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
UAE premium credit cards
51 cards from 14 banks fit this group, based on the banks' own pages checked on 27 Sep 2026. The lowest annual fee among them is AED 733.95, on the Smiles World Elite 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 2026Annual feeAED 2,100incl. VAT
Min. salaryAED 10,000
Monthly rateNot published
Foreign feeNot published
Up to 3 TouchPoints per AED 1
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
Annual feeAED 787.5incl. VAT
Min. salaryAED 15,000
Monthly rate3.85%
Foreign fee3.5%
Up to 3 CBD Rewards points per AED 1
Annual feeAED 1,575incl. VAT
Min. salaryAED 20,000
Monthly rate3.99%
Foreign fee0%
12% back in FAB Rewards on flights and hotels
Annual feeNot published
Min. salaryAED 20,000
Monthly rateNot published
Foreign fee0%
10% cashback on airline tickets and hotel stays
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
The Emirates Skywards DIB Infinite Covered CardDubai Islamic Bank · Islamic
Annual feeAED 2,625incl. VAT
Min. salaryAED 20,000
Monthly rate3.69%
Foreign fee3.7%
2 Skywards Miles per USD on Emirates spends
ADIB Smiles Visa Signature CardADIB · Islamic
Annual feeAED 1,258.95incl. VAT
Min. salaryAED 20,000
Monthly rate3.75%
Foreign fee2.3%
70,000 Smiles points on sign up
Marriott Bonvoy World Elite MastercardEmirates NBD
Annual feeAED 1,575incl. VAT
Min. salaryAED 25,000
Monthly rate3.25%
Foreign fee1.99%
6 Marriott Bonvoy points per US$1 at hotels
Voyager World Elite Credit CardEmirates NBD
Annual feeAED 1,575incl. VAT
Min. salaryAED 25,000
Monthly rate3.25%
Foreign fee1.99%
Up to 12 Voyager Miles per AED 1 on Voyager Travel Portal
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
ADCB Islamic TouchPoints Infinite Credit CardADCB · Islamic
Annual feeNot published
Min. salaryAED 25,000
Monthly rateNot published
Foreign feeNot published
Up to 1.5 TouchPoints per AED 1
Annual feeNot published
Min. salaryAED 25,000
Monthly rateNot published
Foreign feeNot published
Up to 1.5 TouchPoints per AED 1
Mashreq Al Islami Emirati Solitaire Credit CardMashreq · Islamic
Annual feeNot published
Min. salaryAED 25,000
Monthly rateNot published
Foreign feeNot published
6 Mashreq Vantage points per AED, local and international
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
Emirates NBD Skywards Infinite Credit CardEmirates NBD
Annual feeAED 1,575incl. VAT
Min. salaryAED 30,000
Monthly rate3.25%
Foreign fee1.99%
Up to 2 Skywards Miles per USD
Etihad Guest Visa Elevate Credit CardEmirates NBD
Annual feeAED 1,575incl. VAT
Min. salaryAED 30,000
Monthly rate3.25%
Foreign fee1.99%
Up to 10 Etihad Guest Miles per AED 10
Annual feeAED 2,625incl. VAT
Min. salaryAED 30,000
Monthly rate3.99%
Foreign fee2.61%
3.5 miles per AED 10 spent domestic
Etihad Guest Infinite Islamic Credit CardFAB · Islamic
Annual feeAED 2,625incl. VAT
Min. salaryAED 30,000
Monthly rateNot published
Foreign fee2.61%
3.5 miles per AED 10 domestic
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
Annual feeAED 2,625incl. VAT
Min. salaryAED 30,000
Monthly rate3.69%
Foreign feeNot published
2.75 Skywards Miles per USD on Emirates/flydubai direct bookings
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
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
Annual feeNot published
Min. salaryAED 35,000
Monthly rateNot published
Foreign feeNot published
Up to 3.2% back on travel
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
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
Annual feeFree
Min. salaryAED 40,000
Monthly rate2.49%
Foreign fee2.5%
NBF reward points redeemable via mobile app
Darna Infinite Privilege Visa Credit CardEmirates NBD
Annual feeAED 2,625incl. VAT
Min. salaryNot published
Monthly rate3.25%
Foreign fee1.99%
Darna Visa Infinite Credit CardEmirates NBD
Annual feeAED 1,575incl. VAT
Min. salaryNot published
Monthly rate3.25%
Foreign fee1.99%
10% value back as Darna Points at Aldar destinations
Etihad Guest Visa Limitless Credit CardEmirates NBD
Annual feeAED 1,575incl. VAT
Min. salaryNot published
Monthly rate3.25%
Foreign fee1.99%
Liv Tamayaz World Elite Credit CardEmirates NBD
Annual feeAED 1,575incl. VAT
Min. salaryNot published
Monthly rate3.25%
Foreign fee1.99%
Priority Banking Visa Infinite Credit CardEmirates NBD
Annual feeAED 1,575incl. VAT
Min. salaryNot published
Monthly rate3.25%
Foreign fee1.99%
Up to 5% Plus Points on daily spends
SHARE Infinite Visa Credit CardEmirates NBD
Annual feeAED 1,575incl. VAT
Min. salaryNot published
Monthly rate3.25%
Foreign fee1.99%
Up to 8% back as SHARE Points
SHARE Private Visa Credit CardEmirates NBD
Annual feeAED 1,575incl. VAT
Min. salaryNot published
Monthly rate3.25%
Foreign fee1.99%
Up to 8% back as SHARE Points
U By Emaar Infinite Credit CardEmirates NBD
Annual feeAED 1,575incl. VAT
Min. salaryNot published
Monthly rate3.25%
Foreign fee1.99%
7.5% back as Upoints at Emaar outlets
Visa Infinite Credit CardEmirates NBD
Annual feeAED 1,575incl. VAT
Min. salaryNot published
Monthly rate3.25%
Foreign fee1.99%
Up to 2 Plus Points per AED 100
Annual feeNot published
Min. salaryNot published
Monthly rate3.99%
Foreign fee2.61%
Annual feeAED 1,575incl. VAT
Min. salaryNot published
Monthly rate3.85%
Foreign fee2.89%
Up to 12% back on Aura brands in the UAE
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
ADIB Emirates Skywards Visa Infinite CardADIB · Islamic
Annual feeAED 4,725incl. VAT
Min. salaryNot published
Monthly rate3.75%
Foreign fee2.3%
3 Skywards Miles per AED 3.68 on Emirates/flydubai
ADIB Etihad Guest Visa Infinite Covered CardADIB · Islamic
Annual feeAED 3,150incl. VAT
Min. salaryNot published
Monthly rate3.75%
Foreign fee2.3%
3.5 miles per AED 4 on Etihad and foreign currency
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
Marriott Bonvoy® ADIB Visa Infinite CardADIB · Islamic
Annual feeAED 2,625incl. VAT
Min. salaryNot published
Monthly rate3.75%
Foreign fee2.3%
8 Bonvoy points per US$1 at Marriott hotels
Etihad Guest Premium CardEmirates Islamic · Islamic
Annual feeNot published
Min. salaryNot published
Monthly rate3.69%
Foreign fee2.54%
3.5 Etihad Guest Miles per USD on Etihad Airways
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
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
Skywards Infinite Credit CardEmirates Islamic · Islamic
Annual feeAED 1,048.95incl. VAT
Min. salaryNot published
Monthly rate3.69%
Foreign fee2.54%
Up to 2 Skywards Miles per USD on Emirates/flydubai
HSBC Premier Credit CardHSBC UAE
Annual feeFree
Min. salaryNot published
Monthly rate3.69%
Foreign feeNot published
1 HSBC Rewards Point per AED 1 spent
HSBC Private Bank Credit CardHSBC UAE
Annual feeFree
Min. salaryNot published
Monthly rate3.69%
Foreign feeNot published
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