Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in United Arab Emirates in 2026? We hold verified data on 162 credit cards in United Arab Emirates and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in United Arab Emirates. It is the set Buzdy has verified data for, from 15 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in United Arab Emirates
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. Emarati Credit Card | Emirates Islamic Bank | No annual fee | 35.88% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 2. Lulu 24/7 Titanium Credit Card | Emirates NBD | No annual fee | 39% per month | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 3. Cashback Card | Mashreq | No annual fee | 39.96% per month | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 4. RED Credit Card | National Bank of Ras Al-Khaimah PJSC | No annual fee | 41.88% per month | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 5. Blue FAB Signature C.Card | First Abu Dhabi Bank | No annual fee | 42% per month | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 6. Visa Platinum | Commercial Bank International | No annual fee | 27% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 7. Platinum Smart Covered Card | Al Hilal Bank | No annual fee | 35.88% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 8. Lulu Titanium Card | Abu Dhabi Commercial Bank | No annual fee | 39% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 9. Titanium Mastercard | Commercial Bank of Dubai | No annual fee | 39% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 10. Titanium credit card | United Arab Bank | No annual fee | 42% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 11. Prime Classic Card | Dubai Islamic Bank | No annual fee | 35.88% per month | Cashback, Rewards points, Digital wallet, Shopping offers | View → |
| 12. Visa Gold Credit Card | Bank of Sharjah | No annual fee | 42% per month | Dining offers, Digital wallet, Shopping offers, Supplementary cards | View → |
| 13. Citi Custom CashSM Card | Citibank | No annual fee | Not published | Cashback, Rewards points, Digital wallet, Entertainment | View → |
| 14. ADIB Booking Signature Card | Abu Dhabi Islamic Bank | Not published | 33% per month | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 15. Smiles Titanium Mastercard | Sharjah Islamic Bank | AED 299 | 35.88% per month | Airport lounge, Cashback, Rewards points, Dining offers | View → |
The 15 Credit Cards in Detail
1. Emarati Credit Card
Bank: Emirates Islamic Bank
- Annual fee: No annual fee
- Interest rate: 35.88% per month
- Minimum income: AED 12,000 / month (Minimum salary AED 12,000)
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant
Emarati Credit Card comes in a sleek metal with cutting-edge design and brings you endless travel and lifestyle benefits and much more.
2. Lulu 24/7 Titanium Credit Card
Bank: Emirates NBD
- Annual fee: No annual fee
- Interest rate: 39% per month
- Minimum income: AED 5,000 / month (Minimum salary AED 5,000)
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Shop as usual. Get more than usual. Earn up to 3.5% back as Lulu Points on your daily spends and with no minimum spend requirement.
3. Cashback Card
Bank: Mashreq
- Annual fee: No annual fee
- Interest rate: 39.96% per month
- Minimum income: AED 8,000 / month (Minimum salary AED 8,000)
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
The Mashreq Cashback Card is free for life and offers 5% unlimited cashback on all dining spends locally and internationally with no caps. Earn 1% cashback on international and all other local purchases. Enjoy an AED 500 welcome bonus for new customers, unlimited dining discounts through DragonFly Programme, and fle...
4. RED Credit Card
Bank: National Bank of Ras Al-Khaimah PJSC
- Annual fee: No annual fee
- Interest rate: 41.88% per month
- Minimum income: AED 5,000 / month (Minimum salary AED 5,000)
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Earn up to 1.5% Cashback on all you buy with RAKBANK RED Mastercard Credit Card.
5. Blue FAB Signature C.Card
Bank: First Abu Dhabi Bank
- Annual fee: No annual fee
- Interest rate: 42% per month
- Minimum income: AED 15,000 / month (Minimum salary AED 15,000)
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Blue FAB Signature Credit Card by Al-Futtaim__ Accelerate your Al-Futtaim FAB Rewards earning with your Blue FAB Credit Card from Al-Futtaim
6. Visa Platinum
Bank: Commercial Bank International
- Annual fee: No annual fee
- Interest rate: 27% per month
- Minimum income: AED 8,000 / month (Minimum salary AED 8,000)
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
With an interest rate of just 2.25% p.m. you can save money by spreading the cost of larger purchases or by transferring balances from other cards.
7. Platinum Smart Covered Card
Bank: Al Hilal Bank
- Annual fee: No annual fee
- Interest rate: 35.88% per month
- Minimum income: AED 8,000 / month (Minimum salary AED 8,000)
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Supplementary cards, Sharia compliant
Al Hilal Bank Platinum Smart Covered Card — Free for life, no annual fee. Shariah-compliant. Purchase Protection and travel benefits included. Minimum salary AED 8,000.
8. Lulu Titanium Card
Bank: Abu Dhabi Commercial Bank
- Annual fee: No annual fee
- Interest rate: 39% per month
- Minimum income: AED 5,000 / month (Minimum salary AED 5,000)
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
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 AED 5,000.
9. Titanium Mastercard
Bank: Commercial Bank of Dubai
- Annual fee: No annual fee
- Interest rate: 39% per month
- Minimum income: AED 5,000 / month (Minimum salary AED 5,000)
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Exclusive benefits and privileges. The CBD Titanium Mastercard provides you with greater spending power, worldwide acceptance and the ability to earn exclusive rewards.
10. Titanium credit card
Bank: United Arab Bank
- Annual fee: No annual fee
- Interest rate: 42% per month
- Minimum income: AED 6,000 / month (Minimum salary AED 6,000)
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
The UAB Titanium credit card has unmatched benefits and privileges catered to giving you the best experiences. The UAB Titanium Mastercard is meant for the emerging affluent segment Enjoy unmatched travel privileges and superior lifestyle benefits!
11. Prime Classic Card
Bank: Dubai Islamic Bank
- Annual fee: No annual fee
- Interest rate: 35.88% per month
- Minimum income: AED 5,000 / month (Minimum salary AED 5,000)
- Verified benefits: Cashback, Rewards points, Digital wallet, Shopping offers, Supplementary cards, Sharia compliant
The DIB Prime Classic Card offers high cash withdrawal limits up to 80% of your credit limit and earns 1.0 Walaa Reward for every AED 1 spent on retail purchases. Redeem rewards for flights, hotel stays, retail and bill payments. Includes travel and medical coverage up to USD 50,000 and Credit Shield Takaful protect...
12. Visa Gold Credit Card
Bank: Bank of Sharjah
- Annual fee: No annual fee
- Interest rate: 42% per month
- Minimum income: AED 8,000 / month (Minimum salary AED 8,000)
- Verified benefits: Dining offers, Digital wallet, Shopping offers, Supplementary cards
With a Visa Credit Card, you can get cash at more than 840,000 ATMs in the Visa Global ATM Network. It's a secure, reliable way to pay for anything you need, anywhere in the world.
13. Citi Custom CashSM Card
Bank: Citibank
- Annual fee: No annual fee
- Interest rate: Not published
- Minimum income: AED 8,000 / month (Minimum salary AED 8,000)
- Verified benefits: Cashback, Rewards points, Digital wallet, Entertainment
Earn and redeem rewards with a card that adapts to fit your life. With the Citi Custom CashSM Card, earn extra cash back in the eligible category you spend the most in each billing cycle. Plus, you can enjoy a low intro APR on new purchases and balance transfers for the first 15 months as a new cardholder, all with ...
14. ADIB Booking Signature Card
Bank: Abu Dhabi Islamic Bank
- Annual fee: Not published
- Interest rate: 33% per month
- Minimum income: AED 10,000 / month (Minimum salary AED 10,000)
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant
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 places..
15. Smiles Titanium Mastercard
Bank: Sharjah Islamic Bank
- Annual fee: AED 299 (AED 299/year)
- Interest rate: 35.88% per month
- Minimum income: AED 5,000 / month (Minimum salary AED 5,000)
- Verified benefits: Airport lounge, Cashback, Rewards points, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant
Your gateway to enjoy various benefits, privileges and rewards. Earn points with every transaction, and redeem your Smiles for anything from airline tickets and hotel stays, to cashback and gift vouchers. Choose exceptional rewards!
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 — check the issuer's licence on the Central Bank of the UAE (CBUAE) public register before you apply
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 the 15 products in this guide above.
What credit score do I need for a credit card in UAE?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. Of the 15 products in this guide, 15 publish a minimum income requirement — the lowest is AED 5,000 a month (Lulu 24/7 Titanium Credit Card, Emirates NBD). The other 0 do not publish one on their 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?
Retail banking in United Arab Emirates is supervised by Central Bank of the UAE (CBUAE). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
What annual fee do credit cards in UAE charge?
Of the 162 credit cards Buzdy lists for United Arab Emirates, 62 publish an annual fee amount, from AED 99 to AED 2,625 with a median of AED 731 (figures shown in AED; a few are quoted in other currencies on their own pages). 39 are published as free and 61 do not publish a figure at all. Fees differ by bank and tier and change over time, so check the product page for its exact 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, 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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