Best no-annual-fee credit cards
Every one of the 37 cards with no annual fee in our list. Each card is placed by its highest published category rate, shown on the right with the category it applies to; ties go to the lower annual fee. That rate usually covers one kind of spending, so open the card page to see every rate and the small print.
Cashback 12
Emirates Islamic · No fee10%fuel2Cashback Card
Mashreq · No fee5%dining3Cashback Credit Card
Al Hilal Bank · No fee5%dining4Titanium Cashback
RAKBANK · No fee5%dining5Elevate Credit Card
RAKBANK · No fee3.2%groceries6CBD ONE Card
Commercial Bank of Dubai · No fee2%cinema7Liv Tamayaz Platinum
Liv · No fee2%dining8CBD Titanium Mastercard
Commercial Bank of Dubai · No fee1.5%travel9Talabat ADCB Credit Card
ADCB · No fee1.25%travel10noon Credit Card
Mashreq · No fee1%dining11noon One Visa Credit Card
Emirates NBD · No fee1%groceries12Citi Simplicity
Citibank · No fee—
Points 24
First Abu Dhabi Bank · No fee15 ptsonline shopping2Ajman Bank Platinum
Ajman Bank · No fee10%online shopping3CBI First World Mastercard
Commercial Bank International · No fee10 ptscinema4ADIB SHARE Visa Infinite
Abu Dhabi Islamic Bank · No fee6 ptsdining5Rewards Indulge
First Abu Dhabi Bank · No fee5 pts (≈1.47%)online shopping6UAB Platinum Credit Card
United Arab Bank · No fee5 ptsgroceries7ADIB SHARE Visa Platinum
Abu Dhabi Islamic Bank · No fee3 ptsdining8Prime Infinite Card
Dubai Islamic Bank · No fee3 pts (≈1.5%)dining9Voyager World
Emirates NBD · No fee3%travel10Prime Signature
Dubai Islamic Bank · No fee2.5 pts (≈1.25%)dining11LuLu 247 Titanium Mastercard
Emirates NBD · No fee2%fuel12Prime Platinum Card
Dubai Islamic Bank · No fee2 pts (≈1%)dining13ADCB LuLu Platinum
ADCB · No fee1.25 pts (≈1.25%)dining14ADCB LuLu Titanium
ADCB · No fee1 pts (≈1%)dining15Al Masraf Platinum Credit Card
Al Masraf · No fee1%dining16Premier Credit Card
HSBC UAE · No fee1 pts (≈0.71%)dining17SHARE Visa Signature
Emirates NBD · No fee1%dining18U By Emaar Family Visa Card
Emirates NBD · No fee1%dining19Marriott Bonvoy World Mastercard
Emirates NBD · No fee0.82 ptstravel20Darna Select
Emirates NBD · No fee0.75%dining21SHARE Platinum
Emirates NBD · No fee0.75%dining22Prime Gold Card
Dubai Islamic Bank · No fee0.6 pts (≈0.3%)dining23Prime Classic Card
Dubai Islamic Bank · No fee0.5 pts (≈0.25%)dining24TouchPoints Titanium/Gold
ADCB · No fee0.5 pts (≈0.25%)dining
Miles 1
Cashback is a percentage of spend. Points and miles are shown the way each bank states them: as % back, or as points or miles per AED 1, with an approximate % value (≈) where the bank publishes what a point is worth. Miles and hotel points have no fixed cash value, so they are never converted. Cashback, points and miles are ranked separately. “—” means the bank publishes no category rate we can rank for that card.
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