Best Credit Cards in UAE Without Annual Fee

Best No Annual Fee Credit Cards in UAE

Credit Cards have become a major payment mode and are commonly used everywhere in Dubai. Credit Cards make it easier to go cashless without worrying about account balance. There are many CCs offered by various financial institutes in the UAE. While most cards charge minimal to significant annual fees, there is also a range of no annual fee Credit Cards in the UAE.

Benefits of No Annual Fee Credit Card

Paying an additional fee for a credit card is only beneficial if the credit card offers you more rewards than the company charges you. That is why there are several instances where annual fee-free credit cards outperform their fee-based counterparts when it comes to long-term value. Moreover, you can keep your card active for an extended period without additional costs.

Top 10 Credit Cards in UAE without Annual Fee

Are you looking for No Annual Fee credit cards in Dubai?

We have made the task easier by comparing all the ‘no annual fee credit cards in Dubai and UAE. Here’s our pick of the top 10 credit cards in Dubai which do not charge any annual fee. These cards are accepted everywhere in UAE and let you explore the shopping scene in Dubai Marina and food options in the megacity.

Citibank Simplicity Credit Card

Citibank is a leading international bank that provides a range of financial services all around the world. Citigroup opened its first branch in Dubai in 1964. The Citibank Simplicity Credit Card offers many benefits to its customers, and the card remains valid for both online and retail purchases.

Main Features

• No annual fee, no cash advance fee, and no over-limit.
• Complimentary cards for family members.
• The rate of interest starts from 3% monthly.
• Offers an easy installment plan that makes big purchases into small payments.
• Instant cash loans of AED 16,000, anytime.
• 50% off on total bills at partner merchants such as grocery, dining, cinemas, golf, etc.
• Unlimited access to selected airport lounges in the Middle East.

Eligibility

• Age: 21 years old or above
• Minimum monthly income: AED 5,000
• Documents Required: Emirates ID, Passport, and valid UAE Visa copy.
• Information Required: Salary account, IBAN, and Passport number.

CBD Vista Infinite Card

Commercial Bank of Dubai offers this credit card with excellent benefits for customers. It’s a unique card specially designed for the need of the customer.

Main Features

• There is no annual fee for the first year, but it might be applicable by 2^nd
• The annual membership fee of supplementary cards is free for life.
• Supplementary cards for family members above the age of 15.
• Chip and pin to protect against theft and fraud.
• Free travel insurance and purchase protection.
• The rate of interest starts from 3.4% monthly.
• Offers an easy installment plan that makes big purchases into small payments.
• 3 Complimentary valet parking facilities a month at Mirdif City Center, Box Park, and many other locations.
• 50% Off four movie tickets at VOX, Reel, or Novo theatres each month.
• Free access to selected international VIP airport lounges.

Eligibility

• Age: 21 years old or above
• Minimum monthly income: AED 30,000
• Documents Required: Emirates ID, Passport, and valid UAE Visa copy.
• Information Required: Salary account, IBAN, and Passport number.

CBD Vista Platinum Card

This is another special no annual fee credit card by the Central Bank of Dubai. With this card, you can enjoy the luxury of choice while shopping, paying bills, and making online transactions. Your life can be made easier in several ways.

Main Features

• No annual fee for life for both primary and supplementary cards.
• Supplementary cards for family members above the age of 15.
• Chip and pin to protect against theft and fraud.
• Access to CBD Reward point program.
• Free travel insurance and purchase protection.
• The rate of interest starts from 2.99% monthly.
• Offers an easy installment plan that makes big purchases into small payments.
• Get a 15% discount at Emaar entertainment, such as KidZania®, Dig It Dubai, VR Theme Park, and Ekart.
• 50% off on four movie tickets at VOX, Reel, or Novo theatres each month (only on Saturday shows).
• No airport lounge access.

Eligibility

• Age: 21 years old or above.
• Minimum monthly income: AED 8,000.
• Documents Required: Emirates ID, Passport, and valid UAE Visa copy.
• Information Required: Salary account, IBAN, valid trade license, and Passport number.

ADIB Value+ Card

The Abu Dhabi Islamic Bank claims the ADIB Value+ card offers the best and most versatile rewards program. You can convert the reward points into gift cards for restaurants, stores, flight tickets, etc.

Main Features

• No annual fee for life for both primary and supplementary cards.
• Supplementary cards for family members above the age of 15.
• Access to airport lounges across the GCC/MENA region.
• You can withdraw 100% of your finance limit as cash.
• The rate of interest starts from 3% monthly.
• Redeem your ADIB reward points for shopping vouchers for Abu Dhabi mall, Sharjah Megamall, and Sahara Center.

Eligibility

• Age: 21 years old or above.
• Minimum monthly income: AED 8,000.
• Documents Required: Emirates ID, Passport, bank account statement for the past 3 months, and valid UAE Visa copy.
• Information Required: Salary account, IBAN, valid trade license, and Passport number.

Noor Bank Wealth World Credit Card

This Noor Bank credit card is all about ease and convenience. Not only is there no annual fee for a lifetime, but it also has a low-interest rate of 3.25%.

Main Features

• No annual fee for life for both primary and supplementary cards.
• Supplementary cards for family members above the age of 15.
• Access to 900 airport lounges across the GCC/MENA region.
• Airport picks up and drops service within Abu Dhabi, Sharjah, and Dubai, with a minimum monthly spend of AED 3000.
• Complimentary global calling on an approved internet plan of AED 50 and AED 100 worth.
• With a minimum spend of AED 5000 a month, enjoy a round of golf at Arabian Ranches Dubai.
• With a minimum spend of AED 3000 per month, get 4 complimentary valet parking per month at 30+ locations.
• The rate of interest starts from 3.25% monthly.

Eligibility

• Age: 21 years old or above.
• Minimum monthly income: AED 8,000.
• Documents Required: Emirates ID, Passport, and valid UAE Visa copy.
• Information Required: Salary account, IBAN, valid trade license, and Passport number.

Fab Abu Dhabi Titanium Card

First Abu Dhabi Bank offers multiple benefits at zero annual fees. The more you spend more benefits you are offered. The bank also provides cash prize contests for its cardholders.

Main Features

• No annual fee for life.
• Access to 10 airport lounges in UAE, KSA, Jordan, Kuwait, and Egypt.
• Avis car rental discounts of 15% in Europe, the Middle East, Africa, and Asia and 12% discount in the USA and Canada.
• Discount on chauffeur-driven cars by Careem.
• The rate of interest starts from 3.75% monthly.

Eligibility

• Age: 21 years old or above.
• Minimum monthly income: AED 5,000.
• Documents Required: Emirates ID, Passport, and valid UAE Visa copy.
• Information Required: Salary account, IBAN, valid trade license, and Passport number.

HSBC Zero Credit Card

This special credit card is a unique offering by HSBC bank for people who are scared of using credit cards. Enjoy the many free benefits of the card, including entertainment, shopping, and loans.

Main Features

• No annual fee for life.
• No over-limit fees.
• Zero cash advance fee.
• Zero processing fee and balance transfer.
• Flexible installment plan to convert purchases worth AED 1000 into monthly EMI, which can be paid over by 36 months.
• Get up to 30% off at over 400 restaurants across the UAE.
• Vox buy 1- get 1 free offer for all cinemas.
• The rate of interest starts from 3.50% monthly.
• 10% Off on British Airways airfare.
• Get exclusive offers on shopping, dining, leisure, and entertainment at 19,000 outlets across 160 countries and regions.

Eligibility

• Age: 21 years old or above.
• Minimum monthly income: AED 10,000.
• Documents Required: Emirates ID, Passport, and valid UAE Visa copy.
• Information Required: Salary account, IBAN, valid trade license, and Passport number.

RAKBANK High Flyer Platinum Credit Card

A vast array of incentives, advantages, and privileges are available with the new RAKBANK HighFlyer Platinum Credit Card. You have access to more than 300,000 hotels and other travel options. Moreover, there aren’t “black-out” times while using RAK awards to purchase tickets.

Main Features

• No annual fee for life.
• Avis car rentals discount for up to 20%.
• Low-interest rates on outstanding retail purchases.
• Free supplementary cards for the family.
• Free travel accident insurance.
• The rate of interest starts from 3.45% monthly.
• Cash advance of up to 80% of your credit card limit.
• Get exclusive offers on shopping, dining, leisure, and entertainment at 19,000 outlets across 160 countries and regions.

Eligibility

• Age: 21 years old or above.
• Minimum monthly income: AED 10,000.
• Documents Required: Emirates ID, Passport, and valid UAE Visa copy.
• Information Required: Salary account, IBAN, valid trade license, and Passport number.

ADCB Lulu Platinum Credit Card

A specially designed card for people who love to shop at Lulu. Every time you use your card at Lulu mall or hypermarket, you get Lulu points which you can redeem in your future purchases or instantly. On every AED 1 purchase, you get 5 points.

Main Features

• No annual fee for life.
• The interest balance is transferred to the card.
• Rewards points can be used instantly.
• Unique benefits at Ferrari and Yas world.
• The rate of interest starts from 3.25% monthly.
• Interest-free balance transfers.
• Airport lounge access.
• Points can be used for supplementary cards as well.

Eligibility

• Age: 21 years old or above.
• Minimum monthly income: AED 15,000.
• Documents Required: Emirates ID, Passport, and valid UAE Visa copy.
• Information Required: Salary account, IBAN, valid trade license, and Passport number.

ADCB Touchpoints Gold Credit Card

The card offers a vast range of benefits apart from monthly bonuses. Abu Dhabi Commercial Bank provides different solutions for people interested in Islamic banking only.

Main Features

• No annual fee for life.
• 0% Interest loan for a loan taken for paying school fees.
• Buy 1, get 1 free on movie tickets.
• Discounts at Talabat grocery and delivery.
• Unlimited complimentary lounge access.
• Avis rent car benefit.
• Points can be used for supplementary cards as well.

Eligibility

• Age: 21 years old or above.
• Minimum monthly income: AED 15,000.
• Documents Required: Emirates ID, Passport, and valid UAE Visa copy.
• Information Required: Salary account, IBAN, valid trade license, and Passport number.

Conclusion

A credit card covers all your instant payment needs, whether you want to get breakfast in Dubai or encounter an unexpected travel expense. While many luxury credit cards have an annual charge, numerous cards offer a wide range of perks without additional costs.

Choose a credit card with no annual fee if you are a responsible spender. Choose one that has a simple process yet comprehensive advantages. These credit cards are everything you expect from a typical CC, but they help reduce your annual card maintenance costs.