Best No Annual Fee Credit Cards in UAE
Free-for-life cards are the easiest way to earn rewards without having to justify a yearly fee. They suit low-to-moderate spenders, first-time card holders, and anyone wanting a secondary card alongside a premium one. Check the cashback caps and minimum spend conditions — on free cards the headline rate often only applies to a few categories.
6 cards found
Mashreq Cashback Card
Mashreq
Cashback Rate
5%
Annual Fee
Free
- ✓Up to 5% cashback on dining (capped)
- ✓2% cashback at supermarkets
- ✓Zero annual fee
Mashreq Noon Credit Card
Mashreq
Cashback Rate
5%
Annual Fee
Free
- ✓Free for life — no annual fee
- ✓5% cashback on noon, noon Food, noon Minutes, NowNow & Namshi
- ✓1% cashback on all other spend
Al Hilal Bank Cashback Credit Card
Al Hilal Bank
Cashback Rate
5%
Annual Fee
Free
✈ Lounge Access
- ✓Free for life — no annual fee
- ✓5% cashback on 2 chosen categories (dining, grocery, fuel, international, education)
- ✓25+ complimentary airport lounge visits
Wio Credit Card
Wio Bank
Cashback Rate
2%
Annual Fee
Free
- ✓2% cashback on all spends (AED 49/month waived at AED 35,000+ balance)
- ✓Instant digital card issuance
- ✓0.5% cashback on bill payments
Visa
Best for: No Annual FeeCashback Rate
1.25%
Annual Fee
Free
- ✓35% back on first 10 Talabat orders each month
- ✓Unlimited free delivery via Talabat Pro
- ✓AED 500 welcome bonus on AED 2,500 spend in 45 days
Visa
Best for: Travel & LoungePoints Rate
1 pt/AED1
Annual Fee
Free
✈ Lounge Access🌍 Travel Rewards
- ✓1.5 air miles per AED 1 on international spends
- ✓6 lounge visits annually
- ✓Travel insurance up to USD 1,000,000
Guides
Card details are for informational purposes. Always verify current terms with the bank before applying. How we compare cards