Compare & Apply Credit Cards in UAE

What is a Credit Card?

A credit card is simply a way to pay for your expenses, travelling, online shopping, and emergencies. Instead of paying upfront, you can use your card and clear your bill later. Note that you can use this card only up to the bank-approved credit limit, with the flexibility to repay later.

The benefits of these cards are plenty. They not only help you manage your monthly cash flows but also offer value-added benefits like cashback, air miles, reward points, travel privileges, and exclusive lifestyle protection.

Most Popular Credit Card in UAE

Liv.Liv. cashback credit card

Liv. Liv. Cashback Credit Card

Minimum Salary (AED)5,000

Annual Fee (AED)Free for Life

Offers

2% cashback on ALL YOUR SPENDS - no categories, no fuss!

to 750 cashback every month

CitibankCitibank Citi Simplicity Card

Minimum Salary (AED)5,000

Annual Fee (AED)Free for Life

Offers

No annual fee, late payment fee, cash advance fee or overlimit fee, ever

Enjoy discounts on grocery, food delivery, as well as hundreds of Buy 1 Get 1 offers

HSBCHSBC Live+ Credit Card

Minimum Salary (AED)5,000

Annual Fee (AED)1st Year Free*

Offers

Get an AED 800 Amazon gift card when you apply for this card by 30 November 2025 and spend AED 10,000 within the first 60 days.

6% cashback on dining and food and 5% cashback on fuel - all upto AED 200

First Abu Dhabi BankFirst Abu Dhabi Bank FAB Rewards Indulge Card

Minimum Salary (AED)5,000

Annual Fee (AED)Free for Life

Offers

Get 20% off your shopping on Namshi.com

Dine at over 150 restaurants in the UAE with up to 20% off

First Abu Dhabi BankFirst Abu Dhabi Bank FAB Z Card

Minimum Salary (AED)5,000

Annual Fee (AED)1st Year Free*

Offers

Free Careem Plus and Noon One membership

20% off Netflix, PlayStation, Xbox, YouTube, Spotify and Shahid

Deem FinanceDeem Finance Deem Titanium Mastercard

Minimum Salary (AED)5,000

Annual Fee (AED)1st Year Free*

Offers

Pay education fees with your Deem Card and enjoy 1% cashback (up to AED 500), option to split the cost with 0% interest over 3–6 months with our Easy Payment Plan.(Validity: 11 July - 30 September 2025).

Up to 50,000 Joy Points/month on lifestyle or travel OR Enter AED 250,000 draw every 6 months

Liv.Liv. Cashback Plus Credit Card

Liv.Liv. Cashback Plus Credit Card

Minimum Salary (AED)12,000

Annual Fee (AED)700

Offers

4% cashback on ALL YOUR SPENDS - no categories, no fuss!

Up to 1500 cashback every month

CitibankCitibank Citi Cashback Card

Minimum Salary (AED)6,000

Annual Fee (AED)1st Year Free*

Offers

Enjoy automatic cash back on all purchases with Citi Cash Back Credit Card with no annual fee (subject to spend)

Earn 3% on non-AED spend, 2% on grocery spend and 1% on all other spend

HSBCHSBC Max Rewards

Minimum Salary (AED)10,000

Annual Fee (AED)1st Year Free*

Offers

Buy 1 Get 1 Free movie tickets every month at Vox, Reel and Roxy Cinemas

12 complimentary visits per year to 1000+ airport lounges worldwide

First Abu Dhabi BankFirst Abu Dhabi Bank Cashback World Card

Minimum Salary (AED)5,000

Annual Fee (AED)300

Offers

Enjoy 5% cashback on fashion shopping and dining out

Get 5% cashback on your groceries plus AED 40 off Carrefour online

Features and Benefits of Credit Card UAE

Find below the key features and benefits of a credit card in UAE –

Features	Bemefits
Flexible and Convenient	You can use your card for booking cinema tickets, buying electronics, buying groceries, paying utilities, or purchasing fashion accessories. This removes the hassle of carrying cash everywhere.
Travel Benefits	Several credit cards in UAE are aligned towards travellers. Such cards come with benefits like lounge access, air miles, discounts on hotel bookings, and more.
Helps Building Credit	Both regular and secured credit cards can help you build your credit score. When you pay your bills on time, you avoid interest and make your credit score stronger.
Savings Ensured	When you use your Dubai credit card, you get rewards like cashback, discounts, and more. Just make sure to pay your bills in full to avoid interest.
Purchase Protection	Several credit cards in Dubai, UAE offer extended warranties and protection against loss, theft or damage on new purchases.

Types of Credit Card in UAE

There are several types of credit cards in UAE, including -

Travel Credit Cards - If you are a travel enthusiast, you should consider getting a travel card. A standard card offers a range of benefits, like free miles, complimentary night stays, discounts on car rentals, and more.
Reward Credit Cards - These cards offer points that you can redeem for several expenses and products or services.
Cashback Credit Cards - This type of card converts a portion of your spending into cash and credits it back to your card account.
Islamic Credit Cards - These are Shariah-compliant credit cards that are free from Riba (interest) or Gharar (uncertainty).
Dining Credit Cards - Perfect for foodies, these cards offer discounts at participating restaurants.
Fuel Credit Cards - These cards offer exclusive discounts at petrol pumps.

Check out the table below to know the card categories and who they are best for.

Credit Card Category	Best for	Key Benefits
Travel Credit Cards	Frequent flyers	Miles and lounge access
Reward Credit Cards	Shopping and lifestyle	Points, purchase protection
Cashback Credit Cards	Daily spendings	Cashback on essentials like groceries, education
Dining Credit Cards	Food enthusiasts	Discounts on food orders and restaurants
Lifestyle Credit Cards	Luxury benefits, entertainment	BOGO at cinemas, concierge, and more

Why Go to Paisabazaar.ae to Apply for a Credit Card in Dubai, UAE?

Paisabazaar.ae is your one-stop shop for all your financial needs. As a digital portal, it offers the best cards from the top banks and lending institutions in the UAE.

With us, you get a seamless platform to compare credit cards Dubai, UAE. When you apply for a card from us, you get —

Flexibility to compare cards
50+ cards that meet your spending profile
Quick application approval
Personalised recommendations from our experts as per your needs
Secure platform with industry-led encryption and security protocols

Credit Card Options in UAE 2026

You can find the best credit card solutions on Paisabazaar.ae. While we offer a range of cards across different categories, we have curated a list of some of the top cards worth exploring for you.

Credit Cards	Minimum Monthly Salary	Annual Fees	Key Benefits	Apply
ADCB TouchPoints Infinite Islamic Credit Card	AED 30,000	AED 1,050	Earn up to 1.5 TouchPoints on every AED 1 spent 20% discount on the talabat app on your orders	Apply Now
ADCB 365 Islamic Cashback Credit Card	AED 8,000	Free for the 1st year	AED 365 as a welcome bonus 3% cashback on telecom, utilities, fuel, and Salik	Apply Now
HSBC Cash+ Credit Card	AED 30,000	Free for the 1st year	1% daily cashback on all eligible spends Up to 50% discount on dining bills at more than 4,000 restaurants across the UAE with a complimentary Zomato Gold Membership	Apply Now
HSBC Emirates Skywards Infinite Credit Card	AED 30,000	AED 2,625	Welcome bonus of 30,000 Skywards Miles Access to 1,200 + international airport lounges worldwide	Apply Now
FAB Blue FAB Signature Credit Card by Al-Futtaim	AED 15,000	Free for Life	Up to 7% cashback Get 4 tickets per month at Reel Cinemas, Star Cinemas, and Cine Royal	Apply Now
FAB Etihad Guest Signature Credit Card	AED 15,000	AED 1,500	Up to 5.5 Etihad Guest Miles for every AED 10 spent 8 free visits per year to more than 1,000 airport lounges worldwide	Apply Now
Liv. Cashback Plus Credit Card	AED 12,000	AED 700	3 VOX Cinemas tickets per month + 25% off on food and drinks Up to 10% off on Musafir.com	Apply Now
Liv. Cashback Credit Card	AED 5,000	Free for life	Up to 8% discount on Cleartrip flight tickets 10% discount at FarFetch	Apply Now
Citibank Citi Ultima Credit Card	AED 36,750	AED 3,000	50% off on air travel tickets (up to AED 2,000) once a year 4 free BOGO movie tickets at VOX and 2 at Reel Cinemas per month	Apply Now
Citibank Citi Premier Credit Card	AED 15,000	AED 750	AED 350 cashback as a welcome bonus Up to 10% cashback on booking via Booking.com	Apply Now
Deem Finance World Mastercard Credit Card	AED 25,000	Free for life	20% discount on Emaar attractions — KidZania, Dubai Ice Rink, Adventure Park, Dubai Aquarium, and E-Kart Zabeel 6 complimentary valet parking services per month	Apply Now
Deem Finance Titanium Mastercard Credit Card	AED 5,000	Free for the 1st year	Up to 20% discount on food and grocery orders on the talabat app Up to 10% discount on hotel bookings	Apply Now

see more cards

Disclaimer - These cards are listed based on a monthly salary of AED 60,000. The options can vary based on several factors.

How Does a Credit Card UAE Work?

A credit card is a borrowing instrument. Here’s how it works —

You borrow the money from a bank or lending institution to make purchases or pay bills
You have a pre-approved credit limit

In other words,

The bank pays the merchant, and you pay the amount back to the bank
Each card has a credit limit, interest rate, and billing cycle

Compare Credit Cards in Dubai, UAE Online and Apply!

You can easily compare credit cards Dubai, UAE on Paisabazaar.ae. The process is pretty simple. All you need to do is —

Go to the official website of Paisabazaar UAE to compare credit cards
Click on ‘credit card in UAE’ from the ‘credit card’ option on the menu bar
Fill in the application form
Mention all the details — from personal details to monthly income
Browse your options and click on ‘apply now’ against the card that you find the most suitable

Common Credit Card Charges You Should Know

While a typical credit card UAE comes with many charges, let’s take a look at some of the most important ones —

Annual Fee - Charged annually for the primary card
Supplementary Card Annual Fee - Charged annually for the supplementary card
Retail Interest - Interest charged on purchases made using the card
Cash Advance Fee - It is charged when you take a cash advance on your card
Late Payment Fee - This charge is applicable if you don’t pay your bill on time
Over Limit Fee - If your spending and interest exceed the prescribed limit, you need to pay this fee
Card Replacement Fee - In case you replace the blocked existing card, you need to pay this charge
International Transaction Fee - This charge is for using your card in foreign currencies

Pros and Cons of a Credit Card

While credit cards are becoming increasingly popular, you also need to understand their pros and cons to use them mindfully and not fall into a debt trap.

Here are the pros and cons of a typical credit card in UAE —

PROS	CONS
It offers more purchasing power You get access to a range of rewards You can track your expenses easily More convenient to carry than a stack of cash Helps build a credit score and history	Irresponsible use can lead to buying more than required Higher interest and a late payment fee if you don’t pay the bill on time Not paying credit card bills can lead to a mountain of debt

How to Calculate the Interest Rate of a Credit Card?

You can easily calculate your credit card interest using an online credit card calculator. It’s an automated tool that helps you estimate the amount of interest if you pay your bill late.

To estimate this amount, you need to provide the following details —

The balance that you owe on your card
Annual payable interest rate
Monthly payment to be made

Who Can Apply for a Credit Card in UAE?

Every bank has different eligibility requirements. However, to help you get a general idea, here are the standard criteria.

Minimum Age - 21 years
Nationality - UAE nationals and residents
Employment Status - Salaried or self-employed individuals
Minimum Monthly Income - AED 5,000

Tips to Improve Your Credit Card Eligibility

Understand that a credit card in UAE can sometimes be complicated, especially if you are new to such cards and debt. Before applying, it’s important to know how to improve your chances of approval. After all, good usage can build a strong credit history and credit Score.

Here are some tips to improve your chances of getting a better credit card in Dubai —

Don’t Miss Out on Any Credit Card Payments - Missing out on card bill payments can harm your credit score, which can hamper your chances of approval. To avoid this, set up auto debits for your bill payments.
Pay in Full Whenever Possible - While partial bill payment doesn’t harm your credit score, it does bring additional interest. This increases your repayment costs and traps you in a debt cycle.
Be Mindful of Your Credit Utilisation - You should keep your credit utilisation rate under 30% of your credit limit. Overusing your card shows you as a credit-hungry individual to lenders.
Avoid Unnecessary Spending - Overspending is a no-brainer if you have an available credit limit. However, this practice can land you in a tough-to-break debt cycle.
Don’t Apply for Multiple Credit Cards - Avoid applying for multiple cards in one go. This is because credit card applications require a hard inquiry on your credit report, which harms your credit score.
Don’t Close Your Old Credit Cards - Closing your old cards reduces your total credit, increasing your credit utilisation ratio, and even removes a fair share of credit history. This can hurt your credit score.

Documents Required to Apply Credit Card in Dubai, UAE

Here is the list of documents required to apply for credit card online —

For Salaried Individuals	For Self-Employed Individuals
Emirates ID UAE residence visa (only for expats) Last 3 to 6 months’ personal bank account statements Passport Salary slip/salary certificate	Emirates ID UAE residence visa (only for expats) Last 3 to 6 months’ personal bank account statements Passport Trade Licence and Memorandum of Association

How to Choose the Right Credit Card in UAE?

A credit card in Dubai, UAE, offers financial assistance if you choose the right one. Here are some practical ways to choose the right card.

Analyse Your Spending Habits - Before applying for a card, analyse your spending habits. Understand what you want to spend on — groceries, entertainment, travel, retail, dining, and so on — to choose a card.
Compare the Rewards and Benefits - Check and compare credit cards in UAE for the reward programs and related benefits, including air miles, reward points, cashback offers, and more. If you have analysed your spending patterns, choosing the right card type won’t be a problem.
Compare Fees and Interest Rates - Don’t forget to read the fine print for the card you choose. Review it for annual fee, late payment charges, interest rate, foreign transaction fee, and more. Make sure you go for a card with a simpler structure.
Check Card’s Usability and Flexibility - Check if your credit card UAE is widely accepted at places that you prefer shopping at. Review offers on the card account or app, or online platform to track the expenses. Understand the card’s features, like credit limit, spending limits, adding alerts, or freezing the card if needed.
Make Sure Your Card Goes Beyond Welcome Bonuses - While sign-up bonuses are a tempting reason to pick a card, don’t forget the bigger picture. Check the rewards on daily spends and other benefits for regular use — this can help you figure out which card will be suitable in the long run.
Check the Application Process and Eligibility - Some credit cards in Dubai require higher credit scores and salaries. So before applying, check the minimum income requirements, application approval time, credit score expectations, and more.