Credit cards are one of the best credit-building tools available to people. Unlike loans, they don’t require you to incur any debt. That means, as long as you pay your credit card’s monthly bills by the payment due date and avoid exceeding your credit card limit, your credit score will gradually improve.
But getting approved for a credit card is not always easy as it seems especially when you have a bad credit score and don’t meet the eligibility criteria set by the credit card issuer. People with poor credit score have a limited option for credit cards. The lower your credit score, the harder it will be to get approved for a credit card.
But do you know that there are some credit cards in the UAE that gets easily approved than others?
Well, yes! Luckily, there are a few credit cards are available in the UAE that get easily approved for limit or no credit history. That being said, even in the limit and bad-credit markets, you will likely have enough options.
Here is the list of credit card that gets easily approved in the UAE:
- ADCB TouchPoints Infinite Card with MyChoice
The ADCB TouchPoints Infinite Card with MyChoice brings you infinite opportunities. This ADCB Credit Card offers superior benefits, exclusive services, and also the ability to choose how you earn and spend rewards to meet your various needs. This card is offered on no annual membership fee and on low fees & charges.
The ADCB TouchPoints Infinite Card with MyChoice comes with benefits such as:
- Up to 15 TouchPoints on every AED spent with MyChoice program made at categories like supermarket, telecom bill payments via bank channels, fuel, utility bill payments, and duty-free (domestic international), capped at 20,000 per month.
- Complimentary golf benefits all year at ‘Al Ain Equestrian Shooting & Golf Club’, ‘The Track, Meydan Golf Dubai’, ‘Yas Links Golf Club Abu Dhabi’, ‘, and ‘Arabian Ranches Golf Club Dubai’.
- Unlimited access to premium airport lounges across the world.
- Exclusive benefits at Yas Waterworld, Ferrari World, and Warner Bros.
- Free access to Global concierge service
- 25 percent off on fine dining
Fees & charges levied by the bank on this credit card:
- Annual fee: 0 AED
- Monthly Profit Rate: 3.25 percent
- ADIB Etisalat Classic Card
Credit card apply online is one of the best tools through which you can apply for this credit card. This easy to approved card comes with plenty of perks and benefits that enable its card to make the most of it.
The ADIB Etisalat Classic Card comes with benefits such as:
- 5,000 Sign Up Etisalat Reward Points.
- 1.5 Etisalat Smiles Points for every AED spent domestically and internationally.
- 1 Etisalat Smiles Points for every AED spent on some specific merchant such as supermarkets, education, government servi9ces, etc.
- The grace period is provided a maximum of fifty-five days.
- Cash can be withdrawn up to 100 percent of the finance limit.
Fees & charges levied by the bank on this credit card:
- Annual fee: 0 AED
- Monthly Profit Rate: 2.99 percent
- CBD Visa Platinum Credit Card
The CBD Visa Platinum Credit Card offered by the Commercial Bank of Dubai is yet another credit card that gets easily approved. This card is basically designed to redefine your lifestyle as it provides a wide range of amazing benefits & perks to its cardholder.
The CBD Visa Platinum Credit Card comes with benefits such as:
- ‘CBD Reward Points Program’ – Rewards points for every AED spent.
- 50percent off on VOX cinemas across the UAE (offer is applicable only on Sunday Shows).
- A wide range of visa benefits including dining, travel, hospitality, lifestyle, and wellness on the Platinum platform.
- This card is equipped with Chip & Pin technology to ensure secure transactions.
- Complimentary purchase protection and travel insurance.
Fees & charges levied by the bank on this credit card:
- Annual fee: 0 AED
- Monthly Interest Rate: 3.45 percent
- NAJM Cashback Platinum Credit Card
It is among the most benefiting cash back credit card which is available for the purpose of everyday spending. This card offers a wide range of discounted offers on travel, dining, & leisure. There is no annual fee charged on this credit card. That means it is free for life credit card.
The NAJM Cashback Platinum Credit Card comes with benefits such as:
- Monthly cashback of up to 200 AED.
- Visa Platinum discounted offers on dining, travel, cinemas, and shopping.
- DragonPass airport dining discounted offers on more than 200 airport restaurants.
- 10 percent off on 985,000 hotels across the world through the official website of Agoda.com
- 15 percent off with YQ airport services such as visa on arrival, meet & greet, limos, etc.
- 20 percent off on AVIS car rental.
- Golf benefits – discounted offer on green fees across 11 premium golf courses.
Fees & charges levied by the bank on this credit card:
- Annual fee: 0 AED
- Monthly Retail Interest Rate: Variable 3.25 – 3.79 percent
- Mashreq SmartSaver Credit Card
Credit card apply online is the best tool through which you can apply for this credit card. This card is absolutely free for life. It offers a high range of cash back at auto rentals, online shopping, supermarkets, and much more.
The Mashreq SmartSaver Credit Card comes with benefits such as:
- Cash back of 0.5 percent for every AED spent in the UAE.
- 1 percent for every AED spent outside the UAE.
- A maximum of 8 percent bonus cash back on fashion, grocery, jewelry, etc.
- A maximum of 6 percent cash back on online purchases
- Free travel insurance
Fees & charges levied by the bank on this credit card:
- Annual fee: 0 AED
- Monthly Retail Interest Rate: Variable 3.45 percent
The Final Verdict
Credit Card Comparison UAE is one of the best ways to find out the best card that meet your various need. It basically enables you to compare various credit cards on the basis on their features, benefits, charges, interest rates, etc. So, make sure you compare the cards before applying for a credit card to make the right decision.
