For flat cashback: Liv Cashback (up to 2%) and Mashreq Cashback. For Carrefour and Al Futtaim shoppers: ENBD SHARE Signature (6%) or SHARE Platinum (4%). For noon: ENBD Noon One. For Sharia-compliant: DIB Consumer Cashback Platinum or EI Switch Cashback. All are free for life with no minimum spend.
Best Free Credit Cards in the UAE — No Annual Fee
Free-for-life UAE credit cards: Liv Cashback, Mashreq Cashback, ADCB Essential, ENBD Noon One, ENBD SHARE Platinum/Signature, EI Switch Cashback compared.
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LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
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
EMIRATES NBD
ENBD SHARE Signature Credit Card
6% cashback with Al Futtaim brands
1% cashback on other spends
DUBAI ISLAMIC BANK
DIB Consumer Cashback Platinum Credit Card
4% cashback on groceries, auto & education
4% cashback on bills
Best Free Credit Cards in the UAE — No Annual Fee 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 | Up to 2% tiered cashback with Skywards Miles conversion option |
 | Free | AED 5,000 | Free-for-life cashback with AED 500 welcome bonus |
 | Free | AED 5,000 |
June Spotlight
Liv by Emirates NBD
Liv by Emirates NBD offers fully digital credit cards designed for everyday spenders and lifestyle-focused users. The lineup covers cashback-led options and Tamayaz travel rewards, giving users flexibility across groceries, dining, travel, and online spending.
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Why choose Free Credit Cards in the UAE — No Annual Fee
1.
Free-for-life means no annual or joining fee
These cards charge AED 0 joining and AED 0 annual fee for the life of the card. No minimum-spend requirement to keep the fee waiver. You only pay if you carry a balance past the due date (interest on revolved amounts).
2.
Different free cards win different categories
Liv Cashback is the best flat-rate free card. ENBD SHARE Signature is best at Carrefour/Al Futtaim. ENBD Noon One is best on noon. ADCB Essential is best for cinema. Pick by spend pattern rather than headline rate.
8 cards in the UAE
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LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Salary: AED 5,000+
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 5,000–15,000 |
| 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 5,000–15,000 |
| 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)
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