Most Beautiful Credit Cards in the UAE
Distinctive artwork, bold colour and understated designs worth a closer look.
See cardsLast updated: - Sourced from official issuer documents and product pages.
Explore FAB Travel, Flex Elite, Ziina, Mal and five more striking UAE cards.
This is an editorial selection by appearance. It includes credit cards alongside Ziina's prepaid card and Mal's upcoming debit card. Mal is currently open for waitlist registration; its products remain in development. Compare each product's fees, eligibility and benefits before choosing.
The collection at a glance
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 20,000 | Travel credit card |
 | AED 735 | AED 15,000 | Islamic credit card |
 | Free | N/A | Prepaid card; spends your own balance |
 | Varies | N/A | Upcoming debit card; waitlist open |
 | AED 945 | AED 8,000 | Islamic credit card for UAE nationals |
 | AED 630 | AED 15,000 | Islamic credit card for UAE nationals |
 | AED 943.95 | AED 12,000 | Etihad Guest Islamic credit card |
 | AED 1,260 | AED 40,000 | Premium credit card |
 | Free | AED 5,000 | noon co-branded Visa credit card |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 20,000 | Travel credit card |
| AED 735 | AED 15,000 | Islamic credit card |
| Free | N/A | Prepaid card; spends your own balance |
| Varies | N/A | Upcoming debit card; waitlist open |
| AED 945 | AED 8,000 | Islamic credit card for UAE nationals |
| AED 630 | AED 15,000 | Islamic credit card for UAE nationals |
| AED 943.95 | AED 12,000 | Etihad Guest Islamic credit card |
| AED 1,260 | AED 40,000 | Premium credit card |
| Free | AED 5,000 | noon co-branded Visa credit card |
FAB Travel Credit Card
Annual feeAED 1,575
Min. salaryAED 20,000
HighlightTravel credit card
Emirates Islamic Flex Elite Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightIslamic credit card
Ziina Card
Annual feeFree
Min. salaryN/A
HighlightPrepaid card; spends your own balance
Mal Debit Card
Annual feeVaries
Min. salaryN/A
HighlightUpcoming debit card; waitlist open
ADCB Islamic Emirati Credit Card
Annual feeAED 945
Min. salaryAED 8,000
HighlightIslamic credit card for UAE nationals
FAB Emirati Islamic Credit Card
Annual feeAED 630
Min. salaryAED 15,000
HighlightIslamic credit card for UAE nationals
Emirates Islamic Etihad Guest Saqer Credit Card
Annual feeAED 943.95
Min. salaryAED 12,000
HighlightEtihad Guest Islamic credit card
FAB Elite Credit Card
Annual feeAED 1,260
Min. salaryAED 40,000
HighlightPremium credit card
ENBD noon One Visa Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlightnoon co-branded Visa credit card
October 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
9 cards in the UAE
FIRST ABU DHABI BANK (FAB)
FAB Travel Credit Card
- Salary: AED 20,000+
- Annual Fee: AED 1,575
- Flight voucher after AED 300,000 spend
- 12% cashback on flights and hotel bookings
- No FX fees
3.8/5
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
ZIINA
Ziina Card
- Free by default; Violet plan AED 100/month
- No Ziina international transaction fee within each plan's allowance
- Cashback at selected brands (Violet)
- Lifestyle perks bundled with Violet
- No ATM withdrawals
MAL
Mal Debit Card
- Waitlist open
- Transfers in 40+ currencies
- AI money assistant
- Instant transfers between your accounts
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Emirati Credit Card
- Salary: AED 8,000+
- Annual Fee: AED 945
- Exclusive for UAE nationals
- 7% cashback on 7 categories
- 1% cashback on all other domestic and international spends
FIRST ABU DHABI BANK (FAB)
FAB Emirati Islamic Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 630
- Exclusive for UAE nationals
- Up to 15 FAB Rewards per AED spent
- Free valet parking 5 times a month across the UAE
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Saqer Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 943.95
- Welcome Bonus: 30,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per USD spent
- Fast-Track to Etihad Silver Status
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+
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
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Credit cards | Salary, age and credit checks depend on the issuer and card; see each card's details. |
| Emirati cards | ADCB Islamic Emirati and FAB Emirati Islamic are for UAE nationals. |
| Ziina | Prepaid card with no revolving credit line; issuer onboarding checks apply. |
| Mal | Waitlist registration only; the upcoming product's eligibility is not yet published. |
| Credit cards | Salary, age and credit checks depend on the issuer and card; see each card's details. |
| Emirati cards | ADCB Islamic Emirati and FAB Emirati Islamic are for UAE nationals. |
| Ziina | Prepaid card with no revolving credit line; issuer onboarding checks apply. |
| Mal | Waitlist registration only; the upcoming product's eligibility is not yet published. |
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
Credit card applications
1.Open the card's details for its issuer-specific document checklist.
2.Prepare the identity and income documents requested by the bank.
Ziina and Mal
1.Follow Ziina's in-app onboarding instructions for its prepaid card.
2.Mal currently accepts waitlist registrations; follow its registration flow.
Frequently asked questions
Common questions about Most Beautiful Credit Cards in the UAE
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