ENBD Voyager World (free, 75K Voyager Miles welcome), Liv Cashback (free, cashback convertible to Skywards Miles in the Liv app), Aafaq Platinum (free for life at AED 8K+ salary with Mastercard Platinum airport lounge access), Wio Credit Card (free with the Wio Plan), Mashreq Cashback (free, 1% on international), and ADCB Essential Cashback (free, basic everyday) are among the no-annual-fee picks with travel value.
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. Includes free-for-life cards with miles, lounge access, low FX, and travel cashback.
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EMIRATES NBD
ENBD Voyager World Credit Card
Welcome Offer: 75,000 Voyager Miles
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
Mastercard Platinum lounge & meet & greet
Balance Transfer, Finance on Phone & EPP
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Up to 2% Cashback on all spends
Instant redemption as Cashback or Miles
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 |
June Spotlight
Liv by Emirates NBD
Liv by Emirates NBD offers fully digital credit cards designed for everyday spenders and lifestyle-focused users. The lineup covers cashback-led options and Tamayaz travel rewards, giving users flexibility across groceries, dining, travel, and online spending.
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
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
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EMIRATES NBD
ENBD Voyager World Credit Card
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)
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