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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

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

Excludes 2 non-credit products, 26 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. 24 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 (2026-08-02). The dataset is available under CC BY 4.0 with attribution.