Travel credit cards in the UAE

• 10% cashback on flights (any airline) and hotels worldwide, 1.5% on local AED spend (excl. overseas non-AED); AED 1,500 monthly cap, AED 5,000 monthly minimum spend applies
• 14 complimentary lounge visits a year at 1,200+ lounges (primary, supplementary and 1 guest each) via Mastercard Travel Pass

Updated September 2026

• Earn 2.5 Exceed Rewards per AED 100 on airlines, 1.0 on international spend, 0.5 on UAE spend
• Free Booking.com Genius status: extra 10% discount on select hotels

Updated September 2026

• Earn 3 Skywards Miles per AED 3.68 on Emirates, flydubai and Emirates Holidays, 2 on foreign spend, 1.5 on local
• Complimentary Skywards Silver, fast-track to Gold on USD 5,000 Emirates spend, valid 12 months

Updated September 2026

• Earn 2.5 Skywards Miles per AED 3.68 on Emirates, flydubai and Emirates Holidays, 1.5 on foreign spend
• Complimentary Skywards Silver membership (Year 1, renewable with USD 2,500 Emirates spend)

Updated September 2026

• Earn 1.5 Etihad Guest Miles per AED 4 on international spend, 1 Mile on local spend
• 2 complimentary airport lounge visits a year via Visa Airport Companion

Updated September 2026

• Earn up to 3.5 Etihad Guest Miles per AED 4 on Etihad and foreign spend, 2.5 on local spend
• Complimentary Etihad Guest Silver Tier, fast-track to Gold on AED 4,500 Etihad spend in 12 months

Updated September 2026

• Earn up to 3 Etihad Guest Miles per AED 4: 3 on international, 2.2 on local spend
• Fast-track to Etihad Guest Gold after 2 Etihad return flights within 12 months of card issuance

Updated September 2026

• Earn 8 Bonvoy Points per USD at Marriott, 4 on international spend, 3 on local
• Automatic Gold Elite status, 15 Elite Night Credits, pathway to Platinum at USD 25,000 spend

Updated September 2026

• Earn up to 3 Marriott Bonvoy Points per USD at Marriott, 2 on international spend, 1.5 on local spend
• Automatic Silver Elite status, 10 Elite Night Credits yearly, Gold Elite pathway at USD 15,000 spend

Updated September 2026

• Earn 1.5 BRight Rewards per AED 10 on local spend (international spend earns no rewards)
• 10,000 welcome BRight Rewards (Fly for Free) on card issuance

Updated September 2026

• Earn 1 BRight Reward per AED 10 on retail spend (1 Reward = AED 0.10)
• Redeem BRight Rewards for flights (300+ airlines), hotels (300,000+), vouchers or electronics

Updated September 2026

• Earn 2.5 BRight Rewards per AED 10 on local spend (worth 2.5% back); international spend earns nothing
• 15,000 bonus BRight Rewards on joining (redeemable for flights, hotels or gift vouchers)

Updated September 2026

• Earn 1% cashback on all local and international spend, no cap
• 8 airport lounge visits a year via Mastercard Travel Pass (activated by any USD 1 international spend)

Updated September 2026

• Earn 1% cashback on all local and international spend, no cap
• 14 airport lounge visits a year via Mastercard Travel Pass (spend USD 1 abroad to activate), plus 3 fast-track services

Updated September 2026

• Earn 1 Membership Rewards point per USD 1 on eligible purchases (reduced rate on real estate, education, telecom and government spend)
• 8 complimentary Priority Pass lounge visits a year, shared with 1 Supplementary Cardmember

Updated September 2026

• 10% off at Dubai Duty Free when paying with the physical card (exclusions apply)
• Monthly prize draw entries: 1 entry per AED 1,000 spent for Millennium Millionaire, 1 per AED 500 for Finest Surprise

Updated September 2026

• Earn 1 Membership Rewards point per AED 4 spent, no cap, points never expire
• Unlimited lounge access at 1,700+ lounges via Priority Pass (1 guest included) plus Centurion and Amex Lounges

Updated September 2026

• Earn 2.5 Citi Miles per USD on general AED spend (groceries and fuel included); 5 per USD on non-AED spend
• 30,000 bonus Citi Miles each year from year 2, plus transfer to 11 airline and hotel partners

Updated September 2026

• Earn 3 Joy Points per AED on airlines, hotels, dining and international spend (min. AED 5,000/month; 75,000 points monthly cap)
• 4 complimentary airport lounge visits a year via Mastercard Travel Pass (25+ lounges in the Middle East and Levant)

Updated September 2026

• Earn 2 Joy Points per AED on airlines, hotels, dining and international spend (min. AED 3,000/month)
• 0.13 Joy Points per AED on all other spend; monthly cap 50,000 Joy Points (AED 500 value)

Updated September 2026

• Earn 5 Joy Points per AED on airlines, hotels, dining and international spend (min AED 7,500/month spend; capped at 100,000 points a month)
• 8 complimentary airport lounge visits a year (1,000+ lounges) via Mastercard Travel Pass

Updated September 2026

• Earn 3.5 Wala'a Rewards per AED 1 on foreign spend, 3 on general retail
• 1 complimentary lounge visit a year, then spend-unlocked access at 1,200+ lounges (12 visits a year) via Visa Airport Companion

Updated September 2026

• Earn 2.5 Wala'a Rewards per AED 1 on retail, 3 per AED 1 on foreign currency spend
• Airport lounge access at 1,200+ lounges: 1 free visit a year, up to 8 visits per calendar year via Visa Airport Companion

Updated September 2026

• Earn 10 Wala'a Rewards per AED 1 on dining and travel, 4 on international spend, 3.5 on general domestic spend
• 1 complimentary lounge visit a year, then visits unlocked by foreign spend; 12 visits a year at 1,200+ lounges via Visa Airport Companion

Updated September 2026

• Earn 10 Wala'a Rewards per AED 1 on dining and travel, 2 on international spend
• Travel and medical cover up to USD 100,000 for cardholder, spouse and up to 4 children

Updated September 2026

• Earn 10 Wala'a Rewards per AED 1 on dining and travel, 3 on international spend, 2.5 on general domestic spend
• 1 complimentary airport lounge visit a year, then visits require a qualifying foreign purchase (1,200+ lounges, 8 visits a year via Visa Airport Companion)

Updated September 2026

• Earn 3 Etihad Guest Miles per USD on Etihad Airways, 2 on international spend, 1.5 on domestic
• Fast-track to Etihad Guest Silver tier; 1,200+ airport lounges (1 free visit/year) plus 2 Abu Dhabi airport transfers

Updated September 2026

• Earn 2 Etihad Guest Miles per USD on Etihad Airways and online/mobile wallet, 1.5 on international spend
• 10% miles redemption discount voucher on reaching AED 50,000 annual spend (up to 2 passengers, 6-month validity)

Updated September 2026

• Earn 3.5 Etihad Guest Miles per USD on Etihad, 3 on international, 2 on domestic spend
• Fast-track to Etihad Guest Gold tier by spending AED 4,500 on Etihad within 12 months

Updated September 2026

• Earn 3 Etihad Guest Miles per USD on Etihad Airways, 2 on international spend, 1.5 on domestic and EEA/UK spend
• Fast-track to Etihad Guest Silver tier; 1,200+ lounges via Visa Airport Companion (1 free visit/year)

Updated September 2026

• Earn 3.5 Skywards Miles per AED 3.67 on Emirates or flydubai, 2 per USD on foreign spend
• Complimentary Skywards Silver: priority check-in and boarding, 30% bonus Miles, 12kg extra baggage, Dubai Business lounge

Updated September 2026

• Earn 3.5 Miles per AED 3.67 on Emirates/flydubai, 2 per USD on foreign spend, 1.5 on local
• Skywards Silver on issuance; fast-track Gold (paid upgrade) adds Business lounge, 75% bonus Miles, extra baggage

Updated September 2026

• Earn 2 Skywards Miles per AED 3.67 on Emirates/flydubai, 1.5 per USD on foreign spend (outside EEA/UK), 1 on general local spend
• Complimentary Skywards Silver tier for 12 months: 30% bonus miles, 12kg extra baggage, priority check-in and boarding

Updated September 2026

• Earn 1.5 Skywards Miles per AED 3.67 on Emirates/flydubai, 1.1 per USD on foreign spend
• 1 complimentary airport lounge visit a year (1,200+ lounges) plus 1 free guest on that visit

Updated September 2026

• Earn 4% cashback on airlines, hotels and dining (UAE and abroad), capped at AED 200 per category per month
• 1% cashback on general spend; requires AED 2,500 minimum monthly spend to earn any cashback

Updated September 2026

• Earn 10 Etihad Guest Miles per AED 10 on Etihad, hotels and dining; 6 on international and domestic spend
• Fast-track to Etihad Guest Gold Tier after 1 Etihad return flight within 6 months of card issuance

Updated September 2026

• Earn 7 Etihad Guest Miles per AED 10 on Etihad, hotels and dining; 4 on international and domestic spend
• Fast-track to Etihad Guest Silver after 1 Etihad return flight within 6 months of card issuance

Updated September 2026

• Earn 6 Bonvoy Points per AED 3.67 at Marriott, 3 on local and international retail
• Automatic Gold Elite status, fast-track to Platinum on USD 100,000 spend; 15 Elite Night Credits yearly

Updated September 2026

• Earn 3 Marriott Bonvoy Points per USD at Marriott, 1.5 on retail spend
• Automatic Silver Elite status, fast-track to Gold at USD 40,000 spend; 10 Elite Night Credits yearly

Updated September 2026

• Earn 5% Plus Points on single spends of AED 5,000+, 2% on AED 2,500-4,999, 1% on general retail below AED 2,500
• Complimentary airport lounge access worldwide via Visa Airport Companion (requires USD 1 foreign spend to activate)

Updated September 2026

• Earn 2 Skywards Miles per USD on Emirates, flydubai, duty free, food delivery and car apps; 1.5 on international spend; 1 on local
• Complimentary Skywards Silver: Business Class lounge in Dubai, 25% bonus Miles, 12kg extra baggage, Business Class check-in

Updated September 2026

• Earn 1.5 Skywards Miles per USD on Emirates, flydubai, duty free and food delivery; 1 on international spend
• Unlimited lounge access via Visa Airport Companion (1,000+ lounges, 300+ cities) with qualifying foreign transaction

Updated September 2026

• Earn 1.5 Plus Points per AED 100 on general retail (1 Point = AED 1)
• Choose 3 travel perks from: 900+ lounges, Global Blue, airport transfers, flight-delay lounge, global eSIM

Updated September 2026

• Earn 2 Plus Points per AED 100 on general retail (0.4 on groceries/insurance, lower on fuel/utilities)
• Unlimited lounge access for you and 1 guest at 1,000+ lounges (requires a foreign-currency transaction of at least USD 1)

Updated September 2026

• Earn 6 Voyager Miles/AED via the Voyager Travel Portal, 3 on other travel spend
• Unlimited airport lounge access (1,000+ lounges) via Mastercard Travel Pass, unlocked by a USD 1+ foreign transaction in the prior 3 months

Updated September 2026

• Earn 12 Voyager Miles/AED on portal travel, 6 on other travel, 1 on retail (groceries, fuel and utilities earn significantly less)
• Complimentary access to 1,000+ airport lounges worldwide, airport transfers, Meet & Greet and Security Fast Track (3 times a year)

Updated September 2026

• Earn 7 Etihad Guest Miles per AED 10 on Etihad, 6 on international, 3.5 on UAE spend, plus 2.5 Tier Miles per AED 10
• Fast-track to Etihad Guest Gold with 1 return Etihad flight booked on the card within 6 months

Updated September 2026

• Earn 7 Etihad Guest Miles per AED 10 on Etihad, 6 on foreign spend, 3.5 on UAE domestic spend
• 2.5 Etihad Tier Miles per AED 10 spent, plus fast-track to Etihad Guest Gold on one return Etihad flight

Updated September 2026

• Earn up to 4 Etihad Guest Miles per AED 10 on Etihad bookings, 3.5 on international spend, 2 on domestic
• 25% Miles discount voucher (up to 2 return tickets) after AED 100,000 annual spend

Updated September 2026

• Earn up to 4 Etihad Guest Miles per AED 10 on Etihad, 3.5 on international non-AED spend, 2 on UAE domestic spend
• Annual 25% Miles Discount Voucher (on AED 100,000 spend) for any reward flight, any class, any destination

Updated September 2026

• Earn up to 5.5 Etihad Guest Miles per AED 10 on Etihad, 4.5 international, 2.75 domestic
• Unlimited access to 1,000+ airport lounges worldwide; 2 discounted airport transfers a year

Updated September 2026

• Earn per AED 10: 5.5 Miles on Etihad, 4.5 on international spend, 2.75 in UAE
• 2.5 Etihad Tier Miles per AED 10 spent, plus fast-track to Etihad Guest Silver

Updated September 2026

• 12% cashback on flights and hotels, 0.96% on domestic general spend (AED 1,800/month cap, AED 5,000 min spend)
• 0% foreign-currency fees on all international spend, including online purchases abroad

Updated September 2026

• Earn 2.75 Skywards Miles per USD on Emirates and flydubai, 1.5 on foreign spend, 1 on local AED spend
• Complimentary Skywards Silver tier: Emirates Business Class Lounge access when flying Emirates

Updated September 2026

• Earn 1.75 Skywards Miles per USD on Emirates/flydubai, 1 on non-AED spend
• 12 complimentary airport lounge visits a year at 1,200+ lounges (requires 1 qualifying purchase in prior 15 days)

Updated September 2026

• Earn 5 NBF Rewards Points per AED on international spend, 3.5 on UAE spend
• Unlimited access to 1,200+ airport lounges via Visa Airport Companion

Updated September 2026

• Earn 1.75 AirRewards per AED 5 on Air Arabia and international spend, 1.25 on local spend
• Complimentary return ticket at AED 30,000 retail spend; 10 kg baggage voucher at AED 20,000 a year

Updated September 2026

• Earn 3 RAKrewards per AED 1 on most spend (supermarkets, insurance, government, petrol and utilities earn less)
• Lounge access at 1,300+ lounges plus 1 guest, 6 airport transfers a year and airport fast-track

Updated September 2026

• Earn 2 RAKrewards per AED 1 on most spend (supermarkets, insurance, government and utilities earn less)
• Lounge access at 1,300+ lounges plus 1 guest, 6 airport transfers a year, and fast-track

Updated September 2026

• Earn 4 RAKrewards per AED 1 on most spend (worth up to 3.2% on flights and hotels)
• Complimentary airport lounge access for you and 1 guest (1,300+ lounges) plus 6 airport transfers a year

Updated September 2026

• Earn 1.25 RAKrewards per AED 1 on domestic and international spend
• Complimentary airport lounge access worldwide via Mastercard

Updated September 2026

• Earn 2.5 RAKrewards per AED 1 on domestic and international spend
• No annual fee ever, on a Sharia-compliant Mastercard

Updated September 2026

• Earn 3.75 RAKrewards per AED 1 on domestic and international spend
• No annual fee ever, on a Sharia-compliant Mastercard

Updated September 2026

• Earn 3.75 RAKrewards per AED on international spend, 1.25 on domestic
• No annual fee for the primary card

Updated September 2026

• Earn 3.75 RAKrewards per AED on international and Special category spend (restaurants, fitness, beauty, electronics, fashion, online), 1.25 on domestic
• No annual fee on the primary card, ever

Updated September 2026

• Earn 6.25 RAKrewards per AED on restaurants, fitness, electronics, fashion and online; 5 on international spend; 2.5 on domestic spend
• No annual fee for the primary card, ever

Updated September 2026

• Earn 6.25 RAKrewards per AED on international and Special category spend (restaurants, fitness, electronics, fashion, online), 3.75 on domestic
• No annual fee for the primary card

Updated September 2026

• Earn 5 RAKrewards per AED 1 on international spend, 3 on domestic spend
• Unlimited complimentary airport lounge access worldwide via Mastercard Travel Pass, plus 2 complimentary Careem airport rides a year (capped at USD 30 each)

Updated September 2026

• Earn 2 SIB Smiles per AED 2 on international spend, 1 per AED 2 in the UAE
• Reduced earn of 0.5 Smiles per AED 2 on supermarkets, fuel, utilities, transport and several other categories

Updated September 2026

• Earn 3 SIB Smiles per AED 2 on international spend, 1.5 on UAE purchases
• Up to 8 airport lounge visits or dining offers a year via Mastercard Travel Pass (1,300+ lounges)

Updated September 2026

• Earn 3 SIB Smiles per AED 2 on international spend (ex-EEA), 1.5 per AED 2 locally
• Up to 14 airport lounge visits or dining offers a year across 1,300+ lounges worldwide

Updated September 2026

• Earn 4 points per USD on foreign spend, 2 points per USD on local AED spend
• 2 complimentary airport lounge visits per year (Visa Airport Companion), guest included

Updated September 2026