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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

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Kredit data · 2026

UAE Credit Card Market Rankings

131 eligible UAE credit cards compared by relative market position using the same public issuer inputs and disclosed assumptions. RAKBANK World Credit Card currently ranks #1. See how the ranking is calculated.

Ranked by Kredit Market Position

Market position is relative, not a quality rating. Click a pillar to compare its catalogue percentile.

#Card
1RAKBANK World Credit CardTop 1%
90th percentile
97th percentile
99th percentile
24th percentile
68th percentile
51st percentile
89th percentile
2DIB SHAMS Infinite Credit CardTop 2%
96th percentile
87th percentile
53rd percentile
24th percentile
92nd percentile
68th percentile
92nd percentile
3ADCB Traveller Credit CardTop 3%
97th percentile
98th percentile
15th percentile
24th percentile
88th percentile
92nd percentile
40th percentile
4Emirates Islamic Amazon World Credit CardTop 4%
86th percentile
69th percentile
85th percentile
32nd percentile
87th percentile
74th percentile
89th percentile
5ENBD noon One Visa Credit CardTop 4%
67th percentile
99th percentile
92nd percentile
82nd percentile
26th percentile
37th percentile
86th percentile
6Emirates Islamic Etihad Guest Premium Credit CardTop 5%
87th percentile
88th percentile
2nd percentile
24th percentile
90th percentile
92nd percentile
97th percentile
7Emirates Islamic Switch Cashback Credit CardTop 6%
77th percentile
84th percentile
70th percentile
50th percentile
76th percentile
55th percentile
40th percentile
8Citi Ultima Credit CardTop 7%
100th percentile
95th percentile
1st percentile
5th percentile
99th percentile
74th percentile
40th percentile
9ENBD Duo Credit CardTop 7%
83rd percentile
96th percentile
23rd percentile
42nd percentile
84th percentile
55th percentile
40th percentile
10Emirates Islamic Etihad Guest Ameera Credit CardTop 8%
76th percentile
76th percentile
25th percentile
42nd percentile
79th percentile
92nd percentile
92nd percentile
11Emirates Islamic Etihad Guest Saqer Credit CardTop 9%
74th percentile
76th percentile
22nd percentile
42nd percentile
79th percentile
92nd percentile
95th percentile
12ENBD Etihad Guest Visa Elevate Credit CardTop 10%
91st percentile
87th percentile
11th percentile
11th percentile
84th percentile
92nd percentile
40th percentile
13Emirates Islamic Amazon Platinum Credit CardTop 10%
49th percentile
74th percentile
85th percentile
82nd percentile
44th percentile
74th percentile
86th percentile
14Aafaq Platinum Credit CardTop 11%
64th percentile
91st percentile
76th percentile
57th percentile
59th percentile
21st percentile
82nd percentile
15RAKislamic Watani Credit CardTop 12%
68th percentile
65th percentile
99th percentile
32nd percentile
62nd percentile
60th percentile
84th percentile
16ADCB Talabat Credit CardTop 13%
75th percentile
100th percentile
60th percentile
82nd percentile
37th percentile
21st percentile
40th percentile
17Emirates Islamic Flex Elite Credit CardTop 13%
70th percentile
68th percentile
70th percentile
32nd percentile
66th percentile
63rd percentile
97th percentile
18Citi Prestige Credit CardTop 14%
98th percentile
78th percentile
5th percentile
11th percentile
97th percentile
74th percentile
40th percentile
19SIB Cashback Credit CardTop 15%
60th percentile
94th percentile
76th percentile
57th percentile
37th percentile
37th percentile
40th percentile
20HSBC Live+ Credit CardTop 16%
54th percentile
84th percentile
76th percentile
82nd percentile
37th percentile
51st percentile
40th percentile
21RAKBANK Titanium Credit CardTop 17%
53rd percentile
97th percentile
76th percentile
57th percentile
9th percentile
51st percentile
86th percentile
22Ajman Bank LIFE World Credit CardTop 17%
82nd percentile
92nd percentile
26th percentile
24th percentile
71st percentile
51st percentile
40th percentile
23ENBD Voyager World Credit CardTop 18%
80th percentile
54th percentile
92nd percentile
42nd percentile
83rd percentile
21st percentile
89th percentile
24FAB Cashback Credit CardTop 19%
55th percentile
93rd percentile
47th percentile
82nd percentile
46th percentile
44th percentile
40th percentile
25CBD Yes Rewards Credit CardTop 20%
59th percentile
83rd percentile
60th percentile
82nd percentile
55th percentile
21st percentile
81st percentile
26Invest Bank World Credit CardTop 20%
81st percentile
82nd percentile
4th percentile
17th percentile
70th percentile
92nd percentile
40th percentile
27Aafaq World Elite Credit CardTop 21%
81st percentile
68th percentile
76th percentile
24th percentile
71st percentile
37th percentile
40th percentile
28ENBD Marriott Bonvoy World EliteTop 22%
88th percentile
52nd percentile
11th percentile
17th percentile
91st percentile
92nd percentile
100th percentile
29Emirates Islamic Barça Cashback Credit CardTop 23%
48th percentile
78th percentile
70th percentile
82nd percentile
42nd percentile
51st percentile
40th percentile
30Emirates Islamic Skywards Black Credit CardTop 23%
97th percentile
70th percentile
0th percentile
6th percentile
98th percentile
63rd percentile
40th percentile
31Ajman Bank LIFE Platinum Credit CardTop 24%
62nd percentile
71st percentile
54th percentile
50th percentile
58th percentile
51st percentile
40th percentile
32Tamayaz Platinum Credit CardTop 25%
43rd percentile
59th percentile
92nd percentile
82nd percentile
49th percentile
44th percentile
40th percentile
33Invest Bank Platinum Credit CardTop 26%
36th percentile
82nd percentile
31st percentile
62nd percentile
37th percentile
92nd percentile
40th percentile
34Mashreq Noon Credit CardTop 26%
41st percentile
89th percentile
63rd percentile
82nd percentile
18th percentile
37th percentile
40th percentile
35ENBD Visa Infinite Credit CardTop 27%
85th percentile
53rd percentile
11th percentile
11th percentile
86th percentile
92nd percentile
40th percentile
36ENBD Voyager World Elite Credit CardTop 28%
93rd percentile
64th percentile
11th percentile
17th percentile
93rd percentile
21st percentile
95th percentile
37Emirates Islamic Emarati Credit CardTop 29%
42nd percentile
65th percentile
97th percentile
42nd percentile
9th percentile
68th percentile
92nd percentile
38CBD One Credit CardTop 30%
44th percentile
72nd percentile
54th percentile
82nd percentile
37th percentile
57th percentile
40th percentile
39Emirates Islamic Cashback Plus Credit CardTop 30%
72nd percentile
57th percentile
40th percentile
42nd percentile
77th percentile
51st percentile
40th percentile
40RAKBANK High Flyer Platinum Credit CardTop 31%
58th percentile
81st percentile
68th percentile
50th percentile
37th percentile
21st percentile
40th percentile
41ADCB LuLu Platinum Credit CardTop 32%
52nd percentile
80th percentile
60th percentile
57th percentile
49th percentile
21st percentile
40th percentile
42FAB Etihad Guest Infinite Credit CardTop 33%
71st percentile
55th percentile
3rd percentile
11th percentile
75th percentile
92nd percentile
99th percentile
43FAB GEMS World Credit CardTop 33%
50th percentile
91st percentile
37th percentile
57th percentile
49th percentile
21st percentile
40th percentile
44Tamayaz World Credit CardTop 34%
65th percentile
77th percentile
28th percentile
32nd percentile
64th percentile
21st percentile
92nd percentile
45RAKBANK Elevate Credit CardTop 35%
87th percentile
26th percentile
68th percentile
6th percentile
82nd percentile
63rd percentile
92nd percentile
46Ajman Bank ULTRACASH Credit CardTop 36%
47th percentile
90th percentile
47th percentile
50th percentile
27th percentile
37th percentile
40th percentile
47ADIB SHARE Infinite Credit CardTop 36%
29th percentile
74th percentile
19th percentile
82nd percentile
54th percentile
78th percentile
40th percentile
48ADIB Cashback Covered Credit CardTop 37%
32nd percentile
86th percentile
52nd percentile
82nd percentile
9th percentile
57th percentile
40th percentile
49ENBD U By Emaar Visa Infinite Emirati Credit CardTop 38%
94th percentile
35th percentile
11th percentile
11th percentile
95th percentile
68th percentile
92nd percentile
50Dubai First Cashback Credit CardTop 39%
38th percentile
79th percentile
35th percentile
82nd percentile
44th percentile
44th percentile
40th percentile
51Emirates Islamic Skywards Infinite Credit CardTop 39%
84th percentile
40th percentile
20th percentile
24th percentile
89th percentile
78th percentile
40th percentile
52ENBD Diners Club Credit CardTop 40%
79th percentile
48th percentile
38th percentile
42nd percentile
87th percentile
37th percentile
40th percentile
53FAB Islamic Cashback Credit CardTop 41%
32nd percentile
93rd percentile
43rd percentile
82nd percentile
9th percentile
44th percentile
40th percentile
54ENBD Darna Visa Infinite Credit CardTop 42%
95th percentile
43rd percentile
11th percentile
11th percentile
96th percentile
63rd percentile
40th percentile
55DIB Consumer Cashback Platinum Credit CardTop 42%
62nd percentile
85th percentile
39th percentile
32nd percentile
9th percentile
57th percentile
40th percentile
56ADCB Etihad Guest Infinite Credit CardTop 43%
84th percentile
56th percentile
3rd percentile
3rd percentile
78th percentile
74th percentile
40th percentile
57Citi Premier Credit CardTop 44%
65th percentile
66th percentile
23rd percentile
32nd percentile
68th percentile
44th percentile
40th percentile
58Emirates Islamic RTA Credit CardTop 45%
31st percentile
71st percentile
70th percentile
82nd percentile
21st percentile
37th percentile
40th percentile
59Al Hilal Cashback Credit CardTop 46%
40th percentile
62nd percentile
60th percentile
82nd percentile
37th percentile
37th percentile
40th percentile
60ENBD U By Emaar Infinite Credit CardTop 46%
92nd percentile
35th percentile
11th percentile
11th percentile
94th percentile
68th percentile
40th percentile
61ENBD SHARE Infinite Credit CardTop 47%
89th percentile
38th percentile
11th percentile
11th percentile
91st percentile
68th percentile
40th percentile
62FAB SHARE Infinite Credit CardTop 48%
73rd percentile
47th percentile
18th percentile
17th percentile
73rd percentile
71st percentile
40th percentile
63CBD Super Saver Credit CardTop 49%
36th percentile
57th percentile
36th percentile
82nd percentile
54th percentile
51st percentile
40th percentile
64Al Masraf World Elite Credit CardTop 49%
78th percentile
17th percentile
65th percentile
0th percentile
69th percentile
92nd percentile
40th percentile
65FAB ADNOC Rewards Credit CardTop 50%
35th percentile
61st percentile
42nd percentile
82nd percentile
49th percentile
37th percentile
40th percentile
66Liv Cashback Credit CardTop 51%
30th percentile
21st percentile
92nd percentile
82nd percentile
49th percentile
81st percentile
40th percentile
67ENBD Skywards Infinite Credit CardBottom 50%
91st percentile
31st percentile
11th percentile
11th percentile
94th percentile
63rd percentile
40th percentile
68The American Express Platinum Credit CardBottom 49%
61st percentile
8th percentile
76th percentile
20th percentile
65th percentile
92nd percentile
84th percentile
69ENBD Lulu 247 Platinum Credit CardBottom 49%
57th percentile
36th percentile
92nd percentile
42nd percentile
60th percentile
21st percentile
40th percentile
70FAB Elite Credit CardBottom 48%
99th percentile
45th percentile
16th percentile
3rd percentile
100th percentile
4th percentile
40th percentile
71Liv Cashback+ Credit CardBottom 47%
56th percentile
39th percentile
28th percentile
32nd percentile
64th percentile
81st percentile
40th percentile
72ENBD Dnata Platinum Credit CardBottom 46%
26th percentile
51st percentile
34th percentile
82nd percentile
37th percentile
82nd percentile
40th percentile
73ENBD Darna Visa Signature Credit CardBottom 46%
74th percentile
42nd percentile
47th percentile
42nd percentile
81st percentile
4th percentile
40th percentile
74Mashreq Cashback Credit CardBottom 45%
29th percentile
73rd percentile
63rd percentile
82nd percentile
9th percentile
21st percentile
40th percentile
75UAB Platinum Credit CardBottom 44%
27th percentile
23rd percentile
76th percentile
82nd percentile
37th percentile
92nd percentile
40th percentile
76ENBD Mastercard Titanium Credit CardBottom 43%
25th percentile
17th percentile
92nd percentile
82nd percentile
37th percentile
92nd percentile
40th percentile
77ENBD Mastercard Platinum Credit CardBottom 42%
39th percentile
20th percentile
92nd percentile
42nd percentile
57th percentile
71st percentile
40th percentile
78Ruya Mastercard Cashback Credit CardBottom 42%
17th percentile
53rd percentile
56th percentile
82nd percentile
9th percentile
84th percentile
40th percentile
79Citi Cashback Credit CardBottom 41%
37th percentile
55th percentile
60th percentile
57th percentile
43rd percentile
21st percentile
40th percentile
80ENBD SHARE Signature Credit CardBottom 40%
46th percentile
32nd percentile
92nd percentile
42nd percentile
52nd percentile
21st percentile
40th percentile
81Wio Credit CardBottom 39%
13th percentile
37th percentile
87th percentile
82nd percentile
9th percentile
78th percentile
40th percentile
82FAB Travel Credit CardBottom 39%
71st percentile
50th percentile
15th percentile
17th percentile
72nd percentile
21st percentile
40th percentile
83FAB Blue FAB Signature Credit Card Bottom 38%
52nd percentile
13th percentile
66th percentile
32nd percentile
63rd percentile
78th percentile
40th percentile
84ENBD Dnata World Credit CardBottom 37%
51st percentile
49th percentile
20th percentile
24th percentile
32nd percentile
82nd percentile
40th percentile
85ADCB 365 Cashback Credit CardBottom 36%
20th percentile
67th percentile
36th percentile
57th percentile
21st percentile
51st percentile
40th percentile
86DIB Consumer Cashback Reward Credit CardBottom 36%
14th percentile
62nd percentile
45th percentile
82nd percentile
9th percentile
57th percentile
40th percentile
87Emirates Islamic Cashback Credit CardBottom 35%
18th percentile
63rd percentile
39th percentile
82nd percentile
21st percentile
37th percentile
40th percentile
88Al Masraf World Credit CardBottom 34%
58th percentile
17th percentile
32nd percentile
17th percentile
62nd percentile
92nd percentile
40th percentile
89UAB Titanium Credit CardBottom 33%
23rd percentile
29th percentile
42nd percentile
63rd percentile
37th percentile
92nd percentile
40th percentile
90Citi Rewards Credit CardBottom 33%
33rd percentile
32nd percentile
60th percentile
57th percentile
53rd percentile
21st percentile
83rd percentile
91Deem Titanium MastercardBottom 32%
15th percentile
58th percentile
49th percentile
82nd percentile
9th percentile
44th percentile
40th percentile
92Emirates Islamic Flex Credit CardBottom 31%
20th percentile
42nd percentile
85th percentile
82nd percentile
21st percentile
4th percentile
80th percentile
93FAB Etihad Guest Signature Credit CardBottom 30%
45th percentile
45th percentile
11th percentile
32nd percentile
67th percentile
21st percentile
98th percentile
94HSBC Cash+ Credit CardBottom 30%
44th percentile
17th percentile
100th percentile
11th percentile
9th percentile
92nd percentile
40th percentile
95FAB Emirati Islamic Credit CardBottom 29%
49th percentile
60th percentile
30th percentile
32nd percentile
31st percentile
21st percentile
40th percentile
96Emirates Islamic Skywards Signature Credit CardBottom 28%
68th percentile
27th percentile
24th percentile
42nd percentile
78th percentile
21st percentile
40th percentile
97UAB World Credit CardBottom 27%
66th percentile
17th percentile
7th percentile
3rd percentile
74th percentile
92nd percentile
40th percentile
98ENBD Skywards Signature Credit CardBottom 26%
69th percentile
20th percentile
28th percentile
42nd percentile
81st percentile
21st percentile
40th percentile
99ADCB TouchPoints Infinite Credit CardBottom 26%
78th percentile
10th percentile
17th percentile
3rd percentile
85th percentile
63rd percentile
40th percentile
100ENBD SHARE Platinum Credit CardBottom 25%
26th percentile
25th percentile
92nd percentile
82nd percentile
30th percentile
21st percentile
40th percentile
101FAB Blue Infinite Credit CardBottom 24%
63rd percentile
13th percentile
66th percentile
3rd percentile
29th percentile
78th percentile
40th percentile
102FAB SHARE Signature Credit CardBottom 23%
34th percentile
44th percentile
33rd percentile
50th percentile
56th percentile
21st percentile
40th percentile
103Al Masraf Platinum Credit CardBottom 23%
23rd percentile
17th percentile
51st percentile
50th percentile
37th percentile
92nd percentile
40th percentile
104ENBD U By Emaar Signature Credit CardBottom 22%
42nd percentile
39th percentile
49th percentile
42nd percentile
52nd percentile
4th percentile
40th percentile
105Emirates Islamic Etihad Guest Platinum Credit CardBottom 21%
13th percentile
49th percentile
50th percentile
82nd percentile
9th percentile
21st percentile
82nd percentile
106ADIB SHARE Visa Platinum CardBottom 20%
19th percentile
30th percentile
76th percentile
82nd percentile
28th percentile
21st percentile
40th percentile
107ENBD Darna Select Visa Credit CardBottom 20%
16th percentile
41st percentile
92nd percentile
82nd percentile
9th percentile
4th percentile
40th percentile
108ENBD U By Emaar Family Credit CardBottom 19%
16th percentile
34th percentile
92nd percentile
82nd percentile
21st percentile
4th percentile
40th percentile
109FAB Etihad Guest Platinum Credit CardBottom 18%
55th percentile
14th percentile
33rd percentile
57th percentile
74th percentile
21st percentile
40th percentile
110Mashreq Solitaire Credit CardBottom 17%
94th percentile
11th percentile
6th percentile
17th percentile
97th percentile
4th percentile
40th percentile
111Mashreq Platinum Plus Credit CardBottom 17%
10th percentile
46th percentile
44th percentile
82nd percentile
9th percentile
44th percentile
40th percentile
112FAB Du Titanium Credit CardBottom 16%
3rd percentile
3rd percentile
82nd percentile
82nd percentile
21st percentile
92nd percentile
40th percentile
113FAB Z Credit CardBottom 15%
28th percentile
4th percentile
52nd percentile
82nd percentile
61st percentile
44th percentile
40th percentile
114FAB Blue Platinum Credit CardBottom 14%
7th percentile
10th percentile
82nd percentile
57th percentile
26th percentile
78th percentile
40th percentile
115ADCB Shukran Credit CardBottom 13%
7th percentile
26th percentile
45th percentile
82nd percentile
21st percentile
63rd percentile
40th percentile
116FAB Rewards Indulge CardBottom 13%
21st percentile
7th percentile
82nd percentile
82nd percentile
46th percentile
21st percentile
40th percentile
117FAB SHARE Platinum Credit CardBottom 12%
11th percentile
24th percentile
76th percentile
82nd percentile
21st percentile
21st percentile
40th percentile
118RAKislamic World Credit CardBottom 11%
39th percentile
28th percentile
76th percentile
24th percentile
9th percentile
4th percentile
89th percentile
119ADCB Essential Cashback Credit CardBottom 10%
9th percentile
12th percentile
60th percentile
82nd percentile
28th percentile
60th percentile
40th percentile
120ENBD Lulu 247 Titanium Credit CardBottom 10%
8th percentile
22nd percentile
92nd percentile
82nd percentile
9th percentile
21st percentile
40th percentile
121ADCB LuLu Titanium Credit CardBottom 9%
12th percentile
33rd percentile
60th percentile
82nd percentile
9th percentile
21st percentile
40th percentile
122ENBD Visa Flexi Credit CardBottom 8%
6th percentile
29th percentile
28th percentile
42nd percentile
9th percentile
92nd percentile
40th percentile
123FAB Rewards Active Credit CardBottom 7%
22nd percentile
6th percentile
42nd percentile
82nd percentile
58th percentile
21st percentile
40th percentile
124ENBD Go4it Platinum Credit CardBottom 7%
10th percentile
7th percentile
92nd percentile
42nd percentile
25th percentile
21st percentile
40th percentile
125ADCB TouchPoints Platinum Credit CardBottom 6%
4th percentile
5th percentile
29th percentile
57th percentile
49th percentile
63rd percentile
40th percentile
126CBD Visa Infinite Credit CardBottom 5%
24th percentile
23rd percentile
76th percentile
32nd percentile
9th percentile
4th percentile
40th percentile
127FAB Manchester City Titanium Credit CardBottom 4%
5th percentile
9th percentile
82nd percentile
82nd percentile
9th percentile
21st percentile
40th percentile
128ENBD Webshopper Credit CardBottom 4%
2nd percentile
2nd percentile
65th percentile
82nd percentile
9th percentile
21st percentile
40th percentile
129ENBD Go4it Gold Credit CardBottom 3%
3rd percentile
3rd percentile
55th percentile
82nd percentile
9th percentile
21st percentile
40th percentile
130Citi Simplicity Credit CardBottom 2%
1st percentile
1st percentile
76th percentile
82nd percentile
9th percentile
4th percentile
40th percentile
131ADCB Islamic Emirati Credit CardBottom 1%
0th percentile
1st percentile
21st percentile
57th percentile
37th percentile
4th percentile
40th percentile

Excludes 5 non-credit products, 12 cards with no reward-calculation data, 0 with undisclosed/invitation-only pricing, 1 with an invitation-only salary requirement, and 1 tagged as an "Infinite Privilege"-tier product. 23 otherwise-eligible cards use the published 2.5% FX proxy because no issuer FX row is available.

Methodology

Kredit Market Position is a deterministic, disclosed comparison from a weighted blend of seven catalogue percentiles (net value, rewards value, cost & fees, perks & benefits, flexibility, accessibility, welcome bonus). It reports rank and percentile only; it does not label any card excellent, poor, or perfect. Read the full methodology. Cite as “Kredit Market Position” with this stable URL and the published last-updated date (2026-08-18). The dataset is available under CC BY 4.0 with attribution.