Best Credit Cards in United Arab Emirates — Compare 180 Cards
Every credit card we can verify as issued in United Arab Emirates — 180 cards from 20 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Just moved to Dubai or Abu Dhabi? Read the best credit card for expats in the UAE — first cards new residents can actually get, by salary.
Best credit cards in United Arab Emirates — our picks
View all 180 cardsOne card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
No annual fee, and at 27% a year it is among the cheaper cards to carry a balance on.
Chosen by: Zero or permanently waived annual fee, then the lowest published interest rate. Picked from 36 qualifying cards.
Go to cbiuae.com Commercial Bank Internatio's site — this card is not linked directly
You do not have to move your salary to this bank — the stated minimum is AED 5,000 a month.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 100 qualifying cards.
Go to emiratesislamic.ae Emirates Islamic Bank's site — this card is not linked directly
Airport lounge access with no annual fee at all.
Chosen by: Publishes airport lounge access, then the lowest annual fee. Picked from 125 qualifying cards.
Go to adcb.com Abu Dhabi Commercial Bank's site — this card is not linked directly
Sharia-compliant structure, with a published profit rate of 33% a year.
Chosen by: Sharia-compliant card, then the lowest profit rate. Picked from 53 qualifying cards.
Go to adib.com Abu Dhabi Islamic Bank's site — this card is not linked directly
At 12% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 152 qualifying cards.
View on cbd.ae Opens United Arab Bank's own page for this card
Headline cashback of up to 12% — check which categories it applies to before you assume it covers everything.
Chosen by: Highest published headline cashback rate. Picked from 51 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
Accepts a monthly salary from AED 5,000 — the lowest published requirement in our data for this market.
Chosen by: Lowest published minimum monthly salary. Picked from 168 qualifying cards.
View on emiratesnbd.com Opens Emirates NBD's own page for this cardCompare all 180 United Arab Emirates credit cards
Figures are as each bank publishes them. 168 of 180 cards state a minimum monthly salary, 108 state an annual fee, 152 state an interest or profit rate and 146 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
125 of 180 cards match your filters.
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. 35 of these 180 cards link straight to the bank's own page for that card; the rest link to the bank's site or to our card record. We do not have an application relationship with most of these issuers and do not pretend to. Verify the current terms with the bank before you apply.
Prefer to be asked?
Four questions — salary, spending, and what matters most — and we shortlist five of the 180 cards above for you.
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More about credit cards in United Arab Emirates
The 180 cards compared above are every credit card we can attribute to United Arab Emirates itself, from 20 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in AED as published by each bank.
Looking for a credit card, a loan or a savings account in the United Arab Emirates?
Compare what banks in the United Arab Emirates actually offer — rates, fees and eligibility, updated for 2026.
Banks we track in United Arab Emirates
Keep going in United Arab Emirates
Guides for United Arab Emirates
United Arab Emirates — frequently asked questions
Which credit cards have no annual fee in United Arab Emirates?
MC Platinum Credit Card (Emirates NBD), Lulu 24/7 Titanium Credit Card (Emirates NBD), MC Titanium Credit Card (Emirates NBD), U By Emaar Family Credit Card (Emirates NBD) are among the 57 cards in our United Arab Emirates data with a zero or waived annual fee.
What is the best cashback credit card in United Arab Emirates?
We track 46 cashback cards in United Arab Emirates. Visa Flexi Credit Card from Emirates NBD publishes: cashback on everyday spend. The right one depends on where you actually spend — the finder above ranks them for your profile.
What salary do I need for a credit card in United Arab Emirates?
Published minimum income requirements in our United Arab Emirates data include Minimum salary AED 30,000; AED 12,000; Minimum salary AED 20,000. Enter your salary above and the finder only shows cards you meet the stated requirement for.
How does the card finder pick a card?
It scores every card we hold for United Arab Emirates against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.