UAE banking guide

Best Balance Transfer Credit Cards UAE

Compare UAE credit cards with balance transfer and installment features.

Blue FAB Infinite Credit Card by Al-Futtaim card image

Blue FAB Signature Credit Card by Al-Futtaim card image

Blue FAB Platinum Credit Card by Al-Futtaim card image

LuLu 247 Titanium Credit Card card image

Etihad Guest Platinum Credit Card card image

Etihad Guest Premium Credit Card card image

Skywards Signature Credit Card card image

Etihad Guest Ameera Credit Card card image

Etihad Guest Saqer Credit Card card image

Written by Nahid Perween

Dubai · Banking and Credit Cards Expert

Compare the full cost, not only the promotional rate. Check the processing fee, offer period, standard rate after the offer, and any conditions.

What this means for you

A zero-rate or zero-fee headline can cover only one part of the transaction. Other bank or card-network charges may still apply.

A simple way to decide

1 Read the offer period
2 Add every fee
3 Check the rate after the offer

Before you apply

Compare the total dirham cost.
Check the repayment period and monthly instalment.
Read what happens when the offer ends.
Use the official product page and key facts statement before applying. If a value is missing, ask the bank instead of assuming it.

Words you may see

Annual fee: The standard yearly charge for keeping the card.
APR: The yearly borrowing rate if you carry an unpaid card balance.
KFS: The Key Facts Statement: a bank document listing important fees, rates, and risks.

Cards worth checking for this need

These are useful starting points from the cards in the comparison table. They are not paid placements or promises of approval.

Ajman BankULTRACASH Mastercard Credit Card

The bank publishes cashback categories or rates

Salary: AED 10,000
Annual fee: AED 500
Cashback: Choose 2 of 4 everyday spending categories
Published reward: Eligible categories are fuel, online shopping, supermarkets, and school fees

View details Official page Key facts

Blue FAB Infinite Credit Card by Al-Futtaim card

First Abu Dhabi BankBlue FAB Infinite Credit Card by Al-Futtaim

The published annual fee is zero or has a stated waiver

Salary: AED 40,000
Annual fee: AED 0
Cashback: Cashback - Up to 9% - Up to 9% cashback
Published reward: Cashback

View details Official page Official document

Emirates IslamicCashback Card

The published salary requirement is lower than many alternatives here

Salary: AED 5,000
Annual fee: AED 367.5
Cashback: 5% cashback on telecom expenses
Published reward: 5% cashback on electronic store purchases

View details Official page Key facts

Official sources used

These bank pages, Key Facts Statements, fee schedules and terms support the product details in this guide. Open the latest version before applying.

FAB Credit Cards Service and Pricing GuideFirst Abu Dhabi Bank · Fees-and-charges
FAB Rewards Terms and ConditionsFirst Abu Dhabi Bank · Terms-and-conditions
Emirates Islamic credit cards KFSEmirates Islamic · Key-facts-statement
Emirates Islamic credit cards KFS pageEmirates Islamic · Key-facts-page
Emirates NBD getallcards APIEmirates NBD · Source-feed
Emirates NBD credit cards KFSEmirates NBD · Key-facts-statement
Ajman Bank credit card KFSAjman Bank · Key-facts-statement
Ajman Bank tariff charges formAjman Bank · Fees-guide
KFS - Covered CardsAafaq Islamic Finance · Key-facts-statement
Al Masraf Personal Credit Cards KFSAl Masraf · Key-facts-statement
Al Masraf Personal Banking Schedule of ChargesAl Masraf · Fees-and-charges
NBQ Credit Cards KFSNational Bank of Umm Al-Qaiwain · Key-facts-statement
NBQ Credit Card Terms and ConditionsNational Bank of Umm Al-Qaiwain · Terms-and-conditions
DIB Covered Cards KFSDubai Islamic Bank · Key-facts-statement

Compare options

Cards in this guide

Product	Bank	Annual fee	Salary	APR	Cashback*	Network	Details
Blue FAB Infinite Credit Card by Al-FuttaimCashback · Lounge · Travel	First Abu Dhabi Bank	AED 0	AED 40,000	47.88% APR	Cashback - Up to 9% - Up to 9% cashback Up to 9% cashback on retail shopping mentioned on FAB Blue listing Up to 4% cashback on specialty spending mentioned on FAB Blue listing Up to 1% cashback on other spending mentioned on FAB Blue listing The Blue FAB Infinite Credit Card by Al-Futtaim provides up to 9% cashback on retail shopping, airport lounge access, travel discounts, and 0% balance transfer interest. Up to Up to 9%	Visa	Details
Blue FAB Signature Credit Card by Al-FuttaimCashback · Lounge · Travel	First Abu Dhabi Bank	AED 0	AED 15,000	47.88% APR	Cashback - Up to 9% cashback on retail shopping mentioned on FAB Blue listing Up to 9% cashback on retail shopping mentioned on FAB Blue listing Up to 4% cashback on specialty spending mentioned on FAB Blue listing Up to 1% cashback on other spending mentioned on FAB Blue listing The Blue FAB Signature Credit Card by Al-Futtaim provides up to 9% cashback on retail shopping, airport lounge access, travel discounts, and buy now pay later options. Up to Up to 9%	Visa	Details
Blue FAB Platinum Credit Card by Al-FuttaimCashback · Lounge · Travel	First Abu Dhabi Bank	AED 0	AED 8,000	47.88% APR	Up to 9% cashback on retail shopping mentioned on FAB Blue listing Up to 4% cashback on specialty spending mentioned on FAB Blue listing Up to 1% cashback on other spending mentioned on FAB Blue listing The Blue FAB Platinum Credit Card by Al-Futtaim provides up to 9% cashback on retail shopping, airport lounge access, travel discounts, and zero annual fee. Up to Up to 9%	Visa	Details
Cashback CardCashback · Cinema · Low fee	Emirates Islamic	AED 367.5	AED 5,000	44.28% APR	5% cashback on telecom expenses 5% cashback on electronic store purchases Up to 1% guaranteed cashback on all local and international transactions Cashback on telecom expenses - 5% - Enjoy 5% cashback on telecom expenses Cashback on electronic store purchases - 5% - Enjoy 5% cashback on electronic store purchases Enjoy 5% cashback on telecom expenses and 5% cashback on electronic store purchases.	Visa	Details
LuLu 247 Titanium Credit CardCashback · Lounge · Travel	Emirates NBD	AED 0	AED 5,000	44.28% APR	Cashback - up to 3.5% - Up to 3.5% back on your spends 5% cashback on spends, 0% balance transfer fees, and airport lounge access.	Mastercard	Details
Etihad Guest Platinum Credit CardCashback · Miles · Lounge	Emirates Islamic	AED 208.95	AED 5,000	44.28% APR	Cashback	Visa	Details
Etihad Guest Premium Credit CardCashback · Miles · Lounge	Emirates Islamic	AED 2,625	AED 20,000	44.28% APR	Cashback	Visa	Details
Skywards Black Credit CardCashback · Miles · Lounge	Emirates Islamic	AED 5,775	AED 35,000	39% APR	Cashback	Visa	Details
Skywards Signature Credit CardMiles · Lounge · Travel	Emirates Islamic	AED 735	AED 12,000	44.28% APR		Visa	Details
Etihad Guest Ameera Credit CardCashback · Miles · Lounge	Emirates Islamic	AED 733.95	AED 12,000	44.28% APR	Cashback	Visa	Details
Etihad Guest Saqer Credit CardMiles · Lounge · Travel	Emirates Islamic	AED 943.95	AED 12,000	44.28% APR		Visa	Details
Flex Covered CardMiles · Lounge · Travel	Emirates Islamic	AED 0	AED 5,000	44.28% APR		Visa	Details

APR means Annualized Percentage Rate: the yearly cost rate used for unpaid card balances. If a bank lists only a monthly retail/cash finance rate, we show monthly rate × 12 as APR. Cashback and rewards usually have caps, eligible categories, and terms.

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Check before you apply

UAEBanks.org is an independent research and comparison site, not a bank, broker, financial adviser, UAE government entity, or official bank representative. Fees, eligibility, rewards, offers, and approvals can change. Always verify the latest terms, Key Facts Statement, fees, and conditions with the official bank before applying.