Top 10 Credit Cards in the UAE for 2020

A credit card offers you many conveniences and benefits. Card carriers have more purchasing power, wherein they can make purchases despite not carrying cash. Also, credit cards are known for their rewards programs, including cash back and travel miles. You can choose your preferred card based on your lifestyle; are you a frequent traveler? Do you enjoy fine dining and shopping? Do you consider family outings a crucial part of your weekend? These are all some of the essential aspects that you must think about when choosing a credit card.

Shop online: You can safely shop online using your credit card. Most websites save your information, so you don’t have to fill it every time you make a purchase. You don’t need to worry about fraud as credit cards come with complicated layers of protection.

Carry less cash: There is no need to worry about theft or losing your money accidentally when using credit as your primary payment method.

Great exchange rates: You can make purchases almost anywhere in the world using your credit card with high exchange rates in nearly every currency. A travel credit card is perfect for frequent travelers, those going on business trips, and even families going on vacation abroad. Not to mention that it is significantly safer to travel with less cash in your wallet.

Get a positive credit score: Paying your full credit card balance when it is due will help you get a good credit score, which is highly beneficial if you wish to apply for an automobile loan, home loan, or even a personal loan.

Cashback: Cashback cards return the money from your purchase back to your account, depending on your card’s cashback rate, you can save as you shop.

Rewards: Many credit cards offer great rewards points. You can get points by buying groceries, clothes, flight tickets, and so much more, depending on where you shop.

To make your decision easier, here is a list of the best 10 credit cards in the UAE for 2020:

1. Standard Chartered Platinum Card
   Up to 10% cashback in grocery stores.
   Up to 10% cashback on school fees.
   Up to 10% cashback on utility payments.
   20% off 3 Careem rides per month.
2. Mashreq SmartSaver Credit Card
   Free travel insurance.
   Up to 8% cash back on groceries, fashion, jewelry, etc.
   Up to 6% cashback on online purchases.
   0.5% cashback on every dirham spent in the UAE.
   1% cashback on every dirham spent outside the UAE.
3. RAKBANK Titanium Credit Card
   Up to 50% cashback on cinemas.
   5% cashback on supermarkets, dining, and petrol.
   2% cashback on domestic and international retail purchases, internet transactions, and global cash advances.
   Unlimited complimentary access to over 10 VIP lounges at various airports (Dubai, Abu Dhabi, Cairo, Kuwait, and Jordan).
4. Emirates NBD Titanium Credit Card
   40% discount in over 100 golf courses across the world.
   Airport lounge access.
   Discounts on flight tickets and holiday packages.
   Redeemable vouchers for every AED 100 retail purchase on your card, earn 1 Plus Points.
5. FAB Platinum Visa Credit Card
   Earn up to 1.75 FAB Stars for every AED 1 spent.
   Lifestyle benefits such as discounts on movies and access to fitness clubs.
   Travel benefits, such as airport transportation and lounge access.
   Complimentary travel insurance when purchasing tickets using the card.
6. ADCB Touchpoints Infinite Card
   1.5 touchpoints per 1 AED spent using the card.
   Bonus touchpoints of 15,000 upon spending AED 15K every month.
   Free 2-night stays at selected hotels.
   Buy 1, Get 1 free on movie tickets.
   Get a free coffee at Caribou Coffee.
   50% OFF on Careem rides during weekends.
7. Mashreq Novo Credit Card
   50% discount on up to 8 movie tickets per month.
   Chance to get free travel insurance.
   Free access to airport lounges across the Middle East.
8. SimplyLife Cashback Credit Card
   1% cashback on all the purchases made using the card.
   2 free movie tickets every month.
   Free access to airport lounges in Dubai and Abu Dhabi.
9. ADCB Traveller Card
   20% off on flight tickets.
   20% off on hotel reservations.
   Up to 6 free night stays at selected hotels worldwide.
   Free access to airport lounges.
   Earn 2 touchpoints per 1 AED spent using the card.
10. HSBC Platinum Select Credit Cards
    30% off at selected restaurants.
    15% off on Careem rides.
    50% off on movie tickets at VOX Cinemas in the UAE.
    Earn 1 Air Mile for every AED 4 spent on the card.

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This report/news/ranking/statistics has been prepared only for general guidance on matters of interest and does not constitute professional advice. You should not act upon the information contained in this publication without obtaining specific professional advice. No representation or warranty (express or implied) is given as to the accuracy or completeness of the information contained in this publication, and, to the extent permitted by law, CEOWORLD magazine does not accept or assume any liability, responsibility or duty of care for any consequences of you or anyone else acting, or refraining to act, in reliance on the information contained in this publication or for any decision based on it.

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