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    Credit Cards in UAE

    Compare credit card options across cashback, travel, rewards, lifestyle and more. Review key fees, salary requirements and benefits before you apply.

    Explore credit cards

    Citi Cash Back Credit Card credit card
    Cashback
    Citi Cash Back Credit Card
    Enjoy automatic cash back on all purchases with Citi Cash Back Credit Card with no annual fee.
    Minimum salary
    AED 8,000
    Annual fee
    AED 300
    No Annual Membership Offer
    No AMF for year 1
    View offer conditions
    Key reward
    3% on non-AED spend
    View Details
    Citi Premier Credit Card credit card
    Travel & Rewards
    Citi Premier Credit Card
    Signup for Citi Premier Credit Card and enjoy flexible rewards & benefits.
    Minimum salary
    15,000
    Annual fee
    AED 750
    Welcome Offer
    AED 350 cash back welcome offer (statement credit)
    View offer conditions
    Key reward
    $1 = 3 points on dining, fuel & grocery spend (AED)
    View Details
    Citi Prestige Credit Card credit card
    Travel & Rewards
    Citi Prestige Credit Card
    Signup for the exclusive Citi Prestige® Card and enjoy a range of rewards & benefits.
    Minimum salary
    AED 25,000
    Annual fee
    AED 1,500
    Welcome Offer
    AED 500 cash back welcome offer (statement credit)
    View offer conditions
    Key reward
    $1 = 3 points on non-AED spend
    View Details
    Citi Ready Credit Card credit card
    Ready Credit / Cash Facility
    Citi Ready Credit Card
    Get an instant cash loan up to 6X your monthly salary or AED 175,000.
    Minimum salary
    AED 8,000
    Annual fee
    AED 300
    Introductory Rate
    Special rate of 15% p.a. for the 1st loan booked within 1 month
    View offer conditions
    Key reward
    Instant cash loan up to 100% of credit limit in your bank account anywhere in UAE
    View Details
    Citi Rewards Credit Card credit card
    Everyday Rewards
    Citi Rewards Credit Card
    Enjoy flexible rewards & benefits with Citi Rewards Credit Card with no annual fee.
    Minimum salary
    AED 8,000
    Annual fee
    AED 300
    No Annual Membership Offer
    No AMF for year 1
    View offer conditions
    Key reward
    $1 = 1.5 points on Grocery (AED)
    View Details
    Citi Ultima Credit Card credit card
    Travel & Rewards
    Citi Ultima Credit Card
    Signup for the New Citi Ultima to experience travel in luxury.
    Minimum salary
    AED 36,750
    Annual fee
    AED 3000
    Welcome Offer
    AED 1000 cash back welcome offer (statement credit)
    View offer conditions
    Key reward
    $1 = 5 Citi Miles on non-AED spend
    View Details

    Not sure which card fits you?

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    Guidance

    How to compare credit cards in the UAE

    Key factors to weigh when comparing cards. This is general information, not financial advice.

    Minimum salary requirements

    Each card states a minimum monthly income. Meeting it is a starting requirement, not a guarantee of approval — banks assess your full profile.

    Annual fees

    Review the first-year fee, renewal fee and any fee-waiver or minimum-spend conditions before choosing a card.

    Interest & finance charges

    If you carry a balance, profit or interest charges apply. Check the monthly rate and how it is calculated on your statement.

    Cashback, miles & rewards

    Compare which categories earn rewards, whether caps apply, and how cashback, miles or points can be redeemed.

    Lounge & travel benefits

    Travel cards may include airport lounge access, travel insurance and concierge services — with usage limits that vary by card.

    Foreign transaction fees

    Spending in another currency usually carries a foreign-transaction fee. Frequent travellers should compare these rates.

    Balance transfer offers

    A balance transfer can consolidate existing card debt at a lower introductory rate. Check the rate, fee and repayment period.

    Eligibility & approval criteria

    Approval depends on income, employment, existing obligations, credit history and each bank’s internal policies.

    Eligibility

    Understanding credit card eligibility in the UAE

    Eligibility can depend on several factors. Requirements and how they are weighed vary by bank and product.

    UAE residency
    Most cards require you to be a UAE resident with valid documents.
    Age
    Applicants usually need to be at least 21, though limits vary by bank.
    Monthly salary
    Income must meet the minimum stated for the card you choose.
    Employment status
    Salaried, self-employed and business owners may be assessed differently.
    Employer eligibility
    Some banks maintain approved-employer or company lists.
    Existing obligations
    Current loans and card balances affect your debt burden ratio.
    Credit history
    Your AECB credit report and repayment history are reviewed.
    Bank policies
    Each issuer applies its own internal risk and approval criteria.
    Learn

    Credit card guides and insights

    Practical FinShark guides on choosing, comparing and using credit cards in the UAE.

    FAQ

    Frequently asked questions

    Use the filters and sort options to narrow cards by salary requirement, annual fee, rewards type, network and category, then open a card’s details page to review the full terms before applying.