Best Credit Cards for UAE Nationals
Compare credit cards available exclusively to UAE Nationals from Emirates NBD, ADCB Islamic, Emirates Islamic, FAB Islamic and RAKislamic.
See cardsLast updated: - Updated using current official bank product pages, key facts statements and reward-program terms.
Review published salary requirements, annual fees, reward values, caps and premium lifestyle benefits before applying.
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
≈ AED 31,402 potential value / year · incl. perks · incl. welcome bonus
UAE Nationals only
Up to 25,000 welcome UPoints
7.5% value back at Emaar
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Emirati Credit Card
≈ AED 18,736 potential value / year · incl. perks
Exclusive for UAE nationals
7% cashback on 7 categories
1% cashback on all other domestic and international spends
EMIRATES ISLAMIC
Emirates Islamic Emarati Credit Card
≈ AED 14,500 potential value / year · incl. welcome bonus
Exclusive for UAE nationals
Welcome Bonus: AED 1,000 as EI SmartMiles
Up to 3.75 EI SmartMiles per AED 1
RAKBANK
RAKislamic Watani Credit Card
≈ AED 19,304 potential value / year · incl. perks · incl. welcome bonus
Exclusive for UAE nationals
50,000 RAKrewards Bonus
100% Cashback on Salik + DARB
Best Credit Cards for UAE Nationals compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| First year free; then AED 1,575 | AED 30,000 | 7.5% Emaar value, up to 25,000 welcome UPoints, Visa Infinite lifestyle benefits |
| AED 945 | AED 8,000 | 7% cashback across 7 lifestyle categories after AED 7,000 monthly spend; AED 1,500 cap |
| Free | AED 12,000 | No annual fee, EI SmartMiles and Visa Signature lifestyle benefits |
 | AED 600 | AED 15,000 | Up to 15 FAB Islamic Rewards per AED 1 plus valet and airport-transfer benefits |
| First year free; then AED 1,048.95 | AED 15,000 | Salik and DARB cashback, RAKrewards welcome offer and travel benefits |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| First year free; then AED 1,575 | AED 30,000 | 7.5% Emaar value, up to 25,000 welcome UPoints, Visa Infinite lifestyle benefits |
| AED 945 | AED 8,000 | 7% cashback across 7 lifestyle categories after AED 7,000 monthly spend; AED 1,500 cap |
| Free | AED 12,000 | No annual fee, EI SmartMiles and Visa Signature lifestyle benefits |
| AED 600 | AED 15,000 | Up to 15 FAB Islamic Rewards per AED 1 plus valet and airport-transfer benefits |
| First year free; then AED 1,048.95 | AED 15,000 | Salik and DARB cashback, RAKrewards welcome offer and travel benefits |
ENBD U By Emaar Visa Infinite Emirati Credit Card
Annual feeFirst year free; then AED 1,575
Min. salaryAED 30,000
Highlight7.5% Emaar value, up to 25,000 welcome UPoints, Visa Infinite lifestyle benefits
ADCB Islamic Emirati Credit Card
Annual feeAED 945
Min. salaryAED 8,000
Highlight7% cashback across 7 lifestyle categories after AED 7,000 monthly spend; AED 1,500 cap
Emirates Islamic Emarati Credit Card
Annual feeFree
Min. salaryAED 12,000
HighlightNo annual fee, EI SmartMiles and Visa Signature lifestyle benefits
FAB Emirati Islamic Credit Card
Annual feeAED 600
Min. salaryAED 15,000
HighlightUp to 15 FAB Islamic Rewards per AED 1 plus valet and airport-transfer benefits
RAKislamic Watani Credit Card
Annual feeFirst year free; then AED 1,048.95
Min. salaryAED 15,000
HighlightSalik and DARB cashback, RAKrewards welcome offer and travel benefits
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 UAE National Credit Cards
1.
Verify the nationality gate first
Every card on this page is tagged from an issuer product specifically marketed to UAE Nationals. Other income, age, employer and credit-assessment requirements still apply.
2.
Compare reward value after conversion
UPoints, EI SmartMiles, FAB Islamic Rewards and RAKrewards have different AED values. Compare the effective return and redemption method, not only the number of points earned.
3.
Check caps and spend thresholds
High headline rates can require minimum monthly spend or carry statement caps. The ENBD U by Emaar Infinite tier, for example, caps earning at 83,333 UPoints per statement.
4.
Choose conventional or Sharia-compliant
The ENBD U by Emaar card is conventional; ADCB Islamic, Emirates Islamic, FAB Islamic and RAKislamic offer Sharia-compliant alternatives.
5 cards in the UAE
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
- Salary: AED 30,000+
- First year free
- UAE Nationals only
- Up to 25,000 welcome UPoints
- 7.5% value back at Emaar
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Emirati Credit Card
- Salary: AED 8,000+
- Annual Fee: AED 945
- Exclusive for UAE nationals
- 7% cashback on 7 categories
- 1% cashback on all other domestic and international spends
EMIRATES ISLAMIC
Emirates Islamic Emarati Credit Card
- Salary: AED 12,000+
- No Annual Fee
- Exclusive for UAE nationals
- Welcome Bonus: AED 1,000 as EI SmartMiles
- Up to 3.75 EI SmartMiles per AED 1
FIRST ABU DHABI BANK (FAB)
FAB Emirati Islamic Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 630
- Exclusive for UAE nationals
- Up to 15 FAB Rewards per AED spent
- Free valet parking 5 times a month across the UAE
RAKBANK
RAKislamic Watani Credit Card
- Salary: AED 15,000+
- No Annual Fee First Year
- Exclusive for UAE nationals
- 50,000 RAKrewards Bonus
- 100% Cashback on Salik + DARB
How to apply for a UAE-national credit card
Follow these steps to complete your application.
1.Confirm that the issuer product is restricted to UAE Nationals and that your monthly salary meets its published minimum
2.Compare the recurring annual fee, reward conversion value, spend thresholds and usage limits for the benefits you will actually use
3.Prepare your Emirates ID, passport and the income documents requested by the bank, such as a salary certificate or recent bank statements
4.Apply through the bank's official application page and review the final Key Facts Statement before accepting the card
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Nationality | UAE National |
| Minimum age | Usually 21 years; confirm with the issuer |
| Monthly salary | AED 8,000–30,000 |
| Documents | Emirates ID, passport and bank-requested proof of income |
| Approval | Subject to the issuer's affordability and AECB credit assessment |
| Nationality | UAE National |
| Minimum age | Usually 21 years; confirm with the issuer |
| Monthly salary | AED 8,000–30,000 |
| Documents | Emirates ID, passport and bank-requested proof of income |
| Approval | Subject to the issuer's affordability and AECB credit assessment |
Eligibility and approval are determined by the issuing bank. Always review the current Key Facts Statement and application terms.
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 Credit Cards for UAE Nationals
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