Perkly Card Index · August 2026 · No annual fee
Best no annual fee credit cards in the UAE: August 2026
Eight cards that never charge an annual fee, ordered by the interest Perkly users showed in August, and what each one pays.
By the Perkly research team · Published · Updated · Covers August 2026 · Card details checked 19 September 2026
Based on Perkly data for August 2026: more than 500 card searches, and the card pages, Apply clicks and applications that followed, on perkly.ae between 1 and 31 August 2026. Card fees, rates and offers on this page update live from Perkly’s card database.
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A card with no annual fee starts ahead: every dirham of reward is profit. These are the 8 no-annual-fee cards Perkly users applied for, clicked and read about most in August.
Perkly lists a card here only if it charges no annual fee in any year. Cards that are free for the first year and then charge a fee are not included, because that fee is part of the real cost.
Apply for the top picks
- #1Emirates NBD noon One Visa Credit CardNo annual fee · salary from AED 5,000
- #3CBD One Credit CardNo annual fee · salary from AED 5,000
- #4NBF Islamic Platinum Credit CardNo annual fee · salary from AED 9,000
How this list is made. The order comes from Perkly’s own data and nothing else. No bank pays to appear here, and no placement on this page can be bought. If you apply through Perkly and a bank issues your card, Perkly may earn a referral fee, which never changes the order or the figures you see.
Annual fee
Free
Min. salary
AED 5,000
Rewards in
noon Credits
Top rate
20% dining & food (partner only)
Top rates apply only within the noon ecosystem: 20% on noon Food, 10% on NowNow grocery, 5% on noon, noon Minutes, Namshi and supermall. Most other spend earns 1%, but supermarkets, fast food, telecom, utilities, government, education and real estate paid outside noon earn 0.30%. noon Credits can only be spent on noon.
20% back on noon Food, 10% on NowNow and 5% on noon, Namshi and supermall in noon Credits worth AED 1 each, capped at AED 2,000 a month. Most other spend earns 1%, and supermarkets, fast food and bills paid outside noon 0.3%. noon Credits can only be spent on noon.
Best for: Regular noon customers.
- Earn 20% back on noon Food, 10% on NowNow, 5% on noon, Namshi and supermall, 1% elsewhere (capped at AED 2,000/month)
- Free noon One membership for year one, then 50% off annually
- Buy 1 Get 1 on up to 3 Reel Cinemas tickets a month (min AED 3,500 spend)
Current welcome offer: Earn AED 500 cashback as a welcome bonus
- Apply clicks:
- #1 of all cards
Mawarid Finance Platinum Credit Card
Not available through Perkly at the moment. It earned this place in the month this article covers, so it stays on the list, but you cannot apply for it here at present.
CBD One Credit Card
Cashback
Annual fee
Free
Min. salary
AED 5,000
Rewards in
Cashback
Top rate
100% travel (partner only)
Cashback is 100% of your spend at the selected-merchant list (subscriptions, food delivery, cinemas, ride-hailing, travel and more), capped at a combined AED 135 per month and requiring AED 5,000 minimum monthly spend. All spend outside the selected merchants earns nothing.
100% cashback at selected merchants such as noon, Amazon, Uber, Zomato and Netflix, up to AED 135 a month, but only in months you spend AED 5,000; nothing on other spend. 8 lounge visits a year, after the first each needing an international purchase on the card.
Best for: Heavy card users who want AED 135 a month back on their apps.
- Up to AED 135/month cashback at noon, Amazon, Uber, Zomato, Netflix, Starbucks and more
- No annual fee, but AED 5,000 monthly spend required to unlock the cashback
- 8 airport lounge visits a year (1,000+ lounges) via Visa Airport Companion, plus USD 500,000 travel insurance
Current welcome offer: 0% interest on Cash on Call and Balance Transfer plans for new customers
Expected offer expiry: December 2026
NBF Islamic Platinum Credit Card
Cashback · Islamic
Annual fee
Free
Min. salary
AED 9,000
Rewards in
Cashback
Top rate
10% dining & food
10% cashback on dining paid directly to restaurants, cafes and fast-food outlets, capped at AED 150 a billing cycle; delivery-app orders do not count.
Best for: People who eat out often.
- 10% cashback on dining (capped at AED 150 per billing cycle, min AED 25 per transaction)
- NBF Rewards points redeemable for gift cards, Etihad Guest Miles or instant cashback
- Shariah-compliant Murabaha structure with 2 free supplementary cards included
Emirates Islamic Barça Cashback Card
Cashback · Islamic
Annual fee
Free
Min. salary
AED 5,000
Rewards in
Cashback
Top rate
4% supermarket (partner only)
4% categories (Supermarket/Dining/Fuel/Sports) are each capped at AED 100/month; only UAE merchants qualify for the 4% Supermarket and Fuel rates, which EI tags as UAE. A minimum spend of AED 1,000 a month is required to earn any cashback.
4% on supermarkets, dining, fuel and sports (each capped at AED 100 a month), 2% abroad and 1% on general domestic spend, in months you spend AED 1,000.
Best for: A simple free card with a solid everyday rate.
- 4% cashback on supermarkets, dining, fuel and sports (capped at AED 100/month each)
- Up to 2% cashback on international spend; up to 1% on other domestic spend
- FC Barcelona prize draws: match tickets, signed jerseys and club experiences
Annual fee
Free
Min. salary
AED 12,000
Rewards in
SHARE Points
Top rate
6% retail (partner only)
The 6% SHARE rate applies only at Majid Al Futtaim businesses: tenants in Mall of the Emirates, City Centre, my City Centre, Distrikt and Matajer malls, plus Carrefour, VOX Cinemas, Ski Dubai, Snow Abu Dhabi, Magic Planet and the other Majid Al Futtaim brands on the SHARE list. Other retail, online and international spend earns 1%; grocery and supermarkets, fast-food restaurants, insurance and car dealerships outside SHARE, and EU spends (including UK), earn 0.25%; petroleum, transit, government services, utility payments, real estate, education and telecommunication earn 0.10%. The card itself is open to residents anywhere in the UAE; the limit is a merchant one, and while Carrefour trades nationwide the Majid Al Futtaim malls are concentrated in Dubai and the Northern Emirates.
6% back in SHARE Points at Majid Al Futtaim businesses, including Carrefour, VOX Cinemas and the City Centre malls, and 1% on other retail, online and international spending (a quarter or a tenth of that on groceries outside SHARE, fuel and bills), with buy-one-get-one VOX tickets in months you spend AED 3,500.
Best for: Regular Carrefour and City Centre shoppers.
- Earn 6% back in SHARE Points at 5,000+ MAF stores, 1% on retail, online and international spend
- Unlimited airport lounge access at 1,200+ lounges via Visa Airport Companion (requires USD 1 foreign spend)
- 4 airport drops a year, 6 courier deliveries a year, car servicing and registration once a year each
Current welcome offer: Earn 5,000 SHARE Points (worth AED 500) as a welcome bonus
ADCB talabat Credit Card
Cashback
Annual fee
Free
Min. salary
AED 5,000
Rewards in
Talabat Credit
Top rate
35% dining & food (partner only)
35% back applies only to talabat orders (first 10/month, cap AED 35/order, AED 350/month, AED 2,500 min monthly spend); other dining earns 1.25%.
35% back as talabat credit on your first 10 talabat orders a month, capped at AED 35 an order and AED 350 a month, in months you spend at least AED 2,500 on the card; other dining earns 1.25%. Includes talabat Pro.
Best for: People who order from talabat several times a week.
- 35% back as talabat credit on talabat orders (first 10 orders/month, capped AED 35/order and AED 350/month); 1.25% on other domestic and international spend
- Free talabat Pro subscription: unlimited free delivery, plus 10% off up to 10 Bolt rides a month in Dubai
- 4 complimentary airport lounge visits a year at 25+ lounges via Mastercard Travel Pass
Current welcome offer: Earn up to AED 750 in talabat credit
Wio Credit Card
Cashback · Wio plan holders
Annual fee
Free
Min. salary
AED 7,000
Rewards in
Cashback
Top rate
2% travel
2% cashback on most purchases and 0.5% on fuel, transport, telecom, government, utility and real estate payments, capped at AED 2,500 a month. Cashback needs Wio's Salary, Family or Plus plan: the free Standard plan earns none, and Plus costs AED 49 a month unless you keep AED 35,000 with Wio.
Best for: People who bank with Wio on a Salary or Plus plan.
- Earn 2% cashback on most purchases, 0.5% on fuel, transport, utilities and government spend
- Cashback capped at AED 2,500 per month; requires Salary, Family or Plus plan
- Free ENTERTAINER access: 600+ buy-one-get-one offers at 200+ venues in Dubai and Abu Dhabi
- Page visits:
- Joint #4
Side by side
Live figures from Perkly’s card database. Earn rates are the value you get back per AED spent, after converting miles or points to dirhams.
| Card | Annual fee | Min. salary | Top rate | Welcome offer |
|---|---|---|---|---|
| #1Emirates NBD noon One Visa Credit Card | Free | AED 5,000 | 20%* | Yes |
| #3CBD One Credit Card | Free | AED 5,000 | 100%* | Yes |
| #4NBF Islamic Platinum Credit Card | Free | AED 9,000 | 10% | None right now |
| #5Emirates Islamic Barça Cashback Card | Free | AED 5,000 | 4%* | None right now |
| #6Emirates NBD SHARE Visa Signature | Free | AED 12,000 | 6%* | Yes |
| #7ADCB talabat Credit Card | Free | AED 5,000 | 35%* | Yes |
| #8Wio Credit Card | Free | AED 7,000 | 2% | None right now |
* Applies only at the card’s partner merchants or airline; other spend earns less. A number missing from the list is a card that cannot be applied for through Perkly at the moment.
What free really means
A card with no annual fee can still cost you if you carry a balance, and several free cards only pay in months you meet a minimum spend. Compare the conditions, not just the fee. The Perkly wizard lets you rank only no-fee cards against your own spending.
How we built this list
This list is built from what people did on Perkly between 1 and 31 August 2026, not from what banks advertise and not from payments: no bank can pay to appear here or to move up. We count four things per card, and each visit counts once, at the furthest point it reached: an application submitted through Perkly, an application started, a click on Apply now, and a visit to the card's page. Each is weighted by how far it went: an application counts 10, a started application 5, a click on Apply now 3 and a page visit 1, and the list is ordered by the total. So a card many people explored closely can sit above one with a single application, and the signal shown beside each card is its strongest one, not the whole picture.
The data covers more than 500 card searches in August. Our own testing is excluded, and visitors who opted out of analytics are not counted. At this scale a single application can move a card several places, so read the order as "what people gravitated to", not as a precise league table. We publish ranks rather than raw counts for the same reason.
Card details in the text were checked on 19 September 2026 against Perkly's card data, which was reviewed against each bank's own documents between 15 and 19 September 2026. The fees, earn rates and welcome offers shown in each card panel are live from Perkly's card database, so they stay current after this article was written. Always confirm the final terms with the bank before you apply.
Frequently asked questions
What is the best free credit card in the UAE?
In August 2026 the most popular free cards on Perkly were noon One (best for noon shoppers) and the Mawarid Finance Platinum (10% on groceries, dining and fuel, capped). Which is better depends on where you spend. Mawarid's cards are not available through Perkly at the moment.
Are there credit cards in the UAE with no annual fee for life?
Yes. Every card on this list charges no annual fee in any year, including noon One, Mawarid Platinum, CBD One, NBF Islamic Platinum, Emirates Islamic Barça, Emirates NBD SHARE Visa Signature, ADCB talabat and Wio.
How often is this list updated?
Every month. Each edition of the Perkly Card Index covers one calendar month of activity on Perkly and is published early the following month. Card details on every page update automatically from Perkly's card database.
Is one of these your best card?
Popular is not the same as right for you. Tell Perkly your salary and how you spend and it ranks every card in the UAE for you, or talk your options through with Perkly Chat.
The August 2026 series
16 articles, each on August 2026 data.
- 1Best cashback credit cards in the UAE: August 202619 September 202619 September 2026
- 2Best travel credit cards in the UAE: August 202619 September 202619 September 2026
- 3Best Emirates Skywards credit cards in the UAE: August 202619 September 202619 September 2026
- 4Best Etihad Guest credit cards in the UAE: August 202619 September 202619 September 2026
- 5The 10 most popular credit cards in the UAE: August 202619 September 202619 September 2026
- 6Best rewards credit cards in the UAE: August 202619 September 202619 September 2026
- 7Best no annual fee credit cards in the UAE: August 2026You are reading thisYou are reading this
- 8Best Islamic credit cards in the UAE: August 202620 September 202620 September 2026
- 9How the UAE chose credit cards in August 202621 September 202621 September 2026
- 10The best credit cards for an AED 5,000 salary in the UAE, August 202622 September 202622 September 2026
- 11The best credit cards for an AED 10,000 salary in the UAE, August 202623 September 202623 September 2026
- 12The best credit cards for an AED 15,000 salary in the UAE, August 202624 September 202624 September 2026
- 13The best credit cards for an AED 20,000 salary in the UAE, August 202625 September 202625 September 2026
- 14The best credit cards for an AED 25,000 salary in the UAE, August 202626 September 202626 September 2026
- 15The best credit cards for an AED 30,000 salary in the UAE, August 202627 September 202627 September 2026
- 16The best credit cards for an AED 50,000+ salary in the UAE, August 202628 September 202628 September 2026
More from August 2026
Best cashback credit cards in the UAE: August 2026
The 8 cashback cards Perkly users applied for, clicked and read about most in August, and the conditions that decide what each one really pays.
Read the list →
Best travel credit cards in the UAE: August 2026
Airline cards, travel cashback and flexible points: the 8 travel cards Perkly users were most interested in during August.
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Best Emirates Skywards credit cards in the UAE: August 2026
Seven Skywards co-brand cards from three banks, ordered by the interest Perkly users showed in August, with what each one earns and costs.
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Best Etihad Guest credit cards in the UAE: August 2026
Five Etihad Guest cards from three banks, ordered by the interest Perkly users showed in August, with what each earns and costs.
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- August 2026
- No annual fee
- Free for life
- Cashback