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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

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Get notified about UAE latest credit card products

Get notified about UAE latest credit card products

Best Mall Shopping Credit Cards

Best Mall Shopping Credit Cards

Compare top UAE credit cards for mall spending across Dubai Mall and Mall of the Emirates, including Emaar and SHARE-focused cards plus flexible cashback alternatives.

See cards

Last updated: July 28, 2026 - Updated using latest public card terms and rewards data.

ENBD U By Emaar Signature Credit Card Design

EMIRATES NBD

ENBD U By Emaar Signature Credit Card

≈ AED 20,867 potential value / year · incl. perks

Annual Fee: AED 262.50

6.25% cashback on Emaar spends

U By Emaar Gold Status

ExploreLearn more about ENBD U By Emaar Signature Credit Card credit card benefits and features
ENBD SHARE Signature Credit Card Design

EMIRATES NBD

ENBD SHARE Signature Credit Card

≈ AED 22,468 potential value / year · incl. perks

6% cashback with Al Futtaim brands

1% cashback on other spends

Welcome bonus: 5,000 SHARE Points

ExploreLearn more about ENBD SHARE Signature Credit Card credit card benefits and features
FAB Cashback Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Cashback Credit Card

≈ AED 12,856 potential value / year · incl. perks

5% cashback on fashion, dining, groceries

3% cashback on international spends

1% cashback on other retail spends

ExploreLearn more about FAB Cashback Credit Card credit card benefits and features

Shopping perks

Useful perks relevant to this card category.

Shopping bag with a discount badge in noon brand colours
Shopping

NOON

Save 10% on your noon order

  • Electronics, groceries, fashion, and home
  • Up to AED 25 off a single order
  • Offer runs to 31 December 2026
  • 10% off your noon order, up to AED 25
View perk

Best Mall Shopping Credit Cards compared

A side-by-side snapshot of annual fees, salary requirements, and standout benefits.

CardAnnual feeMin. salaryWhy it stands out
ENBD U By Emaar Family Credit Card
ENBD U By Emaar Family Credit Card
FreeAED 5,0005% on Emaar spends and 1% on all other spends
ENBD U By Emaar Signature Credit Card
ENBD U By Emaar Signature Credit Card
AED 262.50AED 12,0006.25% on Emaar spends with U by Emaar Gold status
ENBD U By Emaar Infinite Credit Card
ENBD U By Emaar Infinite Credit Card
AED 1,575AED 30,0007.5% Emaar redemption value and premium U by Emaar benefits
ENBD U By Emaar Visa Infinite Emirati Credit Card
ENBD U By Emaar Visa Infinite Emirati Credit Card
First year free; then AED 1,575AED 30,000UAE Nationals only, 7.5% Emaar value and up to 25,000 welcome UPoints
ENBD SHARE Signature Credit Card
ENBD SHARE Signature Credit Card
FreeAED 12,0006% at Al Futtaim brands and 1% on other spends
FAB SHARE Signature Credit Card
FAB SHARE Signature Credit Card
AED 525AED 10,0006% at Carrefour and Al Futtaim malls, with VOX cinema benefit 3× monthly
FAB SHARE Infinite Credit Card
FAB SHARE Infinite Credit Card
AED 1,050AED 25,0008% at partner malls and Carrefour, free global lounge access
FAB Cashback Credit Card
FAB Cashback Credit Card
AED 300AED 5,0005% on fashion, dining, and groceries with broader everyday value
Citi Cashback Credit Card
Citi Cashback Credit Card
AED 300AED 8,000Simple cashback structure for shoppers who prefer flat rewards
CardAnnual feeMin. salaryWhy it stands out
ENBD U By Emaar Family Credit Card
ENBD U By Emaar Family Credit Card
FreeAED 5,0005% on Emaar spends and 1% on all other spends
ENBD U By Emaar Signature Credit Card
ENBD U By Emaar Signature Credit Card
AED 262.50AED 12,0006.25% on Emaar spends with U by Emaar Gold status
ENBD U By Emaar Infinite Credit Card
ENBD U By Emaar Infinite Credit Card
AED 1,575AED 30,0007.5% Emaar redemption value and premium U by Emaar benefits
ENBD U By Emaar Visa Infinite Emirati Credit Card
ENBD U By Emaar Visa Infinite Emirati Credit Card
First year free; then AED 1,575AED 30,000UAE Nationals only, 7.5% Emaar value and up to 25,000 welcome UPoints
ENBD SHARE Signature Credit Card
ENBD SHARE Signature Credit Card
FreeAED 12,0006% at Al Futtaim brands and 1% on other spends
FAB SHARE Signature Credit Card
FAB SHARE Signature Credit Card
AED 525AED 10,0006% at Carrefour and Al Futtaim malls, with VOX cinema benefit 3× monthly
FAB SHARE Infinite Credit Card
FAB SHARE Infinite Credit Card
AED 1,050AED 25,0008% at partner malls and Carrefour, free global lounge access
FAB Cashback Credit Card
FAB Cashback Credit Card
AED 300AED 5,0005% on fashion, dining, and groceries with broader everyday value
Citi Cashback Credit Card
Citi Cashback Credit Card
AED 300AED 8,000Simple cashback structure for shoppers who prefer flat rewards
ENBD U By Emaar Family Credit Card

ENBD U By Emaar Family Credit Card

Annual feeFree
Min. salaryAED 5,000
Highlight5% on Emaar spends and 1% on all other spends
ENBD U By Emaar Signature Credit Card

ENBD U By Emaar Signature Credit Card

Annual feeAED 262.50
Min. salaryAED 12,000
Highlight6.25% on Emaar spends with U by Emaar Gold status
ENBD U By Emaar Infinite Credit Card

ENBD U By Emaar Infinite Credit Card

Annual feeAED 1,575
Min. salaryAED 30,000
Highlight7.5% Emaar redemption value and premium U by Emaar benefits
ENBD U By Emaar Visa Infinite Emirati Credit Card

ENBD U By Emaar Visa Infinite Emirati Credit Card

Annual feeFirst year free; then AED 1,575
Min. salaryAED 30,000
HighlightUAE Nationals only, 7.5% Emaar value and up to 25,000 welcome UPoints
ENBD SHARE Signature Credit Card

ENBD SHARE Signature Credit Card

Annual feeFree
Min. salaryAED 12,000
Highlight6% at Al Futtaim brands and 1% on other spends
FAB SHARE Signature Credit Card

FAB SHARE Signature Credit Card

Annual feeAED 525
Min. salaryAED 10,000
Highlight6% at Carrefour and Al Futtaim malls, with VOX cinema benefit 3× monthly
FAB SHARE Infinite Credit Card

FAB SHARE Infinite Credit Card

Annual feeAED 1,050
Min. salaryAED 25,000
Highlight8% at partner malls and Carrefour, free global lounge access
FAB Cashback Credit Card

FAB Cashback Credit Card

Annual feeAED 300
Min. salaryAED 5,000
Highlight5% on fashion, dining, and groceries with broader everyday value
Citi Cashback Credit Card

Citi Cashback Credit Card

Annual feeAED 300
Min. salaryAED 8,000
HighlightSimple cashback structure for shoppers who prefer flat rewards

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.

See all
ENBD noon One Visa Credit Card Design
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
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
EXCLUSIVE OFFER
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
ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design
EXCLUSIVE OFFER

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
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Why choose mall shopping cards

1.

Mall-network-specific optimization

Dubai Mall and Mall of the Emirates reward structures differ significantly, so this page separates Emaar and SHARE ecosystems before comparing broad cashback cards.

2.

Fee-aware shortlisting

You can compare no-fee, mid-tier, and premium cards in one place to see where higher annual fees are justified by stronger mall earn rates.

3.

Built for UAE shopping behavior

The shortlist prioritizes cards used in the two highest-intent mall shopping journeys from our editorial research references.

15 cards in the UAE

ENBD U By Emaar Family Credit Card Design

EMIRATES NBD

ENBD U By Emaar Family Credit Card

  • Salary: AED 5,000+
  • No Annual Fee
  • 1% cashback on all spends
  • 5% cashback on Emaar spends
  • Buy 1 Get 1 Free Movie Tickets.
ExploreLearn more about ENBD U By Emaar Family Credit Card credit card benefits and featuresApplyApply for ENBD U By Emaar Family Credit Card credit card
ENBD U By Emaar Signature Credit Card Design

EMIRATES NBD

ENBD U By Emaar Signature Credit Card

  • Min Salary: AED 12,000
  • Joining Fee: AED 525
  • Annual Fee: AED 262.50
  • 6.25% cashback on Emaar spends
  • U By Emaar Gold Status
ExploreLearn more about ENBD U By Emaar Signature Credit Card credit card benefits and featuresApplyApply for ENBD U By Emaar Signature Credit Card credit card
ENBD U By Emaar Infinite Credit Card Design

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
ExploreLearn more about ENBD U By Emaar Infinite Credit Card credit card benefits and featuresApplyApply for ENBD U By Emaar Infinite Credit Card credit card
ENBD U By Emaar Visa Infinite Emirati Credit Card Design

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
ExploreLearn more about ENBD U By Emaar Visa Infinite Emirati Credit Card credit card benefits and featuresApplyApply for ENBD U By Emaar Visa Infinite Emirati Credit Card credit card
ENBD SHARE Platinum Credit Card Design

EMIRATES NBD

ENBD SHARE Platinum Credit Card

  • Salary: AED 5,000+
  • No Annual Fee
  • 4% cashback with Al Futtaim brands
  • 0.75% cashback on other spends
  • Buy 1 get 1 movie ticket at VOX Cinemas
ExploreLearn more about ENBD SHARE Platinum Credit Card credit card benefits and features
ENBD SHARE Signature Credit Card Design

EMIRATES NBD

ENBD SHARE Signature Credit Card

  • Salary: AED 12,000+
  • No Annual Fee
  • 6% cashback with Al Futtaim brands
  • 1% cashback on other spends
  • Welcome bonus: 5,000 SHARE Points
ExploreLearn more about ENBD SHARE Signature Credit Card credit card benefits and features
ENBD SHARE Infinite Credit Card Design

EMIRATES NBD

ENBD SHARE Infinite Credit Card

  • Salary: AED 30,000+
  • Joining Fee: AED 1,575
  • Annual Fee: AED 1,575
  • 8% cashback with Al Futtaim brands
  • Welcome bonus: 10,000 SHARE Points
ExploreLearn more about ENBD SHARE Infinite Credit Card credit card benefits and features
FAB SHARE Platinum Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB SHARE Platinum Credit Card

  • Salary: AED 5,000+
  • No Annual Fee
  • 4% at malls & Carrefour
  • 1% international
  • 2-for-1 VOX monthly
ExploreLearn more about FAB SHARE Platinum Credit Card credit card benefits and features
FAB SHARE Signature Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB SHARE Signature Credit Card

  • Salary: AED 10,000+
  • Annual Fee: AED 525
  • 5,000 bonus SHARE points
  • 6% at malls & Carrefour
  • 2-for-1 VOX 3× monthly
ExploreLearn more about FAB SHARE Signature Credit Card credit card benefits and features
FAB SHARE Infinite Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB SHARE Infinite Credit Card

  • Salary: AED 25,000+
  • Annual Fee: AED 1,050
  • 10,000 bonus SHARE points
  • 8% at malls & Carrefour
  • Free lounge access
ExploreLearn more about FAB SHARE Infinite Credit Card credit card benefits and features
FAB Cashback Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Cashback Credit Card

  • Salary: AED 5,000+
  • Annual Fee: AED 315
  • 5% cashback on fashion, dining, groceries
  • 3% cashback on international spends
  • 1% cashback on other retail spends
ExploreLearn more about FAB Cashback Credit Card credit card benefits and featuresApplyApply for FAB Cashback Credit Card credit card
FAB Elite Credit Card Design

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+
ExploreLearn more about FAB Elite Credit Card credit card benefits and featuresApplyApply for FAB Elite Credit Card credit card
Citi Cashback Credit Card Design

CITIBANK

Citi Cashback Credit Card

  • Salary: AED 8,000+
  • No Annual Fee for the first year
  • 3% Cashback on non-AED spends
  • 2% Cashback on grocery/supermarket spends
  • 1% Cashback on all other spend
ExploreLearn more about Citi Cashback Credit Card credit card benefits and features
Citi Ultima Credit Card Design

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
ExploreLearn more about Citi Ultima Credit Card credit card benefits and featuresApplyApply for Citi Ultima Credit Card credit card
Emirates Islamic Flex Elite Credit Card Design
LIMITED OFFER
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
ExploreLearn more about Emirates Islamic Flex Elite Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Flex Elite Credit Card credit card

Eligibility criteria

General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.

Minimum age21 years
Monthly salaryAED 5,000–40,000
EmploymentSalaried employees or self-employed professionals
ResidencyUAE residents with a valid Emirates ID and residence visa
Credit historyAECB credit score is checked; a clean record strengthens approval
Minimum age21 years
Monthly salaryAED 5,000–40,000
EmploymentSalaried employees or self-employed professionals
ResidencyUAE residents with a valid Emirates ID and residence visa
Credit historyAECB 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 Mall Shopping Credit Cards in the UAE

If most of your spend is concentrated in one mall network, dedicated cards usually return more. If your spend is spread across many merchants, a broad cashback card is often easier to maximize.

For frequent Dubai Mall shoppers, U by Emaar cards are usually the most relevant because they are designed around Emaar ecosystem earning and benefits.

For Mall of the Emirates and Al Futtaim ecosystem spending, SHARE cards are usually the closest fit because they are aligned to SHARE points and related partner categories.

Not always. Premium travel cards can be strong if your redemption value on miles is high, but mall co-branded cards are typically better for direct mall-centric value.

At least every few months. Issuers can update reward rates, caps, partner conditions, and annual fee campaigns during the year.

Compare head-to-head

ENBD SHARE Platinum Credit Card
vs
ENBD SHARE Signature Credit Card

ENBD SHARE Platinum vs SHARE Signature

ENBD SHARE Platinum Credit Card
vs
FAB SHARE Platinum Credit Card

ENBD SHARE Platinum vs FAB SHARE Platinum

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