UAE banking guide

Compare Credit Cards UAE

Compare UAE credit cards by salary, annual fee, cashback, rewards, lounge access, bank, and official source links.

FAB ADNOC Rewards Credit Card card image Mashreq Cashback Credit Card card image Amazon Platinum Covered Card card image U by Emaar Family Credit Card card image 365 Cashback Credit Card card image ADIB Booking Signature Card card image Dubai First Cashback Credit Card card image CBD Super Saver Credit Card card image RAKBANK RED Credit Card card image Citi Cash Back Credit Card card image SIB Cashback Covered Card card image LIFE Platinum Credit Card card image
Written by Nahid Perween

Dubai · Banking and Credit Cards Expert

The fastest way to compare UAE credit cards is to look at salary, annual fee, APR, cashback or rewards, lounge access, card network, and official source links together.

What this means for you

A card that looks strong on rewards can still be weak if the annual fee is high, the salary rule is above your income, or the benefit only works for spending you do not make.

A simple way to decide

  1. 1 Salary
  2. 2 Fee
  3. 3 Rewards
  4. 4 Source

Before you apply

  • Use the table below to sort by salary, annual fee, rewards, lounge access, and network.
  • Open the product page for official source links, PDF evidence, and extracted key facts.
  • If a bank page or key facts document does not clearly show a value, UAEBanks.org leaves that field blank instead of guessing.

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.

UAB Platinum Credit Card cardUnited Arab BankUAB Platinum Credit Card

The 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
View detailsOfficial pageKey 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.

Compare options

Cards in this guide

Select Product Bank Annual feeSalaryAPRCashback*RewardsNetwork Details
FAB ADNOC Rewards Credit Card product image FAB ADNOC Rewards Credit CardCashback · Lounge · Fuel First Abu Dhabi Bank AED 300AED 5,00047.88% APR
  • 15% back on ADNOC spending including fuel
  • 3% back on SALIK, DARB and Mawaqif
  • Cashback - 4.25% cashback on fuel, SALIK, DARB, Mawaqif, and lifestyle spends - cashbackRate: 4.25%
  • Credit card offering cashback, ADNOC rewards, airport lounge access, and a welcome bonus of AED 300 with a minimum salary of AED 5,000.
  • The FAB ADNOC Rewards Credit Card provides cashback on fuel and lifestyle spends, ADNOC reward points, airport lounge access, and a AED 300 welcome bonus.
  • Up to 15%
Cashback iconLounge iconFuel iconVisa Details
Mashreq Cashback Credit Card product image Mashreq Cashback Credit CardCashback · Dining · Low fee Mashreq AED 0AED 5,00046.2% APR
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
Cashback iconDining iconLow fee iconVisa Details
Amazon Platinum Covered Card product image Amazon Platinum Covered CardCashback · Lounge · Travel Emirates Islamic AED 0AED 5,00044.28% APR
  • Cashback
  • Enjoy unlimited cashback, and much more with the region's first Amazon card.
  • Lower-entry Amazon cashback card with cinema and lounge benefits.
  • The Emirates Islamic Amazon Platinum Covered Card offers cashback rewards, Amazon shopping benefits, airport lounge access, movie tickets, and various lifestyle discounts.
  • Up to Up to 6%
Cashback iconLounge iconTravel iconCinema iconIslamic iconLow fee iconMastercard Details
U by Emaar Family Credit Card product image U by Emaar Family Credit CardCashback · Lounge · Dining Emirates NBD AED 0AED 5,00044.28% APR
  • It provides up to 5% cashback, discounts, and exclusive benefits tailored for families and Emaar property owners.
Cashback iconLounge iconDining iconTravel iconCinema iconLow fee iconVisa Details
365 Cashback Credit Card product image 365 Cashback Credit CardCashback · Lounge · Dining Abu Dhabi Commercial Bank FreeAED 8,00044.28% APR
  • Up to 6% cashback on everyday spends
  • Up to AED 1,000 monthly cashback
  • 3% cashback on utilities, fuel & telco
  • 6% cashback on dining
  • 1% cashback on all other spends
  • Automatic credit of cashback on monthly statement
Cashback iconLounge iconDining iconGroceries iconFuel iconTravel iconCinema iconIslamic iconVisa Details
ADIB Booking Signature Card product image ADIB Booking Signature CardCashback · Miles · Lounge Abu Dhabi Islamic Bank AED 299AED 5,00045.63% APR
  • com Visa Signature Card from ADIB provides 4% cashback, airport lounge access, and miles rewards.
Cashback iconMiles iconLounge iconTravel iconIslamic iconLow fee iconVisa Details
Dubai First Cashback Credit Card product image Dubai First Cashback Credit CardCashback · Lounge · Dining Dubai First First year free; subsequent fee is listed in the current schedule of chargesAED 5,00047.88% APR
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • A Dubai First credit card with category cashback and a published AED 5,000 minimum salary requirement.
Cashback iconLounge iconDining iconGroceries iconFuel iconLow fee iconMastercard Details
CBD Super Saver Credit Card product image CBD Super Saver Credit CardCashback · Travel Commercial Bank of Dubai AED 420AED 5,00046.2% APR
  • Up to 10% cashback on bills, education, supermarkets, and fuel
  • Up to 10% cashback every month on select categories
  • Up to AED 600 a month cashback cap on the official product page
  • Official cashback grid linked for category and cap details
  • CBD Super Saver Credit Card focused on category cashback with first-year fee waiver and Visa travel companion benefits.
  • Manual review of CBD's product page and the December 2025 CBD conventional credit-card KFS confirms that Super Saver is a cashback-led card with first-year fee waiver, category cashback messaging around bills, education, supermarkets, and fuel, and the same CBD-standard APR and fee schedule as the other conventional cards in the bank's range.
Cashback iconTravel iconVisa Details
RAKBANK RED Credit Card product image RAKBANK RED Credit CardCashback · Travel · Low fee RAKBANK AED 0AED 5,00043.8% APR
  • 1% cashback on retail spend between AED 1,000 and AED 2,999 per month
  • 1.5% cashback on retail spend above AED 3,000 per month
  • 0.25% cashback on charities, education, government, fuel, telecom, transport, real estate and related special categories capped at AED 50 per month
  • Maximum cashback per month is AED 300
  • cashback - Up to 1.5% cashback on local & international spends - up to 1.5% cashback on local & international spends
  • Cashback: Minimum monthly salary AED 5,000. Enjoy a free-for-life cashback credit card, great rewards, and up to 1.5% cashback on local & international spends. Get up to AED 300 cashback per month and 1 free monthly international transfer.
Cashback iconTravel iconLow fee iconMastercard Details
Citi Cash Back Credit Card product image Citi Cash Back Credit CardCashback · Lounge · Groceries Citibank UAE AED 300AED 8,00042% APR
  • 3% cashback on non-AED spend
  • 2% cashback on grocery spend
  • 1% cashback on all other spend
  • No minimum spend, no retail purchases excluded, no caps up to monthly credit limit
  • Automatic cashback with 3% on non-AED 2% on grocery 1% on all other spend
  • Citi Cashback Credit Card from Citi UAE with AED 300 annual fee and AED 8,000 minimum salary.
Cashback iconLounge iconGroceries iconTravel iconMastercard World Details
SIB Cashback Covered Card product image SIB Cashback Covered CardCashback · Lounge · Groceries Sharjah Islamic Bank AED 199AED 5,00041.88% APR
  • 10% cashback on online purchases, saved cards on websites and apps, Samsung Wallet, and Apple Pay locally and internationally, excluding utility, telecom, government, supermarket, hypermarket, and education payments; monthly cap AED 300
  • 2% cashback on international retail spends made outside the UAE in foreign currency; no cap
  • 1% cashback on domestic retail spends made in the UAE; no cap
  • 0.5% cashback on utility, telecom, government, supermarket, hypermarket, and education payments made inside or outside the UAE, excluding online and mobile-banking transactions; no cap
  • SIB Cashback Covered Card is a Sharia-compliant cashback card with 10% cashback on online and wallet spend, 2% on international retail, 1% on domestic retail, and 0.
  • The SIB Cashback Covered Card provides 10% cashback on eligible purchases, access to airport lounges, and is Mastercard compatible.
Cashback iconLounge iconGroceries iconTravel iconIslamic iconLow fee iconMastercard Details
LIFE Platinum Credit Card product image LIFE Platinum Credit CardCashback · Lounge · Low fee Ajman Bank Free for LifeAED 10,00045.6% APR
  • 10% cashback on online merchants such as Amazon, Noon, and Careem with a monthly cap of AED 50
  • 5% cashback on dine-in at restaurants with a monthly cap of AED 50
  • 1% cashback on all other spends
  • Up to 10% online merchants; 5% dine-in; 1% all other spends
Cashback iconLounge iconLow fee icon 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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Comparison table

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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.