Guide · 5 min read
No annual fee credit cards in the UAE: the full list (October 2026)
All 37 UAE credit cards we track that charge no annual fee, grouped by cashback, points and miles, with each card’s best rate, minimum salary and small print.
37 of the 114 credit cards in the CardMax catalogue charge no annual fee: 12 cashback, 24 points and 1 miles cards, from 17 of the 21 banks we track.
Free in year one is not free. Only cards with no annual fee at all are listed. A card that’s free for the first year only, or only if you spend enough, isn’t on this list.
Cashback cards 12
| Card | Best rate |
|---|---|
| 1. Emirates Islamic RTA Credit Card Annual fee: No fee · Min. salary: AED 3,000 Small print: No cashback unless AED 1,000 is posted to the statement for the month. 10% on fuel and RTA is capped at AED 75 each a month (Emirates Islamic). | 10%fuel |
| 2. Mashreq Cashback Card Annual fee: No fee · Min. salary: AED 5,000 Small print: 5% local & international dining — no cap · No minimum spend required | 5%dining |
| 3. Al Hilal Bank Cashback Credit Card Annual fee: No fee · Min. salary: AED 5,000 Small print: 5% only on the 2 categories you choose. Pick from grocery, education, fuel, international and dining; everything else earns 1%. Capped at AED 500 a month (Al Hilal Bank). | 5%dining |
| 4. RAKBANK Titanium Cashback Annual fee: No fee · Min. salary: AED 8,000 Small print: Min AED 3k/mo spend for boosted rate · No cashback in a month you spend under AED 2,000. Each category is capped at AED 100 a month, with supermarkets, dining, cinema and streaming AED 400 combined (RAKBANK). | 5%dining |
| 5. RAKBANK Elevate Credit Card Annual fee: No fee · Min. salary: AED 35,000 Small print: Rate depends on your monthly spend tier. There are three tiers (Prime, Plus, Privilege); Prime needs AED 5,000 a month and earns 2 RAKrewards per AED (RAKBANK). | 3.2%groceries |
| 6. Commercial Bank of Dubai CBD ONE Card Annual fee: No fee · Min. salary: AED 5,000 Small print: Cashback at selected merchants only if you meet CBD's AED 5,000 spend criteria. Capped at AED 135 a month (CBD). | 2%cinema |
| 7. Liv Tamayaz Platinum Annual fee: No fee · Min. salary: AED 5,000 | 2%dining |
| 8. ADCB Talabat ADCB Credit Card Annual fee: No fee · Min. salary: AED 5,000 Small print: 10% back in Talabat Credits on Talabat orders (Talabat only) · 35% back on talabat needs AED 2,500 spend in the month; otherwise 1.25%. It applies to the first 10 orders a month, up to AED 35 each (AED 350 a month), paid as talabat credit (ADCB). | 1.25%dining |
| 9. ADCB Essential Cashback Credit Card Annual fee: No fee · Min. salary: AED 5,000 Small print: 1% cashback, 1.25% on all eligible spend in a month you spend AED 5,000 or more · No cashback in a month you spend under AED 1,000. 1% cashback, 1.25% from AED 5,000 a month; 0.75% on supermarkets, fuel, utilities, government, telecom, Salik, transport, education and insurance. Capped at AED 1,000 a month (ADCB). | 1%dining |
| 10. Mashreq noon Credit Card Annual fee: No fee · Min. salary: AED 5,000 Small print: 1% general dining; noon app boosted | 1%dining |
| 11. Emirates NBD noon One Visa Credit Card Annual fee: No fee · Min. salary: AED 5,000 Small print: up to 5% noon Credits at noon Food / noon Minutes (noon only) · noon credits capped at AED 2,000 a month. Other spend earns up to 1% (Emirates NBD). | 1%dining |
| 12. Citibank Citi Simplicity Annual fee: No fee · Min. salary: AED 5,000 | No category rate stated |
Points cards 24
| Card | Best rate |
|---|---|
| 1. Ajman Bank Platinum Annual fee: No fee · Min. salary: AED 8,000 · earns Ajman Bank Reward Points | 10%online shopping |
| 2. Emirates NBD Voyager World Annual fee: No fee · Min. salary: AED 12,000 · earns ENBD Reward Points | 3%travel |
| 3. Emirates NBD LuLu 247 Titanium Mastercard Annual fee: No fee · Min. salary: AED 5,000 · earns LuLu Points | 2%fuel |
| 4. Dubai Islamic Bank Prime Infinite Card Annual fee: No fee · Min. salary: AED 25,000 · earns Wala'a Rewards | 3 pts (≈1.5%)dining |
| 5. First Abu Dhabi Bank Rewards Indulge Annual fee: No fee · Min. salary: AED 8,000 · earns FAB Rewards Small print: 6% cashback dining — capped AED 200/mo | 5 pts (≈1.47%)online shopping |
| 6. ADCB LuLu Platinum Annual fee: No fee · Min. salary: AED 5,000 · earns LuLu Points | 1.25 pts (≈1.25%)dining |
| 7. Dubai Islamic Bank Prime Signature Annual fee: No fee · Min. salary: AED 15,000 · earns Wala'a Rewards | 2.5 pts (≈1.25%)dining |
| 8. ADCB LuLu Titanium Annual fee: No fee · Min. salary: AED 5,000 · earns LuLu Points | 1 pts (≈1%)dining |
| 9. Al Masraf Platinum Credit Card Annual fee: No fee · Min. salary: AED 10,000 · earns Al Masraf Reward Points | 1%dining |
| 10. Dubai Islamic Bank Prime Platinum Card Annual fee: No fee · Min. salary: AED 10,000 · earns Wala'a Rewards | 2 pts (≈1%)dining |
| 11. Emirates NBD SHARE Visa Signature Annual fee: No fee · Min. salary: AED 12,000 · earns SHARE Points Small print: Min AED 3,000/mo spend | 1%dining |
| 12. Emirates NBD U By Emaar Family Visa Card Annual fee: No fee · Min. salary: AED 5,000 · earns U By Emaar Points | 1%dining |
| 13. Emirates NBD Darna Select Annual fee: No fee · Min. salary: AED 5,000 · earns ENBD Plus Points | 0.75%dining |
| 14. Emirates NBD SHARE Platinum Annual fee: No fee · Min. salary: AED 15,000 · earns SHARE Points Small print: 4% back as SHARE Points at Majid Al Futtaim (Carrefour, City Centre malls, VOX), plus up to 3% more through the SHARE app | 0.75%dining |
| 15. HSBC UAE Premier Credit Card Annual fee: No fee · Min. salary: AED 40,000 · earns HSBC Points | 1 pts (≈0.71%)dining |
| 16. Dubai Islamic Bank Prime Gold Card Annual fee: No fee · Min. salary: AED 7,000 · earns Wala'a Rewards | 0.6 pts (≈0.3%)dining |
| 17. Dubai Islamic Bank Prime Classic Card Annual fee: No fee · Min. salary: AED 5,000 · earns Wala'a Rewards | 0.5 pts (≈0.25%)dining |
| 18. ADCB TouchPoints Titanium/Gold Annual fee: No fee · Min. salary: AED 8,000 · earns ADCB TouchPoints | 0.5 pts (≈0.25%)dining |
| 19. First Abu Dhabi Bank FAB du Platinum Annual fee: No fee · Min. salary: AED 10,000 · earns FAB Rewards | 15 ptsonline shopping |
| 20. Commercial Bank International CBI First World Mastercard Annual fee: No fee · Min. salary: AED 8,000 · earns CBI Reward Points | 10 ptscinema |
| 21. Abu Dhabi Islamic Bank ADIB SHARE Visa Infinite Annual fee: No fee · Min. salary: AED 15,000 · earns SHARE Points | 6 ptsdining |
| 22. United Arab Bank UAB Platinum Credit Card Annual fee: No fee · Min. salary: AED 10,000 · earns UAB Reward Points | 5 ptsgroceries |
| 23. Abu Dhabi Islamic Bank ADIB SHARE Visa Platinum Annual fee: No fee · Min. salary: AED 8,000 · earns SHARE Points | 3 ptsdining |
| 24. Emirates NBD Marriott Bonvoy World Mastercard Annual fee: No fee · Min. salary: AED 12,000 · earns Marriott Bonvoy Points | 0.82 ptstravel |
Miles cards 1
| Card | Best rate |
|---|---|
| 1. Emirates Islamic Emarati Card Annual fee: No fee · Min. salary: AED 12,000 · earns EI SmartMiles | 3.75 milestravel |
Each card is placed by its highest published category rate, shown on the right with the category it applies to. That rate usually covers one kind of spending, so open the card page to see every rate. Points and miles are shown as each bank states them and are never converted into cashback.
The same cards, with card images, are on best no-annual-fee credit cards.
Before you apply
- Check the salary requirement. A free card still has a minimum salary, shown under each card.
- Check the small print. Free cards can still have caps or a minimum monthly spend before cashback is paid.
- Other charges still apply. No annual fee doesn’t mean no interest, late-payment or foreign-currency charges. Check the bank’s fee schedule.
Frequently asked questions
How many UAE credit cards have no annual fee?
37 of the 114 cards we track, from 17 banks: 12 cashback, 24 points and 1 miles.
Which no-annual-fee card pays the most cashback?
By its best category, the Emirates Islamic RTA Credit Card: 10% on fuel. Its small print: “No cashback unless AED 1,000 is posted to the statement for the month. 10% on fuel and RTA is capped at AED 75 each a month (Emirates Islamic)”. The best free card for you depends on where you spend, so check the category guides or the card picker.
What is the lowest salary for a no-annual-fee card?
The lowest stated minimum salary among these cards is AED 3,000 a month (Emirates Islamic RTA Credit Card).
Is a free card always better than one with a fee?
No. A card with a fee can earn more than it costs if you spend enough in its best categories. See are annual fees worth it? for the break-even sum, or let Card Match work it out after the fee.
Keep going
- Best no-annual-fee credit cards
- Card Match: tell us how you spend and see which card pays you most
- The CardMax app: the best of your own cards at every shop
- Are annual fees worth it?
- The best card for each category, on one page
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.