Best Credit Cards in the UAE (2025 Edition): Compare Rewards, Cashback & Benefits

Finding the right credit card in the UAE can feel overwhelming. With countless options offering flashy rewards, attractive cashback rates, or luxurious travel perks, it’s easy to get lost in the details.

Yet, choosing wisely can mean significant savings and benefits for everyday life. Whether the goal is saving on groceries, enjoying lounge access during travels, or simply avoiding annual fees, the UAE banking market has something for everyone in 2025.

This guide highlights some of the best credit cards in the UAE to help narrow down the choices and find the perfect fit for individual spending habits.

Why Credit Cards Matter in the UAE

Life in the UAE comes with unique spending patterns. Many residents dine out frequently, travel often, or spend significantly on daily essentials like groceries, petrol, and utility bills.

The right credit card can offer:

• Cashback savings on routine expenses
• Free airport lounge access for frequent flyers
• Travel insurance and premium perks
• Discounts on shopping, dining, and entertainment
• Zero or low fees for foreign transactions

Top Cashback Credit Cards in UAE (2025)

For those focused on savings, cashback credit cards are an excellent choice. These cards put money directly back into the pocket for every purchase.

Mashreq Cashback Credit Card

• Up to 5% cashback on groceries
• 2% cashback on fuel
• Dining discounts and seasonal offers
• Annual fee waived for the first year

This card suits individuals managing family expenses or large grocery bills each month.

Emirates Islamic Cashback Plus Card

• Up to 10% cashback on dining and telecom bills
• Shariah-compliant
• Annual fee around AED 313.95

This is ideal for those who frequently dine out or seek Islamic banking products.

Best Air Miles Credit Cards in UAE (2025)

Travel remains a key part of life for many UAE residents, making air miles cards particularly appealing.

Emirates NBD Skywards Infinite Card

• Earns up to 2 Skywards Miles per USD spent
• Complimentary airport lounge access worldwide
• Travel insurance coverage
• Annual fee around AED 1,500

Suited for frequent Emirates flyers who value premium travel experiences.

ADCB Etihad Guest Platinum Card

• Up to 2.5 Etihad Guest Miles per USD spent
• Free valet parking, travel insurance, and other lifestyle benefits
• Annual fee around AED 1,050

A great choice for loyal Etihad travelers looking to maximise miles and perks.

Best No-Annual-Fee Credit Cards in UAE (2025)

Several cards deliver solid benefits without the burden of an annual fee.

• RAKBANK Titanium Credit Card: No annual fee, up to 5% cashback on groceries, dining discounts.
• Emirates Islamic Flex Card: No annual fee, flexible payment options, retail discounts.
• ADCB SimplyLife Card: No annual fee, supermarket cashback, free movie tickets monthly.

These are ideal for budget-conscious users who want practical perks without extra costs.

Key Factors When Choosing a Credit Card

Selecting a card shouldn’t be based on offers alone. It’s crucial to consider:

• Monthly spending habits
• Type of rewards preferred (cashback, travel, lifestyle perks)
• Annual fees and hidden charges
• Minimum spend requirements for benefits
• AECB credit score and eligibility

The right choice depends entirely on lifestyle and financial goals.

The Role of AECB Credit Score

In the UAE, banks use the Al Etihad Credit Bureau (AECB) score to assess applications. A higher score increases approval chances and can unlock better interest rates and credit limits.

Before applying, it’s wise to check one’s AECB report to avoid unnecessary rejections that could lower the score further.

Making the Search Easier

Platforms like TestMyCard.ae simplify the process. Users can enter their income, spending habits, or upload their AECB report to receive tailored recommendations.

Instead of navigating dozens of bank websites, it’s possible to instantly discover the cards most suitable and likely to be approved.

Final Thoughts

Choosing the right credit card in the UAE can make daily spending more rewarding, whether through cash savings, travel perks, or lifestyle discounts.

By comparing features and aligning card benefits with personal habits, it’s possible to maximise value and enjoy a smoother financial journey in 2025.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.testmycard.com for latest updates.