Rewards and lifestyle credit cards in the UAE
Rewards cards earn bank points you can swap for vouchers, flights or statement credit, and often come with lounge, golf, valet and cinema perks. Point values vary a lot between banks, so compare what the points are worth, not just how many you earn.
Our top picks
-
1
Citibank UAE
Citi Premier Credit Card
Earns ThankYou Points on dining, fuel and groceries that you can transfer to 11 airline and hotel partners.
Fee: AED 787.5Salary: AED 15,000
-
2
Mashreq
Mashreq Platinum Plus Credit Card
10 Vantage points per AED on supermarkets, fuel and dining for a modest fee.
Fee: AED 313.95Salary: AED 5,000
-
3
Emirates NBD
Mastercard Platinum Credit Card
Free for life with lounge access and golf.
Fee: Free for lifeSalary: AED 12,000
-
4
Dubai Islamic Bank
DIB SHAMS Signature Covered Card
5% back on dining, flights and hotels, convertible to Etihad Guest Miles or Avios.
Fee: Free year 1Salary: Not published
Picks are chosen by the MoneyVS team from each bank's published terms. Banks can't pay for placement. How we choose.
All 47 cards
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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
-
0%matchPriority / Premier clientsEmirates NBD
Priority Banking Visa Infinite Credit Card
5% Plus Points on single purchases of AED 5,000 or more
- Annual fee
- AED 1,575 from yr 2
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Golf
- Valet parking
-
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
-
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 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
-
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%matchEmirates NBD
Diners Club Credit Card
5% Plus Points on duty free
- Annual fee
- AED 420
- Min. salary
- AED 12,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
-
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%matchEmirates NBD
Webshopper Credit Card
1 Plus Point per AED 200
- Annual fee
- AED 52.5
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
-
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
-
0%matchPrivate banking, by invitationFirst Abu Dhabi Bank
FAB World Elite Credit Card
Premium travel and lifestyle card for FAB Private Banking clients
- Annual fee
- See bank
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Valet parking
- Cinema offers
-
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%matchFirst Abu Dhabi Bank
FAB Rewards Active Credit Card
5 FAB Rewards per AED on sports, golf, gyms and sports apparel
- 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
-
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
-
0%matchIslamicUAE nationals onlyFirst Abu Dhabi Bank
FAB Emirati Islamic Credit Card
Up to 15 FAB Islamic Rewards per AED
- Annual fee
- AED 630
- Min. salary
- AED 15,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Valet parking
- Gym access
-
0%matchADCB
TouchPoints Infinite Credit Card
Up to 1.5 TouchPoints per AED
- Annual fee
- AED 1,050
- Min. salary
- AED 25,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonusAED 1,200 Expedia hotel voucher (2 nights) (pay the first-year annual fee).
- Airport lounges
- Golf
- Cinema offers
-
0%matchIslamicADCB
Islamic TouchPoints Infinite Card
Up to 1.5 TouchPoints per AED
- Annual fee
- AED 1,050
- Min. salary
- AED 25,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonusAED 1,200 Expedia hotel voucher (2 nights) (pay the first-year annual fee).
- Airport lounges
- Golf
- Cinema offers
-
0%matchADCB
TouchPoints Platinum Credit Card
Up to 1 TouchPoint per AED
- Annual fee
- AED 630 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Golf
- Cinema offers
-
0%matchIslamicADCB
Islamic TouchPoints Platinum Card
Up to 1 TouchPoint per AED
- Annual fee
- AED 630 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Golf
- Cinema offers
-
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%matchUAE nationals onlyADCB
Betaqti Credit Card
Up to 3 TouchPoints per AED
- Annual fee
- AED 2,100
- Min. salary
- AED 10,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus300,000 TouchPoints (about AED 1,500) (get the card).
- Airport lounges
- Cinema offers
- Gym access
-
0%match
Mashreq
Mashreq Platinum Plus Credit Card
10 Vantage points per AED on supermarkets, fuel and dining
- Annual fee
- AED 313.95
- Min. salary
- AED 5,000
- Bonus needs
- AED 5k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 750 (AED 200 if you already have a Mashreq card) when you spend AED 5,000 within 60 days.
- Airport lounges
- Cinema offers
-
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
-
0%matchPrivate banking, by invitationMashreq
Mashreq io Credit Card
5 Vantage points per AED on all purchases
- Annual fee
- See bank
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonusHotel stay worth up to AED 10,000 (book through the io concierge).
- Airport lounges
- Valet parking
- Concierge
-
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%matchPrivate banking, by invitationHSBC UAE
HSBC Private Bank Credit Card
Points on all spend, redeemable for flights, hotels or airline miles
- Annual fee
- See bank
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Golf
- Concierge
-
0%match
Citibank 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%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%matchIslamicDubai Islamic Bank
DIB SHAMS Infinite Covered Card
5% back on dining (max 20,000 Wala'a a month)
- Annual fee
- Free year 1
- Min. salary
- Not published
- Bonus needs
- AED 55.1k in 90 days
- Top rate needs
- No minimum
Welcome bonus200,000 Wala'a rewards (worth up to AED 1,000) when you spend AED 55,088 within 90 days; 20% back on Amazon, Noon, Talabat, Deliveroo for 3 months (automatic in the first 3 months).
- Airport lounges
- Airport transfers
- Valet parking
-
0%matchIslamic
Dubai Islamic Bank
DIB SHAMS Signature Covered Card
5% back on dining (max 10,000 Wala'a a month)
- Annual fee
- Free year 1
- Min. salary
- Not published
- Bonus needs
- AED 36.7k in 90 days
- Top rate needs
- No minimum
Welcome bonus100,000 Wala'a rewards (worth up to AED 500) when you spend AED 36,725 within 90 days; 20% back on Amazon, Noon, Talabat, Deliveroo for 3 months (automatic in the first 3 months).
- Airport lounges
- Airport transfers
- Valet parking
-
0%matchIslamicDubai Islamic Bank
DIB SHAMS Platinum Covered Card
5% back on dining (max 5,000 Wala'a a month)
- Annual fee
- Free year 1
- Min. salary
- Not published
- Bonus needs
- AED 18.4k in 90 days
- Top rate needs
- No minimum
Welcome bonus50,000 Wala'a rewards (worth up to AED 250) when you spend AED 18,362 within 90 days; 20% back on Amazon, Noon, Talabat, Deliveroo for 3 months (automatic in the first 3 months).
- Roadside assistance
-
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
Exceed Visa Platinum Covered Card
0.5 Exceed Rewards per AED 100 in the UAE
- Annual fee
- AED 199
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
-
0%matchIslamicAbu Dhabi Islamic Bank
Exceed Visa Covered Card
0.5 Exceed Rewards per AED 100 in the UAE
- Annual fee
- AED 99
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
-
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
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- 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 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
No cards fit those filters yet.
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Questions people ask
How much are credit card points worth in the UAE?
It depends on the bank. For example, ADCB says 200,000 TouchPoints is about AED 1,000, and DIB says 20,000 Wala'a rewards equal AED 100. MoneyVS shows the value where the bank publishes it.