From AED 20,000 salary.
Best Hotel Rewards Credit Cards in the UAE
Compare UAE hotel credit cards: Marriott Bonvoy points, 4th-night-free stays, and up to 12% cashback on flights and hotel bookings.
See cardsLast updated: - Updated monthly using latest public card terms and rewards data.
EMIRATES NBD
ENBD Marriott Bonvoy World Elite
≈ AED 12,504 potential value / year · incl. perks
Top 18%
Welcome Bonus: Up to 150,000 Points
6 points per US$1 at Marriott hotels
Gold Elite Status with Marriott
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Traveller Credit Card
≈ AED 20,880 potential value / year · incl. perks
Top 2%
10% Cashback on airline tickets
10% Cashback on hotel stays
1.5% Cashback on all domestic spends
FIRST ABU DHABI BANK (FAB)
FAB Travel Credit Card
≈ AED 22,844 potential value / year · incl. perks
Bottom 35%
Free flight each year to over 15 destinations
12% cashback on flights and hotel bookings
No FX fees
Best Hotel Rewards Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 25,000 | 6 Marriott Bonvoy points/USD at Marriott hotels, Gold Elite status, up to 150,000 welcome points |
| AED 1,575 | AED 20,000 | 10% cashback on hotel stays, GHA DISCOVERY Titanium status at 500+ luxury hotels, 0% FX fees |
| AED 1,575 | AED 25,000 | 12% cashback on flights and hotels, free annual return flight, no FX fees |
 | AED 1,575 | AED 30,000 | 4th night free at hotels worldwide, ThankYou Rewards on international spend |
 | AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED, about 3% value on airline and hotel reward redemptions; only Privilege removes the bank FX surcharge |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 25,000 | 6 Marriott Bonvoy points/USD at Marriott hotels, Gold Elite status, up to 150,000 welcome points |
| AED 1,575 | AED 20,000 | 10% cashback on hotel stays, GHA DISCOVERY Titanium status at 500+ luxury hotels, 0% FX fees |
| AED 1,575 | AED 25,000 | 12% cashback on flights and hotels, free annual return flight, no FX fees |
| AED 1,575 | AED 30,000 | 4th night free at hotels worldwide, ThankYou Rewards on international spend |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED, about 3% value on airline and hotel reward redemptions; only Privilege removes the bank FX surcharge |
ENBD Marriott Bonvoy World Elite
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight6 Marriott Bonvoy points/USD at Marriott hotels, Gold Elite status, up to 150,000 welcome points
ADCB Traveller Credit Card
Annual feeAED 1,575
Min. salaryAED 20,000
Highlight10% cashback on hotel stays, GHA DISCOVERY Titanium status at 500+ luxury hotels, 0% FX fees
FAB Travel Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight12% cashback on flights and hotels, free annual return flight, no FX fees
Citi Prestige Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
Highlight4th night free at hotels worldwide, ThankYou Rewards on international spend
RAKBANK Elevate Credit Card
Annual feeAED 51.45 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED, about 3% value on airline and hotel reward redemptions; only Privilege removes the bank FX surcharge
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.
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
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
Why choose Hotel rewards
1.
Loyalty points vs. cashback — pick based on where you stay
Marriott Bonvoy points concentrate value at Marriott-family hotels (Sheraton, Westin, The Ritz-Carlton, W, and 30+ other brands). Cashback-style hotel cards return flat AED value regardless of chain — better if your stays aren't loyal to one hotel group.
2.
Hotel status can outweigh the points themselves
GHA DISCOVERY Titanium (ADCB Traveller) and Marriott Bonvoy Gold Elite (ENBD Marriott Bonvoy) both add room upgrades, late checkout, and guaranteed availability — perks that show up on every stay, not just award redemptions.
3.
Check the redemption value, not just the earn rate
A hotel loyalty point's advertised earn rate is only half the picture — the AED value depends on how you redeem it. A free-night redemption typically pays close to double the lower-value cash-out option.
5 cards in the UAE
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
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
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
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
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
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 20,000–35,000 |
| 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 20,000–35,000 |
| 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 Hotel Rewards Credit Cards in the UAE
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