Compare Credit Cards in United Arab Emirates
Live offers across tracked providers in United Arab Emirates — updated daily from the Giraffy database.
Live offers
- noon One Visa Credit Card
- U By Emaar Family Credit Card
- ADCB LuLu Platinum Credit Card
- ADCB LuLu Titanium Credit Card
- ADCB TouchPoints Titanium and Gold Credit Card
The cheapest Credit Cards in United Arab Emirates is AED 0 from Emirates NBD.
Credit Cards in United Arab Emirates — FAQ
What credit score do I need to get approved for a credit card in United Arab Emirates?
Minimum score requirements vary by card and issuer. In United Arab Emirates, scores are reported by the Al Etihad Credit Bureau (AECB). Premium rewards and travel cards typically require a good-to-excellent score, while secured or entry-level cards are available with lower or no credit history. Checking eligibility with a soft search won't affect your score.
Which credit card in United Arab Emirates has no foreign transaction fee?
Giraffy tracks 5 credit cards across Emirates NBD,Abu Dhabi Commercial Bank banks in United Arab Emirates. Use the 'No Foreign Fees' filter on the card detail to find cards that don't charge for overseas spending — useful if you travel or shop in foreign currencies online.
How do balance transfers work, and are they worth it?
A balance transfer moves your existing credit card debt to a new card, often at 0% interest for an introductory period. You typically pay a one-off transfer fee (1–3%). If you can repay the balance before the 0% period ends, you save on interest — check the revert rate carefully.
What is a rewards or cashback credit card?
Rewards cards earn points, miles, or cashback on every purchase. Cashback is the simplest — a percentage of spending returned as cash. Points and miles can be worth more if redeemed for flights or hotels, but require more active management. Annual fees are often offset if you spend above a certain threshold.
Can I get a credit card with no annual fee?
Yes — several cards tracked by Giraffy in United Arab Emirates charge no annual fee. They typically offer fewer perks than premium cards, but are the most cost-effective choice if you pay your balance in full each month and want a card purely for convenience or building credit history.
How does credit card interest work?
If you pay your full statement balance by the due date each month, you pay zero interest. Interest only applies to carried balances, cash advances, or missed payments. The representative APR shown on each card covers all standard purchase interest — compare APRs when choosing a card you might not always pay off in full.
What is the difference between a credit limit and an available balance?
Your credit limit is the maximum you're allowed to borrow at any time. Your available balance is what's left after deducting current transactions. Staying well below your limit — ideally under 30% — helps maintain a healthy credit utilisation ratio, which is a key factor in your credit score.