If you frequently travel or if it’s your favorite hobby, and are you looking for the best travel credit cards in UAE ?

It can save you money on bookings and make your travel more pleasant. Travel cards have benefits like air miles, skywards miles, and free cab rides.

For a frequent flier, two of the most important aspects to look out for are patterns of travel and spending habits. Although there is no perfect best travel credit card, you can look into your needs and choose the best one for you.

What’s more important to you: access to more lounges or better discounts? No card will offer the best of all its features, so decide what’s most important to you before making a choice.

List of Best Travel Credit Cards in UAE

1. Emirates NBD Skywards Signature Credit Card
2. RAKBANK Mastercard World
3. FAB Abu Dhabi Platinum Credit Card
4. FAB Etihad Guest Infinite Credit Card
5. Citi Bank Prestige Credit Card
6. ADCB Traveller Card
7. RAKBANK Emirates Skywards World Elite Mastercard
8. Emirates Citi Bank Ultima Credit Card
9. Standard Chartered Visa Infinite Credit Card
10. ADIB Booking Signature Card
11. Emirates Citibank Ultima Credit card
12. ADIB Booking Infinite Card
13. Deem Mastercard Platinum Miles Up Credit Card
14. RAKBANK Air Arabia Platinum Credit Card

Travel Credit Cards with No Annual Fee

Many people would rather not pay an annual fee for their travel credit card, regardless of any benefits that they might receive. Fortunately, there are plenty of options out there for those who feel this way.

Many travel credit cards offer great benefits with no annual fee attached. Do some research to find the card that best suits your needs and offers the most value.

1. CBD World Master Card

Specially designed for our most distinguished clients, The World Mastercard® promises to open up a world of unique experiences and exciting privileges for the holder. Major Benefit: Rewards Points, Airport lounge access, Cinema discount etc.

Following are the travel benefits :

• Earn rewards points on all your purchases.
• Redeem rewards points for Skywards Miles, Etihad Miles, flight booking, shopping or Cashback.
• Welcome bonus of 40,000 rewards points on AED 5000 of spend within 30 days.
• Earn upto 2.5 points for every AED 1 spent internationally, 2 points when spent locally, 0.5 point when spent at supermarket and groceries and for government-related spends.
• Unlimited access to 900+ airport lounges in 450 cities worldwide through Lounge Key.
• 20% off on Careem rides 3 times a month.
• Complimentary night stay at participating Marriott BonvoyTM hotels.
• Skywards miles program.
• International concierge services.

Apply Now

2. CBD Titanium Mastercard

The CBD Gold Mastercard® provides you with greater spending power, worldwide acceptance and the ability to earn exclusive rewards. Major Benefit: Free for life, rewards program, airport lounge access Points to Consider: Foreign exchange fee applicable on international spends.

Following are the travel benefits :

• The CBD credit card comes with no annual fees, saving you money every year.
• With a minimum salary requirement of AED 5,000, the CBD credit card is accessible to a wide range of customers.
• The retail interest rate of 3.45% is highly competitive, ensuring you pay less interest on outstanding balances.
• CBD credit cardholders enjoy a low foreign currency transactions rate of 2.75% per month, making it easy to use your card overseas.
• The CBD credit card allows for balance transfers from other UAE banks with a low interest rate of 0.8%.

Apply Now

3. Deem Mastercard Titanium Miles Up Credit Card

The Deem Titanium Miles Up Credit Card is an everyday card that takes you places. Earn 2x Miles Up points at supermarkets and on flights and hotels. Redeem your Miles Up points for flights, hotels, electronics and gift vouchers. Also get discounts on dining and entertainment.

Following are the travel benefits :

• Earn double miles on airline ticket purchases and hotel reservations worldwide
• Get 2x miles on shopping in department stores and online, anywhere in the world
• Earn 0.5x miles on all retail spends worldwide
• Enjoy up to 15% discount on Avis car rentals worldwide
• Get 20% discount on 3 Careem rides every month

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4. CBD Visa Infinite Card

Designed to serve the specialized needs of our most discerning clients, the CBD Visa Infinite Card reflects your distinguished lifestyle. Major Benefit: Airport lounge access, Cinema discount, Free travel insurance

The benefits of the air miles include the following:

• Under Attijari Loyalty program, you can earn Attijari points on all your purchases which can be redeemed into Skywards Miles, Etihad Miles or Cashback.
• Unlimited access to 550+ airport lounges in 400 cities all over the world through Lounge Key.
• Free travel insurance on purchasing ticket from CBD World Card
• Complementary meet and greet services with YQ
• 10% discount while booking with hotels and vacations through Agoda.
• Discounts on AVIS car rentals.
• Discounts at visa luxury hotel Collections.
• Get room upgrades, bonus benefits and high-Speed internet with Hilton.
• International concierge services

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5. Deem Mastercard Platinum Miles Up Credit Card

The Deem credit card can offer some great perks for those who frequently travel. Some of these benefits include flight and hotel bookings, lounge access, and more. In order to be eligible to apply for this card, you must earn a minimum of AED 10,000 in salary per month.

 Here is a quick overview of the travel benefits offered by the Deem credit card:

• 3x Miles Up on flight and hotel bookings
• Complimentary access to 25+ premium airport lounges in the Middle East & Levant
• Discounts on car rentals and Careem rides
• Up to 30% discount on bookings made through Cleartrip

Apply Now

Credit Cards With Travel Insurance

1. ADCB Traveller Credit Card

The ADCB traveler credit card is perfect for people who love to travel. With this card, you’ll get 20% off on both flights and hotels, plus there are no usage charges when you use it abroad. You’ll also get a complimentary stay for up to 6 nights, and you can access airport lounges and get discounts at Starwood Hotels and Resorts.

Benefits Are,

• ADCB traveler credit card offers one of the best travel insurance in UAE.
• Up to USD 500,000 of Medical emergency expenditures and personal accident insurance
• Up to USD 100/day of cash benefit for in-hospital daily
• Up to USD 3000 insurance for loss of baggage (with no deductions)
• Up to USD 300 in case the customer’s baggage is delayed

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2.Emirates Citibank Ultima Credit card

With this card, you can earn 25,000 skywards miles as a welcome bonus. You’ll also earn 10,000 skywards miles when you pay your yearly membership fee of AED 3000. The card provides the best travel insurance also. And for every AED spent on purchasing tickets online at emirates.com, you’ll earn 2.5 skywards miles.

Benefits Are,

• Skywards miles as a welcome gift
• Free access to more than 1000 airport lounges to you, your guest, your supplementary card owners, and their guest.
• For your family members above the age of 15, you can take free supplementary cards.
• You will also get offers on dining, movie tickets, concierge, golf, etc.
• Travel insurance is complimentary with this credit card.

Apply Now

3. Citi PremierMiles World Credit Card

The annual fee for the Citi PremierMiles World Credit Card is AED 750. In order to be eligible for this travel credit card, customers need to earn a minimum salary of AED 15000 every month. Travel insurance is one of the rewards that this card offers.

Benefits Are:

• Travel Insurance
• Complementary access to airport lounges
• Dining discounts
• Supplementary credit cards for the family

Apply Now

Travel Credit Cards with Reward Values

1. CBD World MasterCard

If you’re looking for a great free credit card in the UAE, the CBD World Master credit card is a great option. To be eligible to apply, you must be between the ages of 21 and 65 if you are a UAE national, or 21 and 60 if you are an expatriate. The minimum salary required is AED 40,000.

Reward Value:AED 16,239

Benefits of the Commercial Bank of Dubai World MasterCard include:

• Access to more than 850 VIP airport lounges is free internationally.
• For every Dirham spent using this credit card, you earn reward points.
• The primary card is free for the first year.
• You get up to 15% discounts and special privileges in luxury serviced apartments.
• With Marriott Bonvoy hotels, you can get complimentary hotel nights.
• You get discounts when you book your flights using Cleartrip.

Apply Now

2. Standard Chartered Visa Infinite Credit Card

This travel credit card is one of the best in UAE. You will need a minimum salary of AED 30,000 per month and to be aged 21-60 to apply. The annual fee on this credit card is AED 1575 but the first year is free.

Reward Value:AED 11,101

The benefits of the Standard chartered visa infinite credit card include:

• You redeem 5% of the purchase when you use your credit card on Etihad, Emirates, and Virgin Atlantic.
• When you show your Visa Infinite credit card at 900+ airport lounges worldwide, you and your guest can enjoy unlimited access to the lounge.
• You can enjoy discounts up to 12% when you book a hotel through Hotels.com. For the discount, you will have to use the promo code SCBUAE12.
• You get complimentary travel insurance when you use your Visa Infinite travel card to pay for your travel.

Apply Now

3.ADIB Etihad Gold Card

The ADIB Etihad Gold Card is one of the best reward credit cards in the UAE for its high welcome bonus of 35,000 guest miles. You can earn 1.5 air miles on international spending and 1 air mile on domestic spending for every AED 4 spent. Plus, you can withdraw 100% of your credit limit as cash.

Reward Value:AED 11,101

The benefits of the ADIB Etihad gold card include:

• Voucher for a free companion ticket- The best feature of this travel card would be the free ticket for the companion. When the Etihad gold card has been used to spend AED 150,000 or above, the customer gets a free companion ticket voucher. This voucher can be used to fly on any one of the flights of Etihad airways. The voucher holder can use it to travel to any destination, any time, and in any class. No other best travel credit card in the middle-east offers free tickets to the companion.
• ADIB Etihad gold card also offers access to 850 VIP airport lounges in the world. Up to 2 times a year, you can avail the lounges for free.
• Also, you can gain quick access to the Etihad silver tier when you use your Etihad gold card for 4 return flights within a year.

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4. Mashreq Platinum Elite Credit Card  

The Mashreq Platinum Elite Credit Card is a great choice for people who travel often. Some of the benefits include good travel rewards and waived annual fees for the first year. The minimum salary requirement is AED 7000.

Benefits of Mashreq Platinum Elite Card-

• Get AED 1000 cashback for new customers
• 20% cashback on Zomato, Netflix, Talabat, Noon, Etisalat, iTunes, Du, Dubainow
• Earn up to 5 Salaam Points per AED on dining, supermarkets, etc. locally or outside UAE
• Redeem Salaam Points for Skywards Miles
• 8 Free access to Fitness First clubs
• Free access to airport lounges worldwide
• 3 Free airport transfers in Dubai & Abu Dhabi per year

Apply Now

5.RAKBANK Mastercard World Credit Card

The RAKBANK Mastercard World travel credit card comes with some great perks and benefits. You can rack up rewards points just by using your card, and those points can be used to get discounts or freebies later on. Plus, there’s no annual fee, so you can use your card without worry.

Reward Value: AED 23,443

Benefits:

• Travel Discount
• Free for 1st year
• Special Discount
• Vehicle Registration & Servicing Pick-Up/Drop

Apply Now

 What Is a Travel Credit Card?

A travel card is a great way to save money on your next vacation. By earning rewards, miles, or bonuses, you can get discounts on airfare, hotels, and car rentals. Additionally, many travel cards offer perks like priority boarding or free checked bags. In short, a travel credit card can help make your next trip more affordable and hassle-free.

Travel credit cards offer cardholders special privileges and valuable rewards. These reward points come in two types. First, some travel credit cards may provide a signup bonus or welcome points to new cardholders. Second, the travel credit card offers reward points for spending a certain amount, often including a bonus for purchase from the co-brand hotel or airline partner. Once the cardholder earns enough reward points, they can redeem them for discounts on air tickets, hotel bookings, car rentals, and various travel-related transactions.

Features and Benefits of Travel Benefits Credit Cards

There are a lot of benefits that come with using a travel credit card. From getting sign-up bonuses to free access to airport lounges, these cards can really help make your travels more convenient and enjoyable. If you’re a frequent traveler, then definitely consider getting a travel credit card to make your trips even more seamless and enjoyable.

• Welcome Gift: Most travel credit cards offer reward points as a sign-up bonus or welcome gift. Those reward points further can be redeemed for the air miles at domestic as well as international airlines.
• Free Access to Airport Lounges: Some of the best credit cards offer complimentary airport lounge access at a wide range of airports. In case of delayed flights, the cardholder can sit, relax, and enjoy light refreshments.
• Supplementary Cards: Cardholders can opt for unlimited supplementary cards for their eligible family members. The supplementary cards don’t attract any additional fee. The cardholders can set the spending limit on each of the supplementary cards.
• Travel Insurance: Some travel credit card issuers provide complimentary travel accident insurance cover to the cardholder. In addition to this, they offer compensation for the inconvenience caused due to missed or delayed flights and loss of checked-in luggage.
• Complimentary Movie Tickets: The majority of the travel rewards credit cards offer Buy 1 Get 1complimentary movie tickets every month that can be availed any day of the week.
• Golf Benefits: Travel credit cardholders can also play a complimentary round of golf once a month at specific golf courses in the UAE.
• Annual Fee Waiver: Most credit card applicants search for a travel card that doesn’t charge annual charges.

Eligibility Criteria to Apply For Travel Credit Card

The eligibility criteria to apply for a travel credit card vary from bank to bank and from one card to another. Listed below are the major criteria to obtain a travel card:

• The applicant’s age should be between 21 years to 65 years.
• Applicants should have a steady source of income.
• The applicant should have an address
• Emirati applicants should have Emirates Id. Expats need to provide other documents such as passports and the resident permit.

How to Apply for Travel Credit Cards in the UAE?

The credit card application process is very easy. The applicants can apply for travel cards offline as well as online.

Apply for a Travel Credit Card Online

Before an applicant applies for a travel credit card, they must ensure they meet the eligibility criteria by checking the requirements on the official website of the bank. They can apply for a travel credit card that suits their needs by clicking on the apply button on the online application page and providing all the required details.

Once the bank has received the credit card application and if the applicant’s profile meets the eligibility criteria, a travel credit card representative will reach out within 3-5 working days. They will guide the applicant through the next steps of the application process, including what documents are needed and how to submit them. If all required documents are successfully submitted, the credit card application will be processed within 7-10 working days.

Apply for a Travel Credit Card Offline

Individuals who are not comfortable with the online credit card application process can alternatively apply for a travel card at their nearest bank branch. There, a bank representative will guide them through the different travel credit card options and help them choose the one that best meets their expectations and budget.

After selecting the card, they will need to fill out a travel credit card application form and provide the required documents, such as identity proof, proof of income, and address proof.

How to Find the Best Travel Benefits Credit Card?

There are a lot of different travel credit cards out there, and it can be hard to know which one is right for you. The best travel credit card offers rewards or miles that you can redeem for things like flight tickets, rental cars, or hotel bookings.

And of course, who doesn’t love getting discounts on their travel-related transactions? When you’re trying to choose the best travel credit card for your needs, make sure to consider things like what kind of rewards you’re looking for and what kind of spending you typically do when you’re on the road.

here are some factors that applicants ought to consider when choosing the right travel credit card.

• Welcome or Sign-up Bonus: Most travel credit card issuers provide exciting sign-up bonuses. The applicants must compare the signup bonus when choosing the best travel card. The sign-up bonus can help the cardholder avail great discounts on their flight tickets, hotel bookings, etc.
• Annual Fee: There is no doubt that the travel credit card with an annual fee offers extra privileges and rewards as compared to the one with no annual fee. Also, credit card experts advise comparing the value of the rewards and bonuses to make sure they are worth paying the annual fee.
• Rewards Rate: All travel credit card issuers offer enticing rewards and bonuses on their cards. When choosing the right travel credit card, it is very important to know how many miles will be earned per dirham spent. Also, the applicant should know the value of those miles.
• No Foreign Transaction Fees: If the applicant frequently visits foreign countries then it is very important to choose a card that doesn’t charge foreign transaction fees.
• Travel Protection: The cardholder should opt for the travel card that provides maximum travel protection such as reimbursement for trip delay, loss or damage of checked-in baggage, trip cancellation and interruption protection, travel accident insurance, etc.

FAQs

1. Can I use a travel credit card for anything?

You can use them like you would any other credit card. And you can also earn rewards, usually in the form of points or miles. Generally, you can earn rewards by making everyday purchases—think clothes, gas, and electronics. Once they add up, you can redeem them for travel-related purchases.

2. When should you open a travel credit card?

Apply for a card at least five months before your trip. That will give you time to get the card, earn the bonus, and book travels with points.

3. Can you get a travel credit card as your first credit card?

Likely no, but you can offset travel costs by joining loyalty programs and opening a cash-back card in the meantime. Many or all of the products featured here are from our partners who compensate us

4. Is it hard to get approved for airline cards?

In general, co-brand airline credit cards are some of the easiest credit cards to get. For most cards, you need a credit score in the mid-600s, but 670 or above is best. Even if your score is only above 600 but not quite 670, you still have good approval odds for cards that don’t have an annual fee

5. How do I transfer money from my travel card to my bank account?

Insert your travel card into any ATM in another nation and follow the instructions to withdraw money. Making a withdrawal is as simple as using your regular bank card. You can transfer money preloaded on your card to a Bank transaction account by connecting to the Bank app or using the Net Banking service.

6. Can you withdraw cash from your travel card?

Yes, you can. You can use any ATM that accepts Mastercard. Fees will apply for every cash withdrawal, these fees are detailed online or in your welcome letter.

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

• AED 400
• 4% cashback on fuel
• 4% cashback on school fees

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 Expo2020

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 USD

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 else
• AED 8,000

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

• AED 5000
• access to airport lounges
• 1% cashback on all purchases

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 worldwide

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

• AED 7000
• 50% off movie tickets
• Free access to Fitness First gyms

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.

8. Standard Chartered Manhattan Platinum Card

• AED 5000
• 20% off golf clubs
• 12% off travel bookings through Agoda

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 lounges

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.

In conclusion, the best business credit card for you will depend on your specific needs and spending habits. Whether you’re looking for rewards, cashback, or exclusive business perks, there’s a card out there that suits your requirements. We encourage customers to visit Compare4Benefit’s website to explore more credit cards, credit card offers, and other credit card services that can help you make the most out of your business expenses. With the right business credit card, you can streamline your finances, earn rewards, and grow your business. So why wait? Head over to Compare4Benefit today!

Credit cards are considered the best way to handle your monthly utility bills in the UAE. Facing a bill for a big amount that you have to pay in one go?

Don’t worry, it’s time for you to utilize the best credit cards that give you cashback on your utility bills.

There are many credit cards in the UAE that offer attractive cashbacks on your utility bills as well as other facilities. Let’s have a look at the best of them.

Best Credit Card for Paying Electricity Retailer

Electricity is the one thing that keeps our homes and businesses lit up. The electricity supply industry is a big one. In the UAE alone, there are more than 20,000 electricity providers.

If you’re looking for a better credit card to use for paying your bills, you’ve come to the right place! We’ve compared loads of cards to find the best credit cards for paying your electricity bills.

We’ve ranked them based on their cash back rates and other rewards programs, so you know you’re getting the best deal!

• Dining Privileges
• Save up to 20% on dining across participating restaurants with Citi cards.
• To find a Citibank partner restaurant near you
• Shopping Privileges
• Enjoy EMI options on online travel booking and shopping, and at over 2,000 stores. To know more

Read More:Citibank Credit Cards in UAE-Compare4Benefit

4.First Abu Dhabi Bank Cashback Credit Card

• Up to 5 FAB Rewards for every AED 1 you spend
• Cashback on paying your utility bills

• Earn up to 5 FAB Rewards for every AED 1 you spend
• Access to over 1,000+ Airport Lounges in more than 300 cities all around the world for you and a guest
• Complimentary multi-trip travel insurance

Read More: Cashback vs Air Miles vs Rewards Credit Cards in UAE

5.Mashreq Bank Cashback Credit Card

• Minimum retail spend of AED 4,500 required in the first 2 months.

Unlimited Cashback

• 5% Cashback on dining spends
• 2% Cashback on international spends
• 1% Cashback on other local spends
• 0.33% Cashback on Govt. payments, utilities, education, charity, fuel, rental and telecom spends
• No caps. No complicated calculations. Just pure savings, guaranteed!

Do remember to do your due diligence as different cards would come with different terms and conditions.No matter which card you choose, it’s important to compare your options carefully to ensure that you’re getting the best deal possible. We encourage customers to visit Compare4Benefit’s website to explore more credit cards, credit card offers, and other credit card services that can help you save money and earn rewards while paying your utility bills in the UAE.

Also, make sure that you pay your fees on time!

By now, most people have a general idea of what a credit card is: a physical card that you use for purchasing goods and services. The card allows a person to make purchases without cash or checks, and has a feature that allows the cardholder to pay for goods and services over time. This is usually done through a monthly payment plan, which is facilitated by the issuer of the credit card.  However, there are other ways for cardholders to use their cards.

Here we compare Cashback vs Air Miles vs Rewards Credit Cards in UAE for 2022.

Knowing the meanings of these terms and being able to distinguish between them will help you make more informed and smarter decisions about which credit card is best suited for your lifestyle and needs when it comes time to apply for one.

Cashback Credit Cards

Many banks now just use the term “cashback” for different types of cards, but it’s important to understand how each one works before you decide which is right for you. With a cashback card, you’ll earn a percentage of what you spend back in cash, which is deposited directly into your account. With a cash rebate card, you’ll earn points for every dollar you spend, which can be redeemed for cash or merchandise. So before you apply for any type of cashback credit card, make sure you know how it works so you can take full advantage of the rewards!

A simple breakdown of how cashback credit cards work is as such:

• An item costs $100
• I am using a card with 5% cash back.
• $100 is charged to my card
• $5 is then used to offset my credit card bill for the next month

In short, a percentage of your monthly spending is used to offset your next credit card bill

Pros of cashback credit cards

• Cashback is a simple mechanism that directly benefits one’s pocket with no fancy effort needed
• Cashback is ultimately money that can be used to purchase multiple things
• The amount is directly back to the credit card account, hassle-free

Cons of cashback credit cards

• To maximise cashback there is usually a list of requirements to meet which can include minimum spending on certain categories per month
• There is usually a cap to the amount of cashback one can receive

Pro Tip: For the most hassle-free experience, you can opt for unlimited cash back cards that give you cashback with no exclusions.

Who should apply for a cashback credit card?

• Those who prefer flexibility with cash and don’t want to be stuck in loyalty programmes or worry about expiry dates
• Those who don’t spend much and cannot justify the time and money required to accumulate miles or reward points
• Those who prefer a hassle-free experience as air miles/rewards cards require monitoring, converting and redeeming

Air Miles Credit Cards

A simple breakdown of how air miles card work is as such:

• An item costs $100
• I am using a credit card for air miles
• $100 is charged to my card
• Miles/points are credited to my card account and subsequently your frequent flier membership thereafter (eg. Krisflyer miles) to be redeemed for flight tickets

In short, one is rewarded with air miles for the amount spent on the miles card.

Pros of air miles credit cards

• The value of miles is usually higher than that of a cashback credit card
• There is often, no cap limit to the maximum amount of miles one can accumulate

Cons of air miles credit cards

• Miles can only be spent on travel-related items such as air tickets or rewards but at an abysmal rate
• Miles rate and value change from time to time
• There is usually an expiry date for miles (3 years for KrisFlyer Miles)
• There are usually conversion fees to change your points into miles (unless you use a KrisFlyer card)
• You’ll have to learn how to play the miles games which include knowing the best way to earn miles and redeem them to get the most out of your miles

Who should apply for an air miles credit card?

• High spenders and frequent flyers as it will be easy for you to accumulate miles and redeem them for flights
• Those who have a big-ticket purchase coming up and want to get the most value out of it

Rewards Credit Cards

A simple breakdown of how rewards for reward credit card work is as such:

• An item costs $100
• I am using a credit card with a certain rewards points system (usually a standard rate)
• $100 is charged to my card
• Rewards points are credited to my card account
• One can go to respective merchants to claim the reward.

Pros of rewards credit cards

• At times, the value of rewards points can be higher than the cash value
• The flexibility of choosing between rewards, cash rebates or miles depending on the card
• Possible offers or gifts exclusively for members under the rewards points system

Cons of rewards credit cards

• Reward redemptions are usually restricted to merchant partners
• Rewards points may have an expiry date

Who should apply for a rewards credit card?

• High spenders as it will be easy for you to accumulate points and redeem them for rewards
• Those who prefer to have a choice between miles or cashback as some cards let you redeem your points for cash rebates or air miles.

In conclusion, choosing between cashback, air miles, and rewards credit cards in the UAE depends on your personal spending habits and preferences. Each type of card has its own benefits and rewards program that can help you save money and earn points or miles.

If you prefer simple and straightforward savings on your everyday spending, a cashback credit card may be the best choice for you. On the other hand, if you like to travel frequently, an air miles credit card can help you earn rewards that can be redeemed for flights, hotel stays, and other travel-related expenses.

Lastly, if you want a more versatile rewards program that allows you to earn points on all types of spending, a rewards credit card may be the way to go. These cards often offer a wide range of redemption options, including shopping vouchers, gift cards, and more.

No matter which type of credit card you choose, it’s important to compare your options carefully to find the best deal for your needs. We encourage customers to visit Compare4Benefit’s website for more credit cards, credit card offers, and other credit card services that can help you save money and earn rewards in the UAE.

If you’re struggling to make ends meet, a balance transfer on your credit card in UAE can be a helpful option. Here, you can read about the Balance Transfer Credit Cards in UAE 2022.

In recent years, it’s become easier to find banks that offer balance transfer credit cards in UAE. This allows you to transfer the outstanding balance from one bank account to another, potentially giving you some breathing room.

Balance Transfer Credit Cards

1. Emirates NBD MasterCard Titanium Credit Card

The Emirates credit card comes with a range of features and benefits that cardholders can enjoy. These can include golf offers, access to airport lounges, reward points, several discounts, and more. This credit card is a top choice in the balance transfer category.

• Minimum Salary AED 5000
• Annual Fee AED 400
• Airport Lounge Access
• Dining Discounts
• Golf Benefits
• Reward Value: AED 2,994

Apply Now

2. Mashreq Bank Platinum Elite Credit Card

The features of the credit card are designed to give you peace of mind. The balance transfer feature allows you to transfer a balance from another credit card at a 0% interest rate and with no income documentation required. You can transfer a maximum of 75% of your credit limit.

• Minimum SalaryAED 7,000
• Annual FeeAED 650
• Airport Lounge Access
• Airport Pick up or Drop
• Balance Transfer
• Reward Value:AED 1,000

Apply Now

3. CBD World MasterCard Credit Card

With this credit card from Commercial Bank of Dubai, you can enjoy plenty of great privileges and experiences. With CHIP & PIN, access to airport lounges, balance transfer, and CBD rewards, this card has it all. Plus, there are two different balance transfer options to choose from – regular and revolving – so you can find the one that best suits your needs.

• Minimum SalaryAED 25,000
• Annual FeeAED 787.50
• Airport Lounge Access
• Movie Discounts
• Dining Discounts
• Reward Value:AED 16,239

Apply Now

4.CBD One Visa Signature Card

This Credit Card allows you to balance your transfers monthly at a reduced interest rate, with zero percent interest for the duration of the transfer plan. It’s a brand new, first of it’s kind, credit card personalized to you: your design, your benefits and your monthly plan. Major Benefit: Cashback, Free for life, Option to choose your personalized planbenefits.

• Discounts at over 500+ places in the UAE
• Free chill – Netflix, Amazon prime, Spotify, VOX cinemas, Roxy cinemas, Reel cinema
• Free food & drinks – Zomato, Deliveroo, Talabat, Starbucks, Costa, Tim Hortons

Apply Now

5. ADIB Value Credit Card

The ADIB card gives you the chance to rack up rewards not just for domestic spending, but for international purchases, too. You’ll be able to enjoy plenty of advantages and benefits, such as free flight tickets, vouchers to use at shopping centers, and a maximum discount of 25 percent at some of the best restaurants in the UAE. So make sure to sign up today and reap the rewards.

• Minimum Salary AED 5,000
• Annual Fee Free For Life
• Free for Life
• Dining Discounts
• Special Discounts
• Reward Value: AED 2,808

Apply Now

6. First Abu Dhabi Bank Etihad Guest Platinum Credit Card

With this credit card, you’ll get some amazing sign-up benefits that you can’t find anywhere else. But that’s not all you’ll also have access to airport transfers, the ability to earn Etihad Guest miles, and a whole host of other offers including discounts on golf, movie offers, and much more. And if that wasn’t enough, this FAB credit card also comes with protection benefits like an extended warranty, credit shield, and purchase protection.

• Minimum Salary AED 8,000
• Annual Fee AED 500
• Special Discounts
• Reward Value: AED 13,329
• Annual Charges: 500 dirhams
• Transfer up to 90 percent of the pre-decided credit limit

Apply Now

7. CBD Super Saver Credit Card

The CBD Super Saver Credit Card was created to help customers get the most out of their lives. This credit card has been a popular choice for many people in the UAE because it offers a wide range of exclusive features and benefits. The card is known for its high cashback rate, which allows cardholders to earn money back on every purchase they make.

• Minimum Salary AED 8,000
• Annual Fee Free for the first year
• Airport Lounge Access
• Movie Discounts
• Dining Discounts
• Reward Value: AED 13,867

Apply Now

8.Najm Platinum Cashback Credit Card

Spend Everywhere and Maximize your savings at Carrefour and live the platinum life with Najm Platinum Cashback Credit Card. Main Benefit: Free for Life, Discounts in Carrefour Point to Consider: No Miles with this card

• 3% Cashback every Tuesday at Carrefour
• 1.5% Cashback every day at Carrefour. Save up to AED 200 every month*
• 0.5% Cashback everywhere Visa is accepted
• Over 175,000 Expedia hotels with 9% exclusive discount
• Purchase protection & extended warranty available

Apply Now

9.FAB Abu Dhabi Platinum Credit Card

This FAB Credit Card is designed for cardholders who want to enjoy a luxurious lifestyle. The card comes with an exclusive collection of benefits and privileges, including lifestyle, travel, protection, rewards, and more. Your chance to win a Porsche Cayman and luxury dream holidays Main Benefit: Win a Porsche Cayman every year, FAB Rewards, Airport Lounge Access, Cinema Offers.

• The all-new Rewards on the FAB Mobile app
• Earn up to 4 FAB Rewards for every AED 1 you spend
• 25% extra FAB Rewards for your spending in Abu Dhabi

Apply Now

Features & Benefits of Balance Transfer Credit Card in UAE

A zero percent balance transfer credit card can be a great option for anyone who wants to avoid paying interest on their purchases for a set period of time. You can transfer your balance from an existing credit card (which might have high-interest rates) to a credit card with better APR rates, and you won’t have to pay any fees for six months or longer.

Here are the features and benefits of the balance transfer credit card:

• Low Rate of Interest-If the cardholder has a credit card with a high-interest rate, opting for a credit card with a low rate of interest is a good idea. Transferring high-interest debt from an existing credit card to a card with a much lower interest rate will help the cardholder pay off the debt. With the lower interest rate, the cardholder’s monthly credit card expenses will go toward paying the outstanding balance of their credit card, and not interest.
• Pay Low Charges- It is easy to transfer the balance to a new credit card with one that offers better benefits. If the cardholder’s existing card has a bad history in terms of high fees or low grace period, they can transfer their balance to a better credit card for the good. The new credit card may even offer promotional rewards for making new purchases. Another great way to get more value for your money is to use credit card points to book travel or make other purchases.
• Low APR- A balance transfer can help a cardholder save on their existing debt by allowing them to get a low or 0% introductory APR. This can help them pay off the balance within a set period of time.

Eligibility Criteria for Balance Transfer Credit Card Card in UAE

There are a few things that go into whether or not someone is eligible for a balance transfer credit card. The main things are an individual’s current credit health and repayment history. Additionally, being up to date on credit card payments and not overextending yourself financially are also key factors. Listed below are a few more details about balance transfer credit card eligibility.

How to Apply for Balance Transfer Credit Card in the UAE?

It is quite easy to apply for a credit card balance transfer. Here are the steps the applicant needs to follow:

1. Look for a credit card issuer that offers a significantly lower interest rate than the existing card.
2. Find all the relevant details including the processing fee.
3. Get the required application form from the issuer/bank.
4. Fill in all the necessary details including the credit limit.
5. Get the application form from the bank/financial institution
6. Fill out the application form by providing the required details such as credit limit, expiry date, the unpaid amount of the existing credit card, and the credit card number, etc.
7. Attach the required documents such as the previous month’s payment records, address poof, and copy documents of the credit card.

FAQs

1. What is a balance transfer on a credit card in UAE?

A balance transfer can help the cardholder to pay off the balance amount on an existing card by transferring it to another card.

2. Do balance transfers hurt your credit?

You may see a positive impact on your credit score if you transfer your balance to a single new card and take action to reduce your debt balances.

3. Can I transfer money from a credit card to a bank account in UAE?

some services even let you send money to a recipient’s credit card. UAE-based non-resident Indians can use a locally issued credit card and transfer money to any bank account in India through the online cross-border remittance service, Remit2India.

4. Can I do a balance transfer from a credit card to a debit card?

There is usually a fee to perform a transfer between a credit card and a debit card. This will depend on your provider but is usually somewhere between 1% and 5%.

5. How many balance transfers can I do?

You can do multiple balance transfers to the same card, as long as the amounts transferred and any transfer fees do not exceed the card’s credit limit.

6. How long does balance transfer take?

A balance transfer occurs when you move a balance from one credit card to another. This process typically takes about five to seven days.

Citi bank credit cards in UAE offer a wide range of benefits and here are the top credit cards offered by Citibank in the UAE for 2022.

Citibank was founded in 1812 and was originally known as the City Bank of New York. It later changed its name to the ‘First National City Bank of New York.

Citibank has been praised for its financial achievements and today, it has over 2,600 branches in 19 countries. The Citi Bank UAE credit card was introduced in 1964 when the first Citibank branch opened in the Dubai International Financial Centre (DIFC).

Types of Citi bank Credit Cards in UAE

Citibank UAE credit cards are divided into four categories, each with its own benefits. Travel and shopping cards offer discounts and cashback on everyday purchases, while lifestyle cards provide access to unique experiences and special events. No matter what type of card you choose, you’re sure to enjoy unmatched benefits with Citibank UAE.

Basic Card: The Citi Simplicity Credit Card is great for first-time credit card users in the UAE. It has low-interest rates and no fees for late payments or going over your credit limit.

Cashback Card: The Citi Cashback Credit Card is an excellent choice for anyone looking to get the most bang for their buck. Not only does it offer competitive cashback rates, but you’ll earn cashback on every single purchase you make with the card.

Rewards Cards: Citibank’s rewards credit cards in the UAE offer various options to cater to customers from all economic segments.

Emirates Cards: Citibank Emirates credit cards offer a wide range of travel and lifestyle benefits, including the highly attractive Skywards Miles rewards, dining, and entertainment offers. With these cards, you can enjoy all the best that life has to offer while earning valuable rewards at the same time.

Top Citibank Credit Cards in UAE

Here is a list of the top credit cards offered by Citibank in the UAE:

1. Citibank Citi Simplicity Card

• Minimum Salary (AED)5,000
• Annual Fee (AED)Free for Life
• Free for Life
• Dining Discounts
• Travel Insurance
• Purchase Protection & Extended Warranty

Apply Now

2. Citibank Citi Premier card

• Minimum Salary (AED)15,000
• Annual Fee (AED)1st Year Free
• Free for 1st year
• Airport Lounge Access
• Movie Discounts
• Golf Benefits

Apply Now

3.Citibank Emirates Citibank Ultima Card

• Minimum Salary (AED)36,750
• Annual Fee (AED)3,000
• Airport Lounge Access
• Movie Discounts
• Dining Discounts
• Golf Benefits

Apply Now

 4. Citibank Citi Cashback Card

• Minimum Salary (AED)8,000
• Annual Fee (AED)1st Year Free
• Airport Lounge Access
• Dining Discounts
• Travel Insurance
• Purchase Protection & Extended Warranty

Apply Now

6.Citibank Emirates Citibank World card

• Minimum Salary (AED)12,000
• Annual Fee (AED)1st Year Free
• Free for 1st year
• Airport Lounge Access
• Movie Discounts
• Dining Discounts

Apply Now

7.Citibank Emirates Citibank Ultimate Card

• Minimum Salary (AED)18,000
• Annual Fee (AED)800
• Airport Lounge Access
• Movie Discounts
• Dining Discounts
• Golf Benefits

Apply Now

8. Citibank Citi Prestige card

Citibank Credit Card Eligibility Criteria

A number of factors can affect the eligibility for a Citibank UAE plastic card. The following have the greatest impact on the Citibank credit card application:

• Age- To apply for a Citibank card, the applicant must be at least 21 years of The maximum age limit for Citibank cards is between 60-65 years, depending on the nationality of the applicant.UAE nationals generally notice a much more relaxed process.
• Income- Every Citibank plastic card requires a minimum monthly income. These values range from AED 5000 to AED 36,750.
• ID Proof- While UAE nationals can present their Emirates ID to complete the Citibank credit card application formalities, expats are required to submit passport and visa
• Address Proof- A valid mailing address is also required to complete the application process. This may be shown in the form of utility
• Credit History- All Citibank UAE plastic card members are run through an extensive background check of their credit Poor credit history may result in a rejected application.

How to Apply for a Citibank UAE Credit Card?

There are two ways to apply for a Citibank UAE plastic card: online and offline. To apply offline, simply visit the nearest Citibank branch in the UAE with all the required documentation. To apply online, head to the bank’s official website and fill out the application form. Online applications are recommended as they come with great Citibank UAE credit card offers, such as up to AED 1,500 credited into your account upon meeting a minimum spending requirement.

Citibank UAE Credit Card Interest Rates

Like most plastic cards, Citibank cards come with two associated interests; retail interest rates and cash advance interest rates. The retail interest rate is paid on the outstanding daily balance on the card and is normally charged at the end of a statement period. Cash advance interest rate, on the other hand, is charged on any withdrawal made with the Citibank credit card. While credit cards offer the cardholder incredible spending power, they should not be used excessively to make withdrawals due to their high cash advance interest rate.

Citibank Credit Card Limit

A Citibank UAE credit card member’s credit limit is determined through an underwriting process, which takes the following into consideration:

• The applicant’s prior credit history
• Type of Citibank credit card
• Track record with Citibank

As a Citibank card owner, you can head over to the Citibank Credit Card login to see your credit limit and to request an increase on it.

Charges on Citibank Credit Cards

Responsible card-holders make it a point to understand the various charges applicable to their credit card before making use of it.  Here are some of the main fees & charges associated with the Citibank UAE plastic cards:

Canceling Your Citi bank Credit Card

To prevent charges from accumulating on an unused card, cardholders should immediately begin the cancellation process by talking to a Citibank representative and requesting cancellation. The bank may require written confirmation, but cardholders will need to pay all due amounts and accrued charges before cancellation can be processed.

Note that Citi Bank may also cancel the credit card from their end if

• It has been inactive for a defined period of time (usually 12 months), or
• If the cardholder has continuously missed payments on the card or made use of it for unlawful activities.

Why Choose Citibank Credit Cards?

Citibank has a long history of success in the financial sector as an innovative and customer-friendly institution. Citibank UAE plastic cards are a prime example of their commitment to customers from all economic standings.

• Variety– Ranging from the super savings Citibank Cash Back card to the high profile Citibank Emirates cards, the bank has managed to create a category for all types of Their vast varieties of options that allow customers to pick a card that suits their lifestyle needs perfectly.
• Experience– Citibank UAE credit cards have been around since as early as 1964. With over 50 years of experience catering to the UAE market, the bank has managed to capture the most relevant features across its line of plastic cards.
• Integrity– 50 years of banking is no small feat. Citibank cards have withstood the test of time, providing customers with reliable and transparent services year after
• Accessibility– With over 2,600 branches in 19 countries, Citibank provides a seamlessly connected experience anytime anywhere to its customer.
• Stability– The Citi group has 200 years of experience in banking, during which they have weathered many financial crises and industry disruptions. Citibank plastic cards are a safe and stable bet.
• Benefits-Firstclass benefits and tie-ups with top name brands such as Emirates, Starwood Hotels & Resorts, and many more have created extremely rewarding opportunities for its customers. Citibank plastic card’s aforementioned benefits are some of the best in the

FAQs

1: What are supplementary cards?

Supplementary cards, also known as add-on cards, are credit cards that are offered to the eligible family members of the primary cardholder. Supplementary cards function exactly like primary cards and are even eligible for the same benefits, but all expenses and fees are charged to the main card instead. The primary cardholder can set spending limits on supplementary cards. Most of the Citibank plastic cards offer 5 supplementary cards free of charge as a benefit, while some even offer unlimited cards for family members.

2: What is a late fee?

Credit card providers charge an annual membership fee and interest on credit purchases. These are minimum monthly payments that the cardholder is expected to make by a specified date. If you don’t make the payment by this due date, you’re charged a late payment fee. This fee is charged in addition to the interest you’d normally pay on the outstanding debt. To avoid late fees, pay the outstanding amount on time every month. Late fees can also negatively affect your credit history.

3: What is an over-limit fee?

If the outstanding or current balance surpasses the set credit limit, the cardholder is charged an over-limit fee. Interest, cash advances, and other charges are also included in the outstanding balance of an account.

Members of a Citibank Simplicity card are not charged any over-limit fees.

4: What is a cash advance?

Any cash withdrawal made from an ATM or a branch with plastic money is referred to as cash Credit cards generally charge a high rate of interest on cash advances, so it is suggested to keep withdrawals to a bare minimum. Use a debit card instead to make withdrawals. Credit card withdrawals incur a cash advance fee and will also have interest charged on the withdrawn amount, starting from the date of the withdrawal itself. Once again, Citibank customers with a Simplicity card are not charged any cash advance fees.

5: What am I supposed to do if my credit card is stolen or lost?

Lost or stolen plastic cards need to be reported to a bank representative as soon as The bank will then freeze the missing card and replace it with a new one. The longer you wait to report a missing card, the more at risk you are of paying for fraudulent credit card purchases. All Citibank UAE credit cards come with a zero liability policy for lost cards. This means that as soon as customers report their card as stolen or lost, they are exempted from paying for future purchases made on the card. Citibank typically replaces a missing card within 48 hours within the UAE and in 4 working days for places outside the UAE.

6: How do I gain access to airport lounges using my Citibank plastic card?

Not all plastic cards offer airport lounges Ensure that your card has lounge access benefits or you may be charged during the entry. Similarly, only airports partnered with the bank will permit airport lounge access. To gain entry, you must have your credit card in person. The card will be swiped at the reception and relevant lounge passes will be deducted from your card benefits.

8: What are installment plans and how do I book one?

An installment plan allows the cardholder to pay for heavy purchases in smaller installments over the determined tenor. In other words, customers can purchase items within their credit limit and pay off the full amount over a period of Many banks also offer zero-interest installment plan, which charges no additional amount for these monthly installments and Citibank is one of them. However, you should confirm whether the selected vendor is covered by the bank before making a purchase, to avail the benefits of an installment plan.

8: What services can I access through online banking?

Online banking makes day-to-day transactions easier and hassle-free. Some of the many features of online banking are as follows:

• Account Balance & Statement
• Transaction History
• Fund Transfers: To accounts of the same bank, in other banks and even overseas
• Pay Bills
• Add Beneficiaries & Manage Investments
• Add & Modify Personal Information
• Block & Cancel Cards
• Schedule Fund Transfers
• Create Activity Alerts and a lot more

9: Will I earn loyalty points on online purchases as well?

Yes, any purchases made through your plastic card are liable for loyalty points. These purchases can be made in person To ensure you are earning points, first confirm whether your card gives you access to a loyalty program. Furthermore, factors such as the type of currency being used (foreign or local), type of items being purchased (grocery and real estate purchases may earn less), and yearly earning limits can determine whether you earn points. Citibank UAE credit cardholders are automatically enrolled in loyalty programs, where applicable.

10: Where do I make my credit card payments?

Cardholders have to pay the outstanding amount by a specified payment due date, to avoid late fees and delinquencies in their credit These payments can be made through the following ways:

• Through online transfers
• Through automatic monthly payments (also known as direct debit)
• Through ATM deposits (in cash or by cheque)
• Through a UAE fund transfer system (UAEFTS)

Are you a frequent traveler looking for the best credit card for booking flights and hotels in the UAE?

If you’re a frequent traveler, you know how expensive flights and hotel stays can be. Fortunately, credit cards can help you save money and earn rewards on your travel expenses.

In this comprehensive guide, we’ll take a closer look at the best credit cards for booking flights and hotels in UAE.

Benefits of using a credit card for booking flights and hotels

Before we dive into the best credit cards for booking flights and hotels, let’s take a look at some of the benefits of using a credit card for your travel expenses. First and foremost, many credit cards offer rewards programs that allow you to earn points or cashback on your purchases. This can help you save money on future travel expenses or other purchases.

Additionally, some credit cards offer travel benefits such as airport lounge access, priority boarding, and free checked bags. These perks can make your travel experience more comfortable and convenient. Finally, using a credit card for your travel expenses can provide added security and fraud protection.

Top credit cards for booking flights and hotels in UAE

1. Citibank Citi Simplicity Card

• Annual Fee: Free
• Minimum Salary Requirement : AED 5,000
• Rate :3.5%

The Citi Simplicity Credit Card is specifically designed to cater to your basic lending needs and is extremely user-friendly. It does not have any annual fee, late payment fee, cash advance fee or overlimit fee, which means you can use it without any worries. Its terms are straightforward and hassle-free.

2.Emirates Citi Bank Ultimate Credit Card

• Annual Fee: AED 800
• Rate: 3.25%
• Minimum Salary: AED 18,000

The Emirates-Citibank Ultimate Credit Card is ideal for frequent travelers, with the ability to earn up to 1.25 Skywards Miles on every USD spent. These miles can be redeemed for Emirates flights and upgrades. Cardholders can also enjoy unlimited access to 1,100+ airport lounges worldwide for themselves and a guest with the MasterCard Travel Pass app, as well as a complimentary round of golf each month.

3.CBD World Master Card

• Annual Fee: Free
• Rate: 3.45%
• Minimum Salary: AED 25,000

The World Mastercard® is tailored for our esteemed clients, offering an array of exclusive benefits and unforgettable experiences. The card’s main features include rewards points, access to airport lounges, and discounts on cinema tickets. It’s important to note that the card has a high salary requirement.

4.CBD Visa Infinite Card

• Annual Fee: Free
• Rate: 2.99%
• Minimum Salary: AED 30,000

The CBD Visa Infinite Card is custom-made for our discerning clients and caters to their unique needs and distinguished lifestyle. The card offers access to airport lounges, discounts on cinema tickets, and free travel insurance as its primary benefits. However, it’s important to note that the card requires a high salary.

5.CBD Visa Signature Islamic Card

• Annual Fee: Free
• Rate: 2.99%
• Minimum Salary: AED 10,000

The Attijari Al Islami Visa Signature card offers worldwide acceptance and greater spending power, with the added advantage of earning exclusive rewards for every purchase. The card provides peace of mind with travel insurance and allows cardholders to redeem their points for either Skywards miles or cashback.

6.Citi Bank Prestige Credit Card

• Annual Fee: AED 1,500
• Rate: 3.25%
• Minimum Salary: AED 30,000

The Citi Prestige (R) Credit Card offers flexible lifestyle options and rewarding benefits to its cardholders. Points earned can be redeemed for cash rebates, merchandise, travel-related expenses, or transferred to any of the 12 partner airlines including Emirates, Etihad, Flydubai, and British Airways. Moreover, cardholders can enjoy a complimentary fourth night stay at hotels.

7. ADCB Traveller Credit Card

• Annual Fee: AED 1,000
• Rate: 3.25%
• Minimum Salary: AED 35,000

ADCB’s traveller credit card provides a range of exciting travel benefits, including 20% off on flight and hotel bookings through Cleartrip and Hotels.com, complimentary travel insurance, unlimited lounge access to 750+ premium airport lounges, and 2 TouchPoints earned per AED 1 spent. Cardholders can also enjoy up to 6 nights’ complimentary stay and special benefits at Ferrari World Abu Dhabi and Yas Waterworld.

8.Emirates NBD Infinite Credit Card

• Annual Fee: 1,500 AED
• Rate: 2.99%
• Minimum Salary: AED 50,000

The Emirates NBD Visa Infinite Credit Card is exclusively designed for discerning cardholders who deserve the very best in life. The card offers an unparalleled and diverse range of luxurious privileges, personalized services, and unmatched security to match your lifestyle. Additionally, you can earn AIR MILES through your card transactions.

9. Emirates Citibank Ultima Credit card

• Annual Fee: 3,000 AED
• Rate: 3.25%
• Minimum Salary: AED 36,750

The Emirates-Citibank Ultima Credit Card offers an exclusive metal card to cardholders, allowing them to earn up to 2.5 Skywards Miles per USD spent. New cardholders receive a welcome bonus of 25,000 Skywards Miles and 10,000 Skywards Miles annually upon payment of the annual fee. Additionally, the card provides complimentary Emirates Skywards Silver membership.

11. Emirates Islamic Skywards Infinite Credit Card

• Annual Fee: 2,000 AED
• Rate: 3.25%
• Minimum Salary: AED 25,000

This credit card offers up to 2 Skywards Miles per USD spent, as well as unlimited complimentary access to over 1000+ airport lounges and unlimited rounds of complimentary golf any day of the week. Cardholders also receive Skywards Silver Membership benefits.

12. Emirates NBD Skywards Signature Credit Card

• Annual Fee: 700 AED
• Rate: 3.25%
• Minimum Salary: AED 15,000

The Skywards Signature Credit Card offers a variety of travel and lifestyle perks for its users, with unmatched Skyward Miles being a key feature. Additionally, cardholders can enjoy various banking services tailored to meet their individual needs. The main advantage of this card is the ability to earn up to 1.5X Skywards Miles.

13.CBD Visa Signature Card

• Annual Fee: Free
• Rate: 2.99%
• Minimum Salary: AED 10,000

With the CBD Visa Signature Card, you can enjoy unparalleled financial flexibility, spending power, and exclusive privileges. One of its major advantages is the peace of mind that comes with travel insurance, and the ability to redeem points for Skywards miles or cashback. However, it’s important to note that foreign exchange fees may apply to foreign spends.

14.CBD Visa Infinite Islamic Card

• Annual Fee: Free
• Rate: 2.25%
• Minimum Salary: AED 20,000

15. RAKBANK Emirates Skywards World Elite Mastercard

• Annual Fee: Free
• Rate: 3.45%
• Minimum Salary: AED 20,000

Emirates Skywards silver tier membership, and a complimentary one-year Amazon Prime subscription. Additionally, cardholders can enjoy a free staycation at Rixos Premium JBR and earn a joining bonus of 20,000 Skywards Miles upon payment of the annual fee of AED 1,499. The card also offers 50% extra Skywards Miles on retail spends in the first three statements, up to 80,000 Skywards Miles on balance transfers from non-RAKBANK Credit Card, and guaranteed Emirates Skywards Silver tier membership for both the primary and supplementary cardholders.

16. RAKBANK Air Arabia Platinum Credit Card

• Annual Fee: Free
• Rate: 2.99 %
• Minimum Salary: AED 30,000

The RAKBANK Air Arabia Platinum Credit Card is designed to provide excellent value both in the air and on the ground. Whether you use it for domestic or international spending, you can enjoy unparalleled Air Rewards Points, along with a host of benefits, savings, and privileges.

In conclusion, finding the right credit card for booking flights and hotels can be a game-changer when it comes to travel planning. Whether you’re looking for the best rewards, cashback, or exclusive perks, there’s a card out there that suits your needs. We encourage customers to visit Compare4Benefit’s website to explore more credit cards, credit card offers, and other credit card services that can help you save money and earn rewards while booking your next vacation. Happy travels!