FAB Travel Credit Card has no foreign currency fee — the most important factor when Desertcart charges in USD or GBP (from AED 25,000 salary, AED 1,575 annual fee). SIB Cashback earns 10% on all online spend for AED-priced orders (from AED 8,000). Wio charges a lower-than-standard 2% FX fee and earns 2% cashback with no annual fee.
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% cashback with a lower-than-standard 2% FX fee.
Last updated: - Updated monthly using latest public card terms and bank data.
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FIRST ABU DHABI BANK (FAB)
FAB Travel Credit Card
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
10% Cashback on online and digital wallet spends
2% Cashback on international spends
1% Cashback on domestic retail spends
WIO BANK
Wio Credit Card
2% Cashback on all spends
0.5% Cashback on Credit Card Bill Payments
Total Cashback up to AED 2,500/month
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% cashback, 2% FX fee (below the standard 2.99%), no annual fee, from AED 5,000 |
 | 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 617.40 (waivable) | AED 35,000 | Up to 4% cashback on all spend, no foreign currency fee, 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% cashback, 2% FX fee (below the standard 2.99%), no annual fee, from AED 5,000 |
| 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 617.40 (waivable) | AED 35,000 | Up to 4% cashback on all spend, no foreign currency fee, 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% cashback, 2% FX fee (below the standard 2.99%), no annual fee, from AED 5,000
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 617.40 (waivable)
Min. salaryAED 35,000
HighlightUp to 4% cashback on all spend, no foreign currency fee, tier-based monthly fee, from AED 35,000
June Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
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
EMIRATES NBD
ENBD SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
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
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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
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 Credit Card Bill Payments
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
Instant redemption as Cashback or 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
Instant redemption as Cashback or 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
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
Salary: AED 15,000+
Annual Fee: AED 735
75,000 EI SmartMiles Welcome Bonus
3.75% cashback on international spend
Unlimited rounds of golf
RAKBANK
RAKBANK Elevate Credit Card
Salary: AED 35,000+
Tier-based Monthly Fee
Up to 4% cashback on all your spends
Up to 3% value back on airline and hotel reward redemption
No Foreign Currency 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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