UAE Credit Cards by Spending, Salary and Perks
Choose a category to compare published conditions, modelled AED value and the traps behind a headline benefit. Every category keeps the live directory filters.
Cashback
Headline cashback is not the same as uncapped cashback. Check minimum eligible monthly spending, category ceilings, reduced-rate merchant codes and when rewards actually start.
Compare cashback cardsAirline miles
A mile is a redemption currency, not cash. Award availability, taxes, transfer ratios, restricted markets and joining fees can change the value of a seemingly generous welcome offer.
Compare airline miles cardsFree for life
A permanent zero annual fee, a first-year waiver and a renewal waiver are different promises. Each card below discloses its fee; conditional renewal waivers only apply when modelled qualifying annual spending meets the published rule.
Compare free for life cardsSchool fees
A school being regulated by KHDA or ADEK does not determine the bank merchant category. Payment gateways, education caps, instalment conversion and reduced utility rates can materially change your reward.
Compare school fees cardsLounge access
A lounge network logo is not an unconditional admission pass. Activation, eligible foreign transactions, monthly spending, visit allowances and guest charges must be checked before each trip.
Compare lounge access cardsCinema offers
Cinema offers can depend on the booking channel, ticket format, monthly quota and qualifying retail spending. Two-for-one access is not valued as guaranteed cash in our rankings.
Compare cinema offers cardsGroceries
A supermarket, online grocery order and delivery marketplace can carry different merchant codes. A co-branded loyalty offer may require paying directly in the eligible merchant app rather than through a third party.
Compare groceries cardsFuel & transport
Fuel, transit, tolls and government payments do not share one reward rule. This shortlist uses positive published fuel earning; it does not imply every listed card accelerates Salik, Darb or Nol top-ups.
Compare fuel & transport cardsAED 5,000–10,000 salary
A published salary minimum is only one approval criterion. Employer listing, length of service, residency, total commitments and the credit bureau assessment can still affect an application.
Compare aed 5,000–10,000 salary cardsIslamic cards
Islamic does not mean cost-free borrowing. Review the covered-card structure, profit calculation, settlement obligations and fees in the bank’s own contract and key facts statement.
Compare islamic cards cards