Best Rewards Credit Cards
Top Credit Card of The Month!
Best Rewards Credit Cards
FAB Rewards Indulge Card
Enjoy a free-for-life card with a AED 500 Amazon.ae gift, high FAB Rewards on online spends, flexible redemptions, up to 20% discounts across dining, shopping, and entertainment, plus movie tickets for just AED 20.
We can classify them as 2 caetegories, there are Banks special rewards programs such as ADCB Touchpoints program, then theree are Co-branded rewards credit carwds in which the banks partner with a brans such as Noon for instance to launch Mashareq noon credit card
Evaluating rewards programs can be challenging, as each one is unique and not directly comparable to others. To make a more informed choice, start by examining the categories where you can earn points; for example, some cards may offer a low points rate on groceries, which might make up a significant portion of your spending. Next, review the redemption options available for the points you earn. Finally, consider the welcome bonus and any joining offers to maximize your benefits. However, we can save you the hustle and recommend the best rewards cards for you after you fill our match your card survey
While many rewards credit cards allow points to be redeemed for cashback, it’s generally not recommended, as the conversion rate from points to cash is typically low. The primary advantage of rewards credit cards lies in their flexibility, with most people using them for shopping with program partners or converting points into travel miles. However, if cashback is your primary goal, a dedicated cashback credit card would be a better choice for you.
It depends on various factors, including your primary bank. However, some banks in the UAE offer points not just for credit card spending, but for every interaction with the bank, which helps optimize point accumulation for their main customers. In such cases, it’s often recommended to choose a rewards program from your main bank to maximize benefits.
Certainly, if you choose a credit card that aligns with your lifestyle and spending habits, you can easily offset the annual fee within the first half of the year through travel benefits or shopping rewards as an example
Cashback %
Rewards Mechanism
- For every AED 1:
– up to 20 FAB Rewards on luxury spending.
– 10 FAB Rewards on eco-friendly purchases.
– up to 5 FAB Rewards on all other spending, including abroad.
– 0.5 FAB Rewards on low-interchange such as groceries and fuel.
Why We Choose It
- Social responsibility-focused card with eco-friendly features.
- First-year free offer available.
- High FAB rewards earning rate for luxury enthusiasts.
Welcoming Gift/Bonus
First-year free then AED 1200.
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
- FAB Rewards program.
Reward Mechanism:
- For every AED 1:
– up to 20 FAB Rewards on luxury spending.
– 10 FAB Rewards on eco-friendly purchases.
– up to 5 FAB Rewards on all other spending, including abroad.
– 0.5 FAB Rewards on low-interchange such as groceries and fuel.
Redeem points:
FAB Rewards can be redeemed for various options, including vouchers and game time, cashback, Skywards Miles and Etihad Guest Miles exchanges, travel bookings via Cleartrip.ae and Musafir.com e-vouchers, transaction reimbursements, utility bill payments, instant in-store redemptions at participating locations, purchases through the FAB Rewards Shop, and conversions to Shukrans.
Airlines Program:
Key benefits
- Complementary Lounge access for two persons.
- Free access to 60+ beach clubs, gyms, and sports clubs with ADV+.
- Up to 50% off over 100 five-star restaurants in the UAE.
- Dedicated lifestyle concierge support 24/7.
- Guaranteed gift of gold from the FAB Rewards Shop If you spend AED 500,000 a year or more on your card.
Other benefits
- 5 valet parking per month at premium locations in the UAE.
- Movie tickets are from only AED 20.
- 20% off Emaar attractions.
- 20% off Dubai Holding attractions.
- 30% off golf worldwide with Mastercard Golf Programme.
Why We Choose It
- Social responsibility-focused card with eco-friendly features.
- First-year free offer available.
- High FAB rewards earning rate for luxury enthusiasts.
What We Did Not Like
- No notable disadvantages.
Cashback %
Rewards Mechanism
- For every AED 1:
– 5 FAB Rewards on online spending.
– 1 FAB Reward on all other spending, including abroad.
– 0.5 FAB Rewards on low-interchange such as groceries and fuel.
– Get 20,000 bonus FAB Rewards monthly when you spend AED 10,000 or more.
Why We Choose It
- Free for life credit card.
- FAB Rewards on online spending offer high returns for online spenders.
Welcoming Gift/Bonus
No annual fee credit 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
FAB Rewards program
Reward Mechanism:
- For every AED 1:
– 5 FAB Rewards on online spending.
– 1 FAB Reward on all other spending, including abroad.
– 0.5 FAB Rewards on low-interchange such as groceries and fuel.
– Get 20,000 bonus FAB Rewards monthly when you spend AED 10,000 or more.
Redeem points:
FAB Rewards can be redeemed for various options, including vouchers and game time, cashback, Skywards Miles and Etihad Guest Miles exchanges, travel bookings via Cleartrip.ae and Musafir.com e-vouchers, transaction reimbursements, utility bill payments, instant in-store redemptions at participating locations, purchases through the FAB Rewards Shop, and conversions to Shukrans.
Airlines Program:
Key benefits
- 20% off your shopping on Namshi.com
- Up to 20% off at over 150 restaurants across the UAE.
- Get up to 20% off on your favorite entertainment and attractions across the UAE.
Other benefits
- Movie tickets at only AED 20.
Why We Choose It
- Free for life credit card.
- FAB Rewards on online spending offer high returns for online spenders.
What We Did Not Like
- The cards will offer the greatest value once AED 10,000 is spent; otherwise, the points will be limited.
- The high rewards rate is limited to online shopping, with reduced earnings on special categories such as groceries.
Cashback %
Rewards Mechanism
- For every AED 1:
– 2.25 El smart miles on international spends (15% of the international miles in the “European Economic Area (EEA) countries, including UK)
– 1.25 El smart miles on Domestic spends (80% of the base EI miles on Supermarkets, 10% of the base EI miles on fuel, telecommunication, etc).
Why We Choose It
- Free for Life.
- Welcoming bonus available although it is free for life card.
- Varied options and good rates for points redemption.
Welcoming Gift/Bonus
- 10,000 EI SmartMiles.
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
- EI SmartMiles reward program.
Reward Mechanism:
- For every AED 1:
– 2.25 El smart miles on international spends (15% of the international miles in the “European Economic Area (EEA) countries, including UK)
– 1.25 El smart miles on Domestic spends (80% of the base EI miles on Supermarkets, 10% of the base EI miles on fuel, telecommunication, etc).
Redeem points:
You can exchange your EI SmartMiles for a range of partner loyalty programs. Additionally, utilize the “Instant Purchase” feature to redeem EI Miles for global purchases, with a statement credit applied within 5 days. The gifting option is also available for sharing your miles with others.
Airlines Program:
Key benefits
- Buy 1 Get 1 complimentary movie tickets in Reel Cinema.
Other benefits
- 2-for-1 experience with Entertainer App.
Why We Choose It
- Free for Life.
- Welcoming bonus available although it is free for life card.
- Varied options and good rates for points redemption.
What We Did Not Like
- Exchanging EI Miles for cashback is not available according to the bank’s websit.
Cashback %
Rewards Mechanism
- For every AED 1 :
* 3.75 El smart miles on international spends
* 2.5 El smart miles on Domestic spends
* 1 EI Smart miles Supermarkets, Automobiles and Insurance, Education, Fuel, Real Estate, Government, Telecommunication, Quick Service Restaurant Spends (Domestic and International)
* 0.56 on European Economic Area (EEA) Countries Spends.
Why We Choose It
- Low annual fee relatively.
- Varied options and good rates for points redemption.
- High Etihad Guest miles redemption rate.
- High Skywards miles redemption rate.
Welcoming Gift/Bonus
- 75,000 EI SmartMiles.
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
EI SmartMiles reward program.
Reward Mechanism:
- For every AED 1 :
* 3.75 El smart miles on international spends
* 2.5 El smart miles on Domestic spends
* 1 EI Smart miles Supermarkets, Automobiles and Insurance, Education, Fuel, Real Estate, Government, Telecommunication, Quick Service Restaurant Spends (Domestic and International)
* 0.56 on European Economic Area (EEA) Countries Spends.
Redeem points:
You can exchange your EI SmartMiles for a range of partner loyalty programs. Additionally, utilize the “Instant Purchase” feature to redeem EI Miles for global purchases, with a statement credit applied within 5 days. The gifting option is also available for sharing your miles with others.
Airlines Program:
Key benefits
- Complementary Lounge access for 2 persons.
- 2 complimentary Marhaba Meet & Greet services per year.
- Unlimited complimentary golf.
- 2 complimentary valet parking.
- 2 “Buy 1 Get 1 on Reel Cinema tickets.
- 15% off on Emaar.
- Entertainment Attractions.
Other benefits
- Multi Trip Travel Insurance.
Why We Choose It
- Low annual fee relatively.
- Varied options and good rates for points redemption.
- High Etihad Guest miles redemption rate.
- High Skywards miles redemption rate.
What We Did Not Like
- Exchanging EI Miles for cashback is not available, according to the bank’s website.
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.
Why We Choose It
- High Etihad Guest miles redemption rate.
- Relatively low APR.
Welcoming Gift/Bonus
- Currently no welcoming gifts/bounce
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
- 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.
Cashback %
Rewards Mechanism
- 5% points on Duty Free.
- 2.5% points on dining and 0.5% points on all other spends.
Why We Choose It
- Low annual fee relatively.
- Relatively low APR.
Welcoming Gift/Bonus
- Currently no welcoming gifts/bounce.
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
- 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.
Cashback %
Rewards Mechanism
- Up to 1.5 TouchPoints for every AED 1 spent.
- 1 AED= 0.4 points on (Supermarkets, Auto Dealer, Insurance, Quick Service Restaurants)
- 1 AED =0.2 points on(Education, Government service, Real state, Telecommunication)
- 15,000 Bonus TouchPoints- For spends of AED 15,000
Why We Choose It
- Low annual fee relatively.
- Touchpoints upon reaching a spending threshold.
- Generous welcoming bonus.
- Touchpoints are also awarded for utilizing additional banking products, including current accounts, loans, and digital banking activities.
Welcoming Gift/Bonus
- A complimentary 2-night stay anywhere worldwide (Capped at AED 1,200).
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
- ADCB Touchpoints Program.
Reward Mechanism:
- Up to 1.5 TouchPoints for every AED 1 spent.
- 1 AED= 0.4 points on (Supermarkets, Auto Dealer, Insurance, Quick Service Restaurants)
- 1 AED =0.2 points on(Education, Government service, Real state, Telecommunication)
- 15,000 Bonus TouchPoints- For spends of AED 15,000
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.
Airlines Program:
Key benefits
- Unlimited Complementary Lounge access for 2 persons.
- VOX Cinemas- Buy one, get one Free in addition to a 25% discount on select meals.
- 20% off Talabat orders, for up to AED 20 off per order on 4 orders a month.
- Buy 1 Get 1 free on Coffee at Caribou Coffee.
- 15% off Noon.com for upto AED 100 once a month.
- Complimentary Golf Access.
Other benefits
- Visa experience with the ENTERTAINER App offer.
- Global Concierge.
Why We Choose It
- Low annual fee relatively.
- Touchpoints upon reaching a spending threshold.
- Generous welcoming bonus.
- Touchpoints are also awarded for utilizing additional banking products, including current accounts, loans, and digital banking activities.
What We Did Not Like
- If the spending threshold is not reached each month, the total points accumulated will be less valuable without the bonus points.
Cashback %
Rewards Mechanism
- Up to 1 TouchPoint for every AED 1 spent.
- 1 AED= 0.4 points on (Supermarkets, Auto Dealer, Insurance, Quick Service Restaurants).
- 1 AED =0.2 points on(Education, Government service, Real state, Telecommunication).
- 10,000 Bonus TouchPoints- For spends of AED 10,000.
Why We Choose It
- First-year free offer available.
- Bonus Touchpoints upon reaching a spending threshold.
- Touchpoints are also awarded for utilizing additional banking products, including current accounts, loans, and digital banking activities.
Welcoming Gift/Bonus
- Currently no welcoming gifts/bounce.
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
- ADCB Touchpoints Program.
Reward Mechanism:
- Up to 1 TouchPoint for every AED 1 spent.
- 1 AED= 0.4 points on (Supermarkets, Auto Dealer, Insurance, Quick Service Restaurants).
- 1 AED =0.2 points on(Education, Government service, Real state, Telecommunication).
- 10,000 Bonus TouchPoints- For spends of AED 10,000.
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.
Airlines Program:
Key benefits
- Unlimited Complementary Lounge access for one for Mastercard holders
- 3 complimentary visits for lounges for two for Visa card holders.
- 20% off Talabat orders, for up to AED 20 off per order on 2 orders a month.
- Buy 1 Get 1 free on movie tickets at Vox Cinema.
- Complimentary Golf Access.
Other benefits
- Discounts on Farfetch shopping App.
Why We Choose It
- First-year free offer available.
- Bonus Touchpoints upon reaching a spending threshold.
- Touchpoints are also awarded for utilizing additional banking products, including current accounts, loans, and digital banking activities.
What We Did Not Like
- If the spending threshold is not reached each month, the total points accumulated will be less valuable without the bonus points.
- No Welcoming bonus is available.
