The 20 Best Credit Cards in Dubai

Looking for the best credit card in Dubai to suit your financial needs? Look no further! Whether you are searching for a card that offers great rewards, low interest rates, or excellent customer service, Dubai has a wide range of options to choose from.
With so many banks and financial institutions offering credit cards in Dubai, it can be overwhelming to find the right one for you. That's why it's important to compare the different options available to make an informed decision. From cashback rewards to travel perks, there is a credit card in Dubai for everyone.
- Low interest rates
- Generous rewards program
- No annual fee
- Travel perks and insurance benefits
- Excellent customer service
Before making a decision, take a look at our list of the 20 best credit cards in Dubai to find the perfect card for your financial needs.
- 1. Edenred UAE - Best WPS Payroll Solution
- 2. Etihad Credit Bureau
- 3. SoulWallet - Compare and get the best credit card and loan offers in Dubai, UAE
- 4. Credit Card Finder - Find the right card for you
- 5. MyBanker
- 6. MoneyMall
- 7. The Emirates Credit Information Company Limited (Emcredit)
- 8. Card Cutters
- 9. UAE Central Bank DUBAI
- 10. Aafaq Islamic Finance - Dubai Branch
- 11. Credit Europe Bank (Dubai) Ltd
- 12. Deem Finance LLC
- 13. Mawarid Finance - Credit Card Sales Office
- 14. Credit Risk Management Consultancy Services Dubai UAE
- 15. Derby Debt Collection
- 16. Dubai First Al Fardan
- 17. CREDIT CARD PANDA
- 18. Yalla Payments
- 19. SaverFox
- 20. Instant Cash- Global Money Transfer

- Monday: 9 AM–5 PM
- Tuesday: 9 AM–5 PM
- Wednesday: 9 AM–5 PM
- Thursday: 9 AM–5 PM
- Friday: 9 AM–5 PM
- Saturday: Closed
- Sunday: Closed
1. Edenred UAE - Best WPS Payroll Solution
Information and Reviews
- Customers appreciate the marvelous customer service provided by the company.
- Many clients have highlighted the unprofessional service standards and lack of responsiveness exhibited by Edenred UAE.
- Some customers find the company's processes to be complicated and slow, leading them to consider switching back to previous service providers.
- There have been complaints about the lack of proper contact center and difficulties in getting issues resolved in a timely manner.
Despite some challenges highlighted in the reviews, Edenred UAE continues to serve its customers with dedication and aims to improve its services to enhance customer satisfaction.

- Monday: 8 AM–4 PM
- Tuesday: 8 AM–4 PM
- Wednesday: 8 AM–4 PM
- Thursday: 8 AM–4 PM
- Friday: 8 AM–12:30 PM
- Saturday: Closed
- Sunday: Closed
2. Etihad Credit Bureau
Information and Reviews
- Exceptional service from the staff, providing valuable insights into credit reports.
- Professionalism, knowledge, and efficiency in handling credit inquiries.
- Polite, helpful, and friendly service that makes the process smooth and hassle-free.
- Quick and easy handling by the representatives, ensuring a seamless experience.
The team at Etihad Credit Bureau is dedicated to providing top-notch service to all their clients. Whether you need help understanding your credit report or have inquiries about your credit history, you can rely on Etihad Credit Bureau to assist you every step of the way.

- Monday: 9 AM–6 PM
- Tuesday: 9 AM–6 PM
- Wednesday: 9 AM–6 PM
- Thursday: 9 AM–6 PM
- Friday: 9 AM–6 PM
- Saturday: 9 AM–6 PM
- Sunday: Closed
3. SoulWallet - Compare and get the best credit card and loan offers in Dubai, UAE
Information and Reviews
Customers have shared their positive experiences through reviews:
- Professional and smooth experience with quick insurance coverage
- User-friendly site with helpful on-line account activation assistance
- Intuitive and easy-to-use portal for selecting the best financial products
- Fast and smooth experience in browsing and comparing different offerings
Overall, customers appreciate the efficiency and user-friendliness of SoulWallet, making it a highly recommended choice for financial services in Dubai.

- Monday: 9 AM–5 PM
- Tuesday: 9 AM–5 PM
- Wednesday: 9 AM–5 PM
- Thursday: 9 AM–5 PM
- Friday: 9 AM–5 PM
- Saturday: 9 AM–5 PM
- Sunday: Closed
4. Credit Card Finder - Find the right card for you
Information and Reviews
- Customers appreciate the professionalism and expertise of the staff.
- The process of finding the right credit card is described as quick and efficient.
- Many clients highlight the reliability and ease of use of the services offered.
If you are looking for expert advice on choosing the right credit card, Credit Card Finder is the place to go. Contact them today to start your journey towards financial freedom.

- Monday: 9 AM–7 PM
- Tuesday: 9 AM–7 PM
- Wednesday: 9 AM–7 PM
- Thursday: 9 AM–7 PM
- Friday: 9 AM–7 PM
- Saturday: 9 AM–7 PM
- Sunday: Closed
5. MyBanker
Information and Reviews
- Customers appreciate the professional, knowledgeable, and supportive service provided by the team.
- Efficient and reliable business services make complex processes feel straightforward and stress-free.
- Expertise in areas such as Emirates ID, visa applications, credit cards, personal finance, and investments.
- Fast and effective service delivery that ensures customers' needs are met promptly.
If you are in need of financial guidance or business services in Dubai, MyBanker is the go-to place for exceptional assistance. Visit their website or contact them at +971 52 288 2376 to explore the wide range of services they offer.

6. MoneyMall
Information and Reviews
- Highly professional and efficient services.
- Easy to use website interface.
- Great customer support.
Customers have raved about their experience with MoneyMall, emphasizing their attention to detail and personalized approach. The team at MoneyMall goes above and beyond to meet the needs of each client, ensuring a smooth and hassle-free experience.

- Monday: 8 AM–4 PM
- Tuesday: 8 AM–4 PM
- Wednesday: 8 AM–4 PM
- Thursday: 8 AM–4 PM
- Friday: 8 AM–12 PM
- Saturday: Closed
- Sunday: Closed
7. The Emirates Credit Information Company Limited (Emcredit)
Information and Reviews
Customers have left some valuable feedback about their experiences with Emcredit:
- Professionalism lacking - Difficulty reaching the company by phone and office not opening during stated hours.
- Efficient service - Quick turnaround time for credit and loan history clearance.
- Good support - Customers appreciate the helpful assistance provided.
- Convenient location - Easy access to the office for all your credit information needs.
With a 4.0 rating and exceptional accessibility features, Emcredit stands as a reliable option for individuals looking to manage their credit information efficiently.

- Monday: 8 AM–6 PM
- Tuesday: 8 AM–6 PM
- Wednesday: 8 AM–6 PM
- Thursday: 8 AM–6 PM
- Friday: 8 AM–6 PM
- Saturday: 8 AM–6 PM
- Sunday: 8 AM–6 PM
8. Card Cutters
Information and Reviews
- Very poor service and issue resolution is non existent. Complaints have been filed with the financial authorities to report them.
- No body answers calls after receiving the machine, resulting in a bad experience.
- Very bad service and thieving money from customers.
Despite some negative feedback, there are also positive reviews from satisfied customers praising Card Cutters for their excellent services. One customer mentioned being satisfied with the great services and the exemplary salesperson, Hassan, who provided exceptional service. Another customer appreciated the convincing skills of their sales representative, Muhammed Usman, and expressed interest in future collaborations with the company.
Overall, Card Cutters offers a range of financial services with both positive and negative feedback from customers, making them a notable player in the financial consulting industry in Dubai.

- Monday: 9 AM–2 PM
- Tuesday: 9 AM–2 PM
- Wednesday: 9 AM–2 PM
- Thursday: 9 AM–2 PM
- Friday: 9 AM–12 PM
- Saturday: Closed
- Sunday: Closed
9. UAE Central Bank DUBAI
Information and Reviews
With a rating of 3.1 stars, based on 118 reviews, here are some key points from customer feedback:
- Staff lacks basic information about services, leading to misinformation.
- Confusion about vendor/trader charges on credit card payments.
- Challenges with website functionality, making it difficult to raise complaints.
- Long wait times and unclear service hours causing inconvenience.
Customers have highlighted that UAE Central Bank DUBAI is willing to listen and offer help, with a user-friendly portal for communication. If you are looking for a bank that values customer feedback and strives to address concerns effectively, this establishment may be the right fit for you.

- Monday: 8 AM–8 PM
- Tuesday: 8 AM–8 PM
- Wednesday: 8 AM–8 PM
- Thursday: 8 AM–8 PM
- Friday: 8 AM–12 PM
- Saturday: 8 AM–8 PM
- Sunday: Closed
10. Aafaq Islamic Finance - Dubai Branch
Information and Reviews
With a rating of 2.3 stars based on 346 reviews, it is evident that customers have had mixed experiences with the services provided by Aafaq Islamic Finance - Dubai Branch. Some key points highlighted in the reviews are:
- Customers have faced issues with fraudulent transactions and disputes that were not handled effectively.
- There are complaints about unclear charges and lack of transparency in billing practices.
- Many customers have expressed dissatisfaction with the customer service provided, citing lack of knowledge and delays in resolving issues.
Despite these challenges, Aafaq Islamic Finance - Dubai Branch continues to serve its customers with a wide range of financial products and services. If you are in need of financial assistance, you may consider reaching out to them for more information.
- Monday: 9 AM–6 PM
- Tuesday: 9 AM–6 PM
- Wednesday: 9 AM–6 PM
- Thursday: 9 AM–6 PM
- Friday: Closed
- Saturday: Closed
- Sunday: 9 AM–6 PM
11. Credit Europe Bank (Dubai) Ltd
Information and Reviews
- Customers appreciate the bank's attentive customer service and personalized approach to their financial needs.
- Many clients commend the institution for its transparency and clear communication regarding banking products and services.
- The bank's convenient location in the Emirates Financial Towers makes it easily accessible for residents and businesses in the area.
Experience the exceptional service and expertise that Credit Europe Bank (Dubai) Ltd has to offer and see why customers rave about their positive interactions with this esteemed establishment.

- Monday: 9 AM–6:30 PM
- Tuesday: 9 AM–6:30 PM
- Wednesday: 9 AM–6:30 PM
- Thursday: 9 AM–6:30 PM
- Friday: 9 AM–6:30 PM
- Saturday: 9 AM–4:30 PM
- Sunday: Closed
12. Deem Finance LLC
Information and Reviews
Customers have shared their experiences with Deem Finance LLC, and here are some key points from their reviews:
- Long delays in canceling credit cards
- Unexpected charges and fines
- Poor communication and unprofessional behavior
- High interest rates and aggressive collection tactics
Despite some negative feedback, Deem Finance LLC continues to strive for excellence in the financial sector and aims to provide quality services to their valued customers.

- Monday: 8 AM–4:30 PM
- Tuesday: 8 AM–4:30 PM
- Wednesday: 8 AM–4:30 PM
- Thursday: 8 AM–4:30 PM
- Friday: Closed
- Saturday: Closed
- Sunday: 8 AM–4:30 PM
13. Mawarid Finance - Credit Card Sales Office
Information and Reviews
- Unsatisfactory customer service experience, difficulty in resolving issues and lack of response to complaints.
- Overall negative experience with delays in refund processing and lack of communication from the company.
Despite the mixed reviews, Mawarid Finance - Credit Card Sales Office continues to strive to provide excellent financial services to its clients. If you are in need of financial assistance in Dubai, be sure to check out their services.
- Monday: 9 AM–6 PM
- Tuesday: 9 AM–6 PM
- Wednesday: 9 AM–6 PM
- Thursday: 9 AM–6 PM
- Friday: Closed
- Saturday: 9 AM–6 PM
- Sunday: 9 AM–6 PM
14. Credit Risk Management Consultancy Services Dubai UAE
Information and Reviews
Customers have provided valuable feedback about their experience with Credit Risk Management Consultancy Services Dubai UAE. Some key points from their reviews include:
- Knowledgeable and professional consultants
- Effective strategies for managing credit risks
- Responsive and reliable customer service
If you are looking for expert advice on credit risk management, Credit Risk Management Consultancy Services Dubai UAE is a trusted choice in the industry. Contact them today to see how they can help your business thrive.

- Monday: 9 AM–7 PM
- Tuesday: 9 AM–7 PM
- Wednesday: 9 AM–7 PM
- Thursday: 9 AM–7 PM
- Friday: Closed
- Saturday: 9 AM–7 PM
- Sunday: 9 AM–7 PM
15. Derby Debt Collection
Information and Reviews
With a rating of 1.5 stars based on 24 reviews, customers have shared their experiences. Here are some key points from customer reviews:
- Avoid this company as they are scammers targeting individuals with new visas.
- Employees are forced to work overtime without extra pay and are charged for office parties.
- Management is poor and practices cost-cutting measures at the expense of employees.
Overall, customers caution against working with Derby Debt Collection due to alleged scamming practices, poor management, and unfavorable working conditions.

- Monday: 8 AM–5 PM
- Tuesday: 8 AM–5 PM
- Wednesday: 8 AM–5 PM
- Thursday: 8 AM–5 PM
- Friday: Closed
- Saturday: 9 AM–6 PM
- Sunday: 8 AM–5 PM
16. Dubai First Al Fardan
Information and Reviews
- Customers warn against false claims of bonus cash rewards and high annual charges.
- Many have experienced overcharged credits, hidden fees, and misleading information.
- Some have labeled the institution as a scam, with promises of free credit cards that turn out to be false.
The business's focus on transparent and honest financial services continues to be questioned by customers who have faced challenges with their credit cards and customer service. If you are looking for a reliable financial partner, consider all aspects before engaging with Dubai First Al Fardan.

17. CREDIT CARD PANDA
Information and Reviews
Customers have raved about their experience at Credit Card Panda, praising the exceptional service and knowledgeable staff. Here are some key points from their reviews:
- Helpful and friendly staff who go above and beyond to assist customers
- A wide range of financial products and services to choose from
- Convenient location with easy access and wheelchair-accessible car park
Whether you're looking for a new credit card, loan, or investment opportunity, Credit Card Panda has you covered. Visit them today and experience their top-notch service for yourself!

- Monday: 9 AM–6:30 PM
- Tuesday: 9 AM–6:30 PM
- Wednesday: 9 AM–6:30 PM
- Thursday: 9 AM–6:30 PM
- Friday: 9 AM–6:30 PM
- Saturday: 9 AM–6:30 PM
- Sunday: 9 AM–6:30 PM
18. Yalla Payments
Information and Reviews
Customers have praised Yalla Payments for their professionalism, attention to detail, and exceptional customer service. Some key points highlighted in the reviews include:
- Efficient and reliable financial advice
- Great communication and transparency throughout the process
- Highly knowledgeable and skilled team of consultants
Whether you are looking for assistance with budgeting, investments, or financial planning, Yalla Payments is committed to helping you achieve your financial goals. Visit their website or contact them today to learn more about their services.

19. SaverFox
Information and Reviews
- Professional and knowledgeable staff
- Customized financial solutions
- Excellent customer service
Whether you are looking for retirement planning, investment advice, or assistance with managing your assets, SaverFox has the experience and resources to help you succeed. Visit their website at http://www.saverfox.com/ for more information.

- Monday: 9:30 AM–9:30 PM
- Tuesday: 9:30 AM–9:30 PM
- Wednesday: 9:30 AM–9:30 PM
- Thursday: 9:30 AM–9:30 PM
- Friday: 2–10 PM
- Saturday: 9:30 AM–9:30 PM
- Sunday: 9:30 AM–9:30 PM
20. Instant Cash- Global Money Transfer
Information and Reviews
The business has received stellar reviews from satisfied customers, with key points including:
- Fast and reliable global money transfers
- Competitive exchange rates for various currencies
- Professional and friendly customer service
Experience the convenience and efficiency of Instant Cash- Global Money Transfer for all your financial transactions.
Map of Credit Cards in Dubai
Dubai is a bustling city in the United Arab Emirates, known for its luxurious shopping and stunning architecture. If you're planning a trip to Dubai, it's important to know which credit cards are widely accepted in the city. Check out the map below to see where you can use your credit card in Dubai.
What are the requirements for applying for a credit card in Dubai?
Applying for a credit card in Dubai typically requires certain documents and qualifications. To obtain a credit card, you must be a resident of the UAE and have a valid Emirates ID. You will also need to provide proof of employment in the form of salary slips or bank statements. Additionally, most banks in Dubai require a minimum income threshold which can vary depending on the bank and the type of credit card you are applying for.
Furthermore, it is important to have a good credit score to increase your chances of approval. A good credit score indicates your creditworthiness and ability to manage debt responsibly. It is advisable to check your credit score before applying for a credit card in Dubai to ensure you meet the requirements.
What are the benefits of having a credit card in Dubai?
Holding a credit card in Dubai comes with several benefits that can enhance your financial flexibility and lifestyle. One of the primary advantages of having a credit card is the convenience it offers for making purchases both online and offline. With a credit card, you can easily pay for goods and services without having to carry cash.
Additionally, many credit cards in Dubai come with rewards programs that offer points or cashback on purchases. These rewards can be redeemed for various benefits such as discounts on travel, dining, or shopping. Some credit cards also offer additional perks such as complimentary travel insurance, airport lounge access, and exclusive discounts at partner merchants.
What should I consider before choosing a credit card in Dubai?
When selecting a credit card in Dubai, there are several factors to consider to ensure you choose the right card for your needs. Firstly, you should assess your spending habits and determine the type of rewards or benefits that align with your lifestyle. For example, if you frequently travel, a credit card with travel rewards and perks may be more suitable for you.
It is also important to compare the annual fees, interest rates, and other charges associated with different credit cards in Dubai. Some credit cards may have high annual fees but offer premium benefits, while others may have lower fees but fewer perks. By evaluating these factors, you can choose a credit card that provides the best value for your spending habits and preferences.
What are the consequences of missing credit card payments in Dubai?
Missing credit card payments in Dubai can have serious consequences that can impact your financial health and credit score. When you fail to make timely payments on your credit card, you may incur late payment fees and interest charges, which can accumulate over time and result in increased debt.
Moreover, missed payments can also negatively affect your credit score, making it harder for you to obtain credit in the future. A poor credit score can hinder your ability to secure loans, mortgages, or even rent a property. Additionally, repeated instances of missing payments can lead to the bank taking legal action against you, which may further damage your financial reputation.
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