Best Credit Cards for Desertcart UAE
Compare UAE credit cards for Desertcart: FAB Travel has no FX fee, SIB Cashback earns 10% on online spend, and Wio provides 2% on eligible spend with a lower-than-standard 2% FX fee.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
FIRST ABU DHABI BANK (FAB)
FAB Travel Credit Card
≈ AED 22,844 potential value / year · incl. perks
Free flight each year to over 15 destinations
12% cashback on flights and hotel bookings
No FX fees
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
WIO BANK
Wio Credit Card
≈ AED 7,200 potential value / year
2% Cashback on all spends
0.5% Cashback on Other Credit Card Bills
Total Cashback up to AED 2,500/month
Up to 600 ENTERTAINER offers
Best Credit Cards for Desertcart 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 1,575 | AED 25,000 | No FX fee, 12% cashback on flights and hotels, free annual flight, AED 1,575 annual fee, from AED 25,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on online spend including Desertcart.ae, from AED 8,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible spend, 2% FX fee (below the standard 2.99%), no separate card annual fee, plan required |
 | AED 1,575 | AED 25,000 | 3% flat cashback on all spend up to AED 1,500/month, from AED 25,000 |
 | AED 735 | AED 15,000 | Up to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000 |
 | Free | AED 5,000 | Up to 2% cashback free for life, no annual fee, from AED 5,000 |
 | AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED; 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 1,575 | AED 25,000 | No FX fee, 12% cashback on flights and hotels, free annual flight, AED 1,575 annual fee, from AED 25,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on online spend including Desertcart.ae, from AED 8,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible spend, 2% FX fee (below the standard 2.99%), no separate card annual fee, plan required |
| AED 1,575 | AED 25,000 | 3% flat cashback on all spend up to AED 1,500/month, from AED 25,000 |
| AED 735 | AED 15,000 | Up to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000 |
| Free | AED 5,000 | Up to 2% cashback free for life, no annual fee, from AED 5,000 |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
FAB Travel Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
HighlightNo FX fee, 12% cashback on flights and hotels, free annual flight, AED 1,575 annual fee, from AED 25,000
SIB Cashback Credit Card
Annual feeAED 199 (waivable)
Min. salaryAED 8,000
Highlight10% cashback on online spend including Desertcart.ae, from AED 8,000
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on eligible spend, 2% FX fee (below the standard 2.99%), no separate card annual fee, plan required
Invest Bank World Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight3% flat cashback on all spend up to AED 1,500/month, from AED 25,000
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightUp to 2% cashback free for life, no annual fee, from AED 5,000
RAKBANK Elevate Credit Card
Annual feeAED 51.45 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED; 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 FX fees matter on Desertcart
1.
Desertcart sources international products — FX fees can erode cashback
Desertcart imports from international sellers and sometimes charges orders in USD or GBP. A standard UAE card with a 2.99% FX fee can offset much of the cashback earned on the same transaction.
2.
FAB Travel waives all foreign currency fees
FAB Travel Credit Card charges no FX fee on international transactions, making it the strongest credit card option for Desertcart orders billed in foreign currencies. It requires AED 25,000 salary and carries an annual fee of AED 1,575.
3.
SIB Cashback earns 10% on all Desertcart.ae orders
SIB Cashback's 10% online rate applies to all Desertcart orders paid in AED. For domestically priced orders where FX fees don't apply, SIB delivers the highest cashback rate.
How to choose the right card for Desertcart
1.
Foreign-currency orders: FAB Travel eliminates the FX cost entirely
If your Desertcart order is charged in USD or another currency, the FX fee is your biggest cost. FAB Travel's no-FX-fee policy is more valuable than a higher cashback rate on a card with a 2.99% conversion fee — but requires AED 25,000 salary and carries a premium annual fee.
2.
AED-priced orders: SIB at 10% wins on cashback rate
When Desertcart charges in AED, no FX fee applies. SIB Cashback's 10% online rate delivers the highest cashback return for AED-denominated orders up to the AED 300 monthly cap.
8 cards in the UAE
FIRST ABU DHABI BANK (FAB)
FAB Travel Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Free flight each year to over 15 destinations
- 12% cashback on flights and hotel bookings
- No FX fees
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
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 Free Movie Tickets + 20% off on F&B at VOX Cinemas
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 Free Movie Tickets + 20% off on F&B at VOX Cinemas
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
3.9/5
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- EI SmartMiles welcome offer
- 3.75% cashback on international spend
- Unlimited rounds of golf
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 Desertcart UAE
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