In the UAE, credit cards have evolved beyond mere payment tools; they have become gateways to a plethora of rewards and benefits. Whether you’re a frequent traveler, a shopping enthusiast, or someone who enjoys dining out, there’s a rewards credit card tailored for you. Here’s a curated list of the top 10 rewards credit cards in the UAE for 2025, designed to maximize your spending power.
1. RAKBANK Emirates Skywards World Elite Mastercard
Annual Fee: AED 1,499
Highlights:
Earn up to 1.75 Skywards Miles per USD 1 spent.
Complimentary access to over 1,000 airport lounges worldwide.
Fast-track to Emirates Skywards Silver status after spending AED 180,000 annually.
Welcome bonus of 160,000 Skywards Miles upon meeting minimum spend criteria.
Ideal for: Frequent travelers seeking premium benefits and extensive lounge access.
2. Emirates NBD Skywards Infinite Credit Card
Annual Fee: AED 2,500
Highlights:
Earn up to 1.5 Skywards Miles per USD 1 spent.
Complimentary access to over 1,000 airport lounges worldwide.
Exclusive discounts on dining, travel, and entertainment.
Complimentary travel insurance and concierge services.
Ideal for: High spenders desiring luxury perks and comprehensive travel benefits.
3. FAB Etihad Guest Infinite Credit Card
Annual Fee: AED 2,500
Highlights:
Earn up to 1.5 Etihad Guest Miles per USD 1 spent.
Complimentary access to over 1,000 airport lounges globally.
Complimentary travel insurance and concierge services.
Exclusive discounts on dining, travel, and entertainment.
Ideal for: Etihad Airways frequent flyers seeking enhanced travel experiences.
4. Citi PremierMiles Credit Card
Annual Fee: AED 1,200
Highlights:
Earn 1.25 Citi Miles per USD 1 spent.
Miles can be redeemed for flights, hotel stays, and more.
Complimentary access to over 1,000 airport lounges worldwide.
Exclusive dining and shopping offers.
Ideal for: Travelers looking for flexible mile redemption options and lounge access.
5. HSBC Premier World Elite Mastercard
Annual Fee: AED 2,500
Highlights:
Earn 1.5 HSBC Rewards points per USD 1 spent.
Points can be redeemed for flights, hotel stays, and more.
Complimentary access to over 1,000 airport lounges globally.
Exclusive discounts on dining, travel, and entertainment.
Ideal for: High-net-worth individuals seeking premium rewards and benefits.
6. Standard Chartered Ultimate Credit Card
Annual Fee: AED 1,500
Highlights:
Earn 1.5 Rewards points per USD 1 spent.
Points can be redeemed for flights, hotel stays, and more.
Complimentary access to over 1,000 airport lounges worldwide.
Exclusive dining and shopping offers.
Ideal for: Individuals seeking a balance between rewards and lifestyle benefits.
7. ADCB Traveller Credit Card
Annual Fee: AED 1,000
Highlights:
Earn 1.5 ADCB TouchPoints per USD 1 spent.
TouchPoints can be redeemed for flights, hotel stays, and more.
Complimentary access to over 1,000 airport lounges globally.
Exclusive discounts on dining, travel, and entertainment.
Ideal for: Travelers looking for a cost-effective card with valuable rewards.
8. RAKBANK Titanium Credit Card
Annual Fee: AED 350
Highlights:
Earn up to 1.5 RAKrewards points per AED 1 spent.
Points can be redeemed for flights, hotel stays, and more.
Complimentary access to over 1,000 airport lounges worldwide.
Exclusive dining and shopping offers.FAB Bank+15adelaidenow.com.au+15Emirates Islamic+15
Ideal for: Budget-conscious individuals seeking rewarding benefits.
9. Mashreq Platinum Elite Credit Card
Annual Fee: AED 1,000
Highlights:
Earn up to 1.5 Mashreq Salaam points per USD 1 spent.
Points can be redeemed for flights, hotel stays, and more.
Complimentary access to over 1,000 airport lounges globally.
Exclusive dining and shopping offers.
Ideal for: Individuals seeking a blend of rewards and lifestyle benefits.
10. Dubai First Royale Credit Card
Annual Fee: AED 2,500
Highlights:
Earn 1 Royale point per USD 1 spent.
Points can be redeemed for flights, hotel stays, and more.
Complimentary access to over 1,000 airport lounges worldwide.
Exclusive concierge services and lifestyle benefits.
Ideal for: High-net-worth individuals seeking elite privileges and rewards.
Conclusion
Selecting the right rewards credit card in the UAE depends on your spending habits, travel preferences, and desired benefits. Whether you’re looking for extensive lounge access, generous miles accumulation, or exclusive lifestyle perks, the above-listed credit cards offer a range of options to suit diverse needs. Always consider the annual fee, rewards rate, and additional benefits to ensure you choose the card that aligns best with your financial goals.
Note: All information is based on the latest available data as of August 2025. Terms and conditions apply; please refer to the respective bank’s website for the most up-to-date details.
