Visa Platinum Credit Card

Visa Platinum credit cards have emerged as the epitome of financial sophistication. These exclusive financial instruments offer a gateway to a world of unparalleled privileges and benefits.

In this article, we will dive into the dynamic realm of Visa Platinum credit cards, exploring their unique features tailored to the discerning needs of UAE residents. From complimentary airport lounge access to concierge services that cater to your every need, these cards redefine the way you experience financial freedom.

Moreover, we will uncover the intricacies of rewards programs, travel perks, and lifestyle enhancements that make Visa Platinum the preferred choice for those who seek more than just a credit card. Discover how these cards are not just a means of payment but a gateway to an elevated lifestyle.

Benefits of Visa Platinum Credit Card

Discussed below are the benefits of Visa Platinum credit cards -

Travel Benefits

• 24-hour concierge assistance 
• In case of an emergency, you can avail of cash anywhere in the world.
• You can replace the Visa Platinum credit card at any point in case of an emergency.
• Use the Visa application to book transportation to the airport.

Purchase Protection

• Extended Warranty
• Price Protection
• Insure the items that you purchase via Visa Platinum credit card against theft, damage, or non-delivery

Emergency Medical Benefits

• Avail general information related to the COVID-19 symptoms
• International emergency medical services
• Get digital solution using International Medical Services

Concierge

• Get support from your dedicated agent around the clock, every day of the year. 
• Discover exclusive perks available at a curated selection of the world's most prestigious hotels under the Visa Luxury Hotel Collection.

Banks Providing Visa Platinum Credit Card in the UAE

Check out the banks that offer several types of Visa Platinum credit cards in the UAE -

Emirates NBD

Emirates NBD stands as a prominent and highly regarded financial institution in the UAE, offering an extensive array of financial solutions designed to serve both individual and corporate customers.

Among its offerings, the Emirates NBD credit card stands out, featuring a wide range of advantages and perks carefully crafted to match the distinct preferences and needs of its clientele.

The following table highlights the different credit cards offered by the bank -

Credit Card	Features and Benefits	Apply
Emirates NBD Lulu 247 Platinum Credit Card	Minimum Salary - AED 15,000 per month Annual Fees - AED 262.5 Rewards -  Up to 7% back as Lulu Points on daily expenses Welcome bonus of up to 500 points 4% points on fuel spends 2% on utility bill payments ‘Buy 1 Get 1 Free’ offer at Reel Cinemas  Complimentary access to over 25 regional and global airport lounges via LoungeKey Valet Parking at selected locations in Abu Dhabi Free access to some of the best golf courses across the UAE Concierge services	Apply Now
Emirates NBD Go4It Platinum Credit Card	Minimum Salary - AED 12,000 per month Annual Fees - AED 208.95 Earn Plus Points in the following ways - 5 points for spending AED 200 over weekends 4 points for spending AED 200 on RTA 1 point for spending AED 200 on weekdays Access to Gold Class in the Dubai Metro and pay fares using the credit card Get free rides on the Dubai ferry Buy Vox Cinemas movie tickets at an exclusive price of AED 47.25 for 2 tickets Complimentary life insurance	Apply Now
Emirates NBD VISA Platinum Credit Card	Minimum Salary - AED 12,000 per month Annual Fees - AED 735 Up to 30% discount at over 2,000 restaurants across the UAE Earn Plus Points - Earn 1.5 points for every AED 100 spent 0.4% points for spending at supermarkets, insurance, groceries, and car dealership 0.2% points for spending on utility bill payments, education, fuel, and real estate Free insurance on big purchases Interest period of up to 55 days on retail purchases-related charges	Apply Now

Emirates Islamic Bank

Emirates Islamic Bank stands out as a prominent credit card provider in the Middle East, presenting a diverse range of credit cards tailored to cater to a wide spectrum of financial needs and lifestyles.

With an Emirates Islamic Bank credit card, you can enjoy an array of advantages, including favourable interest rates, cashback incentives, travel perks, and exclusive discounts. It's worth highlighting that Emirates Islamic Bank extends these credit card benefits at a highly competitive cost structure, rendering them an exceptional option for individuals seeking competitive rates and rewarding benefits.

Emirates Islamic Bank offers an Etihad Guest Platinum Credit Card too. Here are the benefits of this VISA Platinum credit card -

• Minimum Salary - AED 5,000 per month
• Annual Fees - AED 208.95
• Discounts on travel, dining, shopping, and hotels
• 2 free inflight WiFi vouchers per membership annually
• 0% easy payment plans on Etihad purchases for up to 6 months
• 50% cashback on cinema tickets on any day of the week with a limit of AED 50 per month
• Purchase protection for stolen, lost, and damaged goods
• Extended warranty benefit
• 10% miles back on flight redemptions and upgrades
• Up to 4 complementary supplementary cards without any AMF
• USD 25 on food and beverages at over 900 international hotels via Visa Luxury Hotel Collection
• Secured online shopping experience with 3D Secure feature
• Get up to 25% cashback on more than 1,500 brands at CashbackSouk.ae
• Balance transfer benefit
• Convenience and secure payments with Apple Pay, Google Pay, and Samsung Pay

Abu Dhabi Commercial Bank

Abu Dhabi Commercial Bank (ADCB), one of the leading banks in the UAE, presents a diverse selection of credit cards — both Islamic and conventional — tailored for UAE residents. With a range of benefits spanning from initial signup perks to ongoing monthly rewards, ADCB credit cards offer an extensive array of choices and features for cardholders. These credit cards from ADCB are thoughtfully designed to cater to the distinctive needs of various applicant profiles.

Check out the table below for the benefits of the top ADCB Visa Platinum credit cards in the UAE:

Credit Card	Features and Benefits	Apply
Abu Dhabi Commercial Bank Etihad Guest Platinum Credit Card	Minimum Salary - AED 8,000 per month Annual Fees - Free for 1st year, AED 525 from the 2nd year onwards Welcome Miles Etihad Guest Miles on Regular Spends Dining discounts Travel discounts/benefits Complimentary access to international airport lounges Complimentary class upgrades	Apply Now
Abu Dhabi Commercial Bank Islamic Etihad Guest Platinum Card	Minimum Salary - AED 8,000 per month Annual Fees - Free for 1st year, AED 525 from the 2nd year Welcome Miles Etihad Guest Miles on Regular Spends Dining discounts Travel discounts/benefits Complimentary access to international airport lounges Complimentary class upgrades	Apply Now

Mashreq Bank

Mashreq Bank credit cardholders are entitled to a range of benefits such as rewards and cashback for every AED they spend. By simply applying for a Mashreq credit card, you can receive a generous welcome bonus of up to AED 2,500 and enjoy 20% cashback on popular platforms such as Talabat, Noon, Zomato, iTunes, Netflix, and more. Furthermore, these cards come with a variety of discounts and privileges across lifestyle, entertainment, travel, and accommodation perks.

Mashreq Bank offers Platinum Elite credit cards, which come with the following features and benefits:

Rewards

• Receive 5 Salaam Points for every Dirham equivalent spent internationally in currencies other than AED.
• Get 3 Salaam Points for every Dirham spent on dining (including online orders and takeaways) and supermarket shopping in AED currency.
• Earn 1 Salaam Point for every Dirham spent locally elsewhere.
• Instantly redeem Salaam points at over 2,000 merchant outlets in the UAE across various categories related to electronics, jewellery, home furnishing, and fitness.
• Convert Salaam Points to Skywards Miles by logging into Mashreq Online or Mobile Application. For this, simply choose Salaam Rewards and select ‘Convert to Skywards Miles’.

Complimentary Insurance

A fee of 0.99% of the total outstanding balance as of the monthly statement (+ VAT) is applicable. The first 2 months are free from the date of card issuance.

Airport Pick-Up / Drop

• Enjoy up to 3 complimentary airport pickup or drop services within Dubai (Terminals 1 & 3) or Abu Dhabi per year, with a maximum of one service per billing cycle.
• To avail of this benefit in the current cycle, you must have spent a minimum of AED 7,000 in the previous billing cycle.
• Both airport drops and pickups count as one service.

Benefits

• Receive 8 complimentary lounge visits annually.
• Through the LoungeKey program, you can access up to 8 complimentary airport lounge visits per year at over 700 lounges worldwide.
• To qualify for this benefit in the current cycle, you must have spent at least AED 7,000 in the previous billing cycle.
• Redeem Salaam Points for Skywards Miles, which can be used for flights and upgrades on Emirates and flydubai as well as hotel stays and more. Simply log into Mashreq Online or Mobile Application, select Salaam Rewards, and click ‘Change to Skywards Miles’ to redeem.
• You also have the option to present your Skywards Miles to family members by selecting Salaam Rewards and choosing ‘Gift Skywards Miles’.

Fitness First Privileges

• Enjoy 8 complimentary visits per month to Fitness First centres across the UAE.
• To avail of this benefit in the current cycle, you must have spent a minimum of AED 7,000 in the previous billing cycle.

First Abu Dhabi Bank

One of the largest banks in the UAE, First Abu Dhabi Bank Credit Card is vouched for its excellent collection of credit products and services. The bank offers credit cards for travel, cash back rewards, lifestyle, and other rewards.

Some of the top VISA Platinum credit cards from the bank are discussed below -

Credit Cards	Features and Benefits	Apply
FAB SHARE Platinum Credit Card	Minimum Salary - AED 10,000 per month Annual Fees - AED 1,000 SHARE Benefits - Opportunity to earn SHARE points across the world at shopping malls, movie theatres, purchases from exclusive partners, and grocery stores These points can be redeemed at 3,500 stores at the Mall of Emirates and City Centres across the UAE Gain access to SHARE rebates via exclusive contests and member benefits available on the SHARE mobile application Get 10,000 SHARE points for free upon activating your FAB SHARE Platinum Credit Card Get up to 7% value back in SHARE points for every AED 1 spent at Carrefour Earn up to 6.25% value back in the form of SHARE points for spending at VOX Cinemas, Magic Planet, iFLY Dubai, Ski Dubai, Dreamscape, and Little Explorers Get up to 4.25% SHARE points on all purchases done at the Mall of Emirates and City Centres across the UAE Earn up to 2.25% SHARE points on international purchases, other retail spending, and online shopping Lifestyle Benefits - Avail of 2 VOX Cinemas movie tickets at the price of 1 movie ticket Use SHARE points to make payments at the Mall of Emirates and City Centres in the UAE Use the Visa Platinum Credit Card to make payments via Apple Pay, Samsung Pay, and Google Pay Other Benefits - Get discounts on airport transfers via Careem and Visa Avail of 4 complementary supplementary credit cards for your family Get competitive rates and easy payment plans at the time of balance transfer Get 2-for-1 offers via Entertainer App and Visa Manage your credit card effortlessly using FAB mobile application Credit Shield benefits for outstanding balance SMS alerts for all your credit card transactions Purchase protection benefit for coverage against theft, accident, or non-delivery of the products.  Extended warranty for up to 12 months beyond the manufacturer’s warranty	Apply Now
FAB Rewards Platinum Credit Card	Minimum Salary - AED 8,000 per month Annual Fees - AED 200 or AED 300 Get FAB rewards as bonus that is equal to your 1st year’s annual fee (applicable only if you activate and use your card within the 30 days of card issuance) Get up to 5 FAB rewards for spending AED 1 on gaming — PlayStation, Xbox, Twitch, Nintendo, Steam, and more Earn up to 1 FAB reward for every AED 1 spent using your card Travel Discounts/Benefits - Get up to 2 airport transfers a year starting from AED 40 (applicable within the same city) Enjoy travel benefits and rebates with Visa partners including YQ Meet and Assist, IHG Hotels and Resorts, DragonPass Airport dining offers, Avis Car Rental, Jumeirah Hotels, Visa Luxury Hotel Collection, Booking.com, and more Lifestyle Benefits - Experience the pleasure of watching up to 4 movies every month at an unbeatable price of AED 15 on weekdays and AED 20 on weekends at Cine Royal, Reel Cinemas, and Oscar Cinema.   You can also grab weekday movie tickets starting from just AED 20 at VOX Cinemas. Get offers on dining  Win cash prizes up to AED 50,000 Get credit card benefits and discounts across travel and lifestyle along with card protection Purchase Protection and extended warranty (an extended warranty of 12 months beyond the warranty period stated by the manufacturer) If you've utilised your FAB Rewards Platinum Credit Card for travel expenses, you qualify for complimentary Medical and Travel Assistance Insurance coverage for both you and your family while travelling to destinations outside your primary country of residence (for a maximum duration of 90 days) Credit Shield	Apply Now

Things to Consider When Looking for Visa Platinum Credit Cards

When looking for a Visa Platinum credit card, make sure to consider the following things -

• Purchase Interest Rate - The purchase rate denotes the interest rate assessed when you use your credit card to buy goods or services. It's particularly significant if you tend to maintain a balance on your credit card from month to month. With that said, if you consistently pay your monthly statement in full, this may not be as critical as you are typically granted a certain number of interest-free days.
• Introductory Interest Rates - As part of a promotional offer, credit card providers sometimes present introductory balance transfer rates that are notably lower than their standard rates. It's essential to verify the duration of this promotional rate and what the rate will revert to after the introductory period concludes.
• Interest-Free Period - Most credit cards provide a grace period during which no interest is charged on purchases. This typically ranges from 21 to 55 days per statement period. These interest-free days can help you avoid accruing additional charges, although they are only accessible if you settle your balance in full by the statement's due date. Otherwise, interest will be applied from the date of purchase.
• Value of Rewards Points - It's worthwhile to conduct some research and calculations to determine the actual worth of a credit card's rewards points. Consider factors such as the card's earning rate, the rewards available, and the annual fee to gauge the potential value. This analysis will help you compare rewards programs offered by different credit cards effectively.
• Application Eligibility - Keep in mind that submitting multiple credit card applications in a short time frame can negatively affect your credit rating. To avoid this, it's advisable to research the eligibility requirements for particular credit cards to ensure that you only apply for the ones for which you meet the criteria.