Best credit cards for expats and new residents in the UAE
Our top picks for expats are RAKBANK Red for a free card with one free international money transfer a month, Citi Cash Back for 3% back on foreign currency spend, and Emirates NBD dnata World or ADCB Traveller to avoid the foreign transaction fee altogether. Every card on this page is open to expats who meet the bank's salary rule.
Our top picks
-
1
RAKBANK
RAKBANK Red Cashback Credit Card
Free for life with up to 1.5% cashback in the UAE and abroad (max AED 300 a month) and one free international money transfer a month, on a AED 5,000 salary. Cashback needs a minimum spend each statement that RAKBANK doesn't publish.
Fee: Free for lifeSalary: AED 5,000
-
2
Citibank UAE
Citi Cash Back Credit Card
3% back on foreign currency spend, 2% on groceries and 1% on everything else, with no minimum spend or caps. Needs a AED 8,000 salary.
Fee: AED 315 from yr 2Salary: AED 8,000
-
3
Emirates NBD
dnata World Credit Card
No foreign transaction fee, 1.5% back on general spend, 15% at dnata Travel and 10% on duty free. Needs a AED 20,000 salary.
Fee: AED 1,048.95Salary: AED 20,000
-
4
ADCB
Traveller Credit Card
No foreign transaction fee and 10% cashback on flights with any airline and on hotels, in months you spend AED 5,000 or more. Needs a AED 20,000 salary.
Fee: AED 1,575Salary: AED 20,000Top rate needs: AED 5k/mo
-
5
Mashreq
Mashreq Cashback Credit Card
Free for life with 5% on dining in the UAE and abroad and 1% on other foreign spend, on a AED 5,000 salary.
Fee: Free for lifeSalary: AED 5,000
-
6
ADCB
Essential Cashback Credit Card
Free for life with flat cashback on everything (1.25% in months you spend AED 5,000 or more), on a AED 5,000 salary.
Fee: Free for lifeSalary: AED 5,000Top rate needs: AED 1k/mo
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 62 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 Elevate Credit Card
10 Etihad Guest Miles per AED 10 on Etihad Airways
- Annual fee
- AED 1,575
- Min. salary
- AED 30,000
- Bonus needs
- AED 120k in 180 days
- Top rate needs
- No minimum
Welcome bonus40,000 Etihad Guest Miles (pay the joining fee); 60,000 Etihad Guest Miles when you spend AED 90,000 within 180 days; 100,000 Etihad Guest Miles when you spend AED 120,000 within 180 days.
- Airport lounges
- Valet parking
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0%matchEmirates NBD · Hotel points
Marriott Bonvoy World Elite Mastercard
6 Bonvoy points per USD at Marriott hotels
- Annual fee
- AED 1,575
- Min. salary
- AED 25,000
- Bonus needs
- AED 55.1k in 90 days
- Top rate needs
- No minimum
Welcome bonus100,000 Marriott Bonvoy points (activate the card and pay the joining fee); 100,000 Marriott Bonvoy points when you spend AED 55,088 within 90 days.
- Airport lounges
- Golf
- Cinema offers
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0%match
Emirates 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%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%matchFirst Abu Dhabi Bank · Etihad Guest
Etihad Guest Signature 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
- Cinema offers
- Golf
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0%matchIslamicFirst Abu Dhabi Bank · Etihad Guest
Etihad Guest Infinite Islamic 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 100k 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 100,000 within 90 days.
- Airport lounges
- 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 Elite Credit Card
Up to 20 FAB Rewards per AED on luxury spend
- Annual fee
- AED 1,260
- Min. salary
- AED 40,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Valet parking
- 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%matchIslamicFirst Abu Dhabi Bank
FAB Cashback Islamic Credit Card
5% on groceries, fuel and dining (max AED 300 a month for UAE nationals, AED 200 for expats)
- Annual fee
- AED 315
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
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0%matchFirst Abu Dhabi Bank
FAB GEMS World Credit Card
Save up to 3% on GEMS school fees
- Annual fee
- AED 418.95
- Min. salary
- AED 8,000
- 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%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
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0%match
ADCB
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 life
ADCB
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
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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%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
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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%matchHSBC 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 · Emirates Skywards
HSBC Emirates Skywards Signature Credit Card
1.75 Skywards Miles per USD on Emirates and flydubai
- Annual fee
- AED 1,050
- Min. salary
- AED 10,000
- Bonus needs
- AED 20k in 60 days
- Top rate needs
- No minimum
Welcome bonus10,000 Skywards Miles (pay the annual fee); 15,000 Skywards Miles + fast track to Silver when you spend AED 20,000 within 60 days.
- Airport lounges
- Cinema offers
-
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%matchCitibank UAE
Citi Rewards Credit Card
1.5 ThankYou Points per USD on groceries and 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
- Cinema offers
-
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%matchIslamicDubai Islamic Bank · Emirates Skywards
Emirates Skywards DIB Infinite Covered Card
2 Skywards Miles per USD with Emirates
- Annual fee
- AED 2,500
- Min. salary
- AED 20,000
- Bonus needs
- AED 73.5k in 120 days
- Top rate needs
- No minimum
Welcome bonus25,000 Skywards Miles (activate the card); 25,000 Skywards Miles (balance transfer of AED 50,000+ kept for 6 months); 25,000 Skywards Miles when you spend AED 73,450 within 120 days.
- Airport lounges
- Airport transfers
- Valet parking
-
0%matchIslamicDubai Islamic Bank
Prime Infinite Card
3 Wala'a rewards per AED on local spend
- Annual fee
- See bank
- Min. salary
- AED 20,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Valet parking
- Concierge
-
0%matchIslamicDubai Islamic Bank
Prime Signature Card
2.5 Wala'a rewards per AED on local spend
- Annual fee
- See bank
- Min. salary
- AED 15,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Valet parking
-
0%matchIslamicDubai Islamic Bank
Prime Platinum Card
2 Wala'a rewards per AED on local spend
- Annual fee
- See bank
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
-
0%matchIslamicDubai Islamic Bank
Prime Gold Card
0.6 Wala'a rewards per AED on local spend
- Annual fee
- See bank
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
-
0%matchIslamicFree for lifeDubai Islamic Bank
Prime Classic Card
0.5 Wala'a rewards per AED on local spend
- Annual fee
- Free for life
- 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 · Etihad Guest
Etihad Guest Visa Infinite Covered Card
3.5 Etihad Guest Miles per AED 4 with Etihad and on foreign currency spend
- Annual fee
- AED 3,000
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonusUp to 100,000 Etihad Guest Miles (See ADIB's offer terms (extra bonus campaign runs alongside)).
- Airport lounges
- Golf
- Valet parking
-
0%matchIslamicAbu Dhabi Islamic Bank · Emirates Skywards
Emirates Skywards Visa Infinite Card
3 Skywards Miles per AED 3.68 (USD 1) on Emirates and flydubai
- Annual fee
- AED 4,500
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus50,000 Skywards Miles (activate and make a first purchase within 30 days (bank says a spend threshold applies)).
- Airport lounges
- Valet parking
- Golf
-
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%matchIslamicAbu Dhabi Islamic Bank · Hotel points
Marriott Bonvoy ADIB Visa Infinite Card
8 Bonvoy points per USD at Marriott hotels
- Annual fee
- AED 2,500
- Min. salary
- Not published
- Bonus needs
- AED 55.1k in 90 days
- Top rate needs
- No minimum
Welcome bonus100,000 Marriott Bonvoy points (get the card and make a first purchase within 30 days); 100,000 Marriott Bonvoy points when you spend AED 55,088 within 90 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%matchIslamicEmirates Islamic · Emirates Skywards
Emirates Islamic Skywards Black Card
Up to 3.5 Skywards Miles per USD with Emirates
- Annual fee
- AED 2,100
- Min. salary
- Not published
- Bonus needs
- AED 18.4k in 365 days
- Top rate needs
- No minimum
Welcome bonusSkywards Gold for 12 months (with the fast-track fee) when you spend AED 18,362 within 365 days.
- Airport lounges
- Airport transfers
- Valet parking
-
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 Saqer Card
3 Etihad Guest Miles per USD with Etihad Airways
- Annual fee
- AED 943.95
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus30,000 Etihad Guest Miles (pay the annual fee).
- Airport lounges
- Airport transfers
- Valet parking
-
0%matchIslamicEmirates Islamic · Etihad Guest
Emirates Islamic Etihad Guest Ameera Card
3 Etihad Guest Miles per USD with Etihad Airways
- Annual fee
- AED 733.95
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus20,000 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 Flex Elite Covered Card
Up to 3.75 EI SmartMiles per AED on foreign currency spend
- Annual fee
- AED 735
- Min. salary
- Not published
- Bonus needs
- AED 20k in 60 days
- Top rate needs
- No minimum
Welcome bonus75,000 EI SmartMiles (AED 750) (pay the annual fee); 100,000 EI SmartMiles (AED 1,000) when you spend AED 20,000 within 60 days.
- Airport lounges
- Valet parking
- Golf
-
0%matchIslamicFree for lifeEmirates Islamic
Emirates Islamic Flex Card
Up to 2.25 EI SmartMiles per AED on foreign currency spend
- Annual fee
- Free for life
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus10,000 EI SmartMiles (on card approval).
- Cinema offers
-
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 life
RAKBANK
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%matchRAKBANK
RAKBANK World Cashback Credit Card
10% cashback on travel (max AED 400), supermarkets (max AED 300) and dining (max AED 300)
- Annual fee
- AED 997.5 from yr 2
- Min. salary
- AED 20,000
- Bonus needs
- No bonus
- Top rate needs
- AED 10k/mo
No welcome bonus right now
- Airport lounges
- Airport transfers
- Cinema offers
-
0%matchRAKBANK
RAKBANK Elevate Credit Card
Up to 4 RAKrewards per AED (up to 3.2% back) when redeemed on flights and hotels
- Annual fee
- See bank
- Min. salary
- AED 35,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonusUp to AED 1,000 in RAKrewards (See RAKBANK's terms).
- Airport lounges
- Airport transfers
- Cinema offers
-
0%matchCommercial Bank of Dubai
CBD Smiles Visa Platinum Credit Card
5 Smiles per AED on e& (Etisalat), the Smiles app and elGrocer (max 10,000 a month)
- Annual fee
- AED 208.95 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonusAED 200 off a hotel booking through Smiles Unravel (code arrives within 30 days of issue).
-
0%matchCommercial Bank of Dubai
CBD Smiles Visa Signature Credit Card
10 Smiles per AED on e& (Etisalat), the Smiles app and elGrocer (max 25,000 a month)
- Annual fee
- AED 525 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonusAED 200 off a hotel booking through Smiles Unravel (code arrives within 30 days of issue); 90 days of Smiles Unlimited free (automatic).
- Airport lounges
-
0%matchCommercial Bank of Dubai
CBD Visa Infinite Credit Card
Up to 3 CBD Rewards points per AED
- Annual fee
- AED 787.5 from yr 2
- Min. salary
- AED 15,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Golf
- 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
-
SIB SIB Smiles World0%matchIslamic
Sharjah Islamic Bank
SIB Smiles World Covered Card
3 Smiles per AED 2 spent abroad and 1.5 per AED 2 locally
- Annual fee
- AED 525
- Min. salary
- Not published
- Bonus needs
- AED 20k in 90 days
- Top rate needs
- No minimum
Welcome bonus50,000 bonus Smiles when you spend AED 20,000 within 90 days.
- Airport lounges
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0%matchFree for lifeNational Bank of Fujairah
NBF Visa Infinite Credit Card
Cashback you can use to pay your card balance (rate not published on the bank's page)
- Annual fee
- Free for life
- Min. salary
- AED 40,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Cinema offers
- Concierge
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0%matchIslamicAjman Bank
Ajman Bank LIFE World Cashback Covered Card
10% cashback on noon, Amazon and Careem (max AED 100)
- Annual fee
- AED 600
- Min. salary
- AED 10,000
- Bonus needs
- AED 10k in 60 days
- Top rate needs
- AED 5k/mo
Welcome bonusAED 1,000 cashback when you spend AED 10,000 within 60 days.
- Airport lounges
- Valet parking
- Airport transfers
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0%matchIslamicAjman Bank
Ajman Bank BRight Platinum Covered Card
Up to 2 BRight Rewards per AED 10 spent
- Annual fee
- AED 1,000
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus10,000 BRight Rewards upfront (on issue).
- Airport lounges
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0%matchIslamicAjman Bank
Ajman Bank BRight World Covered Card
Up to 3 BRight Rewards per AED 10 spent
- Annual fee
- AED 1,500
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus15,000 BRight Rewards upfront (on issue).
- Airport lounges
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0%matchAl Masraf
Al Masraf World Elite Mastercard
Al Masraf points you can convert to cashback (earn rate not published on the bank's page)
- Annual fee
- AED 750
- Min. salary
- AED 50,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Airport transfers
- Concierge
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Questions people ask
Can expats get a credit card in the UAE?
Yes. 170 of the 182 cards on MoneyVS are open to anyone who meets the bank's salary rule, including expats. 5 are for UAE nationals only, and a few are limited to private or priority banking clients.
What do I need to get a credit card as a new UAE resident?
You need to meet the bank's minimum monthly salary, which starts at AED 5,000. Banks also check your income, your employer and your credit history with the Al Etihad Credit Bureau, which will be short if you've just arrived. Other rules, like how long you must have worked in the UAE, aren't published on most card pages, so ask the bank before you apply.
Which UAE credit cards have no foreign transaction fee?
Among the cards we list: ENBD dnata World, FAB Travel, FAB Z, ADCB Traveller, RAKBANK Elevate, Ajman Bank BRight Platinum and Ajman Bank BRight World. Most other UAE cards add a fee when you pay in a foreign currency.