Best Credit Card for Points

The best credit card rewards let you earn points on every purchase, which you can redeem later for flights, hotel stays, shopping, fuel, dining, and more. These cards offer amazing value through redemption options and bonus points. On top of that, you can even get vouchers using the earned points.

Cashback up to AED 2,000
Rewards + Welcome Offers
No Annual Fee
Travel benefits
Dining Discounts
Entertainment Benefits

Top Points Credit Cards in UAE

With the cards below, you get points credited to your account after every purchase you make through them. After accumulating points, you can easily redeem them for further transactions. Some card points expire within a set deadline, while others have lifetime validity.

The table below shows some of the best credit card rewards available in the UAE —

Citibank Citi Rewards Credit Card

CitibankCitibank Citi Rewards

Minimum Salary (AED)8,000

Annual Fee (AED)1st Year Free*

Features

Free for 1st year
Airport Lounge Access
Movie Discounts
Dining Discounts
Travel Insurance

Features & Benefits of Citibank Citi Rewards Card

Earn up to 1.5 ThankYou points for each USD 1 spent —
- 1.5 points on groceries and non-AED spending
- 1 point on other transactions
Redeem earned points for travel-related transactions or cashback

Citibank Citi Premier Credit Card

CitibankCitibank Citi Premier

Minimum Salary (AED)15,000

Annual Fee (AED)750

Features

Movie Discounts
Dining Discounts
Airport Lounge Access

Features & Benefits of Citibank Citi Premier Card

Earn ThankYou points —
- 3 points for dining, fuel, and groceries
- 2 on non-AED spending
- 1 on AED spending
Redeem earned points — transfer to 11 partnered airlines or cashback

ADCB TouchPoints Visa Platinum Credit Card

ADCBADCB TouchPoints Visa Platinum Credit Card

Minimum Salary (AED)8,000

Annual Fee (AED)1st Year Free

Features

Airport Lounge Access
Movie Discounts
Dining Discounts

Features & Benefits of ADCB TouchPoints Visa Platinum Credit Card

Earn bonus TouchPoints on spending AED 10,000 or more (monthly)
Earn up to 1 TouchPoint for each AED 1 spent
Earn 0.4 TouchPoints for each AED 1 — valid for domestic spends on education, restaurants, real estate, fuel, and more

ADCB LuLu Platinum Credit Card

ADCBAbu Dhabi Commercial Bank LULU Platinum Credit Card

Minimum Salary (AED)8,000

Annual Fee (AED)Free for Life

Features

Airport Lounge Access
Free for Life
Lifestyle Benefits
Movie Discounts

Features & Benefits of ADCB LuLu Platinum Credit Card

Earn up to 1.25 LuLu points for each AED 1 spent
Get 8% back as LuLu points on all LuLu shopping

ADCB TouchPoints Gold Islamic Credit Card

ADCBADCB TouchPoints Gold Islamic Credit Card

Minimum Salary (AED)5,000

Annual Fee (AED)Free for Life

Features

Free for Life
Avis Car Rental
Dining Discounts

Features & Benefits of ADCB TouchPoints Gold Islamic Credit Card

Earn 5,000 bonus TouchPoints on spending AED 5,000 every month
Get up to 0.5 TouchPoints for each AED 1 spent
0.4 TouchPoints for each AED 1 spent on domestic transactions

Know Your Eligibility to Get the Best CC Rewards

Given are the general entry requirements to apply for your preferred credit card in the UAE —

Eligibility Type	Requirements
Minimum Salary	AED 5,000
Minimum Age	21 years
Residency	UAE resident or citizen
Status of Employment	Salaried or self-employed
Credit Score	Decided by the bank

Which Documents are Required to Apply For Top Points Credit Cards in UAE?

Find below the major documentation requirements for the best rewards credit cards —

For UAE Nationals

Salaried Employees	Self-Employed Individuals
Emirates ID Passport Salary Certificate/ Salary Slip Latest 3-6 Months’ Account Statements Completed Application Form	Emirates ID Passport Trade Licence/ MoA Latest 3-6 Months’ Account Statements Filled Out Application Form

For Expatriates

Salaried Employees	Self-Employed Individuals
Emirates ID Passport UAE Residence Visa Salary Certificate/ Salary Slip Latest 3-6 Months’ Account Statements Completed Application Form	Emirates ID Passport UAE Residence Visa Trade Licence/ MoA Latest 3-6 Months’ Account Statements Completed Application Form

Get the Best CC Rewards Options at Paisabazaar.ae

Find your ideal card through Paisabazaar.ae and earn amazing rewards on all purchases!

Let’s see how to choose a card to enjoy the best credit card rewards —

Start by filling out the form below
Use filters or manually shortlist cards with the best cc rewards
Compare cards by reading out their fine print
Select and apply

We will shortly call you to guide you with the further steps.

The process is quite easy with us! We prioritise you and offer you several perks —

Tie-ups with the top banks to give you the best options
A wide range of cards with exclusive privileges
Dedicated and active customer support team for assistance

Frequently Asked Questions

Ans: Each card allows you to earn different types of points based on your various lifestyle spending categories. A few cards also let you earn points on specific partner stores. Some cards also offer bonus points on meeting monthly spend targets and even points as welcome bonuses.

Ans: Yes. Salary requirements start from AED 5,000 and vary as per the card type and the bank’s eligibility criteria.

Ans: Redemption options include travel bookings, cashback, purchases at partner stores, or transferring points to airline or hotel loyalty programs, depending on the bank’s reward system.

Ans: You earn 0.4 Touchpoints on education spending.

Ans: This varies by card. Some reward programs have expiry dates, while others offer points that never expire. Make sure to check the card’s terms and conditions before applying.

Ans: Fill out the lead form, use filters to shortlist cards, compare benefits, then apply online. You will receive a call for further assistance.

Ans: Yes. If used responsibly, they help maximise value on daily expenses such as groceries, fuel, dining, and travel.

Ans: Yes, you can pay with your Citi Premier card on dining transactions to earn 3 ThankYou points.