Best Credit Cards in UAE Without Annual Fee: Looking for a credit card in the UAE without annual fees? You’re in the right place! Many banks offer zero-annual-fee credit cards with great perks like cashback, discounts, and travel rewards. In this guide, we’ll explore the best options, their benefits, and how to choose the right card for your needs.
Why Choose a Credit Card Without an Annual Fee?
Opting for a no-annual-fee credit card has several advantages:
Cost Savings – You don’t pay an annual fee, making it a budget-friendly option.
Rewards & Perks – Many of these cards still offer cashback, discounts, and travel benefits.
Ideal for Low-Spenders – If you don’t use your credit card frequently, why pay an annual fee?
Top Best Credit Cards in UAE Without Annual Fee
1. Liv Platinum Credit Card (Emirates NBD)
Annual Fee: AED 0
Key Benefits:
Up to 4% cashback on spending
Flexible payment plans
Free purchase protection
Ideal For: Those who want cashback rewards and exclusive offers
2. Mashreq Noon VIP Credit Card
Annual Fee: AED 0
Key Benefits:
5% cashback on Noon purchases
1% cashback on all other expenses
No minimum spending requirement
Ideal For: Online shoppers who frequently use Noon
3. ADCB Lulu Platinum Credit Card
Annual Fee: AED 0
Key Benefits:
Earn up to 7% cashback at Lulu stores
Exclusive travel and dining discounts
Free purchase protection
Ideal For: Grocery shoppers and frequent travelers
4. FAB Cashback Credit Card
Annual Fee: AED 0
Key Benefits:
5% cashback on supermarket, fuel, and dining
Complimentary airport lounge access
Free balance transfer facility
Ideal For: Everyday spending and frequent travelers
5. HSBC Zero Credit Card
Annual Fee: AED 0
Key Benefits:
No hidden charges or annual fees
Exclusive lifestyle and dining discounts
Easy installment plans
Ideal For: Those looking for a simple, no-frills credit card
How to Choose the Right Credit Card?
When selecting a no-annual-fee credit card, consider the following:
- Spending Habits – Do you shop online, travel often, or spend more on groceries?
- Rewards & Benefits – Choose a card that gives cashback or discounts relevant to your lifestyle.
- Eligibility Criteria – Check the minimum salary requirements and other criteria before applying.
- Additional Fees – While the annual fee is zero, ensure there are no hidden charges like late payment fees or high interest rates.
Frequently Asked Questions (FAQs): Best Credit Cards in UAE Without Annual Fee
1. Are no-annual-fee credit cards really free?
Yes, these cards do not have an annual fee, but other charges like late payment fees or foreign exchange fees may still apply.
2. Can I get a no-annual-fee credit card with a low salary?
Many UAE banks require a minimum salary of AED 5,000 to AED 8,000. However, some options are available for lower-income individuals.
3. Do these cards offer rewards and cashback?
Yes, despite having no annual fees, most of these cards provide cashback, discounts, and travel perks.
4. Which is the best no-annual-fee credit card for online shopping?
The Mashreq Noon VIP Credit Card is great for online shoppers, offering 5% cashback on Noon purchases.
5. Is a no-annual-fee credit card better than a premium credit card?
It depends on your spending habits. If you want exclusive travel benefits, premium cards might be better. If you want to save money, a no-annual-fee card is ideal.
Conclusion: Best Credit Cards in UAE Without Annual Fee
No-annual-fee credit cards in the UAE are an excellent choice for budget-conscious individuals looking to enjoy rewards without extra costs. Choose a card based on your spending habits and enjoy the benefits without worrying about annual fees!
To Read More Blogs:-
Best Life Insurance in UAE: Top Providers & Plans for 2025
Indian Banks in UAE: A Complete Guide for Expats & Businesses