ENBD Miles World Elite Mastercard
Emirates NBD Mastercard World Elite
Rewards 3.7%
Net Value AED 1,997
Joining Fee AED 500
Renewal Fee AED 500
1998 lounge visits • Forex 2.5%
Best Credit Cards Dubai 2026
We actively track 38 UAE credit cards across 10 issuers. The average forex markup on our database is 3.01%, and 5 cards already price forex at or below 2.5% for Dubai residents and expats.
🏙️ Dubai Credit Card Intelligence
Low-Forex Champions
5
Cards charging ≤2.5% forex markup — perfect for expats & cross-border earners.
Unlimited Lounge Picks
2
Cards with unlimited international lounge access straight out of Dubai airports.
Issuers in Active Coverage
10
Major UAE banks & fintech issuers tracked with 30-day refresh cadence.
Top Credit Cards Available in Dubai
30
RAKBank World Mastercard
RAK Bank Mastercard World
Rewards 2.7%
Net Value AED 1,629
Joining Fee AED 0
Renewal Fee AED 0
6 lounge visits • Forex 2.5%
Emirates NBD Skywards Infinite Credit Card
Emirates NBD Visa Infinite
Rewards 1.3%
Net Value AED 3,754
Joining Fee AED 3,149
Renewal Fee AED 1,575
Unlimited lounge access • Forex 0.0%
Mashreq Solitaire Credit Card
Mashreq Bank Visa
Rewards 0.8%
Net Value -AED 262
Joining Fee AED 0
Renewal Fee AED 1,575
999 lounge visits • Forex 2.0%
Mashreq Platinum Elite Credit Card
Mashreq Bank Visa
Rewards 0.7%
Net Value AED 579
Joining Fee AED 0
Renewal Fee AED 683
999 lounge visits • Forex 2.5%
Emirates Islamic Cashback Plus Credit Card
Emirates Islamic Visa
Rewards 0.7%
Net Value AED 5,115
Joining Fee AED 299
Renewal Fee AED 0
Unlimited lounge access • Forex 3.0%
ENBD Platinum World Elite Mastercard
Emirates NBD Mastercard World Elite
Rewards 1.7%
Net Value AED 1,456
Joining Fee AED 200
Renewal Fee AED 200
1007 lounge visits • Forex 2.8%
FAB World Elite Mastercard
First Abu Dhabi Bank (FAB) Mastercard World Elite
Rewards 1.7%
Net Value AED 1,164
Joining Fee AED 500
Renewal Fee AED 500
1014 lounge visits • Forex 2.8%
Mashreq Noon Credit Card
Mashreq Bank Mastercard
Rewards 1.3%
Net Value AED 564
Joining Fee AED 0
Renewal Fee AED 0
— • Forex 2.5%
ADCB Infinite Credit Card
Abu Dhabi Commercial Bank (ADCB) Visa Infinite
Rewards 1.2%
Net Value AED 949
Joining Fee AED 500
Renewal Fee AED 500
1009 lounge visits • Forex 2.8%
Emirates NBD Miles Credit Card
Emirates NBD Visa
Rewards 1.1%
Net Value AED 1,257
Joining Fee AED 2,000
Renewal Fee AED 0
10 lounge visits • Forex 3.0%
ENBD Premium World Elite Mastercard
Emirates NBD Mastercard World Elite
Rewards 1.0%
Net Value AED 897
Joining Fee AED 500
Renewal Fee AED 500
1005 lounge visits • Forex 2.9%
Dubai Credit Card Snapshot
| Rank | Card | Annual Fee | Forex Markup | Lounge Access |
|---|---|---|---|---|
| #1 | ENBD Miles World Elite Mastercard Emirates NBD | AED 500 | 2.5% | 999 |
| #2 | RAKBank World Mastercard RAK Bank | Free | 2.5% | 6 |
| #3 | Emirates NBD Skywards Infinite Credit Card Emirates NBD | AED 1,575 | — | unlimited |
| #4 | Mashreq Solitaire Credit Card Mashreq Bank | AED 1,575 | 2% | 999 |
| #5 | Mashreq Platinum Elite Credit Card Mashreq Bank | AED 683 | 2.5% | 999 |
Best Credit Cards for Expats in Dubai
These picks prioritize low forex markup, travel insurance, and Priority Pass style access that makes weekend runs to India, Saudi, or Europe cheaper.
ENBD Miles World Elite Mastercard
Emirates NBD Mastercard World Elite
Rewards 3.7%
Net Value AED 1,997
Joining Fee AED 500
Renewal Fee AED 500
1998 lounge visits • Forex 2.5%
RAKBank World Mastercard
RAK Bank Mastercard World
Rewards 2.7%
Net Value AED 1,629
Joining Fee AED 0
Renewal Fee AED 0
6 lounge visits • Forex 2.5%
Mashreq Solitaire Credit Card
Mashreq Bank Visa
Rewards 0.8%
Net Value -AED 262
Joining Fee AED 0
Renewal Fee AED 1,575
999 lounge visits • Forex 2.0%
Mashreq Platinum Elite Credit Card
Mashreq Bank Visa
Rewards 0.7%
Net Value AED 579
Joining Fee AED 0
Renewal Fee AED 683
999 lounge visits • Forex 2.5%
Mashreq Noon Credit Card
Mashreq Bank Mastercard
Rewards 1.3%
Net Value AED 564
Joining Fee AED 0
Renewal Fee AED 0
— • Forex 2.5%
Unlimited Lounge Access from Dubai
Cards here include either unlimited Priority Pass / LoungeKey or generous international quotas that cover DXB, DWC, and Abu Dhabi.
ENBD Miles World Elite Mastercard
Emirates NBD Mastercard World Elite
Rewards 3.7%
Net Value AED 1,997
Joining Fee AED 500
Renewal Fee AED 500
1998 lounge visits • Forex 2.5%
RAKBank World Mastercard
RAK Bank Mastercard World
Rewards 2.7%
Net Value AED 1,629
Joining Fee AED 0
Renewal Fee AED 0
6 lounge visits • Forex 2.5%
Emirates NBD Skywards Infinite Credit Card
Emirates NBD Visa Infinite
Rewards 1.3%
Net Value AED 3,754
Joining Fee AED 3,149
Renewal Fee AED 1,575
Unlimited lounge access • Forex 0.0%
Mashreq Solitaire Credit Card
Mashreq Bank Visa
Rewards 0.8%
Net Value -AED 262
Joining Fee AED 0
Renewal Fee AED 1,575
999 lounge visits • Forex 2.0%
Mashreq Platinum Elite Credit Card
Mashreq Bank Visa
Rewards 0.7%
Net Value AED 579
Joining Fee AED 0
Renewal Fee AED 683
999 lounge visits • Forex 2.5%
Emirates Islamic Cashback Plus Credit Card
Emirates Islamic Visa
Rewards 0.7%
Net Value AED 5,115
Joining Fee AED 299
Renewal Fee AED 0
Unlimited lounge access • Forex 3.0%
Data-Backed Dubai Credit Card Insights
- 5 cards already meet the UAE Central Bank's sweet spot of ≤2.5% forex markup, helping expats keep more of their remittances.
- 2 products provide unlimited international lounge access — mostly Visa Infinite / Mastercard World Elite tiers from Emirates NBD, FAB, and ADCB.
- We refresh card fees, reward rates, and eligibility every 30 days to capture flash sales during Dubai Shopping Festival or Ramadan.
Credit Cards Dubai FAQs
Which banks offer the best credit cards in Dubai?
Emirates NBD, ADCB, FAB, Mashreq, and Emirates Islamic lead the premium space, while RAKBANK and Network International publish aggressive cashback cards. Each of these issuers appears in our live rankings with verified fee sheets and lounge data.
Are there credit cards specifically for expats in Dubai?
Yes — look for products with ≤2.5% forex markup, multi-currency billing, and worldwide insurance. Our expat list above highlights the six cards with the best combination of low forex, easy salary transfer requirements, and airport lounge support.
What are the best credit cards for shopping in Dubai?
Cards from Emirates NBD, FAB, and Network International cap out shopping rewards at Dubai Mall, Mall of the Emirates, and festival partners. Watch for seasonal multipliers (4X–10X points) that we annotate inside each card's details page.