UAE
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All UAE credit cards

Tarjih lists 174 cards from 14 UAE banks. Annual fees include 5% VAT wherever the bank makes the basis clear, and rates are monthly, as the banks publish them. Islamic cards that charge a fixed monthly fee show that amount instead.

Checked against the bank's own pages on 27 Sep 2026
174 of 174 cards
CBD One Credit CardCBD
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.85%
Foreign fee3.5%
Up to AED 135 cashback every month at selected merchants
du Credit CardFAB
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.99%
Foreign fee2.61%
15% back in FAB Rewards on du spending
Emarati Credit CardEmirates Islamic · Islamic
Annual feeFree
Min. salaryNot published
Monthly rate3.59%
Foreign fee2.3%
Up to 3.75 EI SmartMiles per AED on international spend
FAB SHARE Platinum Credit CardFAB
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.99%
Foreign fee2.61%
4% back in SHARE points at Carrefour, MoE/City Centre malls and MAF experiences
Flex Credit CardEmirates Islamic · Islamic
Annual feeFree
Min. salaryNot published
Monthly rate3.69%
Foreign fee2.54%
Up to 2.25 EI SmartMiles per AED on international spend
HSBC Advance Credit CardHSBC UAE
Annual feeFree
Min. salaryNot published
Monthly rate3.69%
Foreign feeNot published
1 HSBC Rewards Point per AED 1 spent
HSBC Premier Credit CardHSBC UAE
Annual feeFree
Min. salaryNot published
Monthly rate3.69%
Foreign feeNot published
1 HSBC Rewards Point per AED 1 spent
Mashreq Aura Credit CardMashreq
Annual feeFree
Min. salaryNot published
Monthly rate3.85%
Foreign fee2.89%
Up to 8% back on Aura brands in the UAE
Mashreq noon Credit CardMashreq
Annual feeFree
Min. salaryNot published
Monthly rate3.85%
Foreign fee2.89%
5% cashback on noon, noon Food, noon Minutes, Namshi
Prime Classic CardDubai Islamic Bank · Islamic
Annual feeFree
Min. salaryNot published
Monthly rate3.69%
Foreign fee3.7%
0.5 Wala'a per AED 1; 0.8 on foreign currency spends
Prime Gold CardDubai Islamic Bank · Islamic
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.69%
Foreign fee3.7%
0.6 Wala'a per AED 1; 1 on foreign currency spends
Prime Infinite CardDubai Islamic Bank · Islamic
Annual feeFree
Min. salaryAED 20,000
Monthly rate3.69%
Foreign fee3.7%
3.0 Wala'a per AED 1; 3.5 on foreign currency spends
Prime Platinum CardDubai Islamic Bank · Islamic
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.69%
Foreign fee3.7%
2.0 Wala'a per AED 1; 2.2 on foreign currency spends
Prime Signature CardDubai Islamic Bank · Islamic
Annual feeFree
Min. salaryAED 15,000
Monthly rate3.69%
Foreign fee3.7%
2.5 Wala'a per AED 1; 3.0 on foreign currency spends
RED Credit CardRAKBANK
Annual feeFree
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
Up to 1.5% cashback on local and international spends
RTA Credit CardEmirates Islamic · Islamic
Annual feeFree
Min. salaryNot published
Monthly rate3.69%
Foreign fee2.54%
10% cashback on RTA transport and fuel
Smiles Titanium MastercardSharjah Islamic Bank · Islamic
Annual feeFree
Min. salaryAED 5,000
Monthly rate2.49%
Foreign fee2.5%
2 Smiles per AED 2 spent internationally
talabat ADCB Credit CardADCB
Annual feeFree
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
35% back as talabat credit on first 10 talabat orders a month
talabat ADCB Islamic CardADCB · Islamic
Annual feeFree
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
35% back as talabat credit on first 10 talabat orders a month
Titanium Credit CardRAKBANK
Annual feeFree
Min. salaryAED 8,000
Monthly rateNot published
Foreign feeNot published
Up to 5% cashback on supermarket and dining spends
Watani Credit CardRAKBANK · Islamic
Annual feeFree
Min. salaryNot published
Monthly rateNot published
Foreign feeNot published
100% cashback on Salik and DARB
ADIB Cashback Visa Covered CardADIB · Islamic
Annual feeAED 103.95incl. VAT
Min. salaryNot published
Monthly rate3.75%
Foreign fee2.3%
4% cashback on groceries, fuel, education, dining and utilities
ADIB Exceed Visa Covered CardADIB · Islamic
Annual feeAED 103.95incl. VAT
Min. salaryNot published
Monthly rate3.75%
Foreign fee2.3%
1.0 Exceed Rewards per AED 100 spent internationally
Go4it Gold Credit CardEmirates NBD
Annual feeAED 103.95incl. VAT
Min. salaryNot published
Monthly rate3.49% or 3.69%
Foreign fee1.99%
5 Plus Points per AED 200 on RTA public transport
FAB Z CardFAB
Annual feeAED 105incl. VAT
Min. salaryAED 5,000
Monthly rate1.99%
Foreign fee0%
Up to 1 FAB Reward per AED 1
Cashback CardSharjah Islamic Bank · Islamic
Annual feeAED 199incl. VAT
Min. salaryAED 5,000
Monthly rate3.49%
Foreign fee2.5%
10% cashback on online and digital-wallet spends
ADIB SHARE Visa Platinum CardADIB · Islamic
Annual feeAED 208.95incl. VAT
Min. salaryNot published
Monthly rate3.75%
Foreign fee2.3%
3% back in SHARE points at Carrefour and MAF malls
DIB SHAMS Platinum Covered CardDubai Islamic Bank · Islamic
Annual feeAED 208.95incl. VAT
Min. salaryNot published
Monthly rate3.69%
Foreign fee3.7%
10 Wala'a rewards per AED 1 on dining and travel
Etihad Guest Platinum CardEmirates Islamic · Islamic
Annual feeAED 208.95incl. VAT
Min. salaryNot published
Monthly rate3.69%
Foreign fee2.54%
2 Etihad Guest Miles per USD on online and mobile wallet spend
Go4it Platinum Credit CardEmirates NBD
Annual feeAED 208.95incl. VAT
Min. salaryNot published
Monthly rate3.49% or 3.69%
Foreign fee1.99%
5 Plus Points per AED 200 on RTA public transport
Consumer Cashback Reward CardDubai Islamic Bank · Islamic
Annual feeAED 210incl. VAT
Min. salaryAED 5,000
Monthly rate3.69%
Foreign fee3.7%
3% cashback on supermarkets, school fees, fuel, utilities, telecom, auto servicing, Salik/Nol
Consumer Cashback Platinum CardDubai Islamic Bank · Islamic
Annual feeAED 261.45incl. VAT
Min. salaryAED 15,000
Monthly rate3.69%
Foreign fee3.7%
4% cashback on supermarkets, school fees, fuel, utilities, telecom, auto servicing, Salik/Nol
Shukran ADCB Credit CardADCB
Annual feeAED 262.5incl. VAT
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
10% back as Shukrans at Shukran brands
Shukran ADCB Islamic CardADCB · Islamic
Annual feeAED 262.5incl. VAT
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
10% back as Shukrans at Shukran brands
Cashback Plus Credit CardEmirates Islamic · Islamic
Annual feeAED 313.95incl. VAT
Min. salaryNot published
Monthly rate3.69%
Foreign fee2.54%
Up to 10% cashback on supermarkets, education, dining, telecom
HSBC Live+ Credit CardHSBC UAE
Annual feeAED 313.95incl. VAT
Min. salaryAED 12,500
Monthly rate3.69%
Foreign feeNot published
6% dining, 5% fuel, 2% groceries & entertainment
Platinum Plus Credit CardMashreq
Annual feeAED 313.95incl. VAT
Min. salaryAED 5,000
Monthly rate3.85%
Foreign fee2.89%
10 Vantage points per AED on supermarket, fuel and dining
Blue FAB Islamic Credit CardFAB · Islamic
Annual feeAED 315incl. VAT
Min. salaryAED 15,000
Monthly rateNot published
Foreign fee2.61%
10% cashback in Al-Futtaim FAB Rewards at Al-Futtaim retail brands
Citi Cash Back Credit CardCitibank UAE
Annual feeAED 315incl. VAT
Min. salaryAED 8,000
Monthly rate3.69%
Foreign fee2.99%
3% non-AED, 2% grocery, 1% everything else
Citi Rewards Credit CardCitibank UAE
Annual feeAED 315incl. VAT
Min. salaryAED 8,000
Monthly rate3.69%
Foreign fee2.99%
1.5 ThankYou Points per USD 1 on grocery & non-AED spend
FAB Cashback Credit CardFAB
Annual feeAED 315incl. VAT
Min. salaryAED 5,000
Monthly rate3.99%
Foreign fee2.61%
5% cashback on fashion shopping and dining
FAB Cashback Islamic Credit CardFAB · Islamic
Annual feeAED 315incl. VAT
Min. salaryAED 5,000
Monthly rateNot published
Foreign fee2.61%
5% cashback on groceries, fuel and dining
Voyager World Credit CardEmirates NBD
Annual feeAED 315incl. VAT
Min. salaryAED 12,000
Monthly rate3.49% or 3.69%
Foreign fee1.99%
6 Voyager Miles per AED 1 on Voyager Travel Portal
Cashback Credit CardEmirates Islamic · Islamic
Annual feeAED 367.5incl. VAT
Min. salaryNot published
Monthly rate3.69%
Foreign fee2.54%
5% cashback on telecom and electronics
ADCB Islamic 365 Cashback CardADCB · Islamic
Annual feeAED 383.25incl. VAT
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
6% cashback on dining
FAB GEMS World Credit CardFAB
Annual feeAED 418.95incl. VAT
Min. salaryAED 8,000
Monthly rate3.99%
Foreign fee2.61%
Save up to 3% on school fees
CBD Al Islami Super Saver Credit CardCBD · Islamic
Annual feeAED 420incl. VAT
Min. salaryNot published
Monthly rate3.45%
Foreign fee2.75%
Cashback on B.E.S.T categories (bills, education, supermarket, transport)
DIB SHAMS Signature Covered CardDubai Islamic Bank · Islamic
Annual feeAED 523.95incl. VAT
Min. salaryNot published
Monthly rate3.69%
Foreign fee3.7%
10 Wala'a rewards per AED 1 on dining and travel
dnata Platinum Credit CardEmirates NBD
Annual feeAED 525incl. VAT
Min. salaryNot published
Monthly rate3.49% or 3.69%
Foreign fee1.99%
dnata points on retail, flights and holidays
FAB SHARE Signature Credit CardFAB
Annual feeAED 525incl. VAT
Min. salaryAED 10,000
Monthly rate3.99%
Foreign fee2.61%
6% back in SHARE points at Carrefour, MoE/City Centre malls and MAF experiences
Smiles World MastercardSharjah Islamic Bank · Islamic
Annual feeAED 525incl. VAT
Min. salaryAED 5,000
Monthly rate2.49%
Foreign fee2.5%
3 Smiles per AED 2 spent internationally
FAB Emirati Islamic Credit CardFAB · Islamic
Annual feeAED 630incl. VAT
Min. salaryAED 15,000
Monthly rateNot published
Foreign fee2.61%
15 FAB Islamic Rewards per AED 1 at beauty and fragrance stores
DIB SHAMS Infinite Covered CardDubai Islamic Bank · Islamic
Annual feeAED 733.95incl. VAT
Min. salaryNot published
Monthly rate3.69%
Foreign fee3.7%
10 Wala'a rewards per AED 1 on dining and travel
Etihad Guest Ameera CardEmirates Islamic · Islamic
Annual feeAED 733.95incl. VAT
Min. salaryNot published
Monthly rate3.69%
Foreign fee2.54%
3 Etihad Guest Miles per USD on Etihad Airways
Smiles World Elite MastercardSharjah Islamic Bank · Islamic
Annual feeAED 733.95incl. VAT
Min. salaryAED 5,000
Monthly rate2.49%
Foreign fee2.5%
3 Smiles per AED 2 spent internationally
Flex Elite Covered CardEmirates Islamic · Islamic
Annual feeAED 735incl. VAT
Min. salaryNot published
Monthly rate3.69%
Foreign fee2.54%
Up to 3.75 EI SmartMiles per AED on international spend
Visa Flexi Credit CardEmirates NBD
Annual feeAED 735incl. VAT
Min. salaryNot published
Monthly rate3.49% or 3.69%
Foreign fee1.99%
Up to 1.5 Plus Points per AED 100
Citi Premier Credit CardCitibank UAE
Annual feeAED 787.5incl. VAT
Min. salaryAED 15,000
Monthly rate3.69%
Foreign fee2.99%
3 ThankYou Points per USD 1 on dining, fuel & grocery
Duo Credit CardEmirates NBD
Annual feeAED 840incl. VAT
Min. salaryNot published
Monthly rate3.49% or 3.69%
Foreign fee1.99%
Etihad Guest Saqer CardEmirates Islamic · Islamic
Annual feeAED 943.95incl. VAT
Min. salaryNot published
Monthly rate3.69%
Foreign fee2.54%
3 Etihad Guest Miles per USD on Etihad Airways
ADCB Emirati Islamic Credit CardADCB · Islamic
Annual feeAED 945incl. VAT
Min. salaryAED 8,000
Monthly rateNot published
Foreign feeNot published
7% cashback on airline, hotels, fuel, dining, jewellery, spas/salons and gyms
ADIB SHARE Visa Infinite CardADIB · Islamic
Annual feeAED 1,048.95incl. VAT
Min. salaryNot published
Monthly rate3.75%
Foreign fee2.3%
6% back in SHARE points at Carrefour and MAF malls/experiences
dnata World Credit CardEmirates NBD
Annual feeAED 1,048.95incl. VAT
Min. salaryNot published
Monthly rate3.25%
Foreign fee0%
Up to 10% dnata points on flights and holidays
ADIB Etihad Guest Visa Gold CardADIB · Islamic
Annual feeAED 1,050incl. VAT
Min. salaryNot published
Monthly rate3.75%
Foreign fee2.3%
Up to 1.5 Etihad Guest Miles per AED 4
FAB SHARE Infinite Credit CardFAB
Annual feeAED 1,050incl. VAT
Min. salaryAED 25,000
Monthly rate3.99%
Foreign fee2.61%
8% back in SHARE points at Carrefour, MoE/City Centre malls and MAF experiences
HSBC Cash+ Credit CardHSBC UAE
Annual feeAED 1,050incl. VAT
Min. salaryAED 30,000
Monthly rate3.69%
Foreign feeNot published
1% cashback on all purchases, uncapped
FAB Elite Credit CardFAB
Annual feeAED 1,260incl. VAT
Min. salaryAED 40,000
Monthly rate3.99%
Foreign fee2.61%
Up to 20 FAB Rewards per AED 1 on luxury spend
Citi Prestige Credit CardCitibank UAE
Annual feeAED 1,575incl. VAT
Min. salaryAED 30,000
Monthly rate3.69%
Foreign fee2.99%
3 ThankYou Points per USD 1 on non-AED spend
FAB Travel Credit CardFAB
Annual feeAED 1,575incl. VAT
Min. salaryAED 20,000
Monthly rate3.99%
Foreign fee0%
12% back in FAB Rewards on flights and hotels
Journey Credit CardStandard Chartered
Annual feeAED 1,575incl. VAT
Min. salaryAED 30,000
Monthly rate3.69%
Foreign fee2.99%
4 360 Rewards Points per USD 1 spent internationally
Solitaire Credit CardMashreq
Annual feeAED 1,575incl. VAT
Min. salaryAED 25,000
Monthly rate3.85%
Foreign fee2.89%
6 Mashreq Vantage points per AED on international spend
ADCB Betaqti Credit CardADCB
Annual feeAED 2,100incl. VAT
Min. salaryAED 10,000
Monthly rateNot published
Foreign feeNot published
Up to 3 TouchPoints per AED 1
Skywards Black CardEmirates Islamic · Islamic
Annual feeAED 2,100incl. VAT
Min. salaryNot published
Monthly rate3.25%
Foreign fee2.3%
Up to 3.5 Skywards Miles per USD on Emirates
Citi Ultima Credit CardCitibank UAE
Annual feeAED 3,150incl. VAT
Min. salaryAED 36,750
Monthly rate3.69%
Foreign fee2.99%
5 Citi Miles per USD 1 on non-AED spend
Essential Cashback Credit CardADCB
Annual feeNot published
Min. salaryAED 5,000
Monthly rateNot published
Foreign feeNot published
1.25% cashback on monthly spends of AED 5,000 or more
RAKislamic World Credit CardRAKBANK · Islamic
Annual feeNot published
Min. salaryNot published
Monthly rateNot published
Foreign feeNot published
RAKrewards on every spend
Smiles World Priority MastercardSharjah Islamic Bank · Islamic
Annual feeNot published
Min. salaryNot published
Monthly rateNot published
Foreign feeNot published
3 Smiles per AED 2 spent internationally
Traveller Credit CardADCB
Annual feeNot published
Min. salaryAED 20,000
Monthly rateNot published
Foreign fee0%
10% cashback on airline tickets and hotel stays
World Credit CardRAKBANK
Annual feeNot published
Min. salaryAED 20,000
Monthly rateNot published
Foreign feeNot published
Up to 10% cashback on grocery, travel and dining

Where a bank does not publish a figure, we leave it blank instead of guessing.