Every major UAE credit card in one catalogue, curated by Himma: 169 cards from 21 issuers, verified July 2026. Filter Islamic or conventional, then by your salary across multiple banks and card types, open any card's file, then line up to three on a dedicated comparison screen.
A dash means the value is not published yet; nothing is estimated.
Free for the first year
No salary transfer needed
No standard waiver
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
Free for the first year; free for life for UAE Nationals
No salary transfer needed
Free for life
No salary transfer needed
AED 1,050; AED 525 for Excellency
No salary transfer needed
Free for the first year; AED 630 Aspire, AED 315 Privilege, free for Excellency from year 2
No salary transfer needed
Free for life
No salary transfer needed
AED 1,575 Aspire, AED 787.50 Privilege/Excellency
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
From 2nd year, annual fee reversed upon non-AED spends of AED 30,000 or total spend of AED 75,000 in the previous year
No salary transfer needed
From 2nd year, annual fee reversed upon non-AED spends of AED 15,000 or total spend of AED 45,000 in the previous year
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver
No salary transfer needed
Free for life
No salary transfer needed
Waived on AED 5,000 retail spend within 60 days of card issuance
No salary transfer needed
No standard waiver; UAE Nationals AED 525 (500 + VAT), expatriates AED 315 (300 + VAT)
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver; fee billed in USD (US$ 183.75 incl VAT = AED 674.82 at pegged 3.6725). Membership Rewards enrolment is an extra US$ 25 + VAT per year
No salary transfer needed
No standard waiver; AED 3,100 + VAT = AED 3,255, includes 1 free Platinum and 4 free Gold supplementary cards
No salary transfer needed
Free in year 1; from year 2 waived on AED 9,000 annual spend, else AED 300 + VAT applies
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
Free in year 1; AED 300 fee waived from year 2 onwards without conditions (effectively free for life while waiver stands)
No salary transfer needed
Free in year 1; from year 2 waived on AED 9,000 annual spend, else AED 300 + VAT applies
No salary transfer needed
Free for life
No salary transfer needed
Free for the first year; from year 2 the fee is waived on achieving the bank's minimum annual spend target (target amount not published on the card page)
No salary transfer needed
Free for life
No salary transfer needed
Free for the first year; from year 2 waived on annual minimum retail spend of AED 24,000
No salary transfer needed
Free for the first year; from year 2 the fee is auto-reversed on achieving the annual spend target assigned to the card (target amount not published on the card page)
No salary transfer needed
Free for the first year; no annual fee in subsequent years when you spend over AED 100,000 per annum on the card
No salary transfer needed
Free for the first year
No salary transfer needed
Free for the first year
No salary transfer needed
Free for the first year
No salary transfer needed
First year free if you spend AED 5,000 within 30 days of issuance (offer for applications 1 Jul - 30 Aug 2026); no ongoing waiver stated
No salary transfer needed
Free for life
No salary transfer needed
First year free (limited-time offer on new cards); AED 210 incl. VAT thereafter, no spend-based waiver stated
No salary transfer needed
First year free (limited-time offer on new cards); AED 261.45 incl. VAT thereafter, no spend-based waiver stated
No salary transfer needed
No standard waiver; Year 1 AED 2,625, renewal from Year 2 AED 1,575 (both incl. VAT)
No salary transfer needed
No standard waiver; renewal also AED 525 incl. VAT
No salary transfer needed
No standard waiver; Year 1 AED 1,575, renewal from Year 2 AED 735 (both incl. VAT)
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
First year free; from year 2 waived on annual spend of AED 60,000, else AED 733.95 incl. VAT
No salary transfer needed
First year free; from year 2 waived on annual spend of AED 15,000, else AED 208.95 incl. VAT
No salary transfer needed
First year free; from year 2 waived on annual spend of AED 30,000, else AED 523.95 incl. VAT
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver
No salary transfer needed
Current offer: no AMF for the first year, with continued fee waiver based on yearly spend
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver; welcome bonus miles awarded upon payment of Annual Membership Fee
No salary transfer needed
No standard waiver; welcome bonus miles awarded upon payment of Annual Membership Fee
No salary transfer needed
Two AMF options: AED 1,575 (with 25,000-mile welcome bonus) or AED 2,625 (with 55,000-mile welcome bonus); no waiver
No salary transfer needed
Page structured data notes AMF 'waived first year with spend criteria'; welcome bonus miles awarded upon payment of Annual Membership Fee
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver; 75,000 SmartMiles welcome bonus awarded upon payment of Annual Membership Fee
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver; AED 2,100 base fee, plus one-time AED 3,675 Gold-tier fee (total AED 5,775) if fast-track to Skywards Gold is taken
No salary transfer needed
Offer until 31 August 2026: first-year AMF reversed on AED 30,000 retail spend within 180 days of approval (no welcome miles under this offer); otherwise choose AED 2,100 AMF with 20,000-mile bonus or AED 1,048.95 with 10,000-mile bonus
No salary transfer needed
No standard waiver
No salary transfer needed
Free for the first year; from year 2 waived on AED 30,000 retail spend in the last 12 months
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver
No salary transfer needed
Free for life for a limited time only (current product-page promo; standard fee AED 315)
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver stated
No salary transfer needed
Exclusive current offer: No Annual Fees (product-page promo; standard AED 840 per price guide)
No salary transfer needed
No standard waiver; joining fee AED 2,625 in year 1, annual fee AED 1,575 from 2nd year
No salary transfer needed
No standard waiver; joining fee AED 1,575 in year 1, annual fee AED 735 from 2nd year
No salary transfer needed
Exclusive current offer: No Annual Fees (product-page promo; standard AED 103.95 per price guide)
No salary transfer needed
Exclusive current offer: No Annual Fees (product-page promo; standard AED 208.95 per price guide)
No salary transfer needed
No standard waiver; joining fee AED 525 in year 1, annual fee AED 262.50 thereafter
No salary transfer needed
Free for life
No salary transfer needed
Exclusive current offer: No Annual Fees (product-page promo; standard AED 262.50 per price guide)
No salary transfer needed
Annual fee not charged while enrolled in the Express Points programme (AED 300/month); otherwise no standard waiver
No salary transfer needed
Product page currently advertises 'Joining fees: Free for life, Annual fees: 0'; Feb 2026 price guide and KFS still list AED 315
No salary transfer needed
Exclusive current offer: No Annual Fees (product-page promo; standard AED 735 per price guide)
No salary transfer needed
Exclusive current offer: No joining fees, no annual fees (product-page promo; standard AED 420 per price guide)
No salary transfer needed
Free for life
No salary transfer needed
Free for the first year
No salary transfer needed
Free for life
No salary transfer needed
Joining fee refunded on AED 40,000 spend in the first 3 months
No salary transfer needed
Free for life
No salary transfer needed
Year-1 joining fee AED 3,148.95; AED 1,575 annual fee from 2nd year (replaced by AED 250 + 5% VAT monthly fee if enrolled in the Skywards Express Miles programme)
No salary transfer needed
Year-1 joining fee AED 1,573.95; AED 735 annual fee from 2nd year
No salary transfer needed
Free for life
No salary transfer needed
Year-1 joining fee AED 2,625; AED 1,575 annual fee thereafter
No salary transfer needed
Year-1 joining fee AED 525; AED 262.50 annual fee thereafter
No salary transfer needed
Free for the first year
No salary transfer needed
Standard fee AED 735; currently waived under 'Exclusive current offer: No joining fees No annual fees' on the product page
No salary transfer needed
No standard waiver stated
No salary transfer needed
Standard Platinum fee AED 735 per price guide; product page currently advertises 'Exclusive current offer: No Annual Fees'
No salary transfer needed
Product page advertises 'Joining fees NIL / Annual fees: Free For Life'; Service and Price Guide (Feb 2026) and KFS (05/2026) still list an AED 315 renewal fee
No salary transfer needed
Free for the first year (page also lists joining fee NIL; KFS 05/2026 lists an AED 2,098.95 joining fee)
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver
No salary transfer needed
Free for life
No salary transfer needed
Free for the first year (FAB personal homepage promotion, July 2026: 'Enjoy the first year free with a new card')
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
Waived on non-educational spend of AED 24,000 in the previous year
No salary transfer needed
No standard waiver
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
Free for the first year
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver
No salary transfer needed
Free for the first 12 months; thereafter waived on annual spend of AED 24,000
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver (AED 1,000 welcome cashback equal to the fee excl VAT offsets year 1 for online applications)
No salary transfer needed
Free for life
No salary transfer needed
Free for the first year; thereafter waived on annual spend of AED 12,000
No salary transfer needed
Free for the first year; thereafter waived on annual spend of AED 12,000
No salary transfer needed
Free for life
Salary transfer required
Free for life
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver; joining fee waived with an ongoing Liv Max subscription
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver; joining fee waived with an ongoing Liv Max subscription
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver
No salary transfer needed
No annual fee for Mashreq Gold customers who apply on/or after 14 March 2026; no spend-based waiver stated
No salary transfer needed
Free for life (Schedule of Charges note: AED 100 annual fee is waived till the relevant segment eligibility is maintained)
No salary transfer needed
Free for life (Schedule of Charges note: AED 750 annual fee is waived till the relevant segment eligibility is maintained)
No salary transfer needed
Free for life (NBF Islamic Schedule of Charges note: AED 250 annual fee is waived till the relevant segment eligibility is maintained)
No salary transfer needed
Free for life (NBF Islamic Schedule of Charges note: AED 750 annual fee is waived till the relevant segment eligibility is maintained)
No salary transfer needed
Free for life (Schedule of Charges note: AED 250 annual fee is waived till the relevant segment eligibility is maintained)
No salary transfer needed
Free for life
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
Waived from the 2nd year on AED 20,000 retail spend in the previous year; product page (Jul 2026 promo) currently advertises no joining fee for year 1
No salary transfer needed
No annual fee; tiered monthly subscription fee (Prime AED 49+VAT, Plus AED 99+VAT, Privilege AED 299) charged only if monthly spend is below AED 5,000 / 10,000 / 20,000 respectively
No salary transfer needed
Free for life
No salary transfer needed
Free for life
No salary transfer needed
Free for the first year; from the 2nd year waived on AED 100,000 spend in the previous year (RAKMoney transfer, BT, CCC and cash transactions excluded)
No salary transfer needed
First-year fee waived on AED 10,000 spend within 60 days; waived every year after on AED 150,000 spend in the previous 12 months
No salary transfer needed
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.
Bank-verified APRs, fees and FX markups from official schedules of charges, plus the true cost of paying only the minimum.
Your card limits count against the 50% debt-burden cap. See how much room you really have.
How card utilisation and missed payments move your AECB score, and your next card's rate.
