Free-for-Life UAE Credit Cards: Zero Annual Fee & Spend-Waiver Cards

Regular welcome offer

AED 500 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 100. Amount/window must match digital application;60days in forecast is approximate.

Qualifying welcome value: AED 500. Requires AED 5,000 spend within 60 days.

Fees, rewards & eligibility

Read the full Mashreq Cashback Credit Card review and fee maths

50% off up to eight Deluxe-Plus Cinepolis tickets monthly at Oasis Mall, Sharjah through 31 December 2026. Website/app only; mobile wallets excluded. Separate from the paid-card VOX/Reel/Novo offer. · No complimentary access verified

Monthly interest rate: 3.85%. Bank FX charge: 2.89%.

AED 500 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 100. Amount/window must match digital application;60days in forecast is approximate.

September 2026 KFS publishes 46.20% annual retail interest; the published monthly example is 3.85%. Actual assigned rate appears on your statement. Bank FX spread is 2.89%, plus Visa/Mastercard charges; KFS labels FX VAT not applicable.

Welcome qualification uses the bank's first two months after issuance. The calculator uses a 60-day spend projection as an approximation; confirm the actual deadline during digital application.

Welcome amounts are standard new-credit-customer incentives. A Mashreq card held or cancelled in the previous six months makes you an existing customer. Do not count the same credit-card reward again as an Early Bird extra.

No spend minimum for regular cashback. Domestic selected services earn 0.15%, dining earns 5%, other eligible retail earns 1%. Bank-channel bills are excluded. Redemption minimum AED 100; 36-month expiry and 12-month inactivity forfeiture apply.

The introductory 20% merchant offer lasts the first four months, capped at AED 50 per merchant per month. Selected direct merchants only; Apple Pay, Google Pay and bank-channel payments excluded. Not assumed in forecast.

Current product

September2026 KFS

Current welcome terms

Cashback supplemental terms

20% merchant introductory offer

Cinepolis2026terms

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

No separate regular welcome bonus is assumed. The dated 2026 acquisition campaign is shown separately.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full HSBC Live+ Credit Card review and fee maths

Buy 1 Get 1; AED 6,000 monthly spend required · 12 annual Visa Airport Companion visits for cardholders; make an international purchase equivalent to at least one US currency unit once per calendar year, at least 15 days before travel.

Monthly interest rate: 3.69%. Bank FX charge: 2.1%.

No separate regular welcome bonus is assumed. The dated 2026 acquisition campaign is shown separately.

Includes the AED 600 qualifying spend stage; wallet and supplementary-card actions remain excluded. Direct merchant school/utility payments earn 0.5%. All projected spend must be eligible retail within the assigned credit limit.

General income minimum AED 12,500; AED 5,000 is restricted to approved-company employees. Credit approval is separate.

AED 3,000 statement retail spend activates dining 6%, fuel 5%, supermarkets and entertainment 2%, each capped at AED 200 per category. Other eligible retail, including direct school and utility payments, earns 0.5%; below the threshold all eligible retail earns 0.5%.

Only eligible merchant retail is modelled; instalment plans, cash equivalents, bank fees, reversals and spend beyond the assigned credit limit are excluded. Entertainment is not a separate matcher input.

Cinema BOGO requires AED 6,000 in the booking month. Twelve annual Visa Airport Companion lounge visits require the stated international purchase and advance processing window.

Bank foreign currency processing is 2.1% including VAT. A separate scheme processing fee up to 1.21% including VAT can apply. Overseas AED processing is 1.05%; these are not all-in currency conversion costs.

Annual fee AED 313.95 including VAT; first-year waiver campaign requires approval by 31 December 2026. Later waiver requires AED 12,000 yearly spend.

Live+ category and direct-merchant terms

Current HSBC tariff, effective 6 October 2026

Official campaign terms

Official campaign terms

Official bank promotional artwork depicting this card. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Two Free Night Awards after USD 6,000 cumulative retail spend in the first three billing statements; each is limited to a hotel redemption level of 35,000 Bonvoy points, with up to 15,000 own points top-up permitted. A further 35,000-point-level award is advertised on anniversary. Certificates and targeted merchant vouchers are excluded from cash forecast.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Marriott Bonvoy World Mastercard Credit Card review and fee maths

Current product explicitly advertises free for life and annual fee 0; generic August 2026 KFS lists AED 315 joining and renewal. Product page finance rate 3.25% conflicts with tariff 3.69%. Fee waiver and individual finance pricing must be confirmed in the issued agreement.

1.5 Bonvoy points per AED 3.6725 equivalent on general retail. Reduced MCC and European rates apply; Marriott hotel spending earns more.

Buy 1 Get 1 at VOX and Reel Cinemas; AED 5,000 spend in the month of benefit use. Below-threshold use can be charged back. Eligible formats, booking channels and monthly ticket limits apply. · Mastercard Travel Pass lounge benefit; current registration and qualifying-spend rules apply.

Monthly interest rate: Confirm with bank. Bank FX charge: 1.99%.

Two Free Night Awards after USD 6,000 cumulative retail spend in the first three billing statements; each is limited to a hotel redemption level of 35,000 Bonvoy points, with up to 15,000 own points top-up permitted. A further 35,000-point-level award is advertised on anniversary. Certificates and targeted merchant vouchers are excluded from cash forecast.

Bonvoy AED value is an illustrative AED 0.025/point. Generic foreign spending assumes non-EU/UK; approved credit limit and merchant/transaction-specific rates apply.

Current product-specific free-for-life offer is shown as AED 0; the conflicting generic KFS tariff of AED 315 is disclosed.

Product page finance rate is 3.25% monthly; the generic tariff says 3.69%. An exact universal finance charge is not asserted; confirm the issued agreement.

The bank FX fee 1.99% is additional to approximately 1.15% network processing and any acquirer charges.

General retail earns 1.5 Bonvoy points/USD; groceries/insurance/car dealership/fast food 0.375; selected essentials 0.15. Fast-food transactions over USD 25 earn 1.5 points/USD.

Foreign EU/UK purchases earn 50% of the international rate. Special hotel earning and restricted certificates are excluded from generic forecast.

Credit card price guide (VAT inclusive)

Credit card KFS (August 2026)

Targeted merchant voucher campaign

Cinema conditions

The card face has no visible World tier inscription; the official product-page URL, image filename and alt text marriottbonvoyworldmastercard verify this is the World product. Do not substitute the World Elite card. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Blue FAB Signature Credit Card by Al-Futtaim review and fee maths

6% in Al-Futtaim FAB Rewards at eligible Al-Futtaim retail brands, plus a separate 1% Blue app reward when scanning Blue ID. 3% at specified Al-Futtaim other brands; 1% general eligible spending and 0.15% selected MCCs.

4 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 4,000 monthly spend; below-threshold discounts may be charged back. · Access to over 1,000 lounges for cardholder; network qualifying rules apply.

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

Cashback-equivalent rates are used. Merchant-specific Al-Futtaim and separate Blue-app rewards are excluded from generic spending. Al-Futtaim FAB Rewards are a separate currency; do not use the standard FAB Rewards point valuation.

Reward currency is Al-Futtaim FAB Rewards, distinct from standard FAB Rewards and Blue app points. Terms equate 200 Al-Futtaim FAB Rewards to AED 1 of cashback value.

No annual membership fee; minimum salary 15,000 AED.

Monthly cashback-equivalent cap is AED 3,000.

Selected supermarkets, education, utilities/government, fuel, charities, transport, rental, insurance and fast-food MCCs earn 0.15%; participating Al-Futtaim merchant rates need actual merchant identification.

Dubai Festival City / Festival Plaza Al-Futtaim mall gift-card purchases do not earn Al-Futtaim FAB Rewards. Rewards expire two years from the last day of the earning month.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Credit card fees (July 2026)

Al-Futtaim FAB Rewards terms (February 2025 v4)

Cinema monthly spend and ticket eligibility

Blue FAB and Al-Futtaim FAB are names associated with the same current co-brand family. This record is specifically the Signature tier. Bank artwork shows two overlapping cards with shadows and transparent surrounding space; the original composition is preserved. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Emirati-only acquisition campaign: AED 5,000 as 1,000,000 Al-Futtaim FAB Rewards after AED 12,000 eligible retail spend in EACH of the first three 30-day cycles from issuance. Applications 24 September–23 November 2026. Excluded from generic forecast because nationality and prior-card conditions cannot be assumed.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Blue FAB Infinite Credit Card by Al-Futtaim review and fee maths

8% in Al-Futtaim FAB Rewards at eligible Al-Futtaim retail brands, plus a separate 1% Blue app reward when scanning Blue ID. 4% at specified Al-Futtaim other brands; 1% general eligible spending and 0.15% selected MCCs.

6 AED 20 standard 2D tickets per month at Reel, Cine Royal and Star Cinemas after AED 6,000 monthly spend; below-threshold discounts may be charged back. · Access to over 1,000 lounges for cardholder and one guest; network qualifying rules apply.

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

Emirati-only acquisition campaign: AED 5,000 as 1,000,000 Al-Futtaim FAB Rewards after AED 12,000 eligible retail spend in EACH of the first three 30-day cycles from issuance. Applications 24 September–23 November 2026. Excluded from generic forecast because nationality and prior-card conditions cannot be assumed.

Cashback-equivalent rates are used. Merchant-specific Al-Futtaim and separate Blue-app rewards are excluded from generic spending. Al-Futtaim FAB Rewards are a separate currency; do not use the standard FAB Rewards point valuation.

Reward currency is Al-Futtaim FAB Rewards, distinct from standard FAB Rewards and Blue app points. Terms equate 200 Al-Futtaim FAB Rewards to AED 1 of cashback value.

No annual membership fee; minimum salary 40,000 AED.

Monthly cashback-equivalent cap is AED 4,000.

Selected supermarkets, education, utilities/government, fuel, charities, transport, rental, insurance and fast-food MCCs earn 0.15%; participating Al-Futtaim merchant rates need actual merchant identification.

Dubai Festival City / Festival Plaza Al-Futtaim mall gift-card purchases do not earn Al-Futtaim FAB Rewards. Rewards expire two years from the last day of the earning month.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Credit card fees (July 2026)

Al-Futtaim FAB Rewards terms (February 2025 v4)

Cinema monthly spend and ticket eligibility

Blue Infinite Emirati welcome campaign

Blue FAB and Al-Futtaim FAB are names associated with the same current co-brand family. This record is specifically the Infinite tier. The primary image is the bank's tilted single-card composition with shadow and transparent surrounding space. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Current linked campaign runs 1–31 October 2026, not September. AED 250 reward excluded from forecast because the public terms omit the numerical spend threshold.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Essential Cashback Credit Card review and fee maths

General eligible retail: 1.25% with AED 5,000 monthly spend, or 1% with AED 1,000–4,999; selected MCCs/EU retail 0.75%. School fees and ADCB bill channels excluded conservatively.

Buy 1 Get 1 at Reel Cinemas: up to two complimentary tickets per month, offer currently ends 31 December 2026. · Four visits per year to 25+ lounges through Mastercard Travel Pass; qualifying non-AED transaction conditions apply.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

Current linked campaign runs 1–31 October 2026, not September. AED 250 reward excluded from forecast because the public terms omit the numerical spend threshold.

Direct utility merchant assumed at 0.75%. Education/school ambiguity and assigned credit limit are limitations; unknown October acquisition threshold is excluded.

Free annual membership under the September 2026 VAT-inclusive schedule. Bank FX margin 2.99%; card-network conversion is separate.

AED 1,000 minimum monthly purchases to earn; general retail earns 1% below AED 5,000 and 1.25% from AED 5,000. Selected categories, including eligible direct utility merchants and EU merchants, earn 0.75%; cap AED 1,000 monthly, with earning spend limited to credit limit.

Bank-channel bills are excluded. School fees remain excluded conservatively; the guide also lists education MCCs at 0.75%, so check the specific payment.

International model assumes eligible non-EU other retail; EU merchant transactions earn 0.75%.

Official fees / key facts

Current product

VAT-inclusive schedule

Merchant guide

Current acquisition PDF (same May2025 URL, October2026 content)

June2026 supplemental terms

Official filename says 400x25; decoded dimensions are 400x250. Larger promotional image matches the red Essential front on the current product page; the current product page uses a 160x102 WebP. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 750 talabat credit for eligible new ADCB credit customers applying through the approved digital channel and spending AED 5,000 within 45 days. Existing customers receive a different offer.

Qualifying welcome value: AED 750. Requires AED 5,000 spend within 45 days.

Fees, rewards & eligibility

Read the full talabat ADCB Credit Card review and fee maths

1.25% back as talabat credit on eligible other retail; selected MCCs and European retail earn 0.35%. Up to 35% on eligible talabat orders subject to spend / order caps.

Buy 1 Get 1 at Reel Cinemas: up to two complimentary tickets per month; current offer ends 31 December 2026. · Four annual visits to 25+ lounges via Mastercard Travel Pass; qualifying non-AED transaction required.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

AED 750 talabat credit for eligible new ADCB credit customers applying through the approved digital channel and spending AED 5,000 within 45 days. Existing customers receive a different offer.

Restricted talabat credit valued at face value only when used. No talabat-order attribution is assumed. International estimate assumes eligible non-UK/non-EEA retail; UK/EEA0.35%. School/fuel/grocery selected MCCs0.35%; bank bills excluded conservatively. Earning restricted to assigned credit limit.

Fees use the September 2026 VAT-inclusive schedule. FX scheme conversion charges are separate.

Talabat monthly boost requires AED 2,500 total retail spend: 35% on the first ten orders, maximum AED 35 per order and AED 350 monthly. Otherwise 1.25%. General dining is not assumed to be ordered through talabat.

International benchmark assumes eligible non-UK/non-EEA retail at 1.25%; UK/EEA merchants earn 0.35%. Selected domestic MCCs also earn 0.35%.

Digital welcome credit: AED 750 for new ADCB credit customers or AED 200 for eligible existing customers. First issuance only; conversion and cancel-reapply excluded. Credit cannot be withdrawn as cash.

Talabat pro delivery minimums: AED 50 for food; AED 100 for pro-marked mart, grocery and pharmacy orders.

Official fees / key facts

Current product

VAT-inclusive schedule identifyingtalabatPlatinum

Talabat supplemental terms

Default orange-to-red design; the bank offers seven personalized card designs. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Prime Infinite Card review and fee maths

3 Walaa points per AED on eligible local spend; 3.5 points per AED international spend.

No cinema benefit verified. · 12 annual lounge visits with one guest via Visa Airport Companion. First visit complimentary; later visits require a foreign-currency purchase equivalent to USD 1 at an overseas merchant at least 15 days earlier, or USD 32 per usage.

Valet: Two monthly visits at selected locations; AED 8,000 monthly retail spend is required for complimentary use. Applicable location/service charges apply below threshold or beyond allowance.

Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.

A current fixed AED redemption rate for Walaa was not verified. Points and leisure benefits are shown without a guessed first-year cash estimate.

Prime annual fee is zero under current schedule. Monthly Salam rate up to 3.69%; confirm personal contract.

Current schedule effective 12 October 2026: non-AED international usage fee 3.70%; overseas AED usage fee 3.14%.

Eligible local general retail earns 3 Walaa points/AED; eligible non-AED general retail earns 3.5. Supermarkets, telecom, education, petroleum, government/utilities, takaful, vehicle dealers, transport and real estate earn only 0.2 point/AED.

EU-origin retail earns no Walaa. DIB-channel utility/government bills, cash equivalents, funding, crypto and charity are excluded; other merchant exclusions apply.

No fixed AED redemption rate verified; earning points and free benefits are not assigned an invented cash value.

Current fees effective 12 October 2026

Official new covered-card key facts

Official valet spend conditions

Current official listing packshot, angled card perspective; small 248x190 source. The sample cardholder name is printed in the official artwork. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Prime Signature Card review and fee maths

2.5 Walaa points per AED on eligible local spend; 3 points per AED international spend.

No cinema benefit verified. · 8 annual lounge visits via Visa Airport Companion. First visit complimentary; later visits require a foreign-currency purchase equivalent to USD 1 at an overseas merchant at least 15 days earlier, or USD 32 per usage.

Valet: Two monthly visits at selected locations; AED 5,000 monthly retail spend is required for complimentary use. Applicable location/service charges apply below threshold or beyond allowance.

Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.

A current fixed AED redemption rate for Walaa was not verified. Points and leisure benefits are shown without a guessed first-year cash estimate.

Prime annual fee is zero under current schedule. Monthly Salam rate up to 3.69%; confirm personal contract.

Current schedule effective 12 October 2026: non-AED international usage fee 3.70%; overseas AED usage fee 3.14%.

Eligible local general retail earns 2.5 Walaa points/AED; eligible non-AED general retail earns 3. Supermarkets, telecom, education, petroleum, government/utilities, takaful, vehicle dealers, transport and real estate earn only 0.2 point/AED.

EU-origin retail earns no Walaa. DIB-channel utility/government bills, cash equivalents, funding, crypto and charity are excluded; other merchant exclusions apply.

No fixed AED redemption rate verified; earning points and free benefits are not assigned an invented cash value.

Current fees effective 12 October 2026

Official new covered-card key facts

Official valet spend conditions

Current official listing packshot, angled card perspective; small 248x190 source. The sample cardholder name is printed in the official artwork. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

The advertised AED 1,000 acquisition credit has linked terms ending 30 September 2026 and is excluded for new October applications. The spend-based first-year fee waiver is separate.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Journey Credit Card review and fee maths

2 reward points per AED 3.6725 equivalent local retail; 4 points international. Redemption value varies; standard e-voucher rate used.

Buy 1 Get 1 at VOX and Reel Cinemas, subject to qualifying spend and current booking conditions. · Unlimited Visa Airport Companion lounge access with a guest; qualifying rules apply.

Monthly interest rate: 3.69%. Bank FX charge: up to 2.99%.

First-year fee waiver requires AED 10,000 spend within 60 days. Your forecast meets the spend target.

The advertised AED 1,000 acquisition credit has linked terms ending 30 September 2026 and is excluded for new October applications. The spend-based first-year fee waiver is separate.

Use of e-vouchers is assumed. Enhanced travel redemptions, reduced-category earning and leisure perks are excluded.

Minimum monthly income AED 30,000 and a Standard Chartered current or savings account are required. Annual fee AED 1,575 including VAT; first-year waiver after AED 10,000 in 60 days, later waiver after AED 150,000 annual spend.

General local retail earns two reward points per reference-currency unit and international retail earns four. The model uses the published e-voucher conversion of 125 points per AED 1 and excludes reduced essential-category earning conservatively.

Retail finance charge is 3.69% monthly. Foreign transaction charge is published as up to 2.99%, with separate network conversion.

The product header advertises AED 1,000 welcome cashback, but its linked terms cover applications only through 30 September 2026. It is excluded for new October applications.

The golf feature specifies AED 12,000 per cycle while an older FAQ says AED 10,000. Priority Private conditions differ. Confirm the booking terms before use.

Visa Airport Companion provides initial complimentary visits; further unlimited access for you and a guest requires the stated international purchase.

Standard Chartered current price guide

Linked acquisition terms: expired September2026

Product availability verified on current UAE product and application pages. Official bank-linked av.sc.com navigation packshot; visible card face reads Journey and Visa Infinite. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Welcome statement-credit offers require applying independently on Citibank’s website. Third-party / comparison referrals or search-ad applications do not qualify; the forecast excludes this channel-dependent welcome reward.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Citi Cash Back Credit Card review and fee maths

3% eligible foreign-currency retail, 2% groceries and 1% other retail. Bank-channel bill payments and non-retail transactions are excluded.

No cinema benefit verified. · Eight lounge visits per year via Mastercard Travel Pass; qualifying foreign transaction required.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

Welcome statement-credit offers require applying independently on Citibank’s website. Third-party / comparison referrals or search-ad applications do not qualify; the forecast excludes this channel-dependent welcome reward.

Direct merchant utility payments are assumed. Direct-channel-only welcome credit is excluded; monthly earning remains constrained by approved credit limit.

Finance charge 3.69% monthly effective 1 October 2026. FX transaction fee is additional to network conversion.

First annual fee waived; later annual waiver requires AED 9,000 spend. This is not unconditional free for life.

Official fees / key facts

Current official page and card face use Cash Back as two words. Current directory packshot, despite the legacy asset path. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Citi Simplicity Credit Card review and fee maths

No spending rewards are verified for this fee-focused product.

No cinema benefit verified. · No complimentary lounge benefit verified.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

Finance charge 3.69% monthly effective 1 October 2026. FX transaction fee is additional to network conversion.

No annual, late-payment, overlimit or cash-advance fees under product terms. Finance charges still apply; fee relief does not make carried balances interest-free.

Official fees / key facts

Current official UAE directory packshot, despite the legacy asset path. The directory uses Citi Simplicity®; product page heading omits the registered trademark. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Cash+ Credit Card review and fee maths

1% cashback on eligible retail. Advertised 10% annual bonus is a top-up on earned cashback, not a 10% spending reward.

Buy 1 Get 1 cinema tickets after AED 10,000 calendar-month spend; booking and provider conditions apply. · Unlimited Visa Airport Companion lounge visits for you and one guest after an international purchase equivalent to at least one US currency unit, at least 15 days before travel.

Monthly interest rate: 3.69%. Bank FX charge: 2.1%.

Includes verified monthly, quarterly and annual bonuses on base cashback when the repeated-spend forecast reaches each separate target. Leisure perks are excluded; fee waiver remains subject to campaign approval conditions.

AED 30,000 monthly income; annual fee AED 1,050 including VAT. First-year fee waiver campaign runs through 31 December 2026; subsequent waiver requires AED 24,000 yearly spend.

Base cashback is 1% of eligible retail. Monthly AED 5,000, quarterly AED 25,000 and annual AED 125,000 retail targets each award a separate 10% bonus on the relevant base cashback, not 10% of spending. Bonuses do not compound on one another.

The model repeats the entered monthly spend over complete one-, three- and twelve-month cycles. Actual account periods, cleared payments, reversals and credit limits affect entitlement.

Cinema BOGO requires AED 10,000 in the booking month. The current Visa card uses Visa Airport Companion, not Mastercard Travel Pass.

Foreign currency processing: bank 2.1% including VAT plus a separate scheme fee up to 1.21% including VAT. Overseas AED processing is 1.05%; merchant exchange rates can add costs.

Current HSBC tariff, effective 6 October 2026

Official Cash+ cashback bonus terms

Official campaign terms

Official product hero asset has a light grey background and generous margins around the card; downloaded unchanged. Visible card face reads Cash+ Credit and Visa Infinite. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Premier Credit Card review and fee maths

1 HSBC Reward Point per AED eligible retail spend. Cash-equivalent value depends on redemption; illustrative value used.

Buy 1 Get 1 cinema tickets after AED 6,000 monthly spend; current booking conditions apply. · Eight annual lounge visits via Mastercard Travel Pass; qualifying non-AED purchase in the preceding 90 days required.

Monthly interest rate: 3.69%. Bank FX charge: 2.1%.

AED 0.007 per point is an illustrative redemption assumption, not a fixed bank cash rate. Non-spend bonus actions and leisure benefits are excluded.

No annual card fee; a qualifying HSBC Premier relationship is required. The salary route and relationship-balance condition are shown separately; other Premier eligibility routes exist.

Earn one point per eligible AED of spending. The model uses an illustrative AED 0.007 per point, not a guaranteed cash rate.

Eight annual Mastercard Travel Pass visits; qualifying foreign purchase at least once every three months. Guests are paid unless the app confirms an applicable entitlement.

Bank FX fee is 2.1% including VAT, plus a separate scheme fee up to 1.21% including VAT. Overseas AED processing fee is 1.05%.

Current welcome offer ends 31 October 2026. Only the 200,000-point qualifying spend stage is included; wallet, supplementary and foreign-transaction actions are excluded.

Official campaign terms

Official Premier account eligibility

Current HSBC tariff, effective 6 October 2026

Current UAE official product is titled Premier Credit Card; its page calls it HSBC Premier Mastercard Credit Card. A distinct UAE product named Premier World Elite Mastercard was not verified. Do not treat HSBC Expat/UK artwork or terms as UAE evidence. Current official artwork is a vertical black Premier Credit Mastercard design on a light grey background, downloaded unchanged. The card face does not show World Elite text. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 750 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full RAKBANK World Cashback Credit Card review and fee maths

50% off selected VOX screenings, up to four tickets per card per month; partner terms apply. · Mastercard Travel Pass: complimentary airport lounge access subject to activation and eligibility. Complete qualifying non-AED spend and register at least 72 hours before travel; confirm the current annual visit allowance.

Monthly interest rate: 3.65%. Bank FX charge: 2.57%.

First-year fee waiver requires AED 100,000 spend within 365 days. Your forecast meets the spend target.

AED 750 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.

Not estimated: World cashback depends on monthly spend bands, category caps and e-wallet payment method; a headline 10% or 3% is not applied to all spend.

Linked VAT-inclusive tariff: AED 997.50 from year two, waived after AED 100,000 qualifying prior-year spend; first year free. Cash/remittances and balance transfers do not qualify for that waiver.

Headline travel/hotel cashback capped at AED 400/month; groceries AED 300, dining AED 300, e-wallet other retail AED 150, non-wallet other retail AED 100. The product page requires AED 10,000 total monthly net spend for the accelerated features. Full tier matrix must be confirmed before a forecast is enabled.

FX tariff charge is 2.57% including VAT, plus network processing approximately 1.15%; do not describe 2.57% as the full foreign-currency cost.

Monthly finance rate 3.65%; may rise by 0.5 percentage points when the previous statement is past due.

One 12-month Careem Plus membership for the primary cardholder; pay eligible Careem transactions with this card. Lounge activation uses foreign-currency spend equivalent to USD 1 and recurring eligibility; verify the allowance in Mastercard Travel Pass.

Official product page

Current card comparison: salary and fee waiver

VAT-inclusive service and price guide

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full RAKBANK Air Arabia Platinum Credit Card review and fee maths

Live offer and linked KFS disagree on the first-year fee and welcome points. Confirm the written offer; both welcome rewards and AED reward value remain excluded.

50% off selected VOX screenings, up to two tickets per card per month; partner terms apply. · Mastercard lounge programme at selected 20+ lounges; confirm the participating lounges, visit allowance and eligibility before travelling.

Monthly interest rate: 3.65%. Bank FX charge: 2.57%.

First-year fee waiver requires AED 20,000 spend within 365 days. Your forecast meets the spend target.

Not estimated: AirRewards are not assigned an unverified AED conversion, and the current 20,000-point offer/no-joining-fee headline conflicts with the linked KFS and tariff.

Current page advertises 20,000 AirRewards after AED 5,000 qualifying spend within three months for new-to-bank customers and no joining fee. Government and utility payments are excluded from the offer spend.

Conflict: the linked KFS still states 15,000 joining points, payment of a joining fee and AED 420 first-year annual fee; the linked tariff lists AED 420 joining/annual fee including VAT. Confirm the written application offer. The conservative record retains AED 420 and excludes welcome rewards from the forecast.

From subsequent years, AED 420 is waived after AED 20,000 qualifying prior-year retail spend.

Earn 1.75 AirRewards/AED 5 on AirArabia.com and eligible international retail, 1.25/AED 5 on domestic retail, and 0.30/AED 5 on listed reduced MCCs including school fees, fuel, utilities, telecom and government. Bank-channel transactions are excluded.

Annual return-flight voucher after AED 30,000 qualifying retail spend; taxes payable, UAE-origin travel and voucher conditions apply. AED 20,000 qualifying spend unlocks annual 10 kg baggage and two meal vouchers. These non-cash perks are not treated as guaranteed cash.

FX tariff charge 2.57% including VAT plus network processing approximately 1.15%. Monthly finance rate 3.65%, with a 0.5 percentage-point past-due increase.

Official product page

Air Arabia card KFS

VAT-inclusive service and price guide

Current salary and annual-fee comparison

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 300 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full RAKBANK RED Cashback Credit Card review and fee maths

No cinema benefit verified. · No complimentary access verified

Monthly interest rate: 3.65%. Bank FX charge: 2.57%.

AED 300 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.

Models 1% at AED 1,000–2,999 monthly spend, 1.5% at AED 3,000+, 0.25% direct reduced-category spend and AED 300 monthly cap. Bank-channel bills and remittances excluded; redemption requires AED 100 cashback.

Free for life. AED 1,000 minimum monthly net spend; 1% standard retail cashback at AED 1,000–2,999 and 1.5% from AED 3,000. AED 300 maximum cashback per billing cycle.

Reduced MCCs earn 0.25%: charities, government, bills, education, transit/transport, telecom, real estate and fuel. RAKBANK-channel payments, cash and remittances earn no rewards.

AED 100 minimum cashback redemption and 15-month reward expiry. Cash-remittance benefit is one qualifying international transfer per month; bank terms and FX rates apply.

Finance 3.65% monthly, with a possible 0.5 percentage-point past-due increase. Foreign transaction charge 2.57% including VAT plus approximately 1.15% network fee.

Official product page

RED card KFS

VAT-inclusive service and price guide

Minimum salary comparison

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full CBD One Visa Signature Credit Card review and fee maths

Current CBD One differs from old selectable-plan marketing. Confirm the AED 5,000 cashback eligibility interpretation; expired cinema/golf offers are excluded.

No cinema benefit verified. · Visa Airport Companion: up to eight complimentary lounge visits per calendar year; confirm activation and spend eligibility.

Monthly interest rate: 3.85%. Bank FX charge: Confirm with bank.

Not estimated: up to AED 135 monthly cashback is limited to listed merchants and a qualifying-spend condition. Broad groceries/dining/online inputs cannot establish exact merchant eligibility.

Current product and March 2025 FAQ say free for life and up to AED 135 cashback per month at listed merchants after meeting the AED 5,000 monthly spend criterion. Do not substitute old Starter/One Plus/VIP selectable-plan terms from the older CBD One microsite.

Selected merchants include noon, Airbnb, Booking.com, Amazon, iTunes, Uber, Careem, named food-delivery apps, streaming, cinema, coffee and fitness brands. Cashback cannot exceed actual qualifying merchant spend; transaction posting dates and account status matter.

The latest FAQ says at least AED 5,000 spend on selected merchants, while an alternate 2025 FAQ example describes total monthly spend plus smaller selected-merchant purchases. Confirm this eligibility conflict with CBD. No reward forecast is shown.

Cinema and golf benefits in the March 2025 FAQ expired on 9 May 2025; they are not presented as current benefits.

Finance 3.85% monthly in linked SOC. Foreign transaction 2.99% row and VAT/network footnote are ambiguous; bank-only FX is unconfirmed.

Official product page

Current CBD One FAQ, March 2025

Alternate March 2025 FAQ

VAT-inclusive card schedule of charges

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full CBD Smiles Visa Signature Credit Card review and fee maths

Smiles points are not cash. Current page mixes Visa Airport Companion and legacy LoungeKey instructions; verify the access app and activation rules.

No cinema benefit verified. · Visa Airport Companion: eight complimentary lounge visits per calendar year, subject to qualifying international spend; page retains older LoungeKey wording in another section.

Monthly interest rate: 3.85%. Bank FX charge: Confirm with bank.

First-year fee waiver requires AED 24,000 spend within 365 days. Your forecast meets the spend target.

Not estimated: Smiles redemption is merchant-specific and no single verified AED-per-point value is assumed. Reduced MCC earn rates and eligible merchant points caps require separate inputs.

First year annual fee waived. AED 525 including VAT from year two, waived after AED 24,000 annual retail spend.

Earn 10 Smiles points/AED at e&/Etisalat channels, Smiles app and elGrocer, capped at 25,000 points/month; up to 3/AED international and 2/AED domestic. Listed reduced categories earn differently.

Quarterly bonus 5,000 Smiles points after AED 10,000 cumulative spend in the preceding calendar quarter; paid at the next quarter start. Points are not assigned a generic cash rate.

90-day Smiles Unlimited subscription and AED 200 Unravel hotel discount have restrictions. Further free subscription renewal depends on 25,000 qualifying points in the prior 60 days; otherwise paid renewal may apply.

Current main lounge section says Visa Airport Companion; a separate section still says LoungeKey. Eight visits/year and qualifying international spend are stated; verify the app and activation before travel.

Finance 3.85% monthly in linked SOC. Foreign-fee row 2.99% and VAT/network wording are ambiguous; bank-only FX remains unconfirmed.

Official product page

VAT-inclusive card schedule of charges

Exact official issuer artwork; retrieved and visually inspected. The bank uses an in-phone product image on this page. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Emirates Islamic Skywards Signature Credit Card review and fee maths

Current welcome campaigns are excluded until the exact dated campaign and qualification are confirmed. Lounge instructions differ across bank sections.

Reel Buy 1 Get 1: up to two tickets/month with AED 3,000 monthly retail spend; 20% Roxy discount through 30 April 2027. Check format and booking terms. · Visa Airport Companion: unlimited eligible lounge visits with one guest, subject to qualifying foreign-currency spend. First free-visit wording differs across issuer sections; verify in the app before travelling.

Monthly profit rate: 3.69%. Bank FX charge: 2.54%.

First-year fee waiver requires AED 5,000 spend within 90 days. Your forecast meets the spend target.

Models published direct-merchant earning at AED 3.673 per reference USD, with reduced MCCs. Assumes ordinary dining, non-EEA/UK general international retail and eligible spend within assigned credit limit; airline-specific spend, fast-food and merchant/geography overlaps need separate treatment.

Annual fee AED 735 including VAT. The bank currently advertises first-year fee waiver after AED 5,000 retail spend within 90 days; subsequent annual waiver requires AED 30,000 annual spend. Confirm application conditions.

Detailed issuer earn grid takes precedence over rounded FAQ examples: miles/reference USD at AED 3.673. Specific MCCs have reduced rates; EEA/UK spend earns 0.275 miles/reference USD. Earn is limited to assigned card credit limit; excluded cash and bank-channel bill payments earn no miles.

The detailed grid treats specific domestic/international MCCs separately, while the FAQ describes broad international earning. Model assumes general non-EEA/UK international retail; reduced-MCC or regional overseas purchases need confirmation.

Foreign fee 2.54% including VAT plus network approximately 1.15%. Monthly published profit 3.69%; check the signed offer and total borrowing cost.

Lounge eligibility uses foreign-currency spend equivalent to USD 1; product and quick-guide sections differ on first complimentary visit allowance and lead time. Confirm actual activation rather than assuming immediate entry.

Cinema: up to two Reel Buy 1 Get 1 tickets/month after AED 3,000 monthly retail spend, plus 20% Roxy offer through 30 April 2027. Valet monthly spend qualification is AED 7,500 for Black / AED 5,000 for Signature from 1 March 2026. Golf qualification and booking rules apply.

Official product page

Detailed Skywards category and EEA/UK earn table

VAT-inclusive card schedule of charges

Official catalogue: salary and artwork

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Emirates Islamic RTA Platinum Credit Card review and fee maths

Reel Buy 1 Get 1 tickets subject to AED 3,000 monthly retail spend, eligible formats and current booking terms. · No complimentary access verified

Monthly profit rate: 3.69%. Bank FX charge: 2.54%.

Models ordinary domestic dining/shopping, groceries at 1%, education at 0.13%, fuel 10% capped AED 75, and general non-EEA/UK international spend 2.25%. Utilities excluded conservatively as government/bank-channel payments. RTA/Salik, fast food, telecom and other specific MCCs require separate inputs.

No annual membership fee on RTA Platinum. AED 1,000 minimum retail spend per statement cycle to earn cashback from 1 March 2025; minimum 300 cashback points for redemption, two-year reward validity and assigned-credit-limit earning cap.

Fuel 10% cashback capped AED 75/month and RTA transport 10% capped separately at AED 75/month. Eligible RTA ticket offices, vending machines and approved agents differ from online RTA/Nol/Salik transactions, which the issuer identifies as unrewarded smart-government payments.

General international 2.25%, domestic 1.25%, EEA/UK 0.56%, groceries 1%, fast food 0.31%, auto/insurance 0.19%, education/telecom/real estate 0.13%. Government transactions, charity and bank-channel bills are excluded.

Model uses zero for utility/government spending and does not assign an accelerated Salik rate. Actual merchant/channel controls eligibility.

FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement. Built-in Nol wallet and credit-card account remain separate.

Official product page

VAT-inclusive card schedule of charges

Official catalogue: salary and artwork

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Emirates Islamic Cashback Plus Credit Card review and fee maths

Tiered supermarket, education, dining and separately entered telecom earning is modelled. Each eligible category has its own AED 200 cap; no broad 10% rate is applied to other spending.

Reel Buy 1 Get 1 tickets after AED 3,000 monthly retail spend; Roxy 20% discount through 30 April 2027. Eligible ticket and booking rules apply. · Visa Airport Companion: unlimited eligible airport lounge access, subject to foreign-currency activation and current issuer conditions.

Monthly profit rate: 3.69%. Bank FX charge: 2.54%.

First-year fee waiver requires AED 5,000 spend within 90 days. Your forecast meets the spend target.

Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.

Monthly total spend below AED 3,000 earns no cashback; AED 3,000–9,999 earns 3%, AED 10,000–17,499 earns 5%, AED 17,500+ earns 10% on qualifying supermarkets, education, dining and telecom. Each category has a separate AED 200/month cap.

One cashback point equals AED 1. There is no verified broad 10% cashback on all spending; telecom must be identified separately and not inferred from general utility input.

Annual fee AED 313.95 including VAT. Current catalogue advertises first-year waiver after AED 5,000 qualifying retail spend within 90 days and subsequent annual waiver after AED 30,000. The calculator first-year waiver is conditional.

One complimentary valet/month needs AED 5,000 monthly spend from 1 March 2026. Two golf rounds/month, lounge, takaful and meet-and-greet benefits have additional issuer/provider eligibility.

FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement.

Official product page

VAT-inclusive card schedule of charges

Official catalogue: salary, fee waiver and artwork

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 500 new-customer welcome after AED 5,000 in first two months; existing-customer offer differs. The 60-day engine window approximates the bank’s calendar-month wording.

Qualifying welcome value: AED 500. Requires AED 5,000 spend within 60 days.

Fees, rewards & eligibility

Read the full Mashreq noon Credit Card review and fee maths

Cinepolis Oasis Mall Sharjah: 50% off Deluxe-Plus seats, up to eight tickets/month; offer through 31 December 2026. · No complimentary access verified

Monthly interest rate: 3.85%. Bank FX charge: 2.89%.

AED 500 new-customer welcome after AED 5,000 in first two months; existing-customer offer differs. The 60-day engine window approximates the bank’s calendar-month wording.

Ordinary eligible retail modelled at 1%, direct school/utility/fuel reduced categories 0.33%; noon ecosystem 5% requires separate verified merchant spend. Rewards are restricted noon credits, not bank statement cashback.

Current official name is Mashreq noon Credit Card. VIP survives in older campaigns, card-image filename and noon membership URLs; it is not treated as a separate currently advertised product.

Free for life. Earn 5% restricted noon credits at noon, noon Food, noon Minutes, noon supermall, NowNow and Namshi; 1% ordinary eligible retail; 0.33% government, utilities, education, charity, fuel, rental and telecom. No minimum earning spend; assigned monthly credit limit still caps earning spend.

Cashback transfers monthly to the linked noon account and redeems at noon checkout; it is not freely withdrawable statement cashback. Bank-channel bill payments, cash/transfer facilities, charges and reversed purchases are excluded.

Standard welcome headline AED 500 for new Mashreq credit-card customers after AED 5,000 in the first two months; existing customers AED 100. Sixty days is a planning approximation: exact calendar-month and exclusion rules depend on application offer. Confirm payout form and new-customer eligibility.

Monthly interest 3.85%; international bank spread 2.89% VAT not applicable, plus Visa/Mastercard network charges. No complimentary lounge access was verified.

Official product page

Current bilingual card KFS

noon cashback terms

Welcome offer terms

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source