Credit Cards Without Annual Fee UAE

Credit Cards Without Annual Fee UAE 

Credit card annual fee is a small fee charged to your credit card account annually by the credit card bank. This fee is basically charged for using the credit card facility. Not all credit cards come with an annual fee but there are exceptions like premium credit cards, airline reward cards and maybe secured credit cards. There are credit card companies which waive the annual fee for a year and then it is automatically debited to your credit account annually.

Credit card offer with no annual fee can be enticing but don’t fall for this tactic before checking if there are any hidden costs and fees which compensate the credit card company for not charging an annual fee.

Having said this, there could be genuine credit card offers by banks in UAE which offer credit cards with 0 annual fee.

Credit Cards Without Annual Fee UAE, Dubai:

Credit cards with no annual fee by Abu Dhabi Commercial Bank (ADCB):

ADCB was formed in 1985 by merging Emirates Commercial Bank and Federal Commercial Bank with Khaleej Commercial Bank. Its headquarters are in Abu Dhabi, United Arab Emirates. ADCB has spread its business in India and UK. Its line of business includes commercial, retail, fund management, investment and also brokerage.

Abu Dhabi Commercial Bank

Bank Name
Credit Card
Website
ADCB
ADCB Meethaq Premium Gold Credit Card
Apply
ADCB
ADCB Meethaq Gold Credit Card
Apply
ADCB
ADCB Meethaq Classic Credit Card
Apply
ADCB
ADCB Lulu Co-Brand Gold Card
Apply
ADCB
ADCB Lulu Co-Brand Standard Card
Apply
ADCB
ADCB LuLu Co-Brand Platinum Card
Apply
ADCB
ADCB Etihad Guest Above Classic Card
Apply
ADCB
ADCB Etihad Guest Above Gold Card
Apply
ADCB
ADCB Classic/Standard
Apply
ADCB
ADCB Gold Card
Apply
ADCB
ADCB Excellency Infinite Credit Card
Apply
ADCB
ADCB Meethaq Platinum Credit Card
Apply

Credit Cards without Annual Fees by Abu Dhabi Islamic Bank:

ADIB was established in 1997. Known for its excellent service and simplicity in doing business, ADIB has bagged several awards including Mohammed Bin Rashid Al Maktoum for business excellence in 2013. 

Bank NameCredit CardWebsite
ADIBADIB Cashback Platinum Card
Apply
ADIBADIB Etisalat Classic Card
Apply

Credit cards with 0 Annual Fees by Al Hilal Bank:

Founded in 2008, Al Hilal Bank is a 100% government-owned Islamic bank which is based in Abu Dhabi.

Bank NameCredit CardWebsite
Al Hilal BankAl Hilal Bank Free for Life Classic
Apply
Al Hilal BankAl Hilal Bank Free for Life Gold
Apply
Al Hilal BankAl Hilal Bank Free for Life Platinum
Apply

Credit cards without Annual Fees by Arab Bank:

Arab bank was established in Jerusalem in 1930. With the tag line ” Success is a journey”, Arab bank has been instrumental in bringing great value to the people and society at large. Abdul Hameed Shoman, the founder was also named the bank’s first chairman. It has spread his arms around the world including countries like UAE, London, Singapore, Sydney and Bahrain.

Bank NameCredit CardWebsite
Arab Bank
Arab Bank MasterCard Titanium Credit Card
Apply

Credit cards without Annual Fees by Barclay’s Bank:

Barclay’s bank has a history 300 years and seeds of this huge organization were sown in 1960 when John Freame and Thomas Gould started business as goldsmith bankers in Lombard Street, London. In 1896 Barclay & Company Limited was formed by merging 20 banks. It was only in 1966 Barclays launched Barclaycard, the first credit card in UK.

Bank NameCredit CardWebsite
Barclays
Barclays Visa Platinum Card
Apply

0 Annual Fees Credit Cards by Commercial Bank of Dubai (CBD):

CBD was established in 1969. With its business in several financial sectors, CBD is driven by 4 core values: Clients, Consistency, Cooperation and Capability enhancement.

Bank NameCredit CardWebsite
CBD
CBD Visa Classic Card
Apply
CBD
CBD MasterCard Gold
Apply
CBD
CBD Visa Gold Credit Card
Apply
CBD
CBD World MasterCard
Apply
CBD
CBD Visa Classic Islamic Credit Card
Apply
CBD
CBD Visa Infinite Islamic Credit Card
Apply
CBD
CBD Visa infinite Credit Card
Apply
CBD
CBD Visa Gold Islamic Credit Card
Apply

Credit Cards without Annual Fees by Commercial Bank International (CBI):

CBI was established in 1991 in Emirate of Ras Al Khaimah. CBI has a strong foundation and has come a long distance pavings it way through rough channels and challenges. Its monumental success can be attributed to its core values; Relationship building, Simplicity, Efficiency and Convenience.

Bank NameCredit CardWebsite
CBI
CBI Fee Free MasterCard Titanium Card
Apply

Credit cards without Annual Fees offered by HSBC:

HSBC is one of the largest organizations in banking and financial services business. It was founded in 1836 in Birmingham, England. It has a network of more than 7,500 branches across 80 countries.

Bank NameCredit CardWebsite
HSBC
HSBC Credit Card
Apply
HSBC
HSBC Platinum credit card
Apply
HSBC
HSBC Premier World Master Card
Apply

Credit Cards with 0 Annual Fees by Mashreq Bank:

One of the most successful and highest performing banks in UAE today, Mashreq bank came into being in 1967. It has 12 overseas offices spread over 9 countries.

Bank NameCredit CardWebsite
Mashreq Bank
Mashreq SmartSaver Card
Apply
Mashreq Bank
Mashreq Classic Credit Card
Apply
Mashreq Bank
Mashreq Etisalat Classic Credit Card
Apply
Mashreq Bank
Mashreq Gold Credit Card
Apply

Credit Cards without Annual Fees by National Bank of Abu Dhabi (NBAD):

Ranked as one of the World’s 50 Safest Banks and the Safest Bank in the Emerging Markets, NBAD is one of the premier banks in UAE. Within UAE it has a network of around 125 branches and approximately 600 Atms. NBAD was incorporated in 1968.

Bank NameCredit CardWebsite
NBAD
NBAD Classic Visa Credit Card
Apply
NBAD
NBAD Gold Credit Card
Apply
NBAD
NBAD GEMS Titanium Credit Card
Apply
NBAD
NBAD Platinum Credit Card
Apply

Credit Cards with no Annual Fees by Noor Bank:

Previously known as Noor Islamic bank, Noor bank is a baby when compared to other major established banks in terms of age. It was formed in 2008. But this baby has made great strides and has grown in leaps and bounds and is competing shoulder to shoulder against industry majors.

Bank NameCredit CardWebsite
Noor BankNoor Bank wafa Credit Card (No annual fee for one year)
Apply
Noor BankNoor BankMy Wallet Card
Apply
Noor BankNoor Bank Classic Credit Card
Apply
Noor BankNoor Bank Gold Credit Card
Apply
Noor BankNoor Bank Gold Rewards Credit Card (No annual fee for one year)
Apply
Noor BankNoor Bank Classic Rewards Credit Card (No annual fee for one year)
Apply
Noor BankNoor Bank Platinum Credit Card
Apply
Noor BankNoor Bank Platinum Rewards Credit Card(No annual fee for one year)
Apply

Credit Cards without Annual Fees by National Bank of Ras Al-Khaimah (RAK Bank):

RAK bank was established in 1976 to cater to the financial needs of corporate. In 2001, it started focusing on retail banking and small businesses. Having its headquarters in Ras Al-Khaimah, the majority stake in the bank is held by Government of Ras Al-Khaimah.

Bank NameCredit CardWebsite
RAK BankRAKBANK Geant La Carte Credit Card
Apply
RAK BankRAKBANK Titanium Credit Card

Apply

RAK BankRAKBANK MasterCard Credit Card

Apply

RAK BankRAKBANK Visa Credit Card

Apply

RAK BankRAKBANK nmc MasterCard

Apply

RAK BankRAKBANK Amal Standard Credit Card

Apply

RAK BankRAKBANK Amal Titanium Credit Card

Apply

0 Annual Fees Credit Cards offered by Samba Dubai:

Samba has pioneered in introducing services like (not limited to) private banking, ATMs, Charge cards, Islamic credit cards, credit cards, FX derivates in the Kingdom of Saudi Arabia. Samba had its first branch established in Jeddah in 1955 by Citibank. It has also played a major role in contributing towards modern banking in the Kingdom.

Bank NameCredit CardWebsite
SAMBA
Samba Al Khair Titanium Credit Card
Apply

Credit Cards without Annual Fee by Union National Bank (UNB):

One of the leading domestic banks in the United Arab Emirates, UNB was established in 1982. Having its headquarters in Abu Dhabi, it offers a wide range of banking and financial products and services.

Conclusion:

If you want to choose a standard credit card which offers average to above average privileges, it is better to go for one without annual fees. Even though small, you will have saved some money!

What kind of a credit card do you have? One with an annual fee or one without? Please let me know more in comments

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