Best Credit Cards for Expats Living In UAE

As an expat living in the UAE, it's essential to make informed financial decisions, especially when it comes to credit cards. Choosing the best credit cards for expats  can offer numerous benefits, such as cashback, rewards, discounts, and exclusive privileges. 

 

In this blog, we will explore some of the best credit cards for expats in the UAE, providing you with the necessary information to make a smart choice.

 

Best credit cards for expats: Emirates NBD Lulu 247 titanium credit card

 

The Emirates NBD Lulu 247 titanium credit card is an excellent choice for expats living in the UAE. Here are some of its key features and benefits:

• Earn LuLu Points on various spends, including 3.5% on LuLu in-store and online spends, 2% on fuel spends, 1% on utility bill payments, and 0.35% on other spends.

• Enjoy a welcome offer of 0% interest on balance transfers with no processing fees.

• Avail special member benefits at LuLu, such as priority checkout, early access to sales and promotions, free shipping on LuLu online, and other exclusive discounts.

• Benefit from a "Buy 1 Get 1" offer on movie tickets at Reel Cinemas.

• Access complimentary lounges at over 10 regional airports.

• Easily redeem LuLu Points at over 70 LuLu stores.

• The interest rate is 3.25% per month, with a minimum payment of 5% of the outstanding or AED 100, whichever is higher.

 

Best credit cards for expats: Mashreq bank cashback card

 

The Mashreq bank cashback card is another popular choice for expats in the UAE. Here's what you need to know about this card:

• Earn 5% cashback on dining spends in the UAE, 2% cashback on international spends, and 1% cashback on other local spends.

• If you are applying for your first credit card with Mashreq, you will receive AED 500. Existing credit cardholders with Mashreq will get AED 100.

 

Best credit cards for expats: Abu dhabi commercial bank adcb 365 cashback credit card

 

The Abu dhabi commercial bank adcb 365 cashback credit card offers attractive cashback rewards. Consider the following details:

• Earn 3% cashback on utilities, telecom, fuel, and Salik expenses.

• Enjoy 6% cashback on dining, including online orders, and 5% cashback on groceries.

• Earn 1% cashback on all other retail spends.

• Benefit from a welcome bonus of AED 365.

• Pay no annual fee for the first year.

• Avail of "Buy 1 Get 1" free movie tickets at VOX Cinemas in the UAE.

• Get monthly cashback of up to AED 1,000.

 

Best credit cards for expats: RAKBANK titanium mastercard credit card

 

The RAKBANK titanium mastercard credit card offers attractive cashback and travel-related benefits. Take a look at its features:

• Earn 5% cashback on all supermarket and dining spends worldwide.

• Get up to 50% cashback on cinema spends worldwide.

• Earn 2% cashback on international spends and 1% cashback on all other retail spends.

• Enjoy complimentary airport lounge access in selected airports.

• Benefit from travel insurance coverage, including medical emergencies, trip cancellations, and baggage delays.

• Avail of exclusive dining and lifestyle privileges, such as discounts at partner restaurants and retail outlets.

 

Travel-related benefits

 

Best credit cards for expats in the UAE provide travel-related benefits to enhance your travel experience. Some common travel benefits include:

• Complimentary airport lounge access: Access to exclusive airport lounges in various international and domestic airports, providing amenities like comfortable seating, complimentary refreshments, Wi-Fi access, and more.

• Travel insurance coverage: Protection against unexpected events during your travels, including medical emergencies, trip cancellations, lost baggage, and more.

• Discounts on flights and hotel bookings: Some credit cards offer discounts and exclusive deals on flights, hotel reservations, and car rentals.

• Travel miles and rewards: Earn travel miles or rewards points for every eligible spend, which can be redeemed for flights, hotel stays, or other travel-related expenses.

 

Lifestyle-related benefits

 

Apart from travel and hotel benefits, best credit cards for expats in the UAE often include lifestyle-related perks, such as:

• Dining discounts: Enjoy discounts or special offers at partner restaurants, cafes, and bars across the UAE.

• Entertainment privileges: Access to exclusive events, concerts, movie ticket offers, and experiences.

• Shopping discounts: Enjoy discounts, special promotions, and offers at partner retail outlets and e-commerce platforms.

• Wellness and fitness benefits: Some credit cards provide discounts or complimentary access to gyms, wellness centers, and spa facilities.

• Exclusive discounts on hotel bookings: Enjoy discounts or special rates when booking accommodations at partner hotels or through specific travel platforms.

• Complimentary hotel nights: Some credit cards offer free hotel stays as a welcome bonus or as part of ongoing promotions.

• Upgrades and amenities: Access to room upgrades, complimentary breakfast, late check-out, and other exclusive amenities at participating hotels.

 

Choosing the right credit card as an expat in the UAE matters. It helps you maximize benefits and make smart financial choices. With so many options out there, picking the perfect card can seem overwhelming. But you're not alone in this.

 

At BanqMart, we’re here for you every step of the way. Our dedicated relationship officers are always ready to assist you.

 

BanqMart is your trusted financial platform, and our experienced relationship officers specialize in UAE credit cards. They’re here to offer personalized advice that suits your needs. Together, we’ll find the perfect card for your spending, travel, and lifestyle.

 

With BanqMart, you’ll confidently choose a credit card that offers rewards, cashback, travel perks, and more. Our relationship officers Will guide you through comparing cards, understanding fees, interest rates, and eligibility criteria. We’re here to help you make smart financial decisions.

 

Having the right credit card for expats means enjoying cashback, airport lounges, travel insurance, discounts on flights and hotels, and more. Plus, BanqMart’s relationship officers can teach you how to use your card wisely, pay on time, and avoid debt.

 

As a UAE expat, make the most of your time with the right credit card, thanks to BanqMart’s help. We’re committed to helping you make informed financial decisions, so you can enjoy your card perks while keeping your finances in good shape.

 

Having the best credit card for expats in hand means enjoying cashback on purchases, access to airport lounges, travel insurance, flight and hotel discounts, and more. Plus, Banqmart's experts can teach you how to handle your card wisely, pay on time, and stay clear of debt troubles.

 

As a UAE expat, make the most of your time with the right credit card, thanks to Banqmart's help. Their commitment to informed financial decisions will empower you to savor card perks while keeping your finances in good shape.