Best Credit Cards for Ounass UAE
Compare UAE credit cards for Ounass luxury fashion: Ziina earns 100% cashback at selected partner brands, FAB Cashback earns 5% on fashion, SIB Cashback earns 10% on online spend.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
ZIINA
Ziina Card
≈ AED 114,996 potential value / year · incl. perks · Violet tier
Cashback at selected brands (Violet)
Lifestyle perks bundled with Violet
FIRST ABU DHABI BANK (FAB)
FAB Cashback Credit Card
≈ AED 12,856 potential value / year · incl. perks
5% cashback on fashion, dining, groceries
3% cashback on international spends
1% cashback on other retail spends
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
≈ AED 10,816 potential value / year · incl. perks
3.8/5
10% Cashback on online and digital wallet spends
2% Cashback on international spends
1% Cashback on domestic retail spends
Best Credit Cards for Ounass UAE compared
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 | 100% cashback at selected partner brands including luxury fashion, AED 100/month fee, no salary requirement |
| AED 315 | AED 5,000 | 5% cashback on fashion spend including Ounass, AED 300 annual fee, from AED 5,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on online spend including Ounass.com, from AED 8,000 |
 | AED 735 | AED 15,000 | Up to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000 |
 | AED 1,575 | AED 25,000 | 3% flat cashback on all spend up to AED 1,500/month, from AED 25,000 |
 | AED 588 (waivable) | AED 5,000 | 2% on eligible fashion spend, no separate card annual fee — qualifying plan required |
 | AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED on eligible online shopping; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | 100% cashback at selected partner brands including luxury fashion, AED 100/month fee, no salary requirement |
| AED 315 | AED 5,000 | 5% cashback on fashion spend including Ounass, AED 300 annual fee, from AED 5,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on online spend including Ounass.com, from AED 8,000 |
| AED 735 | AED 15,000 | Up to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000 |
| AED 1,575 | AED 25,000 | 3% flat cashback on all spend up to AED 1,500/month, from AED 25,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible fashion spend, no separate card annual fee — qualifying plan required |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED on eligible online shopping; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
Ziina Card
Annual feeFree
Min. salaryAED 5,000
Highlight100% cashback at selected partner brands including luxury fashion, AED 100/month fee, no salary requirement
FAB Cashback Credit Card
Annual feeAED 315
Min. salaryAED 5,000
Highlight5% cashback on fashion spend including Ounass, AED 300 annual fee, from AED 5,000
SIB Cashback Credit Card
Annual feeAED 199 (waivable)
Min. salaryAED 8,000
Highlight10% cashback on online spend including Ounass.com, from AED 8,000
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000
Invest Bank World Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight3% flat cashback on all spend up to AED 1,500/month, from AED 25,000
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on eligible fashion spend, no separate card annual fee — qualifying plan required
RAKBANK Elevate Credit Card
Annual feeAED 51.45 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED on eligible online shopping; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000
August 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
- Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
- Get 20% back as noon credits when you spend on noon food
- Get 5% back as noon credits when you spend on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
Why use a credit card for Ounass shopping
1.
Fashion category cards earn at Ounass and across all platforms
FAB Cashback earns 5% on fashion spend regardless of where you shop — Ounass, Namshi, 6th Street, or international designer sites. No platform lock-in.
2.
Ounass purchases are online retail — 10% online cards fully apply
SIB Cashback earns 10% on all online purchases. Because Ounass is an e-commerce platform, the full 10% online rate applies automatically to every order.
3.
High-value orders amplify cashback returns
Luxury fashion items at Ounass typically carry high unit prices. Even a 2–5% cashback rate returns meaningful value on designer purchases compared to everyday spending.
How to choose the right card for Ounass
1.
Platform-agnostic fashion shopper: FAB Cashback wins
5% on fashion spend at Ounass, Namshi, and any fashion e-commerce site makes FAB Cashback the most versatile pick for multi-platform fashion spending.
2.
Maximising cashback on high-value orders: check SIB cap
SIB Cashback earns 10% online but is capped at AED 300/month. For large Ounass orders, verify whether the cap is consumed by other online spending first.
9 cards in the UAE
ZIINA
Ziina Card
- Free by default; Violet plan AED 100/month
- No FX fee on non-AED spend (Violet)
- Cashback at selected brands (Violet)
- Lifestyle perks bundled with Violet
FIRST ABU DHABI BANK (FAB)
FAB Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 5% cashback on fashion, dining, groceries
- 3% cashback on international spends
- 1% cashback on other retail spends
3.8/5
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
- Salary: AED 8,000+
- No Annual Fee for the First Year
- 10% Cashback on online and digital wallet spends
- 2% Cashback on international spends
- 1% Cashback on domestic retail spends
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- Up to 4% Cashback on all spends
- Cashback or Skywards Miles
- 3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
- Salary: AED 5,000+
- Free for life
- Up to 2% Cashback on all spends
- Cashback or Skywards Miles
- 2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
WIO BANK
Wio Credit Card
- Salary: AED 5,000+
- No Annual Fee with Wio Plan
- 2% Cashback on all spends
- 0.5% Cashback on Other Credit Card Bills
- Total Cashback up to AED 2,500/month
INVEST BANK
Invest Bank World Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Flat 3% cashback on all spends (up to AED 1,500/month)
- Complimentary Airport Transfers with Careem
- Complimentary 1 GB of data roaming with Flexiroam once a year
3.9/5
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
RAKBANK
RAKBANK Elevate Credit Card
- Salary: AED 35,000+
- Tier fee from AED 51.45/month
- Up to 4 RAKrewards/AED
- Up to 3.2% travel value
- Privilege: 0% bank FX fee
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 5,000–35,000 |
| 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 5,000–35,000 |
| 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 Credit Cards for Ounass UAE
Related Collections
Not sure which card to pick?
Try the UAE Credit Card Picker
Answer a few quick questions and we'll match the best UAE credit card to your monthly spending — personalised cashback, rewards and perks in under two minutes.