Best Premium Credit Cards in UAE January 2026

Premium credit cards are exclusively designed for high-value users seeking more than just everyday spending convenience. These cards come with luxury travel perks, lifestyle privileges, reward points, and personalised services. Let’s see which are the best top cards offering premium privileges.

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

Best Premium Credit Cards in UAE

Banks in the UAE offer numerous cards based on salaries and perks. Usually, cards requiring a salary of AED 15,000 and above fall into the premium category. These cards are packed with extraordinary lifestyle, travel, protection, and other benefits.

Tabled below are some of the best premium credit cards that you may consider —

Card Name	Minimum Salary Requirement	Annual Fee	Key Features	Apply
Citibank Citi Ultima Card	AED 36,750	AED 3,000	Earn Citi Miles on local and international transactions for each USD 1 spent Enjoy exclusive travel deals, including cashback on flight tickets, hotel stay offers, airport lounge access, airport transfers, and more Save on lifestyle spends with valet parking service, free cinema tickets, Talabat order discounts, and unlimited golf access	Apply Now
Citibank Citi Prestige Card	AED 30,000	AED 1,500	Receive cashback as a welcome bonus Get ThankYou points annually by paying the yearly card fee Earn ThankYou points for each USD 1 spent Enjoy exceptional travel benefits like airport lounge access, airport transfers, hotel stay deals, and more Lifestyle privileges include valet parking services, movie ticket discounts, Talabat bookings, and golf course access	Apply Now
Citibank Citi Premier Credit Card	AED 15,000	AED 750	Receive cashback as a welcome bonus Earn ThankYou points for each USD 1 spent Travel privileges like airport transfers, airport lounge access, cashback on Booking.com accommodations, and more are included Shield yourself and your purchases with Travel Accident & Medical Insurance, and Purchase Protection Exclusive deals on the Talabat app, movie tickets, and golf course access	Apply Now
Blue FAB Signature by Al-Futtaim	AED 15,000	Free for life	Exclusive cashback on all Al-Futtaim purchases BNPL offers at Al-Futtaim shopping Amazing movie ticket discounts on Star, Cine Royal, and Reel Cinemas Travel perks like complimentary airport lounge access and airport transfer facilities Complimentary supplementary cards for family members	Apply Now
FAB Etihad Guest Signature Card	AED 15,000	AED 1,500	Earn Etihad Guest Miles as a welcome bonus Get Etihad Guest Miles credited to your account on all transactions Enjoy travel privileges like free airport lounge access, fast track upgrade to Etihad Guest Silver status, an in-flight Wi-Fi voucher for free, and more Save with discounts on golf course access and cinema tickets	Apply Now
HSBC Emirates Skywards Infinite Card	AED 30,000	AED 2,625	Receive a welcome bonus upon card issuance Earn Skywards Miles for every USD 1 spent Enjoy travel perks such as free airport lounge access, hotel accommodation at Booking.com Amazing lifestyle offers include complimentary Beach Club visits, 12-month Careem Plus membership, discounted dining bills, and more Complimentary access to Silver Tier membership	Apply Now
HSBC Cash+ Card	AED 30,000	Free for the first year AED 1,050 from the second year onwards	Earn cashback on eligible spends Save on dining at your favourite restaurants across the UAE with the complimentary Zomato Gold membership Other perks include BOGO movie offer, complimentary airport lounge access, multi-trip travel insurance, and hotel deals	Apply Now

Know Your Eligibility for Premium Credit Cards

As mentioned above, salary plays an important role in deciding your eligibility for a card. However, other factors also influence your qualification for a preferred card. We have mentioned the common entry requirements to get a premium card in UAE —

Eligibility Type	Requirements
Minimum Salary	AED 15,000
Minimum Age	21 years
Residency	UAE resident or citizen
Status of Employment	Salaried or self-employed
Credit Score	As per the bank

Documents to Apply for a Premium Card Application

Documentation is a crucial part of your card application processing. Banks verify your identity and your potential to manage premium credit cards. For this, they require a few documents for evaluation. Given is a set of general documents, categorised according to applicant’s nationality and employment status–

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 Completed Application Form

For Expats

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

How to Apply for the Best Premium Credit Cards via Paisabazaar.ae?

At Paisabazaar UAE, you, the customer, are at the heart of everything we do. Our team is committed to making your experience seamless, helping you find and select the right card. Here’s what you need to do —

Find the lead form here and fill it out
Quotes will appear based on the details provided
Check out the list of premium credit cards
Compare, shortlist, and choose one
Proceed with the on-screen instructions to successfully apply

As a leading banking aggregator, we ensure a seamless banking experience for you. Here’s why you should choose us —

✨ We have cards from the top banks on our quotes

✨ You can compare multiple premium cards in one go and simplify your search

✨ Get a dedicated expert to help you throughout the process

✨ Apply for a card in minutes effortlessly

We keep getting queries on premium cards. The following section lists some of the top questions asked by card seekers — check them out!

Frequently Asked Questions

Ans: The minimum salary requirement for premium cards usually starts from AED 15,000. Note that the criterion varies by card.

Ans: Yes, most premium cards have annual fees. However, some banks have certain cards with zero annual membership fees. Others may waive the fees as per certain spend-related criteria.

Ans: Rewards include loyalty points, air miles, cashback, and exclusive partner discounts on travel, dining, shopping, and entertainment.

Ans: Cardholders receive Skywards Miles, exclusive travel perks, Booking.com hotel offers, beach club access, Careem Plus membership, and complimentary Silver Tier membership.

Ans: Yes. Travel perks with premium cards commonly include airport lounge access, airport transfers, hotel stay deals, and travel insurance. In some cases, you can also get fast-track airline tier upgrades and Wi-Fi vouchers.

Ans: Absolutely yes. As a user, you can enjoy valet parking, golf course access, movie ticket discounts, food delivery offers, and memberships like Careem Plus or Zomato Gold, depending on the card.

Ans: Yes, many premium credit cards offer welcome bonuses such as cashback, and loyalty points or air miles. The latter are credited upon card issuance or after meeting minimum spend requirements.

Ans: The Citi Premier provides ThankYou Points on all transactions, travel insurance, lounge access, Booking.com savings, and lifestyle perks like Talabat discounts, cinema offers, and golf access.

Ans: Yes. This card is free for life and offers exclusive Al-Futtaim cashback, BNPL benefits, movie discounts, lounge access, and complimentary supplementary cards.

Ans: Yes, several premium cards offer complimentary supplementary cards for family members.

Ans: Premium cards often include purchase protection, extended warranty, and travel-related insurance such as travel accident cover and medical coverage.