Includes free-for-life cards with miles, lounge access, low FX, and travel cashback.
Best Travel Credit Cards in the UAE with No Annual Fee
Compare UAE travel credit cards that are genuinely free for life — no annual fee, no waiver condition.
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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 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
AAFAQ ISLAMIC FINANCE
Aafaq Platinum Credit Card
≈ AED 37,286 potential value / year · incl. perks · incl. welcome bonus
Mastercard Platinum lounge & meet & greet
Balance Transfer, Finance on Phone & EPP
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
≈ AED 8,068 potential value / year · incl. perks · Cashback mode
Up to 2% Cashback on all spends
Cashback or Skywards Miles
2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
Best Travel Credit Cards in the UAE with No Annual Fee 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 12,000+ | Free-for-life travel card with 75,000 Voyager Miles welcome bonus and accelerated Miles on travel bookings |
| Free | AED 5,000+ | Free-for-life with cashback that converts to Skywards Miles in the Liv app — plus airport lounge benefits |
| Free for life | AED 8,000+ | Free-for-life at AED 8K+ salary band, with Mastercard Platinum airport lounge access and Marhaba meet & greet |
 | No separate card fee | AED 5,000+ | Up to 2% cashback plus ENTERTAINER with Salary, Family, or Plus |
 | Free | AED 5,000+ | Free-for-life with 1% cashback on international spend — useful as a low-cost overseas everyday card |
 | Free | AED 5,000+ | Free-for-life entry tier with AED 350 welcome bonus and 1.25% cashback on monthly spend ≥ AED 5,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 12,000+ | Free-for-life travel card with 75,000 Voyager Miles welcome bonus and accelerated Miles on travel bookings |
| Free | AED 5,000+ | Free-for-life with cashback that converts to Skywards Miles in the Liv app — plus airport lounge benefits |
| Free for life | AED 8,000+ | Free-for-life at AED 8K+ salary band, with Mastercard Platinum airport lounge access and Marhaba meet & greet |
| No separate card fee | AED 5,000+ | Up to 2% cashback plus ENTERTAINER with Salary, Family, or Plus |
| Free | AED 5,000+ | Free-for-life with 1% cashback on international spend — useful as a low-cost overseas everyday card |
| Free | AED 5,000+ | Free-for-life entry tier with AED 350 welcome bonus and 1.25% cashback on monthly spend ≥ AED 5,000 |
ENBD Voyager World Credit Card
Annual feeFree
Min. salaryAED 12,000+
HighlightFree-for-life travel card with 75,000 Voyager Miles welcome bonus and accelerated Miles on travel bookings
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000+
HighlightFree-for-life with cashback that converts to Skywards Miles in the Liv app — plus airport lounge benefits
Aafaq Platinum Credit Card
Annual feeFree for life
Min. salaryAED 8,000+
HighlightFree-for-life at AED 8K+ salary band, with Mastercard Platinum airport lounge access and Marhaba meet & greet
Wio Credit Card
Annual feeNo separate card fee
Min. salaryAED 5,000+
HighlightUp to 2% cashback plus ENTERTAINER with Salary, Family, or Plus
Mashreq Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000+
HighlightFree-for-life with 1% cashback on international spend — useful as a low-cost overseas everyday card
ADCB Essential Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000+
HighlightFree-for-life entry tier with AED 350 welcome bonus and 1.25% cashback on monthly spend ≥ AED 5,000
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 choose Travel
1.
Truly free-for-life travel cards are rare in the UAE
Most UAE travel cards charge AED 500–3,000+ in annual fees once welcome perks expire. The handful of genuinely free-for-life travel cards trade premium benefits (unlimited lounge access, top-tier miles earn rates) for zero annual cost — a strong choice if you want travel value without the year-on-year fee.
2.
Watch the difference between 'free' and 'waivable'
Some UAE cards advertise as no-annual-fee but require a minimum annual spend (often AED 25,000+) to waive the fee. If you don't hit the threshold, you owe the full annual fee. The cards on this page are genuinely free without spend conditions.
3.
Free cards pair well with a premium card
If you travel internationally a few times a year, a free-for-life card can cover everyday spend while a paid premium card (with unlimited Priority Pass or higher miles earn) covers travel. This combination usually beats relying on a single premium card for net annual value.
6 cards in the UAE
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
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
AAFAQ ISLAMIC FINANCE
Aafaq Platinum Credit Card
- Salary: AED 8,000+
- Annual Fee: Free
- Mastercard Platinum lounge & meet & greet
- Balance Transfer, Finance on Phone & EPP
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
3.4/5
MASHREQ BANK
Mashreq Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 Welcome Bonus
- Unlimited 5% Cashback on dining.
- 1% Cashback on international spends (non-dining)
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Essential Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 350
- Up to 1.25% cashback on all spends
- 0.75% on select categories
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 5,000–12,000 |
| 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 5,000–12,000 |
| 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 Travel Credit Cards in the UAE with No Annual Fee
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