What is the annual fee on a UAE credit card?

Across the 156 UAE consumer credit cards Kredit tracks, the average annual fee is AED 673 and the median is AED 315. The median is the better guide to what a typical card costs, because a small number of premium cards pull the average up.

Are there UAE credit cards with no annual fee?

Yes — 34% of the cards in the index are free for life, meaning no annual fee and no spend condition attached to it.

How much do the cards that do charge an annual fee cost?

103 cards in the index charge an annual fee, averaging AED 1,020.

Which UAE credit card has the highest annual fee?

The ADCB Private World Elite Credit Card from Abu Dhabi Commercial Bank (ADCB), at AED 7,875 a year.

What is the cheapest UAE credit card that charges an annual fee?

The ENBD Webshopper Credit Card from Emirates NBD, at AED 52.5 a year. Free-for-life cards cost less still.

Can a UAE credit card annual fee be waived?

Often, on an annual spend threshold. Where a card waives its fee that way, the condition is shown against the Annual Fee on the card's own page — the fees in this index are the standard published amounts, before any waiver.

Kredit

Kredit data · 2026

The UAE Credit Card Fee Index

Name: UAE Credit Card Fee Index 2026
Creator: Kredit
License: https://kredit.ae/media/terms-of-service.pdf

What UAE credit cards really cost, measured across the 156 cards Kredit tracks. The average annual fee is AED 673, but the median is just AED 315 — and 34% of cards are free for life.

34%of UAE cards are free for life

AED 673average annual fee across all cards

AED 315median annual fee (the typical card)

AED 1,020average fee of the 103 cards that charge one

8.9×premium cards (AED 25k+ salary) cost this much more than entry cards

AED 52.5cheapest paid card — ENBD Webshopper Credit Card

Annual fees by bank

Bank	Cards	Free for life	Avg. annual fee
Emirates NBD	32	11	AED 761
First Abu Dhabi Bank (FAB)	22	7	AED 538
Emirates Islamic	17	6	AED 874
Abu Dhabi Commercial Bank (ADCB)	12	4	AED 1,279
Citibank	7	1	AED 923
RAKBANK	7	3	AED 441
Mashreq Bank	6	3	AED 1,190
Abu Dhabi Islamic Bank (ADIB)	5	0	AED 902
cbd	5	1	AED 388
Liv Digital Bank by Emirates NBD	5	3	AED 294
Mawarid Falak Tayyeb Finance	4	4	AED 0
Aafaq Islamic Finance	3	1	AED 420
Ajman Bank	3	1	AED 315
Al Masraf	3	0	AED 490
Deem	3	1	AED 245
Dubai Islamic Bank	3	0	AED 402
United Arab Bank (UAB)	3	0	AED 893
HSBC	2	0	AED 682
Invest Bank	2	0	AED 1,050
Ruya Community Islamic Bank	2	1	AED 157
Wio Bank	2	2	AED 0
Al Hilal Bank	1	1	AED 0
American Express	1	0	AED 735
Dubai First	1	0	AED 419
Sav	1	1	AED 0
Sharjah Islamic Bank	1	0	AED 199
Sinder	1	1	AED 0
tabby	1	0	AED 588
Ziina	1	1	AED 0

Annual fees by salary tier

Minimum salary tier	Cards	Avg. annual fee
Under AED 5,000	8	AED 389
AED 5,000–7,999	57	AED 221
AED 8,000–14,999	37	AED 316
AED 15,000–24,999	24	AED 783
AED 25,000+	30	AED 1,961

Methodology

Figures are computed from the 156 UAE consumer credit cards in Kredit's catalogue. Annual fees are taken from each card's published schedule of charges; monthly fees are annualised. "Free for life" means no annual fee with no spend condition. The index is refreshed as card terms change. Cite as "Kredit UAE Card Fee Index, 2026".

UAE credit card fees — FAQ

Get answers to common questions about credit cards, applications, and managing your finances in the UAE

Find the card behind the numbers

The fee data above is what sits behind our picks. See the best credit cards in the UAE for the shortlist, or free-for-life cards if a card with no annual fee is what you want.