Get notified about UAE latest credit card products
Get notified about UAE latest credit card products
Kredit data · 2026
119
welcome-offer rows in this index
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Expiry is shown only where the offer is explicitly time-limited. “Ongoing” means the structured card data does not attach a temporary-offer expiry.
| Card | Offer | Type | Expiry | Annual fee | Min salary |
|---|---|---|---|---|---|
ENBD Voyager World Credit CardEmirates NBD | AED 250 cashbackActivate the card and spend AED 2,500 within 30 days of card issuance.Get AED 250 cashback after you activate the card and spend AED 2,500 within 30 days of card issuance. The card has to be approved and issued by 30 Oct 2026. Available only when you apply for the card through Kredit.Kredit exclusive | Reward offer | 2026-10-30 | AED 0 | AED 12,000 |
ENBD Voyager World Elite Credit CardEmirates NBD | AED 500 cashbackActivate the card and spend AED 5,000 within 30 days of card issuance.Get AED 500 cashback after you activate the card and spend AED 5,000 within 30 days of card issuance. The card has to be approved and issued by 30 Oct 2026. Available only when you apply for the card through Kredit.Kredit exclusive | Reward offer | 2026-10-30 | AED 1,575 | AED 25,000 |
Emirates Islamic Etihad Guest Ameera Credit CardEmirates Islamic | Up to 80,000 Etihad Guest Miles campaignApply by 31 October 2026; fee payment and AED 30,000 spend in three months unlock two stages.Apply by 31 October and activate within 30 days. New Etihad-card customers earn 30,000 miles after the campaign fee, then 50,000 after AED 30,000 retail spend in three months. Issuance must be by 5 November. This replaces standard miles. | Reward offer | 2026-10-31 | AED 733.95 | AED 12,000 |
Emirates Islamic Etihad Guest Platinum Credit CardEmirates Islamic | Up to 30,000 Etihad Guest Miles campaignApply by 31 October 2026; fee payment and AED 12,000 spend in three months unlock two stages.Apply by 31 October and activate within 30 days. New Etihad-card customers earn 10,000 miles after the campaign fee, then 20,000 after AED 12,000 retail spend in three months. Issuance must be by 5 November. This replaces standard miles. | Reward offer | 2026-10-31 | AED 208.95 | AED 5,000 |
Emirates Islamic Etihad Guest Premium Credit CardEmirates Islamic | Up to 200,000 Etihad Guest Miles campaignApply by 31 October 2026; fee payment and AED 60,000 spend in three months unlock two stages.Apply by 31 October and activate within 30 days. New Etihad-card customers earn 80,000 miles after the campaign fee, then 120,000 after AED 60,000 retail spend in three months. Issuance must be by 5 November. This replaces standard miles. | Reward offer | 2026-10-31 | AED 2,625 | AED 20,000 |
Emirates Islamic Etihad Guest Saqer Credit CardEmirates Islamic | Up to 100,000 Etihad Guest Miles campaignApply by 31 October 2026; fee payment and AED 45,000 spend in three months unlock two stages.Apply by 31 October and activate within 30 days. New Etihad-card customers earn 50,000 miles after the campaign fee, then 50,000 after AED 45,000 retail spend in three months. Issuance must be by 5 November. This replaces standard miles. | Reward offer | 2026-10-31 | AED 943.95 | AED 12,000 |
Signup miles40,000 Skywards MilesPay the annual fee. Apply and receive approval from 1 September to 31 October 2026. Campaign eligibility: UAE resident aged 21 or older, with no primary HSBC Skywards card now or in the previous 12 months. | Reward offer | 2026-10-31 | AED 2,625 | AED 30,000 | |
Welcome-spend miles30,000 Skywards MilesSpend AED 50,000 on eligible purchases within 60 days of account opening. Balance transfers, cash, fees and spending above the credit limit do not qualify. The same spend qualifies for Skywards Silver membership. | Reward offer | 2026-10-31 | AED 2,625 | AED 30,000 | |
Signup miles25,000 Skywards MilesPay the annual fee. Apply and receive approval from 1 September to 31 October 2026. Campaign eligibility: UAE resident aged 21 or older, with no primary HSBC Skywards card now or in the previous 12 months. | Reward offer | 2026-10-31 | AED 1,050 | AED 10,000 | |
Welcome-spend miles15,000 Skywards MilesSpend AED 20,000 on eligible purchases within 60 days of account opening. Balance transfers, cash, fees and spending above the credit limit do not qualify. The same spend qualifies for Skywards Silver membership. | Reward offer | 2026-10-31 | AED 1,050 | AED 10,000 | |
Rakbank Elevate Credit CardRakbank | 125,000 RAKrewards Welcome BonusApply through the Rakbank app 31 Aug-31 Oct 2026 without holding a Rakbank card, then spend AED 20,000 within 60 days.Apply for and be issued the card via the Rakbank digital app, 31 Aug-31 Oct 2026 (new to Rakbank credit cards), then spend AED 20,000 within 60 days of issuance for 125,000 RAKrewards, credited within 90 days after the promo ends. | Reward offer | 2026-10-31 | AED 617.4 | AED 35,000 |
AED 500 Welcome BonusSpend AED 5,000 within 60 days of card issuance, on an app application 20 July-31 October 2026.Rakbank's Islamic digital onboarding terms (20 July-31 Oct 2026) pay AED 500 on AED 5,000 spend within 60 days for an app-applied card. Stacking with another spend-based promotion on the same card in that window needs Rakbank's express permission. | Reward offer | 2026-10-31 | AED 0 | AED 15,000 | |
AED 750 Welcome BonusSpend AED 10,000 within 60 days of card issuance.Issued a Rakbank Islamic card through the app between 20 July and 31 October 2026, spend AED 10,000 within 60 days for an AED 750 bonus, credited within 90 days of the promotion ending. Not for existing cardholders or Rakbank staff. | Reward offer | 2026-10-31 | AED 0 | AED 20,000 | |
Rakbank RED Credit CardRakbank | AED 300 Welcome BonusApply through the Rakbank app 31 Aug-31 Oct 2026 without holding a Rakbank card, then spend AED 3,000 within 60 days.Existing Rakbank customers without a Rakbank credit card can apply in the app by 31 Oct 2026 and spend AED 3,000 within 60 days of issuance for AED 300 cashback. Self-employed customers and bank staff are excluded. | Reward offer | 2026-10-31 | AED 0 | AED 5,000 |
Rakbank Titanium Credit CardRakbank | AED 500 Welcome BonusApply through the Rakbank app 31 Aug-31 Oct 2026 without holding a Rakbank card, then spend AED 5,000 within 60 days.Existing Rakbank customers without a Rakbank credit card can apply in its app by 31 Oct 2026 and spend AED 5,000 within 60 days of issuance for AED 500 cashback. Self-employed customers and bank staff are excluded. | Reward offer | 2026-10-31 | AED 0 | AED 8,000 |
Rakbank World Credit CardRakbank | AED 750 Welcome BonusApply through the Rakbank app 31 Aug-31 Oct 2026 without holding a Rakbank card, then spend AED 10,000 within 60 days.Apply for and be issued the card via the Rakbank digital app, 31 Aug-31 Oct 2026 (new to Rakbank credit cards), then spend AED 10,000 within 60 days of issuance for an AED 750 cashback, credited within 90 business days after the promo ends. | Reward offer | 2026-10-31 | AED 997.5 | AED 20,000 |
Tabby Cash CardTabby | 3% Cashback For Everyone Until 1 November 2026All Tabby Cash customers earn the 3% rate during the launch period, with no subscription.After 1 November 2026 the 3% rate applies only to Tabby Plus subscribers and drops to 1% for everyone else. The AED 200 monthly cashback cap applies throughout. | Reward offer | 2026-10-31 | AED 0 | AED 0 |
AED 300–600 welcome cashbackApply by 5 Nov 2026; make 10 wallet purchases and meet your income-tier spend target within 60 days.New CBD card customers get AED 300 after AED 6,000 wallet spend (AED 8,000–9,999 income), AED 500 after AED 10,000 (AED 10,000–19,999 income), or AED 600 after AED 12,000 (AED 20,000+ income). Approval by 10 Nov; excluded from our estimate. | Reward offer | 2026-11-05 | AED 420 | AED 5,000 | |
AED 750–1,000 welcome cashbackApply by 5 Nov 2026; make 10 wallet purchases and meet your income-tier spend target within 60 days.New CBD card customers get AED 750 after AED 15,000 wallet spend (AED 15,000–29,999 income) or AED 1,000 after AED 20,000 (AED 30,000+ income). Approval by 10 Nov; excluded from our estimate. Other terms apply. | Reward offer | 2026-11-05 | AED 787.5 | AED 15,000 | |
Marriott Bonvoy ADIB Visa Infinite CardAbu Dhabi Islamic Bank (ADIB) | 50,000 extra points for a limited timeApplications from 27 August to 30 November 2026, on the same USD 15,000 spend.Applications submitted between 27 August and 30 November 2026, with the card issued by 15 December 2026, earn a further 50,000 points on the same USD 15,000 spend condition — taking the welcome bonus to 200,000. | Reward offer | 2026-11-30 | AED 2,625 | AED 5,000 |
0% Balance Transfer & Cash-on-Call0% interest on 6- or 12-month Balance Transfer and Cash-on-Call plans, applied within 30 days of card issuance.Apply via the CBD Mobile App within 30 days of card issuance. One-time processing fee: 1.99% (6-month) or 2.99% (12-month). Offer valid until 31 December 2026. | Balance transfer | 2026-12-31 | AED 0 | AED 5,000 | |
Emirates Islamic Switch Cashback Credit CardEmirates Islamic | AED 500 campaign welcome cashbackApply by 31 December 2026 and spend AED 15,000 within 60 days.The issuer's current Switch Cashback campaign offers AED 500 in cashback points after AED 15,000 retail spend within 60 days of approval. | Reward offer | 2026-12-31 | AED 313.95 | AED 5,000 |
Up to AED 800 welcome cashbackEarn AED 600 after AED 6,000 spend in 60 days, plus two AED 100 activation bonuses.New primary cardholders (no HSBC primary card in the prior 6 months) earn AED 600 after AED 6,000 spend in 60 days, plus AED 100 for a first mobile-wallet payment and AED 100 for a first supplementary card. Apply by 31 Dec 2026. | Reward offer | 2026-12-31 | AED 313.95 | AED 10,000 | |
Aafaq World Elite Credit CardAafaq Islamic Finance | 20% cashback on Amazon, noon, Careem and TalabatEarn 20% cashback on spends at Amazon.ae, noon.com, Careem and Talabat for the first 90 days.Available on new cards for the first 90 days from issuance. Cashback is capped at AED 50 per merchant/month, up to AED 600 total across the offer period. Credited within 60 days of the transaction posting date. | Reward offer | Ongoing | AED 1,050 | AED 20,000 |
ADCB 365 Cashback Credit CardAbu Dhabi Commercial Bank (ADCB) | No Annual Feefor the first year | Fee waiver | Ongoing | AED 383.25 | AED 5,000 |
ADCB 365 Cashback Credit CardAbu Dhabi Commercial Bank (ADCB) | Welcome BonusAED 365 welcome bonus on spending AED 5,000 in the first 45 daysBonus is credited within 90 days of card issuance after the spending requirement is met | Reward offer | Ongoing | AED 383.25 | AED 5,000 |
ADCB Shukran Credit CardAbu Dhabi Commercial Bank (ADCB) | Up to AED 1,200 in ShukransAED 1,200 for UAE Nationals, AED 1,000 for residents, after AED 8,000 spend.Earn up to AED 1,200 in Shukrans (AED 1,200 for UAE Nationals, AED 1,000 for residents, AED 200 for existing cardholders) when you spend AED 8,000 within 60 days of card issuance. | Reward offer | Ongoing | AED 262.5 | AED 5,000 |
ADCB Talabat Credit CardAbu Dhabi Commercial Bank (ADCB) | Welcome BonusNew cardholders applying digitally can get AED 750 talabat credit after AED 5,000 spend in 45 days; existing cardholders can get AED 200.One-time reward credited to the primary cardholder’s talabat Pay account within 90 days of issuance. Existing card conversions and repeat Talabat card applications do not qualify. | Reward offer | Ongoing | AED 0 | AED 5,000 |
ADCB TouchPoints Infinite Credit CardAbu Dhabi Commercial Bank (ADCB) | 15,000 bonus TouchPointsBonus TouchPoints after AED 15,000 eligible spend in a month.Receive 15,000 bonus TouchPoints in an eligible month when you spend AED 15,000 or more. | Reward offer | Ongoing | AED 1,050 | AED 25,000 |
ADCB TouchPoints Infinite Credit CardAbu Dhabi Commercial Bank (ADCB) | AED 1,200 Expedia.ae VoucherOne-time 2-night hotel voucher after paying the first-year annual fee.Issued within 60 days of the fee; valid 6 months. One two-night stay at expedia.ae/adcb, base rate only. Not valid at Marriott, Hilton, IHG, Radisson, Wyndham, Four Seasons, Emaar, Rove or Atlantis hotels or other chains on Expedia's exclusion list. | Reward offer | Ongoing | AED 1,050 | AED 25,000 |
ADCB Traveller Credit CardAbu Dhabi Commercial Bank (ADCB) | AED 2,000 Expedia VoucherGet an AED 2,000 Expedia.ae hotel voucher after paying the annual fee and spending AED 15,000 within 60 days.Issued within 60 days of the fee; valid 6 months. Single use at expedia.ae/adcb on one room's base rate. Not valid at Marriott, Hilton, IHG, Radisson, Wyndham, Four Seasons, Emaar, Rove or Atlantis hotels or other chains on Expedia's exclusion list. | Reward offer | Ongoing | AED 1,575 | AED 20,000 |
ADIB Emirates Skywards Visa Infinite Covered CardAbu Dhabi Islamic Bank (ADIB) | Welcome miles50,000 Skywards MilesActivate and make the first eligible retail purchase within 30 days of issuance. Emirates employees are excluded. One-time offer; cancelled and re-applied cards and card upgrades do not qualify. | Reward offer | Ongoing | AED 4,725 | AED 5,000 |
ADIB Emirates Skywards Visa Signature Covered CardAbu Dhabi Islamic Bank (ADIB) | Welcome miles25,000 Skywards MilesActivate and make the first eligible retail purchase within 30 days of issuance. Emirates employees are excluded. One-time offer; cancelled and re-applied cards and card upgrades do not qualify. | Reward offer | Ongoing | AED 1,575 | AED 5,000 |
ADIB SHARE Infinite Credit CardAbu Dhabi Islamic Bank (ADIB) | 10,000 SHARE PointsWorth AED 1,000, credited within 60 days of your first annual fee payment.New holders receive 10,000 SHARE Points (AED 1,000 value) within 60 days of paying the first annual fee, after activation and a first retail transaction within 30 days of issuance. | Reward offer | Ongoing | AED 1,048.95 | AED 5,000 |
ADIB SHARE Infinite Credit CardAbu Dhabi Islamic Bank (ADIB) | Double SHARE Points for 90 DaysNew applicants earn 12% (instead of 6%) at a narrower list of Carrefour/MAF venues for 90 days after issuance.New applications 15 May-31 Dec 2026 (issued by 15 Jan 2027) earn 12% instead of 6% in SHARE Points for 90 days, but only at Mall of the Emirates, City Centre Malls, Carrefour, Ski Dubai and Magic Planet — narrower than the standing 5,000+ MAF rate. | Reward offer | Ongoing | AED 1,048.95 | AED 5,000 |
ADIB SHARE Visa Platinum CardAbu Dhabi Islamic Bank (ADIB) | 2,000 SHARE PointsWorth AED 200, credited within 60 days of your first annual fee payment.Earn 2,000 SHARE Points (AED 200 at 10 SHARE Points = AED 1) on activation and your first retail transaction within 30 days of card issuance. Not applicable on card reissuance if already credited. | Reward offer | Ongoing | AED 208.95 | AED 5,000 |
ADIB SHARE Visa Platinum CardAbu Dhabi Islamic Bank (ADIB) | Double SHARE Points for 90 DaysNew applicants earn 6% (instead of 3%) at Carrefour and MAF venues for 90 days after card issuance.For new applications submitted 15 May-31 Dec 2026 (issued by 15 Jan 2027): the Carrefour/Majid Al Futtaim rate doubles from 3% to 6% in SHARE Points for 90 days after issuance. Other spend is unaffected. | Reward offer | Ongoing | AED 208.95 | AED 5,000 |
Ajman Bank LIFE World Credit CardAjman Bank | AED 1,000 Welcome CashbackAED 1,000 cashback for new LIFE World cardholdersEarn AED 1,000 cashback when you spend AED 10,000 within 60 days from card issuance date. For new cardholders only. | Reward offer | Ongoing | AED 630 | AED 20,000 |
Ajman Bank LIFE World Credit CardAjman Bank | Annual Fee WaiverAnnual fee waived with AED 5,000 retail spend in first 60 daysThe AED 630 annual membership fee is waived if you complete AED 5,000 in retail purchases within 60 days of card issuance. | Fee waiver | Ongoing | AED 630 | AED 20,000 |
Ajman Bank ULTRACASH Credit CardAjman Bank | Welcome BonusUp to AED 500 as cashback.Get AED 500 as a UAE national or AED 300 as an expatriate after one retail transaction in the first 30 days and payment of the annual fee. Reapplicants are excluded. | Reward offer | Ongoing | AED 315 | AED 10,000 |
90-day Smiles UnlimitedComplimentary 90-day Smiles Unlimited subscription for new cardholders.New cardholders receive 90 days of Smiles Unlimited. After that, 30-day free renewals require 25,000 points earned on Smiles or Etisalat merchant spends in the previous 60 days; otherwise renewal costs AED 29 a month. | Reward offer | Ongoing | AED 525 | AED 5,000 | |
AED 200 Unravel hotel discountAED 200 extra discount on Unravel hotel bookings.The Smiles app issues the Unravel voucher within 30 days of card issuance; it remains valid for 90 days from issuance. | Reward offer | Ongoing | AED 525 | AED 5,000 | |
Free first yearNo annual fee in year one; AED 525/year from year two.First-year annual fee is waived. From year two, AED 525/year applies, waived if annual retail spend reaches AED 24,000. | Fee waiver | Ongoing | AED 525 | AED 5,000 | |
No Annual Fee for the first yearAED 420 annual fee applies from the second year.The first year is free; the recurring annual fee is AED 420 thereafter. | Fee waiver | Ongoing | AED 420 | AED 5,000 | |
First year freeNo annual fee in the first year.The annual fee is waived in the first year, and reversed in later years when prior-12-month retail spend reaches AED 100,000. | Fee waiver | Ongoing | AED 787.5 | AED 15,000 | |
AED 200Get 20,000 Yes Rewards worth AED 200 as a welcome gift.Offer valid for new cardholders on meeting minimum spend of 1 AED within 90 days of the card issuance. | Reward offer | Ongoing | AED 208.95 | AED 5,000 | |
Citi Cashback Credit CardCitibank | AED 300 Direct Citi Welcome CreditFor direct Citi applicants after AED 6,000 spend in 60 days; affiliate applications do not qualify.New Citi credit card customers who apply directly on Citi's website and spend AED 6,000 within 60 days can receive AED 300. Applications through third-party or affiliate links are excluded. | Reward offer | Ongoing | AED 315 | AED 8,000 |
Citi Cashback Credit CardCitibank | Waived Annual Feefor the first year | Fee waiver | Ongoing | AED 315 | AED 8,000 |
Citi Premier Credit CardCitibank | AED 750 Welcome BonusDirect Citi applicants may get AED 750 after spending AED 10,000 within 60 days; affiliate applications do not qualify.New Citi customers applying directly on citibank.ae earn an AED 750 statement credit after AED 10,000 spend within 60 days of card issuance. Third-party or affiliate applications do not qualify. | Reward offer | Ongoing | AED 787.5 | AED 15,000 |
Citi Rewards Credit CardCitibank | AED 300 Statement CreditDirect Citi applicants may get AED 300 after spending AED 6,000 within 60 days; affiliate applications do not qualify.Available to new Citi credit card customers who apply directly through citibank.ae. Spend AED 6,000 within 60 days of card approval to receive a AED 300 statement credit. | Reward offer | Ongoing | AED 315 | AED 8,000 |
First year freeNo annual fee in the first year.The AED 210 annual membership fee is waived for the first year. | Fee waiver | Ongoing | AED 210 | AED 5,000 | |
First Year FreeNo annual fee in your first year.The AED 525 annual membership fee for the Deem World Mastercard is waived for your first year from card issuance. | Fee waiver | Ongoing | AED 525 | AED 25,000 | |
DIB Emirates Skywards Infinite Covered CardDubai Islamic Bank | Activation bonus25,000 Skywards MilesActivate the card and pay the applicable annual fee. | Reward offer | Ongoing | AED 1,575 | AED 20,000 |
DIB Emirates Skywards Infinite Covered CardDubai Islamic Bank | Balance-transfer bonus25,000 additional MilesTransfer at least AED 50,000 and maintain the transfer for six months. Financing charges apply. | Balance transfer | Ongoing | AED 1,575 | AED 20,000 |
DIB Emirates Skywards Infinite Covered CardDubai Islamic Bank | Spending bonus25,000 additional Skywards MilesSpend USD 20,000 equivalent within the first four card statements. | Reward offer | Ongoing | AED 1,575 | AED 20,000 |
DIB Emirates Skywards Platinum Covered CardDubai Islamic Bank | Activation bonus5,000 Skywards MilesNew cardholders receive this one-time bonus after card activation. DIB credits it within 48 hours of qualifying; cancelling and reapplying does not earn it again. The standard AED 525 annual fee applies. | Reward offer | Ongoing | AED 525 | AED 10,000 |
DIB Emirates Skywards Signature Covered CardDubai Islamic Bank | Activation bonus15,000 Skywards MilesActivate the card and pay the applicable annual fee. | Reward offer | Ongoing | AED 735 | AED 15,000 |
DIB Emirates Skywards Signature Covered CardDubai Islamic Bank | Balance-transfer bonus15,000 additional MilesTransfer at least AED 30,000 and maintain the transfer for six months. Financing charges apply. | Balance transfer | Ongoing | AED 735 | AED 15,000 |
DIB SHAMS Infinite Credit CardDubai Islamic Bank | 20% at five online merchantsUp to AED 150 per month for the first three calendar months.Earn 20% on eligible Amazon, Deliveroo, Dubai Now, noon and Talabat transactions. Cashback is capped at AED 25 per merchant and AED 150 total per month for the first three calendar months. | Reward offer | Ongoing | AED 0 | AED 20,000 |
DIB SHAMS Infinite Credit CardDubai Islamic Bank | 200,000 Wala'a RewardsSpend USD 15,000 in the first 90 days.New DIB covered-card customers issued SHAMS Infinite by 31 December 2026 can earn 200,000 Wala'a Rewards after USD 15,000 of eligible retail spend posts within 90 days. Worth AED 1,000 when redeemed for travel, hotels or bills. | Reward offer | Ongoing | AED 0 | AED 20,000 |
Emirates Islamic Amazon Platinum Credit CardEmirates Islamic | Welcome BonusUp to AED 500 for Prime members or up to AED 200 for non-Prime membersPrime members earn AED 250 on retail spend plus AED 250 on international spend within the first 60 days of card issuance; non-Prime members earn AED 100 on each. Valid for cards issued between 23 May 2026 and 31 October 2026. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Emirates Islamic Amazon World Credit CardEmirates Islamic | Welcome BonusUp to AED 500 for Prime members or AED 200 for non-Prime membersFor cards issued 23 May–31 October 2026: AED 250 after AED 10,000 retail spend and AED 250 after AED 2,500 non-AED retail spend, both within 60 days. Non-Prime: AED 100 at each threshold. Prime status is checked on day 60. | Reward offer | Ongoing | AED 0 | AED 15,000 |
Emirates Islamic Barça Cashback Credit CardEmirates Islamic | Exclusive FC Barcelona ExperiencesWin Camp Nou tickets and signed merchandiseFC Barcelona cardholders get access to money-can't-buy experiences, including the chance to win match tickets at Camp Nou and signed merchandise. Experiences run as periodic campaigns — check the EI+ app for current draws. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Emirates Islamic Emarati Credit CardEmirates Islamic | AED 1,000 Cashback Welcome BonusAED 1,000 cashback after AED 15,000 retail spendNew-to-bank applicants sourced 1 September–31 October 2026 and approved by 10 November earn AED 1,000 cashback after AED 15,000 retail spend within 60 days of card issuance. | Reward offer | Ongoing | AED 0 | AED 12,000 |
Emirates Islamic Etihad Guest Ameera Credit CardEmirates Islamic | 20,000 Etihad Guest MilesWelcome bonus of 20,000 Etihad Guest Miles.Earn 20,000 Etihad Guest Miles after paying the annual membership fee under the standard card offer. A separate campaign through 31 October 2026 replaces this award for qualifying new applicants; the two awards do not stack. | Reward offer | Ongoing | AED 733.95 | AED 12,000 |
Emirates Islamic Etihad Guest Platinum Credit CardEmirates Islamic | 5,000 Etihad Guest MilesWelcome bonus of 5,000 Etihad Guest Miles.Earn 5,000 Etihad Guest Miles after paying the annual membership fee under the standard card offer. A separate campaign through 31 October 2026 replaces this award for qualifying new applicants; the two awards do not stack. | Reward offer | Ongoing | AED 208.95 | AED 5,000 |
Emirates Islamic Etihad Guest Premium Credit CardEmirates Islamic | Up to 55,000 Etihad Guest MilesWelcome bonus of up to 55,000 Etihad Guest Miles.Standard Premium offers up to 55,000 Etihad Guest Miles as a welcome bonus. A campaign through 31 October replaces this award. | Reward offer | Ongoing | AED 2,625 | AED 20,000 |
Emirates Islamic Etihad Guest Saqer Credit CardEmirates Islamic | 30,000 Etihad Guest MilesWelcome bonus of 30,000 Etihad Guest Miles.Earn 30,000 Etihad Guest Miles after paying the annual membership fee under the standard card offer. A separate campaign through 31 October 2026 replaces this award for qualifying new applicants; the two awards do not stack. | Reward offer | Ongoing | AED 943.95 | AED 12,000 |
Emirates Islamic Flex Credit CardEmirates Islamic | 10,000 EI SmartMiles Welcome Bonus10,000 EI SmartMiles on card approvalEarn 10,000 EI SmartMiles as a welcome bonus. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Emirates Islamic Switch Cashback Credit CardEmirates Islamic | First Year FreeNo annual fee for the first yearAnnual fee of AED 313.95 waived for the first year. Subsequently waived with AED 30,000 annual spend. | Fee waiver | Ongoing | AED 313.95 | AED 5,000 |
Emirates NBD Skywards Visa Debit CardEmirates NBD | 25,000 Skywards Milesafter payment of the joining feeThe published product page awards 25,000 Skywards Miles after the joining fee is paid. | Reward offer | Ongoing | AED 2,520 | AED 0 |
ENBD Darna Infinite Privilege Credit CardEmirates NBD | Up to 25,000 Darna Points15,000 points on fee payment plus 10,000 points after early spend.Earn 15,000 Darna Points on payment of joining fees and another 10,000 Darna Points when you spend AED 30,000 in the first 3 months. | Reward offer | Ongoing | AED 2,625 | AED 50,000 |
ENBD Darna Visa Infinite Credit CardEmirates NBD | Up to 15,000 Darna Points7,500 points on fee payment plus 7,500 points after eligible early spend.Earn 7,500 Darna Points on payment of the joining fee and another 7,500 Darna Points when you spend AED 20,000 in the first 3 months. | Reward offer | Ongoing | AED 1,575 | AED 30,000 |
ENBD Darna Visa Signature Credit CardEmirates NBD | 3,000 Darna PointsEarn 3,000 points after AED 15,000 spend.Earn 3,000 Darna Points when you spend AED 15,000 in the first 3 months. | Reward offer | Ongoing | AED 315 | AED 12,000 |
ENBD Dnata Platinum Credit CardEmirates NBD | Up to 1,000 dnata Points500 on joining fee; 500 on eligible spendEarn 500 dnata Points on payment of the joining fee and another 500 after AED 10,000 retail spend within the first three billing statements. | Reward offer | Ongoing | AED 525 | AED 5,000 |
ENBD Dnata World Credit CardEmirates NBD | Up to 2,500 dnata Points1,000 points on fee + 1,500 on spend1,000 dnata Points on payment of the joining fee, plus 1,500 points after AED 25,000 retail spend within the first three billing statements. | Reward offer | Ongoing | AED 1,048.95 | AED 20,000 |
ENBD Etihad Guest Visa Elevate Credit CardEmirates NBD | Up to 200,000 Bonus Etihad Guest Miles40,000 on joining, up to 160,000 more on spendEarn 40,000 miles on payment of the joining fee, 60,000 miles on spending AED 90,000 within 6 months, and 100,000 miles on spending AED 120,000 within 6 months of card issuance. | Reward offer | Ongoing | AED 1,575 | AED 30,000 |
ENBD Lulu 247 Platinum Credit CardEmirates NBD | 500 LuLu Points welcome bonusEarn up to 500 LuLu Points, subject to spend and joining conditions.Earn 250 points after paying the joining fee and making a first transaction, then 250 more after spending AED 8,000 in the first two billing statements. | Reward offer | Ongoing | AED 262.5 | AED 12,000 |
ENBD Lulu 247 Titanium Credit CardEmirates NBD | 0% balance transfer0% balance transfer with no processing fee.At onboarding, transfer AED 1,000 or more for 6 or 12 months at 0% with no processing fee, up to 50% of the available credit limit. | Balance transfer | Ongoing | AED 0 | AED 5,000 |
ENBD Marriott Bonvoy World EliteEmirates NBD | Up to 200,000 Marriott Bonvoy PointsWelcome bonus of up to 200,000 Marriott Bonvoy Points.Earn 100,000 points on activation and joining-fee payment, plus 100,000 after USD 15,000 retail spend in the first three billing statements. This offer applies to cards issued between 15 September and 30 November 2026. | Reward offer | Ongoing | AED 1,575 | AED 25,000 |
ENBD noon One Visa Credit CardEmirates NBD | AED 500 welcome bonusAED 500 when you spend AED 5,000 in the first two months.Applicable only for new-to-bank or new-to-card customers who meet the AED 5,000 spend requirement within the first two months. | Reward offer | Ongoing | AED 0 | AED 5,000 |
ENBD SHARE Infinite Credit CardEmirates NBD | 10,000 SHARE PointsAED 1,000 welcome value after AED 40,000 spend.Earn 10,000 SHARE Points when you spend AED 40,000 in the first 3 months. | Reward offer | Ongoing | AED 1,575 | AED 30,000 |
ENBD SHARE Infinite Credit CardEmirates NBD | Joining Fee ReversalGet your AED 1,575 joining fee reversed after AED 40,000 spend.Emirates NBD reverses the ENBD SHARE Infinite Credit Card joining fee when you spend AED 40,000 within the first 3 months of card issuance. | Fee waiver | Ongoing | AED 1,575 | AED 30,000 |
ENBD SHARE Signature Credit CardEmirates NBD | 5,000 SHARE PointsAED 500 welcome value after AED 25,000 spend.Earn 5,000 SHARE Points when you spend AED 25,000 in the first 3 months. | Reward offer | Ongoing | AED 0 | AED 12,000 |
ENBD Skywards Infinite Credit CardEmirates NBD | Complimentary Rotana Rewards Exclusive Club MembershipAED 1,050 value in year-1 dining and stay perks.Complimentary Rotana Rewards Exclusive Club membership for year 1, worth AED 1,050 in value: an AED 250 dining certificate, up to 50% off the food bill, and up to 20% off beverages and room rates at participating Rotana properties. | Reward offer | Ongoing | AED 1,575 | AED 30,000 |
ENBD Skywards Infinite Credit CardEmirates NBD | Up to 100,000 Bonus Skywards Miles35,000 on joining, up to 65,000 more on spend milestones.Earn 35,000 Skywards Miles on joining-fee payment, 40,000 on min. USD 25,000 spend (first 3 statements), and 25,000 on min. USD 7,500 Emirates spend (first 12 statements). POS-activation required, year 1 only. | Reward offer | Ongoing | AED 1,575 | AED 30,000 |
ENBD Skywards Signature Credit CardEmirates NBD | Up to 40,000 Bonus Skywards MilesUp to 40,000 bonus Skywards Miles when you meet the joining and spend conditions.Earn 15,000 miles on joining-fee payment, 15,000 on USD 10,000 spend within the first three statements, and 10,000 on USD 3,750 Emirates spend within the first twelve statements. | Reward offer | Ongoing | AED 735 | AED 12,000 |
ENBD U By Emaar Infinite Credit CardEmirates NBD | Up to 25,000 UPointsEarn up to 25,000 UPoints as welcome bonus.15,000 UPoints after card activation and payment of the joining fee, plus 10,000 after USD 10,000 eligible retail spend in the first three billing statements. | Reward offer | Ongoing | AED 1,575 | AED 30,000 |
Joining fee waivedPay no joining fee under the current offer.The AED 2,625 joining fee is currently advertised as waived. The Key Facts Statement and fee guide list AED 2,625 as the standard joining fee. | Fee waiver | Ongoing | AED 1,575 | AED 30,000 | |
Up to 25,000 welcome UPointsDouble Emaar UPoints for 3 months plus a 10,000-UPoint spend bonus.Earn double UPoints at Emaar destinations for the first 3 months, plus 10,000 UPoints after USD 10,000 retail spend in the first 3 billing cycles — up to 25,000 UPoints total (AED 2,500 at 10 UPoints = AED 1). | Reward offer | Ongoing | AED 1,575 | AED 30,000 | |
ENBD Voyager World Credit CardEmirates NBD | 75,000 Voyager MilesEarn 75,000 Voyager Miles after AED 35,000 spend.Spend AED 35,000 within 3 months of issuance to earn the welcome offer. Offered in the first year only. | Reward offer | Ongoing | AED 0 | AED 12,000 |
ENBD Voyager World Elite Credit CardEmirates NBD | 150,000 Voyager MilesEarn 150,000 Voyager Miles after AED 70,000 spend.Spend AED 70,000 within 3 months of issuance to earn the welcome offer. Offered in the first year only. | Reward offer | Ongoing | AED 1,575 | AED 25,000 |
FAB ADNOC Rewards Credit CardFirst Abu Dhabi Bank (FAB) | AED 300 Welcome BonusEarn 300,000 ADNOC Rewards points (worth AED 300) after paying the annual fee on a card issued by 17 December 2026.For cards issued from 18 December 2025 to 17 December 2026, the AED 300 bonus is credited after the annual membership fee is paid and the second statement is issued. FAB and ADNOC staff are ineligible. No minimum spend is specified. | Reward offer | Ongoing | AED 315 | AED 5,000 |
FAB Blue Infinite Credit CardFirst Abu Dhabi Bank (FAB) | AED 5,000 Welcome Offer for UAE NationalsAED 5,000 in Al-Futtaim FAB Rewards after AED 12,000 eligible retail spend in each of the first three 30-day cyclesFor UAE nationals applying 24 September–23 November 2026. Spend AED 12,000 in eligible retail purchases in each of the first three 30-day cycles. Balance transfers, Quick Cash and payment plans are excluded; rewards arrive within 90 days. | Reward offer | Ongoing | AED 0 | AED 40,000 |
FAB Etihad Guest Infinite Credit CardFirst Abu Dhabi Bank (FAB) | 55,000 Etihad Guest Miles55,000 joining miles after card activation and first annual-fee payment.FAB credits 55,000 joining miles after activation and payment of the first annual fee; no purchase-spend threshold applies. | Reward offer | Ongoing | AED 2,625 | AED 30,000 |
FAB Etihad Guest Signature Credit CardFirst Abu Dhabi Bank (FAB) | 35,000 Etihad Guest MilesJoining miles after activation and annual-fee payment.FAB credits 35,000 joining miles after card activation and payment of the first annual fee; no retail-spend threshold applies. | Reward offer | Ongoing | AED 1,575 | AED 15,000 |
FAB Rewards Active Credit CardFirst Abu Dhabi Bank (FAB) | 3 Months Free TOD StreamingSpend AED 3,000 in the first 30 days and get a TOD voucher.Voucher is sent within 30 days after meeting the spend target. Redeem on the dedicated TOD page to activate access. | Reward offer | Ongoing | AED 315 | AED 5,000 |
FAB SHARE Infinite Credit CardFirst Abu Dhabi Bank (FAB) | 10,000 bonus SHARE pointsReceive 10,000 SHARE points (worth AED 1,000) on card activation.For new cardholders on activation. See bankfab.com for eligibility terms. | Reward offer | Ongoing | AED 1,050 | AED 25,000 |
FAB SHARE Signature Credit CardFirst Abu Dhabi Bank (FAB) | 5,000 bonus SHARE pointsReceive 5,000 SHARE points (worth AED 500) on card activation.For new cardholders on activation. See bankfab.com for eligibility terms. | Reward offer | Ongoing | AED 525 | AED 10,000 |
FAB Travel Credit CardFirst Abu Dhabi Bank (FAB) | Free Flight Vouchereconomy return to one of 22 destinations, issued within 45 days of activation.No spend needed. The code arrives by SMS within 45 days of activation and expires after 30 days. Pick three destinations and three dates from Abu Dhabi or Dubai; Mastercard's travel partner offers one itinerary to accept within 48 hours. | Flight benefit | Ongoing | AED 1,575 | AED 20,000 |
No Annual Fee for Your First YearAED 1,050 annual fee waived for your first 12 months with HSBC Cash+.HSBC waives the AED 1,050 annual fee for your first year with the Cash+ card. From year two, it's waived again whenever your card spend reaches AED 24,000 or more that year. | Fee waiver | Ongoing | AED 1,050 | AED 30,000 | |
Invest Bank Platinum Credit CardInvest Bank | First Year FreeAnnual fee waived for the first yearAED 525 annual fee applies from the second year onwards | Fee waiver | Ongoing | AED 525 | AED 5,000 |
Marriott Bonvoy ADIB Visa Infinite CardAbu Dhabi Islamic Bank (ADIB) | 150,000 Marriott Bonvoy points100,000 on card issuance, plus 50,000 after USD 15,000 spend in 90 days.100,000 points are credited on card issuance. A further 50,000 follow once qualifying spend reaches USD 15,000 within 90 days of issuance. Supplementary cardholders and Signature upgraders do not qualify. | Reward offer | Ongoing | AED 2,625 | AED 5,000 |
Marriott Bonvoy ADIB Visa Signature CardAbu Dhabi Islamic Bank (ADIB) | 50,000 Marriott Bonvoy pointsAwarded as a sign-up bonus on the Signature card.New Marriott Bonvoy ADIB Visa Signature cardholders receive 50,000 Marriott Bonvoy points. The bonus has no minimum spend. | Reward offer | Ongoing | AED 523.95 | AED 5,000 |
Mashreq Aura Credit CardMashreq Bank | Welcome BonusAED 500 as Aura Points for new Mashreq credit card customers; a smaller bonus for recent Mashreq cardholders.Spend AED 5,000 in the first two months after issuance. The bonus is credited to your Aura account by the end of the third month. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Mashreq Aura World Credit CardMashreq Bank | Welcome BonusAED 1,000 as Aura Points for new Mashreq credit card customers; a smaller bonus for recent Mashreq cardholders.Spend AED 10,000 in the first two months after issuance. The bonus is credited to your Aura account by the end of the third month. | Reward offer | Ongoing | AED 525 | AED 10,000 |
Mashreq Aura World Elite Credit CardMashreq Bank | Welcome BonusAED 2,500 as Aura Points for new Mashreq credit card customers; a smaller bonus for recent Mashreq cardholders.Spend AED 15,000 in the first two months after issuance. The bonus is credited to your Aura account by the end of the third month. | Reward offer | Ongoing | AED 1,575 | AED 25,000 |
Mashreq Cashback Credit CardMashreq Bank | Additional Cashback20% cashback on Netflix, Talabat, Careem and more for the first four months.Maximum cashback of AED 50 per merchant per month. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Mashreq Cashback Credit CardMashreq Bank | Welcome BonusAED 500 for applicants without a current Mashreq credit card; AED 100 for recent cardholders.Spend AED 5,000 in the first two months after issuance. The offer is for a newly issued primary card, and the bonus is credited by the end of the third month. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Mashreq Noon Credit CardMashreq Bank | Up to AED 500 Welcome BonusAED 500 for applicants without a current Mashreq credit card; AED 100 for recent cardholders.Spend AED 5,000 in the first two months after issuance. Applicants without a current Mashreq credit card receive AED 500; those who held one within six months receive AED 100. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Mashreq Platinum Plus Credit CardMashreq Bank | Up to AED 750 Welcome BonusAED 750 for new Mashreq card customers after AED 5,000 spend.New Mashreq credit-card customers receive AED 750, and existing card customers receive AED 200, after spending AED 5,000 in the first two months after issuance. | Reward offer | Ongoing | AED 313.95 | AED 5,000 |
Mashreq Solitaire Credit CardMashreq Bank | AED 2,500 Welcome BonusAED 2,500 cashback for new customers.AED 2,500 for applicants without an existing Mashreq credit card, or AED 500 for recent cardholders, after AED 9,000 of eligible spend in the first two months of card issuance. | Reward offer | Ongoing | AED 1,575 | AED 25,000 |
Rakbank Elevate Credit CardRakbank | First 3 months of Privilege freeTry Elevate's highest tier before monthly fees begin.Get the first three months of Elevate Privilege free. Activate the card and review the selected tier in the Rakbank app; eligibility and bank terms apply. | Fee waiver | Ongoing | AED 617.4 | AED 35,000 |
50,000 RAKrewards Welcome Bonuson AED 10,000 minimum spend within the first 3 statement cycles.Earn 50,000 RAKrewards after spending AED 10,000 within the first 3 statement cycles from card issuance. | Reward offer | Ongoing | AED 0 | AED 15,000 | |
SIB Cashback Credit CardSharjah Islamic Bank | No Annual Feefor the first year | Fee waiver | Ongoing | AED 199 | AED 8,000 |
Tamayaz World Credit CardLiv Digital Bank by Emirates NBD | Welcome BonusAED 1,000 cashback equivalent bonus.Spend AED 40,000 in the first 60 days from card activation to receive the welcome bonus. | Reward offer | Ongoing | AED 735 | AED 15,000 |
The American Express Platinum Credit CardAmerican Express | 30,000 Membership Rewards welcome pointsIssuer digital channels only: spend USD 5,500 within 90 days after approval.30,000 points for eligible new cardmembers approved via the Amex offer page or app after USD 5,500 spend in 90 days. Fee payment and a transaction within 30 days are required. The offer runs 1 January through 31 December 2026. | Reward offer | Ongoing | AED 735 | AED 21,250 |
UAB Titanium Credit CardUnited Arab Bank (UAB) | The Entertainer VIP KeyBuy-one-get-one-free offers on dining, attractions and more.Make one mobile-wallet payment and one taxi/food-delivery app transaction within 30 days of card receipt to receive a VIP Key via SMS within 45 days, unlocking BOGO offers on dining and attractions. | Reward offer | Ongoing | AED 0 | AED 5,000 |
UAB World Credit CardUnited Arab Bank (UAB) | The Entertainer VIP KeyBuy-one-get-one-free offers on dining, attractions and more.Make one mobile-wallet payment and one taxi/food-delivery app transaction within 30 days of card receipt to receive a VIP Key via SMS within 45 days, unlocking BOGO offers on dining and attractions. | Reward offer | Ongoing | AED 1,050 | AED 5,000 |
| Card | Offer | Type | Expiry | Annual fee | Min salary |
|---|---|---|---|---|---|
ENBD Voyager World Credit CardEmirates NBD | AED 250 cashbackActivate the card and spend AED 2,500 within 30 days of card issuance.Get AED 250 cashback after you activate the card and spend AED 2,500 within 30 days of card issuance. The card has to be approved and issued by 30 Oct 2026. Available only when you apply for the card through Kredit.Kredit exclusive | Reward offer | 2026-10-30 | AED 0 | AED 12,000 |
ENBD Voyager World Elite Credit CardEmirates NBD | AED 500 cashbackActivate the card and spend AED 5,000 within 30 days of card issuance.Get AED 500 cashback after you activate the card and spend AED 5,000 within 30 days of card issuance. The card has to be approved and issued by 30 Oct 2026. Available only when you apply for the card through Kredit.Kredit exclusive | Reward offer | 2026-10-30 | AED 1,575 | AED 25,000 |
Emirates Islamic Etihad Guest Ameera Credit CardEmirates Islamic | Up to 80,000 Etihad Guest Miles campaignApply by 31 October 2026; fee payment and AED 30,000 spend in three months unlock two stages.Apply by 31 October and activate within 30 days. New Etihad-card customers earn 30,000 miles after the campaign fee, then 50,000 after AED 30,000 retail spend in three months. Issuance must be by 5 November. This replaces standard miles. | Reward offer | 2026-10-31 | AED 733.95 | AED 12,000 |
Emirates Islamic Etihad Guest Platinum Credit CardEmirates Islamic | Up to 30,000 Etihad Guest Miles campaignApply by 31 October 2026; fee payment and AED 12,000 spend in three months unlock two stages.Apply by 31 October and activate within 30 days. New Etihad-card customers earn 10,000 miles after the campaign fee, then 20,000 after AED 12,000 retail spend in three months. Issuance must be by 5 November. This replaces standard miles. | Reward offer | 2026-10-31 | AED 208.95 | AED 5,000 |
Emirates Islamic Etihad Guest Premium Credit CardEmirates Islamic | Up to 200,000 Etihad Guest Miles campaignApply by 31 October 2026; fee payment and AED 60,000 spend in three months unlock two stages.Apply by 31 October and activate within 30 days. New Etihad-card customers earn 80,000 miles after the campaign fee, then 120,000 after AED 60,000 retail spend in three months. Issuance must be by 5 November. This replaces standard miles. | Reward offer | 2026-10-31 | AED 2,625 | AED 20,000 |
Emirates Islamic Etihad Guest Saqer Credit CardEmirates Islamic | Up to 100,000 Etihad Guest Miles campaignApply by 31 October 2026; fee payment and AED 45,000 spend in three months unlock two stages.Apply by 31 October and activate within 30 days. New Etihad-card customers earn 50,000 miles after the campaign fee, then 50,000 after AED 45,000 retail spend in three months. Issuance must be by 5 November. This replaces standard miles. | Reward offer | 2026-10-31 | AED 943.95 | AED 12,000 |
Signup miles40,000 Skywards MilesPay the annual fee. Apply and receive approval from 1 September to 31 October 2026. Campaign eligibility: UAE resident aged 21 or older, with no primary HSBC Skywards card now or in the previous 12 months. | Reward offer | 2026-10-31 | AED 2,625 | AED 30,000 | |
Welcome-spend miles30,000 Skywards MilesSpend AED 50,000 on eligible purchases within 60 days of account opening. Balance transfers, cash, fees and spending above the credit limit do not qualify. The same spend qualifies for Skywards Silver membership. | Reward offer | 2026-10-31 | AED 2,625 | AED 30,000 | |
Signup miles25,000 Skywards MilesPay the annual fee. Apply and receive approval from 1 September to 31 October 2026. Campaign eligibility: UAE resident aged 21 or older, with no primary HSBC Skywards card now or in the previous 12 months. | Reward offer | 2026-10-31 | AED 1,050 | AED 10,000 | |
Welcome-spend miles15,000 Skywards MilesSpend AED 20,000 on eligible purchases within 60 days of account opening. Balance transfers, cash, fees and spending above the credit limit do not qualify. The same spend qualifies for Skywards Silver membership. | Reward offer | 2026-10-31 | AED 1,050 | AED 10,000 | |
Rakbank Elevate Credit CardRakbank | 125,000 RAKrewards Welcome BonusApply through the Rakbank app 31 Aug-31 Oct 2026 without holding a Rakbank card, then spend AED 20,000 within 60 days.Apply for and be issued the card via the Rakbank digital app, 31 Aug-31 Oct 2026 (new to Rakbank credit cards), then spend AED 20,000 within 60 days of issuance for 125,000 RAKrewards, credited within 90 days after the promo ends. | Reward offer | 2026-10-31 | AED 617.4 | AED 35,000 |
AED 500 Welcome BonusSpend AED 5,000 within 60 days of card issuance, on an app application 20 July-31 October 2026.Rakbank's Islamic digital onboarding terms (20 July-31 Oct 2026) pay AED 500 on AED 5,000 spend within 60 days for an app-applied card. Stacking with another spend-based promotion on the same card in that window needs Rakbank's express permission. | Reward offer | 2026-10-31 | AED 0 | AED 15,000 | |
AED 750 Welcome BonusSpend AED 10,000 within 60 days of card issuance.Issued a Rakbank Islamic card through the app between 20 July and 31 October 2026, spend AED 10,000 within 60 days for an AED 750 bonus, credited within 90 days of the promotion ending. Not for existing cardholders or Rakbank staff. | Reward offer | 2026-10-31 | AED 0 | AED 20,000 | |
Rakbank RED Credit CardRakbank | AED 300 Welcome BonusApply through the Rakbank app 31 Aug-31 Oct 2026 without holding a Rakbank card, then spend AED 3,000 within 60 days.Existing Rakbank customers without a Rakbank credit card can apply in the app by 31 Oct 2026 and spend AED 3,000 within 60 days of issuance for AED 300 cashback. Self-employed customers and bank staff are excluded. | Reward offer | 2026-10-31 | AED 0 | AED 5,000 |
Rakbank Titanium Credit CardRakbank | AED 500 Welcome BonusApply through the Rakbank app 31 Aug-31 Oct 2026 without holding a Rakbank card, then spend AED 5,000 within 60 days.Existing Rakbank customers without a Rakbank credit card can apply in its app by 31 Oct 2026 and spend AED 5,000 within 60 days of issuance for AED 500 cashback. Self-employed customers and bank staff are excluded. | Reward offer | 2026-10-31 | AED 0 | AED 8,000 |
Rakbank World Credit CardRakbank | AED 750 Welcome BonusApply through the Rakbank app 31 Aug-31 Oct 2026 without holding a Rakbank card, then spend AED 10,000 within 60 days.Apply for and be issued the card via the Rakbank digital app, 31 Aug-31 Oct 2026 (new to Rakbank credit cards), then spend AED 10,000 within 60 days of issuance for an AED 750 cashback, credited within 90 business days after the promo ends. | Reward offer | 2026-10-31 | AED 997.5 | AED 20,000 |
Tabby Cash CardTabby | 3% Cashback For Everyone Until 1 November 2026All Tabby Cash customers earn the 3% rate during the launch period, with no subscription.After 1 November 2026 the 3% rate applies only to Tabby Plus subscribers and drops to 1% for everyone else. The AED 200 monthly cashback cap applies throughout. | Reward offer | 2026-10-31 | AED 0 | AED 0 |
AED 300–600 welcome cashbackApply by 5 Nov 2026; make 10 wallet purchases and meet your income-tier spend target within 60 days.New CBD card customers get AED 300 after AED 6,000 wallet spend (AED 8,000–9,999 income), AED 500 after AED 10,000 (AED 10,000–19,999 income), or AED 600 after AED 12,000 (AED 20,000+ income). Approval by 10 Nov; excluded from our estimate. | Reward offer | 2026-11-05 | AED 420 | AED 5,000 | |
AED 750–1,000 welcome cashbackApply by 5 Nov 2026; make 10 wallet purchases and meet your income-tier spend target within 60 days.New CBD card customers get AED 750 after AED 15,000 wallet spend (AED 15,000–29,999 income) or AED 1,000 after AED 20,000 (AED 30,000+ income). Approval by 10 Nov; excluded from our estimate. Other terms apply. | Reward offer | 2026-11-05 | AED 787.5 | AED 15,000 | |
Marriott Bonvoy ADIB Visa Infinite CardAbu Dhabi Islamic Bank (ADIB) | 50,000 extra points for a limited timeApplications from 27 August to 30 November 2026, on the same USD 15,000 spend.Applications submitted between 27 August and 30 November 2026, with the card issued by 15 December 2026, earn a further 50,000 points on the same USD 15,000 spend condition — taking the welcome bonus to 200,000. | Reward offer | 2026-11-30 | AED 2,625 | AED 5,000 |
0% Balance Transfer & Cash-on-Call0% interest on 6- or 12-month Balance Transfer and Cash-on-Call plans, applied within 30 days of card issuance.Apply via the CBD Mobile App within 30 days of card issuance. One-time processing fee: 1.99% (6-month) or 2.99% (12-month). Offer valid until 31 December 2026. | Balance transfer | 2026-12-31 | AED 0 | AED 5,000 | |
Emirates Islamic Switch Cashback Credit CardEmirates Islamic | AED 500 campaign welcome cashbackApply by 31 December 2026 and spend AED 15,000 within 60 days.The issuer's current Switch Cashback campaign offers AED 500 in cashback points after AED 15,000 retail spend within 60 days of approval. | Reward offer | 2026-12-31 | AED 313.95 | AED 5,000 |
Up to AED 800 welcome cashbackEarn AED 600 after AED 6,000 spend in 60 days, plus two AED 100 activation bonuses.New primary cardholders (no HSBC primary card in the prior 6 months) earn AED 600 after AED 6,000 spend in 60 days, plus AED 100 for a first mobile-wallet payment and AED 100 for a first supplementary card. Apply by 31 Dec 2026. | Reward offer | 2026-12-31 | AED 313.95 | AED 10,000 | |
Aafaq World Elite Credit CardAafaq Islamic Finance | 20% cashback on Amazon, noon, Careem and TalabatEarn 20% cashback on spends at Amazon.ae, noon.com, Careem and Talabat for the first 90 days.Available on new cards for the first 90 days from issuance. Cashback is capped at AED 50 per merchant/month, up to AED 600 total across the offer period. Credited within 60 days of the transaction posting date. | Reward offer | Ongoing | AED 1,050 | AED 20,000 |
ADCB 365 Cashback Credit CardAbu Dhabi Commercial Bank (ADCB) | No Annual Feefor the first year | Fee waiver | Ongoing | AED 383.25 | AED 5,000 |
ADCB 365 Cashback Credit CardAbu Dhabi Commercial Bank (ADCB) | Welcome BonusAED 365 welcome bonus on spending AED 5,000 in the first 45 daysBonus is credited within 90 days of card issuance after the spending requirement is met | Reward offer | Ongoing | AED 383.25 | AED 5,000 |
ADCB Shukran Credit CardAbu Dhabi Commercial Bank (ADCB) | Up to AED 1,200 in ShukransAED 1,200 for UAE Nationals, AED 1,000 for residents, after AED 8,000 spend.Earn up to AED 1,200 in Shukrans (AED 1,200 for UAE Nationals, AED 1,000 for residents, AED 200 for existing cardholders) when you spend AED 8,000 within 60 days of card issuance. | Reward offer | Ongoing | AED 262.5 | AED 5,000 |
ADCB Talabat Credit CardAbu Dhabi Commercial Bank (ADCB) | Welcome BonusNew cardholders applying digitally can get AED 750 talabat credit after AED 5,000 spend in 45 days; existing cardholders can get AED 200.One-time reward credited to the primary cardholder’s talabat Pay account within 90 days of issuance. Existing card conversions and repeat Talabat card applications do not qualify. | Reward offer | Ongoing | AED 0 | AED 5,000 |
ADCB TouchPoints Infinite Credit CardAbu Dhabi Commercial Bank (ADCB) | 15,000 bonus TouchPointsBonus TouchPoints after AED 15,000 eligible spend in a month.Receive 15,000 bonus TouchPoints in an eligible month when you spend AED 15,000 or more. | Reward offer | Ongoing | AED 1,050 | AED 25,000 |
ADCB TouchPoints Infinite Credit CardAbu Dhabi Commercial Bank (ADCB) | AED 1,200 Expedia.ae VoucherOne-time 2-night hotel voucher after paying the first-year annual fee.Issued within 60 days of the fee; valid 6 months. One two-night stay at expedia.ae/adcb, base rate only. Not valid at Marriott, Hilton, IHG, Radisson, Wyndham, Four Seasons, Emaar, Rove or Atlantis hotels or other chains on Expedia's exclusion list. | Reward offer | Ongoing | AED 1,050 | AED 25,000 |
ADCB Traveller Credit CardAbu Dhabi Commercial Bank (ADCB) | AED 2,000 Expedia VoucherGet an AED 2,000 Expedia.ae hotel voucher after paying the annual fee and spending AED 15,000 within 60 days.Issued within 60 days of the fee; valid 6 months. Single use at expedia.ae/adcb on one room's base rate. Not valid at Marriott, Hilton, IHG, Radisson, Wyndham, Four Seasons, Emaar, Rove or Atlantis hotels or other chains on Expedia's exclusion list. | Reward offer | Ongoing | AED 1,575 | AED 20,000 |
ADIB Emirates Skywards Visa Infinite Covered CardAbu Dhabi Islamic Bank (ADIB) | Welcome miles50,000 Skywards MilesActivate and make the first eligible retail purchase within 30 days of issuance. Emirates employees are excluded. One-time offer; cancelled and re-applied cards and card upgrades do not qualify. | Reward offer | Ongoing | AED 4,725 | AED 5,000 |
ADIB Emirates Skywards Visa Signature Covered CardAbu Dhabi Islamic Bank (ADIB) | Welcome miles25,000 Skywards MilesActivate and make the first eligible retail purchase within 30 days of issuance. Emirates employees are excluded. One-time offer; cancelled and re-applied cards and card upgrades do not qualify. | Reward offer | Ongoing | AED 1,575 | AED 5,000 |
ADIB SHARE Infinite Credit CardAbu Dhabi Islamic Bank (ADIB) | 10,000 SHARE PointsWorth AED 1,000, credited within 60 days of your first annual fee payment.New holders receive 10,000 SHARE Points (AED 1,000 value) within 60 days of paying the first annual fee, after activation and a first retail transaction within 30 days of issuance. | Reward offer | Ongoing | AED 1,048.95 | AED 5,000 |
ADIB SHARE Infinite Credit CardAbu Dhabi Islamic Bank (ADIB) | Double SHARE Points for 90 DaysNew applicants earn 12% (instead of 6%) at a narrower list of Carrefour/MAF venues for 90 days after issuance.New applications 15 May-31 Dec 2026 (issued by 15 Jan 2027) earn 12% instead of 6% in SHARE Points for 90 days, but only at Mall of the Emirates, City Centre Malls, Carrefour, Ski Dubai and Magic Planet — narrower than the standing 5,000+ MAF rate. | Reward offer | Ongoing | AED 1,048.95 | AED 5,000 |
ADIB SHARE Visa Platinum CardAbu Dhabi Islamic Bank (ADIB) | 2,000 SHARE PointsWorth AED 200, credited within 60 days of your first annual fee payment.Earn 2,000 SHARE Points (AED 200 at 10 SHARE Points = AED 1) on activation and your first retail transaction within 30 days of card issuance. Not applicable on card reissuance if already credited. | Reward offer | Ongoing | AED 208.95 | AED 5,000 |
ADIB SHARE Visa Platinum CardAbu Dhabi Islamic Bank (ADIB) | Double SHARE Points for 90 DaysNew applicants earn 6% (instead of 3%) at Carrefour and MAF venues for 90 days after card issuance.For new applications submitted 15 May-31 Dec 2026 (issued by 15 Jan 2027): the Carrefour/Majid Al Futtaim rate doubles from 3% to 6% in SHARE Points for 90 days after issuance. Other spend is unaffected. | Reward offer | Ongoing | AED 208.95 | AED 5,000 |
Ajman Bank LIFE World Credit CardAjman Bank | AED 1,000 Welcome CashbackAED 1,000 cashback for new LIFE World cardholdersEarn AED 1,000 cashback when you spend AED 10,000 within 60 days from card issuance date. For new cardholders only. | Reward offer | Ongoing | AED 630 | AED 20,000 |
Ajman Bank LIFE World Credit CardAjman Bank | Annual Fee WaiverAnnual fee waived with AED 5,000 retail spend in first 60 daysThe AED 630 annual membership fee is waived if you complete AED 5,000 in retail purchases within 60 days of card issuance. | Fee waiver | Ongoing | AED 630 | AED 20,000 |
Ajman Bank ULTRACASH Credit CardAjman Bank | Welcome BonusUp to AED 500 as cashback.Get AED 500 as a UAE national or AED 300 as an expatriate after one retail transaction in the first 30 days and payment of the annual fee. Reapplicants are excluded. | Reward offer | Ongoing | AED 315 | AED 10,000 |
90-day Smiles UnlimitedComplimentary 90-day Smiles Unlimited subscription for new cardholders.New cardholders receive 90 days of Smiles Unlimited. After that, 30-day free renewals require 25,000 points earned on Smiles or Etisalat merchant spends in the previous 60 days; otherwise renewal costs AED 29 a month. | Reward offer | Ongoing | AED 525 | AED 5,000 | |
AED 200 Unravel hotel discountAED 200 extra discount on Unravel hotel bookings.The Smiles app issues the Unravel voucher within 30 days of card issuance; it remains valid for 90 days from issuance. | Reward offer | Ongoing | AED 525 | AED 5,000 | |
Free first yearNo annual fee in year one; AED 525/year from year two.First-year annual fee is waived. From year two, AED 525/year applies, waived if annual retail spend reaches AED 24,000. | Fee waiver | Ongoing | AED 525 | AED 5,000 | |
No Annual Fee for the first yearAED 420 annual fee applies from the second year.The first year is free; the recurring annual fee is AED 420 thereafter. | Fee waiver | Ongoing | AED 420 | AED 5,000 | |
First year freeNo annual fee in the first year.The annual fee is waived in the first year, and reversed in later years when prior-12-month retail spend reaches AED 100,000. | Fee waiver | Ongoing | AED 787.5 | AED 15,000 | |
AED 200Get 20,000 Yes Rewards worth AED 200 as a welcome gift.Offer valid for new cardholders on meeting minimum spend of 1 AED within 90 days of the card issuance. | Reward offer | Ongoing | AED 208.95 | AED 5,000 | |
Citi Cashback Credit CardCitibank | AED 300 Direct Citi Welcome CreditFor direct Citi applicants after AED 6,000 spend in 60 days; affiliate applications do not qualify.New Citi credit card customers who apply directly on Citi's website and spend AED 6,000 within 60 days can receive AED 300. Applications through third-party or affiliate links are excluded. | Reward offer | Ongoing | AED 315 | AED 8,000 |
Citi Cashback Credit CardCitibank | Waived Annual Feefor the first year | Fee waiver | Ongoing | AED 315 | AED 8,000 |
Citi Premier Credit CardCitibank | AED 750 Welcome BonusDirect Citi applicants may get AED 750 after spending AED 10,000 within 60 days; affiliate applications do not qualify.New Citi customers applying directly on citibank.ae earn an AED 750 statement credit after AED 10,000 spend within 60 days of card issuance. Third-party or affiliate applications do not qualify. | Reward offer | Ongoing | AED 787.5 | AED 15,000 |
Citi Rewards Credit CardCitibank | AED 300 Statement CreditDirect Citi applicants may get AED 300 after spending AED 6,000 within 60 days; affiliate applications do not qualify.Available to new Citi credit card customers who apply directly through citibank.ae. Spend AED 6,000 within 60 days of card approval to receive a AED 300 statement credit. | Reward offer | Ongoing | AED 315 | AED 8,000 |
First year freeNo annual fee in the first year.The AED 210 annual membership fee is waived for the first year. | Fee waiver | Ongoing | AED 210 | AED 5,000 | |
First Year FreeNo annual fee in your first year.The AED 525 annual membership fee for the Deem World Mastercard is waived for your first year from card issuance. | Fee waiver | Ongoing | AED 525 | AED 25,000 | |
DIB Emirates Skywards Infinite Covered CardDubai Islamic Bank | Activation bonus25,000 Skywards MilesActivate the card and pay the applicable annual fee. | Reward offer | Ongoing | AED 1,575 | AED 20,000 |
DIB Emirates Skywards Infinite Covered CardDubai Islamic Bank | Balance-transfer bonus25,000 additional MilesTransfer at least AED 50,000 and maintain the transfer for six months. Financing charges apply. | Balance transfer | Ongoing | AED 1,575 | AED 20,000 |
DIB Emirates Skywards Infinite Covered CardDubai Islamic Bank | Spending bonus25,000 additional Skywards MilesSpend USD 20,000 equivalent within the first four card statements. | Reward offer | Ongoing | AED 1,575 | AED 20,000 |
DIB Emirates Skywards Platinum Covered CardDubai Islamic Bank | Activation bonus5,000 Skywards MilesNew cardholders receive this one-time bonus after card activation. DIB credits it within 48 hours of qualifying; cancelling and reapplying does not earn it again. The standard AED 525 annual fee applies. | Reward offer | Ongoing | AED 525 | AED 10,000 |
DIB Emirates Skywards Signature Covered CardDubai Islamic Bank | Activation bonus15,000 Skywards MilesActivate the card and pay the applicable annual fee. | Reward offer | Ongoing | AED 735 | AED 15,000 |
DIB Emirates Skywards Signature Covered CardDubai Islamic Bank | Balance-transfer bonus15,000 additional MilesTransfer at least AED 30,000 and maintain the transfer for six months. Financing charges apply. | Balance transfer | Ongoing | AED 735 | AED 15,000 |
DIB SHAMS Infinite Credit CardDubai Islamic Bank | 20% at five online merchantsUp to AED 150 per month for the first three calendar months.Earn 20% on eligible Amazon, Deliveroo, Dubai Now, noon and Talabat transactions. Cashback is capped at AED 25 per merchant and AED 150 total per month for the first three calendar months. | Reward offer | Ongoing | AED 0 | AED 20,000 |
DIB SHAMS Infinite Credit CardDubai Islamic Bank | 200,000 Wala'a RewardsSpend USD 15,000 in the first 90 days.New DIB covered-card customers issued SHAMS Infinite by 31 December 2026 can earn 200,000 Wala'a Rewards after USD 15,000 of eligible retail spend posts within 90 days. Worth AED 1,000 when redeemed for travel, hotels or bills. | Reward offer | Ongoing | AED 0 | AED 20,000 |
Emirates Islamic Amazon Platinum Credit CardEmirates Islamic | Welcome BonusUp to AED 500 for Prime members or up to AED 200 for non-Prime membersPrime members earn AED 250 on retail spend plus AED 250 on international spend within the first 60 days of card issuance; non-Prime members earn AED 100 on each. Valid for cards issued between 23 May 2026 and 31 October 2026. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Emirates Islamic Amazon World Credit CardEmirates Islamic | Welcome BonusUp to AED 500 for Prime members or AED 200 for non-Prime membersFor cards issued 23 May–31 October 2026: AED 250 after AED 10,000 retail spend and AED 250 after AED 2,500 non-AED retail spend, both within 60 days. Non-Prime: AED 100 at each threshold. Prime status is checked on day 60. | Reward offer | Ongoing | AED 0 | AED 15,000 |
Emirates Islamic Barça Cashback Credit CardEmirates Islamic | Exclusive FC Barcelona ExperiencesWin Camp Nou tickets and signed merchandiseFC Barcelona cardholders get access to money-can't-buy experiences, including the chance to win match tickets at Camp Nou and signed merchandise. Experiences run as periodic campaigns — check the EI+ app for current draws. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Emirates Islamic Emarati Credit CardEmirates Islamic | AED 1,000 Cashback Welcome BonusAED 1,000 cashback after AED 15,000 retail spendNew-to-bank applicants sourced 1 September–31 October 2026 and approved by 10 November earn AED 1,000 cashback after AED 15,000 retail spend within 60 days of card issuance. | Reward offer | Ongoing | AED 0 | AED 12,000 |
Emirates Islamic Etihad Guest Ameera Credit CardEmirates Islamic | 20,000 Etihad Guest MilesWelcome bonus of 20,000 Etihad Guest Miles.Earn 20,000 Etihad Guest Miles after paying the annual membership fee under the standard card offer. A separate campaign through 31 October 2026 replaces this award for qualifying new applicants; the two awards do not stack. | Reward offer | Ongoing | AED 733.95 | AED 12,000 |
Emirates Islamic Etihad Guest Platinum Credit CardEmirates Islamic | 5,000 Etihad Guest MilesWelcome bonus of 5,000 Etihad Guest Miles.Earn 5,000 Etihad Guest Miles after paying the annual membership fee under the standard card offer. A separate campaign through 31 October 2026 replaces this award for qualifying new applicants; the two awards do not stack. | Reward offer | Ongoing | AED 208.95 | AED 5,000 |
Emirates Islamic Etihad Guest Premium Credit CardEmirates Islamic | Up to 55,000 Etihad Guest MilesWelcome bonus of up to 55,000 Etihad Guest Miles.Standard Premium offers up to 55,000 Etihad Guest Miles as a welcome bonus. A campaign through 31 October replaces this award. | Reward offer | Ongoing | AED 2,625 | AED 20,000 |
Emirates Islamic Etihad Guest Saqer Credit CardEmirates Islamic | 30,000 Etihad Guest MilesWelcome bonus of 30,000 Etihad Guest Miles.Earn 30,000 Etihad Guest Miles after paying the annual membership fee under the standard card offer. A separate campaign through 31 October 2026 replaces this award for qualifying new applicants; the two awards do not stack. | Reward offer | Ongoing | AED 943.95 | AED 12,000 |
Emirates Islamic Flex Credit CardEmirates Islamic | 10,000 EI SmartMiles Welcome Bonus10,000 EI SmartMiles on card approvalEarn 10,000 EI SmartMiles as a welcome bonus. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Emirates Islamic Switch Cashback Credit CardEmirates Islamic | First Year FreeNo annual fee for the first yearAnnual fee of AED 313.95 waived for the first year. Subsequently waived with AED 30,000 annual spend. | Fee waiver | Ongoing | AED 313.95 | AED 5,000 |
Emirates NBD Skywards Visa Debit CardEmirates NBD | 25,000 Skywards Milesafter payment of the joining feeThe published product page awards 25,000 Skywards Miles after the joining fee is paid. | Reward offer | Ongoing | AED 2,520 | AED 0 |
ENBD Darna Infinite Privilege Credit CardEmirates NBD | Up to 25,000 Darna Points15,000 points on fee payment plus 10,000 points after early spend.Earn 15,000 Darna Points on payment of joining fees and another 10,000 Darna Points when you spend AED 30,000 in the first 3 months. | Reward offer | Ongoing | AED 2,625 | AED 50,000 |
ENBD Darna Visa Infinite Credit CardEmirates NBD | Up to 15,000 Darna Points7,500 points on fee payment plus 7,500 points after eligible early spend.Earn 7,500 Darna Points on payment of the joining fee and another 7,500 Darna Points when you spend AED 20,000 in the first 3 months. | Reward offer | Ongoing | AED 1,575 | AED 30,000 |
ENBD Darna Visa Signature Credit CardEmirates NBD | 3,000 Darna PointsEarn 3,000 points after AED 15,000 spend.Earn 3,000 Darna Points when you spend AED 15,000 in the first 3 months. | Reward offer | Ongoing | AED 315 | AED 12,000 |
ENBD Dnata Platinum Credit CardEmirates NBD | Up to 1,000 dnata Points500 on joining fee; 500 on eligible spendEarn 500 dnata Points on payment of the joining fee and another 500 after AED 10,000 retail spend within the first three billing statements. | Reward offer | Ongoing | AED 525 | AED 5,000 |
ENBD Dnata World Credit CardEmirates NBD | Up to 2,500 dnata Points1,000 points on fee + 1,500 on spend1,000 dnata Points on payment of the joining fee, plus 1,500 points after AED 25,000 retail spend within the first three billing statements. | Reward offer | Ongoing | AED 1,048.95 | AED 20,000 |
ENBD Etihad Guest Visa Elevate Credit CardEmirates NBD | Up to 200,000 Bonus Etihad Guest Miles40,000 on joining, up to 160,000 more on spendEarn 40,000 miles on payment of the joining fee, 60,000 miles on spending AED 90,000 within 6 months, and 100,000 miles on spending AED 120,000 within 6 months of card issuance. | Reward offer | Ongoing | AED 1,575 | AED 30,000 |
ENBD Lulu 247 Platinum Credit CardEmirates NBD | 500 LuLu Points welcome bonusEarn up to 500 LuLu Points, subject to spend and joining conditions.Earn 250 points after paying the joining fee and making a first transaction, then 250 more after spending AED 8,000 in the first two billing statements. | Reward offer | Ongoing | AED 262.5 | AED 12,000 |
ENBD Lulu 247 Titanium Credit CardEmirates NBD | 0% balance transfer0% balance transfer with no processing fee.At onboarding, transfer AED 1,000 or more for 6 or 12 months at 0% with no processing fee, up to 50% of the available credit limit. | Balance transfer | Ongoing | AED 0 | AED 5,000 |
ENBD Marriott Bonvoy World EliteEmirates NBD | Up to 200,000 Marriott Bonvoy PointsWelcome bonus of up to 200,000 Marriott Bonvoy Points.Earn 100,000 points on activation and joining-fee payment, plus 100,000 after USD 15,000 retail spend in the first three billing statements. This offer applies to cards issued between 15 September and 30 November 2026. | Reward offer | Ongoing | AED 1,575 | AED 25,000 |
ENBD noon One Visa Credit CardEmirates NBD | AED 500 welcome bonusAED 500 when you spend AED 5,000 in the first two months.Applicable only for new-to-bank or new-to-card customers who meet the AED 5,000 spend requirement within the first two months. | Reward offer | Ongoing | AED 0 | AED 5,000 |
ENBD SHARE Infinite Credit CardEmirates NBD | 10,000 SHARE PointsAED 1,000 welcome value after AED 40,000 spend.Earn 10,000 SHARE Points when you spend AED 40,000 in the first 3 months. | Reward offer | Ongoing | AED 1,575 | AED 30,000 |
ENBD SHARE Infinite Credit CardEmirates NBD | Joining Fee ReversalGet your AED 1,575 joining fee reversed after AED 40,000 spend.Emirates NBD reverses the ENBD SHARE Infinite Credit Card joining fee when you spend AED 40,000 within the first 3 months of card issuance. | Fee waiver | Ongoing | AED 1,575 | AED 30,000 |
ENBD SHARE Signature Credit CardEmirates NBD | 5,000 SHARE PointsAED 500 welcome value after AED 25,000 spend.Earn 5,000 SHARE Points when you spend AED 25,000 in the first 3 months. | Reward offer | Ongoing | AED 0 | AED 12,000 |
ENBD Skywards Infinite Credit CardEmirates NBD | Complimentary Rotana Rewards Exclusive Club MembershipAED 1,050 value in year-1 dining and stay perks.Complimentary Rotana Rewards Exclusive Club membership for year 1, worth AED 1,050 in value: an AED 250 dining certificate, up to 50% off the food bill, and up to 20% off beverages and room rates at participating Rotana properties. | Reward offer | Ongoing | AED 1,575 | AED 30,000 |
ENBD Skywards Infinite Credit CardEmirates NBD | Up to 100,000 Bonus Skywards Miles35,000 on joining, up to 65,000 more on spend milestones.Earn 35,000 Skywards Miles on joining-fee payment, 40,000 on min. USD 25,000 spend (first 3 statements), and 25,000 on min. USD 7,500 Emirates spend (first 12 statements). POS-activation required, year 1 only. | Reward offer | Ongoing | AED 1,575 | AED 30,000 |
ENBD Skywards Signature Credit CardEmirates NBD | Up to 40,000 Bonus Skywards MilesUp to 40,000 bonus Skywards Miles when you meet the joining and spend conditions.Earn 15,000 miles on joining-fee payment, 15,000 on USD 10,000 spend within the first three statements, and 10,000 on USD 3,750 Emirates spend within the first twelve statements. | Reward offer | Ongoing | AED 735 | AED 12,000 |
ENBD U By Emaar Infinite Credit CardEmirates NBD | Up to 25,000 UPointsEarn up to 25,000 UPoints as welcome bonus.15,000 UPoints after card activation and payment of the joining fee, plus 10,000 after USD 10,000 eligible retail spend in the first three billing statements. | Reward offer | Ongoing | AED 1,575 | AED 30,000 |
Joining fee waivedPay no joining fee under the current offer.The AED 2,625 joining fee is currently advertised as waived. The Key Facts Statement and fee guide list AED 2,625 as the standard joining fee. | Fee waiver | Ongoing | AED 1,575 | AED 30,000 | |
Up to 25,000 welcome UPointsDouble Emaar UPoints for 3 months plus a 10,000-UPoint spend bonus.Earn double UPoints at Emaar destinations for the first 3 months, plus 10,000 UPoints after USD 10,000 retail spend in the first 3 billing cycles — up to 25,000 UPoints total (AED 2,500 at 10 UPoints = AED 1). | Reward offer | Ongoing | AED 1,575 | AED 30,000 | |
ENBD Voyager World Credit CardEmirates NBD | 75,000 Voyager MilesEarn 75,000 Voyager Miles after AED 35,000 spend.Spend AED 35,000 within 3 months of issuance to earn the welcome offer. Offered in the first year only. | Reward offer | Ongoing | AED 0 | AED 12,000 |
ENBD Voyager World Elite Credit CardEmirates NBD | 150,000 Voyager MilesEarn 150,000 Voyager Miles after AED 70,000 spend.Spend AED 70,000 within 3 months of issuance to earn the welcome offer. Offered in the first year only. | Reward offer | Ongoing | AED 1,575 | AED 25,000 |
FAB ADNOC Rewards Credit CardFirst Abu Dhabi Bank (FAB) | AED 300 Welcome BonusEarn 300,000 ADNOC Rewards points (worth AED 300) after paying the annual fee on a card issued by 17 December 2026.For cards issued from 18 December 2025 to 17 December 2026, the AED 300 bonus is credited after the annual membership fee is paid and the second statement is issued. FAB and ADNOC staff are ineligible. No minimum spend is specified. | Reward offer | Ongoing | AED 315 | AED 5,000 |
FAB Blue Infinite Credit CardFirst Abu Dhabi Bank (FAB) | AED 5,000 Welcome Offer for UAE NationalsAED 5,000 in Al-Futtaim FAB Rewards after AED 12,000 eligible retail spend in each of the first three 30-day cyclesFor UAE nationals applying 24 September–23 November 2026. Spend AED 12,000 in eligible retail purchases in each of the first three 30-day cycles. Balance transfers, Quick Cash and payment plans are excluded; rewards arrive within 90 days. | Reward offer | Ongoing | AED 0 | AED 40,000 |
FAB Etihad Guest Infinite Credit CardFirst Abu Dhabi Bank (FAB) | 55,000 Etihad Guest Miles55,000 joining miles after card activation and first annual-fee payment.FAB credits 55,000 joining miles after activation and payment of the first annual fee; no purchase-spend threshold applies. | Reward offer | Ongoing | AED 2,625 | AED 30,000 |
FAB Etihad Guest Signature Credit CardFirst Abu Dhabi Bank (FAB) | 35,000 Etihad Guest MilesJoining miles after activation and annual-fee payment.FAB credits 35,000 joining miles after card activation and payment of the first annual fee; no retail-spend threshold applies. | Reward offer | Ongoing | AED 1,575 | AED 15,000 |
FAB Rewards Active Credit CardFirst Abu Dhabi Bank (FAB) | 3 Months Free TOD StreamingSpend AED 3,000 in the first 30 days and get a TOD voucher.Voucher is sent within 30 days after meeting the spend target. Redeem on the dedicated TOD page to activate access. | Reward offer | Ongoing | AED 315 | AED 5,000 |
FAB SHARE Infinite Credit CardFirst Abu Dhabi Bank (FAB) | 10,000 bonus SHARE pointsReceive 10,000 SHARE points (worth AED 1,000) on card activation.For new cardholders on activation. See bankfab.com for eligibility terms. | Reward offer | Ongoing | AED 1,050 | AED 25,000 |
FAB SHARE Signature Credit CardFirst Abu Dhabi Bank (FAB) | 5,000 bonus SHARE pointsReceive 5,000 SHARE points (worth AED 500) on card activation.For new cardholders on activation. See bankfab.com for eligibility terms. | Reward offer | Ongoing | AED 525 | AED 10,000 |
FAB Travel Credit CardFirst Abu Dhabi Bank (FAB) | Free Flight Vouchereconomy return to one of 22 destinations, issued within 45 days of activation.No spend needed. The code arrives by SMS within 45 days of activation and expires after 30 days. Pick three destinations and three dates from Abu Dhabi or Dubai; Mastercard's travel partner offers one itinerary to accept within 48 hours. | Flight benefit | Ongoing | AED 1,575 | AED 20,000 |
No Annual Fee for Your First YearAED 1,050 annual fee waived for your first 12 months with HSBC Cash+.HSBC waives the AED 1,050 annual fee for your first year with the Cash+ card. From year two, it's waived again whenever your card spend reaches AED 24,000 or more that year. | Fee waiver | Ongoing | AED 1,050 | AED 30,000 | |
Invest Bank Platinum Credit CardInvest Bank | First Year FreeAnnual fee waived for the first yearAED 525 annual fee applies from the second year onwards | Fee waiver | Ongoing | AED 525 | AED 5,000 |
Marriott Bonvoy ADIB Visa Infinite CardAbu Dhabi Islamic Bank (ADIB) | 150,000 Marriott Bonvoy points100,000 on card issuance, plus 50,000 after USD 15,000 spend in 90 days.100,000 points are credited on card issuance. A further 50,000 follow once qualifying spend reaches USD 15,000 within 90 days of issuance. Supplementary cardholders and Signature upgraders do not qualify. | Reward offer | Ongoing | AED 2,625 | AED 5,000 |
Marriott Bonvoy ADIB Visa Signature CardAbu Dhabi Islamic Bank (ADIB) | 50,000 Marriott Bonvoy pointsAwarded as a sign-up bonus on the Signature card.New Marriott Bonvoy ADIB Visa Signature cardholders receive 50,000 Marriott Bonvoy points. The bonus has no minimum spend. | Reward offer | Ongoing | AED 523.95 | AED 5,000 |
Mashreq Aura Credit CardMashreq Bank | Welcome BonusAED 500 as Aura Points for new Mashreq credit card customers; a smaller bonus for recent Mashreq cardholders.Spend AED 5,000 in the first two months after issuance. The bonus is credited to your Aura account by the end of the third month. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Mashreq Aura World Credit CardMashreq Bank | Welcome BonusAED 1,000 as Aura Points for new Mashreq credit card customers; a smaller bonus for recent Mashreq cardholders.Spend AED 10,000 in the first two months after issuance. The bonus is credited to your Aura account by the end of the third month. | Reward offer | Ongoing | AED 525 | AED 10,000 |
Mashreq Aura World Elite Credit CardMashreq Bank | Welcome BonusAED 2,500 as Aura Points for new Mashreq credit card customers; a smaller bonus for recent Mashreq cardholders.Spend AED 15,000 in the first two months after issuance. The bonus is credited to your Aura account by the end of the third month. | Reward offer | Ongoing | AED 1,575 | AED 25,000 |
Mashreq Cashback Credit CardMashreq Bank | Additional Cashback20% cashback on Netflix, Talabat, Careem and more for the first four months.Maximum cashback of AED 50 per merchant per month. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Mashreq Cashback Credit CardMashreq Bank | Welcome BonusAED 500 for applicants without a current Mashreq credit card; AED 100 for recent cardholders.Spend AED 5,000 in the first two months after issuance. The offer is for a newly issued primary card, and the bonus is credited by the end of the third month. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Mashreq Noon Credit CardMashreq Bank | Up to AED 500 Welcome BonusAED 500 for applicants without a current Mashreq credit card; AED 100 for recent cardholders.Spend AED 5,000 in the first two months after issuance. Applicants without a current Mashreq credit card receive AED 500; those who held one within six months receive AED 100. | Reward offer | Ongoing | AED 0 | AED 5,000 |
Mashreq Platinum Plus Credit CardMashreq Bank | Up to AED 750 Welcome BonusAED 750 for new Mashreq card customers after AED 5,000 spend.New Mashreq credit-card customers receive AED 750, and existing card customers receive AED 200, after spending AED 5,000 in the first two months after issuance. | Reward offer | Ongoing | AED 313.95 | AED 5,000 |
Mashreq Solitaire Credit CardMashreq Bank | AED 2,500 Welcome BonusAED 2,500 cashback for new customers.AED 2,500 for applicants without an existing Mashreq credit card, or AED 500 for recent cardholders, after AED 9,000 of eligible spend in the first two months of card issuance. | Reward offer | Ongoing | AED 1,575 | AED 25,000 |
Rakbank Elevate Credit CardRakbank | First 3 months of Privilege freeTry Elevate's highest tier before monthly fees begin.Get the first three months of Elevate Privilege free. Activate the card and review the selected tier in the Rakbank app; eligibility and bank terms apply. | Fee waiver | Ongoing | AED 617.4 | AED 35,000 |
50,000 RAKrewards Welcome Bonuson AED 10,000 minimum spend within the first 3 statement cycles.Earn 50,000 RAKrewards after spending AED 10,000 within the first 3 statement cycles from card issuance. | Reward offer | Ongoing | AED 0 | AED 15,000 | |
SIB Cashback Credit CardSharjah Islamic Bank | No Annual Feefor the first year | Fee waiver | Ongoing | AED 199 | AED 8,000 |
Tamayaz World Credit CardLiv Digital Bank by Emirates NBD | Welcome BonusAED 1,000 cashback equivalent bonus.Spend AED 40,000 in the first 60 days from card activation to receive the welcome bonus. | Reward offer | Ongoing | AED 735 | AED 15,000 |
The American Express Platinum Credit CardAmerican Express | 30,000 Membership Rewards welcome pointsIssuer digital channels only: spend USD 5,500 within 90 days after approval.30,000 points for eligible new cardmembers approved via the Amex offer page or app after USD 5,500 spend in 90 days. Fee payment and a transaction within 30 days are required. The offer runs 1 January through 31 December 2026. | Reward offer | Ongoing | AED 735 | AED 21,250 |
UAB Titanium Credit CardUnited Arab Bank (UAB) | The Entertainer VIP KeyBuy-one-get-one-free offers on dining, attractions and more.Make one mobile-wallet payment and one taxi/food-delivery app transaction within 30 days of card receipt to receive a VIP Key via SMS within 45 days, unlocking BOGO offers on dining and attractions. | Reward offer | Ongoing | AED 0 | AED 5,000 |
UAB World Credit CardUnited Arab Bank (UAB) | The Entertainer VIP KeyBuy-one-get-one-free offers on dining, attractions and more.Make one mobile-wallet payment and one taxi/food-delivery app transaction within 30 days of card receipt to receive a VIP Key via SMS within 45 days, unlocking BOGO offers on dining and attractions. | Reward offer | Ongoing | AED 1,050 | AED 5,000 |
Dataset date: 2026-09-30. Expired dated offers are excluded.
Rows are read directly from each active card's structured welcome-offer section; the index does not scrape marketing prose or infer an offer from a card name. Cashback, points, miles, fee waivers, flight benefits and balance-transfer offers stay in their native units. No synthetic AED value is assigned unless the underlying card data already states one. A dated offer keeps its published valid-until date and is removed after that date in the UAE calendar. Annual fee and minimum salary are included as decision context, not as part of an offer-value score. Cite as "Kredit UAE Credit Card Welcome Offer Index, 2026".
This index shows the raw offer inventory. The canonical welcome-bonus page explains how to judge the spend hurdle, first-year fee and ongoing card value, then shortlists the strongest options. Compare the best welcome-bonus credit cards in the UAE.