Low-Rate Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 3.9/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
Explore all Dubai First cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 0
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- 2.49%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Free for life.
Cashback or points earning rules, thresholds and caps
No standard purchase reward verified. The 1% promotional balance-transfer cashback is a separate borrowing offer.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
Low-Rate Credit Card
Dirham Score 3.9/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
Free for life.
View breakdown
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Calculation assumptionsRewards, fees & important conditions
Read the full Low-Rate Credit Card review and fee maths
No standard purchase reward verified. The 1% promotional balance-transfer cashback is a separate borrowing offer.
AED 20 standard tickets at Cine Royal, Star and Reel after AED 5,000 spend in the previous month. · Travel benefit appears on current product page; confirm exactcomplimentaryentitlement.
Monthly interest rate: 2.49%. Bank FX charge: Confirm with bank.
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Current monthly purchase interest is 2.49%, not the brief’s 1.5%.
The current Low-Rate tariff is free; separately named legacy National/Expat variants have AED 300 pre-VAT fees.
Do not treat borrowing promotions as ordinary purchase cashback.
Official bank source · checked 2026-10-22Official bank terms, tariff or rewards information
Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Travel benefit appears on current product page; confirm exactcomplimentaryentitlement.
- Cinema: AED 20 standard tickets at Cine Royal, Star and Reel after AED 5,000 spend in the previous month.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Current monthly purchase interest is 2.49%, not the brief’s 1.5%.
- The current Low-Rate tariff is free; separately named legacy National/Expat variants have AED 300 pre-VAT fees.
- Do not treat borrowing promotions as ordinary purchase cashback.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
Compare Low-Rate Credit Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare Low-Rate Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare Low-Rate Credit Card with CBD Super Saver Visa Signature Credit CardOfficial bank sources and application information
- Low-Rate Credit Card official product terms
- Dubai First: Official product page
- Dubai First: Official bank terms, tariff or rewards information
- Low-Rate Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.