In a country where financial innovation meets luxury living, choosing the right credit card in the UAE can unlock access to exclusive perks, cashback rewards, and zero annual fees. Whether you're an expat new to Dubai, a seasoned resident, or a savvy shopper seeking optimized spending benefits, finding the best credit card tailored to your lifestyle can significantly enhance your financial journey.
This 2025 guide breaks down the best credit cards in the UAE, comparing their features, rewards, fees, and eligibility—so you can make the smartest choice.
Why Choosing the Right Credit Card in the UAE Matters
The UAE offers a dynamic banking environment, with major institutions like Emirates NBD, Abu Dhabi Commercial Bank (ADCB), Mashreq, First Abu Dhabi Bank (FAB), and international players like HSBC competing with innovative features and rewards. Credit cards in the UAE can give you:
- Airport lounge access across the Middle East and beyond
- Cashback on groceries, fuel, and international spends
- Skywards Miles, Etihad Guest Miles, or reward points
- No annual fees and extended grace periods
- 0% interest installment plans for large purchases
Choosing the right card means maximizing these benefits without paying unnecessary fees.
1. Emirates NBD Lulu 247 Mastercard Credit Card
Best for: Grocery shoppers & daily cashback
- Annual Fee: Free for life
- Cashback:
- Up to 7% at LuLu stores and online
- Up to 4% on fuel
- Up to 2% on utility bills
- Up to 0.7% on other spends
- Lounge Access: Access to over 10 regional airport lounges
- Other perks: Priority checkout, early access to LuLu promotions, free shipping on LuLu online
- Income Requirement: Not specified
This card is ideal for families and everyday spenders, especially those who frequently shop at LuLu Hypermarkets.
2. ADCB SimplyLife Cashback Credit Card
Best for: No-fuss cashback with low income requirement
- Annual Fee: Free for life
- Cashback: 1% flat on all purchases (minimum AED 1,000 monthly spend required)
- Additional Perks: Cinema ticket discounts, complimentary airport lounge access
- Income Requirement: AED 5,000/month
Perfect for those looking for a straightforward rewards structure with low eligibility barriers.
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3. Mashreq Platinum Elite Credit Card
Best for: Frequent travelers & lifestyle benefits
- Annual Fee: AED 650 (waived upon meeting spending threshold)
- Rewards: Salaam Points on all spending
- Travel Benefits: Free travel insurance, airport lounge access (minimum monthly spend AED 7,000), valet parking
- Extra Perks: Fitness First visits, cinema discounts
- Income Requirement: Not specified
This card suits mid-to-high income earners who value travel and lifestyle perks.
4. HSBC Live+ Credit Card (Previously Cashback Card)
Best for: Everyday spending with updated cashback structure
- Annual Fee: Free for life
- Cashback:
- 6% on dining
- 5% on fuel
- 2% on groceries, education, entertainment
- 0.5% on other spends
- Travel Benefits: Access to Visa Premium benefits
- Income Requirement: AED 5,000/month
Rebranded from the earlier HSBC Cashback Card, the Live+ card offers an upgraded reward model for active users.
5. FAB Infinite Credit Card
Best for: Premium rewards & travel perks
- Annual Fee: AED 2,500
- Rewards: Etihad Guest Miles or FAB Rewards
- Perks: Unlimited lounge access, up to USD 150 Uber airport credit per year, no foreign transaction fees
- Other Benefits: Travel insurance, concierge service
- Income Requirement: Not specified
If you're a frequent flyer or premium traveler, this card provides high-value returns and elite services.
What to Look for When Choosing a Credit Card in the UAE
When comparing the best credit cards in UAE, keep these key factors in mind:
- Annual Fee: Is it waived based on usage or permanently free?
- Minimum Income Requirement: Varies by bank; expats should check eligibility
- Rewards Program: Are points redeemable locally or internationally?
- Cashback Caps: Is there a monthly limit?
- Foreign Transaction Fees: Important for expats and frequent travelers
- Additional Perks: Lounge access, valet parking, entertainment discounts
UAE-Specific Credit Card Tips
- Always compare cards across multiple banks; rates and offers change frequently.
- Many cards offer joining bonuses—make sure to apply during promotion periods.
- Salary transfer relationships with banks often yield better card offers.
- Avoid late payments to maintain your AECB credit score (used by UAE banks).
How to Apply for a Credit Card in the UAE
Most banks allow online applications, but here’s what you typically need:
- Valid Emirates ID
- Passport & residency visa copy
- Salary certificate or pay slip
- Bank statement (3–6 months)
Approval times can vary from a few hours to several days, depending on the bank and your credit profile.
Final Thoughts
Whether you're a frequent flyer, a cashback maximizer, or just need a basic no-fee option, the best credit cards in the UAE for 2025 offer something for everyone. As financial products grow smarter and more personalized, choosing a credit card aligned with your lifestyle and financial goals can lead to savings, convenience, and premium perks.
Keep your spending patterns and future plans in mind—and always read the fine print before signing.