Planning trips from the UAE? We have compared 10 travel credit cards from top banks in the United Arab Emirates — covering air miles, lounge access, hotel cashback, and zero foreign transaction fees.
The best travel cards in the UAE offer 5–12% cashback on flights and hotels, complimentary airport lounge access, and travel insurance. Here are the top picks for 2026.
Top 10 Travel Credit Cards in UAE (2026)
1. ADCB Traveller Credit Card
Bank: Abu Dhabi Commercial Bank
- Annual Fee: AED 1,575 (incl. VAT)
- Travel Cashback: 10% on airlines and hotels worldwide
- Domestic Cashback: 1.5% on all other spending
- Benefits: AED 2,000 hotel stay voucher, free Careem airport transfers, complimentary airport lounge access
The ADCB Traveller is the top travel cashback card in the UAE — 10% back on every flight and hotel booking worldwide. Includes free Careem rides to the airport.
2. ADIB Booking Infinite Card
Bank: Abu Dhabi Islamic Bank
- Travel Cashback: 7% on flights, 5% on fuel
- Flexibility: Earn and use points with any airline, any hotel, anywhere
- Benefits: Hotel booking discounts, dining cashback, airport lounge access, free valet, Shariah-compliant
The ADIB Booking Infinite Card is the best Shariah-compliant travel card — 7% back on flights with the flexibility to book any airline or hotel worldwide.
3. ADCB Infinite Credit Card
Bank: Abu Dhabi Commercial Bank
- Rewards: 3 Reward points per AED 1 at Accor hotels in UAE
- Benefits: Suite upgrades, Executive Lounge access at Raffles, Fairmont, Sofitel; up to 50,000 welcome points
Premium hotel-focused card ideal for frequent Accor guests in the UAE. Suite upgrades and Executive Lounge access at Raffles, Fairmont and Sofitel properties.
4. Mashreq Solitaire
Bank: Mashreq
- Annual Fee: Zero
- Cashback: 5% on noon/dining, up to 1% on all other
- Lounges: 1,000+ airport lounges for you, supplementary cardholders and a guest
- Insurance: Multi-trip travel insurance up to 90 days
- Benefits: 2 free valet parking per cycle
The Mashreq Solitaire is the best free travel card in the UAE — access to 1,000+ lounges, multi-trip insurance, and zero annual fees. Hard to beat.
5. ADIB Etihad Guest Gold Card
Bank: Abu Dhabi Islamic Bank
- Miles: Up to 1.5 Etihad Guest Miles per AED 4 spent
- Welcome Bonus: Double signup Etihad Guest miles
- Shariah-Compliant: Yes
Best card for Etihad frequent flyers — earn Etihad Guest Miles on every purchase and redeem for flights, upgrades and experiences.
6. ADIB Booking Signature Card
Bank: Abu Dhabi Islamic Bank
- Cashback: 5% on flights, 4% on fuel
- Benefits: 10% hotel discount, 25% restaurant discounts, ADIB Rewards points
Mid-tier travel card from ADIB with solid flight cashback and hotel discounts. Shariah-compliant alternative to conventional travel cards.
7. Emirates NBD Mastercard Titanium
Bank: Emirates NBD
- Annual Fee: Free for life
- Rewards: Plus Points convertible to Frequent Flyer Miles or cashback
- Lounges: 10+ VIP lounges across the Middle East
- Benefits: 30% dining discounts at 2,000+ restaurants, 0% interest payment plans up to 24 months
Free-for-life card that earns Plus Points convertible to airline miles. Access to 10+ VIP lounges across the Middle East plus travel desk discounts.
8. NBF Infinite Credit Card
Bank: National Bank of Fujairah
- Cashback: Up to 3% unlimited on all retail purchases
- Lounges: Unlimited airport lounge access for you and a guest via LoungeKey
- Benefits: 24/7 personal concierge, double warranty, Buy 1 Get 1 at VOX/Reel Cinemas
The NBF Infinite offers unlimited lounge access for two — one of the few UAE cards that includes a guest. Solid 3% unlimited cashback on all purchases.
9. ADIB Etihad Guest Classic Card
Bank: Abu Dhabi Islamic Bank
- Miles: 1 Etihad Guest Mile per AED 4 spent
- Welcome Bonus: 10,000 Etihad Guest Miles
Entry-level Etihad miles card with a generous 10,000-mile welcome bonus — one of the highest in the region for a starter travel card.
10. ADIB EDGE Card
Bank: Abu Dhabi Islamic Bank
- Rewards: 2.5 reward points per AED 1 spent
- Dining: 10% dining cashback
- Benefits: Shopping discounts, lounge access, purchase protection
The ADIB Edge Card offers a world of infinite possibilities with one of the highest reward-point rates in the UAE at 2.5 points per AED 1.
How to Choose a Travel Credit Card in the UAE
- Emirates vs. Etihad loyalty — Choose a card that earns miles with your preferred airline (Emirates Skywards or Etihad Guest)
- Foreign transaction fees — Most UAE cards charge ~2.99% on foreign currency transactions. FAB Travel and Wio cards offer 0% FX fees
- Lounge access — Compare the number of complimentary visits and whether guests are included
- Travel insurance — Check coverage limits for medical emergencies, trip cancellation, and lost baggage
- Minimum salary — Premium travel cards typically require AED 15,000–30,000 monthly salary
- Regulation — All cards listed are from banks regulated by CBUAE
Frequently Asked Questions
What is the best travel credit card in UAE for 2026?
The ADCB Traveller Credit Card offers the highest travel cashback at 10% on flights and hotels. For free cards, the Mashreq Solitaire provides 1,000+ lounge access with zero annual fees. For Etihad miles, the ADIB Etihad Guest Gold is the top pick.
Which UAE credit card has the best airport lounge access?
The Mashreq Solitaire offers access to 1,000+ lounges for the cardholder, supplementary cardholders and a guest — all with zero annual fees. The NBF Infinite offers unlimited lounge access for you and a guest via LoungeKey.
Do UAE credit cards charge foreign transaction fees?
Most UAE credit cards charge around 2.99% on foreign currency transactions. Notable exceptions include the FAB Travel Card and Wio Bank cards which offer reduced or zero FX fees.
Can I earn Emirates Skywards miles with a credit card?
Yes — Emirates NBD offers Skywards credit cards that earn Emirates miles directly. The Skywards Infinite Card earns up to 100,000 miles and includes complimentary Skywards Silver membership.
What salary do I need for a premium travel card in the UAE?
Premium travel cards like ADCB Infinite and ADCB Traveller typically require a minimum monthly salary of AED 15,000–30,000. Entry-level travel cards like ADIB Etihad Guest Classic have lower requirements.
Compare all 267 Credit Cards in the UAE →
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How We Compare Travel Credit Cards in UAE 2026
Our editorial team reviews each travel credit card based on miles earning rates, cashback on travel, lounge access, foreign transaction fees, travel insurance, and annual fees. Data is sourced from official bank websites and updated regularly.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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