Best Golf Credit Cards in the UAE
Some UAE credit cards include free golf rounds at top clubs each month.
See cardsLast updated: - Sourced from official issuer documents and product pages.
The card you choose decides which clubs you can play. Pick the one that covers your home course — or the courses you want to try.
Unlimited rounds
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
≈ AED 18,458 potential value / year · incl. perks · incl. welcome bonus
3.8/5
EI SmartMiles welcome offer
3.75% cashback on international spend
Unlimited rounds of golf
Unlimited weekdays + weekend round
CITIBANK
Citi Prestige Credit Card
≈ AED 15,921 potential value / year · incl. perks
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
14 lounge visits/year
4 Careem airport rides/year
Lowest spend threshold
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
≈ AED 10,990 potential value / year · incl. perks
Up to 10% cashback on groceries, education, dining, telecom
Unlimited airport lounge access
2 rounds of complimentary golf per month
Best for weekend play
EMIRATES ISLAMIC
Emirates Islamic Amazon World Credit Card
≈ AED 25,302 potential value / year · incl. perks · incl. welcome bonus
Welcome Bonus: up to AED 500 on qualifying spend in 60 days
Up to 6% back in Amazon Rewards on your spends with no cap
Up to 2 free items at Costa at Dubai airports
Best Golf Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Spend to unlock | Why it stands out |
|---|---|---|---|---|
| AED 735 | AED 15,000 | AED 10,000/month | Unlimited rounds at Arabian Ranches, Jebel Ali, Track Meydan, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club (AED 10,000 monthly spend) |
| AED 1,575 | AED 30,000 | AED 5,000/month | Unlimited weekdays + 1 weekend round/month at The Els, Trump, Arabian Ranches, Montgomerie, and Abu Dhabi Golf Club |
 | Free | AED 20,000 | AED 8,000/month | 4 rounds/month across 6 clubs: Abu Dhabi Golf Club, Arabian Ranches, Montgomerie, Track Meydan, The Els, and Sharjah Golf & Shooting Club (AED 8,000 spend) |
 | AED 787.50 (waivable) | AED 15,000 | — | Golf at Track Meydan and Arabian Ranches, subject to monthly retail spend |
| Free | AED 15,000 | AED 5,000/month | 2 rounds/month at Arabian Ranches, Jebel Ali, or Abu Dhabi Golf Club — available on weekends or weekdays (AED 5,000 spend) |
 | AED 313.95 (waivable) | AED 5,000 | AED 5,000/month | 2 rounds/month at 5 clubs including Arabian Ranches, Track Meydan, Jebel Ali, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club (AED 5,000 spend) |
 | AED 1,575 | AED 25,000 | AED 10,000/month | 2 weekend rounds/billing cycle at Arabian Ranches, Abu Dhabi Golf Club, Track Meydan, The Els, and Jebel Ali (AED 10,000 spend in the prior billing cycle) |
| AED 313.95 | AED 12,000 | AED 3,000/month | 2 rounds/month at 6 clubs including Abu Dhabi Golf Club, Arabian Ranches, and Sharjah Golf & Shooting Club (AED 3,000 monthly spend) |
 | AED 1,575 | AED 25,000 | AED 5,000/month | 2 rounds/month at 6 UAE courses including Arabian Ranches, Jebel Ali, and Abu Dhabi Golf Club (AED 5,000 monthly spend), alongside Voyager Miles earning and lounge access |
| Card | Annual fee | Min. salary | Spend to unlock | Why it stands out |
|---|---|---|---|---|
| AED 735 | AED 15,000 | AED 10,000/month | Unlimited rounds at Arabian Ranches, Jebel Ali, Track Meydan, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club (AED 10,000 monthly spend) |
| AED 1,575 | AED 30,000 | AED 5,000/month | Unlimited weekdays + 1 weekend round/month at The Els, Trump, Arabian Ranches, Montgomerie, and Abu Dhabi Golf Club |
| Free | AED 20,000 | AED 8,000/month | 4 rounds/month across 6 clubs: Abu Dhabi Golf Club, Arabian Ranches, Montgomerie, Track Meydan, The Els, and Sharjah Golf & Shooting Club (AED 8,000 spend) |
| AED 787.50 (waivable) | AED 15,000 | — | Golf at Track Meydan and Arabian Ranches, subject to monthly retail spend |
| Free | AED 15,000 | AED 5,000/month | 2 rounds/month at Arabian Ranches, Jebel Ali, or Abu Dhabi Golf Club — available on weekends or weekdays (AED 5,000 spend) |
| AED 313.95 (waivable) | AED 5,000 | AED 5,000/month | 2 rounds/month at 5 clubs including Arabian Ranches, Track Meydan, Jebel Ali, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club (AED 5,000 spend) |
| AED 1,575 | AED 25,000 | AED 10,000/month | 2 weekend rounds/billing cycle at Arabian Ranches, Abu Dhabi Golf Club, Track Meydan, The Els, and Jebel Ali (AED 10,000 spend in the prior billing cycle) |
| AED 313.95 | AED 12,000 | AED 3,000/month | 2 rounds/month at 6 clubs including Abu Dhabi Golf Club, Arabian Ranches, and Sharjah Golf & Shooting Club (AED 3,000 monthly spend) |
| AED 1,575 | AED 25,000 | AED 5,000/month | 2 rounds/month at 6 UAE courses including Arabian Ranches, Jebel Ali, and Abu Dhabi Golf Club (AED 5,000 monthly spend), alongside Voyager Miles earning and lounge access |
Emirates Islamic Flex Elite Credit Card
Annual feeAED 735
Min. salaryAED 15,000
Spend to unlockAED 10,000/month
HighlightUnlimited rounds at Arabian Ranches, Jebel Ali, Track Meydan, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club (AED 10,000 monthly spend)
Citi Prestige Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
Spend to unlockAED 5,000/month
HighlightUnlimited weekdays + 1 weekend round/month at The Els, Trump, Arabian Ranches, Montgomerie, and Abu Dhabi Golf Club
DIB SHAMS Infinite Credit Card
Annual feeFree
Min. salaryAED 20,000
Spend to unlockAED 8,000/month
Highlight4 rounds/month across 6 clubs: Abu Dhabi Golf Club, Arabian Ranches, Montgomerie, Track Meydan, The Els, and Sharjah Golf & Shooting Club (AED 8,000 spend)
CBD Visa Infinite Credit Card
Annual feeAED 787.50 (waivable)
Min. salaryAED 15,000
Spend to unlock—
HighlightGolf at Track Meydan and Arabian Ranches, subject to monthly retail spend
Emirates Islamic Amazon World Credit Card
Annual feeFree
Min. salaryAED 15,000
Spend to unlockAED 5,000/month
Highlight2 rounds/month at Arabian Ranches, Jebel Ali, or Abu Dhabi Golf Club — available on weekends or weekdays (AED 5,000 spend)
Emirates Islamic Switch Cashback Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 5,000
Spend to unlockAED 5,000/month
Highlight2 rounds/month at 5 clubs including Arabian Ranches, Track Meydan, Jebel Ali, Abu Dhabi Golf Club, and Sharjah Golf & Shooting Club (AED 5,000 spend)
Mashreq Solitaire Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Spend to unlockAED 10,000/month
Highlight2 weekend rounds/billing cycle at Arabian Ranches, Abu Dhabi Golf Club, Track Meydan, The Els, and Jebel Ali (AED 10,000 spend in the prior billing cycle)
Emirates Islamic Cashback Plus Credit Card
Annual feeAED 313.95
Min. salaryAED 12,000
Spend to unlockAED 3,000/month
Highlight2 rounds/month at 6 clubs including Abu Dhabi Golf Club, Arabian Ranches, and Sharjah Golf & Shooting Club (AED 3,000 monthly spend)
ENBD Voyager World Elite Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Spend to unlockAED 5,000/month
Highlight2 rounds/month at 6 UAE courses including Arabian Ranches, Jebel Ali, and Abu Dhabi Golf Club (AED 5,000 monthly spend), alongside Voyager Miles earning and lounge access
Golf club coverage depends on each bank and the partner platform they work with (for example Thriwe, GolfLan, or concierge booking). For a deeper walkthrough of how booking, spend conditions, and cancellation penalties work in practice, read our guide to free golf with UAE credit cards. Here is the latest bank-level club coverage based on issuer pages and referenced golf program terms:
Emirates Islamic + Emirates NBD
Arabian Ranches Golf Club, The Track Meydan Golf, Jebel Ali Golf Club, Abu Dhabi Golf Club, Abu Dhabi City Golf Club, Sharjah Golf & Shooting Club. Combined because both issuers primarily use overlapping UAE club coverage via partner-network booking programs.
Citi
The Els Golf Club Dubai, Montgomerie Golf Club Dubai, Arabian Ranches Golf Club, Abu Dhabi Golf Club, Al Zorah Golf Club
Mashreq
Arabian Ranches Golf Club, The Els Golf Club Dubai, The Track Meydan Golf, Jebel Ali Golf Club, Abu Dhabi Golf Club
CBD
The Track Meydan Golf, Arabian Ranches Golf Club
ADCB
Arabian Ranches Golf Club Dubai, Abu Dhabi Golf Club. Published on both ADCB Traveller and ADCB TouchPoints Infinite pages under complimentary golf access terms.
DIB
Abu Dhabi Golf Club, Arabian Ranches Golf Club, Address Montgomerie Golf Club, The Track, Meydan Golf Club, The Els Club Golf Club, Sharjah Golf & Shooting Club. Published on DIB SHAMS Infinite card page golf benefit section.
Top cards for
Emirates Islamic + Emirates NBD
This cluster gives the broadest recurring UAE club coverage in our reviewed data, including Arabian Ranches, Track Meydan, Jebel Ali, Abu Dhabi Golf Club, Abu Dhabi City Golf Club, and Sharjah Golf & Shooting Club.
3.8/5
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
- EI SmartMiles welcome offer
- 3.75% cashback on international spend
- Unlimited rounds of golf
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
- Welcome Offer: AED 500 Cashback points
- Up to 8% cashback on your spends
- Switch between Lifestyle or Travel cashback category
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
- UAE Nationals only
- Up to 25,000 welcome UPoints
- 7.5% value back at Emaar
Top cards for
Citi
Citi is strongest for premium golfers targeting named clubs like The Els, Montgomerie, Arabian Ranches, Abu Dhabi Golf Club, and Al Zorah.
CITIBANK
Citi Prestige Credit Card
- 10,000 bonus points annually post payment of annual fee
- 3 Points on non-AED spends
- 2 Points on local spends
CITIBANK
Citi Ultima Credit Card
- 30,000 annual bonus miles
- 5 miles/USD non-AED
- 2.5 miles/USD in AED
Top cards for
Mashreq
Mashreq coverage includes Arabian Ranches, The Els, Track Meydan, Jebel Ali, and Abu Dhabi Golf Club, with Solitaire as the primary golf-focused pick.
MASHREQ BANK
Mashreq Solitaire Credit Card
- Welcome Bonus: AED 2,500
- 6 points per AED on international purchases
- Fitness First with spend
Top cards for
CBD
CBD Visa Infinite offers 4 rounds per month at The Track Meydan and Arabian Ranches after AED 10,000 monthly card spend.
COMMERCIAL BANK OF DUBAI (CBD)
CBD Visa Infinite Credit Card
- 3 Points per 1 AED spent
- Free Golf Rounds
- 50% Off Cinema Tickets
Top cards for
ADCB
ADCB currently publishes complimentary golf at Arabian Ranches and Abu Dhabi Golf Club on selected premium cards.
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Traveller Credit Card
- 10% Cashback on airline tickets
- 10% Cashback on hotel stays
- 1.5% Cashback on all domestic spends
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Infinite Credit Card
- 15,000 Touchpoints for spends of AED 15,000
- Welcome Bonus: AED 1,200 Expedia.ae Voucher
- 20% off on talabat orders
Top cards for
DIB
DIB SHAMS Infinite publishes one of the broadest listed club sets, including Abu Dhabi Golf Club, Arabian Ranches, Address Montgomerie, The Track Meydan, The Els, and Sharjah Golf & Shooting Club.
DUBAI ISLAMIC BANK
DIB SHAMS Infinite Credit Card
- 10 points/AED dining + travel
- 31 Fitness First visits/month
- 4 airport transfers/year
Free golf at
Arabian Ranches Golf Club
Two cards unlock unlimited access at Arabian Ranches: Emirates Islamic Flex Elite (unlimited rounds with AED 10,000 monthly spend) and Citi Prestige (unlimited weekdays plus one weekend round per month). DIB SHAMS Infinite gives 4 rounds/month with broader club coverage.
3.8/5
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
- EI SmartMiles welcome offer
- 3.75% cashback on international spend
- Unlimited rounds of golf
CITIBANK
Citi Prestige Credit Card
- 10,000 bonus points annually post payment of annual fee
- 3 Points on non-AED spends
- 2 Points on local spends
DUBAI ISLAMIC BANK
DIB SHAMS Infinite Credit Card
- 10 points/AED dining + travel
- 31 Fitness First visits/month
- 4 airport transfers/year
Free golf at
The Track, Meydan Golf
Emirates Islamic Flex Elite is the only card with unlimited rounds at Track Meydan (AED 10,000 monthly spend). DIB SHAMS Infinite offers 4 rounds/month across 6 clubs, and CBD Visa Infinite offers 4 rounds/month at Track Meydan and Arabian Ranches after AED 10,000 monthly card spend.
3.8/5
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
- EI SmartMiles welcome offer
- 3.75% cashback on international spend
- Unlimited rounds of golf
DUBAI ISLAMIC BANK
DIB SHAMS Infinite Credit Card
- 10 points/AED dining + travel
- 31 Fitness First visits/month
- 4 airport transfers/year
COMMERCIAL BANK OF DUBAI (CBD)
CBD Visa Infinite Credit Card
- 3 Points per 1 AED spent
- Free Golf Rounds
- 50% Off Cinema Tickets
Free golf at
Abu Dhabi Golf Club
Abu Dhabi Golf Club is the strongest course for unlimited play: Emirates Islamic Flex Elite gives unlimited rounds (AED 10,000 spend) and Citi Prestige gives unlimited weekdays plus one weekend round per month. DIB SHAMS Infinite adds 4 rounds/month at AED 8,000 spend.
3.8/5
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
- EI SmartMiles welcome offer
- 3.75% cashback on international spend
- Unlimited rounds of golf
CITIBANK
Citi Prestige Credit Card
- 10,000 bonus points annually post payment of annual fee
- 3 Points on non-AED spends
- 2 Points on local spends
DUBAI ISLAMIC BANK
DIB SHAMS Infinite Credit Card
- 10 points/AED dining + travel
- 31 Fitness First visits/month
- 4 airport transfers/year
Free golf at
The Els Club Dubai
The Els Club is named only under Citi Prestige (unlimited weekday rounds plus one weekend round per month) and DIB SHAMS Infinite (4 rounds/month across 6 named clubs).
CITIBANK
Citi Prestige Credit Card
- 10,000 bonus points annually post payment of annual fee
- 3 Points on non-AED spends
- 2 Points on local spends
DUBAI ISLAMIC BANK
DIB SHAMS Infinite Credit Card
- 10 points/AED dining + travel
- 31 Fitness First visits/month
- 4 airport transfers/year
Free golf at
Jebel Ali Golf Club
Jebel Ali is best paired with Emirates Islamic Flex Elite (unlimited rounds, AED 10,000 spend). Emirates Islamic Switch Cashback adds 2 rounds/month from an AED 10,000 salary, and ENBD Duo gives Abu Dhabi residents broad ENBD-network access.
3.8/5
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
- EI SmartMiles welcome offer
- 3.75% cashback on international spend
- Unlimited rounds of golf
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
- Welcome Offer: AED 500 Cashback points
- Up to 8% cashback on your spends
- Switch between Lifestyle or Travel cashback category
EMIRATES NBD
ENBD Duo Credit Card
- 5% rewards on grocery, utilities & fuel
- 0.5% on other spends
- Unlimited airport lounge access worldwide
Free golf at
Sharjah Golf & Shooting Club
Emirates Islamic Flex Elite leads with unlimited rounds at Sharjah G&S (AED 10,000 spend). DIB SHAMS Infinite adds 4 rounds/month at AED 8,000 spend, and Emirates Islamic Switch Cashback covers 2 rounds/month from an AED 10,000 salary.
3.8/5
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
- EI SmartMiles welcome offer
- 3.75% cashback on international spend
- Unlimited rounds of golf
DUBAI ISLAMIC BANK
DIB SHAMS Infinite Credit Card
- 10 points/AED dining + travel
- 31 Fitness First visits/month
- 4 airport transfers/year
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
- Welcome Offer: AED 500 Cashback points
- Up to 8% cashback on your spends
- Switch between Lifestyle or Travel cashback category
Free golf at
Address Montgomerie Golf Club
Montgomerie is named under Citi Prestige (unlimited weekday rounds plus one weekend round per month) and DIB SHAMS Infinite (4 rounds/month). Best for premium golfers focused on Dubai's signature courses.
CITIBANK
Citi Prestige Credit Card
- 10,000 bonus points annually post payment of annual fee
- 3 Points on non-AED spends
- 2 Points on local spends
DUBAI ISLAMIC BANK
DIB SHAMS Infinite Credit Card
- 10 points/AED dining + travel
- 31 Fitness First visits/month
- 4 airport transfers/year
Use case
Cards with the lowest spend threshold to unlock golf
Every golf benefit in our reviewed data requires a minimum monthly card spend — there is no confirmed zero-condition option. Emirates Islamic Cashback Plus has the lowest published threshold by a wide margin, at less than half of the next-cheapest card.
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
- Up to 10% cashback on groceries, education, dining, telecom
- Unlimited airport lounge access
- 2 rounds of complimentary golf per month
EMIRATES NBD
ENBD Darna Visa Signature Credit Card
- Welcome bonus: 3,000 Darna Points after AED 15,000 spend in 3 months
- 7.5% cashback on all spends at Aldar destinations
- Complimentary Darna Gold tier status
3.8/5
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
- EI SmartMiles welcome offer
- 3.75% cashback on international spend
- Unlimited rounds of golf
Why choose golf cards
1.
Bank-first comparison
This page is structured by bank coverage so you can shortlist cards by issuer network, then match your preferred UAE golf clubs.
2.
Terms-aware shortlist
We surface spend thresholds, booking windows, and monthly round limits so the golf perk can be compared as practical value.
3.
Balanced by bank and use case
Selections include premium travel cards and lower-salary cashback cards to match different golfer profiles and budgets.
39 cards in the UAE
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
DUBAI ISLAMIC BANK
DIB SHAMS Infinite Credit Card
- Salary: AED 20,000+
- First year fee-free
- 10 points/AED dining + travel
- 31 Fitness First visits/month
- 4 airport transfers/year
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Traveller Credit Card
- Salary: AED 20,000+
- Annual Fee: AED 1,575
- 10% Cashback on airline tickets
- 10% Cashback on hotel stays
- 1.5% Cashback on all domestic spends
EMIRATES NBD
ENBD Marriott Bonvoy World Elite
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Welcome Bonus: Up to 200,000 Points
- 6 points per USD 1 at Marriott hotels
- Gold Elite Status with Marriott
EMIRATES NBD
ENBD Visa Infinite Credit Card
- Salary: AED 30,000+
- Annual Fee: AED 1,575
- Up to 2 Points per AED 100 spent
- Airport lounge access via Visa Airport Companion.
- Complimentary Golf Access in the UAE.
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
- Salary: AED 30,000+
- Joining fee waived
- UAE Nationals only
- Up to 25,000 welcome UPoints
- 7.5% value back at Emaar
EMIRATES NBD
ENBD Dnata World Credit Card
- Salary: AED 20,000+
- Joining Fee: AED 1,048.95
- Annual Fee AED 1,048.95
- Welcome Offer: Up to 2,500 dnata Points
- Earn 15% dnata Points on dnata spends.
EMIRATES NBD
ENBD Mastercard Platinum Credit Card
- Salary: AED 12,000+
- AED 735 annual fee
- 900+ airport lounges worldwide
- 30% discount at 2000+ restaurants
- 40% discount at golf courses worldwide
EMIRATES NBD
ENBD Skywards Signature Credit Card
- Salary: AED 12,000+
- Joining Fee: AED 1,573.95
- Annual Fee: AED 735
- Up to 40,000 bonus Miles
- 1.5 Miles/USD on Emirates
EMIRATES NBD
ENBD Visa Flexi Credit Card
- Min Salary: AED 12,000
- AED 735 annual fee
- Up to 1.5 points per AED 100
- Lounge Access Included
- 30% discount at 2,000+ restaurants
EMIRATES NBD
ENBD Duo Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 840
- 5% rewards on grocery, utilities & fuel
- 0.5% on other spends
- Unlimited airport lounge access worldwide
EMIRATES NBD
ENBD Skywards Infinite Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 3,148.95
- Annual Fee: AED 1,575
- Up to 150,000 bonus Miles
- Skywards Silver membership
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Infinite Credit Card
- Salary: AED 30,000+
- Annual Fee: AED 2,625
- Bonus: 55,000 Etihad Guest Miles
- 7 Etihad Miles per AED 10 with Etihad
- Fast track to Etihad Gold membership.
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Platinum Credit Card
- Salary: AED 8,000+
- Annual Fee: AED 525
- Welcome Bonus: 10,000 Miles
- Up to 4 Etihad Miles per AED 10
- 2 airport transfers from AED 40
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Signature Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 1,575
- Bonus: 35,000 Etihad Miles
- 5.5 Etihad Miles per AED 10 with Etihad
- Fast track to Etihad Silver membership.
MASHREQ BANK
Mashreq Solitaire Credit Card
- Salary: AED 25,000+
- Annual Fee AED 1,500 +5% VAT
- Welcome Bonus: AED 2,500
- 6 points per AED on international purchases
- Fitness First with spend
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Saqer Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 943.95
- Welcome Bonus: 30,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per USD spent
- Fast-Track to Etihad Silver Status
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Premium Credit Card
- Salary: AED 20,000+
- Annual Fee: AED 2,625
- Welcome Bonus: Up to 55,000 Etihad Guest Miles
- Up to 3.5 Etihad Guest Miles per USD spent
- Fast-Track to Etihad Guest Gold Status
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Ameera Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 733.95
- Welcome Bonus: 20,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per USD spent
- Fast-Track to Etihad Silver Status
EMIRATES ISLAMIC
Emirates Islamic Skywards Signature Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 735
- Up to 1.5 Skywards Miles per USD spent
- 1 complimentary airport lounge visit yearly, with a guest
- 1 complimentary valet parking monthly
EMIRATES ISLAMIC
Emirates Islamic Skywards Infinite Credit Card
- Salary: AED 12,000+
- Up to 2 Skywards Miles per USD spent
- 2 complimentary airport lounge visits yearly, with a guest
- Automatic Skywards Silver Membership Upgrade
EMIRATES ISLAMIC
Emirates Islamic Skywards Black Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 5,775
- 3.5 Skywards miles/USD
- Fast-track to Skywards Gold
- 4 airport transfers/year
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 313.95
- Up to 10% cashback on groceries, education, dining, telecom
- Unlimited airport lounge access
- 2 rounds of complimentary golf per month
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first year
- Welcome Offer: AED 500 Cashback points
- Up to 8% cashback on your spends
- Switch between Lifestyle or Travel cashback category
3.8/5
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
COMMERCIAL BANK OF DUBAI (CBD)
CBD Visa Infinite Credit Card
- Salary: AED 15,000+
- No Annual Fee over AED 100,000 spends
- 3 Points per 1 AED spent
- Free Golf Rounds
- 50% Off Cinema Tickets
CITIBANK
Citi Prestige Credit Card
- Salary: AED 30,000+
- Annual Fee: AED 1,575
- 10,000 bonus points annually post payment of annual fee
- 3 Points on non-AED spends
- 2 Points on local spends
CITIBANK
Citi Premier Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 787.50
- Direct Citi applicants: AED 750 credit after AED 10,000 spend
- 3 ThankYou Points per USD on dining, fuel and grocery
- 2 ThankYou Points per USD on other international spend
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Infinite Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,050
- 15,000 Touchpoints for spends of AED 15,000
- Welcome Bonus: AED 1,200 Expedia.ae Voucher
- 20% off on talabat orders
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Platinum Credit Card
- Salary: AED 5,000+
- No Annual Fee for the First Year
- 10,000 Touchpoints for spends of AED 10,000
- Vox Cinema Buy one Get one offer
- 20% off on talabat orders
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+
EMIRATES NBD
ENBD Darna Visa Infinite Credit Card
- Salary: AED 30,000+
- Annual Fee: AED 1,575
- Welcome bonus: 7,500 Darna Points on payment of annual fee
- 10% cashback on all spends at Aldar destinations
- Complimentary Darna Platinum tier status
EMIRATES NBD
ENBD SHARE Infinite Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 1,575
- Annual Fee: AED 1,575
- 8% cashback at Majid Al Futtaim
- Welcome bonus: 10,000 SHARE Points
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
EMIRATES NBD
ENBD Darna Infinite Privilege Credit Card
- Salary: AED 50,000+
- Annual Fee: AED 2,625
- Welcome Offer: up to 25,000 Darna Points
- 10% back as Darna Points on all Aldar spends
- Complimentary Darna Invite only membership
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Private World Elite Credit Card
- ADCB Private clients only
- Exclusive to clients of ADCB Private
- Annual Fee: AED 7,875
- Up to 4 TouchPoints per AED spent
- Low foreign currency transaction fee of 0.99%
EMIRATES ISLAMIC
Emirates Islamic Amazon World Credit Card
- Salary: AED 15,000+
- No Annual Fee
- Welcome Bonus: up to AED 500 on qualifying spend in 60 days
- Up to 6% back in Amazon Rewards on your spends with no cap
- Up to 2 free items at Costa at Dubai airports
FIRST ABU DHABI BANK (FAB)
FAB ADNOC Rewards Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 15% back on ADNOC fuel spending
- 3% back on SALIK, DARB and Mawaqif
- 2% back on international spending
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 5,000–50,000 |
| 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 5,000–50,000 |
| 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 Golf Credit Cards in the UAE
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