Best Low-Interest Credit Cards in the UAE

No single UAE card is permanently the lowest — rates change and the Key Facts Statement (KFS) is the authoritative source. CBD Super Saver markets itself on competitive retail finance rates among conventional UAE cards. For revolving balances, Sharia-compliant cards like ADIB Cashback Covered are worth comparing — their profit-rate structure can deliver a lower effective cost.

UAE credit cards quote a monthly retail finance rate (typically 2.5%–4% per month) applied daily to the unpaid balance from the statement date, on a reducing-balance basis. The annual rate works out to roughly 30%–48% APR. Each card's Key Facts Statement (KFS) discloses the exact rate. Paying the statement in full each month avoids all interest.

No UAE card offers ongoing 0% interest, but several banks (Mashreq, ADCB, ENBD) run 0% balance-transfer promotions on transferred balances for a limited period, and many cards offer 0% equal installment plans on specific merchant categories. Check current promotions before applying.

Conventional UAE credit cards charge interest as a percentage of the revolving balance. Sharia-compliant cards charge a profit rate, often structured as a fixed monthly fee on the outstanding balance. The effective cost can be comparable or lower on the profit-rate model depending on the balance — worth modeling for your specific scenario.

Yes — if you have an existing balance and can pay it down within the promotional window. A 0% balance transfer for 6–12 months can save thousands of dirhams in interest versus leaving the balance on a 3%+/month card. Always factor the transfer fee (typically 1–3%) and the post-promotional rate before committing.