Best shopping and co-brand credit cards in the UAE
Co-brand cards pay their best rates at one retailer or group, like noon, Amazon, Carrefour, LuLu or IKEA. They are great if you already spend a lot there, and weak elsewhere.
Our top picks
-
1
Emirates NBD
noon One Visa Credit Card
Up to 20% back as noon credits across noon, noon Food and NowNow, free for life.
Fee: Free for lifeSalary: AED 5,000
-
2
Emirates Islamic
Emirates Islamic Amazon World Card
Up to 6% back on Amazon.ae for Prime members, free for life.
Fee: Free for lifeSalary: AED 15,000
-
3
Emirates NBD
SHARE Visa Signature Credit Card
6% back at Majid Al Futtaim (Carrefour, City Centres, VOX), free for life.
Fee: Free for lifeSalary: AED 12,000
-
4
ADCB
ADCB LuLu Platinum Credit Card
8% back as LuLu Points at LuLu with no minimum spend, free for life.
Fee: Free for lifeSalary: AED 8,000
-
5
First Abu Dhabi Bank
Blue FAB Signature Credit Card
7% back at Al-Futtaim brands like IKEA, M&S and ACE, free for life.
Fee: Free for lifeSalary: AED 15,000
Picks are chosen by the MoneyVS team from each bank's published terms. Banks can't pay for placement. How we choose.
All 42 cards
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0%matchEmirates NBD
U By Emaar Infinite Credit Card
7.5% back as Upoints at Emaar malls, hotels and restaurants
- Annual fee
- AED 1,575
- Min. salary
- AED 30,000
- Bonus needs
- AED 36.7k in 90 days
- Top rate needs
- No minimum
Welcome bonus15,000 Upoints (activate the card and pay the joining fee); 10,000 Upoints when you spend AED 36,725 within 90 days.
- Airport lounges
- Cinema offers
- Valet parking
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0%matchUAE nationals onlyEmirates NBD
U By Emaar Visa Infinite Emirati Credit Card
7.5% back as Upoints at Emaar malls, hotels and restaurants
- Annual fee
- AED 1,575 from yr 2
- Min. salary
- AED 30,000
- Bonus needs
- AED 36.7k in 90 days
- Top rate needs
- No minimum
Welcome bonus15% back on Emaar spend for 3 months (automatic for the first 3 months); 10,000 Upoints when you spend AED 36,725 within 90 days.
- Airport lounges
- Cinema offers
- Valet parking
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0%matchEmirates NBD
U By Emaar Signature Credit Card
6.25% back as Upoints at Emaar malls, hotels and restaurants
- Annual fee
- AED 262.5
- Min. salary
- AED 12,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Cinema offers
-
0%matchFree for lifeEmirates NBD
U By Emaar Family Credit Card
5% back as Upoints at Emaar malls, hotels and restaurants
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Cinema offers
-
0%matchEmirates NBD
Darna Visa Infinite Privilege Credit Card
10% back as Darna Points at Aldar destinations (Yas Mall, Yas Island, Saadiyat)
- Annual fee
- AED 2,625
- Min. salary
- AED 50,000
- Bonus needs
- AED 30k in 90 days
- Top rate needs
- No minimum
Welcome bonus15,000 Darna Points (AED 1,500) (pay the joining fee); 10,000 Darna Points (AED 1,000) when you spend AED 30,000 within 90 days.
- Airport lounges
- Golf
- Valet parking
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0%matchEmirates NBD
Darna Visa Infinite Credit Card
10% back as Darna Points at Aldar destinations (Yas Mall, Yas Island, Saadiyat)
- Annual fee
- AED 1,575
- Min. salary
- AED 30,000
- Bonus needs
- AED 20k in 90 days
- Top rate needs
- No minimum
Welcome bonus7,500 Darna Points (AED 750) (pay the joining fee); 7,500 Darna Points (AED 750) when you spend AED 20,000 within 90 days.
- Airport lounges
- Golf
- Valet parking
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0%matchFree for lifeEmirates NBD
Darna Visa Signature Credit Card
7.5% back as Darna Points at Aldar destinations
- Annual fee
- Free for life
- Min. salary
- AED 12,000
- Bonus needs
- AED 15k in 90 days
- Top rate needs
- No minimum
Welcome bonus3,000 Darna Points (AED 300) when you spend AED 15,000 within 90 days.
- Airport lounges
- Cinema offers
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0%matchFree for lifeEmirates NBD
Darna Select Visa Credit Card
6.25% back as Darna Points at Aldar destinations
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Cinema offers
-
0%matchPrivate banking, by invitationEmirates NBD
SHARE Visa Private Credit Card
10% back as SHARE Points at Majid Al Futtaim (malls, Carrefour, VOX)
- Annual fee
- AED 1,500
- Min. salary
- Not published
- Bonus needs
- AED 40k in 90 days
- Top rate needs
- No minimum
Welcome bonus10,000 SHARE Points (AED 1,000) when you spend AED 40,000 within 90 days; Joining fee refunded when you spend AED 40,000 within 90 days.
- Airport lounges
- Cinema offers
- Concierge
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0%matchEmirates NBD
SHARE Visa Infinite Credit Card
8% back as SHARE Points at Majid Al Futtaim (malls, Carrefour, VOX)
- Annual fee
- AED 1,500
- Min. salary
- AED 30,000
- Bonus needs
- AED 40k in 90 days
- Top rate needs
- No minimum
Welcome bonus10,000 SHARE Points (AED 1,000) when you spend AED 40,000 within 90 days; Joining fee refunded when you spend AED 40,000 within 90 days.
- Airport lounges
- Cinema offers
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0%matchFree for life
Emirates 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 lifeEmirates NBD
SHARE Visa Platinum Credit Card
4% back as SHARE Points at Majid Al Futtaim (malls, Carrefour, VOX)
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Cinema offers
-
0%matchEmirates NBD
LuLu 247 Platinum Credit Card
7% back as LuLu Points at LuLu in-store and online
- Annual fee
- AED 262.5
- Min. salary
- AED 12,000
- Bonus needs
- AED 8k in 60 days
- Top rate needs
- No minimum
Welcome bonus250 LuLu Points (pay the joining fee and make a first purchase); 250 LuLu Points when you spend AED 8,000 within 60 days.
- Airport lounges
- Cinema offers
- Valet parking
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0%matchFree for lifeEmirates NBD
LuLu 247 Titanium Credit Card
Up to 3.5% back as LuLu Points at LuLu
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus0% balance transfer, no processing fee (transfer a balance from another bank).
- 0% balance transfer
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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%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
du Credit Card
15% back in FAB Rewards on du bills, devices and plans
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- AED 2.5k/mo
No welcome bonus right now
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0%matchFirst Abu Dhabi Bank
FAB SHARE Infinite Credit Card
8% back in SHARE points at Mall of the Emirates, City Centres, Carrefour and VOX
- Annual fee
- AED 1,050
- Min. salary
- AED 25,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus10,000 SHARE points (AED 1,000) (activate the card).
- Airport lounges
- Cinema offers
-
0%matchFirst Abu Dhabi Bank
FAB SHARE Signature Credit Card
6% back in SHARE points at Mall of the Emirates, City Centres, Carrefour and VOX
- Annual fee
- AED 525
- Min. salary
- AED 10,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus5,000 SHARE points (AED 500) (activate the card).
- Cinema offers
-
0%matchFree for lifeFirst Abu Dhabi Bank
FAB SHARE Platinum Credit Card
4% back in SHARE points at Mall of the Emirates, City Centres, Carrefour and VOX
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Cinema offers
-
0%matchFree for lifeFirst Abu Dhabi Bank
Blue FAB Infinite Credit Card
9% back at Al-Futtaim retail brands (IKEA, M&S, ACE, Toys R Us)
- Annual fee
- Free for life
- Min. salary
- AED 40,000
- Bonus needs
- AED 36k in 90 days
- Top rate needs
- No minimum
Welcome bonusUp to AED 5,000 in Al-Futtaim FAB Rewards (UAE nationals only) when you spend AED 36,000 within 90 days.
- Airport lounges
- Cinema offers
- 0% balance transfer
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0%matchFree for life
First 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%matchFree for lifeFirst Abu Dhabi Bank
Blue FAB Platinum Credit Card
6% back at Al-Futtaim retail brands (IKEA, M&S, ACE, Toys R Us)
- Annual fee
- Free for life
- Min. salary
- AED 8,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Cinema offers
- 0% balance transfer
-
0%matchIslamicFirst Abu Dhabi Bank
Blue FAB Islamic Credit Card
10% back at Al-Futtaim retail brands
- Annual fee
- AED 315 from yr 2
- Min. salary
- AED 15,000
- Bonus needs
- AED 36k in 90 days
- Top rate needs
- No minimum
Welcome bonusUp to AED 5,000 in Al-Futtaim FAB Rewards (UAE nationals only) when you spend AED 36,000 within 90 days.
- Airport lounges
-
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%matchIslamicFree for lifeADCB
talabat ADCB Islamic 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%matchADCB
Shukran ADCB Credit Card
10% back as Shukrans at Centrepoint, Babyshop, Home Centre, Max, Emax and other Shukran brands
- Annual fee
- AED 262.5 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- AED 8k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 1,000 in Shukrans (AED 1,200 for UAE nationals, AED 200 if you already have an ADCB card) when you spend AED 8,000 within 60 days.
- Cinema offers
-
0%matchIslamicADCB
Shukran ADCB Islamic Card
10% back as Shukrans at Centrepoint, Babyshop, Home Centre, Max, Emax and other Shukran brands
- Annual fee
- AED 262.5 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- AED 8k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 1,000 in Shukrans (AED 1,200 for UAE nationals, AED 200 if you already have an ADCB card) when you spend AED 8,000 within 60 days.
- Cinema offers
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0%matchFree for life
ADCB
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
ADCB LuLu Titanium Credit Card
3.5% back as LuLu Points at LuLu
- 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
-
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%matchFree for lifeMashreq
Mashreq Aura Credit Card
Up to 8% back as Aura Points at Aura brands (H&M, Bath & Body Works, Shake Shack, Starbucks)
- Annual fee
- Free for life
- Min. salary
- Not published
- Bonus needs
- AED 5k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 500 in Aura Points (AED 100 if you already have a Mashreq card) when you spend AED 5,000 within 60 days.
- Airport lounges
-
0%matchMashreq
Mashreq Aura World Credit Card
Up to 10% back as Aura Points at Aura brands
- Annual fee
- AED 525
- Min. salary
- Not published
- Bonus needs
- AED 10k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 1,000 in Aura Points (AED 200 if you already have a Mashreq card) when you spend AED 10,000 within 60 days.
- Airport lounges
-
0%matchMashreq
Mashreq Aura World Elite Credit Card
Up to 12% back as Aura Points at Aura brands
- Annual fee
- AED 1,575
- Min. salary
- Not published
- Bonus needs
- AED 15k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 2,500 in Aura Points (AED 500 if you already have a Mashreq card) when you spend AED 15,000 within 60 days.
- Airport lounges
-
0%matchIslamicAbu Dhabi Islamic Bank
ADIB Aldar Visa Infinite Card
10% back in Darna Points at Aldar malls and hotels
- Annual fee
- AED 999
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus20,000 Darna Points (AED 1,000) (activate and make a first purchase within 30 days).
- Airport lounges
- Valet parking
- Golf
-
0%matchIslamicAbu Dhabi Islamic Bank
ADIB Aldar Visa Platinum Card
6% back in Darna Points at Aldar malls and hotels
- Annual fee
- AED 199
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus4,000 Darna Points (AED 200) (activate and make a first purchase within 30 days).
- Airport lounges
- Valet parking
-
0%matchIslamicAbu Dhabi Islamic Bank
ADIB SHARE Visa Infinite Card
6% back in SHARE Points at Carrefour and Majid Al Futtaim (12% for a limited time on new cards)
- Annual fee
- AED 999
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus10,000 SHARE Points (AED 1,000) (pay the first annual fee, activate and spend within 30 days).
- Airport lounges
- Valet parking
-
0%matchIslamicAbu Dhabi Islamic Bank
ADIB SHARE Visa Platinum Card
3% back in SHARE Points at Carrefour and Majid Al Futtaim (6% for a limited time on new cards)
- Annual fee
- AED 199
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus2,000 SHARE Points (AED 200) (pay the first annual fee, activate and spend within 30 days); 6% back at Majid Al Futtaim for the first 3 months (automatic).
- Valet parking
- Roadside assistance
-
0%matchIslamicAbu Dhabi Islamic Bank
ADIB Smiles Visa Signature Card
Smiles points on spend, redeemable for flights, hotels and dining
- Annual fee
- AED 1,199
- Min. salary
- AED 20,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus70,000 Smiles points + 90 days of Smiles Unlimited (sign up).
- Airport lounges
- Valet parking
-
0%matchIslamicFree for lifeAbu Dhabi Islamic Bank
ADIB Smiles Visa Classic Card
Smiles points on spend
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus5,000 Smiles points (sign up).
-
0%matchIslamicFree for life
Emirates 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%matchIslamicFree for lifeEmirates Islamic
Emirates Islamic Amazon Platinum Card
Up to 6% back on Amazon.ae (Prime)
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- 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.
- Cinema offers
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Questions people ask
Are co-brand cards worth it?
Only if you spend regularly with that retailer. Outside the brand, most co-brand cards earn 1% or less, so pair one with a general cashback card if you spend widely.