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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
    du Credit Card credit card
    Lifestyle
    du Credit Card
    Get 15% back on eligible du spending, 0% du payment plans and FAB Rewards with no annual fee.
    Minimum salary
    AED 5,000
    Annual fee
    No Annual Fees
    Welcome Offer
    15% back on eligible du spending
    View offer conditions
    Key reward
    Get 15% back in FAB Rewards on eligible purchases at du merchants after spending at least AED 2,500 in the previous calendar month.
    View Details
    FAB ADNOC Rewards Credit Card credit card
    Lifestyle
    FAB ADNOC Rewards Credit Card
    Get up to 15% back at ADNOC, plus rewards on Salik, DARB, Mawaqif, groceries and international spend.
    Minimum salary
    AED 5,000
    Annual fee
    AED 300
    Welcome Offer
    AED 300 welcome bonus
    View offer conditions
    Key reward
    150 ADNOC Rewards Points per AED 1 at eligible ADNOC service stations, equivalent to 15% value back, with a monthly cap of 150,000 Points.
    View Details
    FAB Cashback Credit Card credit card
    Cashback
    FAB Cashback Credit Card
    Get up to 5% cashback on dining, fashion and supermarkets, plus 3% on eligible international spending.
    Minimum salary
    AED 5,000+
    Annual fee
    AED 300
    Welcome Offer
    Up to AED 1,000 cashback every month
    View offer conditions
    Key reward
    5% cashback on eligible supermarket spending, credited as 17 FAB Rewards per AED 1, capped at AED 150 cashback per month.
    View Details
    FAB Elite Credit Card credit card
    Everyday Rewards
    FAB Elite Credit Card
    Earn premium FAB Rewards and enjoy beach clubs, dining, concierge, lounge access and travel benefits.
    Minimum salary
    AED 40,000
    Annual fee
    AED 1,200
    No Annual Membership Offer
    First year free
    View offer conditions
    Key reward
    Earn 20 FAB Rewards per AED 1 on eligible luxury-brand spending.
    View Details
    FAB GEMS World Credit Card credit card
    Lifestyle
    FAB GEMS World Credit Card
    Save on GEMS school fees and earn cashback on education, everyday and international spending.
    Minimum salary
    AED 8,000
    Annual fee
    399
    No Annual Membership Offer
    First year free
    View offer conditions
    Key reward
    Get 10% cashback on eligible school bus transport, canteen, uniform and extracurricular activity spending, credited as 33.5 FAB Rewards per AED 1.
    View Details
    FAB Rewards Active Credit Card credit card
    Everyday Rewards
    FAB Rewards Active Credit Card

    The FAB Rewards Active Credit Card combines everyday rewards with fitness-focused benefits, rewarding both your spending and daily activity.

    • Earn 25 FAB Rewards for every 1,000 eligible steps through STEPPI.
    • Earn 5 FAB Rewards per AED 1 on eligible sports spending.
    • Earn up to 2 FAB Rewards per AED 1 on other eligible domestic and international spend.
    • Get a free fitness payment ring linked to your credit card.
    • Access 25+ gyms and fitness classes through the complimentary ADV+ membership.
    • Get up to 20% off eligible online purchases at Sun & Sand Sports.
    • Enjoy selected lifestyle, entertainment and airport lounge benefits.
    • Redeem FAB Rewards for cashback, vouchers, dining, entertainment and airline miles.
    Minimum salary
    5,000
    Annual fee
    AED 300
    No Annual Membership Offer
    First year free
    View offer conditions
    Key reward
    25 FAB Rewards for every 1,000 eligible steps through STEPPI when you complete at least 6,000 steps in a day; step rewards are capped at 10,000 steps per day.
    View Details
    FAB Rewards Indulge Card credit card
    Lifestyle
    FAB Rewards Indulge Card
    Earn 5 FAB Rewards per AED 1 online, plus shopping, dining, entertainment and travel benefits with no annual fee.
    Minimum salary
    AED 5,000
    Annual fee
    No Annual Fees
    Welcome Offer
    20,000 bonus FAB Rewards every month
    View offer conditions
    Key reward
    Earn 5 FAB Rewards per AED 1 on eligible e-commerce transactions.
    View Details
    FAB Z Card credit card
    Everyday Rewards
    FAB Z Card
    Get streaming, gaming and lifestyle benefits with a 1.99% monthly finance rate and no annual fee in the first year.
    Minimum salary
    AED 5,000
    Annual fee
    AED 100
    No Annual Membership Offer
    First year free
    View offer conditions
    Key reward
    Earn 1 FAB Reward per AED 1 on eligible retail spending in the UAE and internationally.
    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.