Every major UAE credit card in one catalogue, curated by Himma. Filter 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 life
No salary transfer needed
No standard waiver
Free for life
Free for life
Free for life
No standard waiver
Free for life
No standard waiver
AED 630 / 315 / free · AED 630 standard/Aspire · AED 315 Privilege Club · Free Excellency
Free for life
AED 787.50 (Privilege/Excellency) / 1,575 (Aspire) · Year 1 free, then spend-based
Ujrah covered card, fixed monthly fee
No salary transfer needed
No salary transfer needed
Ujrah covered card, fixed monthly fee
Ujrah covered card, fixed monthly fee
Ujrah covered card, fixed monthly fee
Ujrah covered card, fixed monthly fee
Ujrah covered card, fixed monthly fee
Ujrah covered card, fixed monthly fee
Ujrah covered card, fixed monthly fee
Free for life
Ujrah covered card, fixed monthly fee
Free for life
Waived on AED 5,000 retail spend within 60 days
No standard waiver
Salary transfer required
Free for life
No salary transfer needed
Free first year; from year 2 waived on AED 9,000 annual spend, otherwise AED 300
No salary transfer needed
No standard waiver
No standard waiver
Spend-based waiver
Free first year; fee after first year not shown on this page
Year 1 free
Free for life
Free first year; fee after first year not shown on this page
Free for life card
No salary transfer needed
No salary transfer needed
Year 1 free, then spend-based
Spend-based waiver
Year 1 free
Fee amount not shown; waived on AED 24,000 annual spend
No standard waiver
No salary transfer needed
No salary transfer needed
Free for life
No salary transfer needed
Spend-based waiver
Free for life
Spend-based waiver
Waived when annual spend >= AED 60,000
No annual membership fee
No Annual Fee
Free for life
Yr 1 waived on AED 3,000 spend / 90 days
No annual membership fee
No salary transfer needed
Waived when annual spend reaches AED 180,000
No salary transfer needed
Free for life
AED 2,100 to 5,775 · No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
No standard waiver
No salary transfer needed
Free for life
Free for life
No standard waiver
No standard waiver
No standard waiver
No salary transfer needed
Temporarily waived as a limited-time promotional offer
No standard waiver
No salary transfer needed
No Annual Fee
No standard waiver
Salary transfer required
Free for life
No standard waiver
No standard waiver
No standard waiver
No salary transfer needed
No Annual Fee
Free for life
Exclusive to Emirates NBD Priority Banking customers
No Annual Fee
No standard waiver
Free for life
No standard waiver
No standard waiver
Salary transfer required
Free for life card
No salary transfer needed
No standard waiver
No standard waiver
First year free
No Annual Fee
No salary transfer needed
No Annual Fee
No standard waiver
No standard waiver
Free for life
Free for life
Year 1 free
Free for life
Free for life
Free for life
Year 1 free
No salary transfer needed
Free for life
No standard waiver
Waived on AED 150,000 annual spend
Waived on AED 25,000 annual spend
Spend-based waiver
No standard waiver
Free first year
Free for life
No salary transfer needed
No standard waiver
Free for life
No standard waiver
No standard waiver
Year 1 free
Free first year; from year 2 waived on AED 24,000 annual spend
No salary transfer needed
No salary transfer needed
No salary transfer needed
Free first year; from year 2 waived on AED 12,000 annual spend
No salary transfer needed
No annual fees charged
Free for life
First-year annual fee waived if you subscribe to Liv Max
Free for life
No salary transfer needed
Free for life
No annual fees charged forever
No standard waiver
No standard waiver
Free for life
Free for life
Free for life
Free
Spend-based waiver
Monthly subscription of AED 79 to 299 by tier, waived on monthly spend thresholds
Free for life
Free for life
Waived on AED 100,000 annual spend
No salary transfer needed
First year free
No salary transfer needed
No annual fee on first two supplementary cards; AED 105 from third onward
No salary transfer needed
First year free
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; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 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.
