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Choosing The Best Credit Cards In UAE For Your Needs

It can be difficult to choose the right credit card, especially when you are bombarded with offers from banks. But don’t worry, we’ve got you covered. In this article, we’ll guide you on what are the best credit cards in the UAE and how to choose the best credit card for your needs.

What are the best credit cards in the UAE?

There are many different credit cards available in the UAE, and it can be difficult to choose the right one. However, there are a few factors that you can consider to help you find the best credit card for your needs.

One important factor to consider is the interest rate. Credit cards with low-interest rates will save you money on interest charges. Another factor to consider is the annual fee. Some credit cards have high annual fees, so you will want to avoid these if possible. Finally, you will want to consider the rewards that each card offers. Some cards offer cash back or points that can be redeemed for travel or other purchases. Choose a card that offers rewards that are valuable to you.

The best credit card for you will depend on your individual needs and preferences. Consider all of the factors listed above to find the best card for your situation.

What are the different types of credit cards in the UAE?

There are several different types of credit cards in the UAE. The most common type is the Visa and Mastercard. These cards can be used in most stores and online. There are also a number of local credit cards that can only be used in the UAE. These include Emirates NBD, Abu Dhabi Commercial Bank, and Mashreqbank.

There are also a number of prepaid credit cards in the UAE. These cards can be loaded with money and used like normal credit cards. However, they are not connected to a bank account, so there is no interest or late fees.

Finally, there are also a number of Islamic credit cards in the UAE. These cards comply with Sharia law and do not charge interest or fees. Instead, they work on a profit-sharing basis.

How to choose the best credit card for you

There are a few things to consider when choosing the best credit card for you. First, think about what you will use the credit card for. If you plan to use it for everyday purchases, look for a card with low-interest rates and no annual fee. If you plan to use the card for travel or other big-ticket items, look for a card with rewards points that can be redeemed for travel expenses or cash back.

Second, consider your credit score. If you have good credit, you will likely be able to qualify for a card with better terms, such as a lower interest rate or a higher credit limit. If you have bad credit, you may still be able to get a credit card, but it will probably have higher interest rates and fees.

Third, compare different cards to see which one offers the best deal. Be sure to read the fine print so that you understand all of the terms and conditions before you apply.

By taking these factors into consideration, you can narrow down your choices and find the best credit card for your needs.

The best cashback credit cards in UAE

There are a few different cashback credit cards available in the UAE, and each has its own advantages and disadvantages.

The ADIB Cashback Visa Platinum Card is one of the best cashback credit cards in the UAE. It offers 1% cashback on all local and international purchases, making it a great choice for those who want to earn rewards on their spending. The ADIB Cashback Visa Platinum Card has an annual fee of AED 1,000. The minimum salary requirement of this card is AED 10,000. The other benefits of the card include a 100% cash advance limit and unlimited airport launch access. 

The Emirates Islamic Cashback Plus Credit Card is another great option for those looking for a cashback credit card in the UAE. It offers 10% cashback on grocery and supermarket purchases in UAE and abroad. The annual fee of the card is AED 313.9 and the minimum salary requirement is AED 12,000. 

The FAB cashback Credit Card is another excellent choice for those looking for a cashback credit card in the UAE. It offers up to 5% cashback on various day-to-day spendings such as fuel, grocery, and dining.  The minimum salary requirement of this card is AED 5,000 and the annual fee is AED 315. FAB Cashback Credit Card comes with free airport lounge access and discounts on movie, hotel and travel bookings.

The best travel credit cards in UAE

There are many different types of credit cards available in the UAE, and it can be difficult to know which one is the best for your needs. However, if you are looking for a credit card that is specifically designed for travel, there are a few that stand out from the rest.

The first is Citibank’s Citi Prestige Credit Card. This card offers unlimited access to 1000+ airport lounges worldwide. It also comes with an AED 1,500 cashback as a welcome offer on spending AED 25,000 in the first 90 days. Citi Prestige Card offers a complimentary 4th night free at any hotel worldwide. In addition Buy 1 Get 1 free movie tickets at VOX & REEL cinemas, Unlimited golf on weekdays and 1 free round on weekends per month. In order to be eligible for this premium card, one should have a minimum monthly income of AED 30,000.

Another great option for a travel credit card is the Standard Chartered Saadiq Platinum Credit Card. This card offers up to 30% off on air tickets booked through the Cleartrip website. It also comes with a 20% discount on three Careem rides every month. 

If you are looking for a travel credit card that offers great perks and benefits, these are two of the best options available

The best balance transfer credit cards in UAE

There are a few things to consider when looking for the best balance transfer credit card in UAE. First, you will want to find a card with a low-interest rate. This will help you save money on your monthly payments. Second, you will want to find a card with a 0% balance transfer fee. This will help you save money when you transfer your balance to the new card. Finally, you will want to find a card with a low annual fee. This will help you keep more of your hard-earned money in your pocket.

One of the best balance transfer credit cards in the UAE is HSBC Zero Credit Card. This card offers a low-interest rate, 0% balance transfer fees, and zero annual fees. The other best balance transfer credit cards include United Arab Bank Visa Titanium Credit Card, Mawarid Finance Souhoula Credit Card, and Finance House Titanium Cartnet Credit Card. So, if you are looking for a great balance transfer credit card in UAE, be sure to consider one of these options.

Conclusion

There are a lot of different credit cards available in the UAE, and it can be hard to know which one is right for you. We hope that our list of the best credit cards in the UAE has helped you narrow down your options and find the perfect card for your needs. Do you have a favourite credit card? Let us know in the comments below!

Also Read:

  1. How to Check Your Credit Score In UAE
  2. How to Use Credit Card Effectively and Safely
  3. How to Apply for a Credit Card in UAE

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