Moving to the United Arab Emirates (UAE) as an expat is an exciting experience, but managing your finances in a new country can be a bit daunting. One of the most important sources of financial flexibility is a reliable credit card. Whether you want travel perks, cashback rewards, or low interest rates, there are a variety of credit cards available for expats in the UAE. In this guide, we will discuss the Best Credit Cards for Expats in the UAE in 2025, so you can make the best decision.

Why do expats need a UAE credit card?

As an expat, having a UAE credit card can make your financial life easier. It offers you the following benefits:

• The opportunity to build a credit history in the UAE.
• Access to exclusive rewards and benefits.
• Ease of online and offline transactions.
• Manage expenses in AED, avoid currency conversion costs.

With so many options, it’s important to choose a card that suits your lifestyle and spending habits.

Best Credit Cards for Expats in 2025

Here are the Best Credit Cards for Expats in the UAE in 2025, ranked by their key benefits:

1. Best for Travel Enthusiasts: Emirates NBD Skywards Signature Credit Card

• Key Features:
• Earn Skywards Miles on every spend.
• Free airport lounge access.
• Free Emirates Airline tickets after spending a certain amount.
• Travel insurance coverage.
• Why is it great for expats?
  If you’re a frequent traveler or frequent traveler, this card offers unmatched travel benefits.

2. Best for Cashback Rewards: Citibank Cashback Credit Card

• Key Features:
• Up to 5% cashback on supermarket purchases.
• 2% cashback on food and utility bills.
• 1% cashback on all other spending.
• No minimum salary requirement for expats.
• Why is it great for expats?
  This card is great for expats who want to save on everyday expenses.

3. Best for Low Interest Rates: ADIB Islamic Cashback Credit Card

• Key Features:
• Sharia-compliant card, no hidden fees.
• Competitive interest rates.
• Cashback on international and local spending.
• Why is it best for expats?
  This card is ideal for expats looking for low interest rates and ethical banking.

4. Best for luxury lovers: HSBC Premier Credit Card

• Key features:
• Exclusive discounts on luxury brands.
• Free golf and spa treatments.
• Airport meet and greet services.
• Why is it best for expats?
  If you enjoy a luxury lifestyle, this card offers premium benefits.

5. Best for frequent shoppers: Mashreq SmartSaver Credit Card

• Key features:
• Earn points on every spend, which can be used for shopping vouchers.
• Discounts at popular retail outlets.
• Free personal accident insurance.
• Why is it great for expats?
  This card is for expats who enjoy shopping and want to save as much as possible.

How to Choose the Best Credit Card for Expats

Consider the following factors when choosing a credit card:

1. Your Spending Habits: Choose a card that offers rewards on your biggest expenses (like travel, dining, shopping).
2. Fees and Charges: Look for cards with low annual fees, interest rates, and foreign transaction fees.
3. Rewards and Benefits: Compare cash back, miles, and other benefits to find the best value.
4. Eligibility Requirements: Make sure you meet minimum salary and documentation requirements.

FAQs about credit cards for expats in the UAE

1. Can expats apply for a credit card in the UAE?

Yes, expats can apply for a credit card in the UAE. The documents required by most banks include a valid residency visa, Emirates ID, and proof of income.

2. What is the minimum salary requirement for a credit card in the UAE?

The minimum salary requirement varies by bank and card type. It usually ranges from AED 5,000 to AED 15,000 per month.

3. Are there credit cards with no annual fee available for expats?

Some banks offer credit cards with no annual fee, but their benefits are limited. Compare fees and rewards before applying.

4. Can I use my UAE credit card internationally?

Yes, most UAE credit cards are accepted internationally. However, check foreign transaction fees to avoid unexpected charges.

5. What can be done to increase your chances of getting a credit card approved?

To increase your chances of getting approved, have a steady income, a good credit score, and have all the necessary documents ready.

6. **What if my credit card application is rejected?

What should I do if I get rejected?**
If your application is rejected, ask the bank why. You can improve your credit score or apply for a card with lower eligibility.

Conclusion

Choosing the best credit cards for expats in the UAE in 2025 depends on your financial goals and lifestyle. Whether you prefer travel rewards, cashback, or low interest rates, there is a card to suit your needs. By comparing options and understanding the terms, you can make the most of your experience as an expat in the UAE.

Don’t forget to read the terms and conditions and review your spending habits before applying. With the right credit card, you can enjoy financial flexibility and exclusive benefits.