Best premium credit cards in the UAE
Our top premium picks are Citi Prestige for points you can move to 11 airline and hotel partners, Mashreq Solitaire for 6 points per AED on international spend and one of the widest sets of benefits, and HSBC Skywards Infinite for Emirates flyers. Every card here costs AED 1,500 or more a year, so the rewards you use need to beat the fee.
Our top picks
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1
Citibank UAE
Citi Prestige Credit Card
3 ThankYou Points per USD abroad and 2 at home, transferable to 11 airline and hotel partners. AED 1,575 a year; needs a AED 30,000 salary.
Fee: AED 1,575Salary: AED 30,000
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2
Mashreq
Mashreq Solitaire Credit Card
6 Vantage points per AED on international spend and 4 on travel, with lounges, valet, golf, cinema, airport transfers and gym access. AED 1,575 a year; AED 25,000 salary.
Fee: AED 1,575Salary: AED 25,000
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3
HSBC UAE
HSBC Emirates Skywards Infinite Credit Card
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; AED 30,000 salary.
Fee: AED 2,625Salary: AED 30,000
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4
First Abu Dhabi Bank
Etihad Guest Infinite Credit Card
Up to 220,000 Etihad Guest welcome Miles: 110,000 on activation and 110,000 more when you spend AED 120,000 in 90 days. AED 2,625 a year; AED 30,000 salary.
Fee: AED 2,625Salary: AED 30,000
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5
Standard Chartered UAE
Standard Chartered Journey Credit Card
4 points per USD spent abroad, with lounges, airport transfers, golf and gym access. The AED 1,500 fee is waived in year one if you spend AED 10,000 in 60 days.
Fee: AED 1,500Salary: AED 30,000
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6
Emirates NBD
Voyager World Elite Credit Card
First year free, then AED 1,575, with 12% back on the Voyager travel portal and 6% on other flight and hotel bookings.
Fee: AED 1,575 from yr 2Salary: AED 25,000
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 33 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 · 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%match
Emirates 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%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%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%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%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%matchEmirates NBD
Visa Infinite Credit Card
Up to 2 Plus Points per AED 100
- Annual fee
- AED 1,575
- Min. salary
- AED 30,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Golf
- Valet parking
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0%match
First 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%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
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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%match
Mashreq
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
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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
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0%match
Citibank 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
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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
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0%matchIslamicDubai Islamic Bank · Emirates Skywards
Emirates Skywards DIB Signature Covered Card
1.5 Skywards Miles per USD with Emirates
- Annual fee
- AED 1,500
- Min. salary
- AED 15,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus15,000 Skywards Miles (activate the card); 15,000 Skywards Miles (balance transfer of AED 30,000+ kept for 6 months).
- Airport lounges
- Airport transfers
- Valet parking
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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
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0%matchIslamicAbu Dhabi Islamic Bank · Etihad Guest
Etihad Guest Visa Platinum Covered Card
Etihad Guest Miles on all spend
- Annual fee
- AED 2,000
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus50,000 Etihad Guest Miles (welcome bonus on the card).
- Airport lounges
- Valet parking
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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
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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
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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
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0%match
Standard 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
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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%matchInvestBank
InvestBank World Mastercard
Flat 3% cashback on spends
- Annual fee
- AED 1,500
- Min. salary
- AED 25,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Airport transfers
No cards fit those filters yet.
Compare up to 4
Questions people ask
Is a premium credit card worth the annual fee?
Only if you use what it offers. Add up the rewards and benefits you would really use in a year, such as miles, lounge visits and valet, and compare that with the fee. Some premium cards waive the fee if you spend enough; each card page shows the waiver the bank publishes.
What salary do I need for a premium credit card in the UAE?
Of the 33 premium cards here, 22 publish a minimum salary, ranging from AED 15,000 to AED 50,000 a month. The most common requirement is AED 30,000.