Best Travel Credit Cards in UAE 2025 – Air Miles & Lounge Access

Top 5 Travel Credit Cards in UAE (2025 Edition)

With so many travel cards in the UAE, the best choice depends on your travel frequency, preferred airline, and lifestyle needs. Here’s a detailed breakdown of the top 5 travel credit cards in UAE for 2025, including eligibility, benefits, and who should apply.

1. Emirates NBD Skywards Infinite Credit Card

• Air Miles: Earn up to 2 Skywards Miles per USD on Emirates and FlyDubai bookings.
• Lounge Access: Unlimited access to 1,000+ global lounges with complimentary guests.
• Other Benefits: Free travel insurance, valet parking, golf offers.
• Minimum Salary: AED 30,000.
• Best For: High-income frequent flyers loyal to Emirates or FlyDubai.

2. Citi PremierMiles Credit Card

• Air Miles: 2 Citi Miles per USD on flights and hotels, 1 Citi Mile on other spends.
• Flexibility: Redeem with 100+ airlines and hotel partners – not tied to one airline.
• Lounge Access: Free access to over 1,000 lounges via LoungeKey.
• Minimum Salary: AED 15,000.
• Best For: Travelers who prefer flexible airline choices instead of being locked to one carrier.

3. ADIB Etihad Guest Visa Platinum

• Air Miles: Up to 2 Etihad Guest Miles per AED on spends.
• Lounge Access: Free access to select lounges.
• Other Benefits: Etihad upgrade vouchers, exclusive flight discounts, Islamic-compliant.
• Minimum Salary: AED 8,000.
• Best For: Expats and UAE residents who frequently travel with Etihad Airways and want Shariah-compliant banking.

4. FAB Signature Travel Card

• Rewards: Up to 5 FAB Rewards per AED spent (convertible to air miles, hotels, or cashback).
• Lounge Access: Unlimited global lounge entry for primary and supplementary cardholders.
• Other Benefits: Complimentary travel insurance, discounts on hotels and car rentals.
• Minimum Salary: AED 15,000.
• Best For: Travelers who want a mix of flexibility and premium benefits.

5. RAKBANK World Credit Card

• Cashback: Up to 5% cashback on travel bookings (hotels, flights, holiday packages).
• Lounge Access: Unlimited access to 1,000+ airport lounges.
• Other Benefits: Free travel insurance, concierge services, and purchase protection.
• Minimum Salary: AED 15,000.
• Best For: Frequent travelers who prefer cashback rewards alongside travel perks.

Pro Tip: If you’re a budget-conscious traveler, you may also explore Credit Cards in UAE Without Annual Fees. Many of them still offer travel perks without the extra cost.

Travel Credit Cards in UAE Comparison (2025)

Here’s a side-by-side comparison of the best travel credit cards in UAE for 2025. This will help you quickly identify which card suits your income, travel style, and preferred rewards system.

💡 For budget-friendly options, you may want to check our guide on Best Credit Cards in UAE for Low Salary Earners.

Benefits of Travel Credit Cards in UAE

Travel credit cards in the UAE offer more than just convenience – they can help you save thousands of dirhams every year while making your trips smoother and more rewarding. Whether you are a frequent flyer or an occasional traveler, these cards are designed to give you exclusive perks tailored to your lifestyle.

Key Benefits of Travel Credit Cards:

• Air Miles & Rewards: Earn miles or points on every spend that can be redeemed for free flights, upgrades, or hotel stays.
• Airport Lounge Access: Complimentary access to premium lounges worldwide, providing comfort, food, WiFi, and relaxation before your flight.
• Travel Insurance Coverage: Many cards include free travel insurance, covering trip cancellations, lost baggage, and medical emergencies abroad.
• Hotel & Car Rental Discounts: Partnered offers with global hotel chains and car rental companies for reduced travel costs.
• Priority Check-in & Upgrades: Some cards provide access to fast-track check-in counters, priority boarding, and upgrade vouchers.
• Cashback on Travel Spends: Special cashback offers on flight bookings, holiday packages, and online travel portals.
• Exclusive Lifestyle Benefits: Dining offers, shopping discounts, golf privileges, and concierge services for a premium lifestyle experience.

If you prefer everyday rewards beyond travel perks, explore our guide on the Best Cashback Credit Cards in UAE.

Budget-conscious travelers can also check the Best Credit Cards in UAE Without Annual Fees for free lifetime options that still offer travel benefits.

New expats should review our article on How to Build Credit Score in UAE to improve approval chances for premium travel cards.

Best Credit Cards in UAE for Air Miles

For frequent flyers in and out of the UAE, air miles credit cards are the most rewarding option. These cards allow you to earn miles on everyday spends and redeem them for free flights, upgrades, or hotel stays. The right choice depends on whether you’re loyal to one airline (like Emirates or Etihad) or prefer flexibility with multiple partners.

Top Picks for Air Miles in UAE:

1. Emirates NBD Skywards Infinite Credit Card

• Earn up to 2 Skywards Miles per USD on Emirates and FlyDubai purchases.
• Enjoy unlimited lounge access and fast-track check-in.
• Best suited for high-income Emirates loyalists.

2. ADIB Etihad Guest Visa Platinum

• Earn up to 2 Etihad Guest Miles per AED on local and international spends.
• Includes exclusive Etihad flight discounts and upgrade vouchers.
• Perfect for expats who travel frequently with Etihad Airways.

3. Citi PremierMiles Credit Card

• Earn 2 Citi Miles per USD on flights and hotels, and 1 Citi Mile on other spends.
• Redeem with over 100 airlines and hotels, giving maximum flexibility.
• Ideal for travelers who don’t want to be tied to one airline.

If maximizing rewards is your goal, you may also like our in-depth comparison on the Best Cashback Credit Cards in UAE, which combine cashback with travel perks.

Best Credit Cards in UAE with Airport Lounge Access

One of the most valuable perks of a travel credit card is free airport lounge access. Whether you’re flying economy or business, these lounges offer comfort, complimentary food, WiFi, and relaxation before your journey. For frequent flyers, choosing a card with unlimited lounge access can save significant money and improve travel comfort.

Top Picks for Lounge Access in UAE:

1. Emirates NBD Skywards Infinite Credit Card

• Unlimited access to 1,000+ lounges worldwide with free guest entry.
• Includes valet parking and concierge services.
• Perfect for premium Emirates travelers.

2. Citi PremierMiles Credit Card

• Free access to 1,000+ airport lounges globally via LoungeKey.
• Priority Pass membership available at discounted rates.
• Great for flexible travelers using multiple airlines.

3. FAB Signature Travel Card

• Unlimited global lounge access for both primary and supplementary cardholders.
• Complimentary travel insurance and hotel discounts included.
• Suited for families who travel frequently.

Budget-conscious flyers who want lounge benefits without high annual fees can explore the Best Credit Cards in UAE Without Annual Fees.

Best Travel Credit Cards in UAE for Frequent Flyers

For residents and expats who travel often, a travel-focused credit card can unlock huge value. From free flight tickets and hotel stays to travel insurance and priority services, these cards are designed to reward frequent flyers and make every trip smoother.

Top Picks for Frequent Flyers:

1. Emirates Citibank Ultima Credit Card

• Earn up to 2.5 Skywards Miles per USD on Emirates and FlyDubai spends.
• Complimentary chauffeur rides and unlimited lounge access.
• Perfect for luxury travelers who want exclusive perks.

2. Etihad Guest Infinite Credit Card (ADCB)

• Up to 3 Etihad Guest Miles per USD on Etihad purchases.
• Free upgrades, excess baggage allowance, and travel insurance.
• Best for Etihad loyalists traveling regionally and globally.

3. HSBC Platinum Select Travel Credit Card

• Strong reward points on international transactions and airline bookings.
• Complimentary hotel discounts and airport transfers.
• Ideal for frequent business travelers.

If you’re a new expat, consider reading our guide on How to Build Credit Score in UAE to increase your chances of qualifying for premium travel credit cards.

Best Credit Cards in UAE for Dining & Entertainment

Dining and entertainment perks are among the most attractive benefits of UAE credit cards. From discounts at top restaurants to cashback on movie tickets and streaming subscriptions, these cards are designed to enhance your lifestyle while helping you save more.

Top Picks for Dining & Entertainment:

1. Mashreq Platinum Elite Credit Card

• Up to 25% discount at 1,500+ restaurants across the UAE.
• Free valet parking and movie offers.
• Great for food lovers who dine out frequently.

2. Emirates Islamic Cashback Plus Credit Card

• Up to 10% cashback on dining and entertainment spends.
• Additional perks on fuel and education categories.
• Perfect for families who enjoy eating out and leisure activities.

3. HSBC Advance Credit Card

• Up to 12% cashback on dining and online food delivery.
• Complimentary movie tickets at VOX Cinemas every month.
• Ideal for urban professionals who mix work, dining, and leisure.

If you’re more interested in maximizing everyday savings, check out our guide on the Best Cashback Credit Cards in UAE.

Best Credit Cards in UAE for Online Shopping

Online shopping has become a major part of everyday life in the UAE. From Amazon.ae and Noon to international platforms, having the right credit card can help you earn cashback, discounts, and even extended warranties on purchases.

Top Picks for Online Shopping:

1. ADCB TouchPoints Platinum Credit Card

• Earn accelerated TouchPoints on every online purchase.
• Redeem points for shopping vouchers, bill payments, or travel.
• Great for frequent online shoppers across multiple categories.

2. FAB Cashback Credit Card

• Up to 5% cashback on online purchases including groceries and e-commerce.
• No annual fee if minimum spend is met.
• Ideal for families who rely on online shopping for everyday needs.

3. Citi Cashback Credit Card

• 2% cashback on online international transactions.
• Simple redemption process with statement credit.
• Perfect for users who shop globally on e-commerce platforms.

To explore more fee-friendly cards with shopping benefits, check out our full guide on the Best Credit Cards in UAE Without Annual Fees.

Eligibility Criteria for Travel Credit Cards in UAE

Before applying, make sure you meet the bank’s baseline requirements. While criteria vary by issuer, most travel credit cards in the UAE follow similar rules:

General Requirements

• Minimum Salary: Typically AED 8,000–30,000 per month, depending on the card tier (mid-tier vs premium).
• Age: 21+ for primary cardholders (some banks allow 18+ with guarantor).
• Residency: UAE resident with valid Emirates ID and residence visa.
• Credit History: AECB credit score in good standing (higher score improves approval odds and limits).
• Employment: Salaried with stable income; self-employed applicants may need extra documents (trade license, audited financials).

Bank-Specific Considerations

• Salary Transfer: Some banks prefer or require salary transfer to a linked account for premium cards.
• Minimum Spend: A few travel cards waive fees or unlock perks after meeting a monthly/annual spend threshold.
• Existing Liabilities: High DBR (Debt Burden Ratio) can reduce approval chances; keep total monthly obligations under 50% of income.

Tips to Improve Approval Chances

• Check Your AECB Score: Dispute errors and lower utilization before applying.
• Reduce Applications: Submit one strong application rather than many at once to avoid multiple hard pulls.
• Match the Card to Your Profile: Align income and travel frequency with the card’s salary requirement and benefit tier.
• Build Thin Files: New to the UAE? Start with an accessible card, pay on time for 3–6 months, then upgrade to a premium travel card.

If your salary is under AED 8,000 or you’re new to credit, consider starting with cards from our Best Credit Cards in UAE Without Annual Fees and then stepping up after your score improves.

How to Choose the Right Travel Credit Card in UAE

With so many travel credit cards available in the UAE, it can be overwhelming to pick the one that truly matches your lifestyle and spending habits. A structured approach makes the decision much easier.

Step 1: Define Your Travel Goals

• Do you want air miles for free flights?
• Prefer cashback to reduce travel costs?
• Need lounge access and travel insurance for frequent trips?

Step 2: Match Income to Card Tiers

• Mid-tier cards (AED 8,000–15,000 salary) → Cashback & basic air miles.
• Premium cards (AED 15,000–30,000+) → Lounge access, hotel discounts, concierge services.

Step 3: Compare Reward Systems

• Air Miles / Points: Best for frequent flyers loyal to specific airlines.
• Cashback: Flexible for all travelers.
• Hybrid Models: Some cards let you convert points into cashback or miles.

Step 4: Check Hidden Costs

• FX Markup: Look for cards with 0%–2% foreign exchange fees.
• Annual Fees: Some waive if you meet spend requirements.
• Interest Rates: Especially important if you don’t pay in full each month.

Step 5: Explore Extra Perks

• Travel Insurance for flights and medical emergencies.
• Hotel Discounts at global chains.
• Airport Transfer Services with premium cards.

For budget-friendly alternatives, see our full guide on the Best Credit Cards in UAE for Low Salary Earners.

Documents Required to Apply for a Travel Credit Card in UAE

Prepare these documents to speed up approval and avoid back-and-forth with the bank. Requirements can vary slightly by issuer, but most will ask for the following:

For Salaried Employees

• Emirates ID: Front and back copy.
• Passport & Residence Visa: Clear copies with validity.
• Salary Certificate or Latest 3 Payslips.
• Bank Statements: Last 3–6 months showing salary credits.
• Employment Details: Employer name, designation, joining date.

For Self-Employed Applicants

• Emirates ID and Passport/Visa copies.
• Trade License (valid/current).
• MOA/Share Certificate (if applicable).
• Audited Financials or Bank Statements (6–12 months).
• Tenancy Contract or Utility Bill for address verification.

Optional but Helpful

• AECB Credit Report (to pre-check your score and liabilities).
• Salary Transfer Letter (if the bank requires or offers better limits with transfer).
• Existing Card Statements (to enable balance transfer offers).

💡 New to credit in the UAE? Strengthen your application by building history first. Read: How to Build Credit Score in UAE.

Common Mistakes to Avoid When Applying for a Travel Credit Card in UAE

Even well-qualified applicants often get rejected or end up with the wrong card because of avoidable errors. Here are the most common mistakes to steer clear of:

1. Ignoring Salary Requirements

Applying for a premium travel card without meeting the minimum salary eligibility (often AED 15,000+) leads to automatic rejection. Always check requirements first.

2. Overlooking Hidden Fees

Some cards advertise travel perks but come with high annual fees, foreign exchange charges, or interest rates. Read the fine print before applying.

3. Applying for Too Many Cards at Once

Multiple applications trigger several hard inquiries on your AECB credit report, lowering your score and hurting approval chances.

4. Choosing Perks You Won’t Use

If you rarely travel internationally, opting for a card with air miles and premium lounge access won’t benefit you. Match benefits to your actual lifestyle.

5. Not Checking Credit Score

Banks in the UAE rely heavily on your AECB credit score. Applying with a poor or unverified score often leads to rejection.

To avoid these mistakes, it’s wise to start with a more accessible option. Explore our guide on the Best Credit Cards in UAE Without Annual Fees before moving up to premium travel cards.

Best Islamic Travel Credit Cards in UAE

If you prefer Shariah-compliant banking, several UAE banks offer Islamic travel cards that provide miles, lounge access, and travel protection while avoiding interest (riba) and using profit-rate or Ujrah-based structures.

Top Shariah-Compliant Travel Cards:

1. ADIB Etihad Guest Visa Platinum (Islamic)

• Earn up to 2 Etihad Guest Miles per AED on eligible spends.
• Complimentary access to select airport lounges.
• Etihad flight discounts and upgrade vouchers on promotions.
• Best for: Etihad loyalists seeking an Islamic-compliant travel card.

2. Emirates Islamic Skywards Infinite

• Earn Skywards Miles on domestic and international transactions.
• Unlimited lounge access and complimentary travel insurance.
• Premium lifestyle benefits (concierge, golf, valet on select tiers).
• Best for: Frequent Emirates/FlyDubai travelers who want Shariah-compliant benefits.

3. Dubai Islamic Bank (DIB) Visa Signature / Infinite

• Rewards on everyday spends with conversion options for travel.
• Global lounge access via LoungeKey (on eligible variants).
• Travel medical insurance and purchase protection.
• Best for: Travelers who want versatile Islamic cards with solid protection benefits.

Want to compare more halal options? Explore our dedicated guide: Best Islamic Credit Cards in UAE.

Travel Credit Cards vs Cashback Credit Cards in UAE – Which to Choose?

Many UAE residents are unsure whether to pick a travel credit card or a cashback card. The right choice depends on your spending habits and lifestyle preferences. Here’s a simple comparison:

Conclusion: If you travel internationally multiple times a year, a travel credit card offers unbeatable perks. However, if your spending is mostly local and you want straightforward savings, a cashback credit card may be a smarter choice.

Not sure which one fits you best? Read our in-depth comparison: Best Cashback Credit Cards in UAE.

Step-by-Step Guide to Apply for a Travel Credit Card in UAE

Follow these steps to improve approval odds and get your card quickly:

1. Check Eligibility: Confirm you meet the card’s minimum salary, age, and residency requirements. If you’re unsure, review our Eligibility Criteria.
2. Pick the Right Card: Shortlist options based on air miles, lounge access, and fees. Use our Comparison Table to decide.
3. Prepare Documents: Gather Emirates ID, passport/visa, salary certificate or payslips, and bank statements. See Documents Required.
4. Improve Your AECB Score (If Needed): Pay down balances and avoid multiple applications. New to credit? Read How to Build Credit Score in UAE.
5. Apply Online or at a Branch: Most banks offer quick digital applications with instant or same-day pre-approval.
6. Verification & KYC: Expect a verification call and, if needed, a pickup of original documents for KYC.
7. Approval & Card Delivery: On approval, your card is dispatched. Activate it via mobile app, phone banking, or ATM.
8. Activate Benefits: Enroll in lounge programs (e.g., LoungeKey), airline loyalty linking (Skywards/Etihad Guest), and travel insurance registration.
9. Set Smart Controls: Enable transaction alerts, set spending limits, and add the card to Apple Pay/Google Wallet for secure travel usage.
10. Hit Spend Milestones: Meet any minimum spend to unlock welcome miles or annual-fee waivers. Track progress in the bank’s app.

Looking for low-cost options before you upgrade? Explore Best Credit Cards in UAE Without Annual Fees.

Conclusion: Choosing the Best Travel Credit Card in UAE

Travel credit cards in the UAE unlock premium perks such as free flights, hotel discounts, and unlimited airport lounge access. But the best choice depends on your lifestyle, income, and travel frequency. Frequent flyers can maximize miles and luxury benefits with premium cards, while occasional travelers may prefer low-fee or hybrid cashback options.

Before applying, always compare eligibility requirements, reward structures, and hidden costs. Start with no-annual-fee or cashback cards if you’re new to credit, and gradually move up to premium travel cards once you’ve built a strong credit score.

To find the right match for your needs, explore our related guides:

• Best Credit Cards in UAE for Low Salary Earners
• Best Islamic Credit Cards in UAE
• Best Cashback Credit Cards in UAE