Best No Annual Fee UAE Credit Cards with a Welcome Bonus
Compare no-annual-fee UAE cards that still include a signup bonus.
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Good to know
Rewards may come as cashback, points, or partner credit.
Best cashback bonus
MASHREQ BANK
Mashreq Cashback Credit Card
≈ AED 6,480 potential value / year
3.4/5
AED 500 Welcome Bonus
Unlimited 5% Cashback on dining.
1% Cashback on international spends (non-dining)
Best delivery bonus
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Talabat Credit Card
≈ AED 10,036 potential value / year · incl. perks · incl. welcome bonus
Up to AED 750 welcome bonus
35% cashback on talabat orders (as talabat credit)
1.25% cashback on other spends (as talabat credit)
4 lounge visits/year
Best points bonus
EMIRATES NBD
ENBD SHARE Signature Credit Card
≈ AED 22,468 potential value / year · incl. perks
6% cashback at Majid Al Futtaim
1% cashback on other spends
Welcome bonus: 5,000 SHARE Points
Best No Annual Fee UAE Credit Cards with a Welcome Bonus compared
A side-by-side snapshot of joining fees, salary requirements, and standout benefits.
| Card | Joining fee | Min. salary | Why it stands out |
|---|---|---|---|
 | Free | AED 5,000 | AED 500 welcome bonus after AED 5,000 spend in first 2 months |
| Free | AED 5,000 | AED 500 talabat credit after AED 2,500 spend in first 45 days |
| Free | AED 5,000 | AED 500 cashback welcome bonus for new customers after AED 5,000 spend in first 2 months |
 | Free | AED 5,000 | AED 500 welcome bonus after meeting campaign spend threshold |
| Free | AED 12,000 | 5,000 SHARE Points welcome bonus after qualifying spend |
| Card | Joining fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | AED 500 welcome bonus after AED 5,000 spend in first 2 months |
| Free | AED 5,000 | AED 500 talabat credit after AED 2,500 spend in first 45 days |
| Free | AED 5,000 | AED 500 cashback welcome bonus for new customers after AED 5,000 spend in first 2 months |
| Free | AED 5,000 | AED 500 welcome bonus after meeting campaign spend threshold |
| Free | AED 12,000 | 5,000 SHARE Points welcome bonus after qualifying spend |
ENBD noon One Visa Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightAED 500 welcome bonus after AED 5,000 spend in first 2 months
ADCB Talabat Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightAED 500 talabat credit after AED 2,500 spend in first 45 days
Mashreq Cashback Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightAED 500 cashback welcome bonus for new customers after AED 5,000 spend in first 2 months
Mashreq Noon Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightAED 500 welcome bonus after meeting campaign spend threshold
ENBD SHARE Signature Credit Card
Joining feeFree
Min. salaryAED 12,000
Highlight5,000 SHARE Points welcome bonus after qualifying spend
November 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 No Annual Fee
1.
No fee pressure in year one
You can capture welcome bonus value without paying annual card membership cost.
2.
Lower break-even threshold
Because annual fee is zero, your first-year net value is easier to keep positive.
3.
Good for first-time optimizers
These cards are simpler to test if you are starting with welcome-offer strategy.
5 cards in the UAE
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
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Talabat Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Up to AED 750 welcome bonus
- 35% cashback on talabat orders (as talabat credit)
- 1.25% cashback on other spends (as talabat credit)
3.4/5
MASHREQ BANK
Mashreq Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 Welcome Bonus
- Unlimited 5% Cashback on dining.
- 1% Cashback on international spends (non-dining)
MASHREQ BANK
Mashreq Noon Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500
- Free Delivery on Noon Express
- Up to 5% cashback on noon purchases
EMIRATES NBD
ENBD SHARE Signature Credit Card
- Salary: AED 12,000+
- No Annual Fee
- 6% cashback at Majid Al Futtaim
- 1% cashback on other spends
- Welcome bonus: 5,000 SHARE Points
How to pick a free card with welcome bonus
Follow these steps to complete your application.
1.Filter by bonus type you prefer: direct cashback, partner credit, or points
2.Check spend condition and bonus posting timeline before applying
3.Prioritize cards with no annual fee and clear exclusions list
4.Track first 45-90 days of eligible spend to avoid missing the bonus
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 5,000–12,000 |
| 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 5,000–12,000 |
| 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 No Annual Fee UAE Credit Cards with a Welcome Bonus
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