Rewards cards · UAE

Best rewards credit cards in the UAE

Flexible points you can redeem for cashback, vouchers or travel. Compare earn rates, redemption options and annual fees side by side.

33cards
01
Lulu Titanium Credit CardFree for life · from AED 5,000
02
TouchPoints Titanium/Gold Credit CardFree for life · from AED 5,000
03
BRight Titanium Credit CardFree for life · from AED 5,000

Rewards buying guide

Points are worth what you can redeem them for

Every rewards programme sets its own exchange rate, and banks are not obliged to advertise it in dirhams. Before comparing earn rates, find out what a thousand points is actually worth at redemption - as statement credit, as a voucher, or transferred into an airline programme. A card earning twice the points can still pay less.

Then check what the points are good for. Points that convert only into one retailer's vouchers are a discount at that retailer. Points that convert to cash, or transfer into a frequent flyer programme, behave much more like money.

Of the 33 rewards cards on this page, 18 carry no annual fee and the most expensive costs AED 1,575 a year. Minimum salaries run from AED 5,000 to AED 30,000 a month, across 10 banks.

Find the cash value first

Divide the redemption value by the points it costs. That gives a value per point; multiply by the earn rate and you finally have a return per dirham you can compare across banks.

Watch the exclusions

Government payments, rent, utilities, education, insurance and fuel are frequently excluded from earning, or earn at a reduced rate. For many households that is a large share of monthly card spending.

Expiry and redemption thresholds

Points that expire after two or three years, or that cannot be redeemed until you reach a minimum balance, are worth less than the earn rate suggests. Both details sit on the individual card pages.

Rewards cards by minimum salary

Rewards credit card questions

It varies by programme, from a fraction of a fils to several fils per point. The only fair way to compare cards is to convert the earn rate into dirhams back per AED 1,000 spent, using the bank's own redemption table.

Cashback pays a fixed value automatically. Reward points hold a variable value that depends on how you redeem them, and they usually need you to do something to collect. Points can be worth more; cashback is worth exactly what it says.

Often, yes. Most programmes expire points after a set period, and many cancel the balance if the card is closed or falls into arrears. Check the programme rules before you build up a large balance.

Commonly excluded: government and utility payments, rent, education fees, insurance premiums, cash advances, balance transfers and quasi-cash transactions. Fuel earns at a reduced rate at several banks. Each card page lists what the bank excludes.

Not necessarily. The 33 rewards cards in this list start at AED 5,000 a month, and 18 of them carry no annual fee at all.

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Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.