Best Credit Card in UAE 2023

The best credit cards in UAE

There are many great credit cards in the UAE, but which one is right for you? It depends on your spending patterns and what you’re looking for in a credit card. Do you want cash back or rewards points? Do you spend more on petrol or travel?

The best way to find the best credit card for you is to compare different offers and see which one suits your needs the most. Here are some of the best credit cards in the UAE:

1. Citi Simplicity Credit Card:

This credit card is considered to be one of the best credit card in UAE because it gives no burden of cash advance fee, annual fee, and late payment fee which is usually seen in other credit cards. If you have AED 5000 per month salary then you are eligible to buy this card.

Key features:

• No imposition of over the limit fee that can save you from a heavy debt burden ratio.
• For this, you only have to have a minimum salary of AED 5,000 per month along with a 0 % rate of interest for half a year of installments.
• You can avail exciting dining and entertainment discounts.
• There is Airport lounge access available.
• It provides you plenty of complimentary supplementary cards for your loved ones.
• You can Paylite and access to quick cash.

Top five credit cards in different categories in UAE:

1. Top five cashback credit cards in UAE

• MASHREQ Cashback Credit Card:

The MASHREQ credit card takes guarantee of your purchase protection along with travel insurance and extended warranty.  The interest rate on this card is 3.45 percent and provides you 5 percent cash back on dining spends in the UAE.

• CITI Cashback Credit Card:

This credit card provides you excellent cashback on your international expense. It gives you travel insurance, balance transfer, unlimited and automatic cashback and airport lounge access. The credit rate is 3.50 percent.

• FAB Credit Card:

This credit card gives you various key benefits including cinema tickets, airport lounge access, a balance transfer, dining offers, and health and fitness too. There is avail of up to 2 discounted tickets at VOX. The interest rate is 3.50 percent.

• ADIB Cashback Visa Platinum Card:

This is a credit cashback card offered by the Abu Dhabi Islamic Bank (ADIB) with minimum credit balance of AED 8,000. It has various sound benefits entailed in it that are gold offers, cinema ticket, balance transfer, air miles, roadside assistance, airport lounge access, purchase protection, etc.

• Visa Platinum Credit Card:

This cashback credit card in UAE is something that provides platinum benefits like purchase protection, car registration, valet parking, golf offers, cinema tickets, airport chauffeur services, extended warranty, health, and fitness, etc.

2. Top Five Cinema Offer Credit Cards in UAE

• Mashreq Novo Credit Card:

This cinema offer credit card is the only card that gives you a 50% offer on your cinema tickets. Isn’t that amazing? Not only this it also offers high line benefits to its cardholders and offers around eight movie tickets at discounts. It gives you credit shield coverage too.

• ADCB Simplylife cashback credit card:

It provides you best movie offers including two movie tickets free per month where you can get a 100% cashback offer as well. You can make easy instalment payments at reasonable rate and balance transfer facility.

• CBD Smiles Visa Signature Credit Card:

It is one of the top-line feature credit cards that offers you special discounts and a welcome bonus of 50000 smiles points and 50% discount on your cinema tickets.

• Emirates Citibank Ultima Credit Card:

This gives various movie discounts like you can get one movie ticket free on buying one only at Reel and Vox Cinemas per month. Also, you can avail various other discounts on restaurant and other entertainments.

• Emirates NBD Go4it Gold Card:

The cinema enthusiasts would love to have this card as it provides a 50% discount on movie tickets at VOX Cinemas. They can use the Visa credit cards to avail themselves of the benefits and can also earn various points.

3. Top Five Reward Point Credit Cards in UAE

• FAB Platinum Visa Credit Card:

This credit card has a high variety of features and offers that can be availed throughout the world. The lifestyle benefits, complimentary travel insurance, and reward stars on each dirham spent are all that you can earn in this card. It is best for moviegoers and travelers.

• Emirates Islamic Flex Elite Credit Card:

It is a premium credit card used in UAE that offers lucrative rewards and unmatchable benefits. It comes with an almost complete reward points package including from EI Smart Miles to Visa Paywave and many outstanding features that could best suit you.

• ADIB Value+ Credit Card:

As this is one of the best credit cards one could have so you can choose this also if you are looking for reward point credit card as it offers rewards with a higher range which you can redeem any time.

• HSBC Platinum Select Credit Card:

This a reward point credit card that will give you utmost leisure with its exciting privileges and offers. Besides, you can even get 1 Air Mile for every AED 4 through this card.

• ADCB Touchpoint Infinite Credit Card:

This card is entailed with many offers and leisure benefits that can be availed on dining, entertainment, and Careem rides. You can even earn bonus points of 15000 on each AED 15000 per month.

4. Top Five Balance Transfer Credit Cards in UAE

•  Emirates Islamic Skywards Infinite Credit Card:

The card gives you a crystal chance to clear off your outstanding balance of other banks without any inconvenience. You can earn Skywards Miles for every spent dirham. One of the best credit card in UAE with its innovative features like balance transfer, complimentary lounge access, multi-trip, instant cash advance, purchase protection, etc.

• Mashreq Platinum Elite Credit Card:

This card not only gives you maximum discounts but also gives you the health club memberships. You can pay off your card balance in an easier way via monthly installments. It offers you an easy payment plan for its cardmembers. There is a credit shield, revolving balance transfer and wallet protect too.

• Deem MasterCard Titanium Cash Up Credit Card

It can be the best when it comes to controlling the finances and repayment of your outstanding balances conveniently. You can avail of its top rewards including cash up, car rentals, easy payment plan, strict card protection, etc.

• ADCB Etihad Guest Platinum Credit Card:

This is the only card that offers a balance transfer facility for two years for elite persons. Its unique features are card control, extended warranty, credit shield, allowance of 55 interest-free days, etc. Convenient payment options include mobile banking and personal internet banking.

• HSBC Black Credit Card:

This credit card offers you a 0% interest rate on your balance transfer. You can avail of movie discounts, golf offers, and airport lounge access too. If you want to save on the interest amount then this card is best to be chosen for use.

How to choose the right credit card

There are a few things to consider when choosing the right credit card in UAE. The first is what type of card you want: cash back, rewards, or low interest. Second, what is your credit score? This will help determine which card you qualify for. Third, what are the fees associated with each card? Make sure to compare and contrast before making a final decision. And lastly, make sure the card you choose aligns with your spending habits.

The benefits of using a credit card

There are many benefits of using a credit card, including the ability to earn rewards points, cash back, and other perks. Credit cards also offer protection against fraud and provide a convenient way to make purchases.

How to use a credit card responsibly

If you’re new to using credit cards, or if you’re looking to improve your credit card habits, here are some tips on how to use a credit card responsibly.

1. Make sure you can afford the monthly payments.

Before you charge anything on your credit card, make sure you can afford the monthly payments. That means keeping track of your spending and not charging more than you can pay off each month.

2. Pay your bill on time.

One of the most important things you can do with a credit card is pay your bill on time, every month. This will help you avoid late fees and keep your interest rates low.

3. Keep your balances low.

Another important factor in using a credit card responsibly is to keep your balances low. That means not maxing out your credit limit and carrying a balance from month to month. Try to keep your balances below 30% of your total credit limit.

4. Use rewards wisely.

If you have a rewards credit card, use it wisely! That means taking advantage of the points or cash back offers, but not spending more just to get the rewards. Use the rewards to save money or pay down debt instead of racking up more debt.

The disadvantages of credit cards

There are a few disadvantages of using credit cards in the UAE that customers should be aware of. First, if you don’t pay your bill in full and on time, you’ll be charged interest. This can add up quickly, especially if you’re carrying a balance from month to month. Second, many credit cards have annual fees. These fees can range from AED 100 to AED 1000 or more, so it’s important to compare different cards before deciding which one is right for you. Third, some merchants charge a “foreign transaction fee” when you use your credit card abroad. This fee is typically around 3% of the total purchase price, so it’s something to keep in mind if you plan on using your card while traveling. Finally, if you misuse your credit card or rack up a lot of debt, it can damage your credit score. This can make it difficult to get approved for loans or lines of credit in the future.

Conclusion

If you are looking for the best credit cards in UAE for 2023, this guide has provided a comprehensive overview of the options available. We have discussed the benefits and drawbacks of each card to give you an informed decision on which one will suit your needs best. Weigh up these factors according to your personal circumstances and shop around with different providers to get the most competitive rate before settling on any particular card. With so many excellent choices out there, finding a great credit card should be easy!

Top Credit Cards by Categories

• Cashback Credit Cards
• Zero Annual Fee Credit Cards
• Travel or Air Miles Credit Cards
• Reward Point Credit Cards
• Islamic Credit Cards

Top Credit Cards by Features

• Cinema Offers Credit Cards
• Golf Offers Credit Cards
• Dining Offers Credit Cards
• Airport Lounge Access Credit Cards

Top Credit Cards by Bank

• Bank FAB Credit Cards
• Emirates NBD Credit Cards
• Citibank UAE Credit Cards
• Dubai Islamic Banks Credit Cards
• ADCB Credit Cards
• ADIB Credit Cards
• Deem Finance Credit Cards
• CBD Credit Cards
• Mashreq Bank Credit Cards
• Emirates Islamic Bank Credit Cards
• HSBC Credit Cards
• Najm Credit Cards
• RAK Bank Credit Cards