Best UAE Credit Cards by Minimum Salary (AED 5,000 to AED 10,000)

Regular welcome offer

Qualifying welcome value: AED 365. Requires AED 5,000 spend within 45 days.

Fees, rewards & eligibility

Read the full ADCB 365 Cashback Credit Card review and fee maths

3% domestic groceries, 6% domestic dining, 5% fuel/Salik and eligible direct digital/AI subscriptions; 0.5% selected categories/EU retail, 1% other eligible retail. AED 5,000 monthly minimum; AED 1,000 cap.

VOX Buy 1 Get 1: up to four complimentary tickets per month per card; book the same screening on VOX website/app; eligible formats vary. · No complimentary access verified

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

Partial estimate: direct utility merchant assumed; school fees excluded conservatively. No separate subscription, Salik, EU geography or credit-limit inputs; merchant coding and assigned limit can reduce earnings.

AED 5,000 monthly retail threshold; AED 1,000 monthly cashback cap; earning spend is also limited to the assigned credit limit.

Model assumes direct utility-merchant payment at 0.5%. ADCB-channel bill payments are excluded; school fees remain excluded conservatively because the bank also lists education among selected 0.5% MCCs.

International estimate assumes eligible non-EU retail at 1%; EU retail earns 0.5%. Domestic category rates must not be applied indiscriminately to foreign transactions.

Direct eligible digital and AI subscriptions earn 5%; third-party/app-store billing does not qualify. The Islamic merchant list differs from the conventional list.

First-year annual fee waived; AED 383.25 including VAT from year two. AED 365 welcome cashback after AED 5,000 qualifying spend within 45 days; paid within 90 days, once per lifetime across 365 reissuance/conversion.

Official fees / key facts

Current product

Current schedule, September 2026

June 2026 eligibility guide

Supplemental terms; conventional June2026, Islamic link may retain older category table

VOX usage guide June2026

Official bank card artwork; designs 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 FAB Cashback Credit Card review and fee maths

5% on eligible domestic supermarkets, fashion and dining, each capped AED 150/month; 3% on eligible international spend; 1% other eligible retail and 0.15% selected MCCs. Cashback is processed through FAB Rewards.

Four AED 20 standard 2D tickets monthly at Reel, Cine Royal and Star Cinemas after AED 3,000 monthly spend; below-threshold discounts can be charged back. · Up to 8 annual visits for cardholder and 6 for guest; qualifying transaction and network conditions apply

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

General shopping uses the base rate because fashion MCCs cannot be identified from the generic shopping input. Previous-calendar-month threshold, total cap and issuer-approved credit-limit restriction apply.

Published AED 300 annual fee is modelled as AED 315 including 5% VAT.

AED 3,000 spend in the preceding month unlocks rewards. A new card is modelled with no rewards in month one, then 11 qualifying months.

Groceries and dining each capped at AED 150 monthly; total cashback capped at AED 1,000 or rewards earned up to the credit limit.

Education and utilities are modelled at the published select-category rate of 0.15%; merchant classification and bank-channel exclusions apply. Fuel is modelled as other eligible retail at 1%.

Fashion also earns 5%, capped AED 150/month; generic Online Shopping input does not imply fashion eligibility.

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.

Current October 2026 terms confirm the preceding-calendar-month spend gate; international currency takes precedence over the domestic 5% category rate.

Credit card fees (July 2026)

Cashback terms (October 2026 version 2)

Cinema terms (May 2026)

Current original FAB Mastercard World artwork; transparent bank-hosted PNG downloaded unchanged on 18 October 2026. WebP copy resized without cropping or changing the depicted card. Image source

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

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Wio Credit review and fee maths

No cinema benefit verified. · No complimentary access verified

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

Assumes the eligible Plus plan at AED 49/month. No deduction is made for My Money cashback already using the shared monthly cap. Salary or balance fee waivers, actual plan, merchant classification and approved limits can change the result.

The unsecured card minimum salary is AED 7,000. Salary-plan account eligibility is separate: generally AED 15,000, or AED 5,000 at partner companies.

Standard plan earns no cashback. Eligible credit purchases earn 2%; utility, government and real-estate payments earn 0.5%. The AED 2,500 monthly cap is shared with My Money account cashback. Cash equivalents, wallet funding and crypto are excluded.

The estimate includes Plus plan fees of AED 49/month including VAT. Plus fees are waived at AED 35,000 qualifying average balance; an eligible Salary plan is free. Neither waiver is automatically assumed.

The September tariff lists Plus rollover at 3.25% monthly and Salary at 2.29%, while Salary marketing says from 2.49%. The credit KFS directs customers to their individual in-app offer; no universal rate is asserted.

The August KFS separately describes a deposit-backed card with a limit up to 80% of the locked deposit. Its eligibility is separate from this unsecured card salary filter.

Exact credit-card FX pricing could not be isolated from debit-card pricing. Confirm the applicable credit transaction charges in the app.

Wio Personal Credit KFS version5, August2026

Wio September2026 schedule

Wio Salary plan: separate eligibility

Official Wio Card artwork; the same physical Mastercard supports debit and approved credit use. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 365. Requires AED 5,000 spend within 45 days.

Fees, rewards & eligibility

Read the full ADCB Islamic 365 Cashback Card review and fee maths

3% domestic groceries, 6% domestic dining, 5% fuel/Salik and eligible direct digital/AI subscriptions; 0.5% selected categories/EU retail, 1% other eligible retail. AED 5,000 monthly minimum; AED 1,000 cap.

VOX Buy 1 Get 1: up to four complimentary tickets per month per card; book the same screening on VOX website/app; eligible formats vary. · No complimentary access verified

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

Partial estimate: direct utility merchant assumed; school fees excluded conservatively. No separate subscription, Salik, EU geography or credit-limit inputs; merchant coding and assigned limit can reduce earnings.

AED 5,000 monthly retail threshold; AED 1,000 monthly cashback cap; earning spend is also limited to the assigned credit limit.

Model assumes direct utility-merchant payment at 0.5%. ADCB-channel bill payments are excluded; school fees remain excluded conservatively because the bank also lists education among selected 0.5% MCCs.

International estimate assumes eligible non-EU retail at 1%; EU retail earns 0.5%. Domestic category rates must not be applied indiscriminately to foreign transactions.

Direct eligible digital and AI subscriptions earn 5%; third-party/app-store billing does not qualify. The Islamic merchant list differs from the conventional list.

First-year annual fee waived; AED 383.25 including VAT from year two. AED 365 welcome cashback after AED 5,000 qualifying spend within 45 days; paid within 90 days, once per lifetime across 365 reissuance/conversion.

Islamic schedule specifically publishes 3.69% monthly profit for cards issued from 1 January 2023; older cards have a different rate. No conventional rate was substituted.

Current product

Current Islamic schedule, September 2026

June 2026 eligibility guide

Supplemental terms; conventional June2026, Islamic link may retain older category table

VOX usage guide June2026

Official bank card artwork; designs 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 FAB Cashback Islamic Credit Card review and fee maths

Issuer materials conflict: marketing says no minimum spend and different headline caps; detailed table and programme terms give AED 3,000 previous-calendar-month qualifying spend, AED 150/category and AED 1,000 total for expats (AED 200/category and AED 1,500 total for UAE nationals). Programme clauses 7 and 8 also contradict each other. Conservative expat schedule is used; confirm issued terms with FAB.

Detailed expat schedule: 5% groceries, fuel and dining, capped at AED 150 each; 3% foreign retail and 1% other eligible spend. Selected MCCs earn 0.15%.

No cinema benefit verified. · Mastercard World lounge benefit for cardholder and one guest; qualifying conditions apply.

Monthly profit rate: 3.99%. Bank FX charge: 2.61%.

Conservative detailed expat schedule and previous-calendar-month spend gate used while conflicting issuer copy remains. Visitor nationality, card-specific merchant classification and approved limit affect actual awards.

Conservative detailed expat schedule: 5% groceries/fuel/dining, each capped AED 150/month; 3% non-AED, 1% other eligible and 0.15% selected MCCs, AED 1,000 overall cap.

Detailed programme terms require AED 3,000 in the preceding calendar month; this model therefore assumes no rewards in the first calendar month. Marketing no-minimum-spend wording and clause 8 conflict and remain unresolved.

UAE-national detailed caps differ: AED 200 for each accelerated category and AED 1,500 overall.

Annual membership fee AED 300 excluding VAT = AED 315; retail profit rate up to 3.99% monthly.

The separate Islamic fee schedule states 2.61% international fee + 1.15% scheme charges and says fees inclusive of VAT unless otherwise specified; do not apply the conventional FAB extra-VAT fee assumption to this record.

Commodity Murabahah structure. Non-Shariah-compliant merchant types are blocked. Zero-profit instalment conversions and financial/fee transactions do not earn cashback.

Islamic fees (October 2025, currently linked)

Cashback Islamic programme terms

The official page browser title says Islamic Cashback Credit Card, while its visible H1 names the product FAB Cashback Islamic Credit Card. Use the H1 name. 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

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

AED 750 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 200. Amount/window must match digital application;60days in forecast is approximate.

Qualifying welcome value: AED 750. Requires AED 5,000 spend within 60 days.

Fees, rewards & eligibility

Read the full Platinum Plus Credit Card review and fee maths

10 Vantage points per AED on supermarket, fuel and dining; 2 on general retail and 0.5 on selected services.

50% off four tickets per billing cycle pooled across VOX, Reel and Novo via their websites/apps. Separate Cinepolis promotion: 50% off up to eight Deluxe-Plus tickets monthly at Oasis Mall, Sharjah through 31 December 2026. · Four complimentary lounge visits annually via LoungeKey, maximum two services per billing cycle after AED 7,000 retail purchases in the previous cycle. AED 110 per person per visit if the spend condition fails. Guest entitlement needs bank confirmation.

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

AED 750 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 200. Amount/window must match digital application;60days in forecast is approximate.

Verified cash redemption: 380 Mashreq Vantage points = AED 1 via Mashreq Mobile App. Vouchers and miles have different conversion values. Bill payments through Mashreq app/online do not earn. Merchant-specific perks are excluded.

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.

Current redemption table, effective 13 June 2026: 380 points = AED 1 cashback; 288 points = AED 1 noon gift card; 303 points = AED 1 Amazon/POS value; 32 points = 1 Skywards mile; 22 points = 1 Etihad Guest mile; 17 points = 1 Avios. Cash redemption is the model benchmark.

10 Vantage points per AED on supermarket, fuel and dining applies to domestic transactions. International transactions earn 2 points per AED, including foreign category spending.

Official Vantage programme

Current product

September2026 KFS

Current welcome terms

Current Vantage earning/redemption

Current lounge terms

VOX/Reel/Novo cinema

Cinepolis2026terms

Transparent hero artwork with a tilted silver card and substantial padding; Platinum Plus and VISA labels are visible. Image filename says 780x350; decoded dimensions are 780x530. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

First-year annual-fee waiver is advertised as a limited offer without a stated deadline. Confirm availability at approval.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Consumer Cashback Reward Card review and fee maths

3% on eligible UAE groceries, school fees, fuel and selected bills with individual caps; AED 3,000 monthly retail minimum. No cashback on general retail or non-UAE transactions is assumed.

No cinema benefit verified. · Not verified; confirm current benefit eligibility with DIB.

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

First-year annual-fee waiver is advertised as a limited offer without a stated deadline. Confirm availability at approval.

Direct merchant utility payments are assumed; bank-channel bill payments, telecom and auto-service extras are not separately modelled. Announced lower caps are applied conservatively.

Monthly retail purchases of AED 3,000 within a statement cycle are required for cashback.

Grocery and school caps effective 10 October 2026 are AED 200 per category monthly; fuel and utilities each cap at AED 100. Combined cap AED 1,000 per billing cycle.

Cashback is applicable only to UAE transactions. Utility and government bills paid through DIB platforms do not earn cashback; merchant classification and non-cash/personal-use rules apply.

Annual fee includes VAT: AED 210; up to 3.69% monthly Salam rate. Current fee schedule effective 12 October 2026 lists non-AED international usage 3.70%, overseas AED3.14%.

Current product page advertises a limited first-year fee waiver without dates. Confirm approved-card eligibility; do not interpret it as a permanent waiver.

Current official product and reward conditions

Current fees effective 12 October 2026

Official new covered-card key facts

Consumer Cashback is a family, not a single exact current product name. The old /consumer-card path redirects to this Reward product. Current official listing packshot, angled card perspective; small 248x190 source. 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 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 Super Saver Visa Signature Credit Card review and fee maths

Tiered B.E.S.T cashback is modelled conservatively. CBD bank-only FX and future-year annual-waiver details remain unconfirmed.

No cinema benefit verified. · Visa Airport Companion: up to eight complimentary lounge visits per calendar year; verify activation and qualifying international-spend rules.

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

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.

B.E.S.T cashback: AED 3,000–9,999.99 total monthly spend earns 3%, capped at AED 75 per category/AED 300 total; AED 10,000–19,999.99 earns 5%, capped at AED 100 per category/AED 400 total; AED 20,000+ earns 10%, capped at AED 150 per category/AED 600 total. Below AED 3,000 earns zero.

B.E.S.T is eligible water/electricity bills, school/college/university education, supermarkets and transport/fuel. Chiller, LPG, drinking-water supplies, driving classes and school uniforms/transport are excluded examples. Merchant classification and non-qualifying transactions still apply.

Annual fee AED 420 including VAT; first year free. Confirm the current annual-spend target for subsequent fee waiver before relying on it.

Linked February 2025 SOC lists finance 3.85% monthly. Its 2.99% foreign-fee row has contradictory wording on network inclusion and VAT; bank-only FX value is left unconfirmed to avoid double-counting scheme fees.

The product advertises up to AED 1,000 digital-wallet welcome bonus for applications by 5 November 2026. Full spend/crediting conditions were not retrieved; excluded from modelling.

Official product page

Official B.E.S.T cashback grid

Cashback and redemption terms

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 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 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