Rewards credit cards in the UAE

• Earn 2 AIF Rewards per AED 1 on international spend, 1 on retail spend
• Complimentary airport lounge access at participating lounges via Mastercard

Updated September 2026

• Earn 5 AIF Rewards per AED 1 on dining and online shopping, 3 on non-AED spend, 1 on other retail (excluding petrol, supermarkets, utilities and many common categories)
• Complimentary airport lounge access for cardholder and one guest

Updated September 2026

• Earn up to 1.5 TouchPoints per AED 1 on most spend; 0.4 on supermarkets, dining and UK/EEA
• Unlimited lounge access at 1,200+ lounges (Visa Airport Companion), self plus 1 guest

Updated September 2026

• Earn up to 1 TouchPoint per AED 1 (note: lower rates apply on fuel, groceries, and several other categories)
• Visa: 3 lounge visits/year at 1,200+ lounges; Mastercard: 4 visits/year at 25+ lounges

Updated September 2026

• Earn up to 0.5 TouchPoints per AED 1, or 0.4 TP on supermarkets and fast food
• 5,000 bonus TouchPoints when you spend AED 5,000 in a month (100,000 TP = AED 500)

Updated September 2026

• Earn up to 3 TouchPoints per AED 1 on general, dining, travel and online spend
• 14 airport lounge visits a year (1,200+ lounges) via Mastercard Travel Pass, plus 4 complimentary Careem airport rides a year

Updated September 2026

• Earn 1 Exceed Reward per AED 100 on international spend, 0.5 on UAE spend (1 Reward = AED 2)
• Low earn rate (0.125 per AED 100) on supermarkets, utilities, fuel, transport and government spend

Updated September 2026

• Earn 1.5 Exceed Rewards per AED 100 on international spend, 0.5 on UAE spend (1 Reward = AED 2)
• Low earn rate (0.125) on supermarkets, utilities, fuel, transport, government and education spend

Updated September 2026

• Earn 12 Smiles Points per AED 5 on Smiles App, 6 on international, 4 on local spend
• Redeem points for food, groceries, vouchers, devices, Etisalat bills, flights and hotels

Updated September 2026

• Earn 30 Smiles Points per AED 5 on Smiles App, 15 on international spend, 10 on local spend
• Unlimited global airport lounge access via Visa Airport Companion

Updated September 2026

• Earn 1 Membership Rewards Point per USD 1 on eligible purchases
• Points never expire and redeem with airlines, hotels, brands and Pay with Points

Updated September 2026

• Earn 1 Membership Rewards Point per AED 4 spent, points never expire and no cap on earnings
• Transfer points to 14 airline partners (including Emirates Skywards, Etihad Guest, British Airways) and 3 hotel partners

Updated September 2026

• Earn 1 Membership Rewards Point per AED 2 spent, transferable to 14 airline and 3 hotel partners
• 12 Priority Pass lounge visits a year (basic card) plus 8 visits a year for 1 supplementary cardmember, guests included in allowance

Updated September 2026

• Earn 3 Citi ThankYou Points per USD on dining, fuel and groceries; 2 on non-AED spend; 1 on general AED spend
• 14 complimentary lounge visits a year across 1,200+ lounges via Mastercard Travel Pass (shared with supplementary cardholders and guests)

Updated September 2026

• Earn 3 ThankYou Points per USD on non-AED spend, 2 per USD on local AED spend including groceries and fuel
• 14 complimentary lounge visits a year across 1,200+ lounges (Mastercard Travel Pass), shared with supplementary cardholders and guests

Updated September 2026

• Earn 1.5 Citi ThankYou Points per USD on groceries and non-AED spend, 1 on general AED spend
• 8 complimentary lounge visits a year (1,200+ lounges via Mastercard Travel Pass), unlocked by international spend

Updated September 2026

• Earn 2.5 CBI Rewards Points per AED 1 on foreign spend, 1.75 on UAE transactions over AED 2,000, 1 on UAE spend
• Complimentary airport lounge access for primary and supplementary cardholders via Mastercard Travel Pass (1,200+ lounges)

Updated September 2026

• Earn 1 point per AED 1 on foreign spend, 0.5 on UAE spend (free); or pay AED 525/year to earn 2 per AED 1 foreign, 1.5 on UAE transactions of AED 2,000+, 1 on other UAE spend
• Complimentary access to 5 regional airport lounges (Amman, Cairo, Jeddah, Kuwait, Abu Dhabi)

Updated September 2026

• Earn 2.5 CBI Rewards Points per AED 1 on foreign spend, 1.75 on UAE transactions of AED 2,000+, 1 on UAE spend
• Airport lounge access via Mastercard Travel Pass (1,200+ lounges), activated by a cross-border spend of USD 1+

Updated September 2026

• Earn 10 Smiles Points per AED on Etisalat, Smiles app and elGrocer; 3 on international spend; 2 on general local spend
• 8 complimentary airport lounge visits a year via Lounge Key (primary and supplementary cardholders counted separately)

Updated September 2026

• Earn 3 CBD Rewards Points per AED on international spend, 2.5 on domestic (excluding groceries, fuel, utilities and similar categories)
• 12 complimentary airport lounge visits a year via Visa Airport Companion (1,000+ lounges worldwide)

Updated September 2026

• Earn 0.8 Wala'a Rewards per AED 1 on foreign spend, 0.5 on general retail
• Complimentary travel and medical cover up to USD 50,000 (cardholder, spouse and up to 4 children under 18)

Updated September 2026

• Earn 1 Wala'a Reward per AED 1 on foreign currency spend, 0.6 on general retail
• Complimentary travel and medical cover up to USD 75,000 (cardholder, spouse and up to 4 children)

Updated September 2026

• Earn 2 Wala'a Rewards per AED 1 on retail spend, 2.2 on foreign currency spend
• Complimentary travel and medical cover up to USD 100,000 for cardholder, spouse and up to 4 children

Updated September 2026

• Earn 3.75 EI SmartMiles per AED 1 abroad, 2.5 on domestic spend (excludes supermarkets, fuel, utilities and similar)
• 1 complimentary airport lounge visit a year (1,200+ lounges via Visa Airport Companion); guests charged USD 32

Updated September 2026

• Earn up to 2.25 EI SmartMiles per AED 1 on international spend, 1.25 on domestic
• Redeem SmartMiles instantly as statement credit (100 = AED 1) or transfer to Etihad, Skywards, Qatar Avios and more

Updated September 2026

• Earn up to 3.75 EI SmartMiles per AED 1 on international spend, 2.5 on domestic
• 2 complimentary lounge visits yearly (1,200+ lounges) plus 1 guest included

Updated September 2026

• Earn 1.5 Plus Points per AED 100 on general retail (1 Point = AED 1)
• Complimentary airport lounge access via Mastercard Travel Pass (900+ lounges)

Updated September 2026

• Earn 1 Plus Point per AED 100 on general retail (1 Point = AED 1.00), capped at 1,000 points per statement
• Lower earn rates on groceries, fuel, utilities and similar categories

Updated September 2026

• Earn 1.5 Plus Points per AED 100 on general retail (1 Point = AED 1)
• Up to 30% off at 2,000+ restaurants via Bon Appetit

Updated September 2026

• Earn 15% back in FAB Rewards on du spend (data, devices, pre/postpaid plans)
• 1 FAB Reward per AED 1 on general spend; 0.5 per AED 1 on groceries, fuel, rent and similar categories

Updated September 2026

• 15% back at ADNOC stations (fuel), 2% on international spend, 1% on groceries and other UAE retail (min. AED 3,000/month for top rates)
• Fast-track to ADNOC Rewards Gold: 50% off coffee, 35% off carwash, 12% off lube bundle vouchers

Updated September 2026

• Earn 20 FAB Rewards per AED at luxury brands, 10 at eco-friendly merchants, 5 on general and international spend
• 14 airport lounge visits a year (1,300+ lounges via Mastercard Travel Pass) and 6 free Careem airport transfers a year

Updated September 2026

• Earn 5 FAB Rewards per AED on sports, gear and apparel; 2 on other UAE and international spend
• Complimentary fitness ring for life plus free access to 25+ UAE gyms for 12 months (min. AED 3,000/month spend)

Updated September 2026

• Earn 5 FAB Rewards per AED online, 1 on general spend (many common categories earn 0.5)
• 20,000 bonus FAB Rewards when you spend AED 10,000 in a month, up to 240,000 a year

Updated September 2026

• Earn 1 FAB Reward per AED on retail spend (0.5 on supermarkets, fuel, transport, utilities, education and rent)
• No FAB foreign transaction fee on international and online spend

Updated September 2026

• Earn 1 HSBC Rewards Point per AED 1 on all eligible spend, redeemable for flights, Amazon, vouchers and partner transfers
• 4 complimentary lounge visits a year via Mastercard Travel Pass (qualifying cross-border transaction required)

Updated September 2026

• Earn 1 HSBC Rewards Point per AED 1 on all eligible spend, redeemable for flights, Amazon, vouchers and partner transfers
• 8 complimentary lounge visits a year (1,200+ lounges) via Mastercard Travel Pass, guests at USD 32 each

Updated September 2026

• Earn 6 Mashreq Vantage Points per AED on all local and international spend, no caps
• 12 airport lounge visits a year (1,000+ lounges), 6 airport transfers a year, 2 valet visits a billing cycle

Updated September 2026

• Earn 5 Vantage Points per AED on international spend, 3 on dining and supermarkets, 1 on other local spend
• 8 airport lounge visits a year (1,000+ lounges) and 3 airport transfers a year, subject to AED 7,000 monthly spend

Updated September 2026

• Earn 10 Vantage Points per AED on supermarkets, fuel and dining; 2 on international and other local spend
• 4 airport lounge visits a year via LoungeKey (1,000+ lounges), 2 per billing cycle, subject to AED 7,000 monthly spend

Updated September 2026

• Earn 6 Mashreq Vantage Points per AED 1 on international spend, 4 on travel, airlines and hotels, 2 on UAE dining, retail and online
• 12 complimentary airport lounge visits a year (1,000+ lounges) via Visa Airport Companion, plus 6 airport transfers a year

Updated September 2026

• Earn 3.5 NBF Rewards Points per AED on international spend, 2.5 on UAE spend
• 1 pt per AED on supermarkets, fuel, telecom, transport, rentals and similar categories

Updated September 2026