Rewards credit cards in the UAE

• Earn 2% AIF Rewards on international spend, up to 1% on all other retail
• Free for life, no annual fee

Updated July 2026

• Earn 5% AIF Rewards on dining and online shopping, 3% on non-AED, 1% on all other retail
• Mastercard lounge access plus 4 airport transfers and 4 Marhaba Meet & Greet passes a year

Updated July 2026

• Earn up to 1.5 TouchPoints per AED 1 on most spend; 15,000 bonus TP for AED 15,000/month
• Unlimited lounge access (1,200+ lounges) for you plus one guest

Updated July 2026

• Earn 1 TouchPoint per AED 1 on most spend; 10,000 bonus TP for AED 10,000/month
• Up to 4 complimentary airport lounge visits per year

Updated June 2026

• Earn up to 0.5 TouchPoints per AED 1 on most spend, 0.4 on supermarkets and dining
• 2-for-1 VOX cinema tickets (up to 2 times/month) on 2D Standard and Max

Updated June 2026

• Earn up to 3 TouchPoints per AED 1 on general, dining, travel and online spend
• Up to 750,000 bonus TouchPoints on anniversary with qualifying annual spend

Updated June 2026

• Earn 1 Exceed Reward per AED 100 on international spend, 0.5 on UAE spend
• 1 Exceed Reward = AED 2, redeemable instantly for flights, vouchers and bills

Updated July 2026

• Earn 1.5 Exceed Rewards per AED 100 on international spend, 0.5 on UAE spend (1 Reward = AED 2)
• 2 complimentary airport lounge visits a year via LoungeKey (850+ lounges)

Updated July 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, flights and Etisalat bills

Updated June 2026

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

Updated July 2026

• Earn 1 Membership Rewards Point per AED 4 on all eligible spend, points never expire
• Transfer points to 14 airline partners including Emirates Skywards, Etihad and BA Avios

Updated July 2026

• Earn 2 Membership Rewards Points per AED 4 (0.5 pts/AED) on all spend, points never expire
• Transfer points to 14 airline partners (incl. Emirates Skywards, BA Avios, Etihad) and 3 hotel partners

Updated July 2026

• Earn 3 ThankYou Points per USD on dining, fuel and groceries; 2 on non-AED spend; 1 on local AED spend
• Transfer points to 11 airline and hotel partners at 1:1, or redeem via Fly with Points (30 pts = AED 1)

Updated July 2026

• Earn 3 ThankYou Points per USD on non-AED spend, 2 on local AED (including groceries and fuel)
• Complimentary 4th-night hotel stay worldwide (unlimited) and 10,000 bonus points on annual fee payment

Updated July 2026

• Earn 1.5 ThankYou Points per USD on groceries and foreign spend, 1 on local AED spend
• Access to 1,200 airport lounges worldwide, 8 complimentary visits per year

Updated July 2026

• Earn 2.5 pts per AED 1 on foreign spend, 1.75 on UAE transactions over AED 2,000, 1 on local
• Unlimited access to 1,200+ airport lounges worldwide via Mastercard Travel Pass

Updated July 2026

• Earn 1 CBI Rewards Point per AED 1 on UAE spend, 2 per AED 1 foreign (with AED 525 accelerator membership)
• Base card earns 0.5 pts/AED locally, 1 pt/AED foreign, free for life

Updated July 2026

• Earn 2.5 CBI Rewards Points per AED 1 on foreign spend, 1.75 on UAE transactions over AED 2,000, 1 on local
• 1,200+ airport lounges worldwide (Mastercard Travel Pass) plus complimentary valet parking

Updated July 2026

• Earn 10 Smiles Points per AED on Etisalat/Smiles app, 3 on international spend, 2 on local
• 8 complimentary airport lounge visits a year (Lounge Key) plus 2-for-1 ENTERTAINER offers

Updated June 2026

• Earn up to 3 CBD Rewards Points per AED on international spend, 2.5 on local
• 12 complimentary lounge visits a year plus 3 valet parking visits per month

Updated June 2026

• Earn 0.8 Wala'a Rewards per AED 1 on international spend, 0.5 on general retail
• Free for life Shariah-compliant card with no annual fee

Updated June 2026

• Earn 1 Wala'a Reward per AED 1 on international spend, 0.6 on all other retail
• Free for life with no annual fee, Shariah-compliant Salam covered card

Updated June 2026

• Earn 2 Wala'a Rewards per AED 1 on retail, 2.2 on international spend (free for life)
• Redeem for flights, hotels, gift cards or transfer to Etihad Guest Miles / Qatar Avios

Updated June 2026

• Earn 3.75 SmartMiles per AED 1 internationally, 2.5 domestically, 1 at supermarkets
• SmartMiles transfer to Skywards, Etihad, Marriott, Avios, Air Arabia and more

Updated July 2026

• Earn up to 2.25 SmartMiles per AED 1 abroad, 1.25 on local spend
• Redeem SmartMiles instantly against any purchase (100 = AED 1)

Updated June 2026

• Earn up to 3.75 SmartMiles per AED 1 on international spend, 2.5 on local
• Unlimited lounge access (1,200+ lounges) for cardholder plus one guest

Updated July 2026

• Earn 1.5 Plus Points per AED 100 on retail (worth AED 0.75 each)
• Complimentary airport lounge access via Mastercard Travel Pass

Updated July 2026

• Earn 1 Plus Point per AED 100 on retail (worth AED 0.75 per point)
• Lounge access on flight delays via Flight Delay Pass

Updated July 2026

• Earn 1.5 Plus Points per AED 100 on general retail (worth AED 0.75 each)
• Up to 30% off at 2,000+ UAE restaurants and up to 50% off health and fitness

Updated July 2026

• Earn 15% back in FAB Rewards on du spends (telecom, data, devices)
• 1% FAB Rewards on all other purchases (capped at 50,000 per month)

Updated June 2026

• Earn 15% back in ADNOC Rewards on fuel, 2% abroad, 1% on UAE spend
• Fast-track to ADNOC Rewards Gold Membership

Updated July 2026

• Earn up to 20 FAB Rewards per AED on luxury brands, 10 on eco merchants, 5 on all other spend
• Free ADV+ membership: access to 60+ beach, gym and sports clubs plus up to 40% off restaurants

Updated July 2026

• Earn 5 FAB Rewards per AED on sports, apparel and sporting clubs; 2 on all other spend
• Free fitness and payment ring plus access to 25+ gyms and fitness classes across the UAE

Updated July 2026

• Earn 5 FAB Rewards per AED on online spend, 1 on all other and international spend
• Up to 20,000 bonus FAB Rewards each month

Updated June 2026

• Earn FAB Rewards on all spend with zero foreign-exchange fees worldwide
• Free Careem Plus and Noon One memberships (1 year each)

Updated July 2026

• Earn 1 HSBC Rewards Point per AED 1 on all eligible spend
• 4 complimentary lounge visits/year (cardholder + guest) via Mastercard Travel Pass

Updated July 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) plus 1 guest, via Mastercard Travel Pass

Updated July 2026

• Earn 6 Vantage Points per AED on all local and international spend, no caps
• Up to 12 airport lounge visits (1,000+ lounges) plus 6 airport transfers a year

Updated July 2026

• Earn 5 Vantage Points per AED on international spend, 3 on dining and supermarkets, 1 on other local
• Up to 8 lounge visits/yr (1,000+ lounges) plus 3 complimentary airport transfers a year

Updated June 2026

• Earn 10 Vantage Points/AED on supermarkets, fuel and dining; 2 on all other spend
• 4 complimentary airport lounge visits/year (min AED 7,000 monthly spend)

Updated July 2026

• Earn 6 Vantage Points per AED on international spend, 4 on travel, 2 on dining, supermarket and online
• 12 complimentary lounge visits a year (1,000+ lounges) with one guest each visit

Updated July 2026

• Earn 3.5 pts/AED on international spend, 2.5 on UAE spend (1 on fuel, groceries and utilities)
• BOGO cinema tickets at VOX and Reel Cinemas, up to 4 free tickets a month

Updated July 2026