CreditIQINTELLIGENCE
CreditIQIntelligence
Market:🇮🇳 India🇦🇪 UAE🇸🇬 Singapore (soon)
Zero affiliate bias · UAE edition

The honest credit card guide for UAE residents

16 cards across 8 UAE banks. Real annual value. Cashback in AED. Built for Indian expats and UAE residents who refuse to be misled by commission-driven recommendations.

Browse UAE cardsFind my perfect card →
16+
UAE cards
8
Banks
AED
Pricing

All UAE credit cards

Ranked by value — not by what banks pay us.

Super Premium — 3 cards
EN
ENBD · super premium

Emirates NBD Beyond

Top-tier UAE card — unlimited lounge access, golf, concierge

AED 1499/yr3% rewards
· Skywards Miles on every spend
· Unlimited lounge access
APR if balance carried39%
FA
FAB · super premium

FAB Infinite Credit Card

FAB's flagship — unlimited cashback, airport transfers

AED 1500/yr3% rewards
· Unlimited 3% cashback
· Airport transfer service
APR if balance carried36%
Ci
Citi · super premium

Citi Prestige UAE

Ultra premium — 4th night hotel free, unlimited lounge

AED 1500/yr3% rewards
· 4th night hotel free worldwide
· Unlimited Priority Pass
APR if balance carried37%
Premium — 6 cards
EN
ENBD · premium

Emirates Skywards Signature

Emirates frequent flyers — Skywards Miles on every dirham

AED 700/yr2% rewards
· 3x Skywards Miles on Emirates
· 2x on dining
APR if balance carried39%
FA
FAB · premium

FAB World Elite Mastercard

World Elite benefits with travel perks

AED 750/yr2% rewards
· World Elite Mastercard benefits
· Lounge access
APR if balance carried36%
Ma
Mashreq · premium

Mashreq Smiles World

Smiles loyalty points — free food and experiences in UAE

AED 500/yr2% rewards
· Smiles Points on all spends
· Free dining rewards
APR if balance carried40%
AD
ADCB · premium

ADCB Touchpoints Visa Infinite

ADCB touchpoints — redeemable for flights, shopping, cashback

AED 600/yr2% rewards
· Touchpoints on all spends
· Etihad partner
APR if balance carried37%
CB
CBD · premium

CBD Visa Infinite

High spenders — uncapped cashback, premium travel benefits

AED 800/yr2.5% rewards
· Uncapped 2.5% cashback
· Priority Pass unlimited
APR if balance carried38%
HS
HSBC · premium

HSBC UAE Premier Credit Card

HSBC Premier UAE customers — zero fee, global benefits

Zero fee2% rewards
· Zero fee for Premier customers
· Global lounge access
APR if balance carried36%
Mid-tier — 4 cards
EN
ENBD · mid

Emirates NBD Titanium

Everyday spending with zero annual fee

Zero fee1% rewards
· Zero annual fee
· Cashback on all spends
APR if balance carried39%
Ma
Mashreq · mid

Mashreq Cashback Card

Online shopping cashback — 5% on international spends

AED 250/yr2% rewards
· 5% on international online spends
· 2% on local spends
APR if balance carried40%
HS
HSBC · mid

HSBC Cashback Plus

UAE residents wanting simple cashback on all categories

AED 300/yr1.5% rewards
· Up to 10% on dining
· 1.5% on everything
APR if balance carried36%
SC
SC · mid

Standard Chartered Cashback+

Grocery and petrol cashback for UAE residents

AED 250/yr1% rewards
· Up to 5% on groceries
· Petrol cashback
APR if balance carried40%
Entry Level & Zero Fee — 3 cards
FA
FAB · entry

FAB Cashback Card

Best zero-fee cashback card in UAE — 2% on everything

Zero fee2% rewards
· 2% cashback on all spends
· Zero annual fee
APR if balance carried36%
AD
ADCB · entry

ADCB LuLu Platinum

LuLu Hypermarket shoppers — extra points in-store

Zero fee1% rewards
· Extra points at LuLu
· Zero annual fee
APR if balance carried37%
Ci
Citi · entry

Citi Cashback Card UAE

Zero fee cashback for everyday UAE spending

Zero fee1% rewards
· Zero annual fee
· Cashback on dining and fuel
APR if balance carried37%

Hold cards in India AND UAE?

3.5 million Indians live in UAE. CreditIQ is the only platform that helps you optimize points across both your Indian and UAE credit cards — combined, in one dashboard.

View my full portfolioBrowse India cards →