Compare Rewards Credit Cards in the UAE
Rewards cards pay in points or miles rather than cash.
See cardsLast updated: - Sourced from official issuer documents and product pages.
The currency decides how much a point is worth to you: airline miles (Skywards, Etihad Guest, Voyager Miles) are spent with one airline and its partners, while bank programmes (Citi ThankYou, ADCB TouchPoints, Mashreq Salaam, FAB Rewards) convert into several airline or merchant options at published rates.
Compare on three things before the earn rate. First, the annual fee you pay to hold the card. Second, the salary you need to qualify. Third, what the points are actually worth when you redeem them — a higher earn rate in a currency you never spend returns less than a lower rate in one you do.
If you would rather take value as AED than manage a points balance, start with cashback cards instead.
EMIRATES NBD
ENBD Voyager World Credit Card
≈ AED 16,386 potential value / year · incl. perks · incl. welcome bonus
3.9/5
No Annual Fee
6 Miles/AED on Voyager Portal
3 Miles/AED on other travel
FIRST ABU DHABI BANK (FAB)
FAB Rewards Indulge Card
≈ AED 2,652 potential value / year · incl. perks
20,000 FAB Rewards Bonus on spending AED 10,000 or more each month
5 FAB Rewards on online spends
1 FAB Reward on all other spends
CITIBANK
Citi Rewards Credit Card
≈ AED 4,950 potential value / year · incl. perks · incl. welcome bonus
10,000 bonus points annually post payment of annual fee
1.5 Points on grocery and non-AED spends
1 Point on local spends
Compare Rewards Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 0 | AED 5,000 | FAB Rewards points with no annual fee to earn against |
| AED 315 | AED 8,000 | Citi ThankYou Points, convertible to airline and merchant programmes |
| AED 0 | AED 12,000 | Voyager Miles with no annual fee — the entry tier of the programme |
 | AED 1,575 | AED 25,000 | Top Voyager tier, with airport lounge access and travel benefits |
 | AED 1,575 | AED 25,000 | Salaam Rewards points with premium travel benefits |
 | AED 1,050 | AED 40,000 | ADCB TouchPoints, redeemable for flights, hotels and vouchers |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 0 | AED 5,000 | FAB Rewards points with no annual fee to earn against |
| AED 315 | AED 8,000 | Citi ThankYou Points, convertible to airline and merchant programmes |
| AED 0 | AED 12,000 | Voyager Miles with no annual fee — the entry tier of the programme |
| AED 1,575 | AED 25,000 | Top Voyager tier, with airport lounge access and travel benefits |
| AED 1,575 | AED 25,000 | Salaam Rewards points with premium travel benefits |
| AED 1,050 | AED 40,000 | ADCB TouchPoints, redeemable for flights, hotels and vouchers |
FAB Rewards Indulge Card
Annual feeAED 0
Min. salaryAED 5,000
HighlightFAB Rewards points with no annual fee to earn against
Citi Rewards Credit Card
Annual feeAED 315
Min. salaryAED 8,000
HighlightCiti ThankYou Points, convertible to airline and merchant programmes
ENBD Voyager World Credit Card
Annual feeAED 0
Min. salaryAED 12,000
HighlightVoyager Miles with no annual fee — the entry tier of the programme
ENBD Voyager World Elite Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
HighlightTop Voyager tier, with airport lounge access and travel benefits
Mashreq Solitaire Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
HighlightSalaam Rewards points with premium travel benefits
ADCB TouchPoints Infinite Credit Card
Annual feeAED 1,050
Min. salaryAED 40,000
HighlightADCB TouchPoints, redeemable for flights, hotels and vouchers
September 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
6 cards in the UAE
FIRST ABU DHABI BANK (FAB)
FAB Rewards Indulge Card
- Salary: AED 5,000+
- No Annual Fee
- 20,000 FAB Rewards Bonus on spending AED 10,000 or more each month
- 5 FAB Rewards on online spends
- 1 FAB Reward on all other spends
CITIBANK
Citi Rewards Credit Card
- Salary: AED 8,000+
- No Annual Fee for the first year
- 10,000 bonus points annually post payment of annual fee
- 1.5 Points on grocery and non-AED spends
- 1 Point on local spends
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
MASHREQ BANK
Mashreq Solitaire Credit Card
- Salary: AED 25,000+
- Annual Fee AED 1,500 +5% VAT
- Welcome Bonus: AED 2,500
- 6 points per AED on international purchases
- Unlimited Fitness First Visits
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Infinite Credit Card
- Salary: AED 40,000+
- Annual Fee: AED 1,050
- 15,000 Touchpoints for spends of AED 15,000
- Hotels.com Voucher for 2 nights stay
- 20% off on talabat orders
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 5,000–40,000 |
| 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 5,000–40,000 |
| 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 Compare Rewards Credit Cards in the UAE
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