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AboutBest credit cardsMy CardsOffersKredit PerksBanksLoyalty ProgramsCalculatorsAccountsPick me a cardChatGPT AppNew to the UAESecure CollectContact us

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

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Get notified about UAE latest credit card products

Get notified about UAE latest credit card products

Compare every  UAE credit card

Use Kredit's UAE credit card comparison to explore available products. Kredit currently lists 161 products from 25+ banks; compare credit cards in the UAE by salary, annual fee, bank and rewards, then open any card for full fees and benefits — or start from our shortlist of the best credit cards in the UAE.

Try asking

Best Credit CardsNo Annual FeeOnline ShoppingWelcome BonusCashbackRewards PointsHotelsTravelEmiratesFABENBDMashreqAED 5,000AED 10,000
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Kredit directory snapshot: 161 listed products · 25+ banks · Latest bank-data update Sep 2026

How to compare credit cards in the UAE

A useful comparison starts with eligibility and total cost, then measures rewards against the way you actually spend.

1

Check eligibility first

Compare the published minimum salary, residency and age requirements before rewards. Meeting them does not guarantee approval; the bank makes the final decision.

2

Add up the fees

Look beyond the annual fee. Check joining, foreign-currency, cash-advance and late-payment charges, plus any spend needed for a fee waiver.

3

Compare rewards after caps

Check which purchases earn the advertised rate, the monthly cap, minimum-spend rules and exclusions. Points and miles should be compared by usable value, not their headline count.

4

Value benefits you will use

Airport lounges, insurance, dining and cinema offers matter only when they fit your routine. Treat unused benefits as having no personal value.

5
AED 15,000
Noon
Amazon
Carrefour
LuLu Hypermarket
Grocery
Dining
Marriott
Cinema
Beginners
Fuel Cashback
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Liv Cashback+ Credit Card Design

LIV DIGITAL BANK BY EMIRATES NBD

Liv Cashback+ Credit Card

  • Salary: AED 15,000+
  • Annual Fee: AED 735
  • Up to 4% Cashback on all spends
  • Cashback or Skywards Miles
  • 3 VOX B1G1 offers + 25% off F&B from AED 40
ExploreLearn more about Liv Cashback+ Credit Card credit card benefits and features
DIB Emirates Skywards Signature Covered Card Design

DUBAI ISLAMIC BANK

DIB Emirates Skywards Signature Covered Card

  • Salary: AED 15,000+
  • Direct Skywards Miles
  • Annual fee: AED 735
ExploreLearn more about DIB Emirates Skywards Signature Covered Card credit card benefits and featuresApplyApply for DIB Emirates Skywards Signature Covered Card credit card
DIB Emirates Skywards Infinite Covered Card Design

DUBAI ISLAMIC BANK

DIB Emirates Skywards Infinite Covered Card

  • Salary: AED 20,000+
  • Direct Skywards Miles
  • Annual fee: AED 1,575
ExploreLearn more about DIB Emirates Skywards Infinite Covered Card credit card benefits and featuresApplyApply for DIB Emirates Skywards Infinite Covered Card credit card
Tamayaz World Credit Card Design

LIV DIGITAL BANK BY EMIRATES NBD

Tamayaz World Credit Card

  • Salary: AED 15,000+
  • Annual Fee: AED 735
  • Welcome Bonus: AED 1,000 equivalent
  • 10% cashback at Union Coop
  • 3% cashback on international spends
ExploreLearn more about Tamayaz World Credit Card credit card benefits and features
ENBD Marriott Bonvoy World Elite Design

EMIRATES NBD

ENBD Marriott Bonvoy World Elite

  • Salary: AED 25,000+
  • Annual Fee: AED 1,575
  • Welcome Bonus: Up to 200,000 Points
  • 6 points per USD 1 at Marriott hotels
  • Gold Elite Status with Marriott
ExploreLearn more about ENBD Marriott Bonvoy World Elite credit card benefits and featuresApplyApply for ENBD Marriott Bonvoy World Elite credit card
ENBD U By Emaar Signature Credit Card Design

EMIRATES NBD

ENBD U By Emaar Signature Credit Card

  • Min Salary: AED 12,000
  • Joining Fee: AED 525
  • Annual Fee: AED 262.50
  • 6.25% cashback on Emaar spends
  • U By Emaar Gold Status
ExploreLearn more about ENBD U By Emaar Signature Credit Card credit card benefits and featuresApplyApply for ENBD U By Emaar Signature Credit Card credit card
ENBD Visa Flexi Credit Card Design

EMIRATES NBD

ENBD Visa Flexi Credit Card

  • Min Salary: AED 12,000
  • AED 735 annual fee
  • Up to 1.5 points per AED 100
  • Lounge Access Included
  • 30% discount at 2,000+ restaurants
ExploreLearn more about ENBD Visa Flexi Credit Card credit card benefits and featuresApplyApply for ENBD Visa Flexi Credit Card credit card
ENBD U By Emaar Visa Infinite Emirati Credit Card Design

EMIRATES NBD

ENBD U By Emaar Visa Infinite Emirati Credit Card

  • Salary: AED 30,000+
  • Joining fee waived
  • UAE Nationals only
  • Up to 25,000 welcome UPoints
  • 7.5% value back at Emaar
ExploreLearn more about ENBD U By Emaar Visa Infinite Emirati Credit Card credit card benefits and featuresApplyApply for ENBD U By Emaar Visa Infinite Emirati Credit Card credit card
ENBD Etihad Guest Visa Elevate Credit Card Design

EMIRATES NBD

ENBD Etihad Guest Visa Elevate Credit Card

  • Salary: AED 30,000+
  • Joining Fee: AED 2,625
  • Annual Fee: AED 1,575
  • Welcome Offer: Up to 200,000 Miles
  • 10 Miles per AED 10 spend on Etihad
ExploreLearn more about ENBD Etihad Guest Visa Elevate Credit Card credit card benefits and featuresApplyApply for ENBD Etihad Guest Visa Elevate Credit Card credit card
Emirates Islamic Skywards Infinite Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Skywards Infinite Credit Card

  • Salary: AED 12,000+
  • No Annual Fee for the first year
  • Up to 2 Skywards Miles per USD spent
  • 2 complimentary airport lounge visits yearly, with a guest
  • Automatic Skywards Silver Membership Upgrade
ExploreLearn more about Emirates Islamic Skywards Infinite Credit Card credit card benefits and features
Emirates Islamic Barça Cashback Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Barça Cashback Credit Card

  • Salary: AED 5,000+
  • Free for Life — no annual fee
  • 4% on supermarket, dining, fuel & sports
  • 2% on international spends
  • Exclusive FC Barcelona experiences
ExploreLearn more about Emirates Islamic Barça Cashback Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Barça Cashback Credit Card credit card
CBD One Credit Card Design
LIMITED OFFER

CBD

CBD One Credit Card

  • Salary: AED 5,000+
  • Free for life
  • 2-for-1 offers with the ENTERTAINER
  • Up to AED 135/month cashback
  • 8 free airport lounge visits/year
ExploreLearn more about CBD One Credit Card credit card benefits and featuresApplyApply for CBD One Credit Card credit card
Rakbank Islamic Watani Credit Card Design
LIMITED OFFER

RAKBANK

Rakbank Islamic Watani Credit Card

  • Salary: AED 15,000+
  • No Annual Fee First Year
  • Exclusive for UAE nationals
  • 50,000 RAKrewards Bonus
  • 100% Cashback on Salik + DARB
ExploreLearn more about Rakbank Islamic Watani Credit Card credit card benefits and featuresApplyApply for Rakbank Islamic Watani Credit Card credit card
ADCB LuLu Titanium Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB LuLu Titanium Credit Card

  • Salary: AED 5,000+
  • No Annual Fee
  • 3.5 LuLu Points per AED 1 spent at LuLu stores
  • Up to 1 LuLu Points per AED 1 spent on all other spends
ExploreLearn more about ADCB LuLu Titanium Credit Card credit card benefits and featuresApplyApply for ADCB LuLu Titanium Credit Card credit card
ADCB TouchPoints Infinite Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB TouchPoints Infinite Credit Card

  • Salary: AED 25,000+
  • Annual Fee: AED 1,050
  • 15,000 Touchpoints for spends of AED 15,000
  • Welcome Bonus: AED 1,200 Expedia.ae Voucher
  • 20% off on talabat orders
ExploreLearn more about ADCB TouchPoints Infinite Credit Card credit card benefits and featuresApplyApply for ADCB TouchPoints Infinite Credit Card credit card
ADCB Islamic Emirati Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB Islamic Emirati Credit Card

  • Salary: AED 8,000+
  • Annual Fee: AED 945
  • Exclusive for UAE nationals
  • 7% cashback on 7 categories
  • 1% cashback on all other domestic and international spends
ExploreLearn more about ADCB Islamic Emirati Credit Card credit card benefits and features
ADCB Private World Elite Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB Private World Elite Credit Card

  • ADCB Private clients only
  • Exclusive to clients of ADCB Private
  • Annual Fee: AED 7,875
  • Up to 4 TouchPoints per AED spent
  • Low foreign currency transaction fee of 0.99%
ExploreLearn more about ADCB Private World Elite Credit Card credit card benefits and featuresApplyApply for ADCB Private World Elite Credit Card credit card
Ruya Mastercard Cashback Credit Card Design

RUYA COMMUNITY ISLAMIC BANK

Ruya Mastercard Cashback Credit Card

  • Salary: AED 5,000+
  • Waived Annual Fee for the first year
  • 2% cashback on eligible purchases (up to AED 500/month)
  • Fully digital onboarding
  • Shari’ah-compliant
ExploreLearn more about Ruya Mastercard Cashback Credit Card credit card benefits and featuresApplyApply for Ruya Mastercard Cashback Credit Card credit card
Aafaq Platinum Credit Card Design
LIMITED OFFER

AAFAQ ISLAMIC FINANCE

Aafaq Platinum Credit Card

  • Salary: AED 8,000+
  • Annual Fee: Free
  • Mastercard Platinum lounge & meet & greet
  • Balance Transfer, Finance on Phone & EPP
ExploreLearn more about Aafaq Platinum Credit Card credit card benefits and featuresApplyApply for Aafaq Platinum Credit Card credit card
HSBC Emirates Skywards Signature Credit Card Design
LIMITED OFFER

HSBC

HSBC Emirates Skywards Signature Credit Card

  • Salary: AED 10,000+
  • Direct Skywards Miles
  • Annual fee: AED 1,050
ExploreLearn more about HSBC Emirates Skywards Signature Credit Card credit card benefits and featuresApplyApply for HSBC Emirates Skywards Signature Credit Card credit card
HSBC Emirates Skywards Infinite Credit Card Design
LIMITED OFFER

HSBC

HSBC Emirates Skywards Infinite Credit Card

  • Salary: AED 30,000+
  • Direct Skywards Miles
  • Annual fee: AED 2,625
ExploreLearn more about HSBC Emirates Skywards Infinite Credit Card credit card benefits and featuresApplyApply for HSBC Emirates Skywards Infinite Credit Card credit card
DIB Emirates Skywards Platinum Covered Card Design

DUBAI ISLAMIC BANK

DIB Emirates Skywards Platinum Covered Card

  • Salary: AED 10,000+
  • Direct Skywards Miles
  • Annual fee: AED 525
ExploreLearn more about DIB Emirates Skywards Platinum Covered Card credit card benefits and featuresApplyApply for DIB Emirates Skywards Platinum Covered Card credit card
ADIB Emirates Skywards Visa Signature Covered Card Design

ABU DHABI ISLAMIC BANK (ADIB)

ADIB Emirates Skywards Visa Signature Covered Card

  • Salary: AED 5,000+
  • Direct Skywards Miles
  • Annual fee: AED 1,575
ExploreLearn more about ADIB Emirates Skywards Visa Signature Covered Card credit card benefits and featuresApplyApply for ADIB Emirates Skywards Visa Signature Covered Card credit card
ADIB Emirates Skywards Visa Infinite Covered Card Design

ABU DHABI ISLAMIC BANK (ADIB)

ADIB Emirates Skywards Visa Infinite Covered Card

  • Salary: AED 5,000+
  • Direct Skywards Miles
  • Annual fee: AED 4,725
ExploreLearn more about ADIB Emirates Skywards Visa Infinite Covered Card credit card benefits and featuresApplyApply for ADIB Emirates Skywards Visa Infinite Covered Card credit card

Test your actual spending

Use your normal monthly categories to compare estimated annual rewards after fees. A lower headline rate can still win when its conditions and caps suit you better.

How Kredit builds this comparison

Kredit organises issuer information so you can compare eligibility, fees, rewards and benefits in one place. We prefer current issuer documents such as Key Facts Statements and schedules of charges when they are available, then use issuer product pages for additional details.

The directory includes credit, debit, prepaid and related card products in one catalogue. Filters help you narrow the list without changing what the main directory covers. Card terms can change, so confirm the latest details with the bank before applying.

Rankings and editorial ratings use published methodologies. Kredit may earn a commission when you apply through some links, but that does not change the issuer terms shown in the comparison.

Explore UAE card tools and rankings

Go deeper on fees, reward value, methodology and editorial shortlists.

Compare rewards with the calculatorReview the UAE card fee indexCompare reward ratesSee Kredit card rankingsRead the ranking methodologyExplore the best-card shortlist

UAE credit card comparison questions

Practical answers for comparing card costs, eligibility and rewards.

Start with cards whose published eligibility fits your profile. Then compare total fees, reward value after caps and the benefits you would genuinely use. A card that matches your normal spending is usually more useful than one with the biggest advertised rate.

Compare joining and annual fees, fee-waiver conditions, foreign-currency charges, cash-advance fees and late-payment charges. Check the issuer's current Key Facts Statement or schedule of charges before applying because fees can change.

Estimate what each programme returns on your own spending after category rules, monthly caps, minimum-spend conditions and exclusions. For points or miles, use the value you can realistically redeem rather than assuming every point equals one dirham.

No. The published minimum salary is an initial eligibility condition, not an approval promise. Banks may also assess your credit history, existing obligations, employment and the information in your application.

Kredit updates card records when new issuer information is reviewed. The catalogue snapshot above shows the latest bank-data update represented in the directory. Always confirm current fees, rates and eligibility with the issuer before applying.