Best credit cards in the UAE
Our top picks are Citi Cash Back for simple cashback with no minimum spend or caps, Mashreq Cashback as the best free for life card, and ADCB 365 Cashback for high rates on dining, fuel and groceries. For travel, Emirates NBD Voyager World is the best free card and HSBC Skywards Infinite is our pick for Emirates flyers.
Our top picks
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1
Citibank UAE
Citi Cash Back Credit Card
Best for simple cashback: 3% on foreign currency spend, 2% on groceries and 1% on everything else, with no minimum spend and no caps. Free in year one, then AED 315 unless you spend AED 9,000 a year.
Fee: AED 315 from yr 2Salary: AED 8,000
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2
Mashreq
Mashreq Cashback Credit Card
Best free for life card: 5% on dining in the UAE and abroad and no minimum spend, on a AED 5,000 salary.
Fee: Free for lifeSalary: AED 5,000
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3
ADCB
365 Cashback Credit Card
Best for high everyday rates: 6% on dining, 5% on fuel and Salik and 3% on groceries, in months you spend AED 5,000 or more.
Fee: AED 383.25 from yr 2Salary: AED 5,000Top rate needs: AED 5k/mo
-
4
Emirates NBD
Voyager World Credit Card
Best free travel card: 6% back on the Voyager travel portal and 3% on other flight and hotel bookings, with no annual fee. Needs a AED 12,000 salary.
Fee: Free for lifeSalary: AED 12,000
-
5
HSBC UAE
HSBC Emirates Skywards Infinite Credit Card
Best for Emirates flyers: 2.75 Skywards Miles per USD on Emirates and flydubai, and Miles that don't expire while the card is open. AED 2,625 a year.
Fee: AED 2,625Salary: AED 30,000
-
6
Abu Dhabi Islamic Bank
Cashback Visa Covered Card
Best Islamic card: 4% back on groceries, fuel, school fees, dining and utilities for an AED 99 fee.
Fee: AED 99Salary: Not published
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7
Emirates NBD
noon One Visa Credit Card
Best for online shopping: up to 20% back as noon credits across noon, noon Food and NowNow, free for life.
Fee: Free for lifeSalary: AED 5,000
Picks are chosen by Joe Hickman, founder of MoneyVS, from each bank's published terms. Banks can't pay for placement. How we choose.
All 53 cards
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0%matchEmirates NBD · Emirates Skywards
Skywards Infinite Credit Card
2 Skywards Miles per USD on Emirates, flydubai, duty free, food delivery and ride apps
- Annual fee
- AED 1,575
- Min. salary
- AED 30,000
- Bonus needs
- AED 91.8k in 90 days
- Top rate needs
- No minimum
Welcome bonus35,000 Skywards Miles (pay the joining fee); 40,000 Skywards Miles when you spend AED 91,812 within 90 days; 25,000 Skywards Miles when you spend AED 27,544 within 365 days.
- Airport lounges
- Golf
- Cinema offers
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0%matchEmirates NBD · Emirates Skywards
Skywards Signature Credit Card
Up to 1.5 Skywards Miles per USD on international (non-EU) spend
- Annual fee
- AED 735
- Min. salary
- AED 12,000
- Bonus needs
- AED 36.7k in 90 days
- Top rate needs
- No minimum
Welcome bonus15,000 Skywards Miles (pay the joining fee); 15,000 Skywards Miles when you spend AED 36,725 within 90 days; 10,000 Skywards Miles when you spend AED 13,772 within 365 days.
- Airport lounges
- Golf
- Cinema offers
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0%matchEmirates NBD · Etihad Guest
Etihad Guest Visa Inspire Credit Card
7 Etihad Guest Miles per AED 10 on Etihad Airways
- Annual fee
- AED 735
- Min. salary
- AED 12,000
- Bonus needs
- AED 60k in 180 days
- Top rate needs
- No minimum
Welcome bonus20,000 Etihad Guest Miles (pay the joining fee); 40,000 Etihad Guest Miles when you spend AED 60,000 within 180 days.
- Airport lounges
- Valet parking
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0%matchEmirates NBD · Flexible travel points
Voyager World Elite Credit Card
12% back in Voyager Miles on the Voyager Travel Portal
- Annual fee
- AED 1,575 from yr 2
- Min. salary
- AED 25,000
- Bonus needs
- AED 70k in 90 days
- Top rate needs
- No minimum
Welcome bonus150,000 Voyager Miles (worth AED 1,500) when you spend AED 70,000 within 90 days.
- Airport lounges
- Airport transfers
- Golf
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0%matchFree for life
Emirates NBD · Flexible travel points
Voyager World Credit Card
6% back in Voyager Miles on the Voyager Travel Portal
- Annual fee
- Free for life
- Min. salary
- AED 12,000
- Bonus needs
- AED 35k in 90 days
- Top rate needs
- No minimum
Welcome bonus75,000 Voyager Miles (worth AED 750) when you spend AED 35,000 within 90 days.
- Airport lounges
- Airport transfers
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0%matchFree for lifeEmirates NBD · Hotel points
Marriott Bonvoy World Mastercard
3 Bonvoy points per USD at Marriott hotels
- Annual fee
- Free for life
- Min. salary
- AED 12,000
- Bonus needs
- AED 22k in 90 days
- Top rate needs
- No minimum
Welcome bonus2 Free Night Awards (35,000 points each) when you spend AED 22,035 within 90 days.
- Airport lounges
- Cinema offers
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0%matchEmirates NBD
dnata World Credit Card
15% back in dnata points at dnata Travel, Costa Coffee and City Sightseeing
- Annual fee
- AED 1,048.95
- Min. salary
- AED 20,000
- Bonus needs
- AED 25k in 90 days
- Top rate needs
- No minimum
Welcome bonus1,000 dnata points (pay the joining fee); 1,500 dnata points when you spend AED 25,000 within 90 days.
- Airport lounges
- Golf
- Valet parking
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0%matchFree for lifeEmirates NBD
SHARE Visa Signature Credit Card
6% back as SHARE Points at Majid Al Futtaim (malls, Carrefour, VOX)
- Annual fee
- Free for life
- Min. salary
- AED 12,000
- Bonus needs
- AED 25k in 90 days
- Top rate needs
- No minimum
Welcome bonus5,000 SHARE Points (AED 500) when you spend AED 25,000 within 90 days.
- Airport lounges
- Cinema offers
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0%matchFree for life
Emirates NBD
noon One Visa Credit Card
Up to 20% back as noon credits across noon, noon Food and NowNow
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- AED 5k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 500 when you spend AED 5,000 within 60 days; 1-year noon One membership (included).
- Cinema offers
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0%matchFree for lifeEmirates NBD
Mastercard Platinum Credit Card
Up to 1.5 Plus Points per AED 100
- Annual fee
- Free for life
- Min. salary
- AED 12,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Golf
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0%matchFirst Abu Dhabi Bank · Etihad Guest
Etihad Guest Infinite Credit Card
7 Etihad Guest Miles per AED 10 with Etihad and partners
- Annual fee
- AED 2,625
- Min. salary
- AED 30,000
- Bonus needs
- AED 120k in 90 days
- Top rate needs
- No minimum
Welcome bonus110,000 Etihad Guest Miles (activate the card (new cards, double-miles offer)); 110,000 bonus Etihad Guest Miles when you spend AED 120,000 within 90 days.
- Airport lounges
- Cinema offers
- Golf
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0%matchIslamicFirst Abu Dhabi Bank · Etihad Guest
Etihad Guest Signature Islamic Credit Card
5.5 Etihad Guest Miles per AED 10 with Etihad and partners
- Annual fee
- AED 1,575
- Min. salary
- AED 15,000
- Bonus needs
- AED 60k in 90 days
- Top rate needs
- No minimum
Welcome bonus70,000 Etihad Guest Miles (activate the card (new cards, double-miles offer)); 70,000 bonus Etihad Guest Miles when you spend AED 60,000 within 90 days.
- Airport lounges
- Golf
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0%matchFirst Abu Dhabi Bank
FAB Travel Credit Card
12% back in FAB Rewards on flights and hotels (max AED 1,800 a month)
- Annual fee
- AED 1,575
- Min. salary
- AED 20,000
- Bonus needs
- No spend needed
- Top rate needs
- AED 5k/mo
Welcome bonusFree return flight to 15+ destinations (pay the first annual fee).
- Airport lounges
- Cinema offers
- Concierge
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0%matchFirst Abu Dhabi Bank
FAB Cashback Credit Card
5% on fashion, dining and groceries
- Annual fee
- AED 315
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- AED 3k/mo
No welcome bonus right now
- Airport lounges
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0%matchFirst Abu Dhabi Bank
FAB ADNOC Rewards Credit Card
15% back at ADNOC stations including fuel (max AED 150 a month)
- Annual fee
- AED 315
- Min. salary
- AED 5,000
- Bonus needs
- No spend needed
- Top rate needs
- AED 3k/mo
Welcome bonus300,000 ADNOC points (AED 300) (sign up and pay the annual fee).
- Airport lounges
- Cinema offers
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0%matchFree for lifeFirst Abu Dhabi Bank
FAB Rewards Indulge Card
5 FAB Rewards per AED online
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Cinema offers
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0%matchFirst Abu Dhabi Bank
FAB Z Card
20% off Netflix, PlayStation, Xbox, YouTube, Spotify and Shahid
- Annual fee
- Free year 1
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Cinema offers
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0%matchFree for lifeFirst Abu Dhabi Bank
Blue FAB Signature Credit Card
7% back at Al-Futtaim retail brands (IKEA, M&S, ACE, Toys R Us)
- Annual fee
- Free for life
- Min. salary
- AED 15,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Cinema offers
- 0% balance transfer
-
0%match
ADCB
365 Cashback Credit Card
6% on dining, including online orders
- Annual fee
- AED 383.25 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- AED 5k in 45 days
- Top rate needs
- AED 5k/mo
Welcome bonusAED 365 cashback when you spend AED 5,000 within 45 days.
- Cinema offers
-
0%matchADCB
Traveller Credit Card
10% cashback on airline tickets (any airline)
- Annual fee
- AED 1,575
- Min. salary
- AED 20,000
- Bonus needs
- AED 15k in 60 days
- Top rate needs
- AED 5k/mo
Welcome bonusAED 2,000 Expedia hotel voucher when you spend AED 15,000 within 60 days.
- Airport lounges
- Golf
- Concierge
-
0%matchFree for lifeADCB
talabat ADCB Credit Card
35% back on your first 10 talabat orders a month (up to AED 35 an order)
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- AED 5k in 45 days
- Top rate needs
- No minimum
Welcome bonusAED 750 talabat credit (AED 200 if you already have an ADCB card) when you spend AED 5,000 within 45 days.
- Airport lounges
- Cinema offers
-
0%matchFree for lifeADCB
ADCB LuLu Platinum Credit Card
8% back as LuLu Points at LuLu, no minimum spend
- Annual fee
- Free for life
- Min. salary
- AED 8,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Cinema offers
-
0%matchFree for lifeADCB
Essential Cashback Credit Card
1.25% cashback in months you spend AED 5,000+
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No spend needed
- Top rate needs
- AED 1k/mo
Welcome bonusUp to AED 250 (Apply through select ADCB digital channels (see bank terms)).
- Airport lounges
- Cinema offers
-
0%matchFree for life
Mashreq
Mashreq Cashback Credit Card
5% on dining in the UAE and abroad
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- AED 5k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 500 (AED 100 if you already have a Mashreq card) when you spend AED 5,000 within 60 days.
- Cinema offers
-
0%matchFree for lifeMashreq
Mashreq noon Credit Card
5% back on noon, noon Food, noon Minutes, supermall, NowNow and Namshi
- Annual fee
- Free for life
- Min. salary
- Not published
- Bonus needs
- AED 5k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 500 (AED 100 if you already have a Mashreq card) when you spend AED 5,000 within 60 days.
- Cinema offers
-
0%matchMashreq
Mashreq Platinum Plus Credit Card
10 Vantage points per AED on supermarkets, fuel and dining
- Annual fee
- AED 313.95
- Min. salary
- AED 5,000
- Bonus needs
- AED 5k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 750 (AED 200 if you already have a Mashreq card) when you spend AED 5,000 within 60 days.
- Airport lounges
- Cinema offers
-
0%matchMashreq
Mashreq Solitaire Credit Card
6 Vantage points per AED on international spend
- Annual fee
- AED 1,575
- Min. salary
- AED 25,000
- Bonus needs
- AED 9k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 2,500 (AED 500 if you already have a Mashreq card) when you spend AED 9,000 within 60 days.
- Airport lounges
- Valet parking
- Golf
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0%match
HSBC UAE · Emirates Skywards
HSBC Emirates Skywards Infinite Credit Card
2.75 Skywards Miles per USD on Emirates and flydubai
- Annual fee
- AED 2,625
- Min. salary
- AED 30,000
- Bonus needs
- AED 50k in 60 days
- Top rate needs
- No minimum
Welcome bonus20,000 Skywards Miles (pay the annual fee); 30,000 Skywards Miles when you spend AED 50,000 within 60 days.
- Airport lounges
- Cinema offers
-
0%matchHSBC UAE
HSBC Live+ Credit Card
6% on dining (max AED 200 a statement)
- Annual fee
- AED 313.95 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- No spend needed
- Top rate needs
- AED 3k/mo
Welcome bonusUp to AED 600 cashback (get the card (new HSBC credit card customers only)); AED 100 cashback (first use in a mobile wallet); AED 100 cashback (get a supplementary card and use it).
- Airport lounges
- Cinema offers
- Golf
-
0%matchCitibank UAE · Flexible travel points
Citi Ultima Credit Card
5 Citi Miles per USD on non-AED spend
- Annual fee
- AED 3,150
- Min. salary
- Not published
- Bonus needs
- AED 25k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 1,500 statement credit when you spend AED 25,000 within 60 days.
- Airport lounges
- Golf
-
0%matchCitibank UAE
Citi Prestige Credit Card
3 ThankYou Points per USD on non-AED spend
- Annual fee
- AED 1,575
- Min. salary
- AED 30,000
- Bonus needs
- AED 15k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 1,000 statement credit when you spend AED 15,000 within 60 days.
- Airport lounges
- Golf
- Valet parking
-
0%matchCitibank UAE
Citi Premier Credit Card
3 ThankYou Points per USD on dining, fuel and groceries
- Annual fee
- AED 787.5
- Min. salary
- AED 15,000
- Bonus needs
- AED 10k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 750 statement credit when you spend AED 10,000 within 60 days.
- Airport lounges
- Cinema offers
- Golf
-
0%match
Citibank UAE
Citi Cash Back Credit Card
3% on non-AED spend
- Annual fee
- AED 315 from yr 2
- Min. salary
- AED 8,000
- Bonus needs
- AED 6k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 300 statement credit when you spend AED 6,000 within 60 days.
- Airport lounges
-
0%matchFree for lifeCitibank UAE
Citi Simplicity Credit Card
No fees of any kind
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
-
0%matchIslamicDubai Islamic Bank
DIB SHAMS Signature Covered Card
5% back on dining (max 10,000 Wala'a a month)
- Annual fee
- Free year 1
- Min. salary
- Not published
- Bonus needs
- AED 36.7k in 90 days
- Top rate needs
- No minimum
Welcome bonus100,000 Wala'a rewards (worth up to AED 500) when you spend AED 36,725 within 90 days; 20% back on Amazon, Noon, Talabat, Deliveroo for 3 months (automatic in the first 3 months).
- Airport lounges
- Airport transfers
- Valet parking
-
0%matchIslamicDubai Islamic Bank
Consumer Cashback Platinum Card
4% on supermarkets and school fees (max AED 300 a month each)
- Annual fee
- AED 261.45 from yr 2
- Min. salary
- AED 15,000
- Bonus needs
- No bonus
- Top rate needs
- AED 4k/mo
No welcome bonus right now
-
0%matchIslamic
Abu Dhabi Islamic Bank
Cashback Visa Covered Card
4% on supermarkets and groceries (max AED 300 a month)
- Annual fee
- AED 99
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Roadside assistance
-
0%matchIslamicAbu Dhabi Islamic Bank · Emirates Skywards
Emirates Skywards Visa Signature Card
2.5 Skywards Miles per USD on Emirates and flydubai
- Annual fee
- AED 1,500
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus25,000 Skywards Miles (activate and make a first purchase within 30 days (bank says a spend threshold applies)).
- Airport lounges
- Valet parking
- Golf
-
0%matchIslamicEmirates Islamic · Emirates Skywards
Emirates Islamic Skywards Infinite Card
Up to 2 Skywards Miles per USD with Emirates and flydubai
- Annual fee
- AED 2,100
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus20,000 Skywards Miles (pay the AED 2,100 fee).
- Airport lounges
- Valet parking
- Golf
-
0%matchIslamicEmirates Islamic · Etihad Guest
Emirates Islamic Etihad Guest Premium Card
3.5 Etihad Guest Miles per USD with Etihad Airways
- Annual fee
- AED 1,575
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus55,000 Etihad Guest Miles (pay the annual fee).
- Airport lounges
- Airport transfers
- Valet parking
-
0%matchIslamicEmirates Islamic · Etihad Guest
Emirates Islamic Etihad Guest Platinum Card
2 Etihad Guest Miles per USD with Etihad Airways
- Annual fee
- AED 208.95
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus5,000 Etihad Guest Miles (pay the annual fee).
- Cinema offers
-
0%matchIslamicEmirates Islamic
Emirates Islamic Switch Cashback Card
Lifestyle mode: 8% fuel (max AED 100), 4% supermarkets, dining and education (max AED 200 each)
- Annual fee
- AED 313.95 from yr 2
- Min. salary
- Not published
- Bonus needs
- AED 15k in 60 days
- Top rate needs
- AED 2.5k/mo
Welcome bonusAED 500 cashback when you spend AED 15,000 within 60 days.
- Airport lounges
- Valet parking
- Golf
-
0%matchIslamicEmirates Islamic
Emirates Islamic Cashback Plus Card
10% on supermarkets, school fees, dining and telecom at AED 17,500+ a month
- Annual fee
- AED 313.95 from yr 2
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- AED 3k/mo
No welcome bonus right now
- Airport lounges
- Valet parking
- Golf
-
0%matchIslamicFree for lifeEmirates Islamic
Emirates Islamic Barça Cashback Covered Card
4% on UAE supermarkets, dining, fuel and sports (max AED 100 each a month)
- Annual fee
- Free for life
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- AED 1k/mo
No welcome bonus right now
- Cinema offers
-
0%matchIslamicFree for lifeEmirates Islamic
Emirates Islamic RTA Card
10% on RTA transport (Nol, metro, bus) and fuel (max AED 75 each a month)
- Annual fee
- Free for life
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- AED 1k/mo
No welcome bonus right now
-
0%matchIslamicFree for lifeEmirates Islamic
Emirates Islamic Amazon World Card
Up to 6% back on Amazon.ae (Prime)
- Annual fee
- Free for life
- Min. salary
- AED 15,000
- Bonus needs
- AED 10k in 60 days
- Top rate needs
- No minimum
Welcome bonusUp to AED 250 in Amazon points (Prime members) when you spend AED 10,000 within 60 days; Up to AED 250 more (Prime members) when you spend AED 2,500 within 60 days.
- Airport lounges
- Valet parking
- Golf
-
0%matchFree for lifeRAKBANK
RAKBANK Red Cashback Credit Card
Up to 1.5% cashback on local and international spends
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
-
0%matchFree for lifeRAKBANK
RAKBANK Titanium Cashback Credit Card
5% cashback on supermarkets and dining (max AED 100 each a month)
- Annual fee
- Free for life
- Min. salary
- AED 8,000
- Bonus needs
- No bonus
- Top rate needs
- AED 2k/mo
No welcome bonus right now
- Airport lounges
- Cinema offers
-
0%matchCommercial Bank of Dubai
CBD Yes Rewards Credit Card
3% back at ENOC/EPPCO when you spend under AED 2,500 a month (max AED 75)
- Annual fee
- AED 199 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus20,000 Yes Rewards (worth AED 200) (use the card within 90 days of issue (new cards only)).
- Airport lounges
- Cinema offers
- Valet parking
-
0%matchStandard Chartered UAE
Standard Chartered Journey Credit Card
4 360° Rewards points per USD spent abroad, 2 per USD locally
- Annual fee
- AED 1,500
- Min. salary
- AED 30,000
- Bonus needs
- AED 10k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 1,000 cashback when you spend AED 10,000 within 60 days.
- Airport lounges
- Airport transfers
- Golf
-
0%matchIslamicSharjah Islamic Bank
SIB Cashback Covered Card
10% cashback on online spends and Apple Pay / Samsung Wallet (max AED 300 a month)
- Annual fee
- AED 199 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
-
0%matchInvestBank
InvestBank Platinum Mastercard
Flat 3% cashback on spends
- Annual fee
- AED 500 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
-
0%matchWio Bank
Wio Credit Mastercard World Card
2% cashback on all purchases
- Annual fee
- AED 0
- Min. salary
- AED 7,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
No cards fit those filters yet.
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Questions people ask
What is the best credit card in the UAE?
There isn't one best card for everyone. For most people, Citi Cash Back (simple cashback with no minimum spend or caps) or Mashreq Cashback (free for life, 5% on dining) is a strong place to start. Frequent travellers should look at Emirates NBD Voyager World (free for life) or HSBC Skywards Infinite (Emirates Skywards). The matcher on the MoneyVS homepage checks each card against your salary and monthly spend.
What is the best free credit card in the UAE?
Our pick is Mashreq Cashback: no annual fee, 5% on dining in the UAE and abroad, and no minimum spend. MoneyVS lists 54 free for life cards in total.
How does MoneyVS choose the best cards?
Picks are based only on each bank's published fees, salary rules, earn rates, caps and welcome bonus conditions, checked weekly. Banks can't pay to be listed or ranked. The full method is on the How we compare cards page.