Looking for the best Credit Cards in United Arab Emirates? We have compared 15 Credit Cards from top banks in United Arab Emirates to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
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!
How to Choose a Credit Card in United Arab Emirates
- 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
- Regulation — all products listed are from banks regulated by CBUAE
Frequently Asked Questions
What is the best Credit Card in United Arab Emirates for 2026?
The best option depends on your needs and spending. Compare all 15 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in United Arab Emirates now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in United Arab Emirates?
Besides cards, popular payment methods include Cards, Apple Pay, Samsung Pay.
Compare all Credit Cards in United Arab Emirates →
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How We Compare Best Credit Cards in United Arab Emirates 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in United Arab Emirates. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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