All Cobranded Card
Cashback %
Rewards Mechanism
- Earn 8% SHARE Points back with your Card at all Majid Al Futtaim venues.
- Earn additional up to 3% SHARE Points through the SHARE App.
- Earn 1.5% on all other spends.
Why We Choose It
- The joining fee is refunded upon reaching a spend of AED 40,000 within the first three months.
- The high SHARE Points earning potential at MAF properties makes this card especially valuable for frequent MAF customers.
- Generous welcoming bonus.
Welcoming Gift/Bonus
Get a welcome bonus of 10,000 SHARE Points equal to AED 1,000 when you spend AED 40,000 in the first 3 months.
Apply online between 1 July and 30 September 2025 to receive a AED 500 YOUGotaGift HappyYOU Card.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
SHARE Points
Reward Mechanism:
- Earn 8% SHARE Points back with your Card at all Majid Al Futtaim venues.
- Earn additional up to 3% SHARE Points through the SHARE App.
- Earn 1.5% on all other spends.
Redeem points:
SHARE Points can be used in various convenient ways—whether through the SHARE App, at checkout in stores, while shopping online, or even for digital mall gift cards—offering flexibility across Majid Al Futtaim experiences.
Airlines Program:
Key benefits
- Airport lounge access for two persons.
- Golf Privileges.
Other benefits
- Complimentary Valet Parking at select locations.
Why We Choose It
- The joining fee is refunded upon reaching a spend of AED 40,000 within the first three months.
- The high SHARE Points earning potential at MAF properties makes this card especially valuable for frequent MAF customers.
- Generous welcoming bonus.
What We Did Not Like
- The annual fee from the second year onwards may feel high for those who don’t frequently spend at MAF properties.
Cashback %
Rewards Mechanism
- Earn 6% SHARE Points back with your Card at all Majid Al Futtaim venues.
- Earn additional up to 3% SHARE Points through the SHARE App.
- Earn 1% on all other spends.
Why We Choose It
- Free for life credit card.
- Complimentary lounge access with a lifetime-free credit card offers exceptional value.
- Generous welcoming bonus.
Welcoming Gift/Bonus
Get a welcome bonus of 5,000 SHARE Points equal to AED 500 when you spend AED 25,000 in the first 3 months.
Apply online between 1 July and 30 September 2025 to receive a AED 350 YOUGotaGift HappyYOU Card.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
SHARE Points.
Reward Mechanism:
- Earn 6% SHARE Points back with your Card at all Majid Al Futtaim venues.
- Earn additional up to 3% SHARE Points through the SHARE App.
- Earn 1% on all other spends.
Redeem points:
SHARE Points can be used in various convenient ways—whether through the SHARE App, at checkout in stores, while shopping online, or even for digital mall gift cards, offering flexibility across Majid Al Futtaim experiences
Airlines Program:
Key benefits
- Airport lounge access for one person
- Buy 1, get one free on VOX Cinemas movie tickets.
Other benefits
- Roadside Assistance.
Why We Choose It
- Free for life credit card.
- Complimentary lounge access with a lifetime-free credit card offers exceptional value.
- Generous welcoming bonus.
What We Did Not Like
No significant cons observed.
Cashback %
Rewards Mechanism
- Earn 4% back as SHARE Points on shopping, dining, leisure, and groceries at 5,000+ stores and 18 malls across the UAE.
- Earn 0.75% back as SHARE Point on all other spends.
Why We Choose It
- Free for life credit card.
Welcoming Gift/Bonus
Currently, no welcoming bonus is available.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
SHARE Points
Reward Mechanism:
- Earn 4% back as SHARE Points on shopping, dining, leisure, and groceries at 5,000+ stores and 18 malls across the UAE.
- Earn 0.75% back as SHARE Point on all other spends.
Redeem points:
SHARE Points can be used in various convenient ways—whether through the SHARE App, at checkout in stores, while shopping online, or even for digital mall gift cards, offering flexibility across Majid Al Futtaim experiences.
Airlines Program:
Key benefits
- ‘Buy 1 get one movie free’ ticket offers at VOX Cinemas.
Other benefits
- Free for Life Credit Card.
Why We Choose It
- Free for life credit card.
What We Did Not Like
No significant cons observed.
Cashback %
Rewards Mechanism
- Earn 6.25% back as Darna Points on all spends at Aldar destinations, including Yas Mall, Yas Island theme parks, hotels, spas, golf courses, and other iconic Abu Dhabi attractions.
- Earn 0.75% back as Darna Points on Card spends outside Aldar destinations.
Why We Choose It
- Free for life credit card.
- Best suited for frequent users of Aldar’s retail, dining, and leisure spots.
Welcoming Gift/Bonus
Apply online between 1 July and 30 September 2025 to receive a AED 250 YOUGotaGift HappyYOU Card.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Darna Points
Reward Mechanism:
- Earn 6.25% back as Darna Points on all spends at Aldar destinations, including Yas Mall, Yas Island theme parks, hotels, spas, golf courses, and other iconic Abu Dhabi attractions.
- Earn 0.75% back as Darna Points on Card spends outside Aldar destinations.
Redeem points:
Enjoy instant redemption at 1,200 Aldar destinations, from shopping at Yas Mall to dining at Mamsha Al Saadiyat or relaxing at Yas Marina.
10 Darna Points = AED 1
Airlines Program:
Key benefits
- Automatic Darna silver tier status.
Other benefits
- Buy 1, get one free on movie tickets at VOX cinemas.
Why We Choose It
- Free for life credit card.
- Best suited for frequent users of Aldar’s retail, dining, and leisure spots.
What We Did Not Like
- Limited redemption flexibility – Points can only be used at Darna properties.
Cashback %
Rewards Mechanism
- Earn 7.5% back as Darna Points on all spends at Aldar destinations, including Yas Mall, Yas Island theme parks, hotels, spas, golf courses, and other iconic Abu Dhabi attractions.
- Earn 1% back as Darna Points on Card spends outside Aldar destinations.
Why We Choose It
- First year free offer.
- Generous Welcoming bonus.
- Best suited for frequent users of Aldar’s retail, dining, and leisure spots.
Welcoming Gift/Bonus
Earn 3,000 Darna Points when you spend AED 15,000 in first 3 months
Apply online between 1 July and 30 September 2025 to receive a AED 350 YOUGotaGift HappyYOU Card.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Darna Points
Reward Mechanism:
- Earn 7.5% back as Darna Points on all spends at Aldar destinations, including Yas Mall, Yas Island theme parks, hotels, spas, golf courses, and other iconic Abu Dhabi attractions.
- Earn 1% back as Darna Points on Card spends outside Aldar destinations.
Redeem points:
Enjoy instant redemption at 1,200 Aldar destinations, from shopping at Yas Mall to dining at Mamsha Al Saadiyat or relaxing at Yas Marina.
10 Darna Points = AED 1
Airlines Program:
Key benefits
- Lounge access for one person.
- Automatic Darna Gold tier status.
Other benefits
- Buy 1, get one free on movie tickets at VOX cinemas.
Why We Choose It
- First year free offer.
- Generous Welcoming bonus.
- Best suited for frequent users of Aldar’s retail, dining, and leisure spots.
What We Did Not Like
- Limited redemption flexibility – Points can only be used at Darna properties.
Cashback %
Rewards Mechanism
- Earn 10% back as Darna Points on all spends at Aldar destinations, including Yas Mall, Yas Island theme parks, hotels, spas, golf courses, and other iconic Abu Dhabi attractions.
- Earn 1.5% back as Darna Points on Card spends outside Aldar destinations.
Why We Choose It
- High points earning rate at Darna properties.
- Generous Welcoming bonus.
- Best suited for frequent users of Aldar’s retail, dining, and leisure spots.
Welcoming Gift/Bonus
Welcome bonus of 15,000 Darna Points: 7,500 Darna Points on payment of joining fees and an additional 7,500 Darna Points on completing spends of AED 20,000 in 3 months.
Apply online between 1 July and 30 September 2025 to receive a AED 500 YOUGotaGift HappyYOU Card.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Darna Points
Reward Mechanism:
- Earn 10% back as Darna Points on all spends at Aldar destinations, including Yas Mall, Yas Island theme parks, hotels, spas, golf courses, and other iconic Abu Dhabi attractions.
- Earn 1.5% back as Darna Points on Card spends outside Aldar destinations.
Redeem points:
Enjoy instant redemption at 1,200 Aldar destinations, from shopping at Yas Mall to dining at Mamsha Al Saadiyat or relaxing at Yas Marina.
10 Darna Points = AED 1
Airlines Program:
Key benefits
- Lounge access for two persons.
- Automatic Darna Platinum tier status.
- Enjoy complimentary golf in the UAE and up to 40% discount at premium golf courses worldwide.
Other benefits
- Complimentary valet parking at select Abu Dhabi locations for your convenience.
- Buy 1, get one free on movie tickets at VOX cinemas.
Why We Choose It
- High points earning rate at Darna properties.
- Generous Welcoming bonus.
- Best suited for frequent users of Aldar’s retail, dining, and leisure spots.
What We Did Not Like
- Limited redemption flexibility – Points can only be used at Darna properties.
Cashback %
Rewards Mechanism
- Up to 7% value back in SHARE points for each AED 1 spent at Carrefour store.
- Earn up to 6.25% back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers.
- Up to 4.25% back in SHARE points on all spending at Mall of the Emirates and City Centres in the UAE.
- Up to 2.25% back in SHARE points on all international, other retail, and online shopping.
Why We Choose It
- The card is an excellent option for frequent visitors to MAF outlets, including Carrefour and City Centres.
- E-commerce Points Earning through a Participating Brand’s website and/or mobile application.
- Generous Welcoming bonus.
Welcoming Gift/Bonus
10,000 bonus SHARE points worth AED 1,000 when you activate the card.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
SHARE points.
Reward Mechanism:
- Up to 7% value back in SHARE points for each AED 1 spent at Carrefour store.
- Earn up to 6.25% back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers.
- Up to 4.25% back in SHARE points on all spending at Mall of the Emirates and City Centres in the UAE.
- Up to 2.25% back in SHARE points on all international, other retail, and online shopping.
Redeem points:
SHARE points can be redeemed instantly for purchases at selected online and in-store partners or gifted to other SHARE members.
Airlines Program:
Key benefits
- Unlimited 2-for-1 standard tickets across all VOX cinemas.
- The ability to create a group of up to nine will allow you to pool and gift Share points easily while still sharing with others outside your group.
Other benefits
- Other Visa benefits.
Why We Choose It
- The card is an excellent option for frequent visitors to MAF outlets, including Carrefour and City Centres.
- E-commerce Points Earning through a Participating Brand’s website and/or mobile application.
- Generous Welcoming bonus.
What We Did Not Like
- SHARE points accumulated points can only be redeemed through instant purchases at MAF participating brands.
- The annual fee is high for a card with benefits limited to MAF brands.
Cashback %
Rewards Mechanism
- Up to 7% value back in SHARE points for each AED 1 spent at Carrefour store.
- Earn up to 5.25% back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers.
- Up to 3.25% back in SHARE points on all spending at Mall of the Emirates and City Centres in the UAE.
- Up to 1.75% back in SHARE points on all international, other retail, and online shopping.
Why We Choose It
- Free for life credit card.
- The card is an excellent option for frequent visitors to MAF outlets, including Carrefour and City Centres.
- E-commerce Points Earning through a Participating Brand’s website and/or mobile application
Welcoming Gift/Bonus
Currently, no welcoming bonus is available.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
SHARE points.
Reward Mechanism:
- Up to 7% value back in SHARE points for each AED 1 spent at Carrefour store.
- Earn up to 5.25% back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers.
- Up to 3.25% back in SHARE points on all spending at Mall of the Emirates and City Centres in the UAE.
- Up to 1.75% back in SHARE points on all international, other retail, and online shopping.
Redeem points:
Airlines Program:
Key benefits
- Unlimited 2-for-1 standard tickets across all VOX cinemas.
- The ability to create a group of up to nine will allow you to pool and gift Share points easily, while still sharing with others outside your group.
Other benefits
- Buy now, pay later plans.
Why We Choose It
- Free for life credit card.
- The card is an excellent option for frequent visitors to MAF outlets, including Carrefour and City Centres.
- E-commerce Points Earning through a Participating Brand’s website and/or mobile application
What We Did Not Like
- SHARE points accumulated points can only be redeemed through instant purchases at MAF participating brands.
Cashback %
Rewards Mechanism
- Earn 7.25% back when shopping, dining, or spending across Emaar hotspots like Dubai Mall, Marina Mall, and Emaar Communities.
- Get 1.5% back as Upoints on every spend and 5x the rewards when you spend at Emaar.
Why We Choose It
- High points earning rate at Emaar participating brands.
- The card can be a good choice for frequent visitors to Emaar properties, such as Dubai Mall and Dubai Hills Mall.
Welcoming Gift/Bonus
Welcome offer: Up to 25,000 UPoints
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Upoints By Emaar.
Reward Mechanism:
- Earn 7.25% back when shopping, dining, or spending across Emaar hotspots like Dubai Mall, Marina Mall, and Emaar Communities.
- Get 1.5% back as Upoints on every spend and 5x the rewards when you spend at Emaar.
Redeem points:
Cardholders will have the option to redeem the accumulated UPoints through instant redemption from Loyalty Partners mainly at Emaar properties.
Airlines Program:
Key benefits
- Lounge access for two persons.
- 20% off on F&B and Spas at Emaar Hospitality Group Hotels
- Complimentary Valet Parking at the Grand Drive for Galeries Lafayette and The Souk in Dubai Mall.
Other benefits
- Buy 1 get 1 free on movie tickets at Reel Cinemas.
- Up to 30% discount on entertainment at Emaar Entertainment Group, including The Dubai Underwater Zoo, Kidzania, and Dubai Ice Rink.
Why We Choose It
- High points earning rate at Emaar participating brands.
- The card can be a good choice for frequent visitors to Emaar properties, such as Dubai Mall and Dubai Hills Mall.
What We Did Not Like
- Upoints accumlated points can only be redeemed through instant purchases at EMAAR partners.
- The annual fee is high for a card with benefits limited to Emaar Properties and airport lounge access.
Cashback %
Rewards Mechanism
- 5% cashback on spends at noon, noon Food, noon Minutes.
- 5% cashback on spends at Sivvi, Namshi.
- 5% cashback on spends at noon supermall, NowNow.
- 1% back on all other spends.
- 0.33% cashback on govt. Payments, utilities, education, charity, fuel, rental and telecom purchases.
Why We Choose It
- Free for life credit card.
- High value for Noon platforms users as it includes (Food, clothes, Groceries, etc.).
Welcoming Gift/Bonus
AED 500 Welcome Bonus – if you are a new credit card customer (AED 100 for existing credit card holders).
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Noon credits as cashback.
Reward Mechanism:
- 5% cashback on spends at noon, noon Food, noon Minutes.
- 5% cashback on spends at Sivvi, Namshi.
- 5% cashback on spends at noon supermall, NowNow.
- 1% back on all other spends.
- 0.33% cashback on govt. Payments, utilities, education, charity, fuel, rental and telecom purchases.
Redeem points:
Noon credits are valid across all Noon platforms.
Airlines Program:
Key benefits
- Free delivery on noon express.
Other benefits
- Free for life credit card.
Why We Choose It
- Free for life credit card.
- High value for Noon platforms users as it includes (Food, clothes, Groceries, etc.).
What We Did Not Like
- The website does not provide any details regarding monthly caps on cashback earnings.
Cashback %
Rewards Mechanism
- For every 1 AED:
– 8 Lulupoints for spending at Lulu stores.
– 1.25 Lulupoints at other spends.
Why We Choose It
- Free for life credit card.
- The card is a great choice for Lulu’s frequent visitors, especially with Lulu Wow Wednesday.
- Lounge access with a free-for-life card offers great value.
Welcoming Gift/Bonus
Get up to AED 500 in LuLu Points as a welcome bonus when you apply for the ADCB LuLu Platinum Credit Card online (4 June–30 June 2025).
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
LuLu Points.
Reward Mechanism:
- For every 1 AED:
– 8 Lulupoints for spending at Lulu stores.
– 1.25 Lulupoints at other spends.
Redeem points:
Redeem at any LuLu stores across the UAE for as low as 5,000 LuLu Points worth AED 50.
Airlines Program:
Key benefits
- Lounge access for 1 person.
- LuLu WOW Wednesday: 15% off up to AED 50 and free home delivery when you shop for a minimum of AED 100 at luluhypermarket.com or on the LuLu App UAE with your ADCB LuLu Mastercard Credit Card.
Other benefits
- Buy 1 Get 1 Free movie ticket at Reel Cinema.
Why We Choose It
- Free for life credit card.
- The card is a great choice for Lulu’s frequent visitors, especially with Lulu Wow Wednesday.
- Lounge access with a free-for-life card offers great value.
What We Did Not Like
- No Welcoming bonus is available.
- The minimum salary requirement for the card is a bit high.
Cashback %
Rewards Mechanism
- Up to 35% back as Talabat credit on your first 10 orders every month. Earn up to AED 35 per order, with a monthly cap of AED 350.
- Unlimited free delivery on orders above AED 50.
- Up 1.25% back as Talabat credit on other purchases.
Why We Choose It
- Free for life credit card.
- The card is a great choice for frequent Talabat App users.
- Generous Welcoming Bonus.
- Lounge access with a free-for-life card offers great value.
Welcoming Gift/Bonus
750 AED welcome bonus as Talabt credit upon achieving a minimum spend of AED 5,000 in 45 days , this will be applicable for cards applied via the digital channels only such as talabat application, ADCB website, ADCB Mobile Banking App, Hayyak App & talabat app
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Talabat credits as cashback.
Reward Mechanism:
- Up to 35% back as Talabat credit on your first 10 orders every month. Earn up to AED 35 per order, with a monthly cap of AED 350.
- Unlimited free delivery on orders above AED 50.
- Up 1.25% back as Talabat credit on other purchases.
Redeem points:
Talabat credits can be used through any order at Talabat App.
Airlines Program:
Key benefits
- Lounge access for 1 person.
- Personalised card design
Other benefits
- Mastercard benefits.
Why We Choose It
- Free for life credit card.
- The card is a great choice for frequent Talabat App users.
- Generous Welcoming Bonus.
- Lounge access with a free-for-life card offers great value.
What We Did Not Like
- The maximum cashback limit of AED 350 is considered relatively low.
Cashback %
Rewards Mechanism
- Up to 7% value back in SHARE points for each AED 1 spent at Carrefour store.
- Earn up to 8.25% back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers.
- Up to 6.25% back in SHARE points on all spending at Mall of the Emirates and City Centres in the UAE.
- Up to 2.75% back in SHARE points on all international, other retail, and online shopping.
Why We Choose It
- The card is an excellent option for frequent visitors to MAF outlets, including Carrefour and City Centres.
- E-commerce Points Earning through a Participating Brand’s website and/or mobile application.
- Generous Welcoming Bonus.
Welcoming Gift/Bonus
15,000 bonus SHARE points worth AED 1,500 when you activate the card.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
SHARE points.
Reward Mechanism:
- Up to 7% value back in SHARE points for each AED 1 spent at Carrefour store.
- Earn up to 8.25% back in SHARE points at VOX Cinemas, Ski Dubai, Magic Planet, Dreamscape, iFLY Dubai, and Little Explorers.
- Up to 6.25% back in SHARE points on all spending at Mall of the Emirates and City Centres in the UAE.
- Up to 2.75% back in SHARE points on all international, other retail, and online shopping.
Redeem points:
SHARE points can be redeemed instantly for purchases at selected partners, both online and in-store, or gifted to other SHARE members.
Airlines Program:
Key benefits
- Lounge access for 1 person.
- Unlimited 2-for-1 standard tickets across all VOX cinemas.
- The ability to create a group of up to nine will allow you to pool and gift Share points easily, while still sharing with others outside your group.
Other benefits
- Other Visa benefits.
Why We Choose It
- The card is an excellent option for frequent visitors to MAF outlets, including Carrefour and City Centres.
- E-commerce Points Earning through a Participating Brand’s website and/or mobile application.
- Generous Welcoming Bonus.
What We Did Not Like
- SHARE points accumulated points can only be redeemed through instant purchases at MAF participating brands.
- The annual fee is high for a card with benefits limited to MAF brands and airport lounge access.
Cashback %
Rewards Mechanism
- Earn 6.25% back when you shop, dine, or spend across Emaar hotspots like Dubai Mall, Marina Mall, and Emaar Communities.
- Get 1.25% back as Upoints on every spend and 5x the rewards when you spend at Emaar.
Why We Choose It
- Low annual fee relatively.
- The card can be a good choice for frequent visitors to Emaar properties, such as Dubai Mall and Dubai Hills Mall.
Welcoming Gift/Bonus
No welcoming bonus is available.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Upoints By Emaar.
Reward Mechanism:
- Earn 6.25% back when you shop, dine, or spend across Emaar hotspots like Dubai Mall, Marina Mall, and Emaar Communities.
- Get 1.25% back as Upoints on every spend and 5x the rewards when you spend at Emaar.
Redeem points:
Cardholders will have the option to redeem the accumulated UPoints through instant redemption from Loyalty Partners, mainly at Emaar properties.
Airlines Program:
Key benefits
- Lounge access for one person.
- 15% off on F&B and Spas at Emaar Hospitality Group Hotels.
Other benefits
- Buy 1 get 1 free on movie tickets at Reel Cinemas.
- Up to 30% discount on entertainment at Emaar Entertainment Group, including The Dubai Underwater Zoo, Kidzania, and Dubai Ice Rink.
Why We Choose It
- Low annual fee relatively.
- The card can be a good choice for frequent visitors to Emaar properties, such as Dubai Mall and Dubai Hills Mall.
What We Did Not Like
- Upoints accumulated points can only be redeemed through instant purchases at EMAAR partners.
Cashback %
Rewards Mechanism
- 1% for all spends.
- 5 times more points when you spend in Emaar.
- 25% base Upoints for spends on grocery and supermarkets.
- 10% base Upoints for spending on fuel, government services, and telecommunication payments.
- 5% Upoints back on spending in Emaar malls and when you dine or stay at Emaar Hospitality Group hotels and restaurants.
Why We Choose It
- Free for life credit card.
- The card can be a good choice for frequent visitors to Emaar properties, such as Dubai Mall and Dubai Hills Mall.
Welcoming Gift/Bonus
Currently, no welcoming bonus is available.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Upoints By Emaar.
Reward Mechanism:
- 1% for all spends.
- 5 times more points when you spend in Emaar.
- 25% base Upoints for spends on grocery and supermarkets.
- 10% base Upoints for spending on fuel, government services, and telecommunication payments.
- 5% Upoints back on spending in Emaar malls and when you dine or stay at Emaar Hospitality Group hotels and restaurants.
Redeem points:
Cardholders will have the option to redeem the accumulated UPoints through instant redemption from Loyalty Partners, mainly at Emaar properties.
Airlines Program:
Key benefits
- Buy 1 get 1 free on movie tickets at Reel Cinemas.
Other benefits
- Up to 30% discount on entertainment at Emaar Entertainment Group, including The Dubai Underwater Zoo, Kidzania, and Dubai Ice Rink.
Why We Choose It
- Free for life credit card.
- The card can be a good choice for frequent visitors to Emaar properties, such as Dubai Mall and Dubai Hills Mall.
What We Did Not Like
- Upoints accumulated points can only be redeemed through instant purchases at EMAAR partners.
- Relatively high APR.
Cashback %
Rewards Mechanism
Earn up to AED 2,000 in noon credits:
- 20% back on noon Food.
- 5% back on Noon Minutes + 15% off non-electronics (up to AED 30 on five orders/month).
- 10% back on NowNow.
- 5% back on Namshi, Sivvi, and Supermall.
- Free 1-year noon One membership + 50% off renewal.
- Up to 1% back on all other spends.
Why We Choose It
- Free for life credit card.
- The maximum cashback limit of AED 2000 is considered relatively high.
- High value for Noon platforms users as it includes (Food, clothes, Groceries, etc.).
Welcoming Gift/Bonus
Apply online between 1 July and 30 September 2025 to receive a AED 250 YOUGotaGift HappyYOU Card.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Noon credits as cashback.
Reward Mechanism:
Earn up to AED 2,000 in noon credits:
- 20% back on noon Food.
- 5% back on Noon Minutes + 15% off non-electronics (up to AED 30 on five orders/month).
- 10% back on NowNow.
- 5% back on Namshi, Sivvi, and Supermall.
- Free 1-year noon One membership + 50% off renewal.
- Up to 1% back on all other spends.
Redeem points:
Noon credits are valid across all Noon platforms.
Airlines Program:
Key benefits
- Buy 1 get 1 free on movie tickets at VOX Cinemas.
Other benefits
- 0% Installment Plans.
Why We Choose It
- Free for life credit card.
- The maximum cashback limit of AED 2000 is considered relatively high.
- High value for Noon platforms users as it includes (Food, clothes, Groceries, etc.).
What We Did Not Like
- Limited redemption options.
