There is no single best credit card for everyone. First remove cards you are unlikely to qualify for, then compare the yearly cost with the rewards you will really use.
What this means for you
A card can be strong for cashback, travel, or low fees but weak for another need. Salary eligibility, annual fee, borrowing cost, and reward conditions all matter.
A simple way to decide
- 1 Check salary
- 2 Compare yearly cost
- 3 Choose one useful benefit
Before you apply
- Use minimum salary as the first filter, not an approval promise.
- APR is the yearly borrowing rate if you carry a balance; paying in full normally avoids purchase interest.
- Check reward caps, spending categories, and expiry rules.
- 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.
United Arab BankUAB Platinum Credit CardThe bank publishes cashback categories or rates
- Salary
- AED 5,000
- Annual fee
- AED 0
- Cashback
- Grocery and supermarket cashback: 0% below AED 3,000 monthly spend, 3% from AED 3,000 to under AED 5,000, and 5% from AED 5,000 onwards
- Published reward
- Fuel cashback: 0% below AED 3,000 monthly spend, 3% from AED 3,000 to under AED 5,000, and 5% from AED 5,000 onwards
MashreqMashreq Cashback Credit CardThe published annual fee is zero or has a stated waiver
- Salary
- AED 5,000
- Annual fee
- AED 0
- Cashback
- 5% cashback on local and international dining spends
- Published reward
- 1% cashback on other international spends
First Abu Dhabi BankFAB ADNOC Rewards Credit CardThe published salary requirement is lower than many alternatives here
- Salary
- AED 5,000
- Annual fee
- AED 300
- Cashback
- 15% back on ADNOC spending including fuel
- Published reward
- 3% back on SALIK, DARB and Mawaqif
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
- Mashreq cards KFSMashreq · Key-facts-statement
- Mashreq credit cards schedule of chargesMashreq · Schedule-of-fees
- 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
- ADCB Credit Cards KFSAbu Dhabi Commercial Bank · Key-facts-statement
- ADCB Terms and ConditionsAbu Dhabi Commercial Bank · Terms-and-conditions
- ADIB Covered Cards KFSAbu Dhabi Islamic Bank · Key-facts-statement
- ADIB Covered Cards Schedule of ChargesAbu Dhabi Islamic Bank · Schedule-of-charges
- Dubai First Credit Cards KFSDubai First · Key-facts-statement
- Dubai First fees and chargesDubai First · Schedule-of-fees
