Free for life credit cards with airport lounge access
You don't need a premium card to use airport lounges. These cards have no annual fee and include lounge access, though most limit visits or ask for a minimum spend first.
Our top picks
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1
Emirates NBD
Voyager World Credit Card
Travel rewards, lounges and airport transfers with no fee.
Fee: Free for lifeSalary: AED 12,000
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2
Emirates NBD
Mastercard Platinum Credit Card
Lounges and golf on a simple no-fee card.
Fee: Free for lifeSalary: AED 12,000
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3
ADCB
talabat ADCB Credit Card
Lounge access plus 35% back on talabat orders.
Fee: Free for lifeSalary: AED 5,000
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4
ADCB
Essential Cashback Credit Card
Lounge access with flat cashback.
Fee: Free for lifeSalary: AED 5,000Top 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 20 cards
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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%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
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
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
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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
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0%matchFree for life
Emirates 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%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%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 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
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0%matchFree for life
ADCB
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
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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
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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
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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 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 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
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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
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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
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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
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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
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Questions people ask
Do free credit cards in the UAE include lounge access?
Some do. Lounge access on free cards usually comes with limits, like a set number of visits a year or a minimum monthly spend, so check the bank's terms.