A credit card has become a necessity in UAE nowadays. You either want to go shopping, do groceries, or have dinner, you require a credit card for all of it. Several banks in the UAE offer a variety of credit cards.
After a detailed study and analysis, we have come up with the best credit cards for 2023.
List of top 10 Credit Cards in UAE
After checking and evaluation here are the list of top 10 best credit card in UAE 2023.
- Mashreq cash back credit card
- Citi bank simplicity credit card
- Mashreq platinum elite Credit Card
- Citi Cashback Credit Card
- FAB Visa infinite credit card
- CBD super saver Credit Card
- Standard Chartered Manhattan platinum credit card
- Deem cash up master card
- ADIB Etisalat Visa Platinum card
- RAK bank titanium Credit Card
Mashreq cash back credit card
Mashreq cash back credit card is one of the best credit cards of 2023 in the UAE. Here are the details of cashback, discounts, and various benefits.
Features
- Cashback
This credit card offers high cashback without any restrictions. It is for a lifetime and provides you with a lot of advantages.
- Interest rate
The interest rate charged on this credit card is 3.33%.
- Annual fees
You can enjoy the benefits of this card without any charges.
- Benefits
A welcome bonus of AED 500, discounts on Mashreq flavor restaurants, 20% off on Zomato and Netflix, unlimited dining offers, offers on noon and Etisalat, etc are some other benefits of using a Mashreq cash-back credit card.
Citi bank simplicity credit card
Next on the top credit card list is the Citi Bank simplicity Card. What makes this card the best? Let us investigate the details!
Features
You can get this top credit card with a minimum salary of AED 5000.
- Interest rate
This credit card charges an interest rate of 3.5%.
- Annual fees
This credit card does not require annual fees or over-limit fees.
- Advantages
More than 500 dining and entertainment discounts, turning large purchases into smaller transactions, access to airport lounges worldwide, quick cash on the click of a button, etc are some advantages of buying a Citi credit card.
Mashreq platinum elite Credit Card
Mashreq bank platinum elite Credit card is next on our list of the top ten credit cards in UAE. following are some amazing benefits it offers.
Features
- Minimum salary:
AED 7000 is the minimum salary required to avail of this credit card.
- Interest rate
This credit card charges an interest rate of 3.33%.
- Annual fees
This credit card charges AED 650 annually.
- Benefits
Benefits of this credit card are 50% off on movie tickets, Salam points on all shopping, 3 limousine rides every year, visits to fitness first, access to airport lounges, etc, and many others.
Citi Cashback Credit Card
Do you want to avail some awesome cashback offers?
Citi cashback credit card is one of the top 10 credit cards in UAE. Some of its features are mentioned below.
Features
- Minimum salary:
The minimum salary required to avail of this credit card is AED 8000.
- Interest rate
A 3.25% of interest rate is applied to this credit card.
- Annual fees
This credit card charges no amount annually.
- Advantages
The advantages of getting this credit card are access to airport lounges, unlimited dining offers, no redemption process, 3%cashback on non-AED spending, 2% cash back on groceries, and 1% cashback on others.
FAB Visa infinite credit card
Looking for a credit card with luxurious benefits?
Why don’t you try getting a First Abu Dhabi Bank Infinite credit card?
Features
- Minimum salary:
AED 30,000 is the minimum salary required to avail of this credit card.
- Interest rate
This credit card charges an interest rate of 3.5%.
- Annual fees
This annual fee is applied with a minimum annual spend of AED 30,000. The annual fee with salary transfer is AED 400 and AED 600 without salary transfer.
- Benefits
Discounts on fitness clubs, offers on dining and travel bookings, almost four free movie tickets every month, and access to 900+ airport lounges are some benefits of getting this credit card.
CBD super saver Credit Card
Next on our list of the top 10 best credit cards in UAE, is CBD super saver credit card. Let us look at its amazing benefits.
Features
- Minimum salary:
The minimum salary needed to avail of this credit card is AED 12000.
- Interest rate
Commercial bank of Dubai charges an interest rate of 3.45%.
- Annual fees
This credit card charges AED 800 annually. However, no annual fee is charged for first year.
- Benefits
Some benefits of this credit card are 10% cashback on retail categories, 8 free visits to airport lounges worldwide, and 8% off on agoda.com, etc.
Standard Chartered Manhattan platinum credit card
Manhattan platinum credit card is surely one of the best credit cards in UAE. If you are a shopaholic, this is the best option for you.
Features
- Minimum salary:
AED 5000 only is the minimum salary required to get this credit card.
- Interest rate
This credit card comes with an interest rate of 3.45%.
- Annual fees
AED 0 is charged for the first year. However, AED525 will be charged annually onwards.
- Benefits
This credit card offers some great deals like buy 1 get 1 free deal at Costa coffee and VOX cinema, a discount of 12% on bookings through agoda.com, 30% off on bookings at Time out Dubai and Time out Abu Dhabi, 20% off on popular golf clubs, etc.
Deem cash up master card
If you have a luxurious lifestyle and do travel a lot, consider getting this Deem cash-up master card credit card. It offers great opportunities and discounts.
Features
- Minimum salary:
You are eligible to apply for this credit card with a minimum salary of AED 5000.
- Interest rate
3.33% is the interest rate on this credit card.
- Annual fees
There are no annual membership fees. This card is free for you.
- Cash up
This credit card offers you 5% cash up at supermarkets, 5% cash up on utility bills, 3% cash up on fuels, and 0.5% cash up on all other spending.
- Others
A few more worth mentioning features of this card are a 20% discount on Careem, access to 150+ airport lounges, discounts on dining and leisure using deem offer app and supplementary cards, etc.
ADIB Etisalat Visa Platinum card
Etisalat Visa Platinum card is one of the best credit cards in UAE. It is available for Etisalat users. Thinking about what makes it in the top 5? Let us look together!
Features
- Minimum salary:
A minimum salary of AED 5000 is a compulsion to apply for this card.
- Profit rate
2.99% is the profit rate on this credit card.
- Annual fees
The annual fee of AED 999 is charged to this card.
- Benefits
Etisalat smile points, valet parking, and access to airport lounges are a few more benefits of this card.
RAK bank titanium Credit Card
Last, on our list of best credit cards, in UAE is the RAK bank Titanium credit card. following are the discounts offered by this credit card.
Features
- Minimum salary:
You are eligible to apply for this credit card with a minimum salary of AED 10,000.
- Interest rate
This credit card charges an interest rate of 3.45%.
- Annual fees
This credit card charges AED 650 annually.
- Benefits
Some other benefits of this credit card are complimentary travel insurance, 50% cashback on movie tickets, 20% on three Careem rides monthly, 5% cashback on supermarkets, fuels, and dining, etc.
Conclusion
If you are looking for a credit card, consider the interest rate, look for the benefits, and choose any one of the top 10 best credit cards in UAE. You can surely find your suitable credit card depending upon whether you are a traveler, a shopaholic, or a simple citizen looking for a credit card.
Hope this article helped you find your desired credit card.