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Business Credit Cards In UAE

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When starting a business, you will find that you will be setting up a lot of different accounts. One of the accounts you will need is a business credit card. A business credit card can easily manage your business expenses. It is also much better than a personal credit card because you can get a business credit card with a limit that is based on the credit limit of the business. Business credit cards are also much more likely to offer rewards. If you are going to be starting a new business, it is always a good idea to get a business credit card.

What Is a Business Credit Card?

A business credit card is a credit facility created to help business owners make small purchases using credit instead of cash. This type of credit card is intended for business expenses and not for personal use by individuals.

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!

What Is the Best 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. Emirates NBD Lulu Credit Card

AED 5000

3.25% interest rate

3.5 lulu points

Apply Now

The Emirates NBD Lulu Credit Card is a great option for those with a monthly income of AED 5,000 or more. With one of the lowest interest rates at just 3.25% per annum, this credit card comes with a few impressive perks. These include 3.5% back as lulu Points on your daily spend, 1% back in points for utility bill payments and 0.35% back on all other purchases.

2. DIB Platinum Credit Card

AED 400

4% cashback on fuel

4% cashback on school fees

Apply Now

The DIB Cashback Credit Card is offered by Dubai Islamic Bank and provides cardholders with 4% cashback on supermarket, fuel, and auto servicing payments. In addition, cardholders can also receive up to 4% cashback on school fees. Although there is a AED 400 limit on the amount of cash that can be earned, this limit is still significantly higher than what other cashback credit cards are offering.

3. Expo2020 Credit Card by Emirates Islamic

AED 5000

welcome bonus 5500

50% discount on Expo2020

Apply Now

The Expo2020 Credit Card from Emirates Islamic offers a 50% discount on Expo2020 tickets, free valet parking, and a dynamic rewards program with a welcome bonus of 5,500 Uby Emaar Upoints for new cardholders. To qualify, you’ll need a monthly salary of at least AED 5,000.

4. Emirates Ultima Credit Card by Citibank UAE

25000 sign-up bonusEMIRATES - CITIBANK ULTIMA - CITIBANK UAE

complimentary travel insurance

2.5 Skyward Miles per USD

Apply Now

The Emirates Ultima Credit Card is an exclusive and elite credit card that gives cardholders the best Skywards earn rate of up to 2.5 Skyward Miles per USD spent. This credit card comes with impressive perks including a 25,000-point sign-up bonus for the first year and an additional 10,000 points after one year. Cardholders also get complimentary travel insurance and travel medical aid whenever they purchase tickets using the card.

5. Citi Cashback Credit Card

cashback-card AED 8000

2% cashback on groceries

1% cashback on everything else

Apply Now

This credit card offers great cashback rewards for all your spending. You’ll get 3% cashback on all non-AED spend, 2% back on groceries and supermarket purchases, and 1% back on everything else. Plus, there are no annual fees to pay in the first year and no minimum spend required to keep the card and its perks. And as a cardholder, you’ll get complimentary access to over 1,000 airport lounges around the world. To qualify for this card, you must be over the age of 21 and bring in at least AED 8,000 per month.

6. ADIB Cashback Visa Platinum Card

AED 5000ADIB Cashback Visa Platinum Card

access to airport lounges

1% cashback on all purchases

Apply Now

The ADIB Cashback Visa Platinum Card is a credit card with low interest and no annual fee for the first year. You will need to have a minimum salary of AED 5,000 per month to qualify for this card. With this card, you can withdraw your entire credit limit, unlike some other credit cards.

This credit card comes with some great perks, such as valet parking services, access to airport lounges, and complimentary roadside assistance. Plus, you’ll get 1% cashback on all purchases made with this credit card.

7. HSBC Zero Credit Card

Buy 1 Get 1 free

30% off at select restaurants

12% off at nearly a million hotels worldwide

Apply Now

The HSBC Zero Credit Card is a great choice for business owners who want to take advantage of HSBC’s reward program and Entertainer app. With this card, you’ll enjoy over 10,000 “Buy 1 Get 1 Free” deals at restaurants, retail stores, spas, and more. Plus, you’ll get up to 30% off at select restaurants and up to 12% off at nearly a million hotels worldwide.

8. Mashreq Platinum Elite Credit Card

AED 7000Mashreq Platinum Elite Credit Card

50% off movie tickets

Free access to Fitness First gyms

Apply Now

The Mashreq Platinum Elite Credit Card is a wonderful choice for those who often find themselves traveling. With over 1,000 airport lounges available to cardholders worldwide, this card allows its users to enjoy unlimited access – meaning you can say goodbye to pesky lounge fees. On top of that, cardholders also receive 50% off movie tickets as well as free access to Fitness First gyms.

In order to qualify for the Mashreq Platinum Elite Credit Card, applicants must have a monthly income of at least AED 7,000. Although this is the minimum requirement to obtain the card, there is no minimum spend required to keep the account open. So you can take advantage of all the great perks without fear of not meeting the qualifications.

9. Standard Chartered Manhattan Platinum Card

AED 5000

20% off golf clubs

12% off travel bookings through Agoda

Apply Now

The Standard Chartered Manhattan Platinum Card is a top-tier credit card that offers a wide range of discounts and incentives, including a low interest rate of 3.45%. Qualifications for this credit card include a monthly income of at least AED 5,000.

Some of the great discounts and incentives that come with this credit card include up to 20% off golf clubs, 30% off bookings made at Timeout Dubai, and 12% off travel bookings through Agoda. If you’re looking for a world-class rewards program, Standard Chartered is a great option to consider.

10. Emirates Islamic Cashback Plus Credit Card

10% cashback on all supermarketCashback Plus

10% cashback on education

access to over 1000 airport lounges

Apply Now

This credit card comes with an unbeatable 10% cashback on all supermarket, education, dining, and telecom purchases – and there’s no limit to how much you can earn back each month! Plus, as a cardholder, you’ll also have access to over 1,000 airport lounges around the world. So whether you’re travelling for business or pleasure, you can relax in style before your flight.

Upgrade Your Debit Card To Credit Card In UAE- Compare4Benefit

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When it comes to shopping online, sometimes it’s hard to tell the difference between a credit card and a debit card. And, if you’re a woefully uninformed shopper, you might even be confused about the differences between the two.

So, how do you tell the difference between a credit card and a debit card? How do you know if you should use a credit card or a debit card when you’re shopping online?

To understand the difference between credit cards and debit cards, we need to first understand how they work. A credit card allows the cardholder to spend up to a certain limit, which is decided by the card issuer. A cardholder can also opt to pay only a certain amount each month, with the rest of the bill paid on installment.

A credit card requires the cardholder to pay for the purchases made with the card by borrowing money from the issuing bank and repaying the amount in full on the due date, along with interest. In contrast, a debit card is a card that is linked to a bank account. The cardholder can spend up to a certain limit that they have set on the account and if they try to spend more, they will be prompted to pay more money.

Is it better to use credit or debit cards?

You don’t have to be rich or even have a good credit to get a credit card. You do need to have a good credit score, but you can get a credit card even if you have a poor credit score. If you have a poor credit score, it may be time to apply for a credit card.

There are credit cards available for people with poor credit, but not every credit card company is the same. It is important to find the right card for your situation. If you have a poor credit score, there are many credit card companies that offer bad credit credit cards.

But, if you have a poor credit score, do not apply for a credit card. There are companies that will allow you to build your credit and pay back the money you charge on a credit card without charging you an interest. These companies have no interest credit cards, which is just what you need if you have a poor credit score.

5 Signs It’s Time To Upgrade Your Debit Card To A Credit Card

Many people are scared to get a credit card in UAE because they think it’s risky or they don’t want to get into debt. If you’re one of them, it’s time to change your mindset because credit cards can be really useful.

Not only do they give you more spending power, but they can also help you build a better credit score which can be useful for renting a house or buying a car. So, if you’re thinking about getting a credit card, here are five signs that it’s time to upgrade your debit card to a credit card.

1.When you are responsible with your money  

Even as a credit card holder, you are aware of the importance of saving money. And, when it comes to saving money, it can be time-consuming to make separate trips to ATM to withdraw cash.

It’s not surprising that you’re looking for ways to get a credit card in UAE. But, in order to be eligible for a credit card, you need to have an income and a good credit history. You also need to have a bank account with the credit card provider. So, it’s not easy to change from a debit card to a credit card.

2.When you don’t like the idea of overspending

If you’re the type of person who doesn’t spend impulsively just because you have access to credit, you’re likely to be a responsible credit card holder. It’s important to remember that when you use a credit card to make a purchase, the credit card issuer is actually the one fronting the money for the purchase. You will have to pay back the money you’ve spent plus interest and fees eventually. So it’s not “free” money in any sense.

3.When you want to build up your credit score 

There are a few key things you can do to build good credit. The first is to demonstrate to lenders that you’re able to responsibly repay the money you borrow by making sure you consistently pay off your credit card bills in full and on time over an extended period.

Another thing you can do is make sure your credit report is clean and impressive. Banks and financial institutions reference your credit report when deciding whether or not to extend credit to you, and how clean and impressive your credit report is will also affect the amount of credit they are willing to extend to you.

4.When you want to earn tangible credit card rewards 

When it comes to choosing a credit card that’s right for you, there are a few things you need to take into consideration such as your lifestyle and spending habits.

Do you like to travel? Then an air miles credit card might be a good choice for you.

Are you a big spender? Then a cashback credit card could help you save money on your purchases. There are also rewards credit cards that offer discounts and points that can be redeemed for prizes or other perks.

5.When you want to enjoy credit cards’ fringe benefits 

Did you know that credit cards offer more than just the ability to make purchases?

Many credit cards also come with fringe benefits like fraud protection, e-commerce purchase protection, complimentary travel insurance, concierge services, and complimentary airport lounge access worldwide.

However, it’s important to keep in mind that not all credit cards are created equal. The actual fringe benefits that you can enjoy will depend on the specific credit cards you hold.

Best Credit Cards For Utility Bills in UAE – November 2022

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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!

Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

6%* cashback on your everyday spend

6%* cashback from Netflix

No minimum spend.

Apply Now
  • 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

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.

Citi Cash Back Credit Card

cashback-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

FAB Infinite 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

RAKBANK RED Mastercard Credit Card

RAKBANK RED Credit Card

Free for Life

Dining Discounts

Special Discounts

Apply Now
  • No Annual Fee
  • Finance Charges
  • Supplementary Card
  • Interest-Free Credit
  • Cash Advance
  • Minimum Payment

The Emirates Skywards DIB Platinum Credit Card

Emirates Islamic Skywards Signature Credit Card

0.15 Mile per AED supermarkets, utilities

Balance transfer facility

Bonus Skywards Miles

Apply Now
  • 5,000 bonus Miles on card activation
  • 0.15 Mile per AED spend on groceries & utilities
  • 0% Easy Payment Plan when you purchase Emirates tickets to any destination on emirates.com
  • Balance transfer facility
  • Medical and Legal Referral

Do remember to do your due diligence as different cards would come with different terms and conditions.

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

How To Cope When You’re Stressed About Credit Card Debt in UAE-Compare4Benefit

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As unprofessional as it may seem, there are a few things you can do to help cope with your mounting debt.

A lot of people in the UAE are facing debt right now, and if you’re one of them, you don’t need anyone to tell you that you’re stressed out. But, you’re also probably looking for ways to deal with your credit card debt.

You’re not alone, and you don’t need to be ashamed of your financial situation. However, the best way to deal with it is to recognize the problem and to deal with it. The first step is identifying what’s caused it. Is it credit card debt, or are you stressed about other reasons? If it’s credit card debt, that’s a problem that isn’t going to go away on its own. You need to take action. The easiest step you can take is to talk to your creditors.

How to handle Financial Milestones

Here are some different perspectives on how to handle financial milestones in your life.

If you’re finding it hard to make your minimum monthly payments on credit card balances, there are ways to help lower the amount you owe and/or the amount of interest you’re accruing on the debt. While there is no easy solution for high debt, it is possible to make changes in your spending habits in order to get your finances back on track.

The only long-term solution is to correct your spending habits. Financial counselors and senior education officers advices.

If you want to succeed financially, you need to stick to a budget. You can’t keep spending more than you make – that’s a recipe for disaster. If you have credit card debt, you need to get your expenses below your income level so that you can start paying off the balance. Interest charges will make it hard to get ahead if you don’t.

Aspects to Controll The Spending

There are two key aspects to controlling your spending: not using your credit cards and writing a sustainable budget that includes paying off card balances. If you can do those things, you’ll be on your way to financial success.

Financial counselors suggest that people cut up all but one of their credit cards as a first step to controlling their spending. It’s important not to cancel any accounts because your credit score will suffer.  Use the card only for purchases that you are able to repay at the end of the month.

On the financial front, you will need to make some sacrifices in order to start reducing your debt balances. This may mean downsizing your house or apartment, selling your car, or cooking more meals at home.

It is essential that you create a budget that details all of your expenses and income so that you can determine where you need to cut spending in order to pay off your debt.

The Repayment Models

When it comes to repaying debts, there are two common repayment models.

The first – called the snowball method – prioritizes paying off smaller debt balances first to give consumers some momentum. The idea is to pay the minimum amounts on all debt balances to avoid late fees or higher interest charges, then apply the remainder of your payment to your smaller debt balance.

Once that balance is paid off, you can move on to the next smaller balance.

This strategy can help you become debt-free more quickly than if you only made the minimum payments on all of your debts.

The next one is the Avalanche method – from the highest rate to the lowest – will save you the most on interest charges.If you don’t need the positive reinforcement, you can focus on the debt with the highest interest rate first.

There are other steps you can take to reduce the amount you owe or lower the interest you’re charged. Here are four actions to consider:

  • Explain to your credit card company that you are struggling to make payments on your current balance. Ask if there is any way they can lower the amount you owe or the interest rate on the debt. Credit card companies want to get paid and they may be willing to work with you to make sure that happens.
  • Credit card balance transfers to other cards that offer no interest for a period may make sense, but they are not free. They may offer 0% interest for six or 12 months, but they usually charge 3% to 4% of the balance up front.
  • Consolidating your high-interest credit card debt and paying it off with a lower-rate personal loan can significantly lower your interest costs.

7 Ways by You Can Pay Off your Credit Card Debts

Make a note of all the debts to be paid:

Instead of looking at your credit card bill at once, which is a lot, break it down into smaller parts. This helps you to categorize it. If you hold more than one credit card, it is advisable to pay off the bill which is on priority.

Prioritizing

It is advised that you pay the credit card bill which has a higher rate of interest rather than the one which has a higher amount. This will save you from paying a large sum of money due to accumulated interest in the coming months.

If you think, only paying the minimum amount dues helps you to keep it aside for the time being, think again as this might affect your credit report and score. Banks will keep a track of your activity and if they see that you are being a reckless spender, they might suspend your credit card.

Paying the card bill with the least balance

Once you pay off the credit card bill with the higher interest rate, you can switch to the card with the least balance pending.

This completely depends on what bills have accumulated and on which card. It might not always be this way. Sometimes, the bill which is the lowest might be with the card which has the highest balance. In that way, you are clearing off two important bills.

Once you are done with clearing the credit card with the highest interest, you can shift to the bill which has the least pending balance. Paying this provides you with a much-needed mental boost of clearing the rest of the bills.

Getting a credit card with low APR

You can hold two credit cards, the balance of the credit card with a higher rate of interest can be transferred to the one with a lower interest rate. In this way, you save a large portion of money on interest.

Converting outstanding bill to EMIs

If nothing else, you can always visit your bank branch and request to convert your outstanding credit card bill into EMIs.

Most banks charge a nominal interest rate for these EMIs with a specified tenure option. These EMIs can be deposited directly at the bank branch, with a cheque or can be deducted directly from your account with the automatic payment facility of the bank.

Paying off your bills on a regular basis

This is advice for the future. It is always better to make sure you make a budget for your credit card and make purchases based on that budget. In that way, you can pay off your bill in full without carrying it forward to the next month or getting stuck in a debt cycle.

 

 

 

 

Cashback vs Air Miles vs Rewards Credit Cards in UAE

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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

Read More: 15 Travel Credit Cards In UAE 2022-Compare4Benefit

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.

Read More:Balance Transfer Credit Cards in UAE 2022

Truth About Writing a Research Paper

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Writing research papers isn’t a simple task. There are so many things to explore and record that sometimes, the tasks are piling up each after the other. To make essay help websites

Citibank Credit Cards in UAE-Compare4Benefit

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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:

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  • 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

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

Apply Now

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

Apply Now

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

Apply Now

banner-logo
  • 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

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  • 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

FAQs

1: What are supplementary cards?

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

2: What is a late fee?

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

3: What is an over-limit fee?

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

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

4: What is a cash advance?

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

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

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

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

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

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

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

8: What services can I access through online banking?

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

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

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

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

10: Where do I make my credit card payments?

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

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

Balance Transfer Credit Cards in UAE 2022-Compare4benefit

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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.

Top 11 Balance Transfer Credit Cards for 2022 in UAE

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. HSBC Advance Credit Card

The HSBC Balance Transfer 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. There are no fees charged for this service. You can also earn air miles rewards, as well as enjoy discounts on hotels, free access to airport lounges, and many other travel and lifestyle benefits.

HSBC advance platinum Credit Card

  • Minimum Salary AED 10,000
  • Annual Fee Free For Life
  • Free for Life
  • Airport Lounge Access
  • Movie Discounts
  • Valet Parking
  • Reward Value: AED 11,077

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. RAKBANK Red Credit Card

The RAKBANK credit card is a great way to save money on your shopping. With contactless technology, you can save time and have more protection with features such as coverage for travel accidents, credit shields, purchase protection, and more.

RAKBANK RED Credit Card

  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Free for Life
  • Dining Discounts
  • Special Discounts
  • Reward Value: AED 4,821

Apply Now

7. 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 Platinum Credit Card | First Abu Dhabi Bank (FAB) Credit Cards

  • 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

8. 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

9. Emirates NBD LuLu 247 Mastercard Titanium Credit Card

Card members can earn rewards, in the form of Lulu Points, on their daily spending. They can redeem these points at Lulu stores or enjoy exclusive benefits and features, such as travel, dining, wellness, movies, sports, entertainment, and more.

Emirates NBD LuLu 247 Mastercard Titanium Credit Card

  • Minimum Salary AED 5,000
  • Free Balance Transfer
  • Priority Checkout
  • Early Access to Major Sales and Promotions
  • Free Shipping
  • Monthly Discounts and Exclusive Offers
  • Amazon Prime Membership

Apply Now

10. FAB Elite Infinite Credit Card

The FAB Elite Infinite 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. The card makes your transactions secure as well as rewarding.

FAB Elite Infinite Credit Card

  • Minimum SalaryAED 50,000
  • Free for Life
  • Get a guaranteed AED 2000 travel voucher on card activation to use for travel bookings on the FAB Travel Portal.
  • 0% International Transaction Fee from the bank.

Apply Now

11. United Arab Bank Visa Platinum

UAB’s Titanium credit card was designed with you in mind. It has great benefits and privileges to give you the best experiences. The UAB Titanium Mastercard is perfect for the emerging affluent segment. It comes with unmatched travel privileges and superior lifestyle benefits.

United Arab Bank Business Credit Card | United Arab Bank (UAB) Credit Cards

  • The minimum salary is AED 6000
  • The annual fee is AED 0
  • Rate 19%
  • Cash advance 3% /Min 100
  • Non-AED transaction fee 3%

Apply Now

 

Features & Benefits of Balance Transfer Credit Card in UAE

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

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

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

Eligibility Criteria for Balance Transfer Credit Card Card in UAE

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

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

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

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

FAQs

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

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

  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.

15 Travel Credit Cards In UAE 2022-Compare4Benefit

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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 Infinite Travel Credit Card
  4. FAB Signature Travel Credit Card
  5. FAB Elite Infinite Travel Credit Card
  6. ADCB Traveller Credit Card
  7. HSBC Platinum Select Credit Card
  8. ADIB Etihad Gold Card
  9. Standard Chartered Visa Infinite Credit Card
  10. CBD World MasterCard
  11. Emirates Citibank Ultima Credit card
  12. Citi PremierMiles World Credit Card
  13. CBD Titanium MasterCard
  14.  Deem Mastercard Platinum Miles Up Credit Card
  15. Mashreq Platinum Elite 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. FAB Signature Credit Card

FAB Signature Credit Card

The FAB Signature credit card is a great option for people who want to earn unlimited benefits. With this travel credit card, you earn FAB Miles per AED 1 spent on flight tickets and hotel bookings worldwide. You need to have a minimum monthly salary of AED 5,000 to be eligible for this card.

Following are the travel benefits :

  • The card offers guaranteed travel vouchers of AED 1,000 when you use them for travel bookings through the FAB travel portal.
  • While traveling abroad, you don’t need to pay any foreign transaction fees.
  • For hotel bookings through the FAB Travel portal, you get complimentary night stays.
  • The card also offers free access to over 1000 airport lounges worldwide.
  • When traveling from UAE by British Airways, you get up to a 10% discount through the FAB Signature credit card.
  • You also get up to 5 complimentary airport transfers every year, no matter which airport you use in the UAE.
  • FAB Signature credit card also secures your travel against travel accidents and inconveniences.

2. FAB Infinite Travel Credit Card

FAB Infinite Credit Card

The FAB Infinite credit card offers a number of great benefits for those who love to travel. For starters, you’ll receive guaranteed travel vouchers worth AED 1,500. You’ll also earn FAB Miles as you spend, which can be redeemed for discounts on travel and accommodation bookings. Plus, with a minimum monthly salary of AED 30,000, this card is perfect for those who want to make the most of their salary.

FAB Infinite credit card offers the following travel benefits.

  • For international transactions, you don’t need to pay any foreign transaction fee except for currency conversions.
  • Using the best travel credit card, you get up to 6 complimentary airport transfers every year for a fare of up to AED 100.
  • The card also offers up to 6 complimentary Meet and Greet services per year from AED 40 for individual bookings and AED 100 for family bookings.
  • With the FAB Infinite credit card, you get complimentary access to over 1000 airport lounges across the globe.
  • To secure your trips and travels, the card also offers complimentary travel insurance of up to AED 1 million in case of travel accidents and inconveniences.
  • Using FAB Infinite credit card for travel bookings, you also get travel and medical assistance.

3. FAB Elite Infinite Credit Card

FAB Elite Infinite Credit Card

The FAB Elite Infinite credit card gives you great travel benefits like discounts on flights, hotels, car rentals, and airport transfers. You’ll also get a range of lifestyle, entertainment, and other privileges worldwide. Plus, you get loyalty benefits in the form of FAB Miles. You can convert and redeem them at various merchants and outlets.

Here is a list of travel benefits offered by FAB Elite Infinite credit card

  • While activating the card and using it for travel booking at the FAB Travel portal, you get a welcome travel voucher worth AED 2,000.
  • While traveling abroad, you don’t need to pay any charges for foreign transactions.
  • For every three paid nights at hotels, you get one complimentary night.
  • Along with discounted flight tickets, you also get free access to over 1000 airport lounges across the globe.
  • With the FAB Elite Infinite credit card, you also get international Uber airport transfers up to 8 times a year. Additionally, you get up to 12 free airport transfers within UAE.
  • The card also offers up to 30% discounts on Meet and Greet services at over 450 locations worldwide.
  • As a FAB travel credit cardholder, you get international travel concierge services round the clock.
  • For car rentals, this travel credit card offers up to 35% discounts on each booking at Avis Car Rentals.

4. HSBC Platinum Select Credit Card

HSBC Platinum Select Credit Card

The HSBC select platinum credit card offers a variety of benefits for those who love to travel. In addition to air miles, clients can also enjoy cinema benefits, dining discounts, and hotel perks with zero FIP (Flexi installment plan). By using this card, you can easily rack up rewards that can be redeemed for future travel.

 The benefits of the air miles include the following

  • To pay for your tickets, including the taxes
  • You can choose which, when, and how to fly with. It means you can choose the airline, date and time, and the preferred class (first, business or economy)
  • Dates aren’t blacked out which means that if there is a seat available on the flight, you can book it through the air miles travel shop.
  • To be eligible for this best travel credit card, the minimum salary required is AED 5000. The applicant must be a salary transfer customer between the ages of 21-65.

5. CBD Titanium MasterCard

CBD Titanium MasterCard

Out of all of the free credit cards available in UAE, the CBD Titanium MasterCard is one of the best. The requirements for applicants are that they must be 21-65 (UAE nationals) and 21-60 (ex-pats). The minimum salary required is AED 10,000 for the salaried individual. However, this card comes with a few great perks, such as access to airport lounges, CBD rewards, and free-for-life.

The benefits of CBD Titanium MasterCard are:

  • Access to 10+ VIP lounges in UAE, KSA, Jordan, Egypt, and Kuwait
  • With the MasterCard Buy-one-get-one app, customers get complimentary offers in the Middle East and Africa on attractions, dining, etc.
  • It also provides hospitality, dining, wellness, travel, and lifestyle benefits

6. 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

Related: Best No Annual Fee Credit Cards in UAE 2022 (Updated) | C4B

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

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.

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

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.

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.

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.

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

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

Benefits:

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

Related: Best Air Miles Credit Cards in UAE 2022 | Compare4Benefit

 What Is a Travel Credit Card?

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

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

Features and Benefits of Travel Benefits Credit Cards

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

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

Eligibility Criteria to Apply For Travel Credit Card

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

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

How to Apply for Travel Credit Cards in the UAE?

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

Apply for a Travel Credit Card Online

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

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

Apply for a Travel Credit Card Offline

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

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

How to Find the Best Travel Benefits Credit Card?

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

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

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

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

FAQs

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

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

  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.

Related:

13 Airport Lounge Access Credit Card in UAE

Best Air Miles Credit Cards in Uae 2022

Best Reward Cards In UAE 2022

Cash Back Credit Cards In UAE 2022

 

Best No Annual Fee Credit Cards in UAE 2022 (Updated) | C4B

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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 ANNUAL FEE NO

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.

Related: Best Cashback Credit cards in UAE 2022