Before choosing a credit card, it’s better to know your requirements and lifestyle to gain more from the credit cards. So, let’s see what are the best credit cards in UAE.
RAKBANK Red is a very simple credit card with a 1- 1.5% cashback offer, and its minimum spend is 1000 dirhams, which is an entry-level credit card for medium users. And if you spend more than 3000 dirhams you will get a 300 dirhams flat cashback or 2%, whichever is lower.
The most important thing is this credit card doesn’t have any annual charges, it comes as a free credit card for life. Up to 30% discounts on restaurants and 20% discount on your first 3 Uber rides every month. RAKBANK red also comes with 0% interest on EMI’s.
Simply life from ADBC bank is a very simple credit card with a flat 1% cashback offer on your purchase, so if you purchase for whatever amount you will get 1% cashback. It is good that there is no slabs for the cashback on your purchase. Simply life also comes with free life feature.
You will get 2 movie tickets every month on your spend worth 1500 dirhams, this offer is applicable only for 35 dirhams tickets. If you buy 2 movies tickets anywhere in the UAE worth 35 dirhams ( each ticket ) or more you will still get cashback of 70 dirhams (the maximum cost of 2 tickets ).
You also have free lounge access to the Marhaba lounge in Dubai and the Diamond lounge access in Abudhabi.
Simply life credit card is so simple, that you don’t need to worry about the redemption of points or the expiry, everything happens on its own.
FAB cashback card is from First Abu Dhabi Bank which comes with lots of cashback offers. It offers 5% cash back on utilities, fuel, and groceries. You will also get a 300 AED as a welcome bonus on your first purchase within 30 days. You should have a monthly salary of 5000 AED to avail of this card, which would make it accessible to all salaried people in the UAE.
FAB cash back card also offers discounts on cinema tickets and 20% off on careem chauffeur services. FAB cashback card comes with a credit shield that will protect you from paying the credit balance if something happens to you and a wallet shield to protect you from any fraudulent transaction.
Lulu card from NBD Emirates is a very useful card for many of us who does grocery shopping and other utility payments. Most people have this credit card by default because of the impressive cashback offers on your utility spend. You will get a 3.5 % cashback on your grocery shopping, 2% on your fuel expense, 1% on your utility payments, and 0.35% on other purchases.
Should have a minimum salary of 5000 Dirhams to avail of this card.
And you can avail of buy 1 get 1 offer on your tickets at VOX cinemas monthly at a minimum spend of 2000 dirhams. LuLu card also comes with exclusive benefits on your shopping at LuLu malls.
You will also get lounge access to most of the airports in the Arab countries.
You can avail of 20% off on your first 3 Uber rides every month, which you can take advantage of during your office or weekend travel. And discounts on your online courses are Udemy.
The cashback cards from Emirates Islamic bank has various option according to your needs. It has cashback, cashback plus card and RTA card. I would recommend RTA cash back cards because it has 10% cashback ( Max AED 100/ month) on fuel spent and 10 % cashback on RTA payments.
RTA cash back card also acts as your NOL card. It comes with an in-built NOL card like if you forget your NOL card for transport you can use this card for your travel.
Cashback plus cards come with a flat 10% cashback on all your purchase with a built-in NOL card, but the purchase slab to get the cashback is way too much up to AED 17000.
Are you traveling more ???. Then Deem platinum miles card will be a suitable card for you. This card gives you miles points for every purchase you make and you can redeem these points for your flight booking. You will get complimentary lounge access, free valet parking, and discounts on taxis.
It is a lifetime free credit card with zero card charges. You can avail yourself 3 miles points for every flight booking, hotel reservations, and shopping in online stores.
But the minimum salary requirement for this card is AED 10000.
This card will be useful for people who travel most of the time for work or for leisure.
Choose your credit card depending on your requirements, and check all the terms and conditions before you apply.
Do pay the credit card bill on time so that you can maintain the credit score and not attract any extra charges.
