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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.

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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%

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