Options include Mashreq Solitaire, Citi Prestige, Citi Ultima, FAB Elite, ADCB Private World Elite, ENBD Marriott Bonvoy World Elite.
MASHREQ BANK
Mashreq Solitaire Credit Card
≈ AED 12,256 potential value / year · incl. perks
Welcome Bonus: AED 2,500
6 points per AED on international purchases
Unlimited Fitness First Visits
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
EMIRATES NBD
ENBD Marriott Bonvoy World Elite
≈ AED 25,608 potential value / year · incl. perks · incl. welcome bonus
Welcome Bonus: Up to 150,000 Points
6 points per USD 1 at Marriott hotels
Gold Elite Status with Marriott
Best Metal 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 | Metal card with up to AED 2,500 welcome cashback, unlimited lounges, and concierge |
| AED 1,575 | AED 30,000 | Metal Mastercard World Elite — 14 Mastercard Travel Pass visits, concierge, and ThankYou Points convertible to miles |
 | AED 3,150 | AED 36,750 | Top-tier metal — 14 Mastercard Travel Pass visits, dedicated concierge, and premium travel insurance |
 | AED 1,200 | AED 50,000 | Metal Elite tier for high-net-worth FAB customers — luxury rewards and travel privileges |
 | Premium | AED 50,000+ | ADCB Private banking metal card — invitation-only for high-net-worth clients |
| Paid | AED 25,000 | Metal World Elite earning Marriott Bonvoy points; complimentary Silver status |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 25,000 | Metal card with up to AED 2,500 welcome cashback, unlimited lounges, and concierge |
| AED 1,575 | AED 30,000 | Metal Mastercard World Elite — 14 Mastercard Travel Pass visits, concierge, and ThankYou Points convertible to miles |
| AED 3,150 | AED 36,750 | Top-tier metal — 14 Mastercard Travel Pass visits, dedicated concierge, and premium travel insurance |
| AED 1,200 | AED 50,000 | Metal Elite tier for high-net-worth FAB customers — luxury rewards and travel privileges |
| Premium | AED 50,000+ | ADCB Private banking metal card — invitation-only for high-net-worth clients |
| Paid | AED 25,000 | Metal World Elite earning Marriott Bonvoy points; complimentary Silver status |
Mashreq Solitaire Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
HighlightMetal card with up to AED 2,500 welcome cashback, unlimited lounges, and concierge
Citi Prestige Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightMetal Mastercard World Elite — 14 Mastercard Travel Pass visits, concierge, and ThankYou Points convertible to miles
Citi Ultima Credit Card
Annual feeAED 3,150
Min. salaryAED 36,750
HighlightTop-tier metal — 14 Mastercard Travel Pass visits, dedicated concierge, and premium travel insurance
FAB Elite Credit Card
Annual feeAED 1,200
Min. salaryAED 50,000
HighlightMetal Elite tier for high-net-worth FAB customers — luxury rewards and travel privileges
ADCB Private World Elite Credit Card
Annual feePremium
Min. salaryAED 50,000+
HighlightADCB Private banking metal card — invitation-only for high-net-worth clients
ENBD Marriott Bonvoy World Elite
Annual feePaid
Min. salaryAED 25,000
HighlightMetal World Elite earning Marriott Bonvoy points; complimentary Silver status
September 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
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
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
Why choose Metal Credit Cards in the UAE
1.
What makes a metal credit card?
Metal cards are physically made from stainless steel or a metal-polymer composite — heavier than standard plastic cards. The material is mostly a status signal; the benefits (lounge access, concierge, premium insurance) come from the card tier, not the metal itself.
2.
Metal cards skew premium and ultra-premium
UAE metal cards typically require AED 25,000+ monthly salary. The benefits make sense for frequent travelers, high spenders (AED 15,000+/month on the card), or HSBC-Premier/ADCB-Private style relationship banking customers.
6 cards in the UAE
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
- Unlimited Fitness First Visits
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 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
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+
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Private World Elite Credit Card
- Salary: AED 200,000+
- 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 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 USD 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 25,000–200,000 |
| 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 25,000–200,000 |
| 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 Metal Credit Cards in the UAE
Related Collections
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