These cards are selected for no annual fee structures in the current data. Always verify latest key facts statement before applying.
Best No Annual Fee Welcome Bonus Credit Cards in the UAE
Compare UAE credit cards with no annual fee that still provide a signup bonus in cashback, points, or partner credit.
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MASHREQ BANK
Mashreq Cashback Credit Card
AED 500 Welcome Bonus
Unlimited 5% Cashback on dining.
1% Cashback on international spends (non-dining)
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Talabat Credit Card
Welcome Bonus: AED 500 on spending AED 2,500 in 45 days
35% cashback on talabat orders (as talabat credit)
EMIRATES NBD
ENBD SHARE Signature Credit Card
6% cashback with Al Futtaim brands
1% cashback on other spends
Best No Annual Fee Welcome Bonus Credit Cards in the UAE 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 |
June Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
EMIRATES NBD
ENBD noon One Visa Credit Card
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
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EMIRATES NBD
ENBD noon One Visa Credit Card
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 |
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