All 42 rewards credit cards in the UAE

• Earn 2 AIF Rewards per AED 1 on international spend, 1 on other retail spend
• Airport lounge access at selected participating lounges via Mastercard Travel Benefits

Updated November 2026

• Earn 5 AIF Rewards per AED 1 on dining and online shopping, 3 on non-AED spend, 1 on other retail spend
• Airport lounge access for cardholder and one guest

Updated November 2026

• Earn up to 1.5 TouchPoints per AED 1, with lower rates on supermarkets, fuel, and utilities
• Unlimited complimentary airport lounge access (1,200+ lounges) for cardholder plus 1 guest via Visa Airport Companion

Updated November 2026

• Earn up to 1 TouchPoint per AED 1; 0.4 TP/AED at supermarkets, QSR and in UK/EEA; lower rates on fuel, education and government spend
• Visa: 3 complimentary lounge visits a year (1,200+ lounges); Mastercard: 4 complimentary visits a year (25+ lounges)

Updated November 2026

• Earn up to 0.5 TouchPoints per AED 1; 0.4 on supermarkets and fast food; 0.2 on fuel, education, government, telecom and transport
• 5,000 bonus TouchPoints when you spend AED 5,000 in a month

Updated November 2026

• Earn up to 3 TouchPoints per AED 1 on general, dining, travel and online spend
• 14 complimentary airport lounge visits a year (1,200+ lounges via Mastercard Travel Pass), plus 1 guest each visit, and 4 complimentary Careem airport rides a year (up to AED 85 each)

Updated November 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 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 (250 points = USD 1)
• Points never expire while your account is active, redeemable with airlines, hotels, brands and Pay with Points

Updated November 2026

• Earn 1 Membership Rewards Point per AED 4 spent (reduced rates on real estate, education, telecom and government payments)
• Transfer points to 13 airline partners including Emirates Skywards and British Airways Avios, or redeem for hotel nights and merchandise

Updated November 2026

• Earn 1 Membership Rewards Point per AED 2 on eligible purchases, transferable to 13 airlines including Emirates Skywards and British Airways Avios
• 12 Priority Pass lounge visits a year for the primary cardmember, 8 for 1 supplementary cardmember (guests share the allowance)

Updated November 2026

• Earn 3 ThankYou Points per USD on dining, fuel and groceries; 2 on non-AED spend
• 14 complimentary lounge visits a year across 1,200+ lounges via Mastercard Travel Pass

Updated October 2026

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

Updated October 2026

• Earn 1.5 Citi ThankYou Points per USD on groceries and non-AED spend (ex-EEA); 1 on general AED spend
• 8 complimentary lounge visits a year (1,200+ lounges via Mastercard Travel Pass); guests charged USD 32

Updated October 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
• Airport lounge access via Mastercard Travel Pass (1,200+ lounges), activated by a cross-border spend of USD 1 or more

Updated November 2026

• Earn 1 CBI Rewards Point per AED 1 on foreign-currency spend, 0.5 on UAE spend (free for life); optional AED 525 annual accelerator upgrades to 2 points foreign, 1.5 on UAE transactions of AED 2,000+, and 1 on other UAE spend
• Complimentary access to 5 regional airport lounges in Amman, Cairo, Jeddah, Kuwait and Abu Dhabi

Updated November 2026

• Earn 2.5 CBI Rewards Points per AED 1 on foreign-currency 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 November 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 and Visa Airport Companion

Updated October 2026

• Earn 3 CBD Rewards Points per AED on international spend, 2.5 on general domestic spend
• 12 complimentary airport lounge visits a year (1,000+ lounges) via Visa Airport Companion

Updated November 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 October 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 October 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 October 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 November 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 October 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 October 2026

• Earn 1.5 Plus Points per AED 100 on general retail (1 Point = AED 1)
• Up to 4 lounge visits or airport dining offers a year via Mastercard Travel Pass (900+ lounges)

Updated November 2026

• Earn 1 Plus Point per AED 100 on general retail (1 Point = AED 1.00), capped at 1,000 points per statement
• Complimentary airport lounge access on flight delays via Flight Delay Pass

Updated November 2026

• Earn 1.5 Plus Points per AED 100 on general retail (1 Point = AED 1.00)
• Up to 30% off at 2,000+ restaurants via Bon Appetit, up to 50% off health and fitness via LiveWell

Updated November 2026

• Earn 15% back in FAB Rewards on du spend (data, devices, pre/postpaid plans)
• 1 FAB Reward per AED 1 on most spend; 0.5 per AED 1 on supermarkets, fuel, education, transport and more

Updated October 2026

• Earn 15% back at ADNOC stations, 2% on international spend, 1% on UAE retail
• Fast-track to ADNOC Rewards Gold: 50% off coffee/bakery, 35% off carwash vouchers

Updated November 2026

• Earn up to 20 FAB Rewards per AED at luxury brands (Hermes, Cartier, Louis Vuitton and more), 10 at eco-friendly merchants, 5 on general and international spend
• 14 complimentary airport lounge visits a year (1,300+ lounges via Mastercard Travel Pass) plus 3 complimentary airport fast track passes a year

Updated October 2026

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

Updated October 2026

• Earn 5 FAB Rewards per AED on online spend; 1 per AED on general spend (0.5 on supermarkets, fuel, utilities, transport and selected categories)
• 20,000 bonus FAB Rewards in any month you hit AED 10,000 cumulative retail spend (capped at 240,000 a year)

Updated October 2026

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

Updated October 2026

• Earn 1 HSBC Rewards Point per AED 1 on all eligible spend
• 4 complimentary airport lounge visits a year via Mastercard Travel Pass (selected lounges)

Updated October 2026

• Earn 1 HSBC Rewards Point per AED 1 on all eligible spend
• 8 complimentary airport lounge visits a year (1,200+ lounges) via Mastercard Travel Pass

Updated November 2026

• Earn 6 Mashreq Vantage Points per AED on all local and international spend, no caps
• Unlimited complimentary airport lounge visits at 1,000+ lounges; unlimited complimentary Fitness First visits

Updated November 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 October 2026

• Earn 10 Mashreq Vantage Points per AED 1 on supermarkets, fuel and dining; 2 on international and other UAE spend
• 4 complimentary airport lounge visits a year via LoungeKey (1,000+ lounges), up to 2 per billing cycle, when you spend AED 7,000 the previous cycle

Updated October 2026

• Earn 6 Mashreq Vantage Points per AED 1 on international spend, 4 on travel/airlines/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 (up to 1 a month)

Updated November 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 November 2026