Best UAE Nationals Credit Cards
Top Credit Card of The Month!
Best UAE Nationals Credit Cards
EIB-Emarati Credit Card
An exclusive Shariah-compliant credit card with no annual fee, offering AED 1,000 in EI SmartMiles as a welcome bonus when you spend AED 30,000 within the first 60 days.
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Our reviews and ratings are based on competitive intelligence analysis, which compares UAE credit cards across various categories. We use different simulation techniques to identify the top cards for each category, tailored to different income profiles.
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Cashback %
Rewards Mechanism
- Up to 3.75 El Smart Miles on international spends.
- Upto 2.5 El Smart Miles on domestic spends.
Why We Choose It
- No annual fee.
- EI SMART MILES rewards program is very rewarding for the Emirati traveler.
- Unique set of benefits like Padel clubs and Ladies clubs access.
- Exclusive Metal Card designed for Emaratis.
- Shariah Compliant Credit card.
Welcoming Gift/Bonus
- Get AED 1,000 in EI SmartMiles when you spend AED 30,000 within 60 days of card activation.
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
- El SmartMiles rewards program.
Reward Mechanism:
- Up to 3.75 El Smart Miles on international spends.
- Upto 2.5 El Smart Miles on domestic 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 Airport Lounge Access for one person.
- Global Concierge.
- Travel Insurance.
- Visa Luxury Hotel Collection.
Other benefits
- 50% off your food orders twice a month on the Talabat app.
- Complimentary Roxy Cinemas Ticket twice a month.
- Access to Dubai Ladies Club & Sharjah Ladies Club.
- Enjoy 15% off on Emaar Entertainment Attractions.
- Meet & Greet Silver Service.
- Two Valet Parking per month.
Why We Choose It
- No annual fee.
- EI SMART MILES rewards program is very rewarding for the Emirati traveler.
- Unique set of benefits like Padel clubs and Ladies clubs access.
- Exclusive Metal Card designed for Emaratis.
- Shariah Compliant Credit card.
What We Did Not Like
- This Visa Signature card offers Signature-level benefits, which may not be as appealing to holders of typical Infinite cards.
Cashback %
Rewards Mechanism
- For Every 1 AED Spent:
– 15 FAB Islamic Rewards at beauty and fragrance store shopping.
– 10 FAB Islamic Rewards on international spending.
– 5 FAB Islamic Rewards on all other spending.
Why We Choose It
- The card is specially designed for Emirati shoppers, offering various discounts and points redemption options at numerous stores.
- The card provides excellent benefits for dining, shopping, and travel.
- Shariah Compliant Credit card.
Welcoming Gift/Bonus
Annual Fee back after spending AED 30,000 within the first 3 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 complianceCashback Info:
Rewards program
FAB Islamic Rewards.
Reward Mechanism:
- For Every 1 AED Spent:
– 15 FAB Islamic Rewards at beauty and fragrance store shopping.
– 10 FAB Islamic Rewards on international spending.
– 5 FAB Islamic Rewards on all other spending.
Redeem points:
Redemption options include instant store redemptions, shopping vouchers, gift cards, cashback, travel benefits, frequent flyer miles, and utility bill payments.
Airlines Program:
Key benefits
- Complimentary Airport Lounge Access for two.
- Up to 20% discount on dining at The Arabian Tea House, Allo Beirut, and 150 more Emirati-preferred restaurants.
- Free access to gyms and padel courts across the UAE.
- Up to 25% off shopping online at Ounass and 6thStreet.com
Other benefits
- Global Blue International VIP services include tax-free shopping and more.
- Free valet parking across the UAE, including Dubai Mall.
- 2 Free airport transfers with Careem.
- Discounts on Halalbooking.com.
- International Halal dining discounts.
Why We Choose It
- The card is specially designed for Emirati shoppers, offering various discounts and points redemption options at numerous stores.
- The card provides excellent benefits for dining, shopping, and travel.
- Shariah Compliant Credit card.
What We Did Not Like
- The welcome bonus offers the annual fee back as FAB Islamic Rewards. Alternatively, it could be improved by providing a first-year-free offer along with FAB Rewards as a welcome bonus.
Cashback %
Rewards Mechanism
- Up to 0.70 TouchPoints on international spends.
- 0.40 TouchPoints on domestic spends.
Why We Choose It
- Exclusive credit cards for Emiratis.
- A metal, laser-etched card that showcases the name.
- Comprehensive set of benefits such as travel benefits and Gym access.
- It is suitable for both Dubai and Abu Dhabi Residents.
- Relatively Low APR.
Welcoming Gift/Bonus
300,000 TouchPoints as a 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 complianceCashback Info:
Rewards program
ADCB Touchpoints program.
Reward Mechanism:
- Up to 0.70 TouchPoints on international spends.
- 0.40 TouchPoints on domestic spends.
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
- Complementary Airport Lounge Access for two persons.
- 6 complimentary airport transfers with Careem App.
- Up to 10% cashback on Booking.com.
Other benefits
- VOX Cinema – Buy one get one free.
- Complimentary Access to Uform fitness.
- 20% discount on Talabat Grocery & Food Delivery twice a month.
- Buy One, Get One Free at Caribou Coffee.
- Concierge Service.
- Complimentary Membership in Platinum Tier of U by Emaar.
- Travel Insurance.
Why We Choose It
- Exclusive credit cards for Emiratis.
- A metal, laser-etched card that showcases the name.
- Comprehensive set of benefits such as travel benefits and Gym access.
- It is suitable for both Dubai and Abu Dhabi Residents.
- Relatively Low APR.
What We Did Not Like
- High annual fee.
Cashback %
Rewards Mechanism
- 5 RAK rewards on international spends.
- 3 RAK rewards on domestic spends.
Why We Choose It
- No annual fee.
- Generous Welcoming bonus.
- Exclusive Eco-friendly card for Emariatis.
- The profit rate is significantly low.
Welcoming Gift/Bonus
- No welcoming bonus,but a Free for Life credit card and then 1049 AED
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
- RAK Rewards Program
Reward Mechanism:
- 5 RAK rewards on international spends.
- 3 RAK rewards on domestic spends.
Redeem points:
Airlines Program:
Key benefits
- Complementary Airport Lounge Access for one.
- 2 complimentary airport transfers per year.
- 20% discount on Careem.
- 2 Valet Parking tickets per month.
Other benefits
- 100% cashback on Salik and DARB.
- Discounted RAK rewards for flight bookings using the RAK rewards portal.
- Free Premium subscription at Playtomic and discounted games.
- Free streaming subscriptions.
Why We Choose It
- No annual fee.
- Generous Welcoming bonus.
- Exclusive Eco-friendly card for Emariatis.
- The profit rate is significantly low.
What We Did Not Like
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