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.
we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.
We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”
Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.
We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.
Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.
Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.
Sure, you can contact us at customer-support@cardsmatcher.com
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
Apply for Emirates Islamic Emarati Credit Card and you get up to 100,000 EI SmartMiles worth AED 1,000 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
Currently, no welcoming bonus 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 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 you, plus guest access up to 6 times per year.
- 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 including UFC Gyms, Champs, and Just Padel — when you meet a monthly spend of AED 10,000.
- Up to 25% off online fashion at partners such as 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 per year with Careem App.
- Hotel discounts of up to 20% at 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
ADCB-Betaqti Credit Card offers 300,000 TouchPoints as a welcoming 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 RAKrewards on international spends.
- 3 RAKrewards on domestic spends.
Why We Choose It
- Exclusive Eco-friendly card for Emariati.
- Generous Welcoming bonus.
- The profit rate is significantly low.
Welcoming Gift/Bonus
RAKIslamic Watani Credit Card currently offers 50,000 RAKrewards 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
- RAKrewards Program
Reward Mechanism:
- 5 RAKrewards on international spends.
- 3 RAKrewards 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
- Exclusive Eco-friendly card for Emariati.
- Generous Welcoming bonus.
- The profit rate is significantly low.
What We Did Not Like
- Relatively high annual fee.
