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About Best credit cards My Cards Offers Kredit Perks Banks Loyalty Programs Calculators Accounts Pick me a card ChatGPT App New to the UAE Secure Collect Contact us

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

Privacy Policy Terms of Service

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Best Credit Cards No Annual Fee Online Shopping Welcome Bonus Cashback Hotels Travel Emirates FAB ENBD Mashreq AED 5,000 AED 10,000 AED 15,000 Noon Amazon Carrefour LuLu Hypermarket Grocery Dining

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FAB GEMS World Credit Card Design

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FIRST ABU DHABI BANK (FAB)

FAB GEMS World Credit Card

Salary: AED 8,000+
Annual Fee: AED 399
10% cashback on bus, canteen, uniform purchases
20% discount Emaar attractions
2% cashback on spending

ExploreLearn more about FAB GEMS World Credit Card credit card benefits and features ApplyApply for FAB GEMS World Credit Card credit card

FAB Low-Rate Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Low-Rate Credit Card

Salary: AED 10,000+

CBD Smiles Visa Signature Credit Card Design

CBD

CBD Smiles Visa Signature Credit Card

Salary: AED 5,000

RAKislamic Watani Credit Card Design

LIMITED OFFER

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RAKBANK

RAKislamic Watani Credit Card

Citi Rewards Credit Card Design

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CITIBANK

Citi Rewards Credit Card

Citi Simplicity Credit Card Design

CITIBANK

Citi Simplicity Credit Card

Salary: AED 5000+

Citi Ready Credit Card Design

CITIBANK

Citi Ready Credit Card

Salary: AED 8,000

ADCB Etihad Guest Infinite Credit Card Design

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ABU DHABI COMMERCIAL BANK (ADCB)

ADCB Etihad Guest Infinite Credit Card

ADCB LuLu Platinum Credit Card Design

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ABU DHABI COMMERCIAL BANK (ADCB)

ADCB LuLu Platinum Credit Card

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ABU DHABI COMMERCIAL BANK (ADCB)

ADCB LuLu Titanium Credit Card

ADCB TouchPoints Infinite Credit Card Design

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ABU DHABI COMMERCIAL BANK (ADCB)

ADCB TouchPoints Infinite Credit Card

ADCB TouchPoints Platinum Credit Card Design

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ABU DHABI COMMERCIAL BANK (ADCB)

ADCB TouchPoints Platinum Credit Card

Annual Fee: AED 315

Interest Rate: 1.5%

0% Interest on Transfers

3% Minimum Payment Required

ExploreLearn more about FAB Low-Rate Credit Card credit card benefits and features ApplyApply for FAB Low-Rate Credit Card credit card

Free Annual Fee First Year

90-Day Free Smiles Unlimited Subscription

Earn Smiles Points on AED Spending

20% Off Emaar Attractions

ExploreLearn more about CBD Smiles Visa Signature Credit Card credit card benefits and features ApplyApply for CBD Smiles Visa Signature Credit Card credit card

Salary: AED 15,000+

No Annual Fee First Year

Exclusive for UAE nationals

50,000 RAKrewards Bonus

100% Cashback on Salik + DARB

ExploreLearn more about RAKislamic Watani Credit Card credit card benefits and features ApplyApply for RAKislamic Watani Credit Card credit card

Salary: AED 8,000+

No Annual Fee for the first year

10,000 bonus points annually post payment of annual fee

1.5 Points on grocery and non-AED spends

1 Point on local spends

ExploreLearn more about Citi Rewards Credit Card credit card benefits and features ApplyApply for Citi Rewards Credit Card credit card

No Annual Fee

20% discount on Talabat

ExploreLearn more about Citi Simplicity Credit Card credit card benefits and features ApplyApply for Citi Simplicity Credit Card credit card

No Annual Fee for the First Year

Instant cash advance upon credit limit approval

Up to 6X of your monthly income or up to AED 175,000, whichever is lower

ExploreLearn more about Citi Ready Credit Card credit card benefits and features ApplyApply for Citi Ready Credit Card credit card

Salary: AED 40,000+

Annual Fee: AED 2,625

Welcome Bonus: 60,000 Etihad Guest Miles

Up to 3 Etihad Guest Miles per 1 USD

Up to 4 class upgrade vouchers

ExploreLearn more about ADCB Etihad Guest Infinite Credit Card credit card benefits and features ApplyApply for ADCB Etihad Guest Infinite Credit Card credit card

Salary: AED 8,000+

No Annual Fee

8 LuLu Points per AED 1 spent at LuLu stores

Up to 1.25 LuLu Points per AED 1 spent on all other spends

4 lounge visits/year

ExploreLearn more about ADCB LuLu Platinum Credit Card credit card benefits and features ApplyApply for ADCB LuLu Platinum Credit Card credit card

Salary: AED 5,000+

No Annual Fee

3.5 LuLu Points per AED 1 spent at LuLu stores

Up to 1 LuLu Points per AED 1 spent on all other spends

ExploreLearn more about ADCB LuLu Titanium Credit Card credit card benefits and features ApplyApply for ADCB LuLu Titanium Credit Card credit card

Salary: AED 40,000+

Annual Fee: AED 1,050

15,000 Touchpoints for spends of AED 15,000

Hotels.com Voucher for 2 nights stay

20% off on talabat orders

ExploreLearn more about ADCB TouchPoints Infinite Credit Card credit card benefits and features ApplyApply for ADCB TouchPoints Infinite Credit Card credit card

Salary: AED 8,000+

No Annual Fee for the First Year

10,000 Touchpoints for spends of AED 10,000

Vox Cinema Buy one Get one offer

20% off on talabat orders

ExploreLearn more about ADCB TouchPoints Platinum Credit Card credit card benefits and features ApplyApply for ADCB TouchPoints Platinum Credit Card credit card