When you’re running a business, it’s important to have a good credit card. Business credit cards offer benefits such as cashback and points for every purchase that you make, as well as exclusive offers from selected merchants and promotions from banks.
Some benefits of having a business credit card include being able to pay for unexpected expenses, take pressure off your cash flow, and build a credit history for your business. Having a business credit card can be a lifesaver for many business owners so it’s definitely worth considering if you don’t have one already!
But finding the right one can be challenging.
Which is the Best Business Credit Card In UAE?
If you’re a business owner in the UAE, you have a few different credit card options to choose from. Here’s a quick overview of the most popular choices, along with the benefits of each.
1. DIB Platinum Credit Card
4% cashback on fuel
4% cashback on school feesApply Now
The DIB Cashback Credit Card is offered by Dubai Islamic Bank and provides cardholders with 4% cashback on supermarket, fuel, and auto servicing payments. In addition, cardholders can also receive up to 4% cashback on school fees. Although there is a AED 400 limit on the amount of cash that can be earned, this limit is still significantly higher than what other cashback credit cards are offering.
2. Expo2020 Credit Card by Emirates Islamic
welcome bonus 5500
50% discount on Expo2020Apply Now
The Expo2020 Credit Card from Emirates Islamic offers a 50% discount on Expo2020 tickets, free valet parking, and a dynamic rewards program with a welcome bonus of 5,500 Uby Emaar Upoints for new cardholders. To qualify, you’ll need a monthly salary of at least AED 5,000.
3. Emirates Ultima Credit Card by Citibank UAE
25000 sign-up bonus
complimentary travel insurance
2.5 Skyward Miles per USDApply Now
The Emirates Ultima Credit Card is an exclusive and elite credit card that gives cardholders the best Skywards earn rate of up to 2.5 Skyward Miles per USD spent. This credit card comes with impressive perks including a 25,000-point sign-up bonus for the first year and an additional 10,000 points after one year. Cardholders also get complimentary travel insurance and travel medical aid whenever they purchase tickets using the card.
4. Citi Cashback Credit Card
2% cashback on groceries
1% cashback on everything elseApply Now
This credit card offers great cashback rewards for all your spending. You’ll get 3% cashback on all non-AED spend, 2% back on groceries and supermarket purchases, and 1% back on everything else. Plus, there are no annual fees to pay in the first year and no minimum spend required to keep the card and its perks. And as a cardholder, you’ll get complimentary access to over 1,000 airport lounges around the world. To qualify for this card, you must be over the age of 21 and bring in at least AED 8,000 per month.
5. ADIB Cashback Visa Platinum Card
access to airport lounges
1% cashback on all purchasesApply Now
The ADIB Cashback Visa Platinum Card is a credit card with low interest and no annual fee for the first year. You will need to have a minimum salary of AED 5,000 per month to qualify for this card. With this card, you can withdraw your entire credit limit, unlike some other credit cards.
This credit card comes with some great perks, such as valet parking services, access to airport lounges, and complimentary roadside assistance. Plus, you’ll get 1% cashback on all purchases made with this credit card.
6. HSBC Zero Credit Card
Buy 1 Get 1 free
30% off at select restaurants
12% off at nearly a million hotels worldwideApply Now
The HSBC Zero Credit Card is a great choice for business owners who want to take advantage of HSBC’s reward program and Entertainer app. With this card, you’ll enjoy over 10,000 “Buy 1 Get 1 Free” deals at restaurants, retail stores, spas, and more. Plus, you’ll get up to 30% off at select restaurants and up to 12% off at nearly a million hotels worldwide.
7. Mashreq Platinum Elite Credit Card
50% off movie tickets
Free access to Fitness First gymsApply Now
The Mashreq Platinum Elite Credit Card is a wonderful choice for those who often find themselves traveling. With over 1,000 airport lounges available to cardholders worldwide, this card allows its users to enjoy unlimited access – meaning you can say goodbye to pesky lounge fees. On top of that, cardholders also receive 50% off movie tickets as well as free access to Fitness First gyms.
In order to qualify for the Mashreq Platinum Elite Credit Card, applicants must have a monthly income of at least AED 7,000. Although this is the minimum requirement to obtain the card, there is no minimum spend required to keep the account open. So you can take advantage of all the great perks without fear of not meeting the qualifications.
8. Standard Chartered Manhattan Platinum Card
20% off golf clubs
12% off travel bookings through AgodaApply Now
The Standard Chartered Manhattan Platinum Card is a top-tier credit card that offers a wide range of discounts and incentives, including a low interest rate of 3.45%. Qualifications for this credit card include a monthly income of at least AED 5,000.
Some of the great discounts and incentives that come with this credit card include up to 20% off golf clubs, 30% off bookings made at Timeout Dubai, and 12% off travel bookings through Agoda. If you’re looking for a world-class rewards program, Standard Chartered is a great option to consider.
9. Emirates Islamic Cashback Plus Credit Card
10% cashback on all supermarket
10% cashback on education
access to over 1000 airport loungesApply Now
This credit card comes with an unbeatable 10% cashback on all supermarket, education, dining, and telecom purchases – and there’s no limit to how much you can earn back each month! Plus, as a cardholder, you’ll also have access to over 1,000 airport lounges around the world. So whether you’re travelling for business or pleasure, you can relax in style before your flight.