Looking for the best credit card in the UAE with no annual fee? Here’s your ultimate guide to top picks that combine savings, rewards, and convenience—all without the yearly cost.
If you’re living in the UAE and searching for a credit card that won’t charge you an annual fee, you’re in luck. Banks across the Emirates offer a variety of no-annual-fee credit cards that cater to different lifestyles—whether you’re a frequent traveler, a savvy shopper, or someone just looking to build credit without extra costs. Let’s dive into the best options available in 2025 and what makes them stand out.
Why Choose a No Annual Fee Credit Card?
Before we explore the top contenders, it’s worth understanding why a no-annual-fee credit card is a smart choice. These cards help you:
- Save money by eliminating yearly charges.
- Build your credit history without added costs.
- Access rewards and perks like cashback, travel benefits, and discounts.
- Enjoy flexibility with balance transfers and interest-free periods.
Whether you’re a student, a salaried employee, or a business owner, there’s a card tailored to your financial needs.
Top No Annual Fee Credit Cards in the UAE (2025)
Here are some of the most popular and feature-rich credit cards in the UAE that come with zero annual fees:
🏆 ADCB Lulu Platinum Credit Card as a Best Credit Card in the UAE with No Annual Fee
- Minimum Salary: AED 15,000
- Interest Rate: 3.25%
- Key Benefits:
- Dining and entertainment discounts
- Airport lounge access
- Purchase protection
- Instant redemption of LuluPoints
- Offers at Ferrari World & Yas Waterworld my-banker.com
This card is ideal for frequent shoppers at Lulu Hypermarkets and those who enjoy lifestyle perks.
🎬 ADCB Touchpoints Titanium Credit Card as a Best Credit Card in the UAE with No Annual Fee
- Minimum Salary: AED 5,000
- Interest Rate: 3.25%
- Key Benefits:
- Free cinema tickets
- Dining offers
- 0% interest for up to 12 months on school fees
- Air Miles and contactless payments my-banker.com
Perfect for families and entertainment lovers, this card offers great value without the annual fee.
💳 Citi Simplicity Credit Card
- Minimum Salary: AED 5,000
- Interest Rate: 3.50%
- Key Benefits:
- No late fees or over-limit charges
- Balance transfer options
- Simple, transparent terms Soul Wallet
If you’re looking for a stress-free credit card with no hidden fees, Citi Simplicity is a solid pick.
💰 Citi Cashback Credit Card
- Minimum Salary: AED 8,000
- Interest Rate: 3.5%
- Cashback Structure:
- 3% on non-AED spend
- 2% on groceries
- 1% on all other purchases
- No caps on cashback (up to credit limit) MyMoneySouq
This card is a favorite among cashback enthusiasts who want automatic savings on everyday purchases.
🛫 Emirates NBD Dnata Platinum Credit Card as a Best Credit Card in the UAE with No Annual Fee
- Minimum Salary: AED 5,000
- Interest Rate: 3.49%
- Key Benefits:
- Travel discounts
- Airport lounge access
- Dnata travel rewards Soul Wallet
Travelers will appreciate the perks that come with this card, especially if they frequently book through Dnata.
🛍️ Liv Cashback Credit Card (Liv Bank) as a Best Credit Card in the UAE with no annual fee.
- Minimum Salary: AED 5,000
- Interest Rate: 3.49%
- Key Benefits:
- Cashback on all purchases
- No minimum spend requirement
- App-based management Soul Wallet
Liv Bank’s digital-first approach makes this card perfect for tech-savvy users who want full control via mobile.
How to Choose the Right Card for You as a Best Credit Card in the UAE with No Annual Fee
When selecting a no-annual-fee credit card, consider the following:
- Your spending habits: Do you shop more, travel often, or pay school fees?
- Minimum salary requirement: Make sure you meet the eligibility criteria.
- Interest rates and fees: Look beyond the annual fee—check for late fees, foreign transaction charges, and balance transfer terms.
- Rewards and perks: Choose a card that aligns with your lifestyle—cashback, travel, entertainment, or shopping.
Final Thoughts on Applying for the Best Credit Card in the UAE with No Annual Fee
Choosing the best credit card in the UAE without an annual fee doesn’t mean compromising on benefits. From cashback and travel rewards to lifestyle perks and balance transfers, these cards offer tremendous value while helping you manage your finances smartly.
Whether you’re just starting your credit journey or looking to switch to a more cost-effective option, the cards listed above are worth considering. Compare features, check eligibility, and apply online to start enjoying the benefits today.
Ready to save more and spend smarter? A no-annual-fee credit card might be your perfect financial companion.
