Using UAE credit cards without annual fees helps you cut costs, earn rewards, and build your credit score. But, there are so many options within the region, and picking one or a few can feel overwhelming.

To help, we’ve curated this list of the 10 best credit cards in the UAE without annual fees. We’ll highlight the key features, interest rates, and eligibility requirements for each. But first, let’s start by exploring the key selection considerations.

Note: All the cards on this list have a minimum eligibility age of 21 years old.

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Factors to consider when choosing a UAE credit card without annual fees

1. What rewards and benefits does the credit card offer?

Choose a credit card that offers attractive perks, from cashback to airport lounge access, or usage points. Maximize its benefits by confirming that they align with your spending habits.

2. How much interest rate and additional fees does the card attract?

While the credit card has no annual fee, check its interest rates on purchases and transfers, local or international. Also, confirm the card’s late payment or cash advance fees to avoid unexpected costs.

3. Which criteria do potential card users need to meet?

Different credit card providers have varying user eligibility criteria. These include minimum income levels and age limits. So, before applying for a credit card and risking lost time on an unsuitable option, ensure that you meet these requirements.

4. Is the card Shariah-compliant?

If you prefer Islamic banking principles, check whether the credit card you’re considering is Shariah-compliant. For example, a Shariah-compliant credit card will charge a profit rate instead of an interest rate (which is Riba and unethical according to Islamic practices).

5. Does the card’s credit limit meet your requirements?

If a card’s credit limit is below what you’ll typically need monthly, explore an option that fits your spending needs better.

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What are the best credit cards in UAE without annual fees?

1. Standard Chartered Manhattan Platinum Credit Card
2. DIB Prime Signature Credit Card
3. CBD Visa Platinum card
4. Blue FAB Infinite Credit Card
5. CBI Reward Platinum MasterCard
6. Emirates NBD Lulu 247 Titanium
7. RAKBANK Titanium Credit Card
8. ADCB Talabat Platinum Card
9. HSBC Platinum Select
10. Mashreq Cashback Credit Card

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1. Standard Chartered Manhattan Platinum Credit Card

The Standard Chartered Manhattan Platinum credit card tops this list because its new users do not have to pay annual fees. From year two though, its annual fee is AED 525.

• Interest rate: 27.9%
• Rewards: Buy 1 Get 1 offers at certain cinemas, free lounge access at 1000+ airport lounges worldwide, and more
• Shariah-compliance: ❌
• Minimum salary/income: AED 5,000
• Documents required: Copy of your Emirates ID/Passport, visa copy, and salary transfer letter or bank statement/salary certificate

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2. DIB Prime Signature Card

The Dubai Islamic Bank Prime Signature card is a zero annual fee credit card perfect for business and personal travel.

• Profit rate: 3.25% per month
• Rewards: Immediate access to Wala’a Rewards (DIB’s loyalty program), free valet parking in specific locations, roadside assistance, airport lounge access, etc. Note - Access to these offers depends on maintaining a minimum monthly spend of AED 5,000.
• Shariah-compliance: ✅
• Minimum salary/income: AED 8,000
• Documents required: None

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3. CBD Visa Platinum Card

The CBD Visa Platinum card does not come with annual fees but it offers many benefits, including 50% off cinema tickets and up to 5 free supplementary cards.

• Interest rate: 3.45% monthly
• Rewards: Zero interest on balance transfers for up to 1 year, 500+ lifestyle benefits and other discount offers via the CBD mobile app, and more.
• Shariah-compliance: ✅
• Minimum salary/income: AED 5,000
• Documents required: For salaried individuals - National ID or valid passport, residence visa, and Emirates ID. For self-employed people - National ID or valid passport, residence visa, Emirates ID, and valid trade license.

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4. Blue FAB Infinite Credit Card

The Blue FAB Infinite credit card guarantees zero annual fees, free supplementary cards, and 0% interest on installment payments.

• Interest rate: 1.66% per month in year 1, 3.85% subsequently
• Rewards: 5% cashback on Al-Futtaim brands for every AED 1 spent, 0% balance transfers, airport lounge access, 2-for-1 offers via the Entertainer app, and more.
• Shariah-compliance: ❌
• Minimum salary/income: AED 40,000
• Documents required: None

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5. CBI Reward Platinum MasterCard

The CBI Reward Platinum MasterCard has no annual fees and a rewards loyalty program with lifestyle and travel benefits.

• Interest rate: 2.99%
• Rewards: Earn and redeem points for purchases, airport lounge access, free movie tickets at any UAE cinema, free supplementary cards for family members, etc.
• Shariah-compliance: ❌
• Minimum salary/income: AED 15,000
• Documents required: None

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6. Emirates NBD Lulu 247 Titanium

The Emirates NBD Lulu 247 Titanium credit card does not charge an annual fee and allows instant cash withdrawals from over 80,000 ATMs worldwide.

• Interest rate: 3.25% per month
• Rewards: 0% interest balance transfer, 3.5% LuLu points on daily spends, complimentary lounge access, flexible payment plans, and more.
• Shariah-compliance: ❌
• Minimum salary/income: AED 5,000
• Documents required: For salaried individuals — Emirates ID and copy with passport copy, 3-month bank statements, security cheque, and salary certificate. For self-employed individuals — Emirates ID and copy with passport copy, 3-month bank statements, security cheque, and valid trade license.

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7. RAKBANK Titanium Credit Card

The RAKBANK Titanium card doesn’t require an annual fee for benefits like 50% cash back on entertainment spending, and hotel and car rental discounts.

• Interest rate: 3.45% per month
• Rewards: Cashback on retail purchases globally, discount offers on chauffeur rides with Careem, access to over 10 VIP lounges, and travel insurance.
• Shariah-compliance: ❌
• Minimum salary/income: AED 8,000
• Documents required: Valid Emirates ID, salary certificate or proof of income, and security cheque of the value of your credit limit.

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8. ADCB Talabat Platinum Card

The ADCB Talabat Platinum card includes no annual fees, unlimited free delivery on orders via Tablabat Pro restaurants, and personalized card designs.

• Interest rate: 3.69% per month
• Rewards: 35% back on the first 10 Talabat orders monthly, AED 500 welcome bonus for a minimum spend of AED 2,500 in 45 days, flight and hotel discounts, etc.
• Shariah-compliance: ❌
• Minimum salary/income: AED 5,000
• Documents required: Valid Emirates ID, salary certificate, and passport and visa copies for non-UAE nationals.

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9. HSBC Platinum Select Card

The HSBC Platinum Select Card has an annual fee of AED 0 plus additional offers like 24/7 concierge and discounts at over 400 restaurants in the UAE.

• Interest rate: 44.28% annual percentage rate
• Rewards: Get up to AED 800 cashback, interest-free days for installment payments, balance transfers, 10,000+ Buy 1 Get 1 Free offers via the HSBC ENTERTAINER app.
• Shariah-compliance: ❌
• Minimum salary/income: None, but you’ll need to transfer a minimum of AED 5,000 monthly to an HSBC personal account
• Documents required: Valid passport and Emirates ID, residence visa (for non-GCC nationals), proof of residence (utility bill, title deeds, or tenancy agreement), and recent bank statements.

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10. Mashreq Cashback Credit Card

The Mashreq Cashback credit card charges zero annual fees and has benefits such as cashback on all spends and up to 57 days of 0% interest on payment plans.

• Interest rate: 3.85% per month
• Rewards: AED 500 welcome bonus (when you spend AED 5,000 in the first 2 months), 20% cashback at select merchants, a digital card for online payments, and more.
• Shariah-compliance: ❌
• Minimum salary/income: AED 5,000
• Documents required: Emirates ID, salary certificate, bank statements, passport and visa copies for non-UAE nationals.

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Let’s narrow it down

Still not sure which fee-free credit card to choose? Check out more options on Daleel. Or, tell us your salary range, employment status, and Shariah requirements, and we’ll match you with the best options for your needs.

We also offer free:

• Search and comparisons for other financial products like prepaid cards, personal loans, and deposit accounts.
• Perks and rewards like event or gift box discounts.
• Expert financial advice from real-world professionals.

Download the Daleel app today and get the most suitable credit cards and products for your financial needs.