Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in UAE in 2026? We compared 15 credit cards from top banks in UAE to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Central Bank of the UAE (CBUAE).
Quick Comparison: All 15 Credit cards in UAE
Side-by-side comparison of every credit card option in UAE as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. ADCB Infinite Credit Card | Abu Dhabi Commercial… | 3.49% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 2. ADCB Signature Credit Card | Abu Dhabi Commercial… | 3.49% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 3. ADCB Traveller Credit Card | Abu Dhabi Commercial… | 3.49% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 4. Betaqti Credit Card | Abu Dhabi Commercial… | 3.49% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 5. Lulu Platinum Credit Card | Abu Dhabi Commercial… | 3.25% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 6. Lulu Titanium Card | Abu Dhabi Commercial… | 3.25% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 7. Titanium and Gold Credit Card | Abu Dhabi Commercial… | 3.49% per month | Travel Benefits, Dinning Benefits, Purchase Protecti… | View → |
| 8. TouchPoints Infinite Card | Abu Dhabi Commercial… | 3.49% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 9. Touchpoints Platinum Card | Abu Dhabi Commercial… | 3.49% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 10. ADIB Booking Infinite Card | Abu Dhabi Islamic Bank | 2.75% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 11. ADIB Booking Signature Card | Abu Dhabi Islamic Bank | 2.75% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 12. ADIB EDGE Card | Abu Dhabi Islamic Bank | 2.75% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 13. ADIB Etihad Guest Classic Card | Abu Dhabi Islamic Bank | 2.99% per month | Shopping Discounts, Dinning Benefits, Digital Wallet… | View → |
| 14. ADIB Etihad Guest Gold Card | Abu Dhabi Islamic Bank | 2.75% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 15. ADIB New Cashback Visa Card | Abu Dhabi Islamic Bank | 2.99% per month | Shopping Discounts, Dinning Benefits, Digital Wallet… | View → |
Top 15 Credit Cards in United Arab Emirates (2026)
1. ADCB Infinite Credit Card
Bank: Abu Dhabi Commercial Bank
- Annual Fee: AED 1,575 (including VAT). Also, AED 262.50 (including VAT) on every supplementary credit card
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: Up to 3 Reward points per $1 spent at participating Accor hotels in the UAE and on your other spends
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
ADCB ALL Infinite Credit Card — Earn up to 3 Reward points per AED 1 at Accor hotels in UAE. Suite upgrades, Executive Lounge access at Raffles, Fairmont, Sofitel. Up to 50,000 welcome Reward points
2. ADCB Signature Credit Card
Bank: Abu Dhabi Commercial Bank
- Annual Fee: annual fee of AED 1,050 (including VAT) will be applicable on the primary credit card
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: Up to 2 Reward points per $1 spent at participating Accor hotels in the UAE and on your other spends
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
ADCB ALL Signature Credit Card — Earn 2 Reward points per AED 1 at Accor hotels in UAE, up to 2 on international spends, 1 on domestic. Up to 25,000 welcome Reward points. Buy 1 Get 1 at VOX Cinemas
3. ADCB Traveller Credit Card
Bank: Abu Dhabi Commercial Bank
- Annual Fee: An annual fee of AED 2,625 (inclusive of VAT) is applicable. ADCB Excellency customers will receive 50% discount on the annual fees
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: 10% cashback on airline and hotel spends. 1.5% cashback on all other domestic spending.
- Interest Free Days: 55
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
ADCB Traveller Credit Card — 10% cashback on airline and hotel spends worldwide. 1.5% cashback on all other domestic spending. AED 2,000 hotel stay voucher for new cardholders. Complimentary airport
4. Betaqti Credit Card
Bank: Abu Dhabi Commercial Bank
- Annual Fee: annual fee of AED 2,100 (inclusive of VAT)
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: 3 TouchPoints per AED 1 spent. Up to 750,000 Anniversary TouchPoints.
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
ADCB Betaqti Credit Card — Exclusively for UAE Nationals. Earn 3 TouchPoints per AED 1 spent. 300,000 TouchPoints welcome bonus. Up to 750,000 Anniversary TouchPoints. Buy 1 Get 1 at VOX Cinemas inc
5. Lulu Platinum Credit Card
Bank: Abu Dhabi Commercial Bank
- Annual Fee: 0 Annual fees
- Interest Rate: 3.25% per month
- Salary/Eligibility: Preferred
- Rewards: Earn LuLuPoints redeemable at any LuLu Hypermarket in UAE.
- Interest Free Days: 55
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Digital Wallet, Entertainment Benefits
ADCB LuLu Platinum Credit Card — No annual fees. Earn LuLuPoints on every purchase redeemable at LuLu Hypermarket. Buy 1 Get 1 at REEL Cinemas. 4 complimentary airport lounge visits. Zero-interest s
6. Lulu Titanium Card
Bank: Abu Dhabi Commercial Bank
- Annual Fee: 0 Annual fees
- Interest Rate: 3.25% per month
- Salary/Eligibility: Preferred
- Rewards: Earn LuLuPoints redeemable at any LuLu Hypermarket in UAE.
- Interest Free Days: 55
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Digital Wallet, Entertainment Benefits
ADCB LuLu Titanium Credit Card — No annual fees. Earn LuLuPoints on every purchase redeemable at LuLu Hypermarket. Buy 1 Get 1 at REEL Cinemas. Zero-interest school fee payment plan. Minimum salary
7. Titanium and Gold Credit Card
Bank: Abu Dhabi Commercial Bank
- Annual Fee: no annual fee
- Interest Rate: 3.49% per month
- Salary/Eligibility: Preferred
- Rewards: Earn up to 0.5 TouchPoints per AED 1 spent.
- Interest Free Days: 55
- Benefits: Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Entertainment Benefits, Hotel Discounts & Offers
ADCB TouchPoints Titanium and Gold Credit Card — Lifetime free, no annual fee. Earn up to 0.5 TouchPoints per AED 1. Buy 1 Get 1 at VOX Cinemas. Discounts at Yas WaterWorld and Ferrari World Abu Dha
8. TouchPoints Infinite Card
Bank: Abu Dhabi Commercial Bank
- Annual Fee: An annual fee of AED 1,050 (including VAT) will be applicable; Excellency customers will enjoy 50% discount on annual fees i.e. AED 525 (including VAT)
- Interest Rate: 3.49% per month
- Salary/Eligibility: Not Required
- Rewards: Earn up to 2 TouchPoints per AED 1 spent. Choose your bonus category.
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
ADCB TouchPoints Infinite Credit Card — Earn up to 2 TouchPoints per AED 1. Free golf at Arabian Ranches & Abu Dhabi Golf Club. Buy 1 Get 1 at VOX Cinemas. Caribou Coffee BOGO. 20% off Talabat. Annu
9. Touchpoints Platinum Card
Bank: Abu Dhabi Commercial Bank
- Annual Fee: Nil Annual Fee for first year, annual fee at prevailing rate will be applicable from second year onwards for new customers
- Interest Rate: 3.49% per month
- Salary/Eligibility: Preferred
- Rewards: Earn up to 1 TouchPoint per AED 1 spent.
- Interest Free Days: 55
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Touchpoints Platinum Credit Card__ With the wide range of benefits and privileges from online food delivery discounts, entertainment deals and much more to compliment your lifestyle
10. ADIB Booking Infinite Card
Bank: Abu Dhabi Islamic Bank
- Interest Rate: 2.75% per month
- Salary/Eligibility: Not Required
- Cashback: 7% Cashback on Flights and 5% Fuel Cashback
- Rewards: 5% cashback on flights, 5% on fuel
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Go places with the ADIB Booking.com Infinite Card. Earn & use your points with any airline, any hotel, anywhere! Also enjoy discounts on hotel bookings, dining and cashback on flights, fuel, dining, a
11. ADIB Booking Signature Card
Bank: Abu Dhabi Islamic Bank
- Interest Rate: 2.75% per month
- Salary/Eligibility: Not Required
- Cashback: 5% Cashback on Flights and 4% Fuel Cashback
- Rewards: ADIB Rewards points; 10% hotel discount, 25% restaurant
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Introducing the ADIB Booking.com Signature Card that comes packed with exclusive domestic and international benefits, discounts, and much more! Your new ADIB Booking.com Signature Card, made to go pla
12. ADIB EDGE Card
Bank: Abu Dhabi Islamic Bank
- Interest Rate: 2.75% per month
- Salary/Eligibility: Not Required
- Rewards: 2.5 reward points per AED 1; 10% dining cashback
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Welcome to your ADIB Edge Card which brings you a world of infinite possibilities.
13. ADIB Etihad Guest Classic Card
Bank: Abu Dhabi Islamic Bank
- Interest Rate: 2.99% per month
- Salary/Eligibility: Not Required
- Rewards: 1 Mile per AED 4 spent
- Benefits: Shopping Discounts, Dinning Benefits, Digital Wallet, Entertainment Benefits, Lifestyle Privileges, Chip/Pin
ADIB Etihad Guest Platinum Card___ Earn a welcome bonus of 10,000 Etihad Guest Miles – one of the highest rewarding travel cards in the region!Earn up to 1 Etihad Guest Miles for every AED 4 spent.
14. ADIB Etihad Guest Gold Card
Bank: Abu Dhabi Islamic Bank
- Interest Rate: 2.75% per month
- Salary/Eligibility: Not Required
- Rewards: Up to 1.5 Miles per AED 4 spent
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
ADIB Etihad Guest Gold Card__ Apply for ADIB Etihad Guest Gold Card and get Double Signup Etihad Guest miles subject to activation and spend of first retail transaction on your Gold Card within 30
15. ADIB New Cashback Visa Card
Bank: Abu Dhabi Islamic Bank
- Interest Rate: 2.99% per month
- Salary/Eligibility: Not Required
- Cashback: 4% Cashback across most of your daily spend categories, e.g, dining, grocery, educational expenses, utility payments
- Rewards: 4% cashback on groceries, fuel, dining, utilities (cap AED 1,000/month)
- Benefits: Shopping Discounts, Dinning Benefits, Digital Wallet, Chip/Pin, Supplementary Cards, Interest Free Days
ADIB New Cashback Visa Card___ Now, with the ADIB New Cashback Visa Covered Card you can earn 4% Cashback across most of your daily spend categories!
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in UAE
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — all products listed are from banks regulated by Central Bank of the UAE (CBUAE)
Frequently Asked Questions: Credit cards in UAE
What is the best credit card in UAE for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare all 15 options on this page.
What credit score do I need for a credit card in UAE?
Most banks in UAE require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
Can I apply online for a credit card in UAE?
Yes, most major banks in UAE now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Yes — all 15 options listed are from banks regulated by Central Bank of the UAE (CBUAE). Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in UAE?
Fees vary by tier and bank: classic cards typically AED 0–1,500/year, gold AED 1,500–3,000, platinum AED 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
Can I get a credit card if I am self-employed in UAE?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees (typically AED 500–2,000), a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for UAE
- All banks in UAE
- Bank branches across UAE
- Credit Cards In UAE 2026
- Personal Loans In UAE 2026
- Savings Accounts In UAE 2026
- UAE EMI calculator
- UAE savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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