Guide · 5 min read
UAE credit cards with airport lounge access (October 2026)
91 UAE credit cards that include airport lounge visits, 25 of them with no annual fee. How many visits, guests and spend conditions, as each bank states them.
91 of the 114 cards in the CardMax catalogue list airport lounge access as a benefit. Below, each card’s lounge benefit is quoted the way its bank describes it, with cheaper cards first.
Quick answer. 25 cards with no annual fee include lounge visits. 27 cards offer unlimited visits. 14 tie visits to spending on the card, so read the condition before you fly.
No annual fee 25
| Card | Lounge access, as the bank describes it |
|---|---|
| 1. ADCB LuLu Platinum Annual fee: No fee · Min. salary: AED 5,000 | 4 airport lounge visits a year (Mastercard Travel Pass; needs a foreign purchase every 3 months) |
| 2. ADCB LuLu Titanium Annual fee: No fee · Min. salary: AED 5,000 | Airport lounge access Complimentary airport lounge access |
| 3. Abu Dhabi Islamic Bank ADIB SHARE Visa Infinite Annual fee: No fee · Min. salary: AED 15,000 | Lounge access |
| 4. Ajman Bank Platinum Annual fee: No fee · Min. salary: AED 8,000 | Lounge access |
| 5. Al Masraf Platinum Credit Card Annual fee: No fee · Min. salary: AED 10,000 | 25+ ME lounges |
| 6. Al Hilal Bank Cashback Credit Card Annual fee: No fee · Min. salary: AED 5,000 | Airport lounge access at 25+ lounges |
| 7. Commercial Bank of Dubai CBD ONE Card Annual fee: No fee · Min. salary: AED 5,000 | 8 airport lounge visits a year (Visa Airport Companion app) |
| 8. Commercial Bank International CBI First World Mastercard Annual fee: No fee · Min. salary: AED 8,000 | Unlimited access to 1,200+ airport lounges (Mastercard Travel Pass) |
| 9. RAKBANK Elevate Credit Card Annual fee: No fee · Min. salary: AED 35,000 | Access to 1,300+ airport lounges (needs a foreign purchase every 3 months) |
| 10. Emirates Islamic Emarati Card Annual fee: No fee · Min. salary: AED 12,000 | Unlimited access to 1,200+ airport lounges |
| 11. ADCB Essential Cashback Credit Card Annual fee: No fee · Min. salary: AED 5,000 | 4 airport lounge visits a year 4 complimentary airport lounge visits a year (25+ lounges, Mastercard Travel Pass) |
| 12. First Abu Dhabi Bank FAB du Platinum Annual fee: No fee · Min. salary: AED 10,000 | Airport lounge access if your flight is delayed |
| 13. Emirates NBD Marriott Bonvoy World Mastercard Annual fee: No fee · Min. salary: AED 12,000 | Lounge access Airport lounge access worldwide (Mastercard Travel Pass) |
| 14. HSBC UAE Premier Credit Card Annual fee: No fee · Min. salary: AED 40,000 | Unlimited lounge Airport lounge access (Mastercard Travel Pass) |
| 15. Dubai Islamic Bank Prime Gold Card Annual fee: No fee · Min. salary: AED 7,000 | Lounge |
| 16. Dubai Islamic Bank Prime Infinite Card Annual fee: No fee · Min. salary: AED 25,000 | Unlimited lounge Airport lounge access (Visa Airport Companion app; spend criteria apply, else US$ 32 a visit) |
| 17. Dubai Islamic Bank Prime Platinum Card Annual fee: No fee · Min. salary: AED 10,000 | Lounge |
| 18. Dubai Islamic Bank Prime Signature Annual fee: No fee · Min. salary: AED 15,000 | 1,200+ lounge access Airport lounge access (Visa Airport Companion app; spend criteria apply, else US$ 32 a visit) |
| 19. First Abu Dhabi Bank Rewards Indulge Annual fee: No fee · Min. salary: AED 8,000 | Airport lounge access worldwide |
| 20. Emirates NBD SHARE Platinum Annual fee: No fee · Min. salary: AED 15,000 | 12 lounge visits |
| 21. Emirates NBD SHARE Visa Signature Annual fee: No fee · Min. salary: AED 12,000 | Lounge access Airport lounge access (Visa Airport Companion app) |
| 22. ADCB Talabat ADCB Credit Card Annual fee: No fee · Min. salary: AED 5,000 | 4 airport lounge visits a year |
| 23. ADCB TouchPoints Titanium/Gold Annual fee: No fee · Min. salary: AED 8,000 | Lounge |
| 24. United Arab Bank UAB Platinum Credit Card Annual fee: No fee · Min. salary: AED 10,000 | Lounge Airport lounge access (Mastercard Travel Pass) |
| 25. Emirates NBD Voyager World Annual fee: No fee · Min. salary: AED 12,000 | Lounge Airport lounge access worldwide (Mastercard Travel Pass) |
With an annual fee 66
| Card | Lounge access, as the bank describes it |
|---|---|
| 1. Abu Dhabi Islamic Bank ADIB Cashback Platinum Annual fee: AED 99 · Min. salary: AED 5,000 | Lounge access |
| 2. First Abu Dhabi Bank FAB Z Card Annual fee: AED 105 · Min. salary: AED 5,000 | Free airport lounge access |
| 3. RAKBANK RAKislamic World Credit Card Annual fee: AED 200 · Min. salary: AED 20,000 | Lounge |
| 4. Emirates NBD Go4it Platinum Annual fee: AED 208.95 · Min. salary: AED 12,000 | Airport lounge |
| 5. Emirates NBD U By Emaar Visa Signature Annual fee: AED 262.5 · Min. salary: AED 10,000 | Lounge |
| 6. Emirates Islamic Cashback Plus Annual fee: AED 299 · Min. salary: AED 5,000 | Access to 1,200+ airport lounges for you and a guest (needs a foreign purchase before travel, else USD 32) |
| 7. Emirates Islamic Skywards Signature Annual fee: AED 299 · Min. salary: AED 8,000 | Unlimited access to 1,200+ airport lounges with a guest |
| 8. Citibank Citi Cashback Card Annual fee: AED 300 · Min. salary: AED 8,000 | 1,200+ lounges Global airport lounge access |
| 9. First Abu Dhabi Bank FAB Islamic Cashback Credit Card Annual fee: AED 300 · Min. salary: AED 5,000 | Free airport lounge access worldwide |
| 10. Emirates NBD Mastercard Platinum Annual fee: AED 300 · Min. salary: AED 8,000 | Airport lounge access · Golf discounts · 3% off air tickets · 0% installments Airport lounge access (Mastercard Travel Pass) |
| 11. HSBC UAE Live+ Credit Card Annual fee: AED 313.95 · Min. salary: AED 7,500 | 12 airport lounge visits a year (needs 1 foreign purchase a year) |
| 12. Emirates NBD Darna Signature Annual fee: AED 315 · Min. salary: AED 12,000 | Lounge Airport lounge access (Visa Airport Companion app) |
| 13. First Abu Dhabi Bank FAB Cashback Annual fee: AED 315 · Min. salary: AED 5,000 | Free airport lounge access |
| 14. First Abu Dhabi Bank FAB Rewards Active Credit Card Annual fee: AED 315 · Min. salary: AED 5,000 | 4 airport lounge visits a year (spend USD 1 abroad first) |
| 15. RAKBANK Air Arabia Annual fee: AED 400 · Min. salary: AED 5,000 | 1,200+ lounge access |
| 16. Commercial Bank of Dubai CBD Super Saver Annual fee: AED 420 · Min. salary: AED 5,000 | 8 lounge visits 8 airport lounge visits a year (Visa Airport Companion app) |
| 17. Ruya Community Islamic Bank Ruya Max Annual fee: AED 480 · Min. salary: No minimum listed | Lounge access |
| 18. Emirates NBD dnata Mastercard Platinum Annual fee: AED 525 · Min. salary: AED 12,000 | Lounge access Airport lounge access worldwide (Mastercard Travel Pass) |
| 19. Dubai Islamic Bank Emirates Skywards DIB Platinum Annual fee: AED 525 · Min. salary: AED 8,000 | Lounge |
| 20. Dubai Islamic Bank SHAMS Platinum Annual fee: AED 525 · Min. salary: AED 10,000 | 4 lounge visits |
| 21. First Abu Dhabi Bank FAB Emirati Islamic Annual fee: AED 600 · Min. salary: AED 10,000 | Access to 1,200+ airport lounges |
| 22. ADCB TouchPoints Platinum Annual fee: AED 630 · Min. salary: AED 5,000 | 4 lounge visits 4 airport lounge visits a year |
| 23. American Express The Gold Card Annual fee: AED 675 · Min. salary: AED 23,000 | Lounge access 8 Priority Pass lounge visits a year for you and 1 supplementary cardholder |
| 24. Emirates NBD Emirates Skywards Signature Annual fee: AED 735 · Min. salary: AED 10,000 | 8 lounge visits Access to 1,000+ airport lounges (Visa Airport Companion app) |
| 25. Emirates NBD Etihad Guest Inspire Annual fee: AED 735 · Min. salary: AED 10,000 | Lounge 8x/yr |
| 26. Emirates NBD Visa Platinum Credit Card Annual fee: AED 735 · Min. salary: AED 12,000 | Lounge |
| 27. Al Hilal Bank Al Hilal Etihad Guest Signature Annual fee: AED 787 · Min. salary: AED 15,000 | Lounge access |
| 28. United Arab Bank UAB Titanium Credit Card Annual fee: AED 787.5 · Min. salary: AED 6,000 | Regional airport lounge access |
| 29. Emirates NBD Duo Credit Card Annual fee: AED 840 · Min. salary: AED 8,000 | Lounge Lounge access worldwide with the Diners Club and Mastercard cards |
| 30. RAKBANK World Mastercard Annual fee: AED 997.5 · Min. salary: AED 20,000 | 1,200+ lounges |
| 31. Emirates Islamic Skywards Black Annual fee: AED 999 · Min. salary: AED 20,000 | Unlimited ME lounge Unlimited access to 1,200+ airport lounges with a guest |
| 32. Emirates Islamic Skywards Infinite Annual fee: AED 999 · Min. salary: AED 15,000 | Lounge Unlimited access to 1,200+ airport lounges with a guest |
| 33. Al Masraf World Elite Mastercard Annual fee: AED 1,000 · Min. salary: AED 15,000 | Priority Pass lounge Enhanced lounge access worldwide |
| 34. Emirates NBD dnata World Credit Card Annual fee: AED 1,048.95 · Min. salary: AED 20,000 | 900+ lounges |
| 35. HSBC UAE Cash+ Card Annual fee: AED 1,050 · Min. salary: AED 30,000 | Unlimited lounge Airport lounge access (Visa Airport Companion app) |
| 36. HSBC UAE Emirates Skywards Signature Annual fee: AED 1,050 · Min. salary: AED 15,000 | 12 lounge visits 12 airport lounge visits a year (needs 1 foreign purchase a year) |
| 37. Dubai Islamic Bank SHAMS Signature Annual fee: AED 1,050 · Min. salary: AED 15,000 | 8 lounge visits Airport lounge access (spend criteria apply, else US$ 32 a visit) |
| 38. ADCB TouchPoints Infinite Annual fee: AED 1,050 · Min. salary: AED 30,000 | Unlimited lounge + guest Unlimited airport lounge visits, plus 1 guest per visit |
| 39. United Arab Bank UAB World Mastercard Annual fee: AED 1,050 · Min. salary: AED 25,000 | Airport lounge access (Mastercard Travel Pass) |
| 40. First Abu Dhabi Bank FAB Elite Annual fee: AED 1,260 · Min. salary: AED 50,000 | Unlimited lounge + guest Free airport lounge access |
| 41. Citibank Citi Prestige Annual fee: AED 1,500 · Min. salary: AED 30,000 | Unlimited lounge + guests 14 airport lounge visits a year (needs foreign spend) |
| 42. Emirates NBD SHARE Infinite Annual fee: AED 1,500 · Min. salary: AED 30,000 | Unlimited lounge + guest Airport lounge access (Visa Airport Companion app) |
| 43. Emirates NBD Darna Infinite Annual fee: AED 1,575 · Min. salary: AED 20,000 | Unlimited lounge Airport lounge access (Visa Airport Companion app) |
| 44. Dubai Islamic Bank Emirates Skywards Signature Annual fee: AED 1,575 · Min. salary: AED 15,000 | 1,200+ lounge access Airport lounge access (Visa Airport Companion app; spend criteria apply) |
| 45. Emirates NBD Etihad Guest Elevate Annual fee: AED 1,575 · Min. salary: AED 15,000 | Lounge |
| 46. First Abu Dhabi Bank FAB Travel Card Annual fee: AED 1,575 · Min. salary: AED 15,000 | Global lounge + 2 guests 14 airport lounge visits a year, plus 1 guest |
| 47. Emirates NBD Marriott Bonvoy World Elite Mastercard Annual fee: AED 1,575 · Min. salary: AED 20,000 | Lounge Airport lounge access worldwide (Mastercard Travel Pass) |
| 48. Emirates NBD Priority Banking Infinite Annual fee: AED 1,575 · Min. salary: AED 30,000 | Unlimited lounge |
| 49. Emirates NBD SHARE Visa Private Annual fee: AED 1,575 · Min. salary: AED 50,000 | Unlimited lounge Airport lounge access (Visa Airport Companion app) |
| 50. Emirates NBD Skywards Infinite Annual fee: AED 1,575 · Min. salary: AED 30,000 | Unlimited lounge + guest Access to 1,000+ airport lounges (Visa Airport Companion app) |
| 51. Mashreq Solitaire Annual fee: AED 1,575 · Min. salary: AED 25,000 | Unlimited lounge Access to 1,000+ airport lounges |
| 52. ADCB Traveller Credit Card Annual fee: AED 1,575 · Min. salary: AED 20,000 | 14 lounge visits 14 airport lounge visits a year, plus 1 guest per visit |
| 53. Emirates NBD U By Emaar Visa Infinite Annual fee: AED 1,575 · Min. salary: AED 15,000 | Unlimited lounge |
| 54. Standard Chartered Visa Infinite Annual fee: AED 1,575 · Min. salary: AED 25,000 | Unlimited lounge Unlimited lounge visits for you and a guest (Visa Airport Companion app; needs 1 foreign purchase) |
| 55. Emirates NBD Visa Infinite Credit Card Annual fee: AED 1,575 · Min. salary: AED 15,000 | Lounge Access to 1,000+ airport lounges (Visa Airport Companion app) |
| 56. Emirates NBD Voyager World Elite Annual fee: AED 1,575 · Min. salary: AED 25,000 | Unlimited lounge |
| 57. Dubai Islamic Bank SHAMS Infinite Annual fee: AED 2,000 · Min. salary: AED 30,000 | 12 lounge + guest Airport lounge access (spend criteria apply, else US$ 32 a visit) |
| 58. ADCB Betaqti Annual fee: AED 2,100 · Min. salary: AED 10,000 | Unlimited lounge + 1 guest 14 airport lounge visits a year, plus 1 guest per visit |
| 59. Emirates NBD Darna Infinite Privilege Annual fee: AED 2,625 · Min. salary: AED 40,000 | Airport lounge access worldwide (Visa Airport Companion app) |
| 60. Dubai Islamic Bank Emirates Skywards DIB Infinite Annual fee: AED 2,625 · Min. salary: AED 20,000 | Unlimited lounge Airport lounge access (Visa Airport Companion app; spend criteria apply) |
| 61. HSBC UAE Emirates Skywards Infinite Annual fee: AED 2,625 · Min. salary: AED 30,000 | Unlimited lounge Unlimited lounge access at 1,200+ airports for you and a guest |
| 62. First Abu Dhabi Bank FAB Etihad Guest Infinite Annual fee: AED 2,625 · Min. salary: AED 30,000 | Unlimited lounge Unlimited airport lounge access |
| 63. American Express The Platinum Card Annual fee: AED 2,760 · Min. salary: AED 30,700 | Centurion + Priority Pass lounges 1,550+ lounges worldwide |
| 64. Abu Dhabi Islamic Bank ADIB Etihad Guest Infinite Annual fee: AED 3,000 · Min. salary: AED 30,000 | Unlimited lounge Airport lounge access for you plus 1 guest |
| 65. Citibank Citi Ultima Annual fee: AED 5,250 · Min. salary: AED 36,750 | Unlimited lounge Airport lounge access and airport fast track (Mastercard Travel Pass) |
| 66. Dubai First Royale Mastercard Annual fee: AED 5,250 · Min. salary: AED 30,000 | Unlimited lounge |
Benefits and store offers are quoted as each bank describes them, verified October 2026. They change often, so check the card page and the bank’s terms.
Frequently asked questions
Which UAE credit cards give free airport lounge access?
91 of the 114 cards we track list airport lounge access as a benefit. 25 of them have no annual fee, including ADCB LuLu Platinum, ADCB LuLu Titanium, Abu Dhabi Islamic Bank ADIB SHARE Visa Infinite, Ajman Bank Platinum and 21 more.
Which cards give unlimited lounge visits?
Commercial Bank International CBI First World Mastercard, Emirates Islamic Emarati Card, HSBC UAE Premier Credit Card, Dubai Islamic Bank Prime Infinite Card, Emirates Islamic Skywards Signature, Emirates Islamic Skywards Black, Emirates Islamic Skywards Infinite, HSBC UAE Cash+ Card, ADCB TouchPoints Infinite, First Abu Dhabi Bank FAB Elite, Citibank Citi Prestige, Emirates NBD SHARE Infinite, Emirates NBD Darna Infinite, Emirates NBD Priority Banking Infinite, Emirates NBD SHARE Visa Private, Emirates NBD Skywards Infinite, Mashreq Solitaire, Emirates NBD U By Emaar Visa Infinite, Standard Chartered Visa Infinite, Emirates NBD Voyager World Elite, ADCB Betaqti, Dubai Islamic Bank Emirates Skywards DIB Infinite, HSBC UAE Emirates Skywards Infinite, First Abu Dhabi Bank FAB Etihad Guest Infinite, Abu Dhabi Islamic Bank ADIB Etihad Guest Infinite, Citibank Citi Ultima and Dubai First Royale Mastercard list unlimited visits. Most cards give a set number of visits a year.
Do I need to spend on the card to use the lounge?
On some cards, yes. 14 cards on this list tie lounge visits to card spending, such as a minimum spend or a recent purchase. The condition is shown next to each card where the bank states it.
Can I bring a guest?
16 cards on this list mention guest visits. On the rest, assume the visit is for the cardholder only unless the bank says otherwise.
Keep going
- Emirates Skywards vs Etihad Guest credit cards
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- The CardMax app: the best of your own cards at every shop
- Are annual fees worth it?
Figures come from the CardMax catalogue of 114 UAE credit cards, taken from each bank’s published terms and checked up to 25 Oct 2026. They update automatically whenever the catalogue changes. Terms change often, so confirm on the bank’s site before you apply. How we rank.