Compare Rewards and Points Credit Cards in the UAE

A cashback card returns a share of your spend as AED credit. A rewards card pays in points or miles that you redeem against flights, hotels, vouchers or merchandise. Cashback is simpler to value; points can be worth more per AED if you redeem them well, and less if you never redeem them at all.

Airline miles (Skywards, Etihad Guest, Voyager Miles) are spent with one airline and its partners, so they suit people who already fly that airline. Bank programmes (Citi ThankYou, ADCB TouchPoints, Mashreq Salaam, FAB Rewards) convert into several airline or merchant options at published rates, which is more flexible but adds a conversion step.

Bank loyalty points usually expire between one and three years after they are earned, and card activity often refreshes that window. Airline miles follow the airline's own rules rather than the bank's, so check the programme terms alongside the card terms.

Yes. ENBD Voyager World and FAB Rewards Indulge both carry no annual fee. A fee-free card removes the amount you need to earn back before the rewards are worth anything, which matters most at lower spend.

Compare the annual fee, the salary requirement and the redemption value of the currency, in that order, before the headline earn rate. Kredit models each card's rewards against your own monthly spend on the card calculator.