Best Credit Cards for Dubai Mall
Compare cards tailored for Dubai Mall shoppers, led by U by Emaar options and backed by premium and cashback alternatives for fashion, dining, and lifestyle spending.
See cardsLast updated: - Updated using latest public card terms and rewards data.
EMIRATES NBD
ENBD U By Emaar Signature Credit Card
≈ AED 20,867 potential value / year · incl. perks
Annual Fee: AED 262.50
6.25% cashback on Emaar spends
U By Emaar Gold Status
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
≈ AED 31,402 potential value / year · incl. perks · incl. welcome bonus
UAE Nationals only
Up to 25,000 welcome UPoints
7.5% value back at Emaar
FIRST ABU DHABI BANK (FAB)
FAB Cashback Credit Card
≈ AED 12,856 potential value / year · incl. perks
5% cashback on fashion, dining, groceries
3% cashback on international spends
1% cashback on other retail spends
Best Credit Cards for Dubai Mall compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
 | Free | AED 5,000 | Entry-level U by Emaar option with 5% Emaar earn rate |
| AED 262.50 | AED 12,000 | Balanced Dubai Mall loyalty pick with stronger Emaar earning |
 | AED 1,575 | AED 30,000 | Top U by Emaar tier for high spenders seeking premium perks |
| First year free; then AED 1,575 | AED 30,000 | UAE Nationals only, 7.5% Emaar value, first-year fee waiver and Dubai Mall valet |
 | AED 1,200 | AED 50,000 | Premium rewards structure for luxury-focused spend patterns |
 | AED 3,150 | AED 36,750 | Travel-reward heavy premium card with strong lifestyle positioning |
| AED 300 | AED 5,000 | 5% cashback categories suited for frequent mall dining and fashion spend |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | Entry-level U by Emaar option with 5% Emaar earn rate |
| AED 262.50 | AED 12,000 | Balanced Dubai Mall loyalty pick with stronger Emaar earning |
| AED 1,575 | AED 30,000 | Top U by Emaar tier for high spenders seeking premium perks |
| First year free; then AED 1,575 | AED 30,000 | UAE Nationals only, 7.5% Emaar value, first-year fee waiver and Dubai Mall valet |
| AED 1,200 | AED 50,000 | Premium rewards structure for luxury-focused spend patterns |
| AED 3,150 | AED 36,750 | Travel-reward heavy premium card with strong lifestyle positioning |
| AED 300 | AED 5,000 | 5% cashback categories suited for frequent mall dining and fashion spend |
ENBD U By Emaar Family Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightEntry-level U by Emaar option with 5% Emaar earn rate
ENBD U By Emaar Signature Credit Card
Annual feeAED 262.50
Min. salaryAED 12,000
HighlightBalanced Dubai Mall loyalty pick with stronger Emaar earning
ENBD U By Emaar Infinite Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightTop U by Emaar tier for high spenders seeking premium perks
ENBD U By Emaar Visa Infinite Emirati Credit Card
Annual feeFirst year free; then AED 1,575
Min. salaryAED 30,000
HighlightUAE Nationals only, 7.5% Emaar value, first-year fee waiver and Dubai Mall valet
FAB Elite Credit Card
Annual feeAED 1,200
Min. salaryAED 50,000
HighlightPremium rewards structure for luxury-focused spend patterns
Citi Ultima Credit Card
Annual feeAED 3,150
Min. salaryAED 36,750
HighlightTravel-reward heavy premium card with strong lifestyle positioning
FAB Cashback Credit Card
Annual feeAED 300
Min. salaryAED 5,000
Highlight5% cashback categories suited for frequent mall dining and fashion spend
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
9 cards in the UAE
EMIRATES NBD
ENBD U By Emaar Family Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 1% cashback on all spends
- 5% cashback on Emaar spends
- Buy 1 Get 1 Free Movie Tickets.
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
EMIRATES NBD
ENBD U By Emaar Infinite Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 2,625
- Annual Fee: AED 1,575
- Welcome Offer: Up to 25,000 UPoints
- U By Emaar Platinum Status
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
- Salary: AED 30,000+
- First year free
- UAE Nationals only
- Up to 25,000 welcome UPoints
- 7.5% value back at Emaar
FIRST ABU DHABI BANK (FAB)
FAB Elite Credit Card
- Salary: AED 40,000+
- Annual Fee: AED 1,260
- Up to 20 FAB Rewards on luxury spending
- Up to 5 FAB Rewards on all other spending including abroad
- Up to 40% off at 100+ restaurants via ADV+
CITIBANK
Citi Ultima Credit Card
- Salary: AED 36,750
- Annual Fee: AED 3,150
- 30,000 annual bonus miles
- 5 miles/USD non-AED
- 2.5 miles/USD in AED
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
FIRST ABU DHABI BANK (FAB)
FAB Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 5% cashback on fashion, dining, groceries
- 3% cashback on international spends
- 1% cashback on other retail spends
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
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 5,000–40,000 |
| 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 5,000–40,000 |
| 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 Dubai Mall in the UAE
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