AED · +971
Best Credit Cards in United Arab Emirates
Premium-skewed market with strong airline tie-ups — Emirates Skywards & Etihad Guest.
The Emirati credit-card market
The UAE credit card market is small but premium-skewed, with strong tie-ups to Emirates Skywards and Etihad Guest. AED 5,000+ monthly spend tiers unlock generous airline miles, lounge access (often via LoungeKey or Visa Infinite networks), and golf privileges.
- check_circlePremium and super-premium cards dominate the marketing
- check_circleEmirates Skywards and Etihad Guest are the major rewards currencies
- check_circleSalary transfer often required (AED 8,000–25,000+ for premium)
- check_circleLounge access widely bundled — VIP at DXB and AUH airports
Major issuers
- Emirates NBD
- First Abu Dhabi Bank
- ADCB
- Mashreq
- HSBC
- Citibank
- Dubai Islamic Bank
0 Emirati cards on Perk.Cards
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FAQs — Emirati credit cards
Which UAE card has the best airport lounge access?expand_more
Emirates NBD Skywards Infinite and FAB Cashback Elite both offer unlimited lounge access. Citi Prestige and HSBC Premier World Elite are strong international alternatives.