You get unlimited airport lounge access, a 24/7 concierge, strong travel cover, and faster miles or cashback. Annual fees start at AED 1,000+ and most need a salary of AED 15,000 or more.
Best High end cards
Premium UAE credit cards built for high earners.
See cardsLast updated: - Updated monthly using latest public card terms and rewards data.
Best High end cards compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
 | AED 5,775 | AED 35,000 | Up to 3.5 Skywards miles/USD, fast track to Gold tier |
 | AED 3,150 | AED 36,750 | 5 Citi Miles/USD on qualifying international spend, 2.5 miles/USD on local spend, 30K annual bonus miles |
 | AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED, about 3% value on airline/hotel redemptions; only Privilege removes the bank FX surcharge |
 | AED 735 (waivable) | AED 21,250 | 2 Membership Rewards points per AED 4 spent; 12 Priority Pass visits for the primary cardmember and 8 for one supplementary member |
 | AED 1,575 | AED 30,000 | Up to 100K welcome miles, complimentary Skywards Silver |
 | AED 1,575 (waivable) | AED 30,000 | UAE Nationals only: first year free, 7.5% Emaar value and published cinema, golf, valet and concierge allowances |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 5,775 | AED 35,000 | Up to 3.5 Skywards miles/USD, fast track to Gold tier |
| AED 3,150 | AED 36,750 | 5 Citi Miles/USD on qualifying international spend, 2.5 miles/USD on local spend, 30K annual bonus miles |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED, about 3% value on airline/hotel redemptions; only Privilege removes the bank FX surcharge |
| AED 735 (waivable) | AED 21,250 | 2 Membership Rewards points per AED 4 spent; 12 Priority Pass visits for the primary cardmember and 8 for one supplementary member |
| AED 1,575 | AED 30,000 | Up to 100K welcome miles, complimentary Skywards Silver |
| AED 1,575 (waivable) | AED 30,000 | UAE Nationals only: first year free, 7.5% Emaar value and published cinema, golf, valet and concierge allowances |
Emirates Islamic Skywards Black Credit Card
Annual feeAED 5,775
Min. salaryAED 35,000
HighlightUp to 3.5 Skywards miles/USD, fast track to Gold tier
Citi Ultima Credit Card
Annual feeAED 3,150
Min. salaryAED 36,750
Highlight5 Citi Miles/USD on qualifying international spend, 2.5 miles/USD on local spend, 30K annual bonus miles
RAKBANK Elevate Credit Card
Annual feeAED 51.45 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED, about 3% value on airline/hotel redemptions; only Privilege removes the bank FX surcharge
The American Express Platinum Credit Card
Annual feeAED 735 (waivable)
Min. salaryAED 21,250
Highlight2 Membership Rewards points per AED 4 spent; 12 Priority Pass visits for the primary cardmember and 8 for one supplementary member
ENBD Skywards Infinite Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightUp to 100K welcome miles, complimentary Skywards Silver
ENBD U By Emaar Visa Infinite Emirati Credit Card
Annual feeAED 1,575 (waivable)
Min. salaryAED 30,000
HighlightUAE Nationals only: first year free, 7.5% Emaar value and published cinema, golf, valet and concierge allowances
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
12 cards in the UAE
AMERICAN EXPRESS
The American Express Platinum Credit Card
- Salary: AED 21,250+
- Annual Fee: AED 735
- Earn 2 points for every AED 4 spent
- 12 Priority Pass lounge visits per year
- 10% cashback every month, up to AED 600 annually
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
EMIRATES ISLAMIC
Emirates Islamic Skywards Black Credit Card
- Salary: AED 35,000+
- Annual Fee: AED 5,775
- 3.5 Skywards miles/USD
- Fast-track to Skywards Gold
- 4 airport transfers/year
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
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
RAKBANK
RAKBANK Elevate Credit Card
- Salary: AED 35,000+
- Tier fee from AED 51.45/month
- Up to 4 RAKrewards/AED
- Up to 3.2% travel value
- Privilege: 0% bank FX fee
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
EMIRATES NBD
ENBD Skywards Infinite Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 3,148.95
- Annual Fee: AED 1,575
- Bonus: Up to 100,000 Skywards Miles
- Complimentary Emirates Skywards Silver membership
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Etihad Guest Infinite Credit Card
- Salary: AED 40,000+
- Annual Fee: AED 2,625
- Welcome Bonus: 60,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per 1 USD
- Up to 4 class upgrade vouchers
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
EMIRATES NBD
ENBD Marriott Bonvoy World Elite
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Welcome Bonus: Up to 150,000 Points
- 6 points per US$1 at Marriott hotels
- Gold Elite Status with Marriott
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 15,000–40,000 |
| 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 15,000–40,000 |
| 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 High end cards in the UAE
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