Dubai First is a specialized credit card provider established in 2007, now part of First Abu Dhabi Bank (FAB). Originally launched as a consumer finance company, Dubai First focuses on innovative credit card products and has carved out a niche in the UAE market. Dubai First credit cards in UAE are known for their attractive offers – from low interest rates to high cashback – appealing to customers who seek value and lifestyle perks. Headquartered in Dubai (with offices across the UAE), Dubai First built its brand around credit cards, earning awards for its card programs and even being the first to launch a card exclusively for UAE nationals. Now under FAB's umbrella, it continues to offer competitive cards backed by the security of a major bank.
Dubai First is a specialized credit card provider established in 2007, now part of First Abu Dhabi Bank (FAB). Originally launched as a consumer finance company, Dubai First focuses on innovative credit card products and has carved out a niche in the UAE market. Dubai First credit cards in UAE are known for their attractive offers – from low interest rates to high cashback – appealing to customers who seek value and lifestyle perks. Headquartered in Dubai (with offices across the UAE), Dubai First built its brand around credit cards, earning awards for its card programs and even being the first to launch a card exclusively for UAE nationals. Now under FAB's umbrella, it continues to offer competitive cards backed by the security of a major bank.
Credit Card Strengths
- Low Interest & Easy Payments: Dubai First offers a Low-Rate Credit Card with interest as low as 1.5% per month on outstanding balances – ideal for those who carry a balance. They also feature flexible payment plans (e.g. 0% interest on balance transfers and Quick Cash for 6 and 12 months) to help cardholders manage repayments affordably.
- High Cashback & Rewards: The Dubai First Cashback Card provides up to 6% instant cashback on key spending categories (such as groceries, dining, and fuel), one of the highest rates in the UAE. Other cards earn loyalty points (e.g. Skyy Miles, First Rewards) that can be redeemed for flights, shopping, or bills, catering to both cashback seekers and travel rewards enthusiasts.
- Lifestyle Privileges: True to its tagline "Serve as you spend," Dubai First loads its cards with lifestyle perks. Cardholders enjoy buy-one-get-one-free deals on dining and entertainment, discounted tickets to attractions, and complimentary airport lounge access on premium tiers. Notably, the flagship Dubai First Royale Card is an ultra-premium offering with VIP privileges, reflecting the brand's innovative spirit.
Who Should Consider Dubai First Cards?
- Deal Hunters: Shoppers who want maximum savings through cashback and discounts. If you spend heavily on everyday categories and love promotions, Dubai First's generous cashback and BOGO offers will appeal.
- Balance Carriers: Individuals looking for low interest credit cards to consolidate debt or carry a balance at a minimal finance charge. The Low-Rate card's 1.5% interest and easy installment options are tailored for you.
- Young Professionals: Millennials and expats starting out in the UAE who seek feature-rich cards without stringent requirements. With minimum salary requirements around AED 5,000 and even a card designed for UAE nationals, Dubai First is accessible and focused on local needs.
- FAB Banking Customers: Existing First Abu Dhabi Bank customers (or those considering FAB) who want a credit card under the FAB group that offers specialized rewards and can be managed alongside their FAB accounts.
Key Benefits
Dubai First credit cards come with distinct benefits that set them apart. Many cards have no annual fee for the first year (or even free for life), lowering the cost of ownership. Cardholders can tap into Dubai First's robust rewards ecosystem – whether it's earning points on the Miles cards to redeem on travel, or enjoying 6% cashback straight off their bill with the Cashback Card. There is also an emphasis on lifestyle: Dubai First partners with popular UAE merchants and platforms to give cardholders monthly deals (e.g. cinema ticket discounts, theme park offers, and shopping vouchers).
Under FAB's digital banking integration, Dubai First customers can use FAB's mobile app and online portal to track spending, pay bills, and redeem rewards seamlessly. Additionally, customer service and support are backed by FAB's extensive network, ensuring reliability.
In summary, Dubai First merges the flexibility of a boutique card provider with the strength of a leading bank. If you're seeking a card with low rates, big cashback, and plenty of perks, Dubai First has a solution. Compare Dubai First cards to pick the best fit and apply – unlock a world of rewards and savings today.
