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What Are The 2022 Best Credit Cards For Expats To Use In Dubai

What Are The 2022 Best Credit Cards For Expats To Use In Dubai – that will be the topic of today’s article.

Identifying the 2022 best credit cards for expats to use in Dubai  is essential for global credit management to ensure financial stability.

If you want to invest as an expat or high-net-worth individual, which is what i specialize in, you can email me (advice@adamfayed.com) or use WhatsApp (+44-7393-450-837).


Credit Cards For Expats To Use In Dubai—Credit cards have become vital for most expats in the UAE as e-commerce enterprises have grown in the region and the necessity for cashless transactions has increased over time. You will find an ideal credit card that meets your lifestyle and spending habits in Dubai, whether it is for shopping, travelling, or managing financial obligations. Many of these credit cards also come with extra benefits like reward points, exclusive memberships, and special discounts. Take a look at our extensive essay if you want to learn more about the perks of some of the best credit cards for expats in Dubai.

Best Credit Cards For Expats To Use In Dubai

Having a credit card makes life a lot easier, especially now that internet transactions and cashless payments are commonplace. As a result, banks in the UAE have launched specific cards to meet various purposes.

We recognise that picking the appropriate credit card can be difficult, especially because each credit card has its own set of unique features and perks. As a result, we’ve compiled a list of the best credit cards for expats living in Dubai. Choose from the finest cashback credit cards, travel credit cards, and credit cards with shopping and lifestyle perks.

The Best Credit Cards For Cashback

As the name implies, cashback cards allow you to get a specific proportion of each purchase in the form of cash. Some financial institutions provide cashback points that can be used for discounts and other incentives.

Standard Chartered Platinum Card

Standard Chartered Bank is one of the world’s most prestigious financial institutions. If you use a credit card frequently, the SC Platinum Card can save you money on things like groceries, movie tickets, school fees, utility bills, and more.

One percent cashback on local purchases and two percent payback on all foreign transactions are among the benefits. You can also get a 20% discount on three Careem rides each month by swiping the card.

RAKBANK Titanium Credit Card 

The RAKBank Titanium Credit Card is the second card on our list of the best credit cards for expats in Dubai. This card is chosen because of its extensive advantages and privileges. In fact, it has one of the most generous payback policies in the market.

This RAKBank card offers 5% reward on eating, petrol, and grocery purchases, as well as a 50% discount on movie tickets and a 30% discount on Careem rides. You can also use your card to gain entry to up to ten VIP airport lounges in Abu Dhabi, Dubai, Kuwait, Cairo, and Jordan.

Citi Cashback Credit Card 

This inclusion on our list provides a 2% reward on food purchases and a 1% cashback on all other purchases. Using a Citi Cashback Credit Card comes with perks like complimentary travel insurance and access to 850 airport lounges across the world.

Credit Cards With The Best Rewards

The best rewards credit cards on this list provide cardholders with lifestyle discounts, travel miles, and other benefits.

Hsbc Platinum Select Credit Card 

You can earn 1 air mile for every AED 3 spent with your HSBC Platinum Select Credit Card, as well as a 50% discount on VOX Cinemas movie tickets, a 30% discount on restaurants (selected outlets only), and a 15% discount on Careem rides.

Mashreq Smartsaver Credit Card

The SmartSaver Credit Card from Mashreq Bank is well-known for its generous cashback returns on purchases. Cashback is available at supermarkets, online shopping sites, and car rentals.

Customers can earn up to 8% cashback on food, fashion, and jewellery purchases, as well as up to 6% cashback on online purchases.

The Best Credit Cards For Traveling

If you travel frequently, you know how difficult it is to keep track of travel expenses. Booking hotels and plane tickets on a regular basis might drain your cash account. You can choose a travel credit card based on your travel needs, which will provide you with a variety of benefits such as free lounge access, travel miles, complimentary travel insurance, and air ticket savings.

Adib Etihad Guest Visa Platinum Card 

With the ADIB Etihad Guest Visa Platinum Card, frequent travellers can save a lot of money. For every AED 4 spend, you will receive 2.5 Etihad miles, which will come in handy while flying with Etihad Airways.

Access to airport lounges, free valet parking at certain malls in Dubai and Abu Dhabi, and other perks are available.

Emirates Nbd Titanium Card

You may use the Emirates NBD Titanium Card to gain admission to premium airport lounges all over the world. Furthermore, it provides savings at over 2,000 restaurants throughout the UAE, the Middle East, and Europe.

The ENBD Travel Desk also offers a 3% discount on air travel and a 7% discount on travel packages. This card is ideal for golfers because it offers a 40% fee reduction at some of the world’s best golf courses. In addition, all golf equipment purchases will receive a 15% discount. Free multi-trip travel insurance, extended warranty, credit shield, purchase protection, and 24/7 roadside assistance are among the card’s other features.

Cbd Al Islamic Visa Infinite Card

A trip reward worth AED 750 is given to all new customers who choose this credit card. You may earn reward points and exchange them for cash or flying miles. Another significant aspect is that there is no foreign currency fee for out-of-country expenses. When you travel, you enjoy free admission to the airport lounge. VOX Cinema tickets are available at a 50% discount in the UAE.

Union National Bank Titanium Credit Card

The Union National Bank Titanium credit card is another great option for expats in Dubai. It comes with a slew of perks. All new clients will receive a UNBmiles incentive of AED 500. When you spend AED 1 locally, you will receive 1.5 UNB miles, and on all foreign transactions made with the credit card, you will receive 3 UNBmiles. For three months, the money spent on vacation purchases is interest-free. In addition, the cared provides access to airport lounges in Kuwait, Saudi Arabia, Jordan, Egypt, and the United Arab Emirates.

Things To Think About Before Applying For A Credit Card

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What Are The 2022 Best Credit Cards For Expats To Use In Dubai 3

Before getting any type of credit card, it is advisable to do some homework. Here are some things to think about when applying for a credit card in Dubai.

Salary Expectations

For consumers who want to apply for credit cards, most banks have a minimum wage criterion. So, before calling the bank, look up their requirements on the internet. When it comes to getting your application approved, your location of employment might sometimes make a difference. In general, no single set of rules applies to all applications. As a result, a little amount of study goes a long way in determining the best card.

Rates Of Interest

Interest rates are another important element to think about. It is best to get credit cards with the lowest interest rates feasible.

Fees For A Year

How much will the credit card services cost you in the end? Learn more about the fees, particularly the tiny print. Before making a final decision, you must have all of the numbers correct.

Additional Fees

The bank may be able to waive the annual fees for a limited time, but there may be extra expenses. Before you choose a credit card, search for any hidden costs as a customer.

Exchange Rates/Foreign Currency

Most credit cards for expats in Dubai provide good foreign currency exchange rates. This could be a major deciding factor depending on how much you travel.

Advantages And Rewards

To learn more about the benefits of two to three credit cards, we recommend comparing them. When it comes to extra air miles, savings on airline tickets and bookings, and access to luxury airport lounges, for example, not all travel credit cards are created equal. Similarly, parents with school-aged children can purchase cards that provide annual tuition fee savings. Before making a decision, consider these advantages while bearing in mind the annual credit card cost.

Credit Card Application Documents Required

Documents required to proceed with a credit card application are typically requested.

Self-employed people must show proof of a consistent income. Please keep in mind that depending on the bank, these requirements may differ. Before applying for a credit card, make sure you verify the status of your UAE visa online to see if it is still valid.


In Dubai, all UAE residents aged 21 and over who have a valid Emirates ID can apply for a credit card. However, before applying for any credit card, you should double-check your eligibility.

What Card Should I Select

The answer to this question is contingent on your unique needs and financial constraints. Consider getting a credit card that offers premium lounge access and travel miles, for example, if you travel frequently. Get a credit card that offers you valuable rewards and privileges in the form of lifestyle discounts if you enjoy shopping and dining out.

What Is The Maximum Number Of Cards I Can Apply For At The Same Time

There is no set number or limit. You are permitted to hold many credit cards at the same time as long as you can handle them without negatively impacting your credit record.

Can I Use My Credit Card To Withdraw Cash?

Yes, you certainly can. However, keep in mind that this cash withdrawal is subject to fees.

Our list of the best credit cards for expats in Dubai comes to a close. What is it about your favourite credit card that you enjoy the most? Please leave your thoughts in the section below.

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