Best Credit Card In UAE

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+971

MINIMUM SALARY

AED 15,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Air Miles
  • Roadside Assistance
  • No Annual fee
  • Airport Transfers Facility
  • Choice of Reward Points
  • Chances to Win A mesmerizing Porsche Cayman

MINIMUM SALARY

AED 15,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Win a dream trip for two to New York, Seychelles, Maldives, London or Sydney
  • Grand Prize - A mesmerizing Porsche Cayman S
  • Win a luxury two-night stay at one of Abu Dhabi’s most exclusive resorts
  • Mall Vouchers up to AED 1,000
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Free Airport Transfers
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Car rental offers from Avis
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • Free VIP Diamond Lounge Access at Abu Dhabi airport
  • Complimentary access to over 25+ lounges in the Middle East, Levant & select locations globally for the cardholder
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Enjoy up to 2 valet parking services per month at selected locations
  • Upto 4 discounted tickets at VOX
  • Select a loyalty program of your choice - rewards, miles or cashback
  • Accident care plan
  • Talk for free
  • Emergency auto assistance
  • Balance Transfer

Reward Features

Choose from First Rewards, First Miles or First Cashback

Choice of loyalty program:


First Reward Point:

  • Earn 1 First Reward Point per AED on domestic spends.
  • Earn 2 First Reward Points on International Spends and Bonus First Rewards points shall be awarded for a minimum cumulative spend of AED 500 and maximum spend of AED 20,000 during a given month.
  • Earn 2 First Reward points for supermarket spends.


Cashback:

  • Earn up to 3% First Cashback on your domestic spend.
  • Earn up to 5% First Cashback on your international spend.


First Miles:

  • Earn up to 2 First Miles for every USD 1 spent on your international spend.
  • Earn up to 1 First Mile for every USD 1 spent on your domestic spend.

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
  • Roadside Assistance
  • Win a luxurious Audi Q5
  • No Annual Fee
  • Access to airport lounges across the Middle East
  • Win amazing travel adventures and shopping vouchers

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Win a trip for two – two winners semi-annually
  • Win a sizzling Audi Q5 – one winner every year
  • Win a luxury hotel staycation – five winners every quarter
  • Win shopping worth AED 1000 – 10 winners every month
  • Select a loyalty program of your choice - rewards or cashback
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • Unlimited access to airport lounges across the Middle East
  • Priceless Arabia Mastercard Offers
  • Accident care plan
  • Talk for Free
  • Shop Smart
  • Emergency auto assistance
  • Balance Transfer

Reward Features

Choose from First Rewards, First Miles or First Cashback

Earn 1 First Reward Point per AED on domestic spends.

Earn 2 First Reward Points on International Spends.

OR 

Earn up to 3% First Cashback on your domestic spends.

Earn up to 5% First Cashback on your international spends.

Cashback earnings will be capped at AED 1,000 per cycle.

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 8,000

RATE

2.08%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Airport Chauffeur Services
  • Travel Insurance
  • Air Miles
  • No annual fee
  • Enjoy 2 airport transfers every year
  • Exclusive offers and 5% cashback from Al-Futtaim showrooms
  • Enjoy access to airport lounges across the Middle East
  • 10% Cashback with Shop Smart

MINIMUM SALARY

AED 8,000

RATE

2.08%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn Al-Futtaim Stars on all purchases and redeem them for a range of travel benefits
  • Enjoy 0% EPP at Al-Futtaim showroom and storess
  • Complimentary 0% balance transfer for up to 12 months
  • 5% Cashback Rewards in the form of Al-Futtaim Stars for every AED 1 spent at Al-Futtaim showrooms and stores
  • Exclusive offers from Al-Futtaim showrooms and stores
  • Enjoy 2 airport transfers every year from just AED 40
  • Movie tickets from just AED 15 - at Cine Royal, Oscar Cinemas and Reel Cinemas
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Unlimited airport lounge access across select airports in the Middle East
  • Purchase protection cover
  • Global lost & stolen reporting service & emergency card replacement

Reward Features

Earn Al-Futtaim Star Rewards

  • Earn 5 Al-Futtaim Star Rewards for every AED spent at Al-Futtaim showrooms or stores.
  • Earn 1 Al-Futtaim Star Reward for all other spends.
  • Redeem Al-Futtaim Star Rewards for Etihad Guest Miles, Skyward Miles or for Cashback.
  • Convert Al Futtaim FAB stars to Skywards Miles, Etihad Miles or cash back.

Things To Be Aware Of

  • Some benefits require minimum spend

MINIMUM SALARY

AED 40,000

RATE

1.66%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • Premium card with no annual fee
  • Exclusive offers at Al-Futtaim stores
  • Premium luxury lifestyle & travel benefits
  • Earn 5x rewards for shopping at Al Futtaim Stores

MINIMUM SALARY

AED 40,000

RATE

1.66%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Exclusive Mastercard World Elite Concierge benefits
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Mastercard Priceless Cities offers
  • Luxury outlet shopping offers and benefits at Bicester outlet villages in Europe
  • Mastercard Buy 1 Get 1 free offers
  • MyUS Online shopping benefits and offers
  • 5% Cashback Rewards in the form of Al-Futtaim Stars for every AED 1 spent at Al-Futtaim showrooms and stores
  • Complimentary nights at select Marriott Bonvoy properties worldwide
  • Have your own personal travel advisor and access to the World Elite Air Programme
  • Enjoy 0% EPP at Al-Futtaim showrooms and stores
  • Car rental offers from Avis & Hertz including Hertz Gold Plus Rewards® President's Circle membership
  • Enjoy a 10% discount on any international roundtrip airfare from Cleartrip
  • Special offers including free nights at Oberoi Hotels & Resorts
  • Exclusive luxury hotel offers at select Soneva properties in Maldives and Thailand
  • Instant upgrade to DISCOVERY Black-level membership, a loyalty programme of Global Hotel Alliance
  • Complimentary upgrade to Gold status in Qatar Airways Privilege Club
  • 40% discount on travel visa related services
  • Curated benefits through Priceless Arabia Mastercard offers
  • Exclusive discounts on Airport Meet & Greet services
  • Upto 8 discounted tickets at VOX
  • Upgrades, savings & discounts on select airlines through the World Elite Air Programme
  • 8 complimentary airport pick up and drop off services per calendar year
  • Complimentary access to 900+ lounges globally for the cardholder PLUS a guest
  • Complimentary Travel Accident Insurance cover of up to US $500,000
  • Rental vehicle collision and Loss Damage waiver of up to US $50,000
  • Global lost & stolen reporting service & emergency card replacement

Reward Features

Earn Al-Futtaim Star Rewards

  • Earn 5 Al-Futtaim Stars for every 1 AED spent at Al-Futtaim’s stores, showrooms or schools.
  • 1 Al Futtaim Star for every 1AED spent elsewhere.
  • Redeem Al-Futtaim Star Rewards for Etihad Guest Miles, Skyward Miles or for Cashback.

Things To Be Aware Of

  • Some benefits require minimum spend of AED 2,000

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 315

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Exciting cashback joining offer this ramadan
  • 5% cashback on supermarket, fuel & Utilities
  • Upto 2 discounted tickets at VOX

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 315

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15% / Min AED105

Joining Offers

Apply for a new FAB Mastercard credit card and earn cashback ( AED 250 for expats and AE 750 for UAE Nationals) . One must have a spend of AED 1,000 in the first 30 days of issuance to qualify for this cashback joining offer. Plus, with FAB Mastercard Cashback Credit Card, you get an additional 5% cashback at the supermarket (including online supermarket shopping). This promotion is only valid until 31 May 2021.

  • To qualify for the cashback, you must spend AED 1,000 on retail (including spending on supplementary cards) in the first 30 days of issuance
  • Cashback is credited in the form of FAB Rewards that will be added to your FAB Rewards account. You can use FAB Rewards for cashback, vouchers, miles exchange, travel and much more – all through the FAB Mobile app
  • Available for all FAB credit cards except Al-Futtaim Platinum and World Elite Credit Cards

Key Features

  • Cashback on all domestic and International transactions
  • Free Supplementary Card
  • Joining offer cashback of AED 250 for expats and AE 750 for UAE Nationals. One must have a spend of AED 1,000 in the first 30 days of issuance to qualify for this cashback joining offer.
  • Upto 2 discounted tickets at VOX
  • Unlimited complimentary ariport lounge access at select GCC lounges for primary & supplementary card holders
  • Buy 1 Get 1 Free offers using the Mastercard app
  • Exclusive Avis rent a car benefits
  • Shop Smart
  • Luxury Serviced Apartments and Hotel Offers

Reward Features

Ramadan Cashback Welcome Bonus

Ramadan Offer: AED 250 Cashback for Expatriates within 30 days (valid upto 31-May-21)

Ramadan Offer: AED 750 Cashback for UAE Nationals within 30 days (valid upto 31-May-21)

 

Earn Cashback

  • 5% cashback on supermarket (including online), fuel and utilities.
  • 2% cashback on non-AED spends.
  • 1% cashback on all other retail spends, including online shopping

Things To Be Aware Of

  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 315

  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Contactless Tech
  • Excellent cashback rates on regular spends - upto 5%
  • Bonus cashback of AED 250 on just using the card
  • Extensive Mastercard travel benefits

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 315

Non AED Transaction Fee

3.65%

Cash Advance Fee

3.15 % / Min AED105

Joining Offers

Celebrate the month of giving. Apply for a new FAB Islamic MasterCard credit card, and get cashback of AED 250 when you spend AED 1,000 using your card within the first 30 days of its issuance.

Key Features

  • Earn high cashback rates on regular everyday spends - 5% on supermarket, fuel and utilities
  • Earn 1% on all retail spends and 2% on all non-AED spends
  • No minimum spend required and no cashback caps (upto credit limit)
  • Unlimited access to over 800 airport lounges in 450+ cities worldwide
  • Complimentary hotel nights with Marriot Bonvoy hotels
  • Buy 1 get 1 offers with Mastercard app
  • Extensive travel insurance features - inconvenience cover and medical cover upto USD 500,000
  • Exclusive Mastercard offers

Reward Features

Ramadan Cashback Welcome Bonus

Ramadan Offer: AED 250 Cashback for Expatriates within 30 days (valid upto 31-May-21)

  • 5% cashback on supermarket, fuel and utilities spending
  • 2% cashback on non-AED spending
  • 1% cashback on all other retail spending, including online shopping

No minimum spend requirements and no cashback cap either!

Things To Be Aware Of

  • Specific categories of spend are not allowed (alcohol etc.)

MINIMUM SALARY

AED 15,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • No annual fee
  • Great savings on du bill payments
  • Choice of different loyalty rewards types
  • Access to airport lounges across the Middle East

MINIMUM SALARY

AED 15,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • 10% discount on du postpaid and home services
  • 10% bonus credit on prepaid line recharges
  • 10% discount on your du smartphone Privilege Plan monthly data charges
  • Accelerated First Reward points on du transactions
  • Select a loyalty program of your choice - rewards, miles or cashback
  • Mastercard Priceless Cities offers
  • Mastercard Buy 1 Get 1 free offers
  • Enjoy an upto 30% discount on international roundtrip airfare & hotel bookings from Cleartrip
  • AVIS Car rental offers
  • Enjoy purchase protection of upto USD 5,000 per annum upto 90 days from the date of purchase
  • Careem chauffeur benefits - 20% off 3 rides every month
  • Talk for free
  • Tap & Go
  • Shop smart
  • Free access 6 times a year to VIP airport lounges worldwide
  • Free VIP Diamond Lounge Access at Abu Dhabi airport
  • Valet parking up to 5 times a month in Dubai & Abu Dhabi
  • Upto 4 discounted tickets at VOX
  • Balance Transfer

Reward Features

Choice of loyalty program:

First Reward Point:

  • Earn 1 First Reward Point per AED on domestic spends.
  • Earn 2 First Reward Points on International Spends.
  • Earn 2 First Reward points for supermarket transactions.

Cashback:

  • Earn up to 3% First Cashback on your domestic spend.
  • Earn up to 5% First Cashback on your international spend.

First Miles:

  • Earn up to 2 First Miles for every USD 1 spent on your international spend.
  • Earn up to 1 First Mile for every USD 1 spent on your domestic spend.

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • Roadside Assistance
  • No annual fee
  • Great savings on du bill payments
  • Choice of different loyalty rewards types
  • Access to airport lounges across the Middle East

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • 10% discount on du postpaid and home services
  • 10% discount on du Smart Phone Privilege Plan
  • 10% bonus credit on prepaid line recharges
  • 10% discount on du home services bill payments
  • Accelerated First Reward points on du transactions
  • Select a loyalty program of your choice - rewards or cashback
  • Reward redemption against your du bill payments
  • Tap & go
  • Talk for free
  • Unlimited access to airport lounges across the Middle East
  • VIP Diamond Lounge Access
  • Buy 1 get 1 free cinema offers (Cine Royal & Star Cinemas)
  • Balance Transfer

Reward Features

Choose from First Rewards or First Cashback

Earn 1 First Reward Point per AED on domestic spends.

Earn 2 First Reward Points on supermarket spends.

Earn 2 First Reward Points on International Spends (minimum cumulative spend of AED 500 and maximum spend of AED 20,000 during a given month).

To redeem choose from hundreds of rewards vouchers for jewellery, personal accessories, electronics and more.

OR 

Earn up to 3% First Cashback on your domestic spend.

Earn up to 5% First Cashback on your international spend.

Cashback earnings will be capped at AED 1,000 per cycle..

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 2,500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Chauffeur Services
  • Travel Insurance
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • 75% Etihad Guest Miles Discount Voucher
  • Fast Track Enrolment to Etihad Guest Gold Membership
  • Complimentary Inflight Wifi Vouchers
  • Optional Etihad Guest Miles Accelerator
  • 55,000 welcome Etihad Guest Miles

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 2,500

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Get a warm welcome with 55,000 Etihad Guest Miles bonus.


Key Features

  • Receive 55,000 Etihad Guest Miles as welcome bonus
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Double Etihad Guest Tier Miles
  • Complimentary Inflight Wifi Vouchers
  • Earn bonus Etihad Guest Miles of 55000 on a spend of AED 100000 in the first six months
  • 75% Miles Discount Voucher every year on reaching an annual spend of AED 200,000
  • Optional Miles Accelerator program
  • Fast track enrolment to Etihad Guest Gold membership
  • 6 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Complimentary access to 1000+ lounges globally for the cardholder PLUS a guest (via Loungekey)
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Exclusive 24/7 Concierge Service
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • 8% discount on hotel bookings made at Hotels.com
  • Shop Smart
  • Extended warranty
  • International medical and travel assistance
  • Home content insurance
  • Visa luxury hotel collection offers
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

  • Domestic transactions (AED): 4.5 Miles earned per AED 10
  • International transactions (non-AED): 6.0 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 9.0 Miles earned per AED 10
  • Balance transfer (from other bank credit cards): 2.5 Miles earned per AED 10

EARN ETIHAD TIER MILES:

All purchase (domestic or international): 2.5 Miles earned per AED 10

Things To Be Aware Of

  • Supplementary cards have annual fee of AED 250

MINIMUM SALARY

AED 15,000

RATE

3.50%

ANNUAL FEE

AED 1,500

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • 35,000 welcome Etihad Guest Miles
  • 50% Etihad Guest Miles discount voucher
  • Access to 1000+ airport lounges across the world
  • Fast track enrolment to Etihad Guest Silver Membership
  • Lifestyle & travel benefits

MINIMUM SALARY

AED 15,000

RATE

3.50%

ANNUAL FEE

AED 1,500

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Get a warm welcome with a 35,000 Etihad Guest Miles bonus.

Key Features

  • Receive 35,000 Etihad Guest Miles as welcome bonus for primary Card
  • Double Etihad Guest Miles for first 90 days when you use your card on recurring expenses such as groceries, utility bills or school fees
  • Double Etihad Guest Tier Miles
  • Earn Etihad Guest Miles on all your purchases
  • Visa luxury hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • 50% Miles Discount Voucher every year on reaching an annual spend of AED 150,000
  • Optional Miles Accelerator program
  • 10% discount on Etihad Airways holiday package
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Fast track enrolment to Etihad Guest Silver membership
  • Complimentary inflight wi-fi vouchers
  • 2 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Access to 1000+ airport lounges across the world, 8 times per annum
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Visa golf access - exclusive discounts on highly prestigious golf courses
  • Exclusive 24/7 Concierge Service
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Extended warranty & purchase protection on purchases made on the card
  • Shop Smart
  • International medical and travel assistance
  • Home content insurance
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

  • Domestic transactions (AED): 3.5 Miles earned per AED 10
  • International transactions (non-AED): 5.0 Miles earned per AED 10
  • Etihad or Etihad Airways partners: 7.0 Miles earned per AED 10
  • Balance transfer (from other bank credit cards): 2.5 Miles earned per AED 10
  • Etihad Tier Miles on all purchase transactions (domestic or international): 2.5 Miles earned per AED 10

Things To Be Aware Of

  • Supplementary cards have annual fee of AED 250

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Air Miles
  • No annual fee
  • Up to 4.25% fixed discount on advanced payment of GEMS fees
  • 10% Cashback with Shop Smart
  • Enjoy access to airport lounges across the Middle East
  • Enjoy special offers at restaurants, premium retail etc.

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Up to 4.25% discount on GEMS school tuition fee
  • Convert the school fees into 0% interest Easy Payment Plan for up to 12 months
  • 2 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Unlimited VIP airport lounge access in the Middle East
  • Movie tickets from just AED 15 - at Cine Royal, Oscar Cinemas and Reel Cinemas
  • Earn Star reward points on all spends - domestic & international
  • Special offers at numerous food & beverage outlets and family entertainment venues in UAE
  • Education protection coverage up to AED 500,000 per child
  • 10% Cashback with Shop Smart
  • Home content insurance

Reward Features

Earn Star Reward Points

  • Earn 1 Star for every AED 1 spent on Domestic purchases
  • Earn 1.75 Stars for every AED 1 spent on International purchases

Redeem your Stars for Etihad Guest Miles, Skywards Miles from Emirates, or to book tickets on any airline through Stars Travel Portal. 

 

Things To Be Aware Of

  • Your child/children must be enrolled in a GEMS school
  • Some benefits require minimum spend

MINIMUM SALARY

AED 10,000

RATE

750

ANNUAL FEE

AED 0

  • Purchase Protection
  • Contactless Tech
  • No annual fees
  • Earn rewards on all spends & redeem for cashback
  • High credit limits up to AED 100,000

MINIMUM SALARY

AED 10,000

RATE

750

ANNUAL FEE

AED 0

Non AED Transaction Fee

3.65%

Cash Advance Fee

0

Joining Offers

Ramadan Cashback Welcome Bonus

Ramadan Offer: AED 750 Cashback for UAE Nationals within 30 days (valid upto 31-May-21)

Ramadan Offer: AED 250 Cashback for Expats within 30 days (valid upto 31-May-21)

Key Features

  • High credit limit of up to AED 100,000
  • No annual fees
  • SMS message alerts
  • Purchase protection
  • Grace period up to 56 days
  • Unlimited free supplementary cards
  • Cash advance up to 100% of your credit card limit (for salary transfer customers)
  • An exclusive loyalty programme, earn 1.5 FAB Stars for every dirham spent and redeem them as cash back

Reward Features

Earn FAB Rewards:

  • 1.5 FAB Rewards per 1 AED spent domestically (AED spends)
  • 2 FAB Rewards per 1 AED equivalent spent internationally (non-AED spends) 
  • 1 FAB Reward per 1 AED spent on fuel, education, government services, charities, transport, rental, insurance and fast food 

Things To Be Aware Of

  • Specific categories of spend are not allowed (alcohol etc.)
  • Need to transfer salary to FAB

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Roadside Assistance
  • No Annual Fee
  • Spend and win premier Manchester City experiences
  • Choice of different loyalty rewards types
  • Access to airport lounges across the Middle East

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Win a trip to the Etihad Stadium to watch Manchester City in action
  • Witness one of the final matches in the UK
  • Win a chance to meet the Manchester City Team in the UK
  • Win official kids coaching lessons
  • Redeem loyalty points against MCFC merchandise
  • Win Mall Vouchers
  • Shop Smart
  • Choice of loyalty rewards - Rewards, Miles or Cashback
  • Complimentary access to 1000+ lounges globally for the cardholder Plus a guest (via Loungekey)
  • Airport Dining Discount Program with DragonPass
  • 24-hour personalised premium concierge service
  • Discounts with Agoda
  • Visa Luxury Hotel Collection
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • Valet parking up to 5 times a month in Dubai & Abu Dhabi
  • 10 tickets under Buy1 Get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at Vox
  • Jumeirah Hotel Stay Offers
  • YQ Meet & Greet Service discounts
  • AVIS Car Rental offers
  • Medical & Travel assistance
  • Global Customer Assistance Services
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Screen reader support enabled
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • Extended warranty
  • Balance Transfer

Reward Features

Choose from First Rewards, First Miles or First Cashback

Choice of loyalty program:

First Reward Point:

  • Earn 1 First Reward Point per AED on domestic spends.
  • Earn 2 First Reward Points on International Spends.
  • Earn 2 First Reward points for supermarket transactions.

Cashback:

  • Earn up to 3% First Cashback on your domestic spend.
  • Earn up to 5% First Cashback on your international spend.

First Miles:

  • Earn up to 2 First Miles for every USD 1 spent on your international spend.
  • Earn up to 1 First Mile for every USD 1 spent on your domestic spend.

Things To Be Aware Of

  • Cashback categories have maximum caps
  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 8,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Purchase Protection
  • Extended Warranty
  • Roadside Assistance
  • No Annual Fee
  • Choice of different loyalty rewards types
  • Free Cinema Tickets
  • Airport Transfers Facility

MINIMUM SALARY

AED 8,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Joining Offers

Earn up to AED 3,000 guaranteed cashback (T&Cs apply)  and get a chance to win a BMW.

Key Features

  • Free VIP Diamond Lounge Access at Abu Dhabi airport
  • 4 movie tickets per month for AED 15 with Reel Cinemas, Cine Royal and Oscar Cinema
  • 50% off cinema tickets at VOX Cinemas across UAE on Sundays (max of 10 free tickets per month)
  • Access to over 200 airport restaurant offers globally
  • Visa Luxury Hotel collection offers
  • 8% discount on hotel bookings made at Hotels.com
  • Free Airport Transfers
  • Extended warranty & purchase protection on purchases made on the card
  • 2-for-1 ENTERTAINER Offers with Visa Offers MENA mobile app
  • Accident care plan
  • 4 free months of Anghami Plus
  • Emergency auto assistance
  • Balance Transfer

Reward Features

  • Earn 1 Star for every AED 1 spent on domestic purchases. 
  • Earn 1.75 Stars for every AED 1 spent on international purchases.

First Reward Point:

  • Earn 1 First Reward Point per AED on domestic spends.
  • Earn 2 First Reward Points on International Spends and Bonus First Rewards points shall be awarded for a minimum cumulative spend of AED 500 and maximum spend of AED 20,000 during a given month.
  • Earn 2 First Reward points for supermarket transactions

Things To Be Aware Of

  • Some benefits require minimum spends per month

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Extensive travel benefits
  • Premium credit card with no annual fee
  • Premium luxury lifestyle benefits
  • Earn Star rewards on all spends

MINIMUM SALARY

AED 30,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn Star reward points on all spends - domestic & international
  • Exchange your Reward Stars for an array of exclusive travel and lifestyle treats
  • 24-hour personalised premium concierge service
  • Valet Parking Offers
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 8 discounted tickets at Vox
  • Unlimited complimentary airport lounge access at over 900 lounges worldwide for cardholder plus a guest
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE
  • 8 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Travel insurance cover upto $1,000,000 covering the cardholder & family for trips upto 90 days in duration
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • Fraudulent card misuse protection cover ($3,000 per occurrence with $5,000 annual aggregate limit)
  • 8% off bookings on hotels.com
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year
  • Screen reader support enabled
  • Visa Luxury Hotel Collection offers
  • Shop smart
  • YQ Meet & Greet Service
  • Extended warranty & purchase protection on purchases made on the card
  • Home contents insurance

Reward Features

  • Earn 1.25 Star for every AED 1 spent on domestic purchases.
  • Earn 2 Stars for every AED 1 spent on international purchases.

Redeem your Stars for Etihad Guest Miles, Skywards Miles from Emirates, or to book tickets on any airline through our Stars Travel portal.

Things To Be Aware Of

  • Some benefits require minimum spend

MINIMUM SALARY

AED 15,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Air Miles
  • Extensive lifestyle and travel benefits
  • Airport Transfers facility
  • No Annual fee

MINIMUM SALARY

AED 15,000

RATE

3.50%

ANNUAL FEE

AED 0

Non AED Transaction Fee

2.05%

Cash Advance Fee

3.15 % / Min 105

Key Features

  • Earn Star reward points on all spends - domestic & international
  • Enjoy up to 2 valet parking services per month at selected locations
  • 10 tickets under Buy1 get 1 at vox and 20% off at Roxy. Also avail 6 discounted tickets at VOX
  • 2 complimentary airport pick up and drop off services per calendar year
  • Complimentary airport meet and greet services at Abu Dhabi and Dubai airports
  • Customers can avail discounts from several Golf courses across the world with this card. There are 14 Clubs in the UAE.
  • Complimentary access to 1000+ lounges globally for the cardholder (via Loungekey)
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • 24 hour Visa Premium Concierge Service
  • DragonPass 'Dine & Fly' airport dining program
  • Agoda hotels & vacations discounts
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • 8% off bookings on hotels.com
  • Visa Luxury Hotel Collection offers
  • YQ Meet & Greet Service
  • Extended warranty & purchase protection on purchases made on the credit card
  • Shop Smart
  • Home contents insurance
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Reward Features

Domestic purchases: 1 Star for every AED 1 

Redeem your Stars for Etihad Guest Miles, Skywards Miles from Emirates, or to book tickets on any airline through Stars Travel portal. 

Things To Be Aware Of

  • Some benefits require min spend of AED 2,000 per month

First Abu Dhabi Bank

First Abu Dhabi Bank PJSC, formerly National Bank of Abu Dhabi PJSC, is a United Arab Emirates-based public joint stock company that is engaged in the banking sector. It is structured, along with its subsidiaries, into the following business segments:

Domestic Banking, comprised of the following divisions, namely consumer banking, business banking group and elite banking; International Banking, which manages the overseas banking network and credit derivative book.

Financial Markets segment, which operates through liquidity management and interest rate group, trading and investment group, institutional coverage and primary market, corporate coverage, and e-commerce group.

Corporate and Investment Banking segment, which provides corporate and investment clients with advice and solutions.

Global Wealth segment, comprised of private banking, asset management group, custody, and business development, among others, and the Islamic Business segment, which offers Islamic banking solutions.

Headquartered in Abu Dhabi, FAB bank’s international network spans five continents, providing the global relationships, expertise, and financial strength to support local, regional, and international businesses seeking to do business at home and abroad.

The bank delivers the best financial services that enable the customers to grow stronger. The objective is to treat your financial needs with priority, speed and always being transparent and secure.

Range of services offered by FAB –

  • Accounts
  • Credit Cards
  • Prepaid Cards
  • Loans
  • Mortgages
  • Bancassurance
  • Wealth Management Advisory

FAB Credit Cards

Known for their customer friendly products and features, First Abu Dhabi Bank is a leader in credit cards space in Dubai, UAE . They offer popular cards under Travel, Lifestyle and Cashback segments. They recently launched FAB Cashback credit cards  which has one of the best cash back proposition in the market.

Popular Cards from First Abu Dhabi Bank (FAB) Income Eligibility Annual Fee Interest / Profit Rate
FAB Abu Dhabi Platinum Card AED 15,000 AED 0 3.50%
FAB Abu Dhabi Titanium Card AED 5,000 AED 0 3.50%
FAB Al-Futtaim Platinum Credit Card AED 8,000 AED 0 2.08%
FAB Al-Futtaim World Elite Credit Card AED 40,000 AED 0 1.66%
FAB Cashback Credit Card AED 5,000 AED 315 3.50%
FAB Cashback Islamic Credit Card (for Expats) AED 30,000 AED 315 3.50%
FAB du Platinum Credit Card AED 15,000 AED 0 3.50%
FAB du Titanium Credit Card AED 5,000 AED 0 3.50%
FAB Etihad Guest Infinite Credit Card AED 30,000 AED 2,500 3.50%
FAB Etihad Guest Signature Credit Card AED 15,000 AED 1,500 3.50%
FAB GEMS Titanium Credit Card AED 5,000 AED 0 3.50%
FAB Islamic Titanium Credit Card AED 10,000 AED 0 750
FAB Manchester City FC Infinite Card AED 30,000 AED 0 3.50%
FAB Platinum Credit Card AED 8,000 AED 0 3.50%
FAB Visa Infinite Credit Card AED 30,000 AED 0 3.50%
FAB Visa Signature Credit Card AED 15,000 AED 0 3.50%

FAQs

FAB Cards starts with AED 5K minimum income to AED 30K on premium Credit Cards in UAE. There are 6 Credit cards offered to customers earning AED 5000.

One can apply for a First Abu Dhabi Bank credit card through

  • Visiting one of the bank’s branches and submitting required documents
  • Apply directly on the bank’s online application forms.
  • Banks Kiosks at various locations

Soulwallet offers detailed feature comparison and customized tools which assist customers in making a well-informed personal finance decision.

Soulwallet provides comprehensive and simple to use comparison tools which can help customers identify most suitable credit cards and personal finance options.  The level of detail in comparison is unique and rich in quality. Soulwallet’s smart algorithm-based Best fits credit card tool can show customers which cards can save maximum Dhirams based on their customized spend.

Soulwallet listing consists of all Best credit cards in Dubai, UAE offered by FAB. FAB currently offers cashback, travel, and lifestyle cards. FAB Cashback credit card offers 5% cashback on supermarket, fuel, and utilities, this is a popular credit card in the cashback segment.

FAB Credit Cards are loaded with features such as complimentary Cinema, Airport Lounge access, Airport Transfers, Valet offers, complimentary golf rounds, travel insurance, purchase protection, extended warranty and many more. One can do detailed comparisons of these features on Soulwallet. FAB’s Etihad co brand cards are quite popular in the travel segment.

Yes, FAB has a unique offering where in customers can choose from First Rewards, First Miles, or First Cashback. Reward ranges from 1 to 1.75 on domestic spend. FAB Signature, Elite and Infinite credit cards offer Star reward points where one can earn up to 2 stars for 1 AED domestic spend.

While there are quite a few credit cards with no annual fee, there are also premium credit cards which has an AMF of AED 2500.