Best free for life credit cards in the UAE
These cards have no annual fee, ever, according to the bank. Some cards are free only in the first year, so they aren't listed here.
Our top picks
-
1
Mashreq
Mashreq Cashback Credit Card
5% cashback on dining and no minimum spend.
Fee: Free for lifeSalary: AED 5,000
-
2
Emirates NBD
Voyager World Credit Card
Travel rewards and lounge access without a fee.
Fee: Free for lifeSalary: AED 12,000
-
3
Emirates NBD
Marriott Bonvoy World Mastercard
A Marriott Free Night Award every card anniversary.
Fee: Free for lifeSalary: AED 12,000
-
4
ADCB
Essential Cashback Credit Card
Flat cashback on everything, up to 1.25%.
Fee: Free for lifeSalary: AED 5,000Top rate needs: AED 1k/mo
-
5
Emirates Islamic
Emirates Islamic Barça Cashback Covered Card
4% cashback on supermarkets, dining, fuel and sports.
Fee: Free for lifeSalary: Not publishedTop rate needs: AED 1k/mo
Picks are chosen by the MoneyVS team from each bank's published terms. Banks can't pay for placement. How we choose.
All 44 cards
-
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
-
0%matchFree for life
Emirates 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
-
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%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
-
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%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
-
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%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
-
0%matchFree for lifeEmirates 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
-
0%matchFree for lifeEmirates NBD
Duo Credit Card
5% Plus Points on groceries, electronics, utilities, education and fuel
- Annual fee
- Free for life
- Min. salary
- AED 12,000
- Bonus needs
- No bonus
- Top rate needs
- AED 5k/mo
No welcome bonus right now
- Airport lounges
- Golf
- Cinema offers
-
0%matchFree for lifeEmirates NBD
Visa Flexi Credit Card
1.5 Plus Points per AED 100 on retail spend
- 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
- Cinema offers
-
0%matchFree for lifeEmirates NBD
Visa Platinum Credit Card
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
-
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
-
0%matchFree for lifeEmirates NBD
Mastercard Titanium Credit Card
Up to 1 Plus Point per AED 100
- 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 lifeEmirates NBD
Go4it Platinum Credit Card
5 Plus Points per AED 200 at weekends
- Annual fee
- Free for life
- Min. salary
- AED 12,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Cinema offers
-
0%matchFree for lifeEmirates NBD
Go4it Gold Credit Card
5 Plus Points per AED 400 at weekends
- 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 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
-
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
-
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
-
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%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%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%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
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 lifeADCB
TouchPoints Titanium & Gold Credit Card
Up to 0.5 TouchPoints per AED
- 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%matchIslamicFree for lifeADCB
Islamic TouchPoints Gold Card
Up to 0.5 TouchPoints per AED
- 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 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
-
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%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%matchFree for lifePriority / Premier clientsHSBC UAE
HSBC Premier Credit Card
1 Point per AED on all spend
- Annual fee
- Free for life
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus330,000 Points (worth up to AED 2,350) (use the card, add it to a mobile wallet, get a supplementary card and make a non-AED purchase).
- Airport lounges
- Cinema offers
-
0%matchFree for lifePriority / Premier clientsHSBC UAE
HSBC Advance Credit Card
1 Point per AED on all spend
- Annual fee
- Free for life
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Cinema offers
-
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%matchFree for lifeCitibank UAE
Citi Ready Credit Card
Credit limit up to 6x salary (max AED 175,000)
- Annual fee
- Free for life
- Min. salary
- AED 8,000
- 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%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 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 lifeUAE nationals onlyEmirates Islamic
Emirates Islamic Emarati Card
Up to 3.75 EI SmartMiles per AED on foreign currency spend
- Annual fee
- Free for life
- Min. salary
- Not published
- Bonus needs
- AED 15k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 1,000 cashback when you spend AED 15,000 within 60 days.
- Airport lounges
- Valet parking
- Cinema offers
-
0%matchIslamicFree for life
Emirates 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%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
No cards fit those filters yet.
Compare up to 4
Questions people ask
Are free for life credit cards really free?
There's no annual fee, but late payment, cash advance, foreign currency and profit or interest charges still apply. Pay your full balance each month to avoid them.
What salary do I need for a free credit card?
Several free for life cards accept a monthly salary of AED 5,000, including ADCB Essential Cashback, ADCB talabat and Emirates NBD noon One.