Credit cards are self-explanatory. Almost everyone has enjoyed the perks of having these at some point in their lives. For those that haven’t had one before, credit cards make it possible to buy services or products on credit for a modest cost. It is a cash substitute that allows you to easily make online and store-based purchases. In this article, we provide you with every detail that you need to know about the topic which is the best credit cards in Dubai and its benefits, how to apply for it, and more. Read thoroughly to know more.
How to get credit card easily in Dubai?
Dubai provides Shariah-compliant credit cards centered on ‘Bai Inah,’ ‘Wadiah,’ and ‘Qardhul Hassan.’ Dubai’s high cost of life renders it a must-have financial instrument for everyone. It has become essential for all Dubai residents.
With increased credit card usage and competitiveness, banks in Dubai have begun to provide huge perks and great deals, each card is designed for a unique purpose.
You can evaluate credit cards by factors like their perks, characteristics, and eligibility. You can get your hands on the finest credit cards in Dubai and request a card online effortlessly.
List of Best credit cards in Dubai
Below is the list of the best credit cards in Dubai.
1. Mashreq Cashback Credit Card
The Mashreq Cashback Credit Card is among Mashreq Bank’s finest credit cards. This card is perfect for shopping since cardholders may receive cash back in loyalty points on all shopping. The cashback gained can then be turned into straight statement credit. In addition to cash back, the Mashreq Bank credit card offers many extra advantages and deals that no other credit card in Dubai can match.
The following are the main features of the Mashreq Cashback Credit Card:
It has a 0% interest payment plan
The Mashreq Cashback Credit Card offers a 0% interest payment plan. It allows cardholders to use this card to make purchases of AED 1000 or more, which the bank converts into equal monthly payments at merchant outlets at a 0% interest rate.
The simple payment plan is a service provided by Mashreq Bank that allows consumers to make large payments all at once, which may then be broken down into little chunks and simply reimbursed to the financial institution.
It is perpetually free
The Mashreq Cashback Credit Card is a credit card that is free for life since it never charges an annual membership fee. Unlike other cashback credit cards, which require the cardholder to pay an annual fee, this one-of-a-kind financial instrument has no such requirement.
It enables balance transfers
Cardholders can transfer their outstanding credit card balances to this Mashreq Cashback card at a low-interest rate. Most credit cards now provide a balance transfer option, allowing customers to shift their existing financial commitments to a credit card they can repay at a cheaper interest rate.
One thing to keep in mind when transferring a balance to a credit card is that the cardholder will be required to pay balance transfer fees.
Some of the major benefits of the Mashreq credit card are as follows:
It includes travel insurance
Holders of this Mashreq credit card will take advantage of multi-trip travel insurance, which covers medical emergencies, lost baggage, and trip cancellation. In addition, it provides several extra incentives that allow cardholders to get the best out of their trip.
It includes purchasing protection
The Mashreq Cashback Credit card includes a transaction protection option that protects against unintentional damage or theft of things purchased with this card.
It comes with an extended warranty
Holders of this credit card can also take advantage of the extended warranty option, which doubles the repair term offered by the original manufacturer’s guarantee for a maximum of one year. It will now protect the cardholder against the expense of repairing or replacing an item purchased with this card.
2. Emirates Citibank Ultima Credit Card
The Emirates ultima credit card is one of the best credit cards in Dubai rated by some customer feedback because it also provides customers with a variety of special advantages. When they use the card, they can earn the most Skywards Miles. The cardholder may earn well over 1,50,000 Skywards miles per year with their ordinary spending.
The Metal Card offers distinct perks that allow the holder to save upwards of AED 50,000 each year. They can gain up to 2.5 Skywards Miles for each USD spent.
The following are the main features of the Emirates Citibank Ultima Credit Card:
It features an international concierge
The cardholder can use the worldwide concierge service around the clock to help them organize their dinner plans or purchase airline tickets, theater tickets, etc. The cardholder can contact Mastercard Concierge to book reservations.
It includes travel insurance
The cardholder is entitled to complimentary travel accident insurance and reimbursement for the inconvenience caused by missed/delayed flights and luggage. Tickets purchased using the Emirates Ultima Credit Card are covered by insurance.
Some of the major benefits of the Emirates Citibank Ultima Credit Card are as follows:
It includes a golf benefit
During the week, the principal cardholder and any supplementary cardholder(s) will have free entry to golf courses an unlimited number of times. In addition, the principal cardholder will receive one free round of golf each month, anytime during the week.
It also has dining benefits
The cardholder will enjoy the culinary delights provided by Citi’s dining program. They can get up to a 20% discount at some eateries.
3. Citi Cash Back Credit Card
Citibank Cashback Credit Card provides incredible bonuses and incentives, such as Buy One Get One Free cinema tickets, dining rebates, travel rewards, and so on. If the individual applies for the credit card online, they will be rewarded up to AED 1,500 if they meet the required financial targets.
The cardholder may spend it any way they see fit. Citibank Cash Back Credit Card provides its cardholders with a variety of options. True to its name, the credit card provides the highest payback across a broad range of categories, allowing the user to get the most benefits from the card.
The following are some of the main features of the Citibank Cash Back Credit Card:
It has a cashback feature
The credit card provides infinite rewards across various buying categories supplied by partner businesses. It gives 3% cash back on overseas purchases, 2% cash back on grocery purchases, and 1% cash back on all other purchases.
There are no caps on it
The Citibank Cash Back Credit Card has no limit when earning cash back. It gives the cardholder the much-needed independence and flexibility to use their card as they see fit.
Some of the major benefits of the Citibank Cash Back Credit Card are as follows:
There are benefits to using airport lounges for free
The cardholder is entitled to complimentary entry to over 1,000 airport lounges worldwide. They can relax and unwind with the aid of this function. This perk is available to both primary and supplemental cardholders.
There are insurance benefits for travel disruption
Because travel exposes individuals to various risks, including flight delays, flight interruptions, and delayed checked-in luggage, Mastercard will give compensation in the event of any covered occurrence.
4. ADCB Traveller Credit Card
In 2017, Abu Dhabi Commercial Bank (ADCB) launched its unique Traveller Credit Card to assist Dubai’s frequent fliers and travelers in saving significantly on travel expenditures. Since its launch, the card has consistently been one of Dubai’s most popular credit cards.
The ADCB Traveller Credit Card is one of the best credit cards in Dubai and ideal for business jet setters and leisure tourists, and it comes with a slew of unrivaled perks and privileges for Dubai travelers.
The bank made this credit card and deliberately planned it in partnership with Cleartrip, Hotels.com, and MasterCard. It assures appealing travel-related deals, interesting discounts, and limitless savings for Dubai’s visitors.
The following are some of the features of the ADCB Traveller Credit Card:
- It provides free admission to the airport lounge. Cardholders and supplemental cards get unrestricted gratis access to over 900 luxury airport lounges worldwide.
- It also has no foreign exchange costs. There is no foreign currency charge applied to international purchases made via the ADCB Traveller Credit Card.
Some of the major benefits of the ADCB Traveller Credit Card are as follows:
- It has the benefit of card management. The ADCB mobile application enables card members to manage and regulate transactions and establish spending restrictions using smartphones.
- It does not have a grace period. Holders of this ADCB credit card can take advantage of a no-interest period of up to 55 days, provided they continue to settle their current debt in full before or on the billing date.
5. Standard Chartered Manhattan Platinum Credit Card
This credit card provides unique features and enables the member to earn points on purchases, eating, and entertainment. In addition, the card user may save more than 10,000 AED per year. Cardholders can also get discounts on movie tickets, beverages, travel, and hotels, among other things.
The following are some of the features of the Standard Chartered Manhattan Platinum Credit Card:
- It provides Visa entertainer. To get numerous discounts, the cardholder can install the application Visa Offers Mena sponsored by “The Entertainer” and enroll in this credit card.
- On Sundays, it also provides a discount at VOX movies. This credit card provides a 50% discount on movie tickets purchased online through VOX Cinemas on Sundays.
Some of the major benefits of the Standard Chartered Manhattan Platinum Credit Card are as follows:
- It has golf benefits. This credit card provides a 20% discount at the UAE’s most elite golf clubs.
- It provides a discount on Hotels.com. The cardholder can get a maximum 10% discount on hotels.com by entering the promotional code SCBUAE12.
Points to remember when you compare credit credits in UAE
Given the number of credit cards in the UAE, it might be tough to determine the ideal card for you. Here is the ideal method for selecting the correct card:
- Determine why you want a credit card.
- Determine why you want a credit card.
- Reduce the type of credit card you want.
- Examine your credit score and report.
- Request a credit card.
Eligibility criteria for Credit Card
The institution will collect the necessary documentation when they approve your credit card application in the UAE. Each institution has its own set of criteria for issuing a credit card. The usual requirements for obtaining credit cards in the UAE are listed below.
- You must have a valid Emirates ID card and a passport.
- You must provide income documentation.
- You must be a minimum age of 18+ years.
- You must have a valid UAE cellphone number.
How to apply for a credit card?
Once you’ve compared credit cards in Dubai and chosen the best one for you, you may go on to apply for the card. Almost all banks now provide safe and consumer-friendly online banking facilities.
These platforms or e-banking, using a mobile app, can be used by the applicant to apply for a credit card. Applicants can also apply for a credit card at their local bank branch.
If you want the best credit cards in Dubai that meet all your needs, evaluate the points listed above before making your decision.
After carefully evaluating them, choose the credit card of your preference and enjoy the benefits and perks it provides.
A credit card may be quite useful; however, be certain to make your timely payments to prevent accruing debt.
Frequently Asked Questions
How can I benefit from a credit card?
It will enable you to purchase anything on credit, travel easily, insurance coverage, and many more.
Can a minor avail of a credit card?
No, according to the banking policy. People with major accounts can avail of a credit cart
Do I need documents to apply for a credit card?
Yes, you should provide all the necessary documents.
Can I get discounts while using credit cards?
Yes, according to the type of credit card, you can avail of discounts on purchases
How will it help?
It helps you move freely and hassle-free transactions. You do not have to worry if you are short on money.
A tech enthusiast turned writer with over 7 years of experience in writing about diverse topics like finance, real estate, crypto, marketing, technology, gadgets, and much more. His experience gave him the confidence and expertise to write engaging content that is easy to understand and absorb.