel collection
• Free golf clubs access
• 2-for-1 deals on Visa MENA app
• Up to 30% off on dining and shopping at selected stores
• 0% Easy Payment Plan(EPP) option
• Avail balance transfer on zero interest rates
• Earn 1.25 Etihad Guest Miles for every USD 1 on domestic purchase.
• School fee payments, telecom or utility bill payments made through ADCB channels (Internet Banking, Mobile App) maximum miles earned is capped at spends of AED 3,500 each month.
• Earn 2 Etihad Guest Miles for every 1 USD on international purchase
• Earn 2 Etihad Guest Miles for every 1 USD on purchases with Etihad Airways
• 2000 USD min spend monthly to get 2000 Etihad Guest Miles

ADCB Traveller Credit Card

• 20% off on flight & hotel bookings
• Complimentary hotel stay based on spend levels
• 0% foreign currency transaction fee
• Earn rewards on all purchases

Complimentary Stay Voucher The “Complimentary Voucher” is a voucher that entitles the Cardholder to a complimentary night stay at a hotel of the Cardholder’s choice amongst the available hotels booked through Hotels.com at www.hotels.com, using the Card. Anniversary Voucher is only available to the Qualifying Cardholders

• Earn TouchPoints on all your purchases
• 20% off your hotel bookings made on hotels.com - any property, anywhere in the world
• 0% foreign currency fees
• Up to 6 nights complimentary stay redeemable anywhere in the world
• Complimentary access to 900+ lounges globally for the cardholder
• Buy 1 get 1 free offers
• Enjoy benefits at Ferrari World & Yas Waterworld
• Free all year at The Track Meydan Golf Club Dubai, Arabian Ranches Golf Club Dubai and Yas Links Golf Club Abu Dhabi
• 20% off on Careem rides up to twice a month

Earn Touchpoints Per 1 AED spend 

• Earn 2 TouchPoints per AED 1 purchase with the Traveller Credit Card.
• Flight discounts limited to 6 bookings per year
• Hotel discounts limited to 12 bookings per year

ADIB Booking.com Infinite Card

• 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
• 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

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

• All cashback categories have maximum caps
• 5th supplementary card onwards annual fee is AED 2,000

ADIB Booking.com Signature Card

• Travel & lifestyle benefits
• 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
• Multi-Trip Travel insurance with cover up to USD 500,000
• Free Valet Parking (4 times/month)
• Screen reader support enabled.
• Earn 2 reward points for every AED 1 international spend
• Earn 1 reward points for every AED 1 domestic spend
• 5th supplementary card onwards annual fee is AED 299

ADIB Emirates Skywards World Card

• Bonus Skywards Miles
• Fast track to Emirates Skywards Gold tier membership

3.00 % / AED 99

• Upto 60,000 bonus Skywards Miles
• 40,000 welcome bonus Miles
• 20,000 bonus Skywards Miles (subject to meeting spend thresholds)
• Two complimentary Emirates Home check-in services within Dubai
• Unlimited Airport lounge access globally for primary cardholder via LoungeKey
• Complimentary airport transfers
• Complimentary golf for Cardholder

Up to 60,000 bonus Skywards 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.
• Minimum retail spend of AED 50,000 within 6 months

ADIB Emirates Skywards World Elite Card

• 1 year complimentary Amazon Prime membership

Welcome Offer: 

• Upto 120,000 bonus Skywards Miles
• 50,000 welcome bonus Miles
• 70,000 bonus Skywards Miles (subject to meeting spend thresholds)
• 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.
• Exciting travel and lifestyle benefits.

Up to 120,000 bonus Skywards Miles

*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

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

ADIB Etihad Classic Card

• 10,000 Etihad Guest Miles welcome bonus

Welcome bonus of 10,000 Etihad Guest Miles

• Welcome ​bonus of 10,000 Etihad Guest Miles
• Receive 1 Etihad Guest Mile for every AED 4 equivalent spent on international non-AED transactions
• Receive 0.75 Etihad Guest Miles for every AED 4 spent for local AED transactions
• Pay your annual fees using 12,500 Etihad Guest Miles
• Redeem your Etihad Guest Miles for Travel Bookings, Home Furnishing, Electronics and Gifts for family & friends

Earn Etihad Guest Miles

• International Non-AED Transactions: Receive 1 Etihad Guest Mile for every AED 4 equivalent spent
• Local AED Transactions: Receive 0.75 Etihad Guest Miles for every AED 4 spent for AED transaction
• Earn 0.25 Etihad Guest Miles for every 4 AED spent on Specific merchant transactions (supermarkets, govt services, utilities, education, fuel, real estate agents, public transport, salik, charities)

ADIB Etihad Gold Card

• 35,000 Etihad Guest Miles welcome bonus
• Free companion ticket voucher

Welcome bonus of 35,000 Etihad Guest Miles.

• Welcome bonus of 35,000 Etihad Guest Miles
• Receive 1.5 Etihad Guest Miles for every AED 4 equivalent spent on international non-AED transactions
• Receive 1 Etihad Guest Mile 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 Silver Tier
• Free Roadside Assistance 24/7 across the UAE
• Pay your annual fees using 30,300 Etihad Guest Miles
• 2 complimentary visits to over 850+ premium airport lounges
• International Non-AED Transactions: Receive 1.5 Etihad Guest Miles for every AED 4 equivalent spent
• Local AED Transactions: Receive up to 1 Etihad Guest Miles for every AED 4 spent for AED transaction
• Earn 0.5 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) 
• Min spend of AED 150,000(year) req for free companion ticket
• 5th supplementary card onwards annual fee is AED 1,000
• Maximum of 100,000 Etihad Guest Miles per month

ADIB Etihad Platinum Card

• 50,000 Etihad Guest Miles welcome bonus
• Free companion ticket on Etihad airways - any class
• Free valet parking, roadside assistance, lounge access

Welcome bonus of 50,000 Etihad Guest Miles.

• 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
• Fast track to Etihad Guest Gold Tier
• Valet parking at select locations in the UAE
• Pay your annual fees using 60,600 Etihad Guest Miles
• 4 free premium airport lounge visits per year globally
• 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) 

ADIB Rotana Rewards Exclusive Visa Card

• Exclusive discounts at Rotana properties
• Earn Rotana reward points on all spends
• Good travel & lifestyle benefits
• Up to 50% discount at any Rotana restaurant
• 20% discount on hotel room bookings via www.rotana.com
• Free Roadside Assistance
• Free ADIB Travel Desk
• Access to over 850 airport lounges available worldwide
• Earn Rotana Reward points on all spends
• Exclusive Visa dining offers
• USD $500,000 travel accident & inconvenience cover

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
• 5th supplementary card onwards annual fee is AED 1,250

Emirates Islamic Etihad Guest Platinum

• Up to 2 Etihad Guest Miles per USD spent
• Unlimited 10% miles back on flight redemptions & upgrades
• Discounts on dining, travel, hotels and shopping
• Get up to 5,000 Etihad Guest bonus Miles

3.15 % / Min AED103

• Unlimited 10% Miles back on booking/upgrading a flight with Etihad Guest Miles
• Convert your purchases made at etihad.com into convenient monthly installments, of 3 or 6 months. Processing fee of 2% will be applied.
• Complimentary Inflight wifi vouchers
• Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week.
• Extended Warranty Luxury Hotel Collection
• Global Assistance
• Purchase Protection time you make a purchase.
• Balance Transfer Facility
• Cash Advance

2 Etihad Guest Miles for spend at Etihad Airlines 1.5 Etihad Guest Miles for spend on international spends 2 Etihad Guest Miles for spend on two categories of your choice 2 Etihad Guest Miles for spend on domestic spend With Emirates Islamic Etihad Guest Platinum card, you will earn 2 Etihad Guest Miles for every USD 1 spent on Mobile Wallets & Online Transactions.

Deem Mastercard Titanium Miles Up Credit Card

• Earn up to 2x Miles on airline tickets & hotel reservations
• Earn 2x Miles at supermarkets and grocery stores worldwide
• First year free and second year based on annual spend
• 20% discount on 3 Careem rides every month

First year free. Continue saving on this fee if your yearly spend is AED 12,000 or more

• Earn 2x Miles Up on flight tickets: Earn 2x Miles Up on flight tickets purchased through airlines or travel agencies or websites, worldwide.
• 2x Miles Up on hotel reservations: Earn 2x Miles Up on hotel reservations made at hotel properties or their websites and travel booking websites, worldwide
• Earn 2x Miles Up at supermarkets: Earn 2x Miles Up when you spend in Supermarkets for everyday needs
• 0.5x on all other retail spends worldwide
• Attractive deals and discounts on dining, amusement parks, tourist attractions, entertainment experiences and more with the Deem Offers app
• 2x Miles up on airline tickets purchased worldwide
• 2x Miles up on hotel reservations
• 2x Miles Up at Supermarkets when you spend on everyday needs
• 0.5x Miles up on all retail spends worldwide

Minimum spend required to earn Miles Up on the Titanium Miles Up Credit Card is aed 1000. The maximum Miles Up that the Customer can earn per billing cycle for all retail spend 50,000 Miles Up. The Customer must have 10,000 Miles Up to be able to redeem their Miles Up for Rewards Option of redeeming Miles Up against flights or hotel bookings, buying electronics or against gift vouchers listed on the Deem rewards online portal.

• Miles Up tiers have min monthly spend criteria AED 1000

Deem Mastercard World Miles Up Credit Card

• 6 complimentary standard valet parking services each month
• Access to 1100+ airport lounges across the world
• 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
• 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
• Exclusive Avis & Hertz Car rental offers
• Luxury Serviced Apartment discounts

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

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.

• Minimum monthly spend of AED 2,000 required to earn miles
• Max. miles up that can be earned/billing cycle is 150,000

Dubai First Miles Exclusive Visa Infinite Card

Dubai First

• Premium luxury lifestyle & travel benefits
• Redeem DubaiFirst Miles for anyone
• 50,000 welcome bonus DubaiFirst Miles

3.00 % / Min 100

Earn DubaiFirst Miles 3 DubaiFirst Miles per 1 US $ on international retail spends 2 DubaiFirst Miles per 1 US $ on local retail spends Utilities & government spends do not earn any miles A maximum of 200,000 miles can be earned in a calendar month Redeem DubaiFirst Miles at the click of a button to fly for free more frequently, to more places, on more airlines, on any date, for anyone. You can also redeem your DubaiFirst Miles for over 200,000 hotels worldwide.

• Free airport drop/pick up has min ticket spend of 5,000
• Min spend of AED 2,500 for free valet parking

Dubai Islamic Emirates Skywards Infinite Credit Card

Dubai Islamic Bank (DIB)

• Earn up to 75,000 Bonus Skywards Miles
• Premium Lifestyle benefits
• 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.
• Earn up to 75,000 Bonus Emirates Skywards Miles
• Earn Skyward Miles on all spends
• 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
• Complimentary 365 days purchase protection
• Extended warranty that doubles the original manufacturer warranty
• Visa PayWave contactless technology

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

Dubai Islamic Emirates Skywards Platinum Credit Card

• 5,000 Bonus Skywards Miles

Earn bonus Skywards Miles:

5,000 bonus Miles on card activation.

• Earn 5,000 Bonus Emirates Skywards Miles
• Buy 1 Get 1 at Vox on Standard tickets on Sundays and 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy

Earn Skyward Miles per 1 USD spend:

• Earn 1 Skyward Mile on all Emirates spends
• Earn 0.75 Skyward Miles on all foreign currency spends
• Earn 0.5 Skyward Miles on all local currency spends

Dubai Islamic Emirates Skywards Signature Credit Card

• Earn up to 30,000 Bonus Skywards Miles

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

• Earn up to 30,000 Bonus Emirates Skywards Miles
• Complimentary access to over 850+ VIP lounges globally for cardholder
• Complimentary international concierge services
• Complimentary travel insurance with cover up to US $500,000
• Up to 3 free valet parking services per month in Dubai & Abu Dhabi

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

Emirates Islamcic Visa Infinite

• Extended_Warranty
• 50,000 Bonus Skywards Miles
• Fast track to Emirates Skywards Gold Tier membership
• Emirates Airlines Home Check-In service
• Complimentary valet parking, golf, airport transfer offers
• Upto 50,000 bonus Skywards Miles
• 4 complimentary Emirates Airlines Home check-in services within Dubai
• Unlimited Airport lounge access globally for cardholder plus a guest
• 4 Complimentary airport transfers per year
• Complimentary valet parking 4 times a year
• Complimentary golf rounds for the cardholder plus a guest

50,000 Bonus Emirates Skywards Miles - Get welcome bonus of 50,000 Skywards Miles on first spend.

Earn Emirates Skywards Miles Rewards:

• Earn Skywards Miles for every AED 3.68 equivalent spend:
• Emirates and flydubai spends: 3 Miles
• Foreign currency spends: 2 Miles*
• Local currency spends: 1.5 Miles*

Emirates Islamic Etihad Guest Ameera

• Unlimited 20% miles back on flight redemptions & upgrades
• AED 500 Noon voucher ( T&C's apply)
• Fast-Track update to Etihad Guest Silver Tier Status
• Fast-Track to Etihad Guest Silver Tier Status. Enjoy 2 complimentary wifi vouchers every membership year.
• Enjoy movie nights even more by getting 50% cashback on Cinema tickets, any day of the week.The maximum cashback a cardholder can earn 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.
• Enjoy 1 complimentary valet parking services per month at select locations across the UAE. All you have to do is present your Emirates Islamic Etihad Guest Ameera card at the valet parking desk.
• Purchase protection provides you with additional peace of mind every time you make a purchase. It protects your purchases against theft or damage so you can focus on finding the perfect gift.
• When you buy quality, you expect it to last. That’s why we automatically double the original manufacturer's warranty up to one year from the expiry date of the original warranty.
• 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, from anywhere in the world by simply calling Concierge hotlines.

3 Etihad Guest mile for spend at  Etihad Airline 2 Etihad Guest mile for spend at International Spend 2.5 Etihad Guest mile for spend at two chosen categories Upto 1.5 Etihad Guest mile for spend at domestic spend

Emirates Islamic Etihad Guest Ameera 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.

• AMF is 733.95

Union National Bank Egypt Air Gold Credit Card

• No annual fee
• Earn Egypt Air reward points on all spends
• Earn 1 Egypt Air reward point for every 1 AED you spend
• Automatic membership to Egypt Air’s frequent flyer programme
• 0% interest for up to 6 months on Egypt Air tickets
• Free emergency medical services in Egypt
• Balance transfer facility available
• Free online and mobile banking

Earn 1 Egypt Air reward point for every 1 AED you spend.

• 5th supplementary onwards fee is AED 105

Credit Card Types

• Cashback Credit Cards
• Islamic Credit Cards
• Points / Rewards Credit Cards
• No Annual Fee Credit Cards
• Business Credit Cards
• Premium Credit Cards

Travel Air Miles Credit Cards Features

• Travel / Air Miles Credit Cards with Air Miles
• Travel / Air Miles Credit Cards with Airport Chauffeur Services
• Travel / Air Miles Credit Cards with Airport Lounge Access
• Travel / Air Miles Credit Cards with Balance Transfer
• Travel / Air Miles Credit Cards with Car Registration
• Travel / Air Miles Credit Cards with Cinema Tickets
• Travel / Air Miles Credit Cards with Contactless Tech
• Travel / Air Miles Credit Cards with Dining Offers
• Travel / Air Miles Credit Cards with Emirates skywards
• Travel / Air Miles Credit Cards with Extended Warranty
• Travel / Air Miles Credit Cards with Golf offers
• Travel / Air Miles Credit Cards with Health & Fitness
• Travel / Air Miles Credit Cards with Life Insurance
• Travel / Air Miles Credit Cards with Purchase Protection
• Travel / Air Miles Credit Cards with Roadside Assistance
• Travel / Air Miles Credit Cards with Travel Insurance
• Travel / Air Miles Credit Cards with Valet Parking

Travel Air Miles Credit Cards by Bank

• Abu Dhabi Commercial Bank (ADCB) Travel / Air Miles Credit Cards
• Abu Dhabi Islamic Bank (ADIB) Travel / Air Miles Credit Cards
• Al Masraf Travel / Air Miles Credit Cards
• American Express Travel / Air Miles Credit Cards
• Citibank Travel / Air Miles Credit Cards
• Commercial Bank International (CBI) Travel / Air Miles Credit Cards
• Commercial Bank of Dubai (CBD) Travel / Air Miles Credit Cards
• Deem Travel / Air Miles Credit Cards
• Dubai First Travel / Air Miles Credit Cards
• Dubai Islamic Bank (DIB) Travel / Air Miles Credit Cards
• Emirates Islamic Travel / Air Miles Credit Cards
• Emirates NBD Travel / Air Miles Credit Cards
• First Abu Dhabi Bank (FAB) Travel / Air Miles Credit Cards
• HSBC Travel / Air Miles Credit Cards
• Mashreq Bank Travel / Air Miles Credit Cards
• Najm Travel / Air Miles Credit Cards
• Noor Bank Travel / Air Miles Credit Cards
• RAKBANK Travel / Air Miles Credit Cards
• Standard Chartered Bank (SCB) Travel / Air Miles Credit Cards
• Union National Bank (UNB) Travel / Air Miles Credit Cards
• United Arab Bank (UAB) Travel / Air Miles Credit Cards

What is an Airmiles reward credit card and how does it work?

An Airmiles credit card is a credit card which rewards cardholders for making purchases on the credit card by giving them incentives in the form of airmiles linked to specific airline miles programs. These airmiles can be redeemed against flight tickets, ticket upgrades, hotel stays and so on. Emirates Skywards Miles and Etihad miles are popular co-brand credit cards airmiles cards that certain banks offer in the UAE.

What are the maximum airmiles one can earn on an airmiles credit card?

Usually, one can earn airmiles on spends limited to the total credit limit available on the credit card. If your credit limit is AED 100,000 and 1 AED of spend earns 1 mile, then a maximum of 100,000 miles can be earned in a statement cycle. Please note, there may be some categories of spend which may not earn any airmiles or that may earn fewer airmiles. It is advisable to review this carefully before deciding on which credit card to apply for .

Which are the best airmiles credit card in the UAE?

The best way to identify airmiles credit cards that can provide the maximum saves is to compare the credit cards available based on one’s individual spend patterns. This can be different for individuals based on their unique spend patterns and also their preferred lifestyle features (movies, golf, airport lounge, valet offers etc.). Find the credit card which gives you the maximum saves here.

Which are the popular Airmiles Credit Cards in the UAE?

ADIB Emirates Skywards World Elite Card, Citibank Emirates Ultima, Dubai Islamic Emirates Skywards Infinite Card, FAB Etihad Guest Infinite Card, ADCB Etihad Guest Infinite Card are a few popular air miles credit cards available in the UAE .

How can I spend my Emirates Skywards Miles?

Emirates allows you to book flights using miles in two ways - 1) Cash + Miles, where you choose how many miles you want to use and then pay for the rest of the fare, and 2) Classic Rewards, where you pay for the full cost of the fare using Emirates Skywards miles.

What is the validity of Emirates Skywards Miles?

Although your Skywards Miles must be redeemed before they expire, you can use them to book a reward ticket that is valid for up to 12 months. This means that even if you can't travel before your Miles expire, you can still redeem them now for a future trip.

What is the minimum skywards miles required for redeeming rewards?

Flight rewards start from only 15,000 Skywards Miles and you can fly anywhere on the Emirates network. You have a choice of Skywards Saver rewards tickets or Skywards Flex reward tickets in any class of travel.

How does one redeem airmiles earned on their airmiles credit card?

Airmiles redemption is simple and easy. Most of the airline linked airmiles require customers to login to their rewards portal and redeem the earned points against new or existing bookings. They also have options of redeeming earned miles against hotel bookings and other categories.

Where and how do I compare airmiles credit cards offered in the UAE?

Soulwallet offers quality information on over 30+ credit cards with airmiles as rewards offered in the UAE. One can visit the airmiles page and make use of the detailed and quality comparisons available. There are several filters which can further help customers narrow down their options.

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FAB Cashback Credit Card

Minimum Salary AED 5,000

Annual Fee AED 315

Top Reasons To Choose

• Free Supplementary Card
• 5% cashback on supermarket , fuel & Utilities
• Cinema Offers
• AED 300 Cashback Welcome Bonus

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How to Choose the Best Travel Credit Card in the UAE

• August 19, 2021

Traveling can lighten up the frayed horizons of your life when it seems too drab. Your journey becomes even more interesting if you travel with a credit card that offers traveling benefits.  

You can get the best travel credit card in the UAE by browsing through a variety of choices that are offered by a variety of banks and non-banking financial organizations. If you are familiar with the basics and you know how to find the right card, then you are set to enjoy maximum benefits. Travel credit cards in the UAE come with various attractive reward programs, guest miles, cashback schemes, and more to help you save the most on your travel plans. There are various other special perks that you can get if you choose your credit card wisely.

Banks in the UAE offer numerous credit cards and its likely to feel overwhelmed with the choices. To help you make the right choice, we are here with an ultimate guide that’ll help you pick up the best travel credit cards in the UAE . 

Things to Consider While Choosing a Travel Credit Card in the UAE

Here is a list of things you must keep in mind while choosing a travel credit card in the UAE.

• A Huge Welcome Offer: The best travel credit cards in the UAE offer attractive welcome offers for the applicants. Most credit card lenders offer guest miles or cashback points as a welcome bonus to attract more applicants. You might need to meet some minimum spending threshold to avail of this benefit, but as soon as this welcome bonus gets credited to your credit card account, it may get you closer to buying a free flight or hotel stay. Make sure you choose a travel credit card with a huge welcome offer.  
• Low Annual Fee: Most travel credit cards in the UAE that offer excellent travel benefits come with an annual membership fee requirement. Travel credit cards with an annual fee also offer better reward schemes and other offers. These rewards help cardholders get better access to the services and have complimentary travel protection . It is worth paying an annual fee for the cardholders who travel a lot, as they save more than they spend on the fees.  
• No Foreign Transaction Fees: Travel credit cards are of great use when you are overseas as they get you the best exchange rates. However, if you pay a transaction fee every time you swipe your credit card, it doesn’t become as good. Many banks and financial institutions in the UAE offer travel credit cards with no foreign transaction fee. Make sure you find yourself one of those kinds.  
• Special Travel Benefits: All the travel credit cards in the UAE offer some additional perks such as airport lounge access, free checked baggage, priority boarding, and much more. With a few travel credit cards in the UAE, you can get special memberships or elite loyalty status. Make sure you choose a credit card with such additional benefits to make your life easier.  
• Additional Spending Bonus: Most travel credit cards in the UAE offer one reward point for every AED spent. However, some good credit cards will offer extra points for shopping at some selective retailers. If you have some preferred brands or retail outlets where you shop, look for a credit card that is specific to those brands. This will help you earn more cashback or reward points in no time.  
• Travel Insurance: The best travel credit cards in the UAE offer complimentary travel insurance for cardholders. This helps you get compensation for the inconvenience caused to you due to some unexpected events such as flight delays, loss of luggage, etc. Make sure you choose the travel credit card that offers travel insurance for you and your family members. 

How to Apply for a Travel Credit Card in the UAE?

You can apply for a credit card in the UAE in two different ways.

Apply for a Travel Credit Card Offline

Here are the simple steps to apply for a travel credit card offline.

• Visit the nearest branch of your preferred credit card provider.
• Fill out the application form and submit it with all the required documents.
• Once done, the bank will verify your details and issue a credit card within 5 to 7 working days.

Apply for a Travel Credit Card Online

Here are the simple steps to apply for a travel credit card online.

• Visit your preferred credit card provider’s website to check the available travel credit card options. 
• Go through the features and benefits of all the travel credit cards and choose the one that fits all your needs.
• Download the application form, fill it up, and submit with all the essential documents
• Once done, the bank representative will contact you to verify your details and ask for your preferred delivery address.

Also Read - Black Magic: The Invite-only Credit Card You Wish You Had

The Bottom Line

If you are a frequent traveler, getting a travel credit card with excellent reward schemes can be the best idea of putting money back into your pocket. However, you must not spend more than you can afford and know how to use your credit card responsibly.

We hope this guide helps you choose the right travel credit card that offers the perks you want. Make sure you apply for the best travel credit card in the UAE and learn to travel almost for free!

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5 Must-Have Travel Credit Cards in the UAE

Best credit cards for frequent travelers in UAE. Use XareClub to avail all credit card benefits in one.

If you want to see the world without breaking the bank, it might be time take advantage of those credit card rewards. Exchange rates? Fraud protection? Convenience that saves both money and stress levels? Sign us up! Before setting off on your vacay adventure, consult this list of superlative travel cards in UAE - everything from premier perks to budget options are all there for you!

1. Standard Chartered Bank Manhattan Rewards+ Credit Card

This credit card is ideal for users who have high spending locally and internationally and are looking for high rewards. With this card, you can convert your loyalty points into Emirates Skywards, Etihad Guest, and hotel loyalty programs to receive added discounts on your travel fare. More benefits include :

- VIP guest status at over 900+ international properties and access to 1000+ airport lounges in over 300 cities.

- Discounts on concierge services - including customs & immigration clearance, limo transfers, visa-on-arrival services, and more.

- Medical and travel insurance for cardholders and their families on all trips up to 90 days in duration.

2. Abu Dhabi Commercial Bank Etihad Guest Platinum Credit

This card is designed exclusively to meet the high standards of a sophisticated individual of today's times. It claims to complement the modern lifestyle of an individual and make sure that the travel of cardholders is a rewarding affair. It is equipped with the following perks :

- Earn 12,000 Etihad Guest Miles as a welcome bonus and 1,000 Etihad Guest Miles as a monthly bonus.

- Travel benefits include access to VIP lounges, 900+ luxury hotels with free room upgrades, and discounts on car rentals.

- 2-for-1 offers at elite restaurants, spas, fitness outlets, and other entertainment across the Middle East.

3. Emirates Islamic Etihad Guest Platinum Credit Card

This card has numerous profitable features, including a complimentary upfront Etihad Guest Gold membership. It offers up to 10 miles for every AED 10 spent and various lifestyle perks such as buy-1-get-1 movie tickets. It is ideal for frequent travelers as it offers :

- 100,000 Miles on spending AED 120,000 for the first 6 billing statements.

- 10% cash-back on Etihad Airways.

- Miles on all your local and international purchases through the card.

4. Citibank Emirates Citibank World

This card lets you turn your daily spending into free reward flights with Emirates & flydubai. It offers the travel benefits listed below, as well as lifestyle benefits such as complimentary movie tickets, discounts on luxury dining, and lets you redeem your Skywards miles conveniently.

- Complimentary and unlimited global access to 1000+ airport lounges worldwide

- Dining and entertainment discounts locally and across 95 countries

- AED 400 Joining bonus upon meeting minimum spend.

5. RAKBANK Emirates Skywards World Elite Mastercard Credit

This card offers privileges at 2,500+ 5-star hotels and resorts, as unique benefits on vacation packages and a selection of cruises. This card also offers a wide range of lifestyle services: dining, entertainment, flights, and car rental options. More perks include :

- Emirates Skywards Silver tier membership and a fast track to the Gold tier membership offer the best deals on Skywards miles.

- Access to over 1000 airport lounges and complimentary airport pick-up and drop-off service.

- Get up to 7% discount on all travel packages (flight & hotel) and enjoy a complimentary third night on booking two nights with Oberoi Hotels & Resorts.

The right card for you is based on your goals and circumstances. Always calculate your spending and consider how you would use the benefits before applying for a new card. However, the process of shortlisting and choosing a card can be confusing.

With Xare, gone are the days of needing a bank account for credit cards – now you can access those perks without even owning one! And with XareClub, it's like having your very own "super card"; invite friends and family to join in on their awesome rewards so that everyone gets to share the benefit. Now you don't have to be stuck only using what's under your name; expand your options by joining an existing club or creating one yourself - more members means more advantages!

XareClub offers lucrative features, such as ;

• Exclusive offers on club members' cards,  

• Efficient and easy overseas spending,  

• VIP privileges like lounge access, concierge services, etc.,  

• Rewards when others shop on your card,

and so much more! To avail the ultimate plethora of benefits, join Xare today !  

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A handy list of top credit cards for expats in Dubai

• Best Cashback Credit Cards
• Best Rewards Credit Cards
• Best Travel Credit Cards
• Documents Required

With the growth of e-commerce businesses in the region and the need for cashless transactions increasing over the years, credit cards have become necessary for most expats in the UAE. Whether it is for shopping, travelling or managing financial requirements, you will find an appropriate credit card that suits your lifestyle and spending habits in Dubai. Many of these credit cards also offer additional perks, including reward points, exclusive memberships and discounted offers. If you are looking at the benefits of some of the top credit cards in Dubai for expats, take a look at our detailed post.

Best Credit Cards in Dubai for Expats 

Having a credit card, without a doubt, makes life a lot easier since online transactions and cashless payments are very much the norm these days. Therefore, banks in the UAE have introduced appropriate cards to cater to different needs.

We understand that choosing the right card can be a daunting task considering that every credit card comes with an exclusive set of key features and benefits. And this is why we have put together a list of the best credit cards for expats in Dubai. Take your pick from the best cashback cards, travel credit cards and credit cards that offer shopping and lifestyle benefits.

BEST CASHBACK CREDIT CARDS

Cashback cards, as the name suggests, would allow you to get a fixed percentage of the transaction in the form of cash. Some banks offer cashback points that can be redeemed for discounts and other offers.

Standard Chartered Platinum X Card 

Standard Chartered Bank is one of the leading banks in the world. If you use a credit card regularly, this SC Platinum Card can help you bag useful discounts on many grocery stores, cinema tickets, school fee payments, utility bills and more. You can earn up to AED 1,000 cashback a month. This includes a 10% discount on online payments, international currency spending and payments using mobile wallets.

One can even earn an additional cashback of AED 3,500 when using the card at the launch partners like Deliveroo, Reel Cinemas, Samsung, Careem and Tajawal.

• Minimum Salary Requirement: AED 5,000
• Annual Fee: AED 525

RAKBANK Titanium Credit Card 

The second entry on our list of top credit cards for expats in Dubai is the RAKBank Titanium Credit Card. This particular card is preferred for its comprehensive benefits and privileges. In fact, its cashback policy is one of the most generous in the industry.

This RAKBank card gives you a 5% cashback on dining and supermarket purchases and a 50% discount on cinema tickets. In addition, you can earn up to 2% cashback on your international and domestic purchases.

Furthermore, cardholders get access to Cairo, Kuwait, Jordan, Dubai and Abu Dhabi airport lounges.

• Minimum Salary Requirement: AED 8,000
• Annual Fee: No fee

Citi Cashback Credit Card 

This entry on our list offers a 2% cashback on grocery shopping and 1% cashback on all other expenses. On purchases made in foreign currency, you can earn a 3% cashback.

Complimentary travel insurance and access to 850 airport lounges across the world are some of the benefits of using a Citi Cashback Credit Card.

• Annual Fee: No fee for the first two years if the minimum spend of AED 9,000 is met. 

Mashreq SmartSaver Credit Card

Mashreq Bank’s SmartSaver Credit Card is known for its excellent cashback rewards on shopping. You can get cashback at supermarkets, online shopping websites and auto rentals. Customers can get up to 1% cashback on international spending and 0.5% cashback on all local spending. The great news is there are no caps on the cashback.

BEST REWARDS CREDIT CARDS

The best rewards credit cards in this list offer lifestyle discounts, travel miles and other perks to cardholders.

HSBC Platinum Select Credit Card 

Using your HSBC Platinum Select Credit Card can help you earn 1 air mile for every AED 4 spent, buy one get one free on cinema tickets and complimentary Entertainer App. In fact, HSBC is one of the best banks if you are looking for credit cards with cinema offers .

• Minimum Salary Requirement: AED 10,000

Emirates NBD Titanium Card

The Emirates NBD Titanium Card gives you access to premium airport lounges across the world. Moreover, it offers discounts on thousands of restaurants across the UAE, the Middle East and Europe.

You can earn 1 Plus Point for every AED 100 spent. For golf lovers, this is the perfect card as you get a 40% fee discount on some of the top golf courses across the world. Additionally, there’s a 15% off on all golf equipment purchases.

BEST TRAVEL CREDIT CARDS

If you are a frequent traveller, you would know that managing travel expenses is no easy feat. Booking hotels and air tickets every now and then can take a toll on your bank balance. Considering your travel needs, you can opt for a travel credit card that offers a host of benefits such as free lounge access, travel miles, complimentary travel insurance and discounts on air tickets.

ADIB Etihad Guest Visa Platinum Card

Frequent travellers can save a lot of money with the ADIB Etihad Guest Visa Platinum Card. You get 3 Etihad miles for every AED 4 spent and these miles would come in handy when travelling with Etihad Airways. 

Other benefits include access to airport lounges, free valet parking at some of the best malls in Dubai and Abu Dhabi and more. 

• Annual Fee: AED 2,000

CBD Al Islamic Visa Infinite Card

All new cardholders opting for this credit card are given multi-travel insurance. You can collect loyalty points and redeem them as cashback or as air miles. Another important feature is that no foreign exchange fee applies to overseas expenses. When travelling, you get complimentary airport lounge access at over 1,000 airports across the world. In the UAE, you can get a 50% discount on VOX, Reel or Novo Cinema tickets.

• Minimum Salary Requirement: AED 20,000
• Annual Fee: No fee for the first year 

Union National Bank Titanium Credit Card

Another excellent credit card for expats in Dubai, the Union National Bank Titanium credit card offers numerous benefits. All new customers get a bonus of AED 500 as UNBmiles. When you spend AED 1 locally, you receive a reward of 3 UNBmiles on all transactions made using the credit card. This can be used at Telco’s globally for air flights to renting a car.

Moreover, the card holders are offered airport lounge access across the GCSE.

THINGS TO CONSIDER BEFORE GETTING A CREDIT CARD

It is best to do some research before getting any kind of credit card. Here’s what you need to consider before applying for a credit card in Dubai.

Salary Requirements

Most banks have a minimum salary requirement for people who want to apply for credit cards. So, before getting in touch with the bank, just check out their requirements online. At times, the place of employment can also make a difference when it comes to getting your application approved. Basically, there is no one set of rules that fits all applications. Hence, a little bit of research goes a long way toward choosing the right card. 

When calling a bank, the first question should be ‘ what is the minimum salary for expat credit cards in Dubai?’

Interest Rates

Interest rates are another factor that you should consider carefully. It is best to opt for credit cards with the lowest possible interest rates.

Annual Fees

How much will you end up paying for the credit card services? Read more about the fees, especially the fine print details. You need to have all the numbers right before making the final commitment.

Other Charges

At times, the bank can waive off the annual fees for a limited period, but they might have other charges. As a consumer, you need to look for any hidden fees before choosing a credit card.

Foreign Currency/Exchange Rates

Most credit cards for expats in Dubai often offer decent foreign currency rates. Depending on how much you travel, this could be a really important deciding factor. 

Benefits and Rewards

We recommend that you compare two to three credit cards to know more about their benefits. For example, not all travel credit cards offer the same perks when it comes to bonus air miles, discounts on air tickets and bookings and access to premium airport lounges. Similarly, parents with school-going kids can opt for cards that offer discounts on annual tuition fees. Evaluate these benefits while keeping in mind the annual credit card fee before reaching a conclusion.

The International Airport Lounges at the Dubai Airport are incredible. So having a credit card that offers access to one of these lounges is a real bonus.

Documents Required for Credit Card Application

Typically, documents required to proceed with a credit card application include:

• Your passport copy
• A valid UAE visa
• Emirates ID
• Certificate of salary
• Bank statement of salary for three months

Self-employed individuals have to provide proof of steady income. Please note that these requirements may vary depending on the bank. Also, make sure to check your UAE visa status online to know about its validity before applying for a credit card.

FREQUENTLY ASKED QUESTIONS

Who can apply for a credit card in the uae.

All UAE residents aged 21 or above with a valid Emirates ID can apply for a credit card in Dubai. Nonetheless, you should meticulously check your eligibility before signing up for any credit card. 

WHICH CARD SHOULD I CHOOSE?

The answer to this question depends on your specific needs and financial requirements. For example, if you are a frequent traveller, consider getting a credit card that offers premium lounge access and travel miles. If you love shopping and dining out, get a credit card that gives you lucrative benefits and privileges in the form of lifestyle discounts.

There are some top banks in Dubai that offer excellent benefits with cards. All you have to do is choose the one which offers deals on things you purchase regularly. For instance, if you are a regular traveller, it would be wise to go for credit cards that offer air miles .

HOW MANY CARDS CAN I APPLY FOR AT THE SAME TIME?

There is no specific limit or number. You are allowed to have more than one credit card at a time provided that you can manage them without having a negative impact on your credit report.

CAN I WITHDRAW CASH USING MY CREDIT CARD?

Yes, you can. However, remember that there are charges associated with this cash withdrawal.

This wraps up our list of the top credit cards for expats in Dubai. What do you love most about your favourite credit card? Please share your experience in our comments section.

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6 Best Air Miles Credit Cards in UAE to Save Big on Flights

Looking for an Air Miles credit card? If you are scratching your head out of curiosity to know more about the topic, be glad as there is a lot of exciting stuff coming your way.

The Public in the United Arab Emirates has been spoilt for choice in terms of access to a wide selection of credit cards. You can get your hands on one pretty easily given that you are employed and have a decent salary to pay the bills. People generally prefer cards with added benefits to make the most of their purchases and save on flights, dining, shopping, and leisure activities.

While some cards allow the holder to save up big on school fees, others allow customers to get discounts on flight tickets and access the VIP lounge and premium amenities. If you are a frequent flyer and looking for ways to save on your air tickets, Air miles credit cards can help you to avail of exclusive discounts and promotions when booking flights to and from UAE.

What are Air Miles Credit Cards?

A notable benefit that most of the best credit cards in UAE offer to their customers is Airmiles. A cardholder can earn miles every time they swipe their air miles credit cards at transaction machines across the country and internationally too. This applies to online shopping as well.

The earned air miles can be redeemed for discounts on flight tickets, retail stores, restaurants, and leisure spots. If you use your credit cards quite frequently, you can utilize these exclusive options to earn air miles and can even get free air tickets once in a while. How exciting is that? Want to read more? Let’s dive right in and find out some of the best air miles credit cards with exclusive benefits in UAE.

Best Air Miles Credit Cards in UAE

Now that you are familiar with the concept of air miles credit cards, you must be wondering what the best options available in the market are. To your surprise, there is a myriad of best credit cards in UAE that allow cardholders to earn air miles every time they spend money using their credit card.

To help you get sorted, here is a list of air miles credit cards that you may sign up for to enjoy cheaper flights and discounted shopping deals along with other exclusive benefits.

Citibank Emirates Ultima Card

Citibank Emirates Ultima Card is the first one to make it to our list of best air miles credit cards in UAE and there are good reasons for it. To enjoy the exclusive benefits that the card promises to offer, one must:

• Be a part of the Emirates Airlines’ Skywards Frequent Flyer Program .
• Have a minimum salary of AED 36,750 per month.
• Pay an AED 3,000 annual fee
• Eligible cardholders can enjoy the following benefits and perks:
• Earn up to 2.5 Skywards miles for every US dollar spent using the card
• Earn up to 25,000 bonus miles for the first year after successful sign-up
• Earn an additional 10,000 bonus miles for card renewal next year.
• Automatic upgrade of the Skywards Account to Silver status
• Access to Emirates Business Class Lounge
• Complimentary golf sessions at popular golf clubs across the country
• Access to international concierge service
• Complimentary travel medical insurance

American Express Platinum Card

American Express Platinum Card can be another attractive option for earning air miles to save on flights. The card is designed for customers who fly frequently and want to cut the costs of their flight expenses. With this card, you can earn reward points and redeem them for air miles that can be used to avail of benefits across 12 different airlines. Emirates Airlines and Etihad Airways are prominent airlines on the list making this card an ideal option for those residing in UAE.

• You can earn up to 2 reward points for every dirham spent.
• Exchange your rewards for air miles with any of your preferred flyer programs and save on flight tickets
• Get up to 56 days of interest-free credit
• Spend AED 10,000 during the first 3 months to get an AED 700 discount on the annual fee
• Spend AED 40,000 annually and get exempted from paying the annual fee

NBD Etihad Guest Signature Card

The next credit card that we have on our list of best air miles credit cards in UAE is NBD Etihad Guest Signature Card . For the residents of Abu Dhabi, this credit card can be a life changer. If you are a frequent flyer of Etihad Airways you can enjoy a bundle of benefits offered by a wide selection of NBD cards designed exclusively for the members of the Etihad Airways Frequent Flyer Program .

The Etihad Guest Credit Cards accommodate varying salary levels to facilitate maximum customers. The Signature Card in particular combines the best of value with lucrative benefits.

• Get an upgrade to the Silver Tier if you earn a minimum of AED 20,000 per month.
• Pay an annual fee of AED 1,500 to access Etihad’s business class lounges across the globe.
• Get exclusive vouchers to get up to 50% discount on two flights a year.
• Enjoy 10% off on Etihad Holidays purchases
• Get complimentary Wi-Fi vouchers and airport transfers at Abu Dhabi International Airport and Dubai International Airport
• Get discounts on movie tickets and access specified golf clubs across the country.
• Get 3.5 Etihad Guest Miles for every AED 10 spent across UAE.
• Earn 5 miles for every AED 10 spent on international transactions.
• Earn up to 7 miles for every AED 10 spent on online shopping
• Earn 2.5 miles for every AED 10 spent on a balance transfer through another bank card.

Emirates Islamic Skywards Infinite Card

Emirates Islamic Skywards Infinite Card is another good option if you are looking around for credit cards to earn air miles. The card offers incredible benefits including an attractive miles-earning potential.

• To enjoy the exclusive benefits, you must
• Earn a minimum salary of AED 25,000 per month
• Pay an annual fee of AED 2,000

Eligible cardholders can enjoy the following benefits:

• Get a complimentary bonus of 20,000 Skywards miles for signing up
• Earn up to 32,000 Air Miles a month for making maximum purchases using the card
• Redeem your air miles to get free and discounted flight tickets
• Enjoy complimentary access for two at more than 500 airport lounges across the globe
• Get discounts of up to 30% at restaurants and eateries across the UAE
• Get exclusive discounts on retail outlets in Dubai, Abu Dhabi, and other emirates

Mashreq Solitaire Visa Card

Mashreq Solitaire Visa card is another good option you may consider if you prefer to earn miles for purchases made through your credit card. There is a plethora of benefits that you can enjoy along with generous air miles credited into your account to avail of cheap flight tickets and discounted dining options

Eligibility Criteria:

To be eligible to apply for the card, you must:

• Have a minimum monthly salary of AED 25,000
• You must pay an annual fee of AED 1,500

As an eligible cardholder, you will be entitled to the following perks and benefits:

• Cashback of up to AED 2,500 given that a minimum of AED 100 is spent at least three times during the first two months after signing up
• 20% cashback when spending money on Zomato, Noon, Netflix, Talabat, Amazon, Etisalat, DubaiNow, and Uber
• Access to premium golf clubs
• VIP lounge access at airports
• Free pick-and-drop service at select airports
• Up to 30% discounts at select restaurants across UAE
• Customized loyalty solutions with Salaam points

ADIB Etihad Guest Classic Card

Last but not the least, ADIB Etihad Guest Classic Card can be a suitable choice for people looking around for credit cards to earn miles for their purchases. Grab an array of benefits along with other exciting benefits if you are a member of Etihad Airways’ Frequent Flyer Program.

As a starter, you need to be earning a minimum of AED 5,000 per month to enjoy the benefits.

An annual fee of AED 500 has to be paid to continue using the facilities offered by the card.

• Earn 10,000 bonus miles after signing up
• Enjoy an additional 5,000 miles as a bonus if you meet the eligibility criteria.
• Use your card for most of your purchases and earn hundreds and thousands of miles per month.
• Get special travel fares, up to 4 supplementary cards, and complimentary roadside assistance

This is not an exhaustive list but rather some of our favorite picks from a wide selection of air miles credit cards available for the public in UAE. Other best credit cards in UAE that you may consider signing up to earn air miles include Emirates NBD Skywards Infinite Credit Card, Najm Voyager Platinum Credit Card, and Najm Voyager Signature Credit Card.

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Best no annual fee travel credit cards of April 2024

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.  

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  

Travel rewards cards are a lot like gyms. The best ones may come with tons of added benefits (saunas, yoga class, etc.) but they also cost a lot, usually with a big financial commitment upfront. 

As a result, whether you’re considering a Chase Sapphire Preferred ® Card (with its $95 annual fee) or a CrossFit membership, you probably have the same question on your mind: will I really use it enough to justify paying for it? 

While there aren’t any free gyms we know of, there thankfully are plenty of no-annual-fee travel rewards cards that require essentially zero commitment. And just like an ab roller or a Richard Simmons DVD, you can simply use them a few times, forget about them, and put them in a drawer until beach season. Or, you can stick with it and make them part of your daily routine—whatever works for you.

You’re also far more likely to see “instant results” with these cards, too. From 100,000-point welcome bonuses to rewards for paying rent, free travel insurance to 3X on gas, these cards offer way more than you’d expect for a fee of $0 per year. 

The best no-annual-fee travel cards for April 2024

Best overall: bilt mastercard, best for hotel rewards: ihg one rewards traveler credit card, best for airline rewards: united gateway℠ card, best for travel earnings: wells fargo autograph℠ card, best for flat-rate earnings: capital one ventureone rewards credit card.

The Bilt Mastercard allows you to earn points from paying rent and transfer them 1:1 to well over a dozen different travel partners including United MileagePlus and Marriott Bonvoy. Toss in some surprisingly robust travel insurance and you have our unconventional—yet logical—choice for the best overall no-annual-fee travel card of 2024.

Bilt Mastercard®

See Rates and Fees

Special feature

Rewards Rates

• 1x Earn 1X points on rent payments without the transaction fee, up to 100,000 points each calendar year
• 1x Earn 3X points on dining
• 2x Earn 2X points on travel
• 1x Earn 1X points on other purchases
• Use the card 5 times each statement period to earn points.
• Select Learn More to learn about product features, terms and conditions.
• Uniquely earns points on rent
• Rent Day bonus every first of the month offers double points (excluding rent)
• Robust travel transfer partners
• Cash redemption rate is poor
• No traditional welcome bonus
• Travel perks: Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver
• See this page for details
• Foreign Transaction Fee: None

Why we like this card: As mentioned, the Bilt Mastercard’s most compelling feature is that it allows you to pay rent with a credit card—even if your landlord doesn’t take plastic—and avoid the transaction fee paying rent by credit card would typically incur. Then, as long as you complete five transactions each month, you’ll trigger 1X rewards on your rent payments. 

Note that rewards on rent are capped at 100,000 points per year.

In terms of earning potential, if you pay the median ~$2,000 rent in the U.S., you could earn approximately 24,000 points per year which can be used to book travel in Bilt’s portal at a value of 1.25 cents per point or transferred to any of Bilt’s airline or hotel partners at a 1:1 ratio. In other words, you could likely earn a domestic flight with United or a weekend stay at Hyatt, all for simply paying rent on time.

The Bilt card also provides trip cancellation and interruption protection, trip delay reimbursement, and primary rental car insurance (terms apply)—perks you wouldn’t typically find on a no-annual-fee credit card.

If you’re looking for a hotel rewards card that offers the most free nights for no annual fee, wait until you read about the IHG One Rewards Traveler Credit Card. With a six-figure welcome bonus, up to 17X on stays and other compelling rewards, it’s currently the gold standard for no-fee hotel rewards.

IHG One Rewards Traveler Credit Card

Intro bonus.

• 17x Earn up to 17X points when you stay at IHG Hotels & Resorts 
• 3x Earn 3X points on dining, utilities, internet, cable, and phone services, select streaming services, and at gas stations
• 2x Earn 2X points on all other purchases
• Generous welcome bonus not typically seen in a $0 annual fee card
• Travel protections that are unusual for a no-annual-fee card
• Fourth night free on award bookings
• Limited redemption options outside of IHG
• IHG points are worth less than some other rewards currencies
• Silver status granted with the card has limited benefit
• Additional perks: Trip cancelation/interruption insurance, auto rental collision damage waiver, purchase protection, ability to spend to Gold status
• Foreign transaction fee:None

Why we like this card: We like calling the IHG One Rewards Traveler card the “Liam Hemsworth” of travel rewards cards because it lives in the shadow of its big brother—the IHG One Rewards Premier Credit Card —but still delivers plenty of quality and substance in its own right (with no annual fee, to boot). 

For starters, you can get a welcome bonus of 80,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening, potentially worth around $500 to $700 in IHG redemption. 

Plus, enjoy up to 17X points when you stay at IHG Hotels & Resorts, instant Silver Elite status and a handy bonus where you redeem points for three consecutive nights and get the fourth night in your stay free. So, if you book a three-night stay using your welcome bonus, you’ll essentially be getting a complimentary four-night stay at a nice IHG property for no annual fee. The IHG One Rewards program could be very rewarding for the right traveler.

Check out our full review of the IHG One Rewards Traveler .

As a no-annual-fee airline card, the United Gateway℠ Card currently edges out its rival the Delta SkyMiles® Blue American Express Card by offering a more generous welcome bonus and travel insurance that the Delta card does not provide. If you fly occasionally and would like to earn miles, but aren’t willing to make the commitment of $95 or more for a mid-tier airline card with more perks, the Gateway is a strong choice. 

United Gateway℠ Card

• 2x 2 miles per $1 spent on United® purchases, including tickets, Economy Plus, in-flight food, beverages and Wi-Fi, baggage service charges and other United purchases.
• 2x 2 miles per $1 spent on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit.
• 1x 1 mile per $1 spent on all other purchases
• No annual fee or foreign transaction fee
• Reward bonus categories outside of United Airlines
• Robust travel protections for a no-annual-fee card
• No baggage or expanded award availability benefits like with other United cards
• Subject to Chase 5/24 rule.
• United perks: 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
• Other perks: Auto Rental Collision Damage Waiver, Trip Cancellation/Interruption insurance, Purchase Protection, Extended Warranty
• Foreign transaction fee: None

Why we like this card: The United Gateway card offers 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting plus 1 mile per $1 spent on all other purchases. Considering a United Mile is worth roughly around 1.2 cents these days, effectively earning 2.4 cents back on everyday purchases is a solid value proposition. 

You’ll also get a welcome bonus of 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. And, you can save with a discount of 25% back on United in-flight and Club Premium drink purchases. 

New cardholders will enjoy a 0% Intro APR on Purchases for 12 months, after 21.99%–28.99% variable applies.

If the United Gateway card has a small lead on the Delta Skymiles Blue Amex at this point, it soars ahead (pun intended) when you look at the included travel and shopping protections. Both cards offer secondary rental car insurance, but only the Gateway includes trip cancellation and interruption insurance, purchase protection and extended warranty protection. 

So, if you’re seeking a no-annual-fee card you can use to rack up miles—and you either tend to fly United most of the time or you’re at minimum not devoted to a competing airline—the United Gateway is the card to beat.

Check out our full review of the United Gateway Card for more info.

To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page  

With a generous welcome bonus in exchange for an attainable spend amount, 3X on travel, and a fancy name, you’d think the Wells Fargo Autograph℠ Card would command an annual fee of at least $95. But it doesn’t, making it a superb candidate for general travel use.

Wells Fargo Autograph℠ Card

Intro bonus.

• 3X 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans
• 1X 1X points on other purchases
• No annual fee
• 20,000 bonus points when you spend $1,000 in purchases in the first 3 months (that's a $200 cash redemption value)
• Points transfer to partners
• Car rental insurance is secondary
• No travel insurance
• Transfer partners are limited
• Additional perks: Cell Phone Protection: Provides up to $600 in cell phone protection when you pay your monthly cell bill with your Wells Fargo Autograph card. Coverage is subject to a $25 deductible and limited to two claims every 12-month period.
• Foreign transaction fee: N/A

Why we like this card: The Wells Fargo Autograph offers unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans and even your landline bill too if you have one, plus 1X points on other purchases—all without charging an annual fee. And, to make traveling a little cheaper/less stressful, you’ll also get $600 worth of cell phone protection (minus a $25 deductible) as long as you pay your phone bill with this card and secondary rental car insurance. 

Cardholders can transfer points at a 1:1 ratio to Wells Fargo’s first wave of transfer partners including Air France‑KLM Flying Blue, Avianca Lifemiles, British Airways Executive Club, AerClub, and Iberia Plus and 1:2 to Choice Privileges. 

But even if you aren’t a member of those loyalty programs, earning 3X on dining, travel, gas, and more is hard to pass up. You can redeem points at a value of 1 cent each to offset past purchases on your account, meaning you can wield the Autograph either as a no-annual-fee travel card or as a cash-back card effectively earning unlimited 3% back in a wide swath of useful categories. 

Check out our full review of the Wells Fargo Autograph .

Sometimes, you just want a card that offers a little more than 1X on every purchase—without having to worry about what this quarter’s rotating rewards are, or whether a specific merchant qualifies as “groceries” for the purposes of your card’s rewards. If you value simplicity and the lack of an annual fee in your travel card, you’ll probably be a fan of the Capital One VentureOne Rewards Credit Card and its straightforward rewards program.

Capital One VentureOne Rewards Credit Card

Reward Rates

• 5x Earn 5x miles on hotels and rental cars booked through Capital One Travel
• 1.25x Earn 1.25x miles on every other purchase
• Flexible travel rewards
• No foreign transaction fee
• Maximizing Capital One Miles requires a learning curve
• Cash redemption value is limited
• The VentureOne offers travel accident insurance, rental car coverage, extended warranty protection, exclusive access to events through Capital One Dining and Capital One Entertainment

Why we like this card: The Capital One VentureOne Rewards offers 1.25X miles per dollar spent on everyday purchases and 5x miles on hotels and rental cars booked through Capital One Travel. That’s pretty much all that you have to remember. You can also get a nice welcome bonus of 20,000 miles after spending $500 on purchases within 3 months from account opening, which is a solid payout for a very attainable spending target. 

Capital One Miles can be transferred to well over a dozen airline and hotel partners, most at a 1:1 rate. Partners include Air Canada’s Aeroplan, British Airways Executive Club, Choice Privileges, Virgin Red, and Wyndham Rewards, among others. Other ways to book travel include redeeming miles through Capital One’s portal or making the purchase directly, paying with your card like normal, then using miles for a statement credit to cover the transaction. 

The Venture One also offers a 0% intro APR on purchases for 15 months (after that, the variable APR will be 29.99%). There’s an intro balance transfer fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open , then 4% per transfer for any promotional APR offered after. 

Come to think of it, provided you have the excellent credit needed to apply, the VentureOne could make a great travel companion for a grad student given its simplicity, lengthy intro APR period and low spending threshold required to trigger the welcome bonus.

Check out our full review of the Capital One VentureOne Rewards .

Frequently asked questions

Which card is best for international transactions without extra charges.

Zero foreign transaction fees is actually a common benefit among travel rewards cards, including many with no annual fee. For example, neither the Bilt Mastercard nor the United Gateway card charges a foreign currency conversion fee. 

What is the best travel credit card for a young person? 

If you’re still paying rent, the Bilt Mastercard is an excellent choice since it can generate points from rent payments which can then be transferred 1:1 to well over a dozen airline and hotel partners. If you’d prefer a card with a welcome bonus, which the Bilt card lacks, the IHG One Rewards Traveler card currently offers a massive welcome bonus for a no-annual-fee card—potentially worth hundreds of dollars toward a future IHG hotel stay. 

Is a travel card with an annual fee worth it?

Using a travel rewards card with an annual fee can be worth it as long as you’re extracting enough points and benefits to justify paying the fee each year. If you travel infrequently or just want one less fee to worry about, consider one of the no-annual-fee cards on our list above. But, the best perks and protections are typically available on cards with annual fees.

For example, the Capital One Venture X card offers a $300 annual travel credit for bookings made through Capital One Travel. If you use that every year, you’ve gone a long way toward offsetting the $395 annual fee. You also get 10,000 bonus miles, worth at least $100 toward travel, every year starting on your account anniversary.

Methodology

To bring you our top picks for the best travel rewards cards with no annual fee, the Fortune Recommends surveyed more than a dozen cards currently available from today’s top issuers. From there, we ranked each one based on the following core categories and weights:

• Welcome bonus (10%): Some cards—even those with no annual fee—offer welcome bonuses that you can earn once you make enough purchases within a certain time frame, such as spending $1,000 within three months of account opening.
• Travel earnings (25%): These are the point rewards you’d earn by making travel-related purchases (e.g. 3X on hotels, 2X on airfare).
• Car rental insurance (15%): Many, but not all travel-centric rewards cards include an auto rental collision damage waiver, which allows you to decline a portion of the rental company’s insurance and save potentially up to $30 per day. We gave extra consideration to if a card offers primary rental car insurance versus secondary, because primary kicks in immediately in a covered scenario—whereas secondary only applies after your own, personal insurance. 
• Travel insurance benefits (15%): Some travel rewards cards automatically apply trip cancellation/interruption insurance, lost/delayed luggage reimbursement and even travel accident insurance on travel bookings made using the card.
• Gas earning (5%): Since road trips remain a common form of travel, whether or not a card offers points rewards at the pump factored into our rankings.
• Dining earning (10%): If a no-annual-fee travel rewards card offered 2X or more on restaurant purchases it favored well in this category.

The remaining 20% was based on the card’s main focus: hotel, airline or general travel rewards. 

• For general travel—points transferrable to partners (20%): Points are literally worth more if you can transfer them to certain partners, so a card’s ability to transfer rewards to airline and hotel partners factored into our rankings.
• For hotel rewards—free award night with booking (20%): Some hotel rewards cards offer a BOGO-like perk where if you redeem a certain number of nights with points you get an extra tacked on for free.
• For airline rewards—ability to spend towards status (20%): Most airline rewards cards allow you to earn miles, but not all of them count those miles towards your next loyalty status. If a card treated them as “qualifying miles,” it fared better in this category.

Lastly, just keep in mind that virtually every aspect of a travel rewards card—from the rewards to the welcome bonus and fee structure—is subject to change, which could impact how many miles or points you earn. 

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.  

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

Guide to travel rewards credit cards

Best travel credit cards of april 2024, luxury travel for less: your guide to free airport lounge passes, 10 credit card tips to help you avoid disaster when traveling abroad, how credit card travel insurance works—and what it doesn’t cover, insure your adventures: the ultimate guide to credit cards offering travel insurance, how credit card rental car insurance saves money on every rental, chase lga lounge review: luxury at laguardia, chase beefs up new york profile with a new jfk sapphire lounge—here's what you need to know, biggest-ever amex centurion lounge opens in atlanta — with outdoor terraces and bars for both whiskey and smoothies, amex centurion lounge atlanta: what to expect now that it’s open, how to use your credit card to save on travel as airline costs soar, do you have travel rewards saved up these are the best ways to use them, 5 ways your credit card can help you save on spring break travel costs, capital one lounge: what you need to know, how i travel with my wife for less than a date night, best credit cards for cheap airport lounge access in april 2024.

This is the No. 1 most-recommended travel credit card in America

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If you’re like the vast majority of us, you probably have plans to travel this year. Nearly nine in 10 Americans in a recent TripIt survey said they’ve already traveled in the past three months.  Of those who are planning a vacation in 2023, one in four said they expect to pay for one of those trips with credit card rewards, according to a Forbes Advisor survey. 

To help with that endeavor, we’ve pulled together the 10 most recommended travel rewards credit cards for May 2023 (more details below). To create this ranking, our team scours the internet in search of credit card recommendations from 16 of the most-trusted financial sites in America, including Forbes, The Wall Street Journal’s Buy Side, CNBC, Money, and more (full methodology below). We then rank these accounts based on the total number of recommendations. Here are the top picks:

• Most recommended: Chase Sapphire Preferred ® Card
• Best for flat-rate rewards: Capital One Venture Rewards Credit Card
• Best for high-end travel: Capital One ® Venture X ®
• Best for annual cash: The Platinum Card ® from American Express
• Best for dining rewards: American Express ® Gold Card
• Best for no-fee travel: Discover it® Miles 
• Best for luxury travel: Chase® Sapphire Reserve Card
• Best for occasional travelers: Bank of America ® Travel Rewards credit card
• Best for everyday purchases: Citi Premier® Card
• Best no-fee rewards: Wells Fargo Autograph℠ Card

There is little question rising inflation has left its impact on travel costs this year. The price of  airfare surged 17.7% over the past 12 months, dining out climbed 8.8% and lodging costs rose 7.3%, over the period. That said, NerdWallet credit cards expert Sara Rathner says the right travel card can potentially help offset some of the rising costs. “If you’re loyal to a specific airline or hotel brand, carrying the brand’s credit card can get you access to really helpful extras like free checked bags, priority boarding, discounts on in-flight food and beverage purchases, room upgrades, late checkout and more,” Rathner says, adding however that “if you don’t stick to any one airline or hotel, a general travel rewards credit card can give you a lot of flexibility since you can redeem those points in a variety of ways.”

Most recommended 

Winner: 13 ‘best of awards’

Chase Sapphire Preferred ® Card  

A high introductory bonus for newcomers, solid rewards package, and credit available on nearly all facets of travel; it doesn’t take long to see why the Chase Sapphire Preferred ® Card is the most recommended card of May 2023. There’s even points for Lyft rides and spending at supermarkets. 

Rewards: Earn 5x points on travel purchased through Chase Ultimate Rewards ® , excluding hotel purchases that qualify for the card’s $50 Annual Ultimate Rewards Hotel Credit, and earn 2x points on all other travel. You can also earn 5x points on Lyft rides when you travel through March 31, 2025 (or 3 points in addition to the 2x points earned for travel. For streaming services and online supermarket purchases, you can earn 3x points, and 1x point for each dollar spent on all other purchases. 

Welcome bonus: Earn 80,000 bonus points — the equivalent of $1,000 — toward travel through Chase Ultimate Rewards ® when you spend $4,000 in the first three months of account opening. 

Annual fee: $95

Regular APR: 20.74% to 27.74%, variable APR based on creditworthiness. 

Intro APR: None

Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is higher

Foreign transaction fee: None

Credit requirements: 670-850 (Good to Excellent)

• Good bonus for newcomers 
• Flexible redemption options 
• Good travel coverage
• High intro bonus 
• Dining rewards
• Has an annual fee
• Complex rewards package
• Does not offer Global Entry/TSA PreCheck application fee credit
• No intro APR
• Best rates are only for bookings through Chase

Best for flat-rate rewards - Capital One Venture Rewards Credit Card

It doesn’t take long to see why this card from Capital One was one of the most recommended for March. With unlimited two miles per $1 on every purchase and five miles per $1 on hotels and rental cars, the points here add up fast. What’s more, new cardholders can also earn 40,000 bonus miles for spending $1,000 in the first three months of opening an account.

Rewards rate: 2 unlimited miles per $1 on every purchase and 5 unlimited miles per dollar on hotels and rental cars booked through Capital One Travel

Welcome bonus: 75,000 bonus miles after spending $4,000 on purchases within the first three months of opening an account

Regular APR: 20.74%, 25.74% or 28.74% variable APR based on creditworthiness. 

Intro APR: N/A

Balance transfer fee: 0% at the regular transfer APR

• Good rewards package
• Global Entry or TSA PreCheck application fee credit up of to $100 every 4 years
• Comes with travel accident and car rental insurance
• 3% fee on transferred balances that post to your account during a promotional APR period
• No introductory APR
• $95 annual fee
• Rental car insurance is secondary

Best for high-end travel - Capital One® Venture X®

This card from Capital One really has it all. Earn points for hotels, flights and all other purchases; take advantage of its solid sign-up bonus; and enjoy access to 1,300+ airport lounges for you and your guests. There is also a premium rental car program with Hertz and rewards for hotels when booked through Capital One Travel. All in all, we really love the Capital One ® Venture X ® credit card and it’s easy to see why it’s so highly recommended. 

Rewards: Unlimited 2x miles on all eligible purchases, 5x on flights, and 10x on hotels and rental cars when booked through the Capital One ® Travel portal. Receive a $100 credit on Global Entry or TSA PreCheck ® and a $300 annual travel credit for bookings through Capital One Travel. Just for resigning, the Capital One ® Venture X ® also delivers an additional 10,000 miles, equal to $100, after your first year. 

Welcome bonus: 75,000 miles after spending $4,000 within the first three months of opening an account

Annual fee: $395

Regular APR: 21.74%, 25.74% or 28.74% variable APR based on your creditworthiness. 

Balance transfer fee: None at the transfer APR 

Credit requirements: 740-850 (Excellent)

• Unlimited miles 
• Good travel credits and perks
• Access to Hertz President’s Circle for car rentals
• Access to Capital One Lounges for you and 2 guests per visit
• High requirements for sign-up bonus
• Excellent credit required

Best for annual cash - The Platinum Card® from American Express

Yes this card has one of the highest annual fees in the ranking, but it may just be what you’re looking for. Like most travel rewards cards, this one comes with points for flights and hotels, and also cash back on entertainment as well as online and in-person shopping rewards at Walmart; all of which can add up to as much as $1,500 in annual statement credits. In addition, there is a sizable sign-up bonus and you can also apply for a preferred metal card design.  Enrollment required for select benefits. Terms apply. See rates and fees. 

Rewards: Earn a $200 hotel credit, $200 airline fee credit, $155 Walmart+ credit, $240 digital entertainment credit, $200 in Uber Cash, $300 Equinix Credit and SoulCycle at-home bike credit, each year. You can also earn a $189 CLEAR credit to help move faster through security checkpoints and a $100 statement credit annually for purchases at Saks Fifth Avenue or saks.com.

Welcome bonus: Earn 125,000 Membership Rewards ® points after spending $6,000 in the first six months of card membership. You can also earn either the classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu metal card design.

Annual fee: $695

Regular APR: 20.74% to 28.74% variable APR based on creditworthiness and other factors determined at the time of account opening. 

Balance transfer fee: N/A

• Large number of travel credit and perk options
• Points are transferable to airlines including Delta Airlines
• Great sign-up bonus 
• WIde range of airline and hotel partners 
• Annual fee is among the highest in the category
• Limited bonus categories 
• Redeeming and maximizing credits can be complicated 

(Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit www.americanexpress.com to learn more.)

Best for dining rewards - American Express® Gold Card

Earn points for flights, rides and shopping with this top-ranked credit card. Rewards here are also good at restaurants and on takeout and deliveries in the U.S., grocery shopping at U.S. supermarkets, and all other everyday purchases. Cardholders also have access to premium seating at cultural and sporting events. Enrollment required for select benefits. Terms apply. See rates and fees . 

Rewards: 4x Membership Rewards ® points at restaurants around the world and at U.S. supermarkets (on up to $25,000 in purchases) per year. 3x Membership Rewards ® points for flights booked with amextravel.com and 1x point on all other purchases. There is a $120 dining credit and $120 annual Uber Cash credit for both rides in the U.S. and food purchases on UberEats. 

Welcome bonus: 90,000 Membership Rewards ® points — depending on the offer — after spending $4,000 within the first six months of card membership. 

Annual fee: $250

Regular APR: 20.74% to 28.74% variable APR based on creditworthiness and other factors as determined at the time of account opening. 

• Points are transferable to various airlines including Delta Airlines
• Good rewards for U.S. supermarkets
• $120 dining credit
• $120 Uber Cash
• Points at U.S. supermarkets 
• Relatively pricey annual fee
• Few travel perks
• Rewards must be redeems via amextravel.com
• $250 annual fee

Best for no-fee travel - Discover it® Miles

Earn 1.5x miles for every dollar spent and the balance never expires. Miles used here are also redeemable for hotel rooms, rental cars, rideshares, gas stations, restaurants and more without blackout dates. Even more, Discover also matches your miles earned at the end of the first year, so be sure to use this one a lot right out of the gate.

Rewards: Earn 1.5x miles on every dollar with purchases and redeem miles to pay any part of your monthly bill, including your minimum payment.

Welcome bonus: Welcome offer matches every mile you earn at the end of your first year

Annual fee: $0

Regular APR: 16.74% to 27.74% variable APR

Intro APR: 0% intro APR for 15 months from date of account opening that post to your account by  June 10, 2023, then the standard purchase APR of 16.49% variable to 27.49% variable applies, based on your creditworthiness.

Balance transfer fee: 3% intro fee for the amount of each transfer that posts to your account by Aug. 10, 2023 with the previously mentioned 0% intro APR balance transfer offer. After that, the rate becomes 5% of the amount of each transfer.

Foreign transaction fee: N/A

• No annual fee
• First year miles match is a unique bonus offer
• No blackout dates
• Redeem rewards for cash back
• No limit for earning miles
• Earned miles do not expire 
• Rewards are not as good after the first year
• Miles can be transferred to airline frequent-flyer programs
• Does not include Global Entry or TSA PreCheck statement credit offerings
• No access to airport lounges

Best for luxury travel 

Winner: 9 ‘best of awards’

Chase ® Sapphire Reserve Card

If you don’t mind paying the annual fee, the Chase ® Sapphire Reserve Card just might be the tool for you. With this card in your wallet, you can easily earn cash towards travel and points for flights, hotels and dining, and a whole lot more. This one ultimately pays for itself with its high rewards package and attractive introductory offer. It’s easy to see why this credit card is among the most recommended on the market. 

Rewards: Earn $300 in statement credits as reimbursement for travel purchases each year. After meeting that threshold, earn an additional 5x points on flights when you use Chase Ultimate Rewards ® card, 10x points on hotels and car rentals, and 3x points on all other travel purchases. Your points are also worth 50% more when you redeem them via the Ultimate Rewards. There are also 10x points on Chase Dining SM and 1x point per dollar spent on all other purchases. What’s more, receive Global Entry or TSA PreCheck ® or NEXUS Fee Credit access, earn exclusive reservations at popular restaurants, 10x points on Lyft, complimentary DoorDash and DashPass subscriptions, a $10 monthly statement credit from Gopuff, as well as VIP access and early ticket sales to sporting events, festivals and more.

Welcome bonus: Earn 60,000 bonus points — the equivalent of $900 — toward travel through Chase Ultimate Rewards ® when you spend $4,000 within the first three months of account opening.  

Annual fee: $550; and additional $75 for each authorized user

Regular APR: 21.74% to 28.74% variable APR based on your creditworthiness. 

Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater

• Great travel perks and rewards 
• Point value can be increased by 50% after redeeming through Chase Ultimate Rewards®
• Excellent credit required 
• High annual fee

Best for everyday purchases - Citi Premier® Card

In addition to earning solid points at airports and hotels, the Citi Premier ® Card also comes with a large lineup of everyday perks. To be sure, redeemable points here amount to 3x for every $1 spent at restaurants, supermarkets, gas stations and even matches on other purchases. Just be sure to qualify for the intro bonus and claim your $600 in gift cards to add to your perks.

Rewards: Earn 3x points per dollar at restaurants, supermarkets, gas stations, air travel and hotels; and 1x point per dollar on all other purchases. There is also a $100 annual hotel savings benefit for this card when you spend $500 or more when booked through thankyou.com.

Welcome bonus: Earn 60,000 bonus points when you spend $4,000 in the first three months of account opening and redeem them for travel rewards or in the form of a $600 gift card at thankyou.com.

Regular APR: 20.74% to 28.74% variable APR based on your creditworthiness

Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

• Great lineup of travel partners
• Earn points for everyday purchases
• Contactless pay option
• Travel insurance is not offered

Best for occasional travelers - Bank of America® Travel Rewards credit card

The points here are pretty straightforward. Earn 1.5 points for every $1 spent on all purchases everywhere. What makes this card unique is you can also redeem your point for statement credits to pay for travel and dining purchases. 

Rewards: Earn unlimited 1.5 points per $1 spent

Welcome bonus: Earn 25,000 online bonus points after making a minimum of $1,000 in purchases in the first 90 days of account opening. That can be redeemed as a $250 statement credit toward travel purchases.

Regular APR: 17.74% to 27.74% variable APR on purchases and balance transfers

Intro APR: 0% intro APR for 18 billing cycles for purchases, and for any balance transfers made within the first 60 days. After that the variable APR will be 17.74% to 27.74%. 

Balance transfer fee: 3% of the amount of each transaction

• Flexible redemption policy
• No annual fees
• Rewards program is not as travel-focused as other options
• Not the best sign-up bonus offer

Best no-fee rewards - Wells Fargo Autograph℠ Card

This is one of the most comprehensive plans for earning travel points available today. Earn a high 3x rewards points for every $1 on travel (hotels, motels, timeshares, car rentals, cruise lines, travel agencies, discount travel sites and campgrounds), transit (rail, taxis, limousines, ferries, toll bridges and highways, parking and garages), gas (including both gas stations and electric charging stations), dining (restaurants, drinking places and fast food), phone plans and popular streaming services (including Apple TV+, Sling TV, Prime Video and more ). All other purchases earn 1x points for every $1 spent.

Rewards: Unlimited 3x points on restaurants, travel, gas and transit, as well as on streaming services and cell phone plans, and 1x on all other purchases. 

Welcome bonus: Earn 20,000 bonus points (a $200 cash value) when you spend $1,000 in purchases within the first 3 months of account opening

Regular APR: 

Intro APR: 0% intro APR for 12 months from account opening and a variable APR afterwards of 19.74%, 24.74%, or 29.74%, based on your creditworthiness.

Balance transfer fee: $5 or 3% of the amount of each balance transfer, or whichever is greater, for 120 days from account opening. After that it is 5% for each transfer with a $5 minimum

• No membership fees
• 3x points for ever dollar spent is among the highest available ways to earn
• $600 cell phone protection against damage or theft with a low $25 deductible
• No foreign transaction fees
• No intro APR bonus for balance transfers
• 5% balance transfer fee after the 120 intro period

Our methodology for choosing travel rewards credit cards

To create this ranking, our team scours the internet in search of credit card recommendations from industry experts to bring you the very best of the best, including Forbes , The Wall Street Journal , NerdWallet , Business Insider , CNN , CNBC , Bankrate , Money , U.S. News , WalletHub , The Ascent/Motley Fool , CreditCards.com , Compare Credit , Credit Karma , Value Penguin and LendingTree . We then rank these accounts based on the total number of recommendations. Winners are determined by the number of times they appear on any of these experts’ lists. Simply put, credit cards that appear the most will be deemed the winner! In the event of a tie, we select our choice for the card with the best deal. 

What is a rewards credit card? 

Credit cards that are most commonly known as rewards credit cards offer some kind of benefit for its use. Typically these rewards include cash back, points or miles earned when you spend money on the card. There are of course limits with these rewards and you are often given a variety of ways to use or spend these rewards — often with gift cards, dollars or points. 

What is an annual percentage rate (APR)?

The annual percentage rate, also known as the APR, is the yearly interest that is charged to credit card holders or borrowers. This is essentially the cost of funds over the term of a loan or income earned on any given investment, including fees or any other costs that come with a given transaction. 

How is APR calculated?

The calculation for APR is made by multiplying the periodic interest rate by the number of periods in a given year that it should be applied. Here is a helpful calculation provided by Investopedia: 

APR=((Fees+Interest Principal/n)×365)×100

Interest=Total interest paid over life of the loan

Principal=Loan amount

n=Number of days in loan term

How much can I expect to pay in interest with an average credit card? 

The average credit card interest rate today is 24.10%, according to a Forbes report .  If you had a credit card balance of $500 at 24.10% APR, you would theoretically owe $10 in interest at the end of a 30-day billing cycle period. Check out this useful calculator from NerdWallet for help running the numbers on your own credit card balances. 

How often do rates change? 

First, it’s important to understand the three types of interest rates for credit cards: variable, fixed and promotional. The frequency at which credit card interest rates change depends on the type of rate a credit card has:

• Variable rates: The interest rate for a card with a variable rate fluctuates over time because it is tied to a benchmark interest rate or index that periodically changes. 
• Fixed rates: A fixed rate remains stable during a set period of time and can sometimes become variable at the end of the period. These rates do not fluctuate due to inflation or changes in the prime index.
• Promotional : Credit cards that offer a promotional rate typically require that you meet some sort of balance requirement to earn a temporary interest rate. Much like a fixed rate offer, these promotional periods typically come to an end and one day revert back to a variable rate. 

How do I choose the best credit card?

Choosing the best credit card for your needs really comes down to preference and how much you intend to spend. Some key factors to consider here are fees, interest rates, your credit score and your monthly spending habits. The annual percentage rate (APR), which changes depending on the bank and card you ultimately choose, will also vary based on your score; the higher your score, the better the rate you will receive. 

What is a good credit score? 

Anything from 670 to 739 is considered a good credit score. Scores from 580 to 669 are considered fair; 740 to 799 are considered very good; and 800 and up are considered excellent.