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 include Charities, Education, Fuel (Petrol/Gas stations), Automobiles & Vehicles, Government services / Bill Payments, Quasi Cash Merchants, Real Estate, Telecommunication & Utilities, and Transportation.
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 welcome 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 include Charities, Education, Fuel (Petrol/Gas stations), Automobiles & Vehicles, Government services / Bill Payments, Quasi Cash Merchants, Real Estate, Telecommunication & Utilities, and Transportation.
AirRewards can be redeemed for flights, seats, meals, and baggage.
Key benefits
- Complementary lounge access for one person.
- Free annual return ticket to and from any Air Arabia destination when you spend AED 30,000.
- 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 welcome 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 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
41 FAB Rewards (equivalent to 12% cashback) on flight & hotel spends.
For every AED 1:
- 3 FAB Rewards on domestic spends (excluding hotel and airline spend).
- 0.5 FAB Rewards on selected everyday categories.
Why We Choose It
- 0% foreign currency fees is a key advantage.
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 complianceRewards program
FAB Rewards
41 FAB Rewards (equivalent to 12% cashback) on flight & hotel spends.
For every AED 1:
- 3 FAB Rewards on domestic spends (excluding hotel and airline spend).
- 0.5 FAB Rewards on selected everyday categories.
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
- Complimentary lounge access for the cardholder and two guests can enjoy global airport lounges. The second guest can enjoy up to six visits if a minimum spend of AED 5,000 per month.
- 0% foreign currency conversion fees.
- Up to 6 free airport transfers a year within the UAE with the Careem App
- Airport Security Fast Track Services up to 3 times a year.
- Free flight each year to over 15 destinations with a minimum annual spend of AED 300,000.
- 1 GB of free global roaming data 3 times a year with the Flexiroam app
- Exchange FAB Rewards into Etihad Guest Miles, and much more.
Other benefits
- Travel Medical and Inconvenience Insurance.
- Exclusive Travel Discounts and benefits on Cleartrip, Hertz car rental rewards, visa assistance, and travel concierge services.
Why We Choose It
- 0% foreign currency fees is a key advantage.
What We Did Not Like
- No significant welcoming bonus.
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 Hotel welcome voucher from Expedia.ae
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 two persons. ( 14 complimentary visits per year)
- 6 complimentary airport transfers per year.
- Airport security fast track services.
- Up to 10% cashback on booking.com.
Other benefits
- Complimentary golf access for one person.
- 20% off at Talabat food and grocery delivery.
- 4 complimentary airport rides per year with Careem App, saving up to AED 85 on each ride
- 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
- Generous welcoming bonus.
Welcoming Gift/Bonus
Get up to 25,000 Reward points, equal to €500 in hotel stays at Accor hotels around the world.
- 7,500 Reward points from ALL when you apply for the card.
- 10,000 Reward points from ALL as an introductory offer.
- 7,500 Reward points from ALL when you spend AED 20,000 within 90 days from the card issue date.
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
- Generous welcoming bonus.
What We Did Not Like
- Benefits are mainly discounts, rather than complimentary.
- The rewards rating for domestic spending is low.
Rewards Mechanism
Earn dnata Points on spends :
- 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
Earn up to 2,500 dnata points as a welcome bonus :
- 1,000 dnata points on payment of the joining fee
- 1,500 dnata points on retail spends of AED 25,000 in the first three 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
Earn dnata Points on spends :
- 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 one person. Additional guests will be charged US$32 per guest / per visit.
- Golf Privileges (golf access twice a month)
- 4 complimentary valet parking services per month at selected locations in 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 spends.
- Earn up to 1.5 Marriott Bonvoy points on general domestic spend.
- 1.5 points per US$1 on general retail shopping (e.g., apparel, dining, etc.)
- 0.375 points per US$1 on grocery and supermarkets, insurance, car dealership-related, and quick-service restaurants (i.e., fast-food restaurants)
- 0.15 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
- Exceptional benefits for Marriot hotels visitors around the world.
- Wide range of benefits.
Welcoming Gift/Bonus
Receive 1 Free Night Award on cumulative retail spends of US$6,000 in the first three billing statements from Card issuance.
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 spends.
- Earn up to 1.5 Marriott Bonvoy points on general domestic spend.
- 1.5 points per US$1 on general retail shopping (e.g., apparel, dining, etc.)
- 0.375 points per US$1 on grocery and supermarkets, insurance, car dealership-related, and quick-service restaurants (i.e., fast-food restaurants)
- 0.15 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 one person. Additional guests will be charged US$32 per guest / per visit.
- Get automatic Silver Elite status and a fast track to Gold Elite status.
- An annual one Free Night Award valued at 35,000 Marriott Bonvoy points on the Card anniversary.
- For each calendar year, receive 10 Elite Night Credits towards the next level of Marriott Bonvoy Elite status.
Other benefits
- Buy 1, get one free offer on movie tickets at both Reel and VOX Cinemas. Plus, get 20% off on food and beverages at Reel Cinemas and 25% off at VOX Cinemas.
Why We Choose It
- Exceptional benefits for Marriot hotels visitors around the world.
- Wide range of benefits.
What We Did Not Like
- The welcome bonus is in the form of nights, and no points are 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
Get up to 50,000 Reward points, equal to €1,000 in hotel stays at Accor hotels around the world.
- 15,000 Reward points from ALL when you apply for the card.
- 20,000 Reward points from ALL as an introductory offer.
- 15,000 Reward points from ALL when you spend AED 30,000 within 90 days from the card issue date.
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 two 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 a 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 and all other spends.
- 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
Elevate your travels with up to 150,000 Marriott Bonvoy points :
Start your journey with 75,000 Marriott Bonvoy points just by activating your new card and paying the joining fee. Then, earn an extra 75,000 bonus points when you spend US$15,000 on everyday purchases within the first three months.
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 and all other spends.
- 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 two persons.
- Get automatic Marriott Bonvoy Gold Elite status and a fast track to Platinum Elite status.
- An annual one Free Night Award valued at 50,000 Marriott Bonvoy points on the Card anniversary.
- For each calendar year, receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status.
- Express Points Programme.
Other benefits
- Buy 1, get one free offer on movie tickets at both Reel and VOX Cinemas. Plus, get 20% off on food and beverages at Reel Cinemas and 25% off at VOX Cinemas.
- Golf Privileges (golf access twice a month)
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
- A minimum monthly spend of AED 10,000 is required to qualify for cashback.
- 10% Cashback on Travel: This applies to domestic and international flights, hotels, and dining during your stay.
- 10% Cashback at Supermarkets: Valid for purchases at supermarkets worldwide.
- 10% Cashback on Dining.
- 1% for other retail spends.
- 3% for e-wallet spends (E-wallet transactions are all transactions made through Apple Pay, Samsung Pay, and Google Pay).
- 0.25% cashback on all spends under the Government Services and Utility category.
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 750 welcome bonus for a limited time until 31/08/2025.
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
- A minimum monthly spend of AED 10,000 is required to qualify for cashback.
- 10% Cashback on Travel: This applies to domestic and international flights, hotels, and dining during your stay.
- 10% Cashback at Supermarkets: Valid for purchases at supermarkets worldwide.
- 10% Cashback on Dining.
- 1% for other retail spends.
- 3% for e-wallet spends (E-wallet transactions are all transactions made through Apple Pay, Samsung Pay, and Google Pay).
- 0.25% cashback on all spends under the Government Services and Utility category.
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.
