What type of credit card are you looking for?Discover Credit Cards to suit your needs.
Cash Back Credit Cards
- Unlimited, automatic cashback with no minimum spend
- Excellent rewards programme with travel, dining, retail and lifestyle offers and benefits
- 1% to 5% cashback on international spending
- Cashback earned is credited automatically every month
- No cashback earn caps and no minimum spend hurdles to qualify for cashback
Sky Miles Credit Cards
- Unlimited access to 850+ airport lounges worldwide for primary and supplementary cardholders
- Earn up to50,000 Bonus miles for spending AED 20,000 within 90 days depends uponcard issuance!
- Enjoy unmatched discounts, benefits and privileges across restaurants and retail stores with offers program
- No blackout dates, no cash payment for taxes nor surcharges
- Earn 1.5 to 3miles for every AED 1 spent
- Travel accident & medical insurance
Privilege Credit Cards- Golf Benefits
- Unlimited complimentary access to 850+ airport lounges worldwide for both Basic and Supplementary Card members
- Free golf once a month for both Basic and Supplementary
- Get complimentary rounds of golf
- Enjoy unmatched discounts, benefits and privileges across restaurants and retail stores with offers program
- UP to 15% off on listed marts and restaurants
- Get airport Pickup and drop off service complimentary
Cinema Credit Cards
- Get 2 for 1 movie tickets at VOX Cinemas
- 50% cashback on movies; 10% cashback on entertainment
- Get 3% cashback on supermarket & hypermarket purchases.
- Catch the latest Blockbuster before anyone else through Exclusive Invites to movie screenings
- Skip the Queues but not the Previews with dedicated Ticketing and F&B counters
Not sure which Creadit Card is right for you?
Tips and Tricks
If you are holding multiple credit cards you may be able to use balance transfer/Easy cash which allows you to take your credit card balance and move it to other bank credit card/account to pay the outstanding.
You are required to pay your credit card outstanding each month which are added up during your billing cycle (the period between bills). A user must aware about his credit card billing and due date.
When receiving your bill you should always pay your balances in full. When you don't your interest rates can get extremely high. You may find yourself paying much more than you expected at the end of the year. When you completely avoid paying on the due date and neglect even the minimum balance, severe costs are placed on your account and it will be that much more difficult to pay it off completely
If you do not pay your credit card bills you will be faced with damaging your credit history this will make it difficult for you to take further credits from banks such as personal loans etc.
Eligibility and Documentation
IBased upon Central Bank guide lines, you can only be offered a credit card to those that have a monthly income minimum AED 5000. But that is not all to get a credit card.
You are also required to have number of documents.
- Passport & Visa copy
- EID (Emirates ID)
- Salary Certificate / Bank Statement (For specific cases the bank may require additional documents.)
Interest and Fees
The interest rates vary on credit cards in UAE based on the bank that you choose and depends on your salary. It is usually around 2.75% - 3.25% which vary bank to bank.
There are annual fees that comes with credit cards. These fees are depends upon the cards category and features/benefits available on the cards. Though there are credit cards free for life also where you do not have to pay any annual fees.
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