If you’re looking for a credit card that will give you the most cash back, we recommend an unlimited cashback card. With so many different types of credit cards out there, it can be hard to decide which one is right for you. But when it comes to cash back, an unlimited card is the way to go.

Here’s why:

– You’ll earn cash back on every purchase, no matter what.

– There’s no limit to how much cash back you can earn.

– You can use your cash back to offset future purchases or withdraw it as cash.

So if you’re looking for a credit card that will give you the most bang for your buck, an unlimited cashback card is the way to go.

Applying for and receiving your first credit card is often seen as an exciting rite of passage into adulthood. And it is a milestone of sorts, but it’s also a sign that you have more money to spend and more financial freedom in general. (Of course, this doesn’t necessarily mean that you’re now more responsible with your spending.

Your first credit card is a great asset to have in your wallet as it opens up new opportunities to spend and access discounts and offers from different banks. With so many cards on the market, it can be tricky to choose the right one for you. Follow our tips below and you’ll be sure to find a credit card that best suits your needs and preferences.

If you’re wondering why an unlimited cashback credit card is a great choice for young adults, here are a few reasons to consider. So if you’re looking for a credit card that will help you make the most of your spending, an unlimited cashback card is definitely worth considering.

Reasons why an unlimited cashback credit card is highly recommended for young adults in UAE 2023

1.No minimum spend and no cashback cap

As a young adult, the last thing you want to worry about is expenditure management. You should be able to spend without complications, and have a system that’s convenient, simple, and fuss-free.

For most credit cards, you need to reach a minimum monthly spend in order to qualify for cashback. But with unlimited cashback cards, there is no minimum spend and no cashback cap, so cardholders can earn cashback on every purchase without worrying about meeting a certain goal each month.

By not having a limit on how much cashback you can earn, you won’t have to worry about hitting a limit and then having to switch to another credit card.

 2.Greater cashback eligibility across categories

It’s important to know that when deciding between a rewards card with cash back or one that gives points, the cash back card will almost always be the better option. This is because cash back cards typically have greater eligibility across spend categories. Credit cards usually have different benefits depending on what the card is marketed for. Some cards are marketed as grocery cards or everyday-use cards, while others are more dining and online shopping centric.

Credit cards have different category eligibility and exclusions based on the cardholder’s spending habits. For example, some cards may have better rewards for gas or groceries, while others may be more focused on travel or entertainment.

3.Even e-wallet top-ups, insurance premiums, and bills

With other cards, quasi-cash and quasi-financial services may not be considered as eligible spending for cashback, miles, or points. However, with Unlimited Cashback cards, there are minimal spend exclusions for transactions like e-wallet top-ups, insurance premiums, utility bills, school fees, and more. This means that you can still get cashback for these types of expenses!

4.Double-dip rebates through card-pairing combos

One of our favourite things to do with unlimited cashback cards is to stack earned rewards through card-pairing combos.

If you live in a country with a high inflation rate, like many in South America, you know that holding an unlimited cashback card can make your life a lot easier. Indeed, a 0% purchase card can be a great tool in your financial arsenal. One of the best ways to use a 0% purchase card to your advantage is to pair it with a cashback credit card. After all, you’ll be able to earn 2% cashback on your purchases or more. If you have an unlimited 1.5% cashback card, for example, you’ll be able to double-dip your rebates.

5.Same access to bank promos (as other credit cards)

All credit cards come with a set of exclusive offers and promos from the issuing bank. Unless you think you can hit the card’s minimum spend without issue, it’s not worth it to force yourself to spend more just to reach that minimum. You’re better off using a card that doesn’t have a minimum spend requirement if your expenses are already tight.

You’ll be able to spend comfortably with an unlimited cashback card and still capitalise on bank-specific discounts and rewards.

Best unlimited cashback credit cards to apply for in 2023

1. ADIB Visa Cashback Platinum Credit Card

ADIB Visa Cashback Platinum credit card offers numerous privileges, loyalty benefits, including unlimited roadside assistance in UAE. With the Cash back Platinum credit card, you receive cash back on various daily expenses within and outside UAE. The following are the cashback earned on ADIB Visa Cashback Platinum Credit Card.

Features of ADIB Visa Cashback Platinum Credit Card

• Earn 1% cashback flat on each local and international spending,
• Enjoy a low-profit rate of as low as 2.99% on your outstanding bills.
• Get a cash advance limit of up to 100% of your credit limit
• This credit card offers up to 55 days of grace period to pay your outstanding bills in full without paying any profit rate.
• Enjoy extensive roadside assistance anywhere anytime in UAE
• Get unlimited airport lounge access across the globe with Veloce Lounge

2. Emirates Islamic Cashback Plus Credit Card

Emirates Islamic Cashback Plus Credit Card is one of the most preferred sharia-compliant credit cards in UAE. The cashback options on every expense is listed below.

Features of Emirates Islamic Cashback Plus Credit Card

• Earn 10% cashback on grocery and supermarket expenses in UAE and abroad.
• Get 10% cashback on school and university fee payments in UAE and overseas.
• Receive up to 10% cash back on dining and telecom expenses (du and Etisalat), including telecom services worldwide
• You can redeem your cashback through your mobile banking app
• Enjoy up to 50% discounts on Reel Cinema
• The maximum amount of cashback you can earn is AED 200

3. FAB Cashback Credit Card

FAB Cashback credit card is one of the most rewarding cash back credit card in UAE. With these, you can earn up to 5% cash back on various daily life expenses such as fuel, grocery, dining and more. Following are the benefits of FAB Cashback Credit Cards in UAE.

Features of FAB Cashback Credit Card

• You earn a bonus cashback of AED 300 on the first transaction done within 30 days of issuing the card.
• Earn 5% cashback on Supermarket spending
• Get 5% cashback on utility bill payment
• Receive 5% cashback on fuel expense
• Earn 1% cashback on each retail spending and online transaction
• Get up to 10% cashback on online shopping using FAB ShopSmart
• Redeem your cashback conveniently using the FAB Mobile banking app or pay directly to the merchant.

4. Citi Bank Citi Cashback Credit Card

Citi Cashback credit cards are affordable with low salary requirements. The bank revokes annual charges on meeting the minimum spending limit. Along with various lifestyle and shopping benefits, you earn cash back on each credit card expense as mentioned below.

Features of Citi Bank Citi Cashback Credit Card

• Earn up to 3% cashback on non-AED spending,
• Get 2% Cashback on grocery and supermarket purchases,
• On all other expenses, you earn 1% cashback flat,
• No annual fee for 1st year, the credit card is free from 2nd year onwards on meeting the minimum spend requirements.
• Enjoy unlimited access to over a thousand global airport lounges
• Enjoy up to 50% discounts at various diners and shopping outlets using Voucher Skout

5. RAKBANK Titanium Credit Card

RAKBANK Titanium credit card offer a host of benefits, including exclusive shopping and dining offers. With a Titanium credit card, you earn cashback on every credit card expense that you can redeem at various outlets in UAE. Following is a list of cash back earned on various credit card expenses.

 Features of RAKBANK Titanuim Credit Card

• Earn 5% cashback on all supermarket purchases
• Get 5% cash back on various dining spending around the world
• On every local or international retail purchase, you earn up to 2% cashback.
• Receive 50% cashback on cinema expenses across UAE
• Once you have received cashback of up to AED 100, you can start redeeming the cash back point
• A maximum monthly cashback you can earn is AED 1,500
• Earn 0.25% cashback on each AED spent on Gas, petrol, transit and telecom.

6. Mashreq Cashback Credit Card

With Mashreq Cashback credit cards, you can enjoy unlimited cashback on each credit card since there is no maximum limit for accruing cashback offers. Additionally, these cards do not include an annual fee. The best part is that you can avail these even at low salaries, making these one of the most affordable credit cards in UAE. Here is a glimpse into the amount of cashback you can earn on Mashreq Cashback credit card.

Features of Mashreq Cashback Credit Card

• Earn up to 5% cashback on dining expenses in UAE
• Receive up to 2% cashback on international spendings
• On all local spendings, you earn a flat 1% cashback
• Get 20% cashback for the first 6 months at Zomato and Netflix
• Avail of exclusive access to 2-for-1 deal on the Visa Entertainers app.
• Enjoy cashback and discounts on airport dinings via DragonFly and Dine program

7. Dubai First Cashback Credit Card

With a Dubai First cashback credit card, you get instant cash back on your daily credit card expenses. You can conveniently redeem the cashback online and avail yourself of exclusive discounts to make your shopping experience more pleasurable. Additionally, the credit card offers easy financial management with easy payment plans, loans on the phone and balance transfer features

Features of Dubai First Cashback Credit Card

• Earn 5% cashback on supermarket purchases
• Get 5% cashback on online shopping
• Receive 1% cashback on all other expenses anywhere anytime.
• As a welcome offer, you get AED 250 bonus cashback and 1-year complimentary Amazon Prime subscription
• Enjoy additional cashback at over 1,500 e-commerce sites and online shopping through ShopSmart
• Access to various shopping offers and handpicked experiences around the world
• Enjoy Buy1Get1 Offers on leisure, entertainment, and movie tickets across UAE.

8. ADIB Visa Cashback Credit Card

ADIB bank offers a host of benefits through Visa Cash back credit card. Along with various shopping benefits, you get rewarded with cashback on each and every credit card purchase within and outside UAE. Additionally, you can also withdraw cash from ATMs up to 100% of your credit limit. Following are the cashback offered on ADIB Visa Cashback Credit Card.

Features of ADIB Visa Cashback Credit Card

• Earn 1% Flat cashback on each credit card expense in UAE and abroad,
• Get unlimited roadside assistance within the city limits in UAE,
• Enjoy a longer grace period of up to 55 days to repay your bills in full without any profit rate
• Get free access to premium airport lounges across the globe through Veloce Lounge

9. Simply Life Cashback Credit Card

With a Simply Life Cashback credit card, you can enjoy various privileges on the day to day credit card expenses. Based on your expenses, you can get discounted movie tickets and various shopping offers across UAE. Additionally, the card does not include an annual membership fee, making it affordable and convenient to manage. Following are the benefits of the Simply Life Cashback credit card.

Features of Simply Life Cashback Credit Card

• Receive 1% cashback on each and every credit card purchase within and outside UAE
• Enjoy 2 free movie tickets on spending AED 1,500 or above every month,
• Earn attractive cashback on movie tickets purchases,
• Enjoy complimentary access to Maharba Lounges at Dubai and Al Maktoum International Airport,
• Manage bigger purchases conveniently, with easy payment plans at low-interest rates for flexible tenures.

10. HSBC Cashback Credit Card

HSBC is one of the oldest banks in the MENA region offering world-class banking services. With an HSBC Cashback credit card, you get access to an attractive cashback program. For each card expense, you can earn up to 10% cashback anywhere around the world. The HSBC Cashback credit card is free for the first year and it remains free thereafter if you meet the minimum expense criteria. The key benefits of HSBC Cashback credit card are as follows.

Features of HSBC Cashback Credit Card

• Enjoy 10% cashback on fuel expenses in UAE,
• Get 3% cashback on supermarket and grocery expenses
• Recieve 1% cashback on all other credit card expenses anywhere around the world,
• Cashback gets automatically credited to your credit card account at the end of every month
• Enjoy exclusive access to the Buy1Get1 offer on movie tickets and various shopping offers across outlets in UAE,
• Enjoy shopping discounts and benefits through the Visa Entertainers app
• Get up to 12 complimentary airport lounge access around the world every year.

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.

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.

You might not be aware of some of the hidden credit card fees in UAE lurking in some corners.

The best way to avoid these hidden charges is to be aware of them before you use your credit card in UAE.

Here are 5 of the hidden credit card fees in the UAE:

1. Cash advance fee

When you’re in the midst of an emergency and need to borrow some money, credit cards can seem like a blessing but there are some drawbacks that you should take into account.

The amount you can borrow depends on your credit limit, but it is usually between 50% and 80% of your credit limit.

In the UAE, the cash advance fee that banks and credit card companies levy is 3 percent of the amount withdrawn, with VAT included.

In addition to this charge, some banks also charge a higher monthly interest rate on cash advances, which can be 0.25 to 0.75 percent higher than the rate on regular retail transactions.

2. Over-limit fee

If you’ve exceeded your credit card limit, you may see a hefty new charge on your next statement. This fee called an “over-limit fee,” is a penalty for going over your credit limit. It can range from AED 200 to AED 300, depending on your card provider.

Not only will exceeding your card limit cost you in fees, it will also hurt your credit score. The best way to avoid these consequences is to keep a close eye on your credit card usage.

3. Credit shield

A credit shield is an insurance cover that can help repay a cardholder’s outstanding balance in case of death, disability, critical illness, or involuntary loss of employment. However, it doesn’t insure against credit card fraud.

The credit shield fee (or monthly premium) varies from 0.5 percent to 0.99 percent of the outstanding balance across most banks in the UAE.

Despite its benefits, the credit shield isn’t free – like most other perks, it comes with a fee.

4. Balance transfer fee

If you’re looking to reduce your credit card debt, you may be considering a balance transfer. This is when you transfer your current outstanding balance to another credit card with a lower or even zero percent interest rate for a limited period of time.

Balance transfers can be a great way to pay off your debt faster and more effectively. However, there are some fees to be aware of before making the switch.

Banks usually charge a processing fee for balance transfers, which can be 1 to 3 percent of the amount transferred. There may also be additional cancellation and early settlement fees.

5. Dynamic currency conversion

Many credit card holders are unaware that their card providers charge them a foreign transaction fee every time they use their card overseas. While this fee isn’t immediately obvious, it’s important for cardholders to be aware of this cost.

While using your credit card abroad, you may be asked by the merchant if you would like to pay in the local currency or your home currency. You might choose the latter because it’s familiar and you can see the actual cost displayed in Dirham. However, this would be a mistake! You would be charged an unfavorable currency exchange rate determined by a foreign third-party operator, which would unnecessarily drive up the cost of your purchase. And you would still be paying the foreign transaction fee determined by your card provider.

FAQs

1. How do I avoid credit card fees?

The easiest way to avoid finance charges is to pay your balance in full and on time every month. Credit cards are required to give you what’s called a grace period, which is the span of time between the end of your billing cycle and when the payment is due on your balance.

2. How do I avoid credit card fees?

The easiest way to avoid finance charges is to pay your balance in full and on time every month. Credit cards are required to give you what’s called a grace period, which is the span of time between the end of your billing cycle and when the payment is due on your balance.

3. What are the hidden costs Who pays them?

Industrial development has many “hidden costs” in the form of damage to the environment and health problems for people. These hidden costs are usually “paid for” by the people who must live with the harm from toxins, not by the industries that cause this harm.

4. Is it legal to charge credit card fees?

Credit card surcharges are optional fees added by a merchant when customers use a credit card to pay at checkout. Surcharges are legal unless restricted by state law. Businesses that choose to add surcharges are required to follow protocols to ensure full transparency.

5. How do you explain a convenience fee?

A convenience fee is levied by a merchant for offering customers the privilege of paying with an alternative non-standard payment method. Merchants can process convenience fees in all 50 states. A surcharge is levied by a merchant for customer purchases made with a credit card.

6. How to avoid interest charges?

Paying your bill in full every month is the simplest way to avoid interest. If you can’t afford to pay your bill in full, reduce your spending or consider a 0% APR card that doesn’t charge interest for up to 21 months.

Need to travel? Want a card to cover your expenses? You can find some good Airport Lounge Access credit cards in UAE that have great benefits and rewards. This page will tell you about the credit cards that have airport lounge access and how they work.

For any traveler, having access to an airport lounge can make a huge difference – especially if you have to make multiple flight connections on a long trip. With access to food and drink, a quiet place to rest, entertainment, and even a shower, you can arrive at your destination feeling refreshed instead of exhausted.

Airplane travel can be rough, no matter how much you fly. If you’re looking to make your next flight a little more comfortable, consider getting an airport lounge credit card in UAE that offers access to airport lounges.

UAE credit cards that offer lounge privileges usually include them in the annual fee, but there are some distinctions in the terms of access. Some cards allow unlimited access to specific airport lounges while others provide limited access per year.

There are plenty of credit card issuers that provide their cardholders with complimentary access to airport lounges in the UAE.

The Best Credit Cards With Airport Lounge Access

Travel benefits cards can offer a lot more than just discounts on airfare. Many also come with amazing perks like hotel booking discounts and access to airport lounges. Some cards even offer unlimited access to airport lounges throughout the year.

If you’re looking for a card with great travel benefits, here is a list of the top airport lounge access credit cards UAE.

The following are some of the best airport lounge access credit cards available in UAE, along with a look at their features and benefits.

Best overall Airport Lounge Access Credit Card

1.ADIB Dana MasterCard Credit Card

Abu Dhabi Islamic Bank has a range of airport lounge access credit cards that come with great travel benefits. The ADIB Dana MasterCard is one of the best options, offering worldwide airport lounge access.

But that’s not all – the bank also offers other great benefits to suit the needs of its customers. For example, you can get cash back on various local and international expenses as a loyalty benefit.

• Minimum Salary:5000
• Annual Fee:299
• Dining Discounts
• Airport Lounge Access

Here’s a list of features and benefits provided 

• Dana MasterCard credit card offers free Airport lounge access to over 900 premium airport lounges globally.
• On each international expense, you get 1.25% cash back and 0.8% cash back on every local expense.
• You get a 10% discount on airline tickets through Cleartrip.com.
• As a cardholder, you also get up to a 20% discount on hotels and stay worldwide.
• ADIB Dana MasterCard also provides you access to Buy1Get1 offers.
• Using the credit card, you can receive up to 3 complimentary roadside assistance every year.
• The credit card also offers car rental bookings at discounted rates.

2. ADIB Etisalat Visa Signature Credit Card

The ADIB Etisalat Visa Signature credit card is perfect for people who love to travel. With this card, you can enjoy discounted air tickets, hotel stays, and other travel conveniences like car rental and complimentary airport lounge access. You’ll also get great joining offers and cashback on every credit card purchase.

• Minimum Salary:20000 AED
• Annual Fee: 1199 AED
• Airport Lounge Access
• Dining Discounts
• Valet Parking

Key features and benefits 

• When signing up for the credit card, you get a joining bonus of 100,000 Etisalat Smiles points.
• You can redeem these points to avail of extra discounts on air tickets and hotel bookings across the globe.
• As an Etisalat Visa Signature credit cardholder, you get free lounge access to over 850 premium airport lounges worldwide.
• Using the credit card, you can enjoy up to 4 valet parking every month.
• The card also offers complimentary roadside assistance for your complete peace of mind.
• With ADIB credit cards, you get access to instant funds through online and mobile banking.

3. ADCB Touchpoint Platinum Credit Card

The ADCB Touchpoint Platinum credit card offers a variety of benefits for those who enjoy shopping, living a luxurious lifestyle, and traveling. Some of these benefits include discounts and zero to low annual fees.

• Minimum Salary:15000 AED
• Annual Fee: 630 AED
• Airport Lounge Access
• Dining Discounts
• Movie Discounts

Following are the features and benefits 

• Using the credit card, you get unlimited access to over 25 Mastercard airport lounges across the globe. Additionally, you get up to 3 complimentary lounge access across 1000 airports worldwide via Lounge key.
• As a cardholder, you can access over 200 airport restaurants with exclusive offers and discounts.
• ADCB Touchpoint Platinum credit card offers up to 30% discount on travel and hotel bookings through Cleartrip.com.
• While traveling anywhere around the world, you get a up to 20% discount on car rental fares.
• In addition, you get exclusive access to Buy1Get1 offers across numerous merchants and shopping outlets in UAE.

4. ADCB Lulu Platinum Credit Card

Abu Dhabi Commercial Bank credit cardholders can enjoy plenty of perks. For example, using the Lulu Platinum credit card gives you Lulu Points to redeem for sweet deals. Plus, the card comes with excellent travel benefits, like access to airport lounges near and far. And on top of all that, the card is very affordable with low finance charges and $0 annual fee.

• Minimum Salary: 15000 AED
• Airport Lounge Access
• Dining Discounts
• Special Discounts

Following are the key benefits

• The card offers unlimited access to over 25 regional and international airport lounges. Moreover, you get up to 3 complimentary access to over 1000 international airports via Lounge key.
• Using the credit card for daily expenses, you earn Lulu points and every 5000 Lulu points are worth around AED 50.
• Being a cardholder, you get exclusive access to Buy1Get1 offers at over 900 different merchants and shopping outlets.
• Not only travel and lifestyle, but you also get an attractive 20% discount on online food delivery through Talabat.

Best luxury airport lounge access card

5. HSBC Black Credit Card

This credit card offers free MasterCard lounge access to premium airport lounges across the world for you and your supplementary cardholders. This benefit can be availed by you as well as the supplementary cardholders along with a free accompanying guest each using LoungeKey Program.

• Minimum Salary:15000 AED
• Annual Fee: 15000 AED
• Airport Lounge Access
• Golf Discounts
• Movie Discounts

Following are the features and benefits

• Offering various travel benefits, the Black credit card allows you free airport lounge access to over 1000 airport lounges worldwide.
• When booking flight tickets using HSBC black credit card, you can avail of a 10% discount on local and international flight tickets. Additionally, you get a 15% discount on British Airways flight tickets.
• You can also avail yourself of 10% hotel booking rates through Agoda and Expedia.
• Using the credit card, you get exclusive access to Priceless Cities offering unmatched travel experiences across various cities in the world.

6. Emirates Citibank Ultimate Credit Card

Taking advantage of free MasterCard lounge access at more than 1,000 airport lounges around the world is a great way to make the most of your time while traveling. You can get free access for yourself and one guest on each visit. Both primary and supplementary cardholders can enjoy this benefit through the LoungeKey Program. Just visit the website or mobile app of LoungeKey for a list of airport lounges.

• Minimum Salary: 18000 AED
• Annual Fee: 800 AED
• Airport Lounge Access
• Balance Transfer

Following are the key benefits

• Finance Charges per month: 3.25 percent
• 25 Skywards Miles for each USD 1 international spend
• 1 Skywards Mile for each USD 1 domestic spend

Best airport lounge access card for frequent travelers

7. Standard Chartered Visa Infinite Credit Card

The Standard Chartered Visa Infinite Credit Card comes with a lot of great benefits, one of which is unlimited free access to airport lounges across the globe. All you need to do to take advantage of this benefit is to present your Visa Infinite Card at any participating lounge you visit. You and your accompanying guest will be able to enjoy free refreshments as well as an exclusive seating area.

• Minimum Salary: 30000 AED
• Annual Fee: 1575 AED
• Airport Lounge Access
• Golf Discounts
• Health Club Membership

Following are the features and benefits 

• Using the credit card, you can avail of free airport lounge access to over 1000 airport lounges worldwide.
• To secure your travel, you get travel insurance for up to 90 days of the tour.
• Booking hotels through Agoda using the Signature credit card, you get up to a 12% discount on selected properties.
• The credit card offers up to 35% off on Avis car rental worldwide.
• Using this credit card, you can enjoy exclusive benefits at over 900 premium hotels across the globe through Visa luxury hotel collection privileges.

8. ADCB Travellers Credit Card

ADCB comes up with the ADCB Traveller credit card that offers a range of travel benefits. One of the most prominent features that the card offers is zero international transaction charges. As a cardholder, you get exclusive access to numerous offers on flight and hotel booking, including complimentary access to premium airport lounges.

• Minimum Salary: 20000 AED
• Annual Fee: 1050 AED
• Airport Lounge Access
• Golf Discounts
• Hotel Discounts

Following are the key benefits 

• You receive 2 Touchpoints for every local expense through the Travellers credit card.
• With the ADCB Travellers credit card, you get free airport lounge access to over 900 airport lounges across the globe.
• Using the credit card for flight booking through Cleartrip.com, you can avail yourself of up to a 20% discount. The maximum discount under the offer is capped at AED 5,000.
• You can also avail yourself of up to 6 complimentary nights when booking hotels through an ADCB credit card. However, you need to meet the annual spending limit to be eligible for the offer.
• ADCB Travellers credit card also provides multi-trip travel insurance to secure your journey against travel accidents and inconveniences.

9. ADIB Infinite Credit Card

ADIB is proud to offer a new flagship credit card for travelers and frequent flyers. This card comes packed with travel benefits, loyalty rewards, shopping offers, and dining discounts across various outlets in the UAE and abroad. Plus, you’ll get an exclusive discount on hotel and flight bookings. So whether you’re planning your next big trip or just looking to save on your everyday spending, this card is definitely worth considering.

• Minimum Salary: 30000 AED
• Annual Fee: 2000 AED
• Airport Lounge Access
• Golf Discounts

Following are the key benefits 

• For every expense, you receive 3 ADIB reward points for every  AED you spend in UAE. The offer is valid on various international expenses in USD.
• The card offers free airport lounge access to more than a thousand airport lounges in UAE.
• When reserving your flight tickets through Booking.com, you get up to 7% instant cashback.
• The card also offers multi-trip travel insurance that secures your trip against travel inconveniences and accidents for up to a 90-day period.
• You can also avail yourself of up to 10% discounts while booking hotels through Booking.com

10. FAB Abu Dhabi Titanium Credit Card

FAB Titanium credit card holders can enjoy free airport lounge access with their card. This card also offers loyalty benefits and discounts on every card expense. The cardholder can also get chauffeur rides at a discounted rate.

• Minimum Salary: 5000 AED
• Annual Fee: 500 AED
• Airport Lounge Access
• Special Discounts

Following are the key benefits 

• Using FAB Abu Dhabi Titanium credit card, you can receive up to 2.5 FAB rewards for every Dirham you spend locally or internationally.
• Additionally, for all expenses in Abu Dhabi, you earn a 25% additional reward.
• With your FAB credit card, you avail of free MasterCard lounge access to over 10 VIP airport lounges in the Middle East.
• You can enjoy up to 15% discounts on Avis car rental using your credit card.
• Using the credit card, you can avail yourself of over 600 offers via Mastercard Buy1Get1 Offers across multiple countries.
• With the FAB Titanium credit card, you can enjoy a 10% discount on top brands when shopping through SHOP SMART.

Best Lounge Access and Welcome Bonus Combo

11. RAKBANK Air Arabia Platinum Credit Card

 RAKBANK is known for its customer-oriented credit card products. The RAKBANK Air Arabia Platinum credit card is one of these cards, offering excellent travel privileges. Not only is this card affordable, but it also offers many benefits for shopping, lifestyle, dining, and entertainment expenses.

• Minimum Salary: 5000 AED
• Annual Fee:400 AED
• Airport Lounge Access
• Dining Discounts
• Airport pick up/drop

Following are the key benefits 

• With the Air Arabia Platinum credit card, you receive up to 1.5 reward points for every AED 5 you spend.
• Air Arabia credit card provides unlimited MasterCard lounge access to over 10 Marhaba and CAC lounges and over 15 regional airport lounges across the MENA region, Egypt, and Jordan.
• In addition, you receive up to 6 free airport pick-up and drop services every year.
• You can also avail of up to 30% discount for flight and travel booking through Cleartrip.com.
• With a RAKBANK credit card, you can enjoy up to a 10% discount on rental car services anywhere in the world.

12. AMEX The American Express® Gold Credit Card

AMEX Credit Cardholders can enjoy free access to airport lounges in the Middle East region. Most AMEX Credit Cards in UAE offer this benefit, with Supplementary Card holders also eligible to enjoy complimentary lounge benefits. Guests accompanying cardholders will be charged a small entry fee.

• Minimum Salary: 15000 AED
• Annual Fee: 395 AED
• Airport Lounge Access
• Dining Discounts
• Airport pick up/drop

Features are

• 24/7 Customer service.
• You need to pay the bill in full or in installments.
• Worldwide customer care and emergency card replacement are available with this card.
• You should be of 21 years and above to avail this card.
• You should have an annual income of AED 1,80,000 and AED 2,75,000 for self-employed.
• Exclusive worldwide offers for travel, leisure, and dining.
• Get access to the membership rewards loyalty program.
• The Forex rate on this card is 2.8%
• The annual interest rate of 39%.
• Get 56 days of interest-free days.
• The annual fee applicable on this card is AED 395. Plus an AED 100 annual fee for enrollment into the Membership Rewards Loyalty Program.

Best airport lounge access card for occasional travel

13. Mashreq Platinum Elite Credit Card

 Mashreq cardholders can enjoy 8 complimentary visits to an airport lounge every year, but only if they’ve paid their annual fees. With this benefit, they can relax in the lounge before their flight and take advantage of amenities like complimentary refreshments, Wi-Fi, and charging stations.

• Minimum Salary: 7000 AED
• Annual Fee: 0 AED
• Airport Lounge Access
• Dining Discounts
• Cash Back Offers

Some key Features of this card are,

•  Earn 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.
• Redeem Salaam Points for Skywards Miles
• 8 Free access to Fitness First clubs

FAQs

 1. Is access to airport lounges provided for free on using these credit cards?

By using the credit cards listed above, you can gain free access to many different airport lounges!

2. Can I get access to any airport lounge?

The airport lounge that the cardholder can access depends on which credit card they have. You can ask your credit card provider about which lounges you can access with your card.

3. Do I need to take any prior appointment to get entry to the lounge?

  At some of the lounges, you can just walk in. However, it is recommended to contact the lounge customer care before making a visit. This way, you can make sure that the lounge will be able to accommodate you.

4. For how long I can stay at the airport lounge?

Most of the airport lounges provide a maximum of 4 hours’ stay.

5. Are kids allowed to the lounge?

 Yes. Kids are allowed to the lounge but they will be considered as a guest accompanied at some of the lounges.

 6. Can I get food and drinks for free at the lounge? 

 Some of the airport lounges provide snacks and refreshments as complimentary.

The right choice of credit cards for grocery shopping in UAE can help you save your money. Credit cards these days offer benefits.

You can save money by spending on groceries every month in UAE. Groceries are an inalienable part of our lives. Anything can be cut, but not on groceries. Grocery shopping is a necessary component of our daily routine.

What do you buy? How much did you buy? Where do you buy groceries from?

Answers to these depend solely on you. However, it is true that whatever you buy or how much you buy or from wherever you buy your groceries you can save your money with the right choice.

It’s just a matter of choice. The choice of credit cards you use to pay for your groceries.

Credit cards are not only an easy way to handle your money. They can also help you to earn money or to save money. Banks in UAE offer you different benefits with each credit card. So it’s important to know about these benefits of spending your money smartly and wisely.

The right choice of the credit card used to spend on groceries can help you save your money. Credit cards these days offer benefits like cashback offers, discounts, etc.

Related: BEST REWARDS CREDIT CARDS IN UAE

Why miss a golden chance when you are the one who makes choices?

Is making a choice difficult when you have a lot of choices in front of you?

We are here to help you. We have shortlisted 10 Best Grocery Credit Cards in UAE. Here you go.

10 Best Grocery Credit Cards in UAE

Now let’s see each one of these in detail.

1. Citi Bank Cashback Credit Card

Citi Bank Cashback Credit Card offers you great cashback on all your purchases made using the card.  If you have a Citi Cashback Credit Card, you will be eligible for a variety of discounts and special offers at the bank’s partner stores.

Customers also get discounts on EMI for a variety of products at numerous electronic stores, shopping outlets, retailing chains, and online purchases. Regarding the annual fee, if the minimum spending requirements are met the credit card is free for the second year.

ATTRACTIONS:

• 3% cashback on non-AED spend
• 2% cash back on groceries
• 1% cashback on all other spends
• Free for life
• Airport Lounge Access
• Voucher Skout credits

2. Emirates Islamic Cashback Plus Credit Card

Hundreds of thousands of suitors and lovers have flocked to the Emirates Islamic Cashback Plus Credit Card, which has continuously been one of the best-selling cards in the UAE region.

This credit card offers 10% cashback on all purchases, including but not limited to grocery purchases, education, dining, telecom bills, and more.

ATTRACTIONS:

• Up to 10% cashback on spends
• RTA No Chip
• Airport Lounge Access
• Complimentary Reel Cinema Movie Tickets
• Complimentary Golf
• Purchase Protection
• Cash on Call facility
• Free Supplementary Cards

3. FAB Cashback Card

FAB Cashback credit card that rewards you with 5% cash back on groceries, fuel, and utility. With 5% cash back at the supermarket (including online), the fuel station, and on utility bills, you’ll get the best deal on your everyday spending.

On request, your cashback will be calculated monthly and awarded on the statement date.

ATTRACTIONS:

• AED 300 cashback welcome bonus
• 5% Cashback on your everyday spending
• 2% Cashback on non-AED spending
• Shop Smart for Online Purchases
• Movie Tickets from just AED 15
• Careem Chauffeur Services
• Buy 1 Get 1 Free Offers
• Airport Lounge Access
• Travel Discounts

4. CBD Super Saver Credit Card

Earn up to 10% cash back on the following daily retail purchase categories with a monthly limit of AED 150 per category. To start receiving cashback, you must spend a minimum of AED 3000 per month in all categories.

This includes accounts payable (telecom bills, utility bills, and government-linked payments), educational payments (schools, colleges, and universities), grocery stores (supermarkets), and transportation needs (fuel).

ATTRACTIONS:

• Up to 10% cashback on everyday spends
• Free Valtrans Valet Parking
• Discounts on Movie Tickets
• Airport Lounge Access
• Careem Rides, Food & Shop, Bike Benefits
• Purchase Protection
• Multi-trip Travel Insurance
• Free For Life Supplementary Cards
• 24 * 7 Assistance
• Entertainment Offers

5. RAKBANK World Credit Card

Every day, the RAKBANK World Credit Card provides you with a world of rewards, privileges, and benefits. The RAKBANK World Credit Card goes above and beyond what you might expect from a credit card, providing great cashback on all of your purchases.

There is also a slew of travel perks, lifestyle bonuses, and unbeatable savings to be had.

ATTRACTIONS:

• Upto10 % Cashback on Supermarket
• Airport Lounge Access
• Buy 1 Get 1 Offers
• 50% Cashback on Cinema
• Up to 10% Cashback on Travel
• 5% Cashback on International Spends
• Free Supplementary Cards
• Dining Discounts
• Purchase Protection
• Secure Wallet

6. DIB Consumer Reward Card

DIB Consumer Reward Card is an everyday convenience paired with everyday savings when it comes to supermarket and hypermarket purchases, bills, fuel, and more.

Dubai Islamic Bank and Dubai’s Department of Economic Development jointly own this credit card. This card is packed with distinctive features and rewards, making it great for everyday use.

ATTRACTIONS:

• 3% Cashback on Supermarket & Hypermarket Purchases
• 3% Cashback on Automobile Servicing
• 3% Cashback on Etisalat & Du Bill Payments
• 3% Cashback on Fuel Spends
• 3% Cashback on Salik and NoI Recharges
• 3% Cashback on School Fees

7. Standard Chartered Manhattan Platinum Card

Users of the Standard Chartered Manhattan Credit Card have a better time shopping, dining, and traveling. You can get 1% cashback on all domestic spending.

You can also avail of infinite cashback on all AED and non-AED purchases with zero minimum expenditure.

ATTRACTIONS:

• Buy 1 Get 1 at Costa Coffee
• Zero Cash Advance Fees
• Up to 8% off at Hotels.com
• Medical & Travel Coverage
• Buyer’s Protection
• Globally Accepted Shariah-compliant Card
• 20% Discounts with DragonPass
• Golf Benefits
• Reward Points for every AED spend

8.Emirates NBD WebShopper Credit Card

The card is designed exclusively for online shopping. Another ground-breaking effort from Emirates NBD, this card is designed for online purchases and offers optimum security so you can shop with confidence. You can also use a variety of alternative financial services to fulfill your needs.

When you use your Emirates NBD WebShopper Credit Card for all of your online purchases, you will earn Plus Points. For every AED 200 spent you will receive 1 Plus Point. Plus Points can also be exchanged for Frequent Flyer Miles or cash.

ATTRACTIONS:

• Exclusively for Online Shopping
• Free SMS Alerts
• 24 Hour Assistance
• Online Access
• Free 24/7 Roadside Assistance
• Double Secure
• Discounts on Flights and Hotel Bookings
• Discounts on Utility Payments
• Discounts on Tickets for Entertainment Venues

9. Dubai First Cashback Credit Card

You might wonder, what’s better than cashback? Only the new Dubai First Cashback Credit Card gives you unlimited, greater, and quicker cashback. There are no minimum spending requirements or restrictions on where you can shop.

Accumulate points and redeem them through the Dubai First App. Using this credit card, get a staggering 5% reward on grocery and online shopping, plus 1% on anything else.

ATTRACTIONS:

• AED 350 Bonus Cashback Welcome Offer
• 5% Cashback on Groceries and Online Purchases
• 0% Interest Easy Purchase Loans
• Access to Airport Lounges
• 10% Additional Cashback on 1500+ e-commerce sites with Shopsmart
• Buy 1 Get 1 Offers on Leisure, Entertainment, and More
• Up to 30% Off on Your Travel with Cleartrip

10. ADIB Cashback Visa Platinum Card

ADIB Cashback Visa Platinum Card is a cashback credit card that provides flat cashback on all card transactions done anywhere in the world. It comes with a slew of perks, including cashback, roadside assistance, gratis valet parking, and access to airport lounges.

Cash withdrawal, a complementary grace period, and additional cards are all available to cardholders.

ATTRACTIONS:

• 1% Cashback Anywhere Anytime
• 100% Cash Withdrawal
• 4 Free Supplementary Cards
• Complimentary Roadside Assistance
• Free Airport Lounge Access
• 0% Easy Payment Plan
• Balance Transfers
• Dining Discounts
• Valet Parking
• Tap and Pay

That’s it. But this isn’t the end of the list. There are many more on the row. Just analyze how much you spend and where you spend more and make a decision that suits you best.

When you are left with a lot of choices, the best thing you can do is to compare the rewards and other offers and also consider the charges for credit cards and finally choose the one that will benefit you the most.

Don’t wait to take chances. Be Smart, Plan Wisely, Make Maximum Out of Your Money, And Live A Good Life.

Frequently Asked Questions

1. Is it possible to pay with my credit cards in supermarkets?

Ans: You may use your credit card to pay for nearly anything you want, as long as you stay within your credit limit- groceries, vehicles, clothes, bill payments etc.

2. How do cashback offers work with credit cards in grocery stores?

Ans: If your credit card enables you, you can get cash back at the grocery stores if you use it. Some credit cards provide quarterly rotating cashback benefits based on how you spend your money. Whereas some credit cards provide rewards without a minimum expenditure.

3. Are there credit cards exclusively for grocery stores?

Ans:  No. There aren’t credit cards exclusively for grocery stores. You can choose credit cards that provide you with cashback offers and other rewards based on your needs and benefit from it. All that matters is the choice of the right credit card for you.

4. Can I get benefits from credit cards for online shopping?

Ans: Of course, you can benefit from credit cards while paying for online purchases. You can avail cashback offers, and discounts and also win other rewards like reward points, access to airport lounges, discounts on entertainment, dining, etc. which the banks provide.

5. Which is the best grocery credit card for me?

Ans: There isn’t a water-tight distinction between the best grocery credit cards. The need of the consumer is of primary importance. You can also consider the following things while looking for the best grocery credit cards:

• Minimum salary
• Annual fee
• Rate
• Rewards that the credit card offers

6. Can I get supplementary credit cards with grocery credit cards?

Ans: Most banks provide supplementary credit cards. But whether it is paid or whether it is free is solely based on the policies of the bank. Some banks offer free supplementary cards while some banks charge for supplementary cards. The annual fee for supplementary cards also differs from bank to bank.

How credit card rewards programs can improve your everyday life? Before you apply, read up on what makes a card a good fit for you.

If you have been paying the same high-interest credit card debt for years, you may want to consider refinancing your balance and getting a lower interest rate. The top credit cards come with high rewards programs that offer a ton of perks, but they more often than not charge an annual fee as well.

However, it is certainly possible to find one you might be interested in that offers the best of both worlds; great rewards and no annual fee. Here’s how to find the right card to get started.

Credit card rewards programs are a great way to get some extra perks on the purchases you are already making.

The reward can be anything from gift cards, and merchandise to cashback. These rewards can be used to help pay for vacations, give you cash back on your purchases, or just some extra perks on the things you are already buying.

How to choose the best credit card that suits your lifestyle?

Choosing the best rewards credit card for your lifestyle can be a simple and easy process. All you have to do is put all your options on the table and decide which will best suit your needs.

Types of Rewards

Rewards may come in many forms, but they all hold special meaning to us. You will want to make sure that you are collecting rewards in a way that’s right for you. For example, avid travelers will be delighted with air miles redeemable for flights or hotel stays as well as with car rentals and other travel-related engagements. People with large families might register for brand-name merchandise and gift cards for particular stores, while others might prefer donating points to charity or cash back options.

Rewards Programs should be flexible so that you can exchange your rewards points for what you’re most interested in. For example, Emirates Ultima Credit Card by Citibank UAE Unlimited access to 1000+ airport lounges worldwide for you and 1 guest Complimentary Golf: unlimited on weekdays and 1 free round on weekends per month, Buy 1, Get 1 free movie ticket with Reel & Vox cinemas and International Concierge. Even better is that Complimentary Travel Inconvenience & Travel Medical Insurance are available!

The Importance of Redemption Rules:

Before redeeming your reward to upgrade or extend, make sure you check the terms of use. Some programs are strict about allowing rewards to be redeemed on-demand, while others may not allow it at all.

If you have an Emirates Ultima Credit Card by Citibank UAE, you can benefit from a convenient travel portal that enables you to book flights, hotel deals, and other packages conveniently. Watch out for the price match guarantee on select products.

Redeeming money on your chosen platform is very easy, just like how Bitcoin and altcoins can be used to purchase anything, real or virtual. You don’t need to earn millions of points or points at all before you redeem; it’s all dependent on you and how much money you’re looking to get back (which isn’t much if any at all).

What is a good reward earning rate?

All rewards credit cards come with an earning rate, which is a measurement of your amount of points for every 1 AED spent. Most credit cards are divided by category. One can earn 1 point per AED in gas purchases, 4 in restaurants, and 2 on groceries, making it important to look at how the card attaches points per category before applying. It’s also important to note that some earning rates may vary.

New cardholders will earn up to an accelerated rate of 25,000 welcome bonus skywards miles and 10,000 miles annually upon payment of the Annual Fee, making it easier and more worthwhile to reach the rewards milestones mile markers. Afterwards, 1 AED = 0.7 Skywards Miles on Emirates.com spend in AED and 1 AED = 0.5 Skywards Miles on non-AED Spend.

Also, Get extra perks from your credit card!

Your card earnings are always changing. That’s why it’s important to check with your credit card provider when its new version is released – because sometimes they’ll increase the rewards rate on a particular card.

When you use an Emirates Ultima Credit Card by Citibank UAE, Complimentary Emirates Skywards Silver membership, giving you 12kg of extra baggage allowance, priority check-in access to 1000+ airport lounges worldwide for you, your supplementary cardmembers, plus one free guest each per visit, Unlimited complimentary golf on weekdays and once a month on weekends at some of the best courses in the UAE and other great benefits too!

EMIRATES CITIBANK ULTIMA CREDIT CARD

Earn up to 2.5 Skywards Miles per AED spend

AED 2,000 joining bonus statement credit upon meeting min spends

• Exclusive 100% Metal card
• Best Skywards earn rate in the UAE (up to 2.5 Skywards Miles per 3.67 AED)
• Complimentary Skywards Silver membership (extra baggage and Emirates lounge access in Dubai Airport)
• 25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
• Unlimited access to 1000+ airport lounges worldwide for you and 1 guest
• Complimentary Golf: unlimited on weekdays and 1 free round on weekends per month
• Buy 1, Get 1 free movie ticket with Reel & Vox cinemas
• International Concierge
• Complimentary Marhaba Silver Meet & Greet service
  10. 0% interest installment plan on tickets purchased online at www.emirates.ae
• Complimentary Travel Inconvenience & Travel Medical Insurance and much more