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Compare fees, rewards and eligibility for up to four cards. Share your selection using the page link.
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Up to 4 cards
Year one vs ongoing value Adjust spend · AED 7,800 /month Compare spend rewards minus card fees on eligible everyday UAE purchases.
Uses each card’s general rate, not boosted or reduced-rate categories, and assumes you pay the balance in full.
Welcome offers, perks, paid add-ons, rebates and foreign-currency charges aren’t included. Issuer exclusions and credit limits still apply.
Targeted or promotional fee waivers are not modelled unless stated on the estimate.
Adjust the comparison example Monthly spend (AED) Update estimates
Model groceries, dining and other categories in the spend-return calculator →
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AED 1,575
incl. VAT
Annual fee
FX +1.99%
Eligibility
Minimum salary AED 25,000/mo Salary transfer required UAE residents Salaried Top category
6× per USD 1 partner, 3× per USD 1 rest
Earn rates for Emirates NBD Marriott Bonvoy World Elite Mastercard
Partner brands 6× per USD 1
Dining 3× per USD 1
Groceries 0.75× per USD 1
Fuel 0.3× per USD 1
International spend 3× per USD 1
Utilities 0.3× per USD 1
Insurance 0.75× per USD 1
Everything else 3× per USD 1 Estimated spend value
First year Not estimated
Each year after AED 337
What’s included for Emirates NBD Marriott Bonvoy World Elite Mastercard
Annual spend rewards AED 1,912
First-year fee modelled Confirm with issuer
Standard renewal fee AED 1,575 The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
Points use our published AED comparison baseline , not a cash payout.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
200,000 Marriott Bonvoy points (100k on activation + 100k on USD 15,000 spend)
on AED 55,000 cumulative spend within 90 days
Loyalty programme
Marriott Bonvoy
AED 1,575
incl. VAT
Annual fee
Joining fee AED 2,625 (year 1, incl. VAT)
FX +1.99%
Eligibility
Minimum salary AED 30,000/mo Salary transfer required UAE residents Salaried Top category
10× per AED 10 dining, 2× per AED 10 rest
Earn rates for Emirates NBD Etihad Guest Visa Elevate
Partner brands 10× per AED 10
Dining 10× per AED 10
Travel 10× per AED 10
International spend 3× per AED 10
Everything else 2× per AED 10 Estimated spend value
First year Not estimated
Each year after -AED 1,201
What’s included for Emirates NBD Etihad Guest Visa Elevate
Annual spend rewards AED 374
First-year fee modelled Confirm with issuer
Standard renewal fee AED 1,575 The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
Points use our published AED comparison baseline , not a cash payout.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
200,000 Etihad Guest Miles
Loyalty programme
Etihad Guest
AED 1,575
incl. VAT
Annual fee
Joining fee AED 3,148.95 (year 1, incl. VAT)
FX +1.99%
Year-one waived, AED 100,000 annual spend ongoing (Reversible from year two on cumulative spend.)
Eligibility
Minimum salary AED 30,000/mo UAE residents Salaried Self-employed Business owner Top category
2× per USD 1 dining, 1× per USD 1 rest
Earn rates for Emirates NBD Skywards Infinite
Partner brands 2× per USD 1
Dining 2× per USD 1
Travel 2× per USD 1
International spend 1.5× per USD 1
Everything else 1× per USD 1 Estimated spend value
First year -AED 2,639 If listed annual-fee waiver applies
Each year after -AED 1,065 Before any renewal waiver
What’s included for Emirates NBD Skywards Infinite
Annual spend rewards AED 510
First-year fee modelled AED 3,148.95
Standard renewal fee AED 1,575 The published cap limits this example.
Waiver terms: Year-one waived, AED 100,000 annual spend ongoing (Reversible from year two on cumulative spend.)
Points use our published AED comparison baseline , not a cash payout.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
Up to 100,000 Skywards Miles + complimentary Rotana Rewards
Loyalty programme
Emirates Skywards
AED 1,575
incl. VAT
Annual fee
FX +1.99%
Year-one waived (Product page: "Enjoy the first year for free (Annual fees: AED 1,575)". Issued to existing Emirates NBD Priority Banking customers only. Checked 15 October 2026.)
Eligibility
Invitation only Salary transfer required UAE residents Salaried Top category
1% groceries, 1% rest
Earn rates for Emirates NBD Priority Banking Visa Infinite
Groceries 1%
Fuel 1%
Utilities 1%
Insurance 1%
Everything else 1% Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Priority Banking Visa Infinite
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 1,575 The published cap limits this example.
Waiver terms: Year-one waived (Product page: "Enjoy the first year for free (Annual fees: AED 1,575)". Issued to existing Emirates NBD Priority Banking customers only. Checked 15 October 2026.)
Check issuer terms ↗
Loyalty programme
ENBD Plus Points
First Abu Dhabi Bank Mastercard Free
Annual fee
FX +2.49%
Eligibility
Invitation only UAE residents Salaried Top category
5× per AED 1 all spend
Earn rates for FAB World Elite Mastercard 5× FAB Rewards per AED 1 spent
Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for FAB World Elite Mastercard
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 0 The published cap limits this example.
Check issuer terms ↗
Loyalty programme
FAB Rewards
Free
Annual fee
FX +1.99%
Top category
0.75% all spend
Earn rates for Liv Cashback Credit Card 0.75% cashback
Estimated spend value
First year Not estimated
Each year after Not estimated Your monthly spend tier and credit-limit cap change the cashback. This example cannot calculate both.
What’s included for Liv Cashback Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 0 The published cap limits this example.
Check issuer terms ↗
Loyalty programme
Liv Rewards (cashback / Skywards Miles)
AED 700
incl. VAT
Annual fee
FX +1.99%
Top category
1% all spend
Earn rates for Liv Cashback+ Credit Card 1% cashback
Estimated spend value
First year Not estimated
Each year after Not estimated Your monthly spend tier and credit-limit cap change the cashback. This example cannot calculate both.
What’s included for Liv Cashback+ Credit Card
Annual spend rewards Not estimated
First-year fee modelled Confirm with issuer
Standard renewal fee AED 700 The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
Check issuer terms ↗
Loyalty programme
Liv Rewards (cashback / Skywards Miles)
Abu Dhabi Commercial Bank Visa AED 383.25
incl. VAT
Annual fee
FX +2.99%
Year-one waived (Per ADCB SoF Ver.46 (Feb 2026): AED 383.25/year, first year free.)
Eligibility
Minimum salary AED 5,000/mo Top category
6% dining, 1% rest
Earn rates for ADCB 365 Cashback Credit Card
Dining 6%
Groceries 3%
Fuel 5%
Entertainment 5%
International spend 1%
Everything else 1% Estimated spend value
First year AED 936 If listed annual-fee waiver applies
Each year after AED 553
What’s included for ADCB 365 Cashback Credit Card
Annual spend rewards AED 936
First-year fee modelled AED 0
Standard renewal fee AED 383.25
Monthly qualifying spend AED 5,000
Monthly reward cap used AED 1,000 The published cap limits this example.
Waiver terms: Year-one waived (Per ADCB SoF Ver.46 (Feb 2026): AED 383.25/year, first year free.)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
AED 365 welcome bonus — AED 5,000 spend within 45 days of issuance.
Abu Dhabi Commercial Bank Visa Free
Annual fee
FX +2.99%
Eligibility
Minimum salary AED 5,000/mo Salary transfer required UAE residents Salaried Top category
1% all spend
Earn rates for ADCB Essential Cashback Credit Card 1% cashback
Estimated spend value
First year Not estimated
Each year after Not estimated
What’s included for ADCB Essential Cashback Credit Card
Annual spend rewards AED 936
First-year fee modelled Confirm with issuer
Standard renewal fee Confirm with issuer The published cap limits this example.
Confirm the first-year fee with the issuer.
Confirm the standard renewal fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
Up to AED 250 welcome cashback on new-customer activation
Abu Dhabi Commercial Bank Visa Free
Annual fee
FX +2.99%
Eligibility
Minimum salary AED 5,000/mo Top category
2× per AED 1 fuel, 1× per AED 1 rest
Earn rates for ADCB LuLu Titanium Gold Credit Card
Fuel 2× per AED 1
Everything else 1× per AED 1 Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for ADCB LuLu Titanium Gold Credit Card
Annual spend rewards Not estimated
First-year fee modelled Confirm with issuer
Standard renewal fee Confirm with issuer The published cap limits this example.
Confirm the first-year fee with the issuer.
Confirm the standard renewal fee with the issuer.
Check issuer terms ↗
Loyalty programme
LuLu Points
Abu Dhabi Commercial Bank Visa AED 262.50
incl. VAT
Annual fee
FX +2.99%
Year-one waived (Per ADCB SoF Ver.46 (Feb 2026): AED 262.50/year Aspire (Free for UAE Nationals at Excellency), first year free.)
Eligibility
Minimum salary AED 5,000/mo Top category
1× per AED 1 all spend
Earn rates for ADCB Shukran Credit Card 1× Shukran per AED 1 spent
Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for ADCB Shukran Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 262.50 The published cap limits this example.
Waiver terms: Year-one waived (Per ADCB SoF Ver.46 (Feb 2026): AED 262.50/year Aspire (Free for UAE Nationals at Excellency), first year free.)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
Welcome bonus in Shukrans: AED 1,200 for UAE Nationals new to ADCB cards, AED 1,000 for other UAE residents new to ADCB cards, AED 200 for existing ADCB cardholders. Requires AED 8,000 spend in the first 60 days; credited within 120 days.
Loyalty programme
Shukran
Abu Dhabi Commercial Bank Mastercard Free
Annual fee
FX +2.99%
Eligibility
Minimum salary AED 5,000/mo Top category
35% partner, 1.25% rest
Earn rates for ADCB Talabat Credit Card
Partner brands 35%
Fuel 0.35%
Insurance 0.35%
Supermarkets 0.35%
Car dealers 0.35%
Education 0.35%
Government services 0.35%
Rent and real estate 0.35%
Telecom 0.35%
Charity 0.35%
Transport 0.35%
Europe / UK 0.35%
Everything else 1.25% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for ADCB Talabat Credit Card
Annual spend rewards Not estimated
First-year fee modelled Confirm with issuer
Standard renewal fee Confirm with issuer The published cap limits this example.
Confirm the first-year fee with the issuer.
Confirm the standard renewal fee with the issuer.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
AED 750 talabat credit welcome (new-to-bank applicants)
on AED 5,000 cumulative spend within 45 days
Loyalty programme
talabat credit
Abu Dhabi Commercial Bank Visa AED 630
incl. VAT
Annual fee
FX +2.99%
Year-one waived (Per ADCB SoF Ver.46 (Feb 2026): AED 630/year Aspire (AED 315 Privilege; Free Excellency), first year free.)
Eligibility
Minimum salary AED 5,000/mo Top category
2× per AED 1 fuel, 1× per AED 1 rest
Earn rates for ADCB TouchPoints Platinum Credit Card
Travel 1× per AED 1
Fuel 2× per AED 1
Everything else 1× per AED 1 Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for ADCB TouchPoints Platinum Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 630 The published cap limits this example.
Waiver terms: Year-one waived (Per ADCB SoF Ver.46 (Feb 2026): AED 630/year Aspire (AED 315 Privilege; Free Excellency), first year free.)
Check issuer terms ↗
Loyalty programme
ADCB TouchPoints
Abu Dhabi Commercial Bank Visa Free
Annual fee
FX +2.99%
Eligibility
Minimum salary AED 5,000/mo Top category
0.4× per AED 1 groceries, 0.5× per AED 1 rest
Earn rates for ADCB TouchPoints Titanium Gold Credit Card
Groceries 0.4× per AED 1
Fuel 0.2× per AED 1
Everything else 0.5× per AED 1 Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for ADCB TouchPoints Titanium Gold Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 0 The published cap limits this example.
Check issuer terms ↗
Loyalty programme
ADCB TouchPoints
Abu Dhabi Islamic Bank Visa AED 103.95
incl. VAT
Annual fee
FX +2.30%
Eligibility
Minimum salary AED 5,000/mo Top category
4% dining, 0% rest
Earn rates for ADIB Cashback Visa Covered Card
Dining 4%
Groceries 4%
Fuel 4%
Everything else 0% Estimated spend value
First year -AED 104
Each year after -AED 104
What’s included for ADIB Cashback Visa Covered Card
Annual spend rewards AED 0
First-year fee modelled AED 103.95
Standard renewal fee AED 103.95
Monthly reward cap used AED 1,000 The published cap limits this example.
Check issuer terms ↗
Loyalty programme
ADIB Cashback
Commercial Bank of Dubai Visa Free
Annual fee
FX +3.50%
Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed Top category
0% all spend
Earn rates for CBD One Credit Card 0% cashback
Estimated spend value
First year Not estimated
Each year after Not estimated No comparable everyday earn rate is published.
What’s included for CBD One Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 0
Monthly qualifying spend AED 5,000 The published cap limits this example.
Check issuer terms ↗
Loyalty programme
CBD One Cashback
AED 210
incl. VAT
Annual fee
FX +3.70%
Year-one waived (First year free under a limited-time offer. AED 210 (AED 200 + 5% VAT) annual fee applies thereafter, effective 10 May 2025 (the older Schedule of Charges lists AED 157.50).)
Eligibility
Minimum salary AED 5,000/mo Top category
3% groceries, 0% rest
Earn rates for DIB Consumer Cashback Reward Card
Groceries 3%
Fuel 3%
Everything else 0% Estimated spend value
First year AED 0 If listed annual-fee waiver applies
Each year after -AED 210
What’s included for DIB Consumer Cashback Reward Card
Annual spend rewards AED 0
First-year fee modelled AED 0
Standard renewal fee AED 210
Monthly qualifying spend AED 3,000
Monthly reward cap used AED 1,000 The published cap limits this example.
Waiver terms: Year-one waived (First year free under a limited-time offer. AED 210 (AED 200 + 5% VAT) annual fee applies thereafter, effective 10 May 2025 (the older Schedule of Charges lists AED 157.50).)
Check issuer terms ↗
Loyalty programme
DIB Cashback
AED 313.95
incl. VAT
Annual fee
FX +2.54%
Year-one waived, AED 30,000 annual spend ongoing (No annual fee in year one. AED 313.95 (incl. VAT) from year two, waived if eligible retail spend exceeds AED 30,000 in the prior 12 months (excludes balance transfers, cash advances, fees and quasi-cash).)
Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed Top category
8% fuel, 1% rest
Earn rates for Emirates Islamic Switch Cashback Credit Card
Dining 4%
Groceries 4%
Travel 4%
Fuel 8%
Everything else 1% Estimated spend value
First year AED 936 If listed annual-fee waiver applies
Each year after AED 622 Before any renewal waiver
What’s included for Emirates Islamic Switch Cashback Credit Card
Annual spend rewards AED 936
First-year fee modelled AED 0
Standard renewal fee AED 313.95
Monthly qualifying spend AED 2,500 The published cap limits this example.
Waiver terms: Year-one waived, AED 30,000 annual spend ongoing (No annual fee in year one. AED 313.95 (incl. VAT) from year two, waived if eligible retail spend exceeds AED 30,000 in the prior 12 months (excludes balance transfers, cash advances, fees and quasi-cash).)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
AED 500 cashback after AED 15,000 of retail spend within 60 days of card approval (welcome offer valid until 31 December 2026).
Loyalty programme
Emirates Islamic Cashback
Free
Annual fee
FX +1.99%
Eligibility
Minimum salary AED 5,000/mo Top category
6.25% partner, 0.75% rest
Earn rates for Emirates NBD Darna Select Visa
Partner brands 6.25%
Everything else 0.75% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Darna Select Visa
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 0 The published cap limits this example.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
250 AED voucher · AED 250 YOUGotaGift gift card on online application, plus Darna Silver tier status.
AED 525
incl. VAT
Annual fee
FX +1.99%
Eligibility
Minimum salary AED 5,000/mo Top category
10× per AED 1 travel, 1× per AED 1 rest
Earn rates for Emirates NBD dnata Platinum Credit Card
Shopping 5× per AED 1
Travel 10× per AED 1
Everything else 1× per AED 1 Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD dnata Platinum Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 525
Standard renewal fee AED 525 The published cap limits this example.
Check issuer terms ↗
Loyalty programme
dnata Points
AED 103.95
incl. VAT
Annual fee
FX +1.99%
AED 104 annual fee; no published waiver.
Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed Top category
1.25% entertainment, 1% rest
Earn rates for Emirates NBD Go4it Gold
Entertainment 1.25%
Everything else 1% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Go4it Gold
Annual spend rewards Not estimated
First-year fee modelled AED 103.95
Standard renewal fee AED 103.95 The published cap limits this example.
Waiver terms: AED 104 annual fee; no published waiver.
Check issuer terms ↗
Loyalty programme
ENBD Plus Points
Free
Annual fee
FX +1.99%
Year-one waived, no ongoing spend requirement (Free for life — no annual fee.)
Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed Top category
3.5% groceries, 0.35% rest
Earn rates for Emirates NBD LuLu 247 Titanium
Groceries 3.5%
Fuel 2%
Utilities 1%
Everything else 0.35% Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD LuLu 247 Titanium
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 0 The published cap limits this example.
Waiver terms: Year-one waived, no ongoing spend requirement (Free for life — no annual fee.)
Check issuer terms ↗
Loyalty programme
LuLu Points
Free
Annual fee
FX +1.99%
Eligibility
Minimum salary AED 5,000/mo Top category
20% dining, 1% rest
Earn rates for Emirates NBD Noon One Visa
Partner brands 10%
Dining 20%
Everything else 1% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Noon One Visa
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 0 The published cap limits this example.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
AED 500 noon credits on AED 5,000 spend + 1-year free noon One membership
on AED 5,000 cumulative spend within 60 days
Loyalty programme
noon credits
Free
Annual fee
FX +1.99%
Eligibility
Minimum salary AED 5,000/mo Top category
5% partner, 1% rest
Earn rates for Emirates NBD U by Emaar Family
Partner brands 5%
Groceries 0.25%
Fuel 0.1%
Utilities 0.1%
Everything else 1% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD U by Emaar Family
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 0 The published cap limits this example.
Check issuer terms ↗
Loyalty programme
U by Emaar
AED 52.50
incl. VAT
Annual fee
FX +1.99%
Eligibility
Minimum salary AED 5,000/mo Top category
1× per AED 200 all spend
Earn rates for Emirates NBD WebShopper Credit Card 1× Emirates NBD Plus Points per AED 200 spent
Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD WebShopper Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 52.50
Standard renewal fee AED 52.50 The published cap limits this example.
Check issuer terms ↗
Loyalty programme
ENBD Plus Points
First Abu Dhabi Bank Mastercard AED 315
incl. VAT
Annual fee
FX +2.49%
First-year fee waiver was paired with the May 2026 Amazon Gift Card welcome cycle (closed 31 May 2026); the next FAB Cashback cycle has not been published. Verify current year-one fee status at the FAB product page before applying.
Eligibility
Minimum salary AED 5,000/mo Top category
5% dining, 1% rest
Earn rates for FAB Cashback Card
Dining 5%
Shopping 5%
International spend 3%
Everything else 1% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for FAB Cashback Card
Annual spend rewards Not estimated
First-year fee modelled AED 315
Standard renewal fee AED 315
Monthly qualifying spend AED 3,000 The published cap limits this example.
Waiver terms: First-year fee waiver was paired with the May 2026 Amazon Gift Card welcome cycle (closed 31 May 2026); the next FAB Cashback cycle has not been published. Verify current year-one fee status at the FAB product page before applying.
Check issuer terms ↗
Loyalty programme
FAB Rewards
AED 313.95
incl. VAT
Annual fee
FX +2.00%
Year-one waived, AED 12,000 annual spend ongoing (HSBC's Live+ page (read 10 October 2026) states no annual fee of AED 299 for the first year, waived from the second year onwards subject to a minimum spend of AED 12,000. AED 313.95 is that AED 299 fee including 5% VAT. The earlier note that the year-one waiver applied only to applications approved by 30 June 2026 is superseded: the waiver is published again.)
Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed Top category
6% dining, 0.5% rest
Earn rates for HSBC Live+ Credit Card
Dining 6%
Groceries 2%
Fuel 5%
Entertainment 2%
Everything else 0.5% Estimated spend value
First year AED 468 If listed annual-fee waiver applies
Each year after AED 154 Before any renewal waiver
What’s included for HSBC Live+ Credit Card
Annual spend rewards AED 468
First-year fee modelled AED 0
Standard renewal fee AED 313.95
Monthly qualifying spend AED 3,000 The published cap limits this example.
Waiver terms: Year-one waived, AED 12,000 annual spend ongoing (HSBC's Live+ page (read 10 October 2026) states no annual fee of AED 299 for the first year, waived from the second year onwards subject to a minimum spend of AED 12,000. AED 313.95 is that AED 299 fee including 5% VAT. The earlier note that the year-one waiver applied only to applications approved by 30 June 2026 is superseded: the waiver is published again.)
Check issuer terms ↗
Loyalty programme
HSBC Cashback
Free
Annual fee
FX +2.89%
Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed Top category
5% dining, 1% rest
Earn rates for Mashreq Cashback Credit Card
Dining 5%
Fuel 0.15%
International spend 1%
Everything else 1% Estimated spend value
First year AED 936
Each year after AED 936
What’s included for Mashreq Cashback Credit Card
Annual spend rewards AED 936
First-year fee modelled AED 0
Standard renewal fee AED 0 The published cap limits this example.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
AED 500 welcome bonus for new credit-card customers (AED 100 for existing customers) on AED 5,000 of spend within the first 2 months.
Loyalty programme
Mashreq Cashback
Standard Chartered Mastercard AED 525
incl. VAT
Annual fee
FX +2.99%
Year-one waived (First year free. From year two AED 525, waived on meeting Standard Chartered's minimum annual spend (per the Service & Price Guide).)
Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed Top category
10% online, 0% rest
Earn rates for Standard Chartered Platinum X Credit Card
Online 10%
International spend 10%
Everything else 0% Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated The everyday earn rate needs confirmation.
What’s included for Standard Chartered Platinum X Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 525
Monthly qualifying spend AED 2,500 The published cap limits this example.
Waiver terms: Year-one waived (First year free. From year two AED 525, waived on meeting Standard Chartered's minimum annual spend (per the Service & Price Guide).)
Check issuer terms ↗
Loyalty programme
Standard Chartered Cashback
Free
Annual fee
FX +2.00%
Eligibility
Minimum salary AED 7,000/mo Top category
2% all spend
Earn rates for Wio Credit (Mastercard World) 2% cashback
Estimated spend value
First year Not estimated
Each year after Not estimated Cashback depends on your Wio plan, its fee and a cap shared with My Money. The Standard plan earns none.
What’s included for Wio Credit (Mastercard World)
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 0 The published cap limits this example.
Check issuer terms ↗
Abu Dhabi Commercial Bank Visa Free
Annual fee
FX +2.99%
Eligibility
Minimum salary AED 8,000/mo Top category
8× per AED 1 shopping, 1× per AED 1 rest
Earn rates for ADCB LuLu Credit Card
Shopping 8× per AED 1
Fuel 2× per AED 1
Everything else 1× per AED 1 Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for ADCB LuLu Credit Card
Annual spend rewards Not estimated
First-year fee modelled Confirm with issuer
Standard renewal fee Confirm with issuer The published cap limits this example.
Confirm the first-year fee with the issuer.
Confirm the standard renewal fee with the issuer.
Check issuer terms ↗
Loyalty programme
LuLu Points
AED 315
incl. VAT
Annual fee
FX +2.99%
Year-one waived, AED 9,000 annual spend ongoing (No annual fee in year one. From year two AED 300 (+ 5% VAT), waived if annual spend reaches AED 9,000.)
Eligibility
Minimum salary AED 8,000/mo UAE residents Salaried Self-employed Top category
3% international, 1% rest
Earn rates for Citi Cash Back Credit Card
Groceries 2%
International spend 3%
Everything else 1% Estimated spend value
First year AED 936 If listed annual-fee waiver applies
Each year after AED 621 Before any renewal waiver
What’s included for Citi Cash Back Credit Card
Annual spend rewards AED 936
First-year fee modelled AED 0
Standard renewal fee AED 315 The published cap limits this example.
Waiver terms: Year-one waived, AED 9,000 annual spend ongoing (No annual fee in year one. From year two AED 300 (+ 5% VAT), waived if annual spend reaches AED 9,000.)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
Citi’s product page advertises an AED 300 joining-bonus statement credit for eligible direct applicants on AED 6,000 of qualifying spend within 60 days. Check the terms shown for your application route.
Loyalty programme
Citi Cashback
Abu Dhabi Commercial Bank Visa AED 2,100
incl. VAT
Annual fee
FX +2.99%
Eligibility
Minimum salary AED 10,000/mo Salary transfer required UAE residents Salaried Top category
0.35× per AED 1 fuel, 3× per AED 1 rest
Earn rates for ADCB Betaqti Credit Card
Fuel 0.35× per AED 1
Insurance 0.7× per AED 1
Supermarkets 0.7× per AED 1
Quick-service restaurants 0.7× per AED 1
Car dealers 0.7× per AED 1
Education 0.35× per AED 1
Government services 0.35× per AED 1
Rent and real estate 0.35× per AED 1
Telecom 0.35× per AED 1
Charity 0.35× per AED 1
Transport 0.35× per AED 1
Europe / UK 0.4× per AED 1
Everything else 3× per AED 1 Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for ADCB Betaqti Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 2,100
Standard renewal fee AED 2,100 The published cap limits this example.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
300,000 ADCB TouchPoints on activation
Loyalty programme
ADCB TouchPoints
AED 315
incl. VAT
Annual fee
FX +1.99%
Year-one waived (Promotional waiver — fee waived for life as a time-limited offer (May 2026). Standard fee per SoC is AED 315.)
Eligibility
Minimum salary AED 12,000/mo Top category
7.5% partner, 1% rest
Earn rates for Emirates NBD Darna Visa Signature
Partner brands 7.5%
Everything else 1% Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Darna Visa Signature
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 315 The published cap limits this example.
Waiver terms: Year-one waived (Promotional waiver — fee waived for life as a time-limited offer (May 2026). Standard fee per SoC is AED 315.)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
3,000 Darna Points on AED 15,000 spend + Darna Gold tier
on AED 15,000 cumulative spend within 90 days
AED 420
incl. VAT
Annual fee
FX +1.99%
Eligibility
Minimum salary AED 12,000/mo Salary transfer required UAE residents Salaried Top category
5% travel, 0.5% rest
Earn rates for Emirates NBD Diners Club Credit Card
Partner brands 1.5%
Dining 2.5%
Travel 5%
Everything else 0.5% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Diners Club Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 420
Standard renewal fee AED 420 The published cap limits this example.
Check issuer terms ↗
Loyalty programme
ENBD Plus Points
Emirates NBD Diners Club + Mastercard Free
Annual fee
FX +1.99%
Year-one waived (No annual fee under the current promotion; standard renewal AED 840 per the Schedule of Charges. Abu Dhabi residents only.)
Eligibility
Minimum salary AED 12,000/mo Top category
5% groceries, 0.5% rest
Earn rates for Emirates NBD Duo Credit Cards
Partner brands 5%
Groceries 5%
Fuel 5%
Utilities 5%
Everything else 0.5% Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Duo Credit Cards
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee Confirm with issuer The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (No annual fee under the current promotion; standard renewal AED 840 per the Schedule of Charges. Abu Dhabi residents only.)
Check issuer terms ↗
Loyalty programme
ENBD Plus Points
AED 735
incl. VAT
Annual fee
Joining fee AED 1,575 (year 1, incl. VAT)
FX +1.99%
Eligibility
Minimum salary AED 12,000/mo Top category
7× per AED 10 dining, 4× per AED 10 rest
Earn rates for Emirates NBD Etihad Guest Visa Inspire
Partner brands 7× per AED 10
Dining 7× per AED 10
Travel 7× per AED 10
Everything else 4× per AED 10 Estimated spend value
First year Not estimated
Each year after AED 14
What’s included for Emirates NBD Etihad Guest Visa Inspire
Annual spend rewards AED 749
First-year fee modelled Confirm with issuer
Standard renewal fee AED 735 The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
Points use our published AED comparison baseline , not a cash payout.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
Up to 60,000 Etihad Guest Miles + Silver fast-track
Loyalty programme
Etihad Guest
Free
Annual fee
FX +1.99%
Year-one waived (No annual fee under the current promotion; standard renewal AED 208.95 per the Schedule of Charges.)
Eligibility
Minimum salary AED 12,000/mo UAE residents Salaried Self-employed Top category
2.5% partner, 0.5% rest
Earn rates for Emirates NBD Go4it Platinum
Partner brands 2.5%
Travel 2%
Everything else 0.5% Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Go4it Platinum
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee Confirm with issuer The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (No annual fee under the current promotion; standard renewal AED 208.95 per the Schedule of Charges.)
Check issuer terms ↗
Loyalty programme
ENBD Plus Points
AED 262.50
incl. VAT
Annual fee
Joining fee AED 525 (year 1, incl. VAT)
FX +1.99%
No fee waiver is published. The Emirates NBD product page lists a AED 525 joining fee and a AED 262.50 annual fee, and the Key Facts Statement (08/2026) the same AED 525 joining and AED 262.50 renewal fee (incl. VAT). Checked 10 October 2026.
Eligibility
Minimum salary AED 12,000/mo UAE residents Salaried Self-employed Business owner Top category
7% partner, 0.7% rest
Earn rates for Emirates NBD LuLu 247 Platinum
Partner brands 7%
Fuel 4%
Utilities 2%
Everything else 0.7% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD LuLu 247 Platinum
Annual spend rewards Not estimated
First-year fee modelled Confirm with issuer
Standard renewal fee AED 262.50 The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
Waiver terms: No fee waiver is published. The Emirates NBD product page lists a AED 525 joining fee and a AED 262.50 annual fee, and the Key Facts Statement (08/2026) the same AED 525 joining and AED 262.50 renewal fee (incl. VAT). Checked 10 October 2026.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
500 LuLu Points + 0% balance transfer with no processing fee
Loyalty programme
LuLu Points
Free
Annual fee
FX +1.99%
Year-one waived (Currently advertised 'Free for life'. KFS/SoC standard renewal: AED 315.)
Eligibility
Minimum salary AED 12,000/mo Top category
3× per USD 1 partner, 1.5× per USD 1 rest
Earn rates for Emirates NBD Marriott Bonvoy World Mastercard
Partner brands 3× per USD 1
Dining 1.5× per USD 1
Groceries 0.375× per USD 1
Fuel 0.15× per USD 1
International spend 1.5× per USD 1
Utilities 0.15× per USD 1
Everything else 1.5× per USD 1 Estimated spend value
First year AED 956 If listed annual-fee waiver applies
Each year after Not estimated
What’s included for Emirates NBD Marriott Bonvoy World Mastercard
Annual spend rewards AED 956
First-year fee modelled AED 0
Standard renewal fee Confirm with issuer The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (Currently advertised 'Free for life'. KFS/SoC standard renewal: AED 315.)
Points use our published AED comparison baseline , not a cash payout.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
2 Free Night Awards (35k points each) on USD 6,000 spend + Silver Elite status
on AED 22,000 cumulative spend within 90 days
Loyalty programme
Marriott Bonvoy
Free
Annual fee
FX +1.99%
Year-one waived (No annual fee under the current promotion. Standard fee not explicitly listed in the Schedule of Charges for this product — confirm with the bank if the waiver ends.)
Eligibility
Minimum salary AED 12,000/mo Top category
0.4% groceries, 1.5% rest
Earn rates for Emirates NBD Mastercard Platinum
Groceries 0.4%
Fuel 0.2%
Utilities 0.2%
Everything else 1.5% Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Mastercard Platinum
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee Confirm with issuer The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (No annual fee under the current promotion. Standard fee not explicitly listed in the Schedule of Charges for this product — confirm with the bank if the waiver ends.)
Check issuer terms ↗
Loyalty programme
ENBD Plus Points
Free
Annual fee
FX +1.99%
Year-one waived, no ongoing spend requirement (Free for life — no annual or joining fee.)
Eligibility
Minimum salary AED 12,000/mo UAE residents Salaried Self-employed Business owner Top category
6% partner, 1% rest
Earn rates for Emirates NBD SHARE Visa Signature
Partner brands 6%
Groceries 0.25%
Fuel 0.1%
Utilities 0.1%
Insurance 0.25%
Everything else 1% Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD SHARE Visa Signature
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 0 The published cap limits this example.
Waiver terms: Year-one waived, no ongoing spend requirement (Free for life — no annual or joining fee.)
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
5,000 SHARE Points (AED 500 value) on AED 25,000 spend; free for life
on AED 25,000 cumulative spend within 90 days
AED 735
incl. VAT
Annual fee
Joining fee AED 1,573.95 (year 1, incl. VAT)
FX +1.99%
Year-one waived (First year free for eligible applicants; no published spend waiver from year two.)
Eligibility
Minimum salary AED 12,000/mo UAE residents Salaried Self-employed Business owner Top category
1.5× per USD 1 dining, 0.75× per USD 1 rest
Earn rates for Emirates NBD Skywards Signature
Partner brands 1.5× per USD 1
Dining 1.5× per USD 1
Travel 1.5× per USD 1
International spend 1× per USD 1
Everything else 0.75× per USD 1 Estimated spend value
First year -AED 1,192 If listed annual-fee waiver applies
Each year after -AED 353
What’s included for Emirates NBD Skywards Signature
Annual spend rewards AED 382
First-year fee modelled AED 1,573.95
Standard renewal fee AED 735 The published cap limits this example.
Waiver terms: Year-one waived (First year free for eligible applicants; no published spend waiver from year two.)
Points use our published AED comparison baseline , not a cash payout.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
Up to 40,000 Skywards Miles + Visa lounge access
Loyalty programme
Emirates Skywards
Free
Annual fee
FX +1.99%
Year-one waived (No annual fee under the current promotion; standard renewal AED 735 per the Schedule of Charges.)
Eligibility
Minimum salary AED 12,000/mo Top category
0.4% groceries, 1.5% rest
Earn rates for Emirates NBD Visa Flexi
Groceries 0.4%
Fuel 0.2%
Utilities 0.2%
Insurance 0.4%
Everything else 1.5% Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Visa Flexi
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee Confirm with issuer The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (No annual fee under the current promotion; standard renewal AED 735 per the Schedule of Charges.)
Check issuer terms ↗
Loyalty programme
ENBD Plus Points
Free
Annual fee
FX +1.99%
Year-one waived (No annual fee under the current promotion; standard renewal AED 735 per the Schedule of Charges.)
Eligibility
Minimum salary AED 12,000/mo Top category
0.4% groceries, 1.5% rest
Earn rates for Emirates NBD Visa Platinum
Groceries 0.4%
Fuel 0.2%
Utilities 0.2%
Insurance 0.4%
Everything else 1.5% Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Visa Platinum
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee Confirm with issuer The published cap limits this example.
A zero first-year or promotional fee does not establish the standard renewal fee.
Waiver terms: Year-one waived (No annual fee under the current promotion; standard renewal AED 735 per the Schedule of Charges.)
Check issuer terms ↗
Loyalty programme
ENBD Plus Points
Free
Annual fee
FX +1.99%
Eligibility
Minimum salary AED 12,000/mo Top category
3× per AED 1 travel, 0.5× per AED 1 rest
Earn rates for Emirates NBD Voyager World Credit Card
Travel 3× per AED 1
Everything else 0.5× per AED 1 Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Voyager World Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 0 The published cap limits this example.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
75,000 Voyager Miles when you spend AED 35,000 within the first 3 billing statements.
Loyalty programme
Voyager Miles
Abu Dhabi Commercial Bank Visa AED 1,575
incl. VAT
Annual fee
FX +0.00%
Per ADCB SoF Ver.46 (Feb 2026): AED 1,575/year Aspire (AED 787.50 Privilege/Excellency), no first-year waiver.
Eligibility
Minimum salary AED 20,000/mo Top category
1.5% all spend
Earn rates for ADCB Traveller Credit Card
Airfare 10%
Hotels 10%
Cinema 50%
Everything else 1.5% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for ADCB Traveller Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 1,575
Standard renewal fee AED 1,575 The published cap limits this example.
Waiver terms: Per ADCB SoF Ver.46 (Feb 2026): AED 1,575/year Aspire (AED 787.50 Privilege/Excellency), no first-year waiver.
Check issuer terms ↗
Loyalty programme
ADCB TouchPoints
AED 1,048.95
incl. VAT
Annual fee
FX +0.00%
Eligibility
Minimum salary AED 20,000/mo Salary transfer required UAE residents Salaried Top category
15% partner, 1.5% rest
Earn rates for Emirates NBD dnata World Credit Card
Partner brands 15%
Travel 10%
Everything else 1.5% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD dnata World Credit Card
Annual spend rewards Not estimated
First-year fee modelled Confirm with issuer
Standard renewal fee AED 1,048.95 The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
2,500 dnata Points (1,000 on joining + 1,500 on AED 25,000 spend)
on AED 25,000 cumulative spend within 90 days
Loyalty programme
dnata Points
AED 997.50
incl. VAT
Annual fee
FX +2.57%
Year-one waived, AED 100,000 annual spend ongoing (Free for the first year. AED 997.50 (incl. VAT) from year two, waived if eligible retail spend exceeds AED 100,000 in the previous year (RAKMoney transfers, balance transfers, credit-card cheques and cash transactions are excluded).)
Eligibility
Minimum salary AED 20,000/mo UAE residents Salaried Self-employed Top category
10% dining, 1% rest
Earn rates for RAKBANK World Credit Card
Dining 10%
Groceries 10%
Travel 10%
Everything else 1% Estimated spend value
First year Not estimated If listed annual-fee waiver applies
Each year after Not estimated Before any renewal waiver This spend is below the listed monthly qualifying minimum. Check what, if anything, still earns.
What’s included for RAKBANK World Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 0
Standard renewal fee AED 997.50
Monthly qualifying spend AED 10,000 The published cap limits this example.
Waiver terms: Year-one waived, AED 100,000 annual spend ongoing (Free for the first year. AED 997.50 (incl. VAT) from year two, waived if eligible retail spend exceeds AED 100,000 in the previous year (RAKMoney transfers, balance transfers, credit-card cheques and cash transactions are excluded).)
Check issuer terms ↗
Loyalty programme
RAKBANK Cashback
Abu Dhabi Commercial Bank Visa AED 1,050
incl. VAT
Annual fee
FX +2.99%
Per ADCB SoF Ver.46 (Feb 2026): AED 1,050/year Aspire (AED 525 Excellency), no first-year waiver.
Eligibility
Minimum salary AED 25,000/mo Top category
0.2× per AED 1 fuel, 1.5× per AED 1 rest
Earn rates for ADCB TouchPoints Infinite Credit Card
Fuel 0.2× per AED 1
Insurance 0.4× per AED 1
Supermarkets 0.4× per AED 1
Quick-service restaurants 0.4× per AED 1
Car dealers 0.4× per AED 1
Education 0.2× per AED 1
Government services 0.2× per AED 1
Rent and real estate 0.2× per AED 1
Telecom 0.2× per AED 1
Charity 0.2× per AED 1
Transport 0.2× per AED 1
Europe / UK 0.4× per AED 1
Everything else 1.5× per AED 1 Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for ADCB TouchPoints Infinite Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 1,050
Standard renewal fee AED 1,050 The published cap limits this example.
Waiver terms: Per ADCB SoF Ver.46 (Feb 2026): AED 1,050/year Aspire (AED 525 Excellency), no first-year waiver.
Check issuer terms ↗
Loyalty programme
ADCB TouchPoints
AED 1,575
incl. VAT
Annual fee
FX +1.99%
Eligibility
Minimum salary AED 30,000/mo Salary transfer required UAE residents Salaried Top category
10% partner, 1.5% rest
Earn rates for Emirates NBD Darna Visa Infinite
Partner brands 10%
Everything else 1.5% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Darna Visa Infinite
Annual spend rewards Not estimated
First-year fee modelled AED 1,575
Standard renewal fee AED 1,575 The published cap limits this example.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
15,000 Darna Points (7,500 on joining + 7,500 on AED 20,000 spend) + Platinum tier
on AED 20,000 cumulative spend within 90 days
AED 1,575
incl. VAT
Annual fee
Joining fee AED 1,500 (year 1, incl. VAT)
FX +1.99%
AED 1,500 joining and AED 1,500 annual; joining fee refundable; annual fee not waived.
Eligibility
Minimum salary AED 30,000/mo UAE residents Salaried Self-employed Business owner Top category
8% partner, 1.5% rest
Earn rates for Emirates NBD SHARE Visa Infinite
Partner brands 8%
Groceries 0.375%
Fuel 0.15%
Utilities 0.15%
Insurance 0.375%
Everything else 1.5% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD SHARE Visa Infinite
Annual spend rewards Not estimated
First-year fee modelled Confirm with issuer
Standard renewal fee AED 1,575 The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
Waiver terms: AED 1,500 joining and AED 1,500 annual; joining fee refundable; annual fee not waived.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
10,000 SHARE Points (AED 1,000 value) on AED 40,000 spend; joining fee refunded
on AED 40,000 cumulative spend within 90 days
AED 1,575
incl. VAT
Annual fee
Joining fee AED 2,625 (year 1, incl. VAT)
FX +1.99%
Joining fee AED 2,625 + AED 1,575 annual; no published waiver.
Eligibility
Minimum salary AED 30,000/mo UAE residents Salaried Self-employed Business owner Top category
7.5% partner, 1.5% rest
Earn rates for Emirates NBD U by Emaar Infinite
Partner brands 7.5%
Everything else 1.5% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD U by Emaar Infinite
Annual spend rewards Not estimated
First-year fee modelled Confirm with issuer
Standard renewal fee AED 1,575 The published cap limits this example.
Confirm whether both joining and annual fees are due in year one.
Waiver terms: Joining fee AED 2,625 + AED 1,575 annual; no published waiver.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
Up to 25,000 UPoints + automatic U by Emaar Platinum status
Loyalty programme
U by Emaar
AED 1,575
incl. VAT
Annual fee
FX +1.99%
Eligibility
Minimum salary AED 30,000/mo Salary transfer required UAE residents Salaried Top category
7.5% partner, 1.5% rest
Earn rates for Emirates NBD U by Emaar Infinite (for Emiratis)
Partner brands 7.5%
Everything else 1.5% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD U by Emaar Infinite (for Emiratis)
Annual spend rewards Not estimated
First-year fee modelled AED 1,575
Standard renewal fee AED 1,575 The published cap limits this example.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
25,000 UPoints
Loyalty programme
U by Emaar
AED 1,575
incl. VAT
Annual fee
FX +1.99%
Eligibility
Minimum salary AED 30,000/mo Salary transfer required UAE residents Salaried Top category
0.4% groceries, 2% rest
Earn rates for Emirates NBD Visa Infinite
Groceries 0.4%
Fuel 0.2%
Utilities 0.2%
Insurance 0.4%
Everything else 2% Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for Emirates NBD Visa Infinite
Annual spend rewards Not estimated
First-year fee modelled AED 1,575
Standard renewal fee AED 1,575 The published cap limits this example.
Check issuer terms ↗
Loyalty programme
ENBD Plus Points
First Abu Dhabi Bank Visa AED 2,625
incl. VAT
Annual fee
FX +2.49%
Eligibility
Minimum salary AED 30,000/mo Top category
7× per AED 10 travel, 3.5× per AED 10 rest
Earn rates for FAB Etihad Guest Infinite
Partner brands 7× per AED 10
Travel 7× per AED 10
International spend 6× per AED 10
Everything else 3.5× per AED 10 Estimated spend value
First year -AED 1,970
Each year after -AED 1,970
What’s included for FAB Etihad Guest Infinite
Annual spend rewards AED 655
First-year fee modelled AED 2,625
Standard renewal fee AED 2,625 The published cap limits this example.
Points use our published AED comparison baseline , not a cash payout.
The listed welcome offer is separate. Check its application route, spend conditions and timing in the card review.
Check issuer terms ↗
Welcome offer
Welcome bonus
55,000 Etihad Guest Miles on card activation
Loyalty programme
Etihad Guest
First Abu Dhabi Bank Mastercard AED 1,260
incl. VAT
Annual fee
FX +2.49%
Eligibility
Minimum salary AED 40,000/mo Salary transfer required UAE residents Salaried Top category
5× per AED 1 all spend
Earn rates for FAB Elite Credit Card 5× FAB Rewards per AED 1 spent
Estimated spend value
First year Not estimated
Each year after Not estimated No confirmed AED basis for these rewards.
What’s included for FAB Elite Credit Card
Annual spend rewards Not estimated
First-year fee modelled AED 1,260
Standard renewal fee AED 1,260 The published cap limits this example.
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Loyalty programme
FAB Rewards
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