Best Credit Cards in Dubai: A Comprehensive Guide to Top Choices
Dubai, known for its luxurious lifestyle and vibrant economy, offers a plethora of credit card options tailored to various preferences and lifestyles. Whether you’re a frequent traveler, a shopaholic, or someone seeking cashback rewards, the credit card landscape in Dubai has something for everyone. In this guide, we’ll explore the top credit card choices available in Dubai as of April 2023, highlighting their key features and benefits.
Comparison Table of Top Credit Cards in Dubai
Certainly, here’s the revised comparison table without the line breaks:
| Credit Card | Key Benefits and Features | Minimum Salary Requirement |
|---|---|---|
| Mashreq Platinum Elite | – Airport lounge access, fitness club visits, limousine services, Salaam Points | Varies |
| CBD Yes | – 15% back on fuel, AED 250 welcome bonus, cinema discounts, Free for-life card | Varies |
| FAB Infinite | – Valet parking, Discounted movie tickets, Golf discounts, Airport transfers, Meet & greet services, Lounge access | Varies |
| Citi Cashback | – Automatic cashback on purchases, 3% on non-AED spend, 2% on groceries, 1% on other spend, No annual fee in year 1 | AED 8,000 |
| EIB | – Cashback on fuel, Lounge access, Golf rounds, Welcome bonus | AED 5,000 |
| Citi Simplicity | – No annual fee, Easy balance transfer, Dining & entertainment discounts | AED 5,000 |
| ADIB Cashback | – 1% cashback on all spends, SMS alerts, Airport lounge access, Roadside assistance | AED 5,000 |
| Emirates NBD Lulu | – Up to 3.5% cashback, Lounge access, Golf rounds, Welcome bonus | AED 5,000 |
| HSBC Zero | – Zero interest on purchases for 3 months, Buy 1 Get 1 Free movie tickets, Discounts at restaurants and hotels | Varies |
| Standard Chartered Manhattan Platinum | – Discounts on coffee, Rewards points, Golf club discounts, Offers on travel, dining, entertainment | AED 5,000 |
| Emirates Islamic Cashback Plus | – Up to 10% cash back on supermarkets, education, dining, telecom, Mazaya Offers, Complimentary lounge access | Varies |
| Emirates NBD Webshopper | – Secure online shopping, 0% interest in online merchant portals, Easy EMI plans, Interest-free period | Varies |
| ADCB Traveller | – Discounts on travels, Complimentary 2-night stay, 20% off on flights and hotels, 0% processing fee for overseas use | Varies |
| CBD One | – Personalized design, Cashback offers, Cinema discounts, Airport lounge access, Insurances | Varies |
| HSBC Platinum Select | – Discounts on flights, dining, shopping, Buy 1 Get 1 Free movie tickets, Credit shield plus, HSBC mobile app | AED 10,000 |
| Sharjah Islamic Credit Card | – Cash back on various categories, Mazaya Offers, Lounge access, Concierge services | Varies |
| RAK Bank Credit Card | – 1.5% Cashback on all purchases, Easy EMIs, Valet parking, Zero annual fee | AED 5,000 |
| Emirates Ultima Credit Card | – Premium benefits, Skywards earn rate, Lounge access, Golf rounds, Exclusive offers | Varies |
| Dubai Islamic Platinum Credit Card | – Cashback on various categories, Department of Economic Development collaboration | Varies |
| ULTRACASH Mastercard Touch Card | – Up to 10% Cashback on selected categories, Touch Card for visually impaired, Easy EMIs | AED 10,000 |
1. Mashreq Platinum Elite Credit Card: Best for Airport Lounge Access
The Mashreq Platinum Elite Credit Card takes the spotlight as the go-to choice for those seeking exclusive airport lounge access. Apart from its prestigious perks, cardholders enjoy 8 complimentary visits per billing cycle to Fitness First*, making it an ideal pick for fitness enthusiasts.
2. CBD Yes Credit Card: Best Fuel Credit Card in UAE
The Commercial Bank of Dubai Yes Rewards Credit Card stands out as the ultimate fuel credit card option. With savings of up to 15% on fuel purchases, a AED 250 welcome bonus, and no annual fee, this card offers fantastic rewards for motorists.
3. FAB Infinite Credit Card: Best for Spend and Win Offers
The FAB Infinite Credit Card is your ticket to a luxurious lifestyle, offering benefits like free valet parking services, discounted movie tickets, golf discounts, airport transfers, and more. With a focus on luxury experiences, this card is perfect for those who enjoy the finer things in life.
4. Citi Cashback Credit Card: Best Cash Back Credit Card Offer in UAE
For cashback enthusiasts, the Citi Cashback Credit Card takes the lead. Offering automatic cashback on all purchases, this card provides up to 3% cashback on non-AED spend, 2% cashback on grocery/supermarket spend, and 1% cashback on all other spend, making it a rewarding choice for everyday transactions.
5. EIB Credit Card: Best Credit Card for Expo 2020 Visitors’
If you’re planning to attend Expo 2020, the EIB Credit Card – Limited Edition is designed with you in mind. With a range of benefits such as cashback on fuel spends, access to airport lounges, and complimentary golf rounds, this card ensures that your Expo experience is both convenient and enjoyable.
6. Citi Simplicity Credit Card: Best Free for Life Credit Card
The Citi Simplicity Credit Card lives up to its name by offering a hassle-free experience. With no annual fee, late payment fee, cash advance fee, or overlimit fee, this card provides simplicity and flexibility for those seeking a straightforward credit card option.
7. ADIB Cashback Credit Card: Best Islamic Cash Back Credit Card
For those who prefer Islamic banking, the ADIB Cashback Visa Platinum Card offers 1% cashback on all spends, along with features like SMS alerts, airport lounge access, and additional facilities such as roadside assistance and valet parking services.
8. Emirates NBD Lulu Credit Card: Best Credit Card in UAE for Retail Spends at Lulu
The Emirates NBD Lulu Credit Card is tailored for retail enthusiasts, offering up to 3.5% back as LuLu Points on daily spends. With attractive rewards on in-store and online spends, fuel purchases, utility bill payments, and more, this card is a must-have for frequent shoppers.
9. HSBC Zero Credit Card: Best Balance Transfer Credit Card
HSBC Zero Credit Card stands out for its balance transfer offers, allowing you to transfer outstanding balances from other credit cards at a low interest rate of 0.99% for 6 months. With a range of discounts and benefits, this card is designed to help you manage your finances effectively.
10. Standard Chartered Manhattan Platinum: Best Shopping Credit Card
The Standard Chartered Manhattan Platinum Card offers a range of benefits for shoppers, including discounts on dining, entertainment, travel bookings, and more. With its rewards program and additional features, this card is a great choice for those who love to indulge in shopping experiences.
11. Emirates Islamic Cashback Plus Credit Card: Best Cash Back Credit Card
The Emirates Islamic Cashback Plus Credit Card is designed for those who want to maximize their cashback rewards. With up to 10% cashback on categories like supermarkets, education, dining, and telecom, this card offers substantial savings on various expenses.
12. Emirates NBD Webshopper Credit Card: Best Credit Card for Online Shopping
Online shoppers will appreciate the Emirates NBD Webshopper Credit Card’s focus on security and benefits. With features like 0% interest in online merchant portals, easy EMI plans, and rewards for spending, this card enhances your online shopping experience.
13. ADCB Traveller Credit Card: Best Travel Credit Card
The ADCB Traveller Credit Card is a must-have for travel enthusiasts. Offering discounts on flights, hotels, and luxurious experiences, this card ensures that your travels are both affordable and enjoyable.
14. CBD One Credit Card: Best Personalized Credit Card – ‘Powered by You’
The CBD One Credit Card provides a unique experience by allowing you to choose your credit card design and monthly flexible plan. With a range of benefits including cashback, cinema discounts, airport lounge access, and more, this card puts you in control.
15. HSBC Platinum Select Credit Card: Best Credit Card in UAE for Lifestyle Rewards
HSBC Platinum Select Credit Card offers a host of benefits, including discounts on British Airways fares, dining, and entertainment. With its exclusive privileges and rewards program, this card caters to those seeking a well-rounded lifestyle experience.
16. Sharjah Islamic Credit Card: Best Islamic Credit Card for Travel
The Sharjah Islamic Bank Credit Card – World Smiles Card provides valuable rewards for a variety of spending categories, along with exclusive privileges such as lounge access, concierge services, and discounts on travel and leisure activities.
17. RAK Bank Credit Card – RED: Best Free Credit Card in UAE for Cash Back
RAK Bank Credit Card – RED Card offers attractive cashback rewards on all purchases, making it a favorite among cashback enthusiasts. With a variety of benefits including easy EMI plans and free parking, this card is a versatile choice for everyday spending.
18. Emirates Ultima Credit Card: Best Premium Credit Card in UAE
The Emirates Ultima Credit Card by Citibank UAE is designed for premium customers, offering a range of benefits such as exclusive airport lounge access, premium rewards, and complimentary insurance coverage, making it an ideal choice for those seeking a luxurious lifestyle.
19. DIB Platinum Credit Card: Best Credit Card for Grocery Shopping
The Dubai Islamic Platinum Credit Card caters to grocery shopping, bills, fuel, and more, offering up to 4% cashback on various spending categories. With its focus on everyday expenses, this card provides significant savings for the practical consumer.
20. ULTRACASH Mastercard Touch Card by Ajman Bank: World’s First Mastercard Touch Credit Card
Ajman Bank introduces the world’s first Mastercard Touch Card, designed for accessibility. With up to 10% cashback on selected spending categories, easy balance transfers, and lounge access, this card is innovative and inclusive.
Conclusion
The credit card market in Dubai offers a diverse range of options to suit different lifestyles and preferences. Whether you’re a frequent traveler, a savvy shopper, or someone seeking cashback rewards, there’s a credit card tailored to your needs. As you explore these top credit card choices, consider your spending habits and preferences to find the perfect card that complements your lifestyle. Apply wisely and enjoy the benefits that come with the best credit cards Dubai has to offer.
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