Get notified about UAE latest credit card products
Get notified about UAE latest credit card products
UAE credit cards with zero annual and joining fees include Liv, Wio, Mashreq, ADCB Essential and Liv Tamayaz.
See cardsLast updated: - Updated monthly using latest public card terms and rewards data.
Wio rewards require an eligible plan.
These are the picks to start with when you want the rewards but not the commitment. Most accept AED 5,000 monthly salary, run fully digital applications, and don't require UAE credit history. Pair one with a fee-paying premium card later if your travel or category spend grows.
LIV DIGITAL BANK BY EMIRATES NBD
Up to 2% Cashback on all spends
Cashback or Skywards Miles
2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
MASHREQ BANK
AED 500 Welcome Bonus
Unlimited 5% Cashback on dining.
1% Cashback on international spends (non-dining)
ABU DHABI COMMERCIAL BANK (ADCB)
8 LuLu Points per AED 1 spent at LuLu stores
Up to 1.25 LuLu Points per AED 1 spent on all other spends
4 lounge visits/year
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | Up to 2% cashback on all spending, free for life, instant miles conversion |
 | Free | AED 5,000 | 6% at Union Coop, free for life, AED 5,000 minimum salary |
| Free | AED 5,000 | 5% on dining, 1% on everything else, AED 500 welcome bonus |
 | AED 588 (waivable) | AED 5,000 | 2% on most eligible spend, AED 2,500/month cap, qualifying plan required |
 | Free | AED 5,000 | 1% cashback on all spends, AED 350 welcome bonus, AED 5,000 salary |
| Free | AED 8,000 | 8 LuLu Points per AED 1 at LuLu stores, lounge access |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | Up to 2% cashback on all spending, free for life, instant miles conversion |
| Free | AED 5,000 | 6% at Union Coop, free for life, AED 5,000 minimum salary |
| Free | AED 5,000 | 5% on dining, 1% on everything else, AED 500 welcome bonus |
| AED 588 (waivable) | AED 5,000 | 2% on most eligible spend, AED 2,500/month cap, qualifying plan required |
| Free | AED 5,000 | 1% cashback on all spends, AED 350 welcome bonus, AED 5,000 salary |
| Free | AED 8,000 | 8 LuLu Points per AED 1 at LuLu stores, lounge access |
Liv Cashback Credit Card
Tamayaz Platinum Credit Card
Mashreq Cashback Credit Card
Wio Credit Card
ADCB Essential Cashback Credit Card
ADCB LuLu Platinum Credit Card
Use case
These picks earn flat cashback on most transaction types without restricting rewards to specific categories. Best for users who spread spend across dining, grocery, utilities, and online shopping.
WIO BANK
ABU DHABI COMMERCIAL BANK (ADCB)
LIV DIGITAL BANK BY EMIRATES NBD
Use case
If restaurant and cafe spend is a significant part of your monthly budget, Mashreq Cashback is the standout no-fee pick — 5% on dining with no annual fee.
MASHREQ BANK
Use case
For heavy supermarket spenders, these no-fee cards offer elevated cashback or points at UAE grocery chains — Liv Tamayaz at Union Coop and ADCB LuLu Platinum at LuLu stores.
LIV DIGITAL BANK BY EMIRATES NBD
ABU DHABI COMMERCIAL BANK (ADCB)
Use case
These no annual fee cards also carry a signup offer — cashback credited on first transactions — without a joining fee or annual fee.
MASHREQ BANK
ABU DHABI COMMERCIAL BANK (ADCB)
Use case
Low minimum salary, simple rewards structure, and zero annual fee make these picks straightforward for applicants who are new to credit cards in the UAE.
WIO BANK
ABU DHABI COMMERCIAL BANK (ADCB)
Free-for-life cards carry no annual fee waiver condition — the card stays free regardless of annual spend, with no minimum spending requirement to maintain the benefit.
Some no-fee cards deliver 2–6% cashback on specific categories, matching or exceeding returns on cards that charge AED 300–600 per year.
Most cards in this category start at AED 5,000 minimum salary, making them accessible to a wider range of applicants including those early in their career.
6 cards in the UAE
LIV DIGITAL BANK BY EMIRATES NBD
LIV DIGITAL BANK BY EMIRATES NBD
MASHREQ BANK
WIO BANK
ABU DHABI COMMERCIAL BANK (ADCB)
ABU DHABI COMMERCIAL BANK (ADCB)
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–8,000 |
| 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 5,000–8,000 |
| 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.
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
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.
Common questions about Best Free for Life Credit Cards UAE — No Annual Fee, No Waiver
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