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Rewards Mechanism

  • Up to 0.70 TouchPoints on international spends.
  • 0.40 TouchPoints on domestic spends.

Why We Choose It

  • Exclusive credit cards for Emiratis.
  • A metal, laser-etched card that showcases the name.
  • Comprehensive set of benefits such as travel benefits and Gym access.
  • It is suitable for both Dubai and Abu Dhabi Residents.
  • Relatively Low APR.

Welcoming Gift/Bonus

ADCB-Betaqti Credit Card offers 300,000 TouchPoints as a welcoming bonus.

Annual Fee (inclusive of Vat)

AED 2,100

Minimum Salary Requirement

AED 10,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
2.25%

Rewards program

ADCB Touchpoints program.

Reward Mechanism:
  • Up to 0.70 TouchPoints on international spends.
  • 0.40 TouchPoints on domestic spends.

Redeem points:

Instant redemption is available at thousands of merchant locations across the UAE, and you can also use points for utility bill payments, Salik, and card payments. Additionally, points can be exchanged for Emirates Skywards Miles and Etihad Guest Miles, redeemed for vouchers, or used for Zakat and donations. Options for gifting, school fees, and e-commerce are also included.

Key benefits

  • Complementary Airport Lounge Access for two persons.
  • 6 complimentary airport transfers with Careem App.
  • Up to 10% cashback on Booking.com.

Other benefits

  • VOX Cinema – Buy one get one free.
  • Complimentary Access to Uform fitness.
  • 20% discount on Talabat Grocery & Food Delivery twice a month.
  • Buy One, Get One Free at Caribou Coffee.
  • Concierge Service.
  • Complimentary Membership in Platinum Tier of U by Emaar.
  • Travel Insurance.

Why We Choose It

  • Exclusive credit cards for Emiratis.
  • A metal, laser-etched card that showcases the name.
  • Comprehensive set of benefits such as travel benefits and Gym access.
  • It is suitable for both Dubai and Abu Dhabi Residents.
  • Relatively Low APR.

What We Did Not Like

  • High annual fee.

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.