Everything you need to know about credit cards in the UAE.
Everything you need to know before choosing a credit card in the UAE — explained clearly, transparently, and without fine-print tricks.
Credit cards in the UAE offer cashback, rewards, travel perks, and instalment plans. But the real difference between a good and bad experience comes down to understanding fees, eligibility, repayment behaviour, and long-term financial impact.
This guide helps you make informed decisions with confidence.
A credit card allows you to spend up to a pre-approved limit and repay later.
The card itself is neutral — how you use it determines the cost.
Most UAE banks assess eligibility based on:
Even unused credit cards contribute to your total credit exposure and may affect future approvals.
Cashback, travel, lifestyle benefits, or credit building — pick a card that matches how you actually spend.
A card is only worth its annual fee if the benefits you use exceed the cost. Many users overpay for premium cards they rarely use.
Paying only the minimum increases interest costs and extends debt duration. Paying the full balance whenever possible is the healthiest habit.
Finance charges usually apply when the full balance is not paid. Rates can be significantly higher than other borrowing options.
Always review:
The UAE offers both:
Interest on unpaid balances
Shariah-compliant structures using profit-based models
Islamic cards are not automatically cheaper. Always compare the Key Facts Statement, not just the label.
Good habits that matter most:
A credit card works best as a payment convenience, not emergency funding.
Avoiding these mistakes often saves more money than chasing rewards.
If you’re ready to explore options you can apply for today, see Best No Annual Fee Credit Cards in the UAE.
Most banks require a minimum monthly salary starting around AED 5,000. Final eligibility depends on employer category, credit history, and existing liabilities.
You may incur late payment fees, finance charges, and negative impact on your UAE credit profile.
Applying for multiple cards in a short time can negatively affect your credit assessment, as it may signal financial stress.
They use different structures but can still include fees and profit charges. Always review the Key Facts Statement to understand the true cost.