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UAE credit cards with no annual fee

47 cards from 13 banks fit this group, based on the banks' own pages checked on 27 Sep 2026. The lowest published salary among them is AED 5,000, for the Smiles Titanium Mastercard from Sharjah Islamic Bank.

Order: lowest minimum salary first. No commercial deal affects the order.

Checked against the bank's own pages on 27 Sep 2026
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
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 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
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
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
du Credit CardFAB
Annual feeFree
Min. salaryAED 5,000
Monthly rate3.99%
Foreign fee2.61%
15% back in FAB Rewards on du spending
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
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
Titanium Credit CardRAKBANK
Annual feeFree
Min. salaryAED 8,000
Monthly rateNot published
Foreign feeNot published
Up to 5% cashback on supermarket and dining 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
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
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
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
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
RTA Credit CardEmirates Islamic · Islamic
Annual feeFree
Min. salaryNot published
Monthly rate3.69%
Foreign fee2.54%
10% cashback on RTA transport and fuel
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
Watani Credit CardRAKBANK · Islamic
Annual feeFree
Min. salaryNot published
Monthly rateNot published
Foreign feeNot published
100% cashback on Salik and DARB

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CashbackTravel and milesNo foreign feeIslamicSalary AED 5,000Premium