If you’re an expatriate living in the United Arab Emirates, having a reliable credit card can be a game-changer. Whether it’s earning cashback on your everyday spending, enjoying travel perks, or simply building your credit profile, the best credit cards in the UAE for expats offer a wide range of benefits. In this 2025 guide, we’ll explore top options, what features to look for, and how to make the right choice for your lifestyle.
The UAE banking sector has become increasingly competitive, especially in the credit card space. As an expat, you have access to tailored offers that include low annual fees, travel rewards, fuel discounts, and more. Let’s take a detailed look at the top credit card options for expats in the UAE.
Why Expats in the UAE Need a Local Credit Card
Having a credit card in the UAE is not just a convenience, it’s a necessity. Many local services, including utility bills, online shopping, and even some mobile apps, prefer or require a UAE-issued card. For expats, this also helps avoid costly international transaction fees.
Using a local UAE credit card also allows you to earn rewards in dirhams, access region-specific promotions, and build a financial history that could be important if you plan to stay long-term or take a loan. The best part is, most UAE banks offer credit cards that are expat-friendly with minimal paperwork.
Top 5 Credit Cards for Expats in the UAE in 2025
There are dozens of credit card options in the market, but here are the top credit cards for expats in the UAE this year:
1. Emirates NBD Visa Platinum
- Annual fee: AED 0 (for the first year)
- Features: Skywards miles, airport lounge access, and purchase protection
- Ideal for: Frequent travelers
2. Mashreq Cashback Credit Card
- Annual fee: AED 0
- Features: Up to 5% cashback on dining, fuel, and groceries
- Ideal for: Daily spenders
3. HSBC Cashback Credit Card
- Annual fee: AED 0 (with minimum spend)
- Features: 10% cashback on fuel, dining, and grocery for the first 3 months
- Ideal for: Short-term residents
4. ADCB Lulu Platinum Credit Card
- Annual fee: AED 0
- Features: Lulu points redemption, lifestyle offers
- Ideal for: Frequent shoppers
5. FAB Infinite Credit Card
- Annual fee: AED 1,500
- Features: Travel insurance, concierge service, unlimited lounge access
- Ideal for: High-income professionals
Each of these cards caters to different needs, so selecting the right one depends on your lifestyle and spending habits.
Cashback and Rewards: What to Expect
When searching for the best credit cards in the UAE, cashback and rewards are often at the top of an expat’s list. Many UAE banks provide up to 5% cashback on everyday expenses such as groceries, dining, and fuel. These cards also include reward points, which can be redeemed for flights, hotel bookings, electronics, and more.
The Mashreq Cashback Credit Card, for instance, gives high cashback rates without an annual fee. If you’re a frequent traveler, the Emirates NBD Skywards card lets you accumulate miles on every purchase, ideal for those who fly between the UAE and their home country regularly.
Travel Perks for Frequent Flyers
If you travel often, you’ll appreciate that many UAE credit cards for expats come with generous travel perks. These may include:
- Free access to airport lounges
- Complimentary travel insurance
- Global Wi-Fi access
- Discounts on hotel bookings
For example, the FAB Infinite Credit Card offers extensive travel benefits and lounge access across over 1,000 airports worldwide. This is especially useful for business travelers or those who make frequent trips to their home country.
How Expats Can Apply for a Credit Card in the UAE
Applying for a credit card in the UAE as an expat is generally a straightforward process, but you must meet some minimum requirements. Most banks will ask for:
- A valid UAE residence visa
- A salary certificate (typically AED 5,000 minimum salary)
- Emirates ID
- Passport copy with visa page
Some UAE banks may also ask for a six-month bank statement if you don’t have an account with them. Many cards also allow for online applications, making the process even smoother.
Understanding Fees and Hidden Charges
Before applying, it’s crucial to understand the fees and hidden charges that may come with some UAE credit cards. These can include:
- Annual fees (sometimes waived for the first year)
- Late payment charges
- Cash advance fees
- Foreign exchange fees (usually around 2.99%)
The HSBC Cashback Credit Card, for example, has no annual fee if a monthly spend threshold is met, but carries standard interest and penalty fees if balances are unpaid. Always read the terms and conditions carefully before signing up.
How to Choose the Best UAE Credit Card for You
Choosing the right credit card in the UAE for expats depends on your spending behavior. Here’s how to decide:
- If you travel a lot: Pick a travel-focused card like Emirates NBD Visa Platinum
- If you shop often: Choose cards with cashback like Mashreq Cashback or ADCB Lulu
- If you prefer simplicity: Look for cards with no annual fees or minimum spend requirements
Using tools like YallaCompare or Souqalmal can help you filter and compare based on interest rates, fees, and rewards.
Frequently Asked Questions
What are the best credit cards for expats in the UAE?
Some of the top choices include the Emirates NBD Visa Platinum, Mashreq Cashback Credit Card, and HSBC Cashback Credit Card, based on their features and low fees.
Can I apply for a UAE credit card without a salary transfer?
Yes, many UAE banks allow you to apply for credit cards without needing to transfer your salary, although income verification is still required.
Is it better to get a travel or cashback credit card in the UAE?
This depends on your lifestyle. If you travel often, choose a card with airline miles and travel perks. For daily spending, cashback cards are more beneficial.
Do all UAE credit cards charge annual fees?
Not all. Many banks waive the annual fee for the first year or if a minimum spend is met. Always check the terms before applying.