Cards / Fees
UAE credit-card fees, across the set
Listed annual and foreign-currency fees for the 73 cards we cover. Figures are computed from this site's source records and change when accepted record updates are rebuilt. Pending terms are not assumed confirmed.
Cards: 73 Banks: 14 Latest source record: November 2026
- No annual fee listed
- 21 of 71 known fee records (30%) · 2 pending
- Year-one annual fee waived
- 1222 pending
- Median annual fee
- AED 383
- Median fee, paid cards
- AED 1,049
- Highest fee
- AED 3,150 ADIB Etihad Guest Visa Infinite Covered Card
- Cheapest paid card
- AED 53 Emirates NBD WebShopper Credit Card
- No listed issuer FX fee
- 0 of 4 exact-fee records
- Median exact issuer FX fee
- 2.9400000000000004% (largest listed 3.7%)
By bank
| Bank | Cards | No annual fee listed | Median annual fee | Median FX fee |
|---|---|---|---|---|
| Emirates NBD | 30 | 13 | AED 289 | Pending |
| Abu Dhabi Islamic Bank | 15 | 0 | AED 1,049 | Pending |
| Abu Dhabi Commercial Bank | 11 | 5 | AED 263 | Pending |
| HSBC | 4 | 0 | AED 1,050 | Pending |
| First Abu Dhabi Bank | 3 | 0 | AED 1,260 | Pending |
| Liv | 2 | 1 | AED 368 | Pending |
| Commercial Bank of Dubai | 1 | 1 | AED 0 | Pending |
| Citibank | 1 | 0 | AED 315 | 2.99% |
| Dubai Islamic Bank | 1 | 0 | AED 210 | 3.7% |
| Emirates Islamic | 1 | 0 | AED 314 | Pending |
| Mashreq | 1 | 1 | AED 0 | 2.89% |
| RAKBANK | 1 | 0 | AED 998 | Pending |
| Standard Chartered | 1 | 0 | AED 525 | Pending |
| Wio Bank | 1 | 0 | Pending | 2% |
By minimum salary
| Minimum salary tier | Cards | No annual fee listed | Median annual fee |
|---|---|---|---|
| Under AED 5,000 | 0 | 0 | — |
| AED 5,000 – 7,999 | 8 | 3 | AED 104 |
| AED 8,000 – 14,999 | 1 | 0 | AED 315 |
| AED 15,000 – 24,999 | 2 | 0 | AED 866 |
| AED 25,000 and above | 2 | 0 | AED 1,943 |
Cards whose minimum salary we have not verified, or which are by invitation, are left out of the tiers. Per-salary listings are at cards by salary.
Every card, cheapest first
| Card | Bank | Annual fee | First-year annual fee | FX fee | Min salary |
|---|---|---|---|---|---|
| ADCB Essential Cashback Credit Card | Abu Dhabi Commercial Bank | Free | No annual fee listed | 2.99% issuer FX charges including VAT; scheme charges may also apply | — |
| ADCB LuLu Credit Card | Abu Dhabi Commercial Bank | Free | No annual fee listed | 2.99% issuer FX charges including VAT; scheme charges may also apply | — |
| ADCB LuLu Titanium Gold Credit Card | Abu Dhabi Commercial Bank | Free | No annual fee listed | 2.99% issuer FX charges including VAT; scheme charges may also apply | — |
| ADCB Talabat Credit Card | Abu Dhabi Commercial Bank | Free | No annual fee listed | 2.99% issuer FX charges including VAT; scheme charges may also apply | — |
| ADCB TouchPoints Titanium Gold Credit Card | Abu Dhabi Commercial Bank | Free | No annual fee listed | 2.99% issuer FX charges including VAT; scheme charges may also apply | — |
| CBD One Credit Card | Commercial Bank of Dubai | Free | No annual fee listed | Pending | AED 5,000 |
| Emirates NBD Darna Select Visa | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Duo Credit Cards | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Go4it Gold | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Go4it Platinum | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD LuLu 247 Titanium | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Marriott Bonvoy World Mastercard | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Mastercard Platinum | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Noon One Visa | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD SHARE Visa Signature | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD U by Emaar Family | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Visa Flexi | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Visa Platinum | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Voyager World Credit Card | Emirates NBD | Free | No annual fee listed | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Liv Cashback Credit Card | Liv | Free | No annual fee listed | Pending | AED 5,000 |
| Mashreq Cashback Credit Card | Mashreq | Free | No annual fee listed | 2.89% | AED 5,000 |
| Emirates NBD WebShopper Credit Card | Emirates NBD | AED 53 | Standard fee | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| ADIB Cashback Visa Covered Card | Abu Dhabi Islamic Bank | AED 104 | Standard fee | Pending | AED 5,000 |
| ADIB Exceed Visa Covered Card | Abu Dhabi Islamic Bank | AED 104 | Pending | Pending | — |
| ADIB Aldar Visa Platinum Card | Abu Dhabi Islamic Bank | AED 209 | Pending | Pending | — |
| ADIB SHARE Visa Platinum Card | Abu Dhabi Islamic Bank | AED 209 | Pending | Pending | — |
| DIB Consumer Cashback Reward Card | Dubai Islamic Bank | AED 210 | Waived | 3.7% | AED 5,000 |
| ADCB Shukran Credit Card | Abu Dhabi Commercial Bank | AED 263 | Waived | 2.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD LuLu 247 Platinum | Emirates NBD | AED 263 | Standard fee | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| ADIB Booking.com Visa Signature Card | Abu Dhabi Islamic Bank | AED 314 | Pending | Pending | — |
| Emirates Islamic Switch Cashback Credit Card | Emirates Islamic | AED 314 | Waived | Pending | — |
| HSBC Live+ Credit Card | HSBC | AED 314 | Waived | 2.10% issuer processing fee including VAT; scheme charges may also apply | — |
| Citi Cash Back Credit Card | Citibank | AED 315 | Waived | 2.99% | AED 8,000 |
| Emirates NBD Darna Visa Signature | Emirates NBD | AED 315 | Waived | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| FAB Cashback Card | First Abu Dhabi Bank | AED 315 | Pending | Up to 2.74% issuer FX charges including VAT; scheme charges may also apply | AED 5,000 |
| ADCB 365 Cashback Credit Card | Abu Dhabi Commercial Bank | AED 383 | Waived | 2.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Diners Club Credit Card | Emirates NBD | AED 420 | Standard fee | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| ADIB Marriott Bonvoy ADIB Visa Signature Card | Abu Dhabi Islamic Bank | AED 524 | Pending | Pending | — |
| Emirates NBD dnata Platinum Credit Card | Emirates NBD | AED 525 | Standard fee | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Standard Chartered Platinum X Credit Card | Standard Chartered | AED 525 | Pending | Up to 2.99% issuer FX charges including VAT; scheme charges may also apply | AED 5,000 |
| ADCB TouchPoints Platinum Credit Card | Abu Dhabi Commercial Bank | AED 630 | Waived | 2.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Etihad Guest Visa Inspire | Emirates NBD | AED 735 | Standard fee | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Skywards Signature | Emirates NBD | AED 735 | Pending | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Liv Cashback+ Credit Card | Liv | AED 735 | Standard fee | Pending | AED 15,000 |
| RAKBANK World Credit Card | RAKBANK | AED 998 | Waived | Pending | AED 20,000 |
| ADIB Aldar Visa Infinite Card | Abu Dhabi Islamic Bank | AED 1,049 | Pending | Pending | — |
| ADIB SHARE Visa Infinite Card | Abu Dhabi Islamic Bank | AED 1,049 | Pending | Pending | — |
| Emirates NBD dnata World Credit Card | Emirates NBD | AED 1,049 | Standard fee | 0.00% issuer processing fee (VAT not applicable); scheme charges may also apply | — |
| ADCB TouchPoints Infinite Credit Card | Abu Dhabi Commercial Bank | AED 1,050 | Standard fee | 2.99% issuer FX charges including VAT; scheme charges may also apply | — |
| ADIB Etihad Guest Visa Gold Card | Abu Dhabi Islamic Bank | AED 1,050 | Pending | Pending | — |
| HSBC Cash+ Credit Card | HSBC | AED 1,050 | Waived | 2.10% issuer processing fee including VAT; scheme charges may also apply | — |
| HSBC Emirates Skywards Signature Credit Card | HSBC | AED 1,050 | Pending | 2.10% issuer processing fee including VAT; scheme charges may also apply | — |
| ADIB Smiles Visa Signature Card | Abu Dhabi Islamic Bank | AED 1,259 | Pending | Pending | — |
| FAB Elite Credit Card | First Abu Dhabi Bank | AED 1,260 | Standard fee | Up to 2.74% issuer FX charges including VAT; scheme charges may also apply | AED 40,000 |
| ADCB Traveller Credit Card | Abu Dhabi Commercial Bank | AED 1,575 | Standard fee | 0.00% issuer FX charges including VAT; scheme charges may also apply | — |
| ADIB Emirates Skywards Visa Signature Card | Abu Dhabi Islamic Bank | AED 1,575 | Pending | Pending | — |
| Emirates NBD Darna Visa Infinite | Emirates NBD | AED 1,575 | Standard fee | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Etihad Guest Visa Elevate | Emirates NBD | AED 1,575 | Standard fee | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Marriott Bonvoy World Elite Mastercard | Emirates NBD | AED 1,575 | Standard fee | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Priority Banking Visa Infinite | Emirates NBD | AED 1,575 | Waived | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD SHARE Visa Infinite | Emirates NBD | AED 1,575 | Standard fee | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Skywards Infinite | Emirates NBD | AED 1,575 | Pending | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD U by Emaar Infinite | Emirates NBD | AED 1,575 | Standard fee | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD U by Emaar Infinite (for Emiratis) | Emirates NBD | AED 1,575 | Waived | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| Emirates NBD Visa Infinite | Emirates NBD | AED 1,575 | Standard fee | 1.99% issuer FX charges including VAT; scheme charges may also apply | — |
| ADCB Betaqti Credit Card | Abu Dhabi Commercial Bank | AED 2,100 | Standard fee | 2.99% issuer FX charges including VAT; scheme charges may also apply | — |
| ADIB Etihad Guest Visa Platinum Card | Abu Dhabi Islamic Bank | AED 2,100 | Pending | Pending | — |
| ADIB Marriott Bonvoy ADIB Visa Infinite Card | Abu Dhabi Islamic Bank | AED 2,625 | Pending | Pending | — |
| FAB Etihad Guest Infinite | First Abu Dhabi Bank | AED 2,625 | Pending | Up to 2.74% issuer FX charges including VAT; scheme charges may also apply | AED 30,000 |
| HSBC Emirates Skywards Infinite Credit Card | HSBC | AED 2,625 | Pending | 2.10% issuer processing fee including VAT; scheme charges may also apply | — |
| ADIB Etihad Guest Visa Infinite Covered Card | Abu Dhabi Islamic Bank | AED 3,150 | Pending | Pending | — |
| ADIB Smiles Visa Classic Card | Abu Dhabi Islamic Bank | Pending | Pending | Pending | — |
| Wio Credit (Mastercard World) | Wio Bank | Pending | Pending | 2% | AED 7,000 |
No annual fee listed
A known zero standard annual-fee record, not a claim that every card cost is zero. Pending annual fees are excluded from annual-fee counts and medians, not treated as zero. A positive annual fee with a known year-one waiver is counted separately under year-one annual fee waived. Joining charges and other costs are not included in either annual-fee label.
Annual fee
The standard published amount before any spend-based waiver. The first-year column and waiver count cover the annual fee only, not joining charges, interest or total first-year cost. Pending annual-fee or waiver terms are not counted as waived. A zero annual fee does not confirm that joining or other charges are zero. See each card's source notes and conditions.
FX fee
The card's listed foreign-currency fee, not a total conversion cost. Scheme charges and the exchange rate may add cost. Issuer-only entries retain that qualifier in the table and are excluded from comparable numeric summaries, alongside unknown and upper-bound fees. None is treated as zero; check the linked card's source and conditions.
Medians rather than means throughout: a few premium cards pull an average up. Spend-return calculator →