DubaiPoints / Cards / Finder
Find your card Shortlist UAE cards by salary, rewards and the way you spend.
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Showing 6 of 55 cards that meet your filters
Ordered by published earn rate for general spending, then lower annual fee.
Rates use different units. The order is not based on the AED examples and is not an approval decision.
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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 →
FA First Abu Dhabi Bank Mastercard AED 1,260
incl. VAT
Annual fee
FX +2.49%
Why this card matched: FAB Elite Credit Card
Ranking General spending: 5× per AED 1.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,260 incl. VAT before any waiver. Salary transfer required. Check issuer terms ↗ 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.
Check issuer terms ↗
The FAB Elite is a high-gate premium lifestyle Mastercard, not the ESG-themed card the marketing reads like.
Earn rates
5× FAB Rewards per AED 1 spent
Eligibility
Minimum salary AED 40,000/mo Salary transfer required UAE residents Salaried EN Emirates NBD Visa AED 735
incl. VAT
Annual fee
Joining fee AED 1,575 (year 1, incl. VAT)
FX +1.99%
Why this card matched: Emirates NBD Etihad Guest Visa Inspire
Ranking General spending: 4× per AED 10.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 735 incl. VAT before any waiver. Listed joining fee: AED 1,575 incl. VAT. Check issuer terms ↗ 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 ↗
The Emirates NBD Etihad Guest Visa Inspire is the most accessible direct Etihad Guest earner on a UAE Visa — AED 12,000 minimum salary, no salary transfer requirement, and the same 7 Etihad Guest Miles per AED 10 on Etihad airfare, hotels and dining as the premium siblings.
Welcome bonus
Up to 60,000 Etihad Guest Miles + Silver fast-track
Earn rates
Partner brands 7× per AED 10
Dining 7× per AED 10
Travel 7× per AED 10
Everything else 4× per AED 10 Eligibility
Minimum salary AED 12,000/mo FA First Abu Dhabi Bank Visa AED 2,625
incl. VAT
Annual fee
FX +2.49%
Why this card matched: FAB Etihad Guest Infinite
Ranking General spending: 3.5× per AED 10.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 2,625 incl. VAT before any waiver. Check issuer terms ↗ 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 ↗
FAB's Etihad Guest Infinite is the strongest direct Etihad Guest earner on a UAE Visa Infinite, and the only card that combines Gold-tier fast-track with a six-figure welcome offer in a single product.
Welcome bonus
55,000 Etihad Guest Miles on card activation
Earn rates
Partner brands 7× per AED 10
Travel 7× per AED 10
International spend 6× per AED 10
Everything else 3.5× per AED 10 Eligibility
Minimum salary AED 30,000/mo EN Emirates NBD Mastercard AED 1,575
incl. VAT
Annual fee
FX +1.99%
Why this card matched: Emirates NBD Marriott Bonvoy World Elite Mastercard
Ranking General spending: 3× per USD 1.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,575 incl. VAT before any waiver. Salary transfer required. Check issuer terms ↗ 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 ↗
The Bonvoy World Elite is the heaviest welcome bonus on a UAE co-brand card right now — up to 200,000 Marriott Bonvoy points (100,000 on activation plus joining-fee payment, 100,000 more on USD 15,000 of retail spend across the first three statements).
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
Earn rates
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 Eligibility
Minimum salary AED 25,000/mo Salary transfer required UAE residents Salaried AD Abu Dhabi Commercial Bank Visa AED 2,100
incl. VAT
Annual fee
FX +2.99%
Why this card matched: ADCB Betaqti Credit Card
Ranking General spending: 3× per AED 1.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 2,100 incl. VAT before any waiver. Salary transfer required. Check issuer terms ↗ 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 ↗
"Betaqti" is Arabic for "my card" — and that's the giveaway on positioning.
Welcome bonus
300,000 ADCB TouchPoints on activation
Earn rates
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 Eligibility
Minimum salary AED 10,000/mo Salary transfer required UAE residents Salaried WB Wio Bank Mastercard Free
Annual fee
FX +2.00%
Why this card matched: Wio Credit (Mastercard World)
Ranking General spending: 2%.
Filters No salary, network or fee filter applied. Check before applying No listed annual fee. Listed overall cap: AED 2,500 a month. Check issuer terms ↗ 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 ↗
The honest price of Wio Credit is not the AED 0 annual fee — it is the plan.
Eligibility
Minimum salary AED 7,000/mo EN Emirates NBD Visa 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.)
Why this card matched: Emirates NBD Priority Banking Visa Infinite
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,575 incl. VAT before any waiver. Check first-year and renewal waiver terms. Salary transfer required. Check issuer terms ↗ 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 ↗
The Priority Banking Visa Infinite is not a card you choose; it is a card you receive once you are already inside Emirates NBD's Priority Banking relationship.
Earn rates
Groceries 1%
Fuel 1%
Utilities 1%
Insurance 1%
Everything else 1% Eligibility
Invitation only Salary transfer required UAE residents Salaried FA First Abu Dhabi Bank Mastercard Free
Annual fee
FX +2.49%
Why this card matched: FAB World Elite Mastercard
Ranking General spending: 5× per AED 1.
Filters No salary, network or fee filter applied. Check issuer terms ↗ 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 ↗
The FAB World Elite Mastercard is FAB's top-tier travel-and-lifestyle card and is positioned as invitation-only — there is no public application route, no published minimum salary, and FAB's consolidated Key Facts Statement (June 2023, version 1) lists the annual fee as free.
Earn rates
5× FAB Rewards per AED 1 spent
Eligibility
Invitation only UAE residents Salaried L Liv Mastercard Free
Annual fee
FX +1.99%
Why this card matched: Liv Cashback Credit Card
Ranking General spending: 0.75%.
Filters No salary, network or fee filter applied. Check before applying No listed annual fee. Listed overall cap: AED 750 a month. Check issuer terms ↗ 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 ↗
Earn rates
0.75% cashback
L Liv Mastercard AED 700
incl. VAT
Annual fee
FX +1.99%
Why this card matched: Liv Cashback+ Credit Card
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 700 incl. VAT before any waiver. Listed overall cap: AED 1,500 a month. Check issuer terms ↗ 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 ↗
The Liv Cashback+ is honest about nothing in its name and everything in its terms: the "up to 4%" is a monthly spend tier, not a rate.
AD 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.)
Why this card matched: ADCB 365 Cashback Credit Card
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 383.25 incl. VAT before any waiver. Check first-year and renewal waiver terms. Listed overall cap: AED 1,000 a month. Listed qualifying spend: AED 5,000 a month. Check issuer terms ↗ 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 ↗
The 365 Cashback is ADCB's flagship everyday cashback Visa and the card it positions against ENBD's Visa Platinum and Mashreq's Cashback line.
Welcome bonus
AED 365 welcome bonus — AED 5,000 spend within 45 days of issuance.
Earn rates
Dining 6%
Groceries 3%
Fuel 5%
Entertainment 5%
International spend 1%
Everything else 1% Eligibility
Minimum salary AED 5,000/mo AD Abu Dhabi Commercial Bank Visa Free
Annual fee
FX +2.99%
Why this card matched: ADCB Essential Cashback Credit Card
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check before applying No listed annual fee. Salary transfer required. Check issuer terms ↗ 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 ↗
The Essential Cashback is ADCB's entry cashback card — the lower-fee sibling to the 365 Cashback for the AED 5,000 salary tier.
Welcome bonus
Up to AED 250 welcome cashback on new-customer activation
Eligibility
Minimum salary AED 5,000/mo Salary transfer required UAE residents Salaried AD Abu Dhabi Commercial Bank Visa Free
Annual fee
FX +2.99%
Why this card matched: ADCB LuLu Titanium Gold Credit Card
Ranking General spending: 1× per AED 1.
Filters No salary, network or fee filter applied. Check issuer terms ↗ 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 ↗
The ADCB LuLu Titanium Gold is the entry rung of ADCB's LuLu co-brand pair, sitting underneath the LuLu Platinum reviewed separately.
Earn rates
Fuel 2× per AED 1
Everything else 1× per AED 1 Eligibility
Minimum salary AED 5,000/mo AD 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.)
Why this card matched: ADCB Shukran Credit Card
Ranking General spending: 1× per AED 1.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 262.50 incl. VAT before any waiver. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The ADCB Shukran card is a co-brand with Shukran, the loyalty programme that sits across Landmark Group's retail portfolio — Centrepoint, Babyshop, Splash, Lifestyle, Home Centre, Max, Shoemart, Emax, Homebox and Styli, the brands that fill UAE malls from Mall of the Emirates down to neighbourhood centres.
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.
Earn rates
1× Shukran per AED 1 spent
Eligibility
Minimum salary AED 5,000/mo AD Abu Dhabi Commercial Bank Mastercard Free
Annual fee
FX +2.99%
Why this card matched: ADCB Talabat Credit Card
Ranking General spending: 1.25%.
Filters No salary, network or fee filter applied. Check issuer terms ↗ 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 ↗
The ADCB talabat Credit Card is a Mastercard co-brand with the regional food-delivery platform, and it pays every reward as talabat credit straight into the cardholder's talabat Pay wallet.
Welcome bonus
AED 750 talabat credit welcome (new-to-bank applicants)
on AED 5,000 cumulative spend within 45 days
Earn rates
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% Eligibility
Minimum salary AED 5,000/mo AD 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.)
Why this card matched: ADCB TouchPoints Platinum Credit Card
Ranking General spending: 1× per AED 1.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 630 incl. VAT before any waiver. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The TouchPoints Platinum is the entry-to-mid TouchPoints rewards card in ADCB's lineup — the right card for an ADCB customer who'd rather earn a flexible in-house currency than commit to a single airline programme.
Earn rates
Travel 1× per AED 1
Fuel 2× per AED 1
Everything else 1× per AED 1 Eligibility
Minimum salary AED 5,000/mo AD Abu Dhabi Commercial Bank Visa Free
Annual fee
FX +2.99%
Why this card matched: ADCB TouchPoints Titanium Gold Credit Card
Ranking General spending: 0.5× per AED 1.
Filters No salary, network or fee filter applied. Check issuer terms ↗ 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 ↗
The ADCB TouchPoints Titanium Gold is the entry tier of ADCB's TouchPoints Visa family — free for life, accessible at AED 5,000 a month, no salary transfer required.
Earn rates
Groceries 0.4× per AED 1
Fuel 0.2× per AED 1
Everything else 0.5× per AED 1 Eligibility
Minimum salary AED 5,000/mo AD Abu Dhabi Islamic Bank Visa AED 103.95
incl. VAT
Annual fee
FX +2.30%
Why this card matched: ADIB Cashback Visa Covered Card
Ranking General spending: 0%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 103.95 incl. VAT before any waiver. Listed overall cap: AED 1,000 a month. Check issuer terms ↗ 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 ↗
ADIB's Cashback Visa is a close cousin of DIB's household cashback card: a Sharia-compliant covered card paying 4% across five everyday categories — supermarket and grocery, fuel and automobile, school and education, dining and restaurants, and utilities — and nothing outside them.
Earn rates
Dining 4%
Groceries 4%
Fuel 4%
Everything else 0% Eligibility
Minimum salary AED 5,000/mo CB Commercial Bank of Dubai Visa Free
Annual fee
FX +3.50%
Why this card matched: CBD One Credit Card
Ranking General spending: 0%.
Filters No salary, network or fee filter applied. Check before applying No listed annual fee. Listed overall cap: AED 135 a month. Listed qualifying spend: AED 5,000 a month. Check issuer terms ↗ 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 ↗
Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed DI Dubai Islamic Bank Visa 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).)
Why this card matched: DIB Consumer Cashback Reward Card
Ranking General spending: 0%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 210 incl. VAT before any waiver. Check first-year and renewal waiver terms. Listed overall cap: AED 1,000 a month. Listed qualifying spend: AED 3,000 a month. Check issuer terms ↗ 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 ↗
DIB's Consumer Cashback Reward Card is built for the UAE household balance sheet, not the everyday wallet.
Earn rates
Groceries 3%
Fuel 3%
Everything else 0% Eligibility
Minimum salary AED 5,000/mo EI Emirates Islamic Visa 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).)
Why this card matched: Emirates Islamic Switch Cashback Credit Card
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 313.95 incl. VAT before any waiver. Check first-year and renewal waiver terms. Listed qualifying spend: AED 2,500 a month. Check issuer terms ↗ 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 ↗
The Switch Cashback is Emirates Islamic's everyday Sharia-compliant cashback card, and its quirk is in the name: each month you choose either Lifestyle or Travel, and only that category's accelerated rates apply.
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).
Earn rates
Dining 4%
Groceries 4%
Travel 4%
Fuel 8%
Everything else 1% Eligibility
Minimum salary — confirmation pending UAE residents Salaried Self-employed EN Emirates NBD Visa Free
Annual fee
FX +1.99%
Why this card matched: Emirates NBD Darna Select Visa
Ranking General spending: 0.75%.
Filters No salary, network or fee filter applied. Check issuer terms ↗ 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 ↗
The Darna Select is the entry tier of Emirates NBD's Darna property-and-lifestyle programme.
Welcome bonus
250 AED voucher · AED 250 YOUGotaGift gift card on online application, plus Darna Silver tier status.
Earn rates
Partner brands 6.25%
Everything else 0.75% Eligibility
Minimum salary AED 5,000/mo EN Emirates NBD Mastercard AED 525
incl. VAT
Annual fee
FX +1.99%
Why this card matched: Emirates NBD dnata Platinum Credit Card
Ranking General spending: 1× per AED 1.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 525 incl. VAT before any waiver. Check issuer terms ↗ 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 ↗
The Emirates NBD dnata Platinum is the more interesting of ENBD's two dnata co-brand Mastercards.
Earn rates
Shopping 5× per AED 1
Travel 10× per AED 1
Everything else 1× per AED 1 Eligibility
Minimum salary AED 5,000/mo EN Emirates NBD Visa AED 103.95
incl. VAT
Annual fee
FX +1.99%
AED 104 annual fee; no published waiver.
Why this card matched: Emirates NBD Go4it Gold
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 103.95 incl. VAT before any waiver. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The Go4it Gold is ENBD's entry-level lifestyle card and the cheapest practical entry point to a UAE credit card with Nol functionality.
Earn rates
Entertainment 1.25%
Everything else 1% Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed EN Emirates NBD Mastercard Free
Annual fee
FX +1.99%
Year-one waived, no ongoing spend requirement (Free for life — no annual fee.)
Why this card matched: Emirates NBD LuLu 247 Titanium
Ranking General spending: 0.35%.
Filters No salary, network or fee filter applied. Check before applying No listed annual fee. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The LuLu 247 Titanium is the entry-level half of Emirates NBD's LuLu co-brand pair, sized for households that earn under the AED 12,000 Platinum salary bar but still shop at LuLu most weeks.
Earn rates
Groceries 3.5%
Fuel 2%
Utilities 1%
Everything else 0.35% Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed EN Emirates NBD Visa Free
Annual fee
FX +1.99%
Why this card matched: Emirates NBD Noon One Visa
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check issuer terms ↗ 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 ↗
20% on Dining — no annual fee.
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
Earn rates
Partner brands 10%
Dining 20%
Everything else 1% Eligibility
Minimum salary AED 5,000/mo EN Emirates NBD Visa Free
Annual fee
FX +1.99%
Why this card matched: Emirates NBD U by Emaar Family
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check issuer terms ↗ 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 ↗
The Emirates NBD U by Emaar Family is the no-fee entry point to ENBD's U by Emaar co-brand programme.
Earn rates
Partner brands 5%
Groceries 0.25%
Fuel 0.1%
Utilities 0.1%
Everything else 1% Eligibility
Minimum salary AED 5,000/mo EN Emirates NBD Visa AED 52.50
incl. VAT
Annual fee
FX +1.99%
Why this card matched: Emirates NBD WebShopper Credit Card
Ranking General spending: 1× per AED 200.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 52.50 incl. VAT before any waiver. Check issuer terms ↗ 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 ↗
A basic online-only Visa from Emirates NBD.
Earn rates
1× Emirates NBD Plus Points per AED 200 spent
Eligibility
Minimum salary AED 5,000/mo FA 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.
Why this card matched: FAB Cashback Card
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 315 incl. VAT before any waiver. Check first-year and renewal waiver terms. Listed overall cap: AED 1,000 a month. Listed qualifying spend: AED 3,000 a month. Check issuer terms ↗ 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 ↗
An accessible cashback card — AED 315/year (year-one fee waiver paired with the May 2026 welcome cycle, now closed — verify the live FAB welcome before applying), AED 5,000 min salary, no salary transfer required, 5% direct percent-back on dining and shopping.
Earn rates
Dining 5%
Shopping 5%
International spend 3%
Everything else 1% Eligibility
Minimum salary AED 5,000/mo H HSBC Visa 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.)
Why this card matched: HSBC Live+ Credit Card
Ranking General spending: 0.5%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 313.95 incl. VAT before any waiver. Check first-year and renewal waiver terms. Listed qualifying spend: AED 3,000 a month. Check issuer terms ↗ 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 ↗
HSBC's Live+ is one of the stronger mainstream cashback cards in the UAE, and the standout isn't only the headline 6% on dining and 5% on fuel — it's the package around them.
Earn rates
Dining 6%
Groceries 2%
Fuel 5%
Entertainment 2%
Everything else 0.5% Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed M Mashreq Visa Free
Annual fee
FX +2.89%
Why this card matched: Mashreq Cashback Credit Card
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check issuer terms ↗ 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 ↗
Mashreq's Cashback Card is a one-trick card, and the trick is a good one: 5% cashback on all dining — local, international and online food delivery — with no monthly cap and no minimum spend to qualify.
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.
Earn rates
Dining 5%
Fuel 0.15%
International spend 1%
Everything else 1% Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed SC 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).)
Why this card matched: Standard Chartered Platinum X Credit Card
Ranking General spending: rate needs confirmation.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 525 incl. VAT before any waiver. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
Standard Chartered's Platinum X carries the highest cashback headline in this set — up to 10% — but it's the most conditional card here, and the conditions matter more than the number.
Earn rates
Online 10%
International spend 10%
Everything else 0% Eligibility
Minimum salary AED 5,000/mo UAE residents Salaried Self-employed AD Abu Dhabi Commercial Bank Visa Free
Annual fee
FX +2.99%
Why this card matched: ADCB LuLu Credit Card
Ranking General spending: 1× per AED 1.
Filters No salary, network or fee filter applied. Check issuer terms ↗ 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 ↗
The ADCB LuLu Credit Card is the higher-earn end of the ADCB-LuLu co-brand pair, and on the numbers it is the strongest UAE LuLu earn we track on any issued credit card.
Earn rates
Shopping 8× per AED 1
Fuel 2× per AED 1
Everything else 1× per AED 1 Eligibility
Minimum salary AED 8,000/mo C Citibank Mastercard 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.)
Why this card matched: Citi Cash Back Credit Card
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 315 incl. VAT before any waiver. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
Citi's Cash Back is the simplest card in this batch: a flat, uncapped 1% on everything, 2% on groceries and 3% on non-AED spend, with no minimum spend and no category caps up to your credit limit.
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.
Earn rates
Groceries 2%
International spend 3%
Everything else 1% Eligibility
Minimum salary AED 8,000/mo UAE residents Salaried Self-employed EN Emirates NBD Visa 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.)
Why this card matched: Emirates NBD Darna Visa Signature
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 315 incl. VAT before any waiver. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The Darna Visa Signature sits between the AED 0 Select and the AED 1,575 Infinite in Emirates NBD's property-and-lifestyle co-brand.
Welcome bonus
3,000 Darna Points on AED 15,000 spend + Darna Gold tier
on AED 15,000 cumulative spend within 90 days
Earn rates
Partner brands 7.5%
Everything else 1% Eligibility
Minimum salary AED 12,000/mo EN Emirates NBD Diners Club AED 420
incl. VAT
Annual fee
FX +1.99%
Why this card matched: Emirates NBD Diners Club Credit Card
Ranking General spending: 0.5%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 420 incl. VAT before any waiver. Salary transfer required. Check issuer terms ↗ 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 ↗
5% on Travel — AED 420 a year.
Earn rates
Partner brands 1.5%
Dining 2.5%
Travel 5%
Everything else 0.5% Eligibility
Minimum salary AED 12,000/mo Salary transfer required UAE residents Salaried EN 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.)
Why this card matched: Emirates NBD Duo Credit Cards
Ranking General spending: 0.5%.
Filters No salary, network or fee filter applied. Check before applying No listed annual fee. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The Duo is Emirates NBD's two-cards-one-account product — a Diners Club and a Mastercard issued on a shared credit limit, with a combined earn on Plus Points.
Earn rates
Partner brands 5%
Groceries 5%
Fuel 5%
Utilities 5%
Everything else 0.5% Eligibility
Minimum salary AED 12,000/mo EN Emirates NBD Visa 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.)
Why this card matched: Emirates NBD Go4it Platinum
Ranking General spending: 0.5%.
Filters No salary, network or fee filter applied. Check before applying No listed annual fee. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The Go4it Platinum is ENBD's lifestyle-and-transit card built around Dubai's entertainment and RTA ecosystem.
Earn rates
Partner brands 2.5%
Travel 2%
Everything else 0.5% Eligibility
Minimum salary AED 12,000/mo UAE residents Salaried Self-employed EN Emirates NBD Mastercard 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.
Why this card matched: Emirates NBD LuLu 247 Platinum
Ranking General spending: 0.7%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 262.50 incl. VAT before any waiver. Listed joining fee: AED 525 incl. VAT. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The LuLu 247 Platinum is the single best UAE card for households that shop weekly at LuLu Hypermarket.
Welcome bonus
500 LuLu Points + 0% balance transfer with no processing fee
Earn rates
Partner brands 7%
Fuel 4%
Utilities 2%
Everything else 0.7% Eligibility
Minimum salary AED 12,000/mo UAE residents Salaried Self-employed Business owner EN Emirates NBD Mastercard Free
Annual fee
FX +1.99%
Year-one waived (Currently advertised 'Free for life'. KFS/SoC standard renewal: AED 315.)
Why this card matched: Emirates NBD Marriott Bonvoy World Mastercard
Ranking General spending: 1.5× per USD 1.
Filters No salary, network or fee filter applied. Check before applying No listed annual fee. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The Emirates NBD Marriott Bonvoy World Mastercard is the no-fee, no-salary-transfer entry point to ENBD's Bonvoy range — a direct-earn hotel card aimed at the AED 12,000-to-25,000 salary band that can't yet clear the World Elite's gates.
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
Earn rates
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 Eligibility
Minimum salary AED 12,000/mo EN Emirates NBD Mastercard 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.)
Why this card matched: Emirates NBD Mastercard Platinum
Ranking General spending: 1.5%.
Filters No salary, network or fee filter applied. Check before applying No listed annual fee. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The Mastercard Platinum is Emirates NBD's general-purpose Mastercard sibling to the Visa Platinum — same Plus Points engine, same modest earn shape, same AED 0 annual fee on the current promo, just on Mastercard rails.
Earn rates
Groceries 0.4%
Fuel 0.2%
Utilities 0.2%
Everything else 1.5% Eligibility
Minimum salary AED 12,000/mo EN Emirates NBD Visa Free
Annual fee
FX +1.99%
Year-one waived, no ongoing spend requirement (Free for life — no annual or joining fee.)
Why this card matched: Emirates NBD SHARE Visa Signature
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check before applying No listed annual fee. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The Signature is the SHARE card most UAE residents should actually apply for.
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
Earn rates
Partner brands 6%
Groceries 0.25%
Fuel 0.1%
Utilities 0.1%
Insurance 0.25%
Everything else 1% Eligibility
Minimum salary AED 12,000/mo UAE residents Salaried Self-employed Business owner EN Emirates NBD Visa 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.)
Why this card matched: Emirates NBD Skywards Signature
Ranking General spending: 0.75× per USD 1.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 735 incl. VAT before any waiver. Listed joining fee: AED 1,573.95 incl. VAT. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The cheaper of ENBD's two Skywards co-brands, accessible at AED 12,000 minimum salary versus the Infinite's AED 30,000.
Welcome bonus
Up to 40,000 Skywards Miles + Visa lounge access
Earn rates
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 Eligibility
Minimum salary AED 12,000/mo UAE residents Salaried Self-employed Business owner EN Emirates NBD Visa 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.)
Why this card matched: Emirates NBD Visa Flexi
Ranking General spending: 1.5%.
Filters No salary, network or fee filter applied. Check before applying No listed annual fee. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
0.4% on Groceries — no annual fee.
Earn rates
Groceries 0.4%
Fuel 0.2%
Utilities 0.2%
Insurance 0.4%
Everything else 1.5% Eligibility
Minimum salary AED 12,000/mo EN Emirates NBD Visa 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.)
Why this card matched: Emirates NBD Visa Platinum
Ranking General spending: 1.5%.
Filters No salary, network or fee filter applied. Check before applying No listed annual fee. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The Visa Platinum is Emirates NBD's no-fee everyday earner for the AED 12,000+ salary band, and on the current promo the annual fee is waived outright.
Earn rates
Groceries 0.4%
Fuel 0.2%
Utilities 0.2%
Insurance 0.4%
Everything else 1.5% Eligibility
Minimum salary AED 12,000/mo EN Emirates NBD Mastercard Free
Annual fee
FX +1.99%
Why this card matched: Emirates NBD Voyager World Credit Card
Ranking General spending: 0.5× per AED 1.
Filters No salary, network or fee filter applied. Check issuer terms ↗ 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 ↗
Emirates NBD's Voyager World is a fee-free travel card whose value is almost entirely tied to the bank's own Voyager Travel Portal.
Welcome bonus
75,000 Voyager Miles when you spend AED 35,000 within the first 3 billing statements.
Earn rates
Travel 3× per AED 1
Everything else 0.5× per AED 1 Eligibility
Minimum salary AED 12,000/mo AD 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.
Why this card matched: ADCB Traveller Credit Card
Ranking General spending: 1.5%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,575 incl. VAT before any waiver. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The ADCB Traveller is a clean 0% FX cashback card pitched at the travel-heavy spender.
Earn rates
Airfare 10%
Hotels 10%
Cinema 50%
Everything else 1.5% Eligibility
Minimum salary AED 20,000/mo EN Emirates NBD Mastercard AED 1,048.95
incl. VAT
Annual fee
FX +0.00%
Why this card matched: Emirates NBD dnata World Credit Card
Ranking General spending: 1.5%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,048.95 incl. VAT before any waiver. Salary transfer required. Check issuer terms ↗ 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 ↗
The Emirates NBD dnata World Credit Card sits one tier above the dnata Platinum and exists for a narrow audience: a UAE household that books AED 30,000-plus of holidays a year through dnata Travel, earns AED 20,000 a month, and will move salary to Emirates NBD to qualify.
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
Earn rates
Partner brands 15%
Travel 10%
Everything else 1.5% Eligibility
Minimum salary AED 20,000/mo Salary transfer required UAE residents Salaried R RAKBANK Mastercard 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).)
Why this card matched: RAKBANK World Credit Card
Ranking General spending: 1%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 997.50 incl. VAT before any waiver. Check first-year and renewal waiver terms. Listed qualifying spend: AED 10,000 a month. Check issuer terms ↗ 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 ↗
RAKBANK markets the World as the "king of cashback," and the 10% headline on supermarket, dining and travel is genuinely high for the UAE — but read the caps before you apply.
Earn rates
Dining 10%
Groceries 10%
Travel 10%
Everything else 1% Eligibility
Minimum salary AED 20,000/mo UAE residents Salaried Self-employed AD 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.
Why this card matched: ADCB TouchPoints Infinite Credit Card
Ranking General spending: 1.5× per AED 1.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,050 incl. VAT before any waiver. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The TouchPoints Infinite is ADCB's flagship rewards Visa Infinite — the premium-tier card for a customer earning AED 25,000+ who wants the flexibility of TouchPoints with the lounge access and lifestyle benefits of a Visa Infinite.
Earn rates
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 Eligibility
Minimum salary AED 25,000/mo EN Emirates NBD Visa AED 1,575
incl. VAT
Annual fee
FX +1.99%
Why this card matched: Emirates NBD Darna Visa Infinite
Ranking General spending: 1.5%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,575 incl. VAT before any waiver. Salary transfer required. Check issuer terms ↗ 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 ↗
The Darna Visa Infinite is the top rung of Emirates NBD's Darna property-and-lifestyle co-brand.
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
Earn rates
Partner brands 10%
Everything else 1.5% Eligibility
Minimum salary AED 30,000/mo Salary transfer required UAE residents Salaried EN Emirates NBD Visa AED 1,575
incl. VAT
Annual fee
Joining fee AED 2,625 (year 1, incl. VAT)
FX +1.99%
Why this card matched: Emirates NBD Etihad Guest Visa Elevate
Ranking General spending: 2× per AED 10.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,575 incl. VAT before any waiver. Listed joining fee: AED 2,625 incl. VAT. Salary transfer required. Check issuer terms ↗ 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 ↗
The Emirates NBD Etihad Guest Visa Elevate has quietly become the strongest Etihad-ecosystem earner in the UAE market: 10 Etihad Guest Miles per AED 10 — 1 Mile per AED 1 — on Etihad Airways, hotels and dining, against the 7 per AED 10 that both the FAB Etihad Guest Infinite and the AED 12,000-salary ENBD Inspire pay on Etihad spend.
Welcome bonus
200,000 Etihad Guest Miles
Earn rates
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 Eligibility
Minimum salary AED 30,000/mo Salary transfer required UAE residents Salaried EN Emirates NBD Visa 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.
Why this card matched: Emirates NBD SHARE Visa Infinite
Ranking General spending: 1.5%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,575 incl. VAT before any waiver. Listed joining fee: AED 1,500 incl. VAT. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The SHARE Visa Infinite is for a specific UAE household — the one whose monthly retail and dining spend lands inside Majid Al Futtaim merchants.
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
Earn rates
Partner brands 8%
Groceries 0.375%
Fuel 0.15%
Utilities 0.15%
Insurance 0.375%
Everything else 1.5% Eligibility
Minimum salary AED 30,000/mo UAE residents Salaried Self-employed Business owner EN Emirates NBD Visa 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.)
Why this card matched: Emirates NBD Skywards Infinite
Ranking General spending: 1× per USD 1.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,575 incl. VAT before any waiver. Listed joining fee: AED 3,148.95 incl. VAT. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
If you fly Emirates more than twice a year out of DXB and your spend is heavily weighted toward Emirates, flydubai, duty free, or online food delivery, this is the strongest pure-miles card in the UAE — but only because direct Skywards earning at 2 miles per USD on those partner categories is rare on a UAE-issued Visa.
Welcome bonus
Up to 100,000 Skywards Miles + complimentary Rotana Rewards
Earn rates
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 Eligibility
Minimum salary AED 30,000/mo UAE residents Salaried Self-employed Business owner EN Emirates NBD Visa 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.
Why this card matched: Emirates NBD U by Emaar Infinite
Ranking General spending: 1.5%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,575 incl. VAT before any waiver. Listed joining fee: AED 2,625 incl. VAT. Check first-year and renewal waiver terms. Check issuer terms ↗ 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 ↗
The U by Emaar Infinite is Emirates NBD's co-branded Visa Infinite for the resident whose discretionary spend genuinely lives inside Emaar's footprint — Dubai Mall, Dubai Marina Mall, Dubai Hills Mall, Address, Rove and Vida hotels, and Emaar F&B outlets.
Welcome bonus
Up to 25,000 UPoints + automatic U by Emaar Platinum status
Earn rates
Partner brands 7.5%
Everything else 1.5% Eligibility
Minimum salary AED 30,000/mo UAE residents Salaried Self-employed Business owner EN Emirates NBD Visa AED 1,575
incl. VAT
Annual fee
FX +1.99%
Why this card matched: Emirates NBD U by Emaar Infinite (for Emiratis)
Ranking General spending: 1.5%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,575 incl. VAT before any waiver. Salary transfer required. Check issuer terms ↗ 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 ↗
The Emirates NBD U by Emaar Infinite (for Emiratis) is a UAE-national-only variant of the open U by Emaar Infinite — and on the numbers, the better-priced version of the same card.
Welcome bonus
25,000 UPoints
Earn rates
Partner brands 7.5%
Everything else 1.5% Eligibility
Minimum salary AED 30,000/mo Salary transfer required UAE residents Salaried EN Emirates NBD Visa AED 1,575
incl. VAT
Annual fee
FX +1.99%
Why this card matched: Emirates NBD Visa Infinite
Ranking General spending: 2%.
Filters No salary, network or fee filter applied. Check before applying Listed annual fee: AED 1,575 incl. VAT before any waiver. Salary transfer required. Check issuer terms ↗ 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 ↗
The Visa Infinite is Emirates NBD's anchor card for the AED 30,000+ salary band already inside the bank's ecosystem.
Earn rates
Groceries 0.4%
Fuel 0.2%
Utilities 0.2%
Insurance 0.4%
Everything else 2% Eligibility
Minimum salary AED 30,000/mo Salary transfer required UAE residents Salaried 
First Abu Dhabi Bank 
