Rewards Mechanism
- For every AED 5 :
1.75 AirRewards on spends at AirArabia.com.
1.75 AirRewards on international spends.
1.25 AirRewards on local spends.
0.30 AirRewards on special categories spends.
Why We Choose It
- Card benefits on Air Arabiya are generous.
- The card is suitable for Arabia air traveller.
Welcoming Gift/Bonus
20,000 AirRewards bonus
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 complianceRewards program
AirRewards
- For every AED 5 :
1.75 AirRewards on spends at AirArabia.com.
1.75 AirRewards on international spends.
1.25 AirRewards on local spends.
0.30 AirRewards on special categories spends.
AirRewards can be redeemed for flights, seats, meals, and baggage.
Key benefits
- Complementary lounge access for 1 person.
- Free annual return ticket to and from any Air Arabia destination when you spend AED 30,000.
- 2 Free airport transfers with Careem app.
- By spending AED 20,000, you could unlock a free 10 kg baggage allowance and two meal vouchers, available for use once per year.
Other benefits
- 50% off VOX Cinema tickets.
- 25% discount on your first Fiit subscription payment.
Why We Choose It
- Card benefits on Air Arabiya are generous.
- The card is suitable for Arabia air traveller.
What We Did Not Like
- Redemption options are limited.
Rewards Mechanism
- For every AED 100 spent:
* 1.0 Exceed Rewards on international spends
* 0.125 Exceed Reward on local spends
* 2.5 Exceed Rewards on Airline Spends (capped at 50 Exceed Rewards per transaction and 150 Exceed Rewards a month).
Why We Choose It
- Low annual fee relatively.
Welcoming Gift/Bonus
Currently, no welcoming offer 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 complianceRewards program
Exceed Rewards.
- For every AED 100 spent:
* 1.0 Exceed Rewards on international spends
* 0.125 Exceed Reward on local spends
* 2.5 Exceed Rewards on Airline Spends (capped at 50 Exceed Rewards per transaction and 150 Exceed Rewards a month).
Exceed points can be redeemed for utility payments, retail or online shopping vouchers, flight purchases, and much more.
Key benefits
- Complementary lounge access for 1 person.
- 10% discount through the Booking.com Genius Program.
- Concierge Services.
Other benefits
- Free Valet Parking twice a month.
Why We Choose It
- Low annual fee relatively.
What We Did Not Like
- No welcoming bonus is available.
- The benefits included are limited.
Rewards Mechanism
- For every USD 1:
* 1.5 FAB Miles on retail purchases anywhere
* 2 FAB Miles on any travel purchase
Why We Choose It
- Generous welcoming bonus.
- 0% foreign currency fees is a key advantage.
Welcoming Gift/Bonus
- Travel Voucher worth AED 1,500.
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 complianceRewards program
FAB Miles program.
- For every USD 1:
* 1.5 FAB Miles on retail purchases anywhere
* 2 FAB Miles on any travel purchase
Redemption options include games, shopping vouchers, gift cards, cashback, travel perks, frequent flyer miles, and Shukrans. Use your points to enter a raffle draw for a chance to win additional rewards.
Key benefits
- Complementary lounge access for 2 persons.
- 0% foreign currency fees.
- Free airport transfers across the UAE.
- International airport transfers with UBER (yearly credit up to US $150 for up to six rides capped at USD $25).
- One complimentary night for every three paid nights when booked through the FAB Travel Portal.
- Up to 8 free airport transfers a year within the UAE.
- Exchange miles with more than 10 airline/travel partner program.
Other benefits
- Golf Discounts.
Why We Choose It
- Generous welcoming bonus.
- 0% foreign currency fees is a key advantage.
What We Did Not Like
later.
Rewards Mechanism
Why We Choose It
- The card is ultimate for frequent travelers.
- 0% foreign currency fees is a key advantage.
Welcoming Gift/Bonus
AED 2,000 Welcome Voucher.
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 complianceRewards program
Key benefits
- 0% foreign currency fees.
- Airport Lounge Access for 2 persons.
- 6 complimentary airport transfers per year.
- Airport security fast track services.
- Up to 10% cashback on booking.com.
Other benefits
- Complimentary golf access.
- 20% off at Talabat food and grocery delivery.
- 20% off at Careem rides.
- Shahid: 50% off on VIP monthly package.
Why We Choose It
- The card is ultimate for frequent travelers.
- 0% foreign currency fees is a key advantage.
What We Did Not Like
- The card offers limited benefits on domestics spending inside UAE.
Rewards Mechanism
- For every USD 1:
* 2 Reward points from ALL on spends at Accor hotels in the UAE.
* 2 Reward points from ALL on international spends.
* 1 Reward points from ALL on domestic spend.
Why We Choose It
Later.
Welcoming Gift/Bonus
25,000 Reward points, equal to €5,00 in hotel stays at Accor hotels worldwide.
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 complianceRewards program
ALL Rewards Program.
- For every USD 1:
* 2 Reward points from ALL on spends at Accor hotels in the UAE.
* 2 Reward points from ALL on international spends.
* 1 Reward points from ALL on domestic spend.
Redeem your Rewards points at over 4,600 Accor Hotels worldwide, including Raffles, Fairmont, Sofitel, Mercure, Ibis, and many more.
Key benefits
- Complementary lounge access for 1 person.
- 50% discount on beach and pool access at select Accor hotels in the UAE, including Raffles, Fairmont, Sofitel, and more.
- 35% off all-inclusive beach access at select Rixos resorts in the UAE.
- 25% discount on dining at select Accor restaurants in the UAE.
- 25% discount on spa at select Accor spas in the UAE.
- Complimentary night stay on card anniversary with a condition of two-night booking.
- Upgrade to ALL Gold status (benefits include an upgrade to a suite, access to the Executive Lounge, early check-in, and more).
Other benefits
- Mult-trip travel insurance.
- Global concierge.
Why We Choose It
Later.
What We Did Not Like
- Benefits are mainly discounts and not complementary.
- Rewards rating on domestic spends is low.
Rewards Mechanism
- 15% on Costa Coffee, City Sightseeing, Giraffe and dnata Travel.
- 10% at MMI, Al Hamra Cellar, Arabian Adventures, Le Clos, and on Duty-Free shopping.
- 2% on all retail spends.
Why We Choose It
- Generous welcoming bonus.
Welcoming Gift/Bonus
Up to AED 2,500 worth travel vouchers :
- AED 1,000 voucher on paying the joining fee
- AED 1,500 voucher on retail spends of AED 25,000 in the first 3 billing statements
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 complianceRewards program
dnata Loyalty Program
- 15% on Costa Coffee, City Sightseeing, Giraffe and dnata Travel.
- 10% at MMI, Al Hamra Cellar, Arabian Adventures, Le Clos, and on Duty-Free shopping.
- 2% on all retail spends.
dnata Points can be redeemed instantly against purchases you make at participating stores or directly through dnata Travel at a conversion rate of 1 dnata Point = 1 AED.
Key benefits
- Airport Lounge Access for 1 person.
- Golf privileges.
- 4 complimentary valet parking services per month at Abu Dhabi.
Other benefits
- Concierge services.
Why We Choose It
- Generous welcoming bonus.
What We Did Not Like
- High annual fee relatively.
Rewards Mechanism
- For every USD 1 :
* 3 Marriott Bonvoy points at hotels and resorts participating in Marriott Bonvoy
*1.5 Marriott Bonvoy points on international
* 1.5 Marriott Bonvoy points on general domestic spend
* 0.375 points on grocery and supermarkets, insurance, car dealership-related, and quick-service restaurants.
* 0.15 points on real estate, education, petroleum, government services, car-hailing services, food delivery aggregators, and bill payments (including utility and telecommunication)
Why We Choose It
- Exceptional benefits for Marriot hotels visitors around the world.
- Wide range of benefits.
Welcoming Gift/Bonus
Up to 2 Free Night Award when you spend US$6,000 or more on your Credit Card in the first three months of Card membership.
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 complianceRewards program
Marriott Bonvoy program.
- For every USD 1 :
* 3 Marriott Bonvoy points at hotels and resorts participating in Marriott Bonvoy
*1.5 Marriott Bonvoy points on international
* 1.5 Marriott Bonvoy points on general domestic spend
* 0.375 points on grocery and supermarkets, insurance, car dealership-related, and quick-service restaurants.
* 0.15 points on real estate, education, petroleum, government services, car-hailing services, food delivery aggregators, and bill payments (including utility and telecommunication)
Redeem points at over 30 hotel brands and 10,000 global destinations including: W Rome, The Ritz Carlton Maldives,The Westin Hollywood Edition Los Angeles etc.
Key benefits
- Airport Lounge Access for 1 person.
- Marriott Bonvoy Silver Elite Status and fast track to Gold Elite status.
- An annual Free 2 Nights Award on card anniversary.
- Elite Night Credits ( 10 Elite Night Credits towards the next level of Marriott Bonvoy Elite status).
Other benefits
- Buy 1 Get 1’ on movie tickets and 20% off on cinema food & beverages at Reel Cinema Golf Privileges.
Why We Choose It
- Exceptional benefits for Marriot hotels visitors around the world.
- Wide range of benefits.
What We Did Not Like
- Welcoming bonus is inform of nights, and there is no points gifted.
Rewards Mechanism
- For every USD 1:
* 3 Reward points from ALL on spends at Accor hotels in the UAE.
* 3 Reward points from ALL on international spends.
* 1.5 Reward points from ALL on domestic spend.
Why We Choose It
- Exceptional benefits at Accor hotels making the card a must-have for Accor hotels regulars.
- Outstanding benefits are offered both within the UAE and abroad.
Welcoming Gift/Bonus
50,000 Reward points, equal to €1,000 in hotel stays at Accor hotels around the world.
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 complianceRewards program
ALL – Rewards Program
- For every USD 1:
* 3 Reward points from ALL on spends at Accor hotels in the UAE.
* 3 Reward points from ALL on international spends.
* 1.5 Reward points from ALL on domestic spend.
Redeem your Rewards points at over 4,600 Accor Hotels worldwide, including Raffles, Fairmont, Sofitel, Mercure, Ibis, and many more.
Key benefits
- Complementary lounge access for 2 persons.
- Free beach & pool access at select Accor hotels in the UAE: Raffles, Fairmont, Sofitel & more
- 25% discount on dining at selected Accor restaurants in the UAE
- 25% discount on spa at select Accor spas in the UAE
- Upgrade to ALL Platinum status (benefits include: upgrade to suite, Executive Lounge access, early check-in, and more)
- Exclusive benefits in the finest Accor Luxury and Premium hotels on all eligible stays that include (€50 or $50 equivalent to F&B credit per stay, Complimentary daily breakfast for 2, room upgrade, and late checkout – subject to availability).
- Complimentary night stay on card anniversary with a condition of two-night booking.
Other benefits
- Mult-trip travel insurance.
- Global concierge.
Why We Choose It
- Exceptional benefits at Accor hotels making the card a must-have for Accor hotels regulars.
- Outstanding benefits are offered both within the UAE and abroad.
What We Did Not Like
- Rewards rating on doemstics spends is low.
Rewards Mechanism
For every USD 1:
- 6 Marriott Bonvoy points at hotels and resorts participating in Marriott Bonvoy.
- 3 Marriott Bonvoy points on international spend.
- 3 Marriott Bonvoy points on general domestic spend.
- 0.75 points on grocery and supermarkets, insurance, car dealership-related, and quick-service restaurants.
- 0.10 points per US$1 on real estate, education, petroleum, government services, car-hailing services, food delivery aggregators, and bill payments (including utility and telecommunication).
Why We Choose It
- Remarkable benefits for visitors to Marriott hotels globally.
- Generous Welcoming bonus.
- Relatively low APR.
- Express Points Programme allow extra rewards for high spenders.
Welcoming Gift/Bonus
150,000 Marriott Bonvoy welcome bonus points.
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 complianceRewards program
Marriott Bonvoy Program
For every USD 1:
- 6 Marriott Bonvoy points at hotels and resorts participating in Marriott Bonvoy.
- 3 Marriott Bonvoy points on international spend.
- 3 Marriott Bonvoy points on general domestic spend.
- 0.75 points on grocery and supermarkets, insurance, car dealership-related, and quick-service restaurants.
- 0.10 points per US$1 on real estate, education, petroleum, government services, car-hailing services, food delivery aggregators, and bill payments (including utility and telecommunication).
Redeem points at over 30 hotel brands and 10,000 global destinations including: W Rome, The Ritz Carlton Maldives,The Westin Hollywood Edition Los Angeles etc.
Key benefits
- Airport Lounge Access for 2 persons.
- Marriott Bonvoy Elite Status.
- An annual Free 2 Night Award on card anniversary.
- Elite Night Credits ( 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status).
- Express Points Programme.
Other benefits
- Buy 1, Get 1’ on movie tickets and 20% off on cinema food & beverages at Reel Cinema
- Golf Privileges.
Why We Choose It
- Remarkable benefits for visitors to Marriott hotels globally.
- Generous Welcoming bonus.
- Relatively low APR.
- Express Points Programme allow extra rewards for high spenders.
What We Did Not Like
- The card might not be the best option if you are not a frequent traveller.
Rewards Mechanism
Why We Choose It
- First Year Free offer.
- Highest cashback rates in the UAE.
- Earning 3% cashback on digital wallet spends adds an innovative touch and exceptional value to the card.
Welcoming Gift/Bonus
Receive an AED 1,000 welcome bonus for a limited time until 07/07/2025.
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 complianceRewards program
Key benefits
- Complementary airport lounge access for one person.
- 2 complimentary airport transfers per year with the Careem App.
- 10% cashback on booking.com.
- Exclusive discount on one food or grocery delivery per month through Talabat App.
Other benefits
- 50% off at VOX Cinemas for select movie experiences at all times.
Why We Choose It
- First Year Free offer.
- Highest cashback rates in the UAE.
- Earning 3% cashback on digital wallet spends adds an innovative touch and exceptional value to the card.
What We Did Not Like
- A minimum spend of AED 10,000 per month is required to be eligible for the cashback rewards.
