The interest rate could be more competitive, especially for UAE Nationals.
ENBD
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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
None
Why We Choose It
- The card is exclusive to UAE Nationals.
- First Year Free Offer.
- Generous Welcoming bonus.
- High Rewards for Frequent Emaar Visitors (Dubai Mall, Address Hotels, etc.)
Welcoming Gift/Bonus
Up to 25,000 points as a joining bonus (Value of AED 2,500)
– 15% Back on Emaar Spends for the first 3 months
-10,000 Points on spend of USD 10K in 3 months
Annual Fee (inclusive of Vat)
First year free then AED1,575
Minimum Salary Requirement
AED30,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.25%
Cashback Info:
Rewards program
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.
- Up to 30% discount on entertainment at Emaar Entertainment Group
- Receive U by Emaar Platinum status
- Complimentary upgrade to a suite on hotel stays
Other benefits
- Get 20% off on F&B and spas at Emaar Hospitality Group Hotels.
- Complimentary Valet Parking.
- Buy 1 get 1 free on movie tickets at Reel Cinemas.
Why We Choose It
- The card is exclusive to UAE Nationals.
- First Year Free Offer.
- Generous Welcoming bonus.
- High Rewards for Frequent Emaar Visitors (Dubai Mall, Address Hotels, etc.)
What We Did Not Like
- The main difference between the card and the original Emaar Infinite card is the first-year offer.
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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.
None
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)
AED 1,575
Minimum Salary Requirement
AED 30,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.25%
Cashback 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.
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Cashback %
Rewards Mechanism
- 5% Plus points for AED 5,000 and above transactions.
- 2% Plus points for transactions between AED 2,500 – AED 4,999.
- 1% Plus points for transactions less than AED 2,500.
- 1% Plus points for Supermarkets and groceries, insurance, car dealerships, fuel, utility Payments, real estate, charity, education, quick service restaurants (fast-food restaurants), transit, government services, telecommunication transactions & spends originating in European Union (EU) countries.
None
Why We Choose It
- First Year free offer.
- The Plus Points program provides a competitive redemption rate for Etihad Guest Miles.
- Outstanding benefits are offered both within the UAE and abroad.
- Quarterly Cashback draw to win AED 5,000 for spending AED 50,000.
- Relatively low APR.
Welcoming Gift/Bonus
Currently, no welcome bonus is available.
Annual Fee (inclusive of Vat)
First Year Free then AED 1,575
Minimum Salary Requirement
AED 30,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.25%
Cashback Info:
Rewards program
ENBD Plus Points Program.
Reward Mechanism:
- 5% Plus points for AED 5,000 and above transactions.
- 2% Plus points for transactions between AED 2,500 – AED 4,999.
- 1% Plus points for transactions less than AED 2,500.
- 1% Plus points for Supermarkets and groceries, insurance, car dealerships, fuel, utility Payments, real estate, charity, education, quick service restaurants (fast-food restaurants), transit, government services, telecommunication transactions & spends originating in European Union (EU) countries.
Redeem points:
Plus Points can be redeemed on any active card for a variety of rewards, including instant redemptions, Nol top-up, frequent flyer miles, education fees, donations, and cashback. Only the primary credit cardholder is authorized to redeem these points.
Airlines Program:
Key benefits
- Complementary airport Lounge Access for two persons.
- Complimentary access to 5-star beach clubs and gyms
- Chance to enter a draw to win AED 5,000 by maintaining a quarterly spend of AED 50,000.
- Complimentary golf in the UAE and up to 40% discount at premium golf courses worldwide.
- 4 complimentary valet parking services per month for an hour each at selected locations in Abu Dhabi.
Other benefits
- 4 Airport transfers per year in the UAE.
- Buy 1 Get 1’ on movie tickets and 20% off on cinema food & beverages at Reel Cinema.
- Golf Privileges.
- Local courier service up to 12 times a year within the UAE
Why We Choose It
- First Year free offer.
- The Plus Points program provides a competitive redemption rate for Etihad Guest Miles.
- Outstanding benefits are offered both within the UAE and abroad.
- Quarterly Cashback draw to win AED 5,000 for spending AED 50,000.
- Relatively low APR.
What We Did Not Like
- Currently, No welcoming bonus is available.
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Cashback %
Rewards Mechanism
- 5% points on grocery, electronics, utilities, education and fuel.
- 0.5% points on other spends including travel, dining, hotels and online.
None
Why We Choose It
- Exclusive for Abu Dhabi residents.
- Two credit cards in one.
Welcoming Gift/Bonus
Exclusive for Abu Dhabi residents with no annual fees for a limited time.
Annual Fee (inclusive of Vat)
AED 840
Minimum Salary Requirement
AED 12,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.49%
Cashback Info:
Rewards program
- ENBD Plus Points Program ( 1 plus point= 1 AED).
Reward Mechanism:
- 5% points on grocery, electronics, utilities, education and fuel.
- 0.5% points on other spends including travel, dining, hotels and online.
Redeem points:
Plus Points can be redeemed on any active card for a variety of rewards, including instant redemptions, Nol top-up, frequent flyer miles, education fees, donations, and cashback. Only the primary credit cardholder is authorized to redeem these points.
Airlines Program:
Key benefits
- Complementary Lounge access for 1 person.
- Two cards: Diners Club and a Mastercard credit card.
- Buy 1 get 1 movie ticket free offer on Royal Cinemas.
- Concierge services.
- Complimentary access to golf courses across the UAE.
Other benefits
- Valet Parking at selected locations in Abu Dhabi.
Why We Choose It
- Exclusive for Abu Dhabi residents.
- Two credit cards in one.
What We Did Not Like
- Only 0.5% points on other spends including travel, dining, hotels and online.
- Relatively high annual fee, but currently waived under an exclusive limited-time offer.
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Cashback %
Rewards Mechanism
- 5% points on Duty Free.
- 2.5% points on dining and 0.5% points on all other spends.
None
Why We Choose It
- Low annual fee relatively.
- Relatively low APR.
Welcoming Gift/Bonus
Currently, no welcoming bonus is available.
Annual Fee (inclusive of Vat)
AED 420
Minimum Salary Requirement
AED 12,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.49%
Cashback Info:
Rewards program
- ENBD Plus Points Program( 1 plus point= 1 AED).
Reward Mechanism:
- 5% points on Duty Free.
- 2.5% points on dining and 0.5% points on all other spends.
Redeem points:
Plus Points can be redeemed on any active card for a variety of rewards, including instant redemptions, Nol top-up, frequent flyer miles, education fees, donations, and cashback. Only the primary credit cardholder is authorized to redeem these points.
Airlines Program:
Key benefits
- Complementary Lounge access for one person.
- Exclusive savings on travel, dining, entertainment, and much more across the globe.
Other benefits
- Free insurance on big purchases.
Why We Choose It
- Low annual fee relatively.
- Relatively low APR.
What We Did Not Like
- Limited benefits.
- Limited rewards categories.
- No Welcoming bonus is available.
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Cashback %
Rewards Mechanism
- 1.5 points for every AED 100 spend.
- 0.4% points for supermarkets, groceries, insurance and car dealership spends.
- 0.2% points for fuel, utility bill payments, real estate and education spends.
None
Why We Choose It
- Relatively low APR.
Welcoming Gift/Bonus
Exclusive current offer: No Annual Fees.
Annual Fee (inclusive of Vat)
AED 735
Minimum Salary Requirement
AED 12,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.49%
Cashback Info:
Rewards program
ENBD Plus Points Program( 1 plus point= 1 AED).
Reward Mechanism:
- 1.5 points for every AED 100 spend.
- 0.4% points for supermarkets, groceries, insurance and car dealership spends.
- 0.2% points for fuel, utility bill payments, real estate and education spends.
Redeem points:
- Plus Points can be redeemed on any active card for a variety of rewards, including instant redemptions, Nol top-up, frequent flyer miles, education fees, donations, and cashback. Only the primary credit cardholder is authorized to redeem these points.
Airlines Program:
Key benefits
- Interest-free period of up to 55 days for retail purchases, related fees, and charges.
Other benefits
- Free insurance for big purchases.
Why We Choose It
- Relatively low APR.
What We Did Not Like
Relatively high annual fee, but currently waived under an exclusive limited-time offer.
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Cashback %
Rewards Mechanism
- 1.5 Points for every AED 100 spend.
- 0.4% Points for supermarkets, groceries, insurance and car dealership spends.
- 0.2% Points for fuel, utility bill payments, real estate and education spends.
None
Why We Choose It
- Flexibility to check benefits.
- Relatively low APR.
Welcoming Gift/Bonus
Currently, no welcoming bonus is available.
Annual Fee (inclusive of Vat)
AED 735
Minimum Salary Requirement
AED 15,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.25%
Cashback Info:
Rewards program
ENBD Plus Points Program ( 1 plus point= 1 AED)
Reward Mechanism:
- 1.5 Points for every AED 100 spend.
- 0.4% Points for supermarkets, groceries, insurance and car dealership spends.
- 0.2% Points for fuel, utility bill payments, real estate and education spends.
Redeem points:
- Plus Points can be redeemed on any active card for a variety of rewards, including instant redemptions, Nol top-up, frequent flyer miles, education fees, donations, and cashback. Only the primary credit cardholder is authorized to redeem these points.
Airlines Program:
Key benefits
- Customer can select 4/8 below premium benefits:
– Complimentary transfers to the airport & back.
– Global WiFi through Boingo.
– Bidroom membership.
– VAT reclaim through UTU Plus.
– Discounts on Careem Rides, Food Deliveries and Cleaning Services.
– International medical assistance.
– Golf privileges (Twice a month).
– Flight delay lounge.
Other benefits
- Customers can select 2/6 below benefits:
– Lounge access.
– 6 months complimentary Anghami subscription.
– Complimentary door-to-door luggage delivery
– Dragon Pass Spa & dining discounts.
– Discounts on Theatre by Rhodes & 4DX at Vox Cinemas.
– Concierge service/ Complimentary assistance for your every need.
Why We Choose It
- Flexibility to check benefits.
- Relatively low APR.
What We Did Not Like
- No Welcoming bonus is available.
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Cashback %
Rewards Mechanism
- Up to 2 Points for every AED 100 spend.
- 0.4% Points for supermarkets, groceries, insurance and car dealership spends.
- 0.2% Points for fuel, utility bill payments, real estate and education spends.
None
Why We Choose It
- High Etihad Guest miles redemption rate.
- Relatively low APR.
Welcoming Gift/Bonus
Currently, no welcoming bonus is available.
Annual Fee (inclusive of Vat)
AED 1,575
Minimum Salary Requirement
AED 30,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.25%
Cashback Info:
Rewards program
- ENBD Plus Points Program ( 1 plus point= 1 AED)
Reward Mechanism:
- Up to 2 Points for every AED 100 spend.
- 0.4% Points for supermarkets, groceries, insurance and car dealership spends.
- 0.2% Points for fuel, utility bill payments, real estate and education spends.
Redeem points:
Plus Points can be redeemed on any active card for a variety of rewards, including instant redemptions, Nol top-up, frequent flyer miles, education fees, donations, and cashback. Only the primary credit cardholder is authorized to redeem these points.
Airlines Program:
Key benefits
- Complementary Lounge access for 2 persons.
- 4 airport transfers for two persons.
- Golf privileges – twice a month.
- 4 complimentary valet parking in Abu Dhabi.
Other benefits
- Free insurance for big purchases.
Why We Choose It
- High Etihad Guest miles redemption rate.
- Relatively low APR.
What We Did Not Like
- No Welcoming bonus is available.
