Abu Dhabi Commercial Bank
Betaqti Credit Card
- Salary
- AED 10,000
- Fee
- AED 2,100
- Reward
- rewards
Card comparison
Betaqti Credit Card vs Skywards Signature Credit Card vs Flex Elite Covered Card vs Skywards Infinite Credit Card
Compare Betaqti Credit Card from Abu Dhabi Commercial Bank, Skywards Signature Credit Card from Emirates Islamic, Flex Elite Covered Card from Emirates…
Abu Dhabi Commercial Bank
Betaqti Credit Card
Emirates Islamic
Skywards Signature Credit Card
- Salary
- AED 12,000
- Fee
- AED 735
- Reward
- Skywards Miles
Emirates Islamic
Flex Elite Covered Card
- Salary
- AED 15,000
- Fee
- AED 735
- Reward
- EI SmartMiles
Emirates Islamic
Skywards Infinite Credit Card
- Salary
- AED 25,000
- Fee
- AED 2,100
- Reward
- Skywards Miles
Side by side
Compare key facts
Betaqti Credit CardAbu Dhabi Commercial BankSkywards Signature Credit CardEmirates IslamicFlex Elite Covered CardEmirates IslamicSkywards Infinite Credit CardEmirates Islamic
Rewards
Reward details
Betaqti Credit Card
TouchPoints - Up to 3 TouchPoints on all your spends- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Skywards Infinite Credit Card
- Skywards Miles - Up to 2 Miles per USD - Earn up to 2 Skywards Miles per USD spent
- Miles
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
- Low fee
Eligibility
Minimum Salary
Betaqti Credit CardAED 10,000↓
Skywards Signature Credit CardAED 12,000•
Flex Elite Covered CardAED 15,000•
Skywards Infinite Credit CardAED 25,000↑
Salary Transfer Required
Betaqti Credit CardNo
Skywards Signature Credit CardNot listed
Flex Elite Covered CardNot listed
Skywards Infinite Credit CardNot listed
Required Documents
Betaqti Credit Card
Valid Emirates ID - Must be valid and current- Proof of income - Latest salary certificate or proof of employment - proof of income
- Bank statements - Latest 3 months bank statements
Skywards Signature Credit Card
- Salary Certificate / Payslip - Proof of income - minimumSalary: AED 12,000
- Valid Emirates ID - Proof of identity
- Bank Statements - Latest 3 months - sourceDocuments include bank statements
Flex Elite Covered Card
- Proof of salary - Latest salary certificate or payslips - Proof of salary: latest salary certificate or payslips
- Identity proof - Valid Emirates ID or passport
- Address proof - Utility bill or tenancy contract
Skywards Infinite Credit Card
- Valid Emirates ID - Proof of identity
- Salary Certificate - Proof of income - Minimum salary AED 25,000
- Passport - Proof of nationality - A valid passport
- Bank Statements - Last 3 months - Latest 3 months bank statements
Fees and rates
Annual Fee
Betaqti Credit CardAED 2,100↑
Skywards Signature Credit CardAED 735↓
Flex Elite Covered CardAED 735↓
Skywards Infinite Credit CardAED 2,100↑
First Year Annual Fee
Betaqti Credit CardNot listed
Skywards Signature Credit CardAED 0•
Flex Elite Covered CardAED 0•
Skywards Infinite Credit CardAED 0•
Foreign Transaction Fee
Betaqti Credit Card2.99%↑
Skywards Signature Credit Card2.34%↓
Flex Elite Covered Card2.34%↓
Skywards Infinite Credit Card2.34%↓
APR
Betaqti Credit Card44.28% APR•
Skywards Signature Credit Card44.28% APR•
Flex Elite Covered Card44.28% APR•
Skywards Infinite Credit Card44.28% APR•
Cash Advance Fee
Betaqti Credit CardNot listed
Skywards Signature Credit CardAED 3.15•
Flex Elite Covered CardAED 3.15•
Skywards Infinite Credit CardAED 3.15•
Cashback and rewards
Rewards
Betaqti Credit Card
TouchPoints - Up to 3 TouchPoints on all your spends- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Skywards Infinite Credit Card
- Skywards Miles - Up to 2 Miles per USD - Earn up to 2 Skywards Miles per USD spent
- Miles
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
- Low fee
Reward Rate
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Skywards Infinite Credit Card
- Skywards Miles - Up to 2 Miles per USD - Earn up to 2 Skywards Miles per USD spent
- Miles
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
- Low fee
Welcome Bonus
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Skywards Infinite Credit Card
- Skywards Miles - Up to 2 Miles per USD - Earn up to 2 Skywards Miles per USD spent
- Miles
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
- Low fee
Travel
Airport Lounge Access
Betaqti Credit Cardmentioned
Skywards Signature Credit Cardmentioned
Flex Elite Covered CardUnlimited access to 1,200+ lounges worldwide•
Skywards Infinite Credit CardUnlimited access to 1,200+ lounges with a guest•
Travel Insurance
Betaqti Credit Cardmentioned
Skywards Signature Credit CardNot listed
Flex Elite Covered CardNot listed
Skywards Infinite Credit CardNot listed
Valet Parking
Betaqti Credit CardNot listed
Skywards Signature Credit Card1 complimentary valet parking service per month
Flex Elite Covered CardNot listed
Skywards Infinite Credit CardNot listed
Card Network
Betaqti Credit CardMastercard
Skywards Signature Credit CardVisa
Flex Elite Covered CardVisa
Skywards Infinite Credit CardVisa
Lifestyle
Concierge
Betaqti Credit Cardmentioned
Skywards Signature Credit CardNot listed
Flex Elite Covered CardNot listed
Skywards Infinite Credit CardNot listed
Card type
Sharia Compliant
Betaqti Credit CardNo
Skywards Signature Credit CardYes
Flex Elite Covered CardYes
Skywards Infinite Credit CardYes
Islamic
Betaqti Credit CardNo
Skywards Signature Credit CardYes
Flex Elite Covered CardYes
Skywards Infinite Credit CardYes
Other useful facts
Minimum Credit Limit
Betaqti Credit CardAED 20,000
Skywards Signature Credit CardNot listed
Flex Elite Covered CardNot listed
Skywards Infinite Credit CardNot listed
APR
Betaqti Credit Card44.28%•
Skywards Signature Credit Card44.28%•
Flex Elite Covered Card44.28%•
Skywards Infinite Credit Card44.28%•
Monthly purchase rate
Betaqti Credit Card3.69%
Skywards Signature Credit CardNot listed
Flex Elite Covered CardNot listed
Skywards Infinite Credit CardNot listed
Movie Benefit
Betaqti Credit CardBuy1-Get1 free at VOX cinemas
Skywards Signature Credit CardReel Cinemas
Flex Elite Covered CardRoxy Cinemas
Skywards Infinite Credit CardMovie Offers
Minimum Payment
Betaqti Credit Card5% or AED 100, whichever is higher
Skywards Signature Credit Card5% of closing balance outstanding or AED 100, whichever is higher
Flex Elite Covered Card5% of closing balance outstanding or AED 100, whichever is higher
Skywards Infinite Credit Card5% of closing balance outstanding or AED 100, whichever is higher
Welcome Bonus Touch Points
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Skywards Infinite Credit Card
- Skywards Miles - Up to 2 Miles per USD - Earn up to 2 Skywards Miles per USD spent
- Miles
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
- Low fee
Touch Points Transfer
Betaqti Credit Card
- TouchPoints - Up to 3 TouchPoints on all your spends
- Welcome Offer - welcomeOffer: 300,000 complimentary TouchPoints worth AED 1,800
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Skywards Signature Credit Card
- Skywards Miles - Earn up to 1.5 Skywards Miles per USD spent
- Miles
- Lounge
- Travel
- Cinema
- Islamic
- Low fee
Flex Elite Covered Card
- up to 3.75 EI SmartMiles per AED 1 - Up to 3.75 EI SmartMiles per AED 1 spend
- 75,000 EI SmartMiles + 100,000 EI SmartMiles - Earn up to AED 1,750 in EI SmartMiles with two bonus opportunities: receive 75,000 EI SmartMiles (worth AED 750) upon payment of AED 700 AMF, and an additional 100,000 EI SmartMiles (worth AED 1,000) on spends of AED 20,000 or more within 60 days of card open date
- Cashback
- Miles
- Lounge
- Travel
- Cinema
- Islamic
Skywards Infinite Credit Card
- Skywards Miles - Up to 2 Miles per USD - Earn up to 2 Skywards Miles per USD spent
- Miles
- Lounge
- Groceries
- Travel
- Cinema
- Islamic
- Low fee
Lounge Access Availability
Betaqti Credit Cardbest effort basis
Skywards Signature Credit CardNot listed
Flex Elite Covered CardNot listed
Skywards Infinite Credit CardNot listed
EligibilityFees & ratesCashback & rewardsTravelLifestyleCard typeOther useful facts
| Field | Betaqti Credit CardAbu Dhabi Commercial Bank | Skywards Signature Credit CardEmirates Islamic | Flex Elite Covered CardEmirates Islamic | Skywards Infinite Credit CardEmirates Islamic |
|---|---|---|---|---|
| Rewards | ||||
| Reward details |
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| Eligibility | ||||
| Minimum Salary | AED 10,000↓ | AED 12,000• | AED 15,000• | AED 25,000↑ |
| Salary Transfer Required | No | Not listed | Not listed | Not listed |
| Required Documents |
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| Fees and rates | ||||
| Annual Fee | AED 2,100↑ | AED 735↓ | AED 735↓ | AED 2,100↑ |
| First Year Annual Fee | Not listed | AED 0• | AED 0• | AED 0• |
| Foreign Transaction Fee | 2.99%↑ | 2.34%↓ | 2.34%↓ | 2.34%↓ |
| APR | 44.28% APR• | 44.28% APR• | 44.28% APR• | 44.28% APR• |
| Cash Advance Fee | Not listed | AED 3.15• | AED 3.15• | AED 3.15• |
| Cashback and rewards | ||||
| Rewards |
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| Reward Rate |
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| Welcome Bonus |
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| Travel | ||||
| Airport Lounge Access | mentioned | mentioned | Unlimited access to 1,200+ lounges worldwide• | Unlimited access to 1,200+ lounges with a guest• |
| Travel Insurance | mentioned | Not listed | Not listed | Not listed |
| Valet Parking | Not listed | 1 complimentary valet parking service per month | Not listed | Not listed |
| Card Network | Mastercard | Visa | Visa | Visa |
| Lifestyle | ||||
| Concierge | mentioned | Not listed | Not listed | Not listed |
| Card type | ||||
| Sharia Compliant | No | Yes | Yes | Yes |
| Islamic | No | Yes | Yes | Yes |
| Other useful facts | ||||
| Minimum Credit Limit | AED 20,000 | Not listed | Not listed | Not listed |
| APR | 44.28%• | 44.28%• | 44.28%• | 44.28%• |
| Monthly purchase rate | 3.69% | Not listed | Not listed | Not listed |
| Movie Benefit | Buy1-Get1 free at VOX cinemas | Reel Cinemas | Roxy Cinemas | Movie Offers |
| Minimum Payment | 5% or AED 100, whichever is higher | 5% of closing balance outstanding or AED 100, whichever is higher | 5% of closing balance outstanding or AED 100, whichever is higher | 5% of closing balance outstanding or AED 100, whichever is higher |
| Welcome Bonus Touch Points |
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| Touch Points Transfer |
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| Lounge Access Availability | best effort basis | Not listed | Not listed | Not listed |
Compare options
Top Credit Cards to compare
| Select | Product | Bank | Annual fee | Salary | APR | Cashback | Rewards | Network | Details |
|---|---|---|---|---|---|---|---|---|---|
|
Betaqti Credit CardMiles · Lounge · Travel
|
Abu Dhabi Commercial Bank | AED 2,100 | AED 10,000 | 44.28% APR | Not listed |  Miles Lounge Travel Cinema Islamic Low fee | Mastercard | Details | |
|
Skywards Signature Credit CardMiles · Lounge · Travel
|
Emirates Islamic | AED 735 | AED 12,000 | 44.28% APR | Up to 1.5 Skywards Miles per USD spent | MilesLoungeTravelCinemaIslamicLow fee | Visa | Details | |
|
Flex Elite Covered CardCashback · Miles · Lounge
|
Emirates Islamic | AED 735 | AED 15,000 | 44.28% APR | AED 3.75 | CashbackMilesLoungeTravelCinemaIslamicLow fee | Visa | Details | |
|
Skywards Infinite Credit CardMiles · Lounge · Groceries
|
Emirates Islamic | AED 2,100 | AED 25,000 | 44.28% APR | Up to 2 Skywards Miles per USD spent | MilesLounge GroceriesTravelCinemaIslamicLow fee | 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.
Important
UAEBanks.org is independent research, not a bank or financial adviser. Card fees, eligibility, rewards, offers, and approvals can change. Always verify the latest Key Facts Statement, fees, and terms with the bank before applying.
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