The UAE offers a diverse selection of credit cards tailored to different financial needs and income levels. For individuals seeking credit cards with minimal salary requirements and zero annual fees, here are some of the top options that provide excellent benefits without high salary thresholds or annual fees.
1. FAB Cashback Credit Card
- Minimum Salary Requirement: AED 7,000
- Annual Fee: AED 0
- Key Features:
- 5% cashback on supermarket purchases.
- 2% cashback on utility bill payments.
- 1% cashback on all other purchases.
- Access to over 10 airport lounges across the Middle East.
- Purchase protection and extended warranty benefits.
2. Mashreq Platinum Elite Credit Card
- Minimum Salary Requirement: AED 7,000
- Annual Fee: AED 0
- Key Features:
- Up to 10% cashback on dining, groceries, and fuel.
- Complimentary airport lounge access.
- Free valet parking services across various locations in the UAE.
- Discounts on cinema tickets and shopping offers.
3. Emirates NBD Lulu 247 Mastercard
- Minimum Salary Requirement: AED 5,000
- Annual Fee: AED 0
- Key Features:
- 7% cashback on Lulu Hypermarket spends.
- 0.25% cashback on all other purchases.
- 3% cashback on dining and 2% on entertainment.
- Free access to select airport lounges globally.
4. ADCB SimplyLife Credit Card
- Minimum Salary Requirement: AED 5,000
- Annual Fee: AED 0
- Key Features:
- Up to 5% cashback on supermarket and fuel purchases.
- 0% interest on balance transfers for up to 12 months.
- Free airport lounge access within the UAE.
- Easy installment plans with 0% interest for purchases.
5. RAKBANK Titanium Credit Card
- Minimum Salary Requirement: AED 5,000
- Annual Fee: AED 0
- Key Features:
- 10% cashback on dining, groceries, and fuel.
- Discounts on hotel bookings, flights, and travel packages.
- Free roadside assistance and car recovery services.
- Complimentary travel insurance coverage.
6. Citibank Simplicity Credit Card
- Minimum Salary Requirement: AED 8,000
- Annual Fee: AED 0
- Key Features:
- 0% interest on balance transfers for up to 12 months.
- No late fees, no annual fees, and no over-limit fees.
- Access to global airport lounges with a Priority Pass membership.
- Easy installment plans for large purchases with no additional charges.
7. Standard Chartered Platinum Credit Card
- Minimum Salary Requirement: AED 5,000
- Annual Fee: AED 0
- Key Features:
- 10% cashback on supermarket, dining, and fuel purchases.
- Complimentary access to airport lounges across the UAE.
- Exclusive discounts on travel bookings and lifestyle experiences.
- Purchase protection and extended warranty benefits.
8. HSBC Cashback Credit Card
- Minimum Salary Requirement: AED 10,000
- Annual Fee: AED 0
- Key Features:
- 10% cashback on dining, entertainment, and telecom expenses.
- 1% cashback on all other purchases.
- Discounts on travel and shopping.
- Complimentary access to over 900 airport lounges worldwide.
9. Najm One Cashback Credit Card
- Minimum Salary Requirement: AED 8,000
- Annual Fee: AED 0
- Key Features:
- Up to 10% cashback on supermarket spends.
- 1% cashback on all other purchases.
- Free valet parking at select locations.
- Discounts on dining and lifestyle services across the UAE.
10. Dubai First Cashback Credit Card
- Minimum Salary Requirement: AED 5,000
- Annual Fee: AED 0
- Key Features:
- 5% cashback on supermarket, dining, and fuel purchases.
- No annual fees or hidden charges.
- Complimentary travel insurance and purchase protection.
- Easy installment plans at 0% interest.
Conclusion
Selecting the right credit card in the UAE is a matter of matching the card’s benefits with your financial habits and goals. The above-listed credit cards offer a combination of rewards, cashback, and travel perks without the burden of high salary requirements or annual fees, making them ideal choices for residents looking to maximize their spending power. Whether you prioritize cashback, travel benefits, or installment plans, these credit cards provide a valuable mix of features without the cost of an annual fee.
You should read this also: How to Open an Account at Mbank in the UAE
