Compare Credit Cards in UAE

Emirates NBD Duo wins for families and heavy bill payers with its unbeatable 2% cashback on utilities and school fees. ADCB 365 is better for simplicity seekers who want hassle-free 1% on everything.

FAB Cashback wins for grocery-heavy households with its unbeatable 5% cashback at Carrefour and 2% at other supermarkets. Mashreq Solitaire is the better choice if you spend more on fuel and dining out, with higher rewards in those categories. Both cards are free for life, making them excellent no-risk options.

DIB Prime edges ahead for budget-conscious UAE residents seeking Shariah-compliant banking with its competitive 5% cashback on select categories and strong Islamic credentials. RAKBANK Titanium offers better grocery and fuel rewards for those who prefer conventional banking. Both are excellent entry-level cards with the lowest salary requirement in the market.

Emirates NBD Skywards Infinite wins for dedicated Emirates flyers who value Silver status, direct mile earning, and the Emirates ecosystem. ADCB TouchPoints Infinite is better for travelers who want flexibility—redeem points for any airline, hotel, or cashback. If you fly Emirates 3+ times yearly, Skywards is worth it. For flexible travelers, TouchPoints offers superior value.

CBD Titanium wins for most new expats with its straightforward cashback and zero annual fee. CBD Smiles is only better if you're an active Etisalat user who redeems Smiles points for du/Etisalat bills or lifestyle vouchers. Both cards require just AED 5,000 salary—perfect for fresh graduates and new arrivals to the UAE.

Liv. edges ahead with superior lifestyle integrations, Goal accounts, and a more mature rewards ecosystem. Mashreq Neo excels at instant setup and zero forex fees for travelers.

FAB Etihad Guest Infinite wins on pure value: higher earn rates (29-200% more across categories), larger welcome bonus (110k vs 100k), free first year, and the game-changing 75% discount voucher for high spenders. Emirates NBD Skywards Infinite wins on convenience with instant Silver status, Emirates lounge access, and 3-year miles validity. For Emirates-loyal flyers who value status perks, Skywards is worth it. For everyone else seeking maximum return on spend, FAB delivers superior value.

Mashreq noon wins for heavy noon.com marketplace shoppers with its uncapped 5% cashback on all noon platforms. ENBD noon One wins for food delivery addicts with 20% back on noon Food and 10% on NowNow. Both are free for life with AED 5,000 salary—the real winner depends on whether you order food or shop electronics more on noon.

ADCB 365 wins for pure grocery savings with 5% vs 4%, and is free for life. ADIB Cashback Visa wins for versatility—4% across six categories (groceries, fuel, dining, education, utilities, automobile) with Shariah compliance and no minimum salary. If groceries dominate your spend, ADCB. If you want broad 4% coverage and Islamic banking, ADIB is the better all-rounder.

SIB Cashback Titanium wins for online shoppers with its extraordinary 10% cashback on digital wallet and online purchases, plus airport lounge access and Shariah compliance. Wio Credit wins for simplicity and international use with flat 2% on everything, zero FX fees, and a superior digital experience. SIB is the specialist; Wio is the all-rounder.

ADCB Traveller delivers significantly better value for most UAE travelers with 0% foreign transaction fees, Priority Pass lounge access, and strong travel earn rates—all for just AED 500/year. Citi Ultima is the premium play for ultra-high earners who fly Emirates exclusively, offering Skywards Silver status, unlimited global lounges, and a metal card. Unless you earn AED 36K+ and are locked into the Emirates ecosystem, ADCB Traveller wins.

Dubai First Cashback wins for online shoppers and travelers with 5% on both online and supermarket purchases plus unlimited airport lounge access—a rare combo at this price. ADCB 365 wins for pure grocery + utility maximizers who want zero annual fees. If you shop online heavily or travel frequently, Dubai First delivers more total value despite the AED 300 fee.