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15 Travel Credit Cards In UAE 2023


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

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

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

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

Apply Now

4. CBD Visa Infinite Card

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

Apply Now

5. Deem Mastercard Platinum Miles Up Credit Card

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

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

Apply Now

2.Emirates Citibank Ultima Credit card

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

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

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

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

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.

Apply Now

4. Mashreq Platinum Elite Credit Card  

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

RAKBANK 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


  • 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.


  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.

  1. 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.

  1. 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

  1. 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

  1. 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.

  1. 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.


Business Credit Cards In UAE 2023


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

  • 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

CITI Cashback 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

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

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

Cashback Plus

  • 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!

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Best Credit Cards For Utility Bills in UAE in 2023


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!

1.Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

  • 6%* cashback on your everyday spend
  • 6%* cashback from Netflix
  • No minimum spend.
  • 0% interest on 3-month EasyPay and 100% cashback on fees. Earn Rewards Points on your instalments
  • 6%* cashback on you
  • Everyday spend at your favorite merchants across fast food dining, coffee and toast, digital subscriptions and on your daily commute (Bus/MRT). No minimum spend requirement.
  • Enjoy dining and shopping discount privileges at over 3,000 outlets in Asia with Standard Chartered’s The Good Life benefits program
  • All other eligible spends will earn 0.5% cashback

2.HSBC Advance Credit Card

 HSBC Advance Credit Card

  • 1.5%  Cash Back
  • 3.5% Bonus Cash Back
  • Wireless Payment
  • Receive up to S$200 cashback and a chance to play the Sure-Win Hong Bao game to win prizes like the OSIM massage chair, Dyson fan, shopping vouchers and more! T&Cs apply

  • First year annual fee waiver

  • Enjoy 2.5% cashback on all local and overseas spend with S$2,000 minimum spend

  • Enjoy 3.5% cashback on all local and overseas spend and perpetual annual fee waiver when you’re a HSBC Everyday Global Account customer as well

  • Use your card as an EZ-Link card by activating the card via SimplyGo. Bus and MRT fares will be charged directly to your statement, so there’s no need for auto top-up arrangements.

3.Citi Cash Back Credit Card


  • 5% Cash back on telephone & utility bill payments
  • 0.5% Cash back on all other spends
  • Automatic redemption
Apply Now
  • 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

First Abu Dhabi Bank Cashback Credit Card

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

Mashreq Bank Cashback Credit Card

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

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!

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Cashback vs Air Miles vs Rewards Credit Cards in UAE 2023


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.

 CashbackAir MilesRewards
MechanicsReceive X% in cash automatically to offset your next bill paymentEarn X miles per dollar that you can redeem for flights/rewardsEarn X points per dollar that you can redeem for rewards
ProsHassle-freeValue of miles usually higher than cashback
Usually no cap limits to mile earnings
Value of rewards might be higher than cashback
Flexibility of choosing between rewards, cash rebates or miles depending on card
ConsCashback caps may apply
Min. spend may apply
Miles rate changes
Conversion fees/min. spend may apply
Expiry dates
Redemptions usually restricted at merchant partners
Expiry dates

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.

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Balance Transfer Credit Cards in UAE 2023


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.

Emirates NBD Mastercard Titanium Credit Card

  • 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.

Mashreq Platinum Elite Credit Card

  • 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.

Commercial Bank of Dubai World MasterCard

  • 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.

CBD One Visa Signature Card

  • 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.

ADIB Value Card

  • 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.

FAB Etihad Guest Infinite Credit Card

  • 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.

CBD Super Saver Credit Card

  • 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

Najm Platinum Cashback Credit 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.

FAB Abu Dhabi Platinum Credit Card

  • 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.


  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.

  1. 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.

  1. 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.

Mortgage Basics You Should Know But Are Afraid To Ask

Mortgage FAQ- UAE

Investing in your dream home is a very big deal in your life. And the process involves meeting with developers and agents, browsing through the internet, talking with family and friends, visiting properties, and then making the final decision. All these things are exciting, but there is one thing that is often less exciting, financing your home. 

You need to choose the right type of mortgage in Dubai so that you can properly finance your dream home. If you are looking for mortgage options in Dubai and the ways to make the most out of it, then this guide is perfect for you. In this detailed article, we will be delving into details that cover the basics of a mortgage in Dubai. 

Mortgage Law In Dubai 

The Mortgage Law of Dubai implies property mortgage and property units as security for a debt, which is registered within the Dubai Land Department. It highlights that a valid lender should be a bank, financial institution, or company actively licensed and registered with the UAE 

Central Bank to offer property financing in the country. Additionally, the mortgagor needs to be the owner of the mortgaged property and have the right to dispose of the same. 

The law requires that only mortgages that are registered under the Land Departments on the real estate register or the interim register will be viewed as valid. The mortgage ranking is determined by the allocated serial number and time on the registration. In Dubai, only registered mortgages are considered lawful. 

Coming to the enforcement, the law mentions that any clause within the mortgage contract specifying that when the borrower is not able to pay the bet within a certain period, the lender can seize the title of that property or can sell the property without going through the enforcement steps stated under the law. 

The provision also mentions the execution process on mortgage property foreclosure, offering a streamlined procedure on default by any borrower. Following are the enforcement steps:

  • In case of default in payment by the mortgage borrower, the lender needs to provide him or her with 30 days of written notice via the Notary Public prior to going forward with the execution procedure.
  • Even within 30 days, if the borrower fails to pay the due sum, upon the request of the lender, the execution judge shall order an attachment against the concerned property. It will allow the property to be sold through a public auction adhering to the applicable procedure mentioned in the Land Department. 

Are You Eligible To Mortgage A Property In Dubai?

Irrespective of the type of property, to mortgage a property in Dubai, you must fulfill certain eligibility criteria. Following are the criteria you need to fulfill:

  • You must be between the age of 21 and 65
  • If you are salaried, you need to have a monthly income of at least AED 15K. 
  • If you are self-employed, your monthly income should be at least AED 25K. 

The minimum salary requirement for a mortgage can vary based on the bank’s policies. In fact, some banks allow UAE nationals to take a loan with a monthly income of AED 8K.

For self-employed individuals to get a mortgage, they must be running the business for a minimum of two years. It would be helpful if they already have an existing relationship with the bank. 

Moreover, some banks will only provide a mortgage to applicants who are working for certain predetermined companies. This implies that if you are working in a government company, financial institution, or multi-national company, your chances of getting a mortgage increase. 

However, if you are working for a less-established employer, you are likely to have problems getting a loan from some lenders even when you are creditworthy.

Expats can also avail of a mortgage in UAE, but there are certain criteria. You must have your existing job for at least six months or one year based on the lender’s rules. 

Additionally, it is imperative that you hold a clean credit history when applying for a mortgage because lenders will reject the applicants who have non-existent or poor credit files. So make sure you check your credit file and repair any issues before applying for a loan. 

And, if you have no history of credit, then you should consider investing in a credit card and paying the bill every month to establish some credit history.

Different Costs To Consider While Investing In A House In Dubai 

There was a time when high property prices made buying a home in Dubai a mere dream for many. But today, the development of affordable housing options and declining prices have allowed people to turn their dreams into reality. In fact, in some cases, the monthly mortgage repayments would come less than rents. Additionally, you will also enjoy the added advantage of capital growth on the asset. 

Having said that, you need to understand the overall costs associated with buying a home that goes beyond your loan repayment. There are various charges imposed by the government agencies like real estate developers or agents, Dubai Land Department, mortgage lenders, conveyancers, etc. 

Following are the costs that you should consider when planning to buy a house in UAE: 

  • Government Fees 

As we mentioned above, in UAE, all purchases are required to be registered with the DLD within 60 days of your transaction. And if you are unable to do the same, your purchase will be considered void.

Theoretically, the DLD charges, which are 4%, must be divided in half between the seller and the buyer. However, practically, the buyer ends up paying the whole 4% to the DLD. Additionally, the buyer also has to pay for the Property Registration Fee. When you invest in a home through a mortgage, you have to pay an extra fee of 0.25% of the overall mortgage value to the DLD. This is done to register your home loan against the property. 

  • Dubai Land Department Fees – 4% of the overall purchase value. Additionally, AED 580 admin fee is provided for offices and apartments, AED 40 for off-plan, or AED 430 for land. 
  • Dubai Land Department Mortgage Registration Fees – 0.25% of the overall mortgage amount along with AED 290. 
  • Property Registration Fee – AED 2000 along with 5% VAT for properties valued under AED 500,000. And, AED 4,000 plus 5% VAT for property valued over AED 500,000.
  • Mortgage Fees 

Banks charge a 1% mortgage arrangement fee along with 5% VAT. Additionally, buyers also have to pay a property valuation fee, which could range between AED 2,500 and AED 3,500 plus 5% VAT. The fees are payable directly to the bank. Some enable buyers to add these upfront costs to the mortgage to alleviate the stress of the initial financial expense.

 It is also vital to note that when investing in a property where the seller has a registered mortgage, the buyer will first have to pay out the seller’s mortgage to acquire the NOC or No Objection Certificate to process the property transfer through the DLD. Moreover, NOC states that the seller has paid off all the fees, and the developer has no objection to the subject sale. 

  1. Service Fees 

After the transaction has settled and furthered the property owner has been transferred, there is an extra expense to consider; service fees. You have to pay for the annual maintenance charges on the property to the Dubai Land Department, which is based on the RERA Service Charge and Maintenance Index. 

It determines a certain charge per square foot that differs based on the community. You can source the updated fees from the DLD official website. The amount is contributed to the maintenance of common areas of the community or building, for instance, security, swimming pools, landscaping, elevators, etc. 

  • Initial Deposit

For primary as well as secondary transactions, buyers have to pay a certain deposit in order to secure the purchase. In the case of ready property purchases within the secondary market, buyers have to pay 10% of the overall purchase price to the seller through a cheque. 

This amount is collected by the authorized agent who possesses the deposit until the property is transferred successfully. Additionally, where there is an existing mortgage registered against the property, the buyer needs to pay out the mortgage to apply for a NOC to acquire the title deed for the concerned property. 

  • Insurance Fees 

While home insurance is not mandatory, it is highly recommended. It provides you with protection against loss or damage because of accidents, theft, natural disasters, or fires. Life insurance is mandatory when taking a mortgage in the UAE. 

Premium payments of life insurance are continuous shot of mortgage homeownership that must be factored into the budget. Generally, banks charge it monthly, separate from the mortgage. They charge around 0.4% to 0.8% annually on decreasing mortgage balance.

However, some banks require the insurance policy to be paid in full for a year. Banks have their own life insurance policy underwritten by leading life insurance companies. But if you are looking for a cheaper option, you should consider getting an external life insurance policy. 

  • Home and Contents Insurance – Around AED 1,000
  • Life Insurance – Between 0.4% and 0.8% annually on decreasing loan balance

What Documents Are Needed To Acquire Home Loan in Dubai?

When you are applying for a loan in Dubai, there is certain paperwork that you need to submit to process the application. The documentation requirement differs from one bank to another. But generally, banks require you to submit the following documents:

  1. A copy of Emirates ID
  2. A copy of visa and passport
  3. A salary certificate to ensure employment 
  4. Banks statements and payslips for the last six months 
  5. Proof of residences like DEWA bill or tenancy contract
  6. The latest credit card statement 

What Is The Process Involved In Getting A Mortgage?

Following are the steps you have to go through to get finance in UAE:

  • Finding The Right Lender 

Home loans in Dubai are sourced via banks that are registered with the Dubai Land Department. You can either hire a broker to work on your behalf or directly approach the bank. When you hire a broker, you can leverage their knowledge and insight into the local market and extend available home loan options that would work best for you. It allows you to direct your efforts on finding the perfect home rather than juggling with the paperwork and other formalities. 

  • Selecting The Type Of The Mortgage 

There are different types of mortgages available in Dubai. They would comprehensively fall under the categories of fixed-rate and variable-rate loans. There are different factors that you must consider when deciding what type of mortgage is ideal for your circumstances. 

Some of the key factors are your lifestyle, the amount of loan you need, the property you want to purchase, the cash deposit you can pay. Generally, banks have dedicated online mortgage calculators that enable you to insert variables and get approximate monthly installments. 

  • Obtain Pre-Approval Letter 

This is the most important step of the process. A mortgage pre-approval letter is defined as an official document which is issued by the bank. It acts as evidence that you are eligible for housing finance. It highlights the maximum amount the bank will give you like a loan and offers better certainty of availing of a home loan. Typically, it will take three to five business days to get your pre-approval letter. 

  • Finding Your Property

Once you have a pre-approval letter and a budget, you can look for your home. A pre-approval letter is valid for 60 to 90 days based on the lender. Therefore, you have a sufficient amount of time to search for your dream property. You can also find your property first and then apply for a loan. But sometimes, you are not able to secure the entire amount of property value that you need to purchase. 

  • Finalizing Your Purchase

Once you have finalized the property, you can finalize the loan agreement with the bank. The bank is likely to assign a property evaluator to assess the value of the property and help you to make a good offer on the same. After you and the seller have agreed on a price, you can pay the deposit and determine a date on which you can complete the purchase transaction. On that date, the bank will release the amount to the seller. 

Taking a mortgage in Dubai does not have to be complicated. Above are some basic information that is very important in taking a home loan in Dubai. 


Citibank Credit Cards in UAE-Compare4Benefit


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:

  • 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

  • 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
  • Minimum Salary (AED)8,000
  • Annual Fee (AED)1st Year Free
  • Free for 1st year
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts

Apply Now

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

Apply Now

  • 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


  • Minimum Salary (AED)30,000
  • Annual Fee (AED)1,500
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts
  • Golf Benefits

Apply Now

Features & Benefits of Citi Bank Credit Cards

Citibank offers a wide variety of credit cards to cater to all types of spenders. From heavy shoppers to travel enthusiasts, each credit card comes with its own defined credit limit and card-specific benefits. Depending on the card you choose, some of the many benefits Citibank credit cards offer in UAE are:
Air Miles: One of the most advantageous features for Citibank credit card holders who fly frequently is the ability to earn air miles. With some Citibank UAE credit cards, cardholders can earn skyward miles based on how much currency is spent (usually more for foreign currency). These miles can then be redeemed for things like flight tickets, an upgrade from economy to business class with Emirates, or even at some specific retailers.
Complimentary Airport Lounge Access: You can make your time at the airport much more pleasant by using a Citi bank credit card to get into one of the many luxurious lounges. Many of these credit cards offer free access to premium airport lounges all over the world. Depending on which Citibank UAE credit card you choose, you may get one free pass to access these lounges.
Supplementary Cards: Citi bank credit cardholders can help their family members by adding them to their credit card accounts. These supplementary or add-on cards have a few benefits including a pre-defined credit limit and access to the same perks as the primary card.
Cinema Offers: Citibank credit cardholders in the UAE can enjoy a free movie ticket at VOX Cinemas every month.
Complimentary Golf Benefits: UAE is a beautiful country with plenty of stunning golf courses to offer. If you’re a Citibank UAE plastic card member, you can enjoy free access to some of these prestigious locations across the country. All you have to do is spend a minimum of AED 5,000 per month with certain Citibank credit cards, and you’ll be able to enjoy limitless free golfing on weekdays and a complimentary round of golf once every month on weekends.
Travel Privileges: Citibank credit cards offer a host of travel privileges to its cardholder including hotel discounts, complimentary Marhaba Meet & Greet Service, discounted car rentals, complimentary travel insurance, and much more.
Rewards & Offers: Citibank UAE’s credit cards offer a great variety of spending options and an extremely flexible reward system, making it one of the best credit cards in UAE for all types of rewards. Offers are regularly updated to keep up with customer interests, while reward points may be used to redeem the annual membership fee of the Citibank credit card.
Purchase Protection: Purchase protection is a great feature for buyers who want that extra bit of safety net when making big purchases. These Citibank cards offer coverage for new purchases, stating that any newly bought item that is damaged or stolen within 90 days from the date of purchase is eligible to be replaced or reimbursed for the full value, as per the store’s receipt.

Citibank Credit Card Offers

Citibank offers a wide variety of credit cards to consumers, each with its own benefits and features. In addition, cardholders can enjoy a number of Citibank credit card offers, depending on the card variant. Some of the common Citi bank credit card offers are detailed below:

Annual Fee Waiver: There are many credit cards that offer a waiver on the annual fee. Some cards offer the first year free, while others offer the opportunity to earn annual fee-free years by meeting a minimum spend. This can be a great way to reduce the cost of credit card ownership.

VoucherSkout Discounts: Depending on the Citibank credit card, the cardholder could be eligible for up to 150 VoucherSkout credits. These credits work like a 50% discount at more than 500 participating outlets.

MasterCard Exclusive Offers: Cardmembers of certain card variants can enjoy the MasterCard privilege offers.

Buy One Get One Offers with VOX: Citi bank credit card holders can enjoy complimentary buy one get one free movie tickets at VOX Cinemas. However, the monthly cap might vary from one card to another.

Marhaba Meet and Greet Services: Citibank credit card holders can access the Marhaba Meet and Greet services to help make their travel smoother. This service is an exclusive perk for Citibank cardholders that can help make their travel hassle-free.

Complimentary Roud of Golf: Citibank credit card holders can almost always enjoy complimentary golf services. The monthly limits on these services differ from one card to the next, so it’s important to check before you book your tee time. With this benefit, you can save money and enjoy a round of golf with friends or family.

Complimentary Stay: Citi offers a great card for people who travel a lot. One of the benefits is a complimentary hotel stay for the fourth night worldwide.

Annual Membership Fee & Income Eligibility of Citi bank Credit Cards

Given below are the consolidated figures for all Citibank UAE credit cards.

Category Citibank Credit Card Name Annual Membership Fee (in AED) Minimum Monthly Income Required (in AED)
Basic Card Citi Simplicity Credit Card 0 5,000
 Cashback Card Citi Cashback Credit Card 300* 8,000
RewardsCards Citi Prestige Credit Card 1,500 30,000
Citi Premier Credit Card 750 15,000
Citi Rewards Credit Card 300 8,000
 Emirates Cards Emirates-Citibank Ultima Credit Card 3000 36,750
Emirates-Citibank Ultimate Credit Card 800 18,000
Emirates-Citibank World Credit Card 400 12,000


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.

Card Name Monthly Retail Interest (in %) Monthly Cash Interest (in %)
Citi Simplicity 3.50 3.50
Citi Cashback 3.25 3.25
Citi Rewards 3.25 3.25
Citi Premier 3.25 3.25
Citi Prestige 3.25 3.25
Emirates-Citibank World/Titanium/Gold 3.25 3.25
Emirates-Citibank Ultimate 3.25 3.25
Emirates-Citibank Ultima Visa/Ultimate MasterCard 3.25 3.25


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:

Description Charges
Late Payment Charge (Not applicable for Citi Simplicity)
  • AED 230
Over-Limit Charge (Not applicable for Citi Simplicity)
  • AED 249
Cash Advance Charges (Not applicable for Citi Simplicity)
  • 3 percent of cash advance or AED 99 (whichever is greater)
Card Replacement Charges
  • AED 50
Returned Cheque Charges
  • AED 100
Card Conversion Charges
  • AED 50
Sales Draft Copy
  • AED 65


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


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)

Best No Annual Fee Credit Cards in UAE 2023

Credit cards free for life

Looking for No Annual Fee Credit Cards in UAE?
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Then you’re in the right place.

While the plethora of luxury credit cards in UAE charge an annual fee, a vast array of top-tier credit cards offer ample rewards without an annual fee.

In fact, these include some of the best credit cards around.


Summary of No Annual Fee Credit cards in UAE

The table shows a basic summary and comparison of different credit cards in UAE.

Credit cards

Card Feature

Minimum Salary Requirement

Apply Credit card

Citi Bank Simplicity Credit cardNo late fee and over limit fee.
No cash advance fee.
20% offers on selected restaurants.
Unlimited access to selected airport lounges in the Middle East
5000 AEDApply Now
CBD Visa Infinite CardUnlimited Airport Lounge Access.
Free Travel Insurance
50% discounts on VOX tickets online.
30,000 AEDApply Now
CBD Visa Platinum Credit CardRedeem points for Skywards miles.
Discounts on movie tickets.
Discounts on AVIS car rentals.
8000 AEDApply Now
CBD eTijari Web Card Used only for internet transactions.
Facility to set your own credit limit.
8000 AEDApply Now
ADIB Value Plus CardUp to 25% discount on dining.
Get rewards on your domestic & international spends.
Enjoy up to 25% discount on dining across the UAE.
5000 AEDApply Now
Noor Bank Priority World Credit cardEach 2 points (2% of spend) for every AED 1 you spend on your credit card.
Airport pick up & drop off 12 times a year.
Free golf for 2 people at Arabian Ranches Golf Club Dubai.
35,000 AEDApply Now
Najm Platinum Cashback Credit CardExclusive offers and dedicated checkout counters at Carrefour.
Monthly cashback savings up to AED 200.
30% discount on dining.
7,000 AEDApply Now

List of No Annual Fee Credit Cards In UAE

Here are some of the best collection of credit cards that offers maximum benefits for their customers with no annual fee.

1. Citibank Simplicity Credit Card:

No Annual Fee Citibank

Card Description :

CitiCashback Credit cardThe Citibank Simplicity Credit Card has proven to be the stand-out round no annual fee credit card in UAE 2021 and is maintaining its popularity in 2022.

It is basically a free-for-life & low-interest credit card which offers an interest rate of 3.5 % of the outstanding amount with up to a 51 day interest free period.

If you are that forgetful type who tends to run late on payments, don’t worry.

There is no late time fee ever for this simplicity card.

Main Features of Citibank Simplicity Credit Card

✔  No Late Time Fee   – Ever

✔  No Over Limit Fee  – Ever

✔  No Annual Fee – Ever

✔   No Cash Advance Fee – Ever

✔   Minimum Salary Required is 5000 AED.

Benefits of Citibank Simplicity Credit Card:

  • Shopping and Dining Credit Card.
  • Unlimited lounge access in selected airport lounges across the Middle East.
  • Complimentary Travel Insurance and Purchase Protection.
  • Get hundreds of Buy 1 Get 1 free offer across hotels, dining, spas, leisure & entertainment in cities throughout the Middle East & Africa.

 Click here to Apply for Citibank Simplicity Credit Card.


2. CBD Visa Infinite Card:

cbd infinite no annual fee card

CBD Visa infinite credit card

Card Description :

The CBD Visa Infinite Credit Card is an excellent option for those who want to take advantage of balance transfer and are averse to paying an annual fee.

The main advantage of this credit card is that it can act both as a low-balance transfer card and as a cashback rewards card all in one. This Credit card is great to redeem reward points for skyward air miles.

Major Features of  CBD Visa Infinite Credit Card

✔  Conventional Balance Transfer Credit Card.

✔  Interest rate on this card is 2.99%.

✔  Earn Attijari Points for all your purchases and you can redeem them for cashback.

✔  Attijari points can be converted for Skywards Miles.

✔   Minimum Salary Required is 30,000 AED.

Benefits of  CBD Visa Infinite Credit Card

  • Unlimited access to VIP lounges globally.
  • Concierge service is available at airports with this card.
  • Avail airport dining discount program with dragon pass.
  • Free valtrans valet parking at different locations in UAE.
  • Earn 2.5 Attijari points on international spending, 2 points on local spending, and 1 point for groceries and supermarkets.
  • 50% discount on VOX Cinema tickets. (T&C Apply).
  • Get discounts on dining, shopping, and travel.

Click Here to Apply for CBD Visa Infinite Credit card

3. CBD Visa Platinum card

visa platinum no annual fee

Card Description:

credit card - cbd visa platinum

The CBD Visa Platinum Card ticks off all the boxes of a great balance transfer credit card.

Plus, the card has no annual fee, a low-interest rate of 2.99% as well as cashback on purchases.


Major Features of  CBD Visa Platinum Credit Card

✔  Zero Balance Transfer offers.

✔  Interest rate on this card is 2.99 %.

✔  Discounts with Agoda.

✔  Redeem points for Skywards miles or cashback.

✔   Minimum Salary Required is 8000 AED.

Benefits of CBD Visa Platinum Credit Card

  • Attijari points can be converted for Emirates Skywards or Etihad Guest Miles.
  • Repayment period of 52 days.
  • Attijari Points Rewards Program – earn up to 2.5 points for every Dirham spent.
  • Get Airport Dining Discount Program with Dragon Pass.
  • Offers free multi-trip travel insurance

Click here to Apply for CBD Visa Platinum Credit Card. 

4. ADIB value plus card


adib no fee annual


ADIB Visa Credit Card

Card Description :

The ADIB Value Plus Card could be the one worth considering , if you’re looking for a card that will give you valuable cash rewards on every purchase.

Earn reward points while you spend and enjoy the flexibility of converting them into shopping or dining vouchers, airline tickets and more.

Main Features of ADIB Value Plus Card

✔  An Islamic Credit Card with a low salary requirement.

✔  Interest rate on this card is 3.09%.

✔  Get rewarded for local and international spend

✔   Minimum Salary Required is 5000 AED.

 Benefits of ADIB Value Plus Card:

  • Access to airport lounges across GCC/MENA Region.
  • Get up to 25% discount on select dining outlets across the UAE.
  • ADIB Reward Points can be redeemed for airline tickets.
  • Earn 1 reward point for 1 AED on domestic spending & 2 reward points for every 1 AED on international spending.
  • Facilities like Roadside assistance.
  • You can redeem points for shopping vouchers.

    Click Here to Apply For ADIB Value Plus Credit Card


5. Noor Bank Priority World Credit Card


Noor Card

Noor Credit Card

Card Description:

The Noor Bank Priority World Credit Card has been designed with UAE golfers in mind.

If you’re a frequent golfer, you may be able to reap some rewards for doing what you love.

Main Features of Noor Bank Priority World Credit Card

✔ This card is an Islamic Card.

✔ Free Access to Premium Gyms (T&C Apply).

✔ Free Golf for two people (T&C Apply).

 Balance Transfer and Credit shield facilities.

✔ Minimum Salary Requirement is 35,000 AED.

Benefits of Noor Bank Priority World Credit Card

  • Free access to selected gyms in Dubai and Abu Dhabi.
  • Get 6 free valet parking services per month at selected locations.
  • Unlimited Airport lounges access around the world.
  • The airport picks up and drops off (6 times a year).
  • Marhaba meets and greets services.
  • For every Dirham you spend on your credit card, you earn 1.5% cashback on domestic spending and 2% cashback on International Spends

Click Here to Apply for Noor Bank Priority World Credit card


6. Najm Platinum Cashback Credit Card



Najm Platinum Credit card uae

 Card Description  :

The Najm Platinum Cashback Credit Card is designed for saving money on groceries.

You can maximize your savings with this card and get exclusive category discounts and offers at Carrefour.

Main Features of Najm Platinum Cashback Credit Card

✔ Free for Life Credit Card.

✔ Balance Transfer Facility.

✔ Monthly cashback savings of up to AED 200.

✔ Dedicated check-out counters at Carrefour.

✔ Visa Platinum Extended Warranty.

✔ Minimum Salary Requirement is 7000 AED.

Benefits of Najm Platinum Cashback Credit Card

  • 3% Cashback every Tuesday and 1.5 % every day at Carrefour.
  • Free unlimited Valet Trolley at Carrefour.
  • Visa Platinum discounts on dining, shopping, travel & cinemas.
  • Visa Platinum Purchase Protection.
  • Weekly category discounts & exclusive offers at Carrefour.

Click here to Apply for Najm Platinum Cashback Credit card

How to Choose No Annual Fee Credit cards in UAE

There is no single best  “no annual fee credit card” as the cardholders have different expectations and requirements, here are some of the factors you can prefer when choosing them.

Fees: Consider other fees like foreign transactions, balance transfer fees, and more in a No annual fee credit card.

Rewards Rate: Choose the credit card that provides the higher value for each purchase and look for cashback offers.

Staying Power: Go with a credit card that favors long-term utility over short-term rewards, this is suitable if the cardholders prefer to hold the credit card for several years.

Sign-up Bonus: Prefer no annual fee credit card that offers sign-up bonus so that you can avail yourself set of benefits with them.

Other Perks: Also check whether the no annual fee credit card has some other unique benefits like airport lounge access, discount on movie tickets etc.


Best credit card for booking flights and hotels in UAE 2023


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

Citi Bank Simplicity Credit 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.

Apply Now

2.Emirates Citi Bank Ultimate Credit Card

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.

Apply Now

3.CBD World Master Card

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.

Apply Now

4.CBD Visa Infinite Card

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.

Apply Now

5.CBD Visa Signature Islamic Card

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.

Apply Now

6.Citi Bank Prestige Credit Card

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.

Apply Now

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.

Apply Now

8.Emirates NBD Infinite Credit Card

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.

Apply Now

9. Emirates Citibank Ultima Credit card

Emirates Citi Bank 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.

Apply Now

11. Emirates Islamic Skywards Infinite Credit Card

EIB 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.

Apply Now

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.

Apply Now

13.CBD Visa Signature Card

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.

Apply Now

14.CBD Visa Infinite Islamic Card

CBD Visa Infinite Islamic Card

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

The Attijari Al Islami Visa Infinite card is tailored to meet the specialized requirements of our most discerning clients, reflecting their distinguished lifestyle. This card offers a range of benefits, including financial flexibility, higher spending power, customized services, and exclusive privileges. One of its major advantages is the access it provides to airport lounges.

Apply Now

15. RAKBANK Emirates Skywards World Elite Mastercard

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.

Apply Now

16. RAKBANK Air Arabia Platinum Credit CardRAKBANK Air Arabia Platinum Credit Card

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

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Debt Consolidation Loans UAE – April 2023 Deals | Compare4Benefit


Here’s everything you need to know about debt consolidation loans in UAE.

Debt is a common problem faced by many individuals in the UAE. With the high cost of living and numerous expenses, it’s easy to accumulate multiple debts, such as credit card bills, personal loans, and mortgages.

Juggling multiple debts can be overwhelming, leading to missed payments and high-interest rates, which can affect your credit score. This is where debt consolidation loans can help.

What are Debt Consolidation Loans?

A Debt Consolidation Loan allows you to combine all existing credit card debts and personal loans into a single loan with a lower interest rate.

Instead of making multiple payments to banks, you only need to make one payment to your debt consolidation provider.

Debt Consolidation loans are designed to simplify your finances, reduce your monthly payments, and lower your interest rates.

Features of Debt Consolidation Loans

Debt consolidation loans are ideal solution for individuals struggling with multiple debts. These features include:

  1. Lower interest rates – Debt consolidation loans usually have lower interest rates compared to credit cards and personal loans, which can help you save money in the long run.
  2. One monthly payment – With debt consolidation loans, you only need to make one monthly payment to your lender, making it easier to manage your finances.
  3. Extended repayment period – Debt consolidation loans have longer repayment periods, which can reduce your monthly payments and give you more time to pay off your debts.
  4. No collateral required – Most debt consolidation loans in UAE  do not require collateral, such as your home or car, making them a safer option for those who don’t want to risk losing their assets.

Benefits of Debt Consolidation Loans

Debt consolidation loans come with several benefits that can help you manage your debts and improve your financial situation. These benefits include:

  1. Simplify your finances – Debt consolidation loans simplify your finances by combining all of your debts into one loan, making it easier to manage your payments and avoid missed payments.
  2. Lower monthly payments – With lower interest rates and longer repayment periods, debt consolidation loans can reduce your monthly payments, freeing up more money in your budget.
  3. Improve credit score – By consolidating your debts and making timely payments, you can improve your credit score and increase your chances of getting approved for future loans.
  4. Reduce stress – Managing multiple debts can be stressful and overwhelming. Debt consolidation loans can help reduce your stress levels by simplifying your finances and reducing your monthly payments.

What is Debt Management Plan?

A debt management plan (DMP) is a debt strategy that helps individuals to settle their loans at a manageable cost.

The main advantage of getting a debt consolidation loan is debt management. You pay off all your credit cards and personal loans at once, in exchange for just one monthly payment to your bank at a lower interest rate.

You also have the option to make smaller monthly payments by stretching out the loan tenor up to 7-10 years.

Types of debt that you can consolidate under a debt consolidation plan

The following types of debts can be consolidated :

  1. Credit Card Debt
  2. Personal Loans
  3. Credit Lines

Banks offering Debt Consolidation Loans in UAE

Consolidation is one of the most powerful tools for debt elimination.

  1. Abu Dhabi Islamic Bank [ADIB] Debt Consolidation Loan

adib debt settlement loan

Features of Abu Dhabi Islamic Bank Debt Consolidated Loan

    • Flexible repayment option.
    • It is possible to postpone installments twice in a year for free.
    • Avail a grace period of 90 days for the first installment.
      • Easy processing and huge finance amount.
      • Get pre-approved ADIB Visa Cashback Card (Free for 1 year).
      • Attractive profit rates.
      • Zero processing fee.

2. Mashreq Bank Debt Consolidation Loan


Features :

  • Salary transfer is required.
  • Huge loan amount (Up to 1 million AED for expats and 5 million for UAE nationals)
  • Flexible loan repayment tenure (48 months).
  • Reduced interest rates.
  • Avail a grace period of 120 days for the first installment.


3.FAB Debt Consolidation Loan

debt consolidation Loan Fab


Features of FAB Debt Consolidated Loan

  • DBR above 50% is considered. (Exclusively for UAE Nationals)
  • Competitive interest rates.
  • Salary transfer is mandatory.
  • Most Flexible payment option – Up to 12 years.

Who Qualifies for a Debt Consolidation Loan in UAE?

  • To qualify, you must be a salaried employee with an annual income of more than 7000 AED. Depending on the bank, you may need to meet a higher minimum income requirement.
  • DBR [Debt to burden ratio ] should be less than 50%.
  • Applicant must be a resident of the UAE.
  • Should have unsecured debts to consolidate.
  • You can only have 1 DCL active at any one time.

It’s important to note that once you are enrolled in an active Debt consolidated loan, you cannot apply for a new credit card or loan in UAE for some period of time.

Documents Required for debt consolidation loan in UAE

  • Salary transfer letter as per bank format.
  • Residence visa and passport copy.
  • Latest income statements. (3-6 months).
  • Valid Emirates Id.
  • Latest credit card and unsecured loan statements.


Frequently Asked Questions :

  1. Who can apply for a debt consolidation plan?

  Only UAE citizens and expats with a valid visa and passport are eligible for a debt     consolidation plan. On top of these, the bank offering debt consolidated loan may have     further requirements while assessing your eligibility.

2. How much will you owe the bank under a debt consolidation plan?

 After calculating your outstanding bills and interest, banks will add up some more interest charges for your first debt consolidation loan.

3. What kinds of debt can’t be consolidated under DCP?

   Secured loans like car loans and housing loans cannot be consolidated under DCP.

4. What else should you be aware of?

  If your outstanding bills are very high, there’s a chance that your approved DCP loan amount is not enough to cover all your debts.

5. Do consolidation loans hurt your credit score?

Debt consolidation loan can hurt your credit score in several ways, depending on which method you use. Debt consolidation loans normally  do not appear on your credit reports but sometimes banks may ask you to close your credit accounts which may impact your credit scores.

Lowering your debt may help your credit score over time.


If you’re struggling with multiple debts in the UAE and Dubai, debt consolidation loans can be a lifesaver. By combining all of your debts into one manageable monthly payment, debt consolidation loans can simplify your finances, reduce your monthly payments, and improve your credit score.

It’s essential to choose a reputable lender that offers debt consolidation loans with reasonable interest rates, repayment periods, and fees.

With the right debt consolidation loan, you can say goodbye to your multiple debts and hello to financial freedom.