Feeling swamped by all the credit card offers in the UAE?
If you’re a UAE National, you’ve probably been flooded with promises of exclusive perks, “free-for-life” deals, and luxury rewards. It sounds tempting — but finding the best credit cards for your needs can be tricky.
That’s where CardsMatcher comes in.
We’ve researched the UAE credit card market in depth and uncovered three main strategies banks use to market credit cards to UAE Nationals. Here’s a clear breakdown to help you cut through the noise, compare options, and choose smarter — with real insights behind every pick.
🔒 1. The True Exclusives: Cards Reserved for UAE Nationals
These cards are genuinely exclusive — designed specifically for Emirati customers and packed with tailored benefits.
- RAK Islamic Bank – Watani Credit Card
A rewards-based card under the RAK Rewards program. This eco-friendly card has no annual fee, low profit rates, and a focus on sustainability. - Emirates Islamic – Emarati Credit Card
A premium metal card ideal for frequent travelers. With a lifetime fee waiver and EI Smart Miles rewards, it offers exceptional value for Emirati cardholders. - ADCB Betaqti Credit Card
One of the most exclusive options in the UAE, this laser-etched metal card includes a generous welcome bonus, strong Touchpoints earning potential, and high-end design. Note: It comes with an AED 2,100 annual fee.
💼 2. Cards for All — But Sweeter for UAE Nationals
These credit cards are technically available to everyone, but they come with enhanced benefits for Emirati customers.
- FAB Cashback Islamic Credit Card
UAE Nationals enjoy higher cashback rates with no spending caps, giving it a clear advantage over similar cards. - Dubai First Low-Rate Credit Card
Known for one of the lowest APRs in the UAE at just 1.5%, this card is a great option for those who may carry a balance occasionally — although we always recommend paying your full balance each month.
⚠️ 3. The Pretenders: “Exclusive” in Name Only
Not every card that markets itself as “for Emiratis” is truly exclusive. Some credit cards use Emirati branding, national imagery, or tailored marketing messages to appear as if they’re designed just for UAE Nationals — but in reality, they’re open to all customers and offer the same standard benefits across the board.
Take the Mashreq Emirati Cards range, for example. While they’re visually branded and positioned under the “Emirati Banking” banner, several of these cards are also available to non-Emiratis, with identical features and reward structures. The benefits might still be decent — travel rewards, lifestyle discounts, or annual fee waivers — but they’re not actually customized to Emirati spending habits or lifestyle needs.
These “pretender” cards aren’t necessarily bad choices, but if you’re a UAE National, you may be missing out on higher cashback rates, tailored travel perks, or exclusive bonuses that truly Emirati-only cards can deliver.
🧠 The Bottom Line
Banks in the UAE are offering flashier perks than ever to win over Emirati customers. But the most rewarding credit cards aren’t always the ones labeled “exclusive.” The key is finding a card that matches your financial habits, spending behavior, and lifestyle goals.
That’s exactly what CardsMatcher helps you do.
🎯 Take our quick, personalized survey to find the best credit card based on your needs — no gimmicks, no spam, and no pushy sales calls.
👉 Find your perfect match now
Match. Apply. Prosper.
❓ Frequently Asked Questions
What makes a credit card exclusive to UAE Nationals?
These cards are exclusively offered to Emiratis and come with tailored benefits such as accelerated rewards, metal card designs, personalized services, and perks that reflect the spending patterns and lifestyle preferences of UAE Nationals.
Are exclusive cards better than general ones?
Not always. Some cards marketed to everyone may still offer better cashback or lower fees for UAE Nationals, making them smarter choices overall.
How do I know which card suits me best?
Instead of guessing, try CardsMatcher’s personalized survey to get matched with cards that align with your habits — whether you want rewards, cashback, or low fees.
