A metal credit card has a physical card body made from stainless steel or a metal-polymer composite, making it heavier than standard plastic cards. The metal material itself is a status signal; the real benefits come from the premium card tier — unlimited lounges, concierge, premium insurance, higher rewards rates.
Best Metal Credit Cards in the UAE
Premium UAE metal credit cards: Mashreq Solitaire, Citi Prestige, Citi Ultima, FAB Elite, ADCB Private World Elite, ENBD Marriott Bonvoy World Elite.
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MASHREQ BANK
Mashreq Solitaire Credit Card
Welcome Bonus: AED 2,500
6 points per AED on international purchases
Unlimited Fitness First Visits
CITIBANK
Citi Prestige Credit Card
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
EMIRATES NBD
ENBD Marriott Bonvoy World Elite
Welcome Bonus: Up to 150,000 Points
6 points per US$1 at Marriott hotels
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 1,500 | AED 30,000 | Metal Visa Infinite — unlimited Priority Pass, concierge, ThankYou Points convertible to miles |
 | AED 3,000 |
June Spotlight
Liv by Emirates NBD
Liv by Emirates NBD offers fully digital credit cards designed for everyday spenders and lifestyle-focused users. The lineup covers cashback-led options and Tamayaz travel rewards, giving users flexibility across groceries, dining, travel, and online spending.
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
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
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MASHREQ BANK
Mashreq Solitaire Credit Card
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)
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