Introduction
Dubai is one of the most competitive financial markets in the Middle East, offering a wide variety of credit cards with world-class perks. From luxury travel benefits to cashback on daily purchases, UAE banks are constantly innovating to attract customers.
In this article, we’ll explore the 10 best credit cards in Dubai for 2025, comparing rewards, annual fees, travel benefits, and eligibility requirements—so you can make the best choice for your needs.
1. Emirates NBD Skywards Infinite Credit Card
Best For: Frequent Emirates Airline travelers
Key Features:
- Up to 2 Skywards Miles per USD spent
- Complimentary airport lounge access worldwide
- Travel insurance coverage
- Free valet parking at Dubai malls
Pros:
- Excellent airline rewards
- Premium lifestyle benefits
Cons:
- High minimum income requirement (AED 30,000/month)
- Annual fee applies
2. ADCB TouchPoints Platinum Credit Card
Best For: Everyday spending and cashback
Key Features:
- Earn TouchPoints on every purchase
- Discounts on dining, travel, and shopping
- Balance transfer facility
- Free movie tickets every month
Pros:
- Good for everyday expenses
- Multiple redemption options
Cons:
- Limited international travel perks
3. Mashreq Platinum Elite Credit Card
Best For: High spenders who want luxury rewards
Key Features:
- 2.5% cashback on all purchases
- Free airport lounge access
- Complimentary valet parking
- Golf privileges at select courses
Pros:
- High cashback rate
- Premium lifestyle benefits
Cons:
- Annual fee required
- Minimum income AED 7,000/month
4. HSBC Platinum Select Credit Card
Best For: Balance transfers & global use
Key Features:
- 0% interest on balance transfers (first 6 months)
- Rewards on all purchases
- Travel and shopping protection insurance
Pros:
- International bank with global benefits
- Strong fraud protection
Cons:
- Lower rewards compared to premium cards
5. FAB Cashback Credit Card
Best For: Maximum cashback rewards
Key Features:
- 5% cashback on supermarket & fuel purchases
- 2% cashback on utility bills
- No minimum spend for cashback
Pros:
- High cashback rates in UAE categories
- No annual fee
Cons:
- Limited travel benefits
6. Citi Premier Credit Card
Best For: Global travelers & luxury perks
Key Features:
- Up to 1.5 Citi Miles per USD spent
- Free airport lounge access worldwide
- Travel insurance & hotel discounts
Pros:
- Great for frequent travelers
- Flexible rewards redemption
Cons:
- Annual fee applies
7. Standard Chartered Manhattan Platinum Credit Card
Best For: Dining & lifestyle rewards
Key Features:
- 3x rewards points on dining
- Discounts at luxury hotels & restaurants
- Balance transfer options
Pros:
- Strong dining rewards program
- Flexible repayment options
Cons:
- Limited travel perks
8. RAKBANK Titanium Credit Card
Best For: Free lounge access & fuel benefits
Key Features:
- Complimentary lounge access in UAE & abroad
- Fuel cashback at ADNOC & ENOC stations
- Dining and retail discounts
Pros:
- No annual fee
- Good fuel cashback
Cons:
- Limited international rewards
9. Dubai First Royale Credit Card
Best For: Ultra-premium users (invite only)
Key Features:
- 24/7 personal relationship manager
- Unlimited spending limit
- Luxury concierge services
Pros:
- Exclusive prestige benefits
- Unlimited lifestyle privileges
Cons:
- Invite-only, not for the general public
10. Najm Platinum Cashback Credit Card
Best For: Everyday cashback without fees
Key Features:
- 5% cashback on groceries
- 2% cashback on other spends
- No annual fee
Pros:
- Simple cashback structure
- Good for daily use
Cons:
- No premium travel perks
Comparison Table: Best Credit Cards in Dubai 2025
| Credit Card | Best For | Cashback/Rewards | Annual Fee | Travel Perks |
|---|---|---|---|---|
| Emirates NBD Skywards Infinite | Emirates flyers | 2 Skywards Miles/USD | Yes | Yes |
| ADCB TouchPoints Platinum | Everyday spending | TouchPoints | No | Limited |
| Mashreq Platinum Elite | Luxury rewards | 2.5% cashback | Yes | Yes |
| HSBC Platinum Select | Balance transfers | Rewards Points | No | Yes |
| FAB Cashback | Maximum cashback | Up to 5% cashback | No | Limited |
| Citi Premier | Global travel | Citi Miles | Yes | Yes |
| Standard Chartered Manhattan Platinum | Dining rewards | 3x dining points | Yes | Limited |
| RAKBANK Titanium | Fuel & lounge access | Fuel cashback | No | Yes |
| Dubai First Royale | Elite luxury | Unlimited | Yes | Yes |
| Najm Platinum Cashback | Simple cashback | Up to 5% cashback | No | Limited |
Benefits of Using a Credit Card in Dubai
- Earn rewards & cashback on daily expenses
- Access to luxury travel perks
- Strong fraud protection under UAE banking laws
- Easy payment flexibility
- Exclusive dining & entertainment discounts
Tips for Choosing the Right Credit Card in Dubai
- Know Your Spending Habits – Cashback for groceries? Miles for travel? Choose accordingly.
- Check Annual Fees vs. Benefits – Make sure the perks outweigh the cost.
- Look for Sign-up Bonuses – Many cards offer big rewards for first-time users.
- Pay on Time – Avoid high interest charges.
FAQ
1. Which credit card is best for travel in Dubai?
Emirates NBD Skywards Infinite and Citi Premier are top choices for travelers.
2. Can expats get credit cards in Dubai?
Yes, most banks issue cards to residents with valid Emirates ID and salary proof.
3. Which card gives the highest cashback?
FAB Cashback Credit Card offers up to 5% on select categories.
4. What’s the minimum salary for a UAE credit card?
Usually AED 5,000–30,000/month depending on the card.
Conclusion
Dubai offers a wide variety of credit cards to match every lifestyle—whether you’re a frequent flyer, a high spender, or simply want cashback on groceries. Compare the rewards, fees, and perks to find the perfect card for your financial goals in 2025.