Options include welcome cashback bonuses, free-for-life cards, 0% balance transfer plans, and partner discounts.
Highest welcome offer
MASHREQ BANK
Mashreq Solitaire Credit Card
≈ AED 12,256 potential value / year · incl. perks
Welcome Bonus: AED 2,500
6 points per AED on international purchases
Fitness First with spend
Best new-to-bank offer
EMIRATES NBD
ENBD noon One Visa Credit Card
≈ AED 24,632 potential value / year · incl. perks · incl. welcome bonus
4.1/5
AED 500 bonus on AED 5,000
20% back in credits on noon Food
5% back in credits on noon
Best free with offer
MASHREQ BANK
Mashreq Cashback Credit Card
≈ AED 6,480 potential value / year
3.4/5
AED 500 Welcome Bonus
Unlimited 5% Cashback on dining.
1% Cashback on international spends (non-dining)
Best mall-network offer
FIRST ABU DHABI BANK (FAB)
FAB SHARE Signature Credit Card
≈ AED 21,732 potential value / year · incl. perks
5,000 bonus SHARE points
6% at malls & Carrefour
2-for-1 VOX 3× monthly
Best Credit Card Offers & Deals in the UAE compared
A side-by-side snapshot of joining fees, salary requirements, and standout benefits.
| Card | Joining fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 25,000 | AED 2,500 welcome cashback after AED 9,000 spend in 2 months — among the highest UAE bonuses |
 | Free | AED 5,000 | AED 500 welcome cashback plus Vantage rewards and lifestyle benefits |
| Free | AED 5,000 | AED 500 welcome cashback on a free-for-life card |
 | AED 735 | AED 15,000 | Welcome cashback + up to 3 monthly VOX B1G1 offers + lounge access + coffee B1G1 (until Aug 2026) |
 | Free | AED 5,000 | Free-for-life, up to 2% tiered + coffee B1G1 across 50+ shops (until Aug 2026) |
 | AED 735 | AED 15,000 | AED 1,000 welcome after AED 40,000 spend in 60 days; 10% at Union Coop |
 | Free | AED 5,000 | AED 365 welcome bonus after AED 5,000 spend in 45 days |
 | Free | AED 5,000 | AED 350 welcome bonus on a free card + Buy-1-Get-1 at Reel Cinemas |
| Free | AED 5,000 | AED 500 welcome bonus for new-to-bank/card customers + up to 20% noon Credits |
 | AED 2,625 | AED 30,000 | UAE Nationals only: double Emaar UPoints for 3 months plus 10,000 after USD 10,000 spend; up to 25,000 UPoints combined |
| Free | AED 10,000 | 5,000 SHARE-point welcome (≈AED 500) + 10% at JUMBO/EROS until 31 Dec 2026 |
 | Free | AED 5,000 | AED 500 Sharia-compliant cashback welcome after AED 15,000 spend in 60 days |
| Card | Joining fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 25,000 | AED 2,500 welcome cashback after AED 9,000 spend in 2 months — among the highest UAE bonuses |
| Free | AED 5,000 | AED 500 welcome cashback plus Vantage rewards and lifestyle benefits |
| Free | AED 5,000 | AED 500 welcome cashback on a free-for-life card |
| AED 735 | AED 15,000 | Welcome cashback + up to 3 monthly VOX B1G1 offers + lounge access + coffee B1G1 (until Aug 2026) |
| Free | AED 5,000 | Free-for-life, up to 2% tiered + coffee B1G1 across 50+ shops (until Aug 2026) |
| AED 735 | AED 15,000 | AED 1,000 welcome after AED 40,000 spend in 60 days; 10% at Union Coop |
| Free | AED 5,000 | AED 365 welcome bonus after AED 5,000 spend in 45 days |
| Free | AED 5,000 | AED 350 welcome bonus on a free card + Buy-1-Get-1 at Reel Cinemas |
| Free | AED 5,000 | AED 500 welcome bonus for new-to-bank/card customers + up to 20% noon Credits |
| AED 2,625 | AED 30,000 | UAE Nationals only: double Emaar UPoints for 3 months plus 10,000 after USD 10,000 spend; up to 25,000 UPoints combined |
| Free | AED 10,000 | 5,000 SHARE-point welcome (≈AED 500) + 10% at JUMBO/EROS until 31 Dec 2026 |
| Free | AED 5,000 | AED 500 Sharia-compliant cashback welcome after AED 15,000 spend in 60 days |
Mashreq Solitaire Credit Card
Joining feeFree
Min. salaryAED 25,000
HighlightAED 2,500 welcome cashback after AED 9,000 spend in 2 months — among the highest UAE bonuses
Mashreq Platinum Plus Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightAED 500 welcome cashback plus Vantage rewards and lifestyle benefits
Mashreq Cashback Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightAED 500 welcome cashback on a free-for-life card
Liv Cashback+ Credit Card
Joining feeAED 735
Min. salaryAED 15,000
HighlightWelcome cashback + up to 3 monthly VOX B1G1 offers + lounge access + coffee B1G1 (until Aug 2026)
Liv Cashback Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightFree-for-life, up to 2% tiered + coffee B1G1 across 50+ shops (until Aug 2026)
Tamayaz World Credit Card
Joining feeAED 735
Min. salaryAED 15,000
HighlightAED 1,000 welcome after AED 40,000 spend in 60 days; 10% at Union Coop
ADCB 365 Cashback Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightAED 365 welcome bonus after AED 5,000 spend in 45 days
ADCB Essential Cashback Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightAED 350 welcome bonus on a free card + Buy-1-Get-1 at Reel Cinemas
ENBD noon One Visa Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightAED 500 welcome bonus for new-to-bank/card customers + up to 20% noon Credits
ENBD U By Emaar Visa Infinite Emirati Credit Card
Joining feeAED 2,625
Min. salaryAED 30,000
HighlightUAE Nationals only: double Emaar UPoints for 3 months plus 10,000 after USD 10,000 spend; up to 25,000 UPoints combined
FAB SHARE Signature Credit Card
Joining feeFree
Min. salaryAED 10,000
Highlight5,000 SHARE-point welcome (≈AED 500) + 10% at JUMBO/EROS until 31 Dec 2026
Emirates Islamic Switch Cashback Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightAED 500 Sharia-compliant cashback welcome after AED 15,000 spend in 60 days
October 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
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Why choose Credit Card Offers & Deals in the UAE
1.
Premium welcome cashback (paid tier)
Mashreq Solitaire AED 2,500 (after AED 9,000 in 60 days), Mashreq Platinum Elite AED 1,500, Liv Tamayaz World AED 1,000 (AED 40,000 in 60 days), ADCB 365 AED 365 (AED 5,000 in 45 days), ENBD U by Emaar Visa Infinite Emirati up to 25,000 UPoints (up to AED 2,500 when all conditions are met), and FAB SHARE Signature 5,000 SHARE points (≈AED 500).
2.
Free-for-life cards with welcome bonuses
Mashreq Cashback, ENBD Noon One, Emirates Islamic Switch Cashback, and ADCB Essential Cashback each post AED 350-500 welcome cashback on a free-for-life card. ENBD U by Emaar Visa Infinite Emirati waives the first-year fee but requires the published early-spend conditions for its UPoints welcome value.
3.
Other limited-time partner offers
FAB SHARE Signature 10% back at JUMBO/EROS (AED 200/merchant cap, until 31 Dec 2026). Liv Cashback / Cashback+ B1G1 across 50+ coffee shops (until Aug 2026). ADCB Essential Cashback Buy-1-Get-1 at Reel Cinemas. Liv Cashback+ offers up to 3 monthly VOX B1G1 redemptions plus a VOX F&B discount. All stack with the base cashback and welcome bonus.
4.
Compute net first-year value, not headline
A AED 2,500 welcome on a card with AED 1,575 joining fee is AED 925 net — still strong, but well below the headline. A AED 500 welcome on a free card is AED 500 net. Subtract joining/annual fee from the welcome bonus before ranking.
5.
Watch the spend window and exclusions
Welcome bonuses require a minimum spend in 30-60 days from activation. Most issuers exclude cash advances, government payments, school fees, balance transfers, salik, and utility top-ups from qualifying spend. Don't manufacture spend just to clear the threshold.
12 cards in the UAE
MASHREQ BANK
Mashreq Solitaire Credit Card
- Salary: AED 25,000+
- Annual Fee AED 1,500 +5% VAT
- Welcome Bonus: AED 2,500
- 6 points per AED on international purchases
- Fitness First with spend
MASHREQ BANK
Mashreq Platinum Plus Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 313.95
- 10 points/AED on everyday categories
- 4 lounge visits/year
3.4/5
MASHREQ BANK
Mashreq Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 Welcome Bonus
- Unlimited 5% Cashback on dining.
- 1% Cashback on international spends (non-dining)
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
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
- Salary: AED 5,000+
- Free for life
- Up to 2% Cashback on all spends
- Cashback or Skywards Miles
- 2 VOX B1G1 offers + 25% off F&B from AED 40
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
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 383.25
- 6% cashback on dining (including online food orders)
- 5% cashback on fuel and Salik
- 3% cashback on groceries and supermarkets
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Essential Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Up to 1.25% cashback on all spends
- 0.75% on select categories
- BOGO at Reel Cinemas
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
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
FIRST ABU DHABI BANK (FAB)
FAB SHARE Signature Credit Card
- Salary: AED 10,000+
- Annual Fee: AED 525
- 5,000 bonus SHARE points
- 6% at malls & Carrefour
- 2-for-1 VOX 3× monthly
EMIRATES ISLAMIC
IslamicEmirates Islamic Switch Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first year
- Welcome Offer: AED 500 Cashback points
- Up to 8% cashback on your spends
- Switch between Lifestyle or Travel cashback category
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 5,000–30,000 |
| 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 5,000–30,000 |
| 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 Card Offers & Deals in the UAE
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