Best Credit Cards for Careem UAE
Compare UAE credit cards for Careem: dedicated cards offer Careem Plus membership and cashback on rides, while flat cashback cards provide platform-agnostic returns on all app spending.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
FIRST ABU DHABI BANK (FAB)
FAB Z Credit Card
≈ AED 6,809 potential value / year · incl. perks
Free Careem Plus & Noon One for 1 year
20% off on monthly subscriptions to Netflix, PlayStation, YouTube, Spotify and more
No FX fees abroad
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
≈ AED 10,816 potential value / year · incl. perks
3.8/5
10% Cashback on online and digital wallet spends
2% Cashback on international spends
1% Cashback on domestic retail spends
RAKBANK
RAKBANK Elevate Credit Card
≈ AED 15,908 potential value / year · incl. perks · incl. welcome bonus · Privilege tier
Up to 4 RAKrewards/AED
Up to 3.2% travel value
Privilege: 0% bank FX fee
Unlimited lounge access + guest
6 airport transfers/year
Best Credit Cards for Careem UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 105 | AED 5,000 | Free Careem Plus membership for 1 year as welcome benefit, AED 105 annual fee (waived first year), from AED 5,000 |
 | AED 313.95 (waivable) | AED 5,000 | HSBC lifestyle card with Careem benefits, 6% cashback on dining, AED 750 annual fee, from AED 5,000 |
 | AED 315 (waivable) | AED 8,000 | 2% grocery cashback, 3% international — broad coverage including Careem, from AED 8,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on digital wallet and online spend — applies to Careem app payments, from AED 8,000 |
 | AED 1,575 | AED 25,000 | 3% flat cashback + complimentary Careem airport transfers, from AED 25,000 |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED on eligible Careem rides; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 105 | AED 5,000 | Free Careem Plus membership for 1 year as welcome benefit, AED 105 annual fee (waived first year), from AED 5,000 |
| AED 313.95 (waivable) | AED 5,000 | HSBC lifestyle card with Careem benefits, 6% cashback on dining, AED 750 annual fee, from AED 5,000 |
| AED 315 (waivable) | AED 8,000 | 2% grocery cashback, 3% international — broad coverage including Careem, from AED 8,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on digital wallet and online spend — applies to Careem app payments, from AED 8,000 |
| AED 1,575 | AED 25,000 | 3% flat cashback + complimentary Careem airport transfers, from AED 25,000 |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED on eligible Careem rides; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
FAB Z Credit Card
Annual feeAED 105
Min. salaryAED 5,000
HighlightFree Careem Plus membership for 1 year as welcome benefit, AED 105 annual fee (waived first year), from AED 5,000
HSBC Live+ Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 5,000
HighlightHSBC lifestyle card with Careem benefits, 6% cashback on dining, AED 750 annual fee, from AED 5,000
Citi Cashback Credit Card
Annual feeAED 315 (waivable)
Min. salaryAED 8,000
Highlight2% grocery cashback, 3% international — broad coverage including Careem, from AED 8,000
SIB Cashback Credit Card
Annual feeAED 199 (waivable)
Min. salaryAED 8,000
Highlight10% cashback on digital wallet and online spend — applies to Careem app payments, from AED 8,000
Invest Bank World Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight3% flat cashback + complimentary Careem airport transfers, from AED 25,000
RAKBANK Elevate Credit Card
Annual feeAED 51.45 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED on eligible Careem rides; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
- Get 20% back as noon credits when you spend on noon food
- Get 5% back as noon credits when you spend on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
Why use a credit card for Careem
1.
FAB Z provides direct Careem Plus membership
FAB Z Credit Card includes a complimentary 1-year Careem Plus subscription as a welcome benefit — direct value for Careem regulars without relying on earn rate alone.
2.
Digital wallet cashback cards earn on Careem app payments
SIB Cashback earns 10% on digital wallet and online spend. Careem app payments typically qualify, making it the highest-rate option for cashback on rides and food orders.
3.
Careem users benefit from general lifestyle and dining cards
Careem encompasses rides, food, and deliveries. Cards with dining or general cashback benefits — like HSBC Live+ or Citi Cashback — round out the earning opportunity across all Careem services.
How to choose the right card for Careem
1.
Careem Plus subscriber: FAB Z is the direct benefit play
Free Careem Plus for a year covers AED 120–180 in subscription value alone. FAB Z's annual fee is waived in year one, making the card net-positive before any cashback.
2.
Ride-heavy user: SIB Cashback earns on every transaction
10% on all digital wallet and online payments is a strong ongoing rate for Careem rides — no welcome benefit dependency, strong year-on-year return.
8 cards in the UAE
FIRST ABU DHABI BANK (FAB)
FAB Z Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first year
- Free Careem Plus & Noon One for 1 year
- 20% off on monthly subscriptions to Netflix, PlayStation, YouTube, Spotify and more
- No FX fees abroad
HSBC
HSBC Live+ Credit Card
- Salary: AED 5,000+
- First year fee-free
- Up to AED 800 welcome cashback
- 6% dining cashback
- 5% fuel cashback
RAKBANK
RAKBANK Elevate Credit Card
- Salary: AED 35,000+
- Tier fee from AED 51.45/month
- Up to 4 RAKrewards/AED
- Up to 3.2% travel value
- Privilege: 0% bank FX fee
CITIBANK
Citi Cashback Credit Card
- Salary: AED 8,000+
- No Annual Fee for the first year
- 3% Cashback on non-AED spends
- 2% Cashback on grocery/supermarket spends
- 1% Cashback on all other spend
3.8/5
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
- Salary: AED 8,000+
- No Annual Fee for the First Year
- 10% Cashback on online and digital wallet spends
- 2% Cashback on international spends
- 1% Cashback on domestic retail spends
WIO BANK
Wio Credit Card
- Salary: AED 5,000+
- No Annual Fee with Wio Plan
- 2% Cashback on all spends
- 0.5% Cashback on Other Credit Card Bills
- Total Cashback up to AED 2,500/month
INVEST BANK
Invest Bank World Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Flat 3% cashback on all spends (up to AED 1,500/month)
- Complimentary Airport Transfers with Careem
- Complimentary 1 GB of data roaming with Flexiroam once a year
RAKBANK
RAKBANK Elevate Credit Card
- Salary: AED 35,000+
- Tier fee from AED 51.45/month
- Up to 4 RAKrewards/AED
- Up to 3.2% travel value
- Privilege: 0% bank FX fee
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–35,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–35,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Credit Cards for Careem UAE
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