Best 5 Low Interest Rate Credit Cards in UAE 2024

Low-Interest Credit Cards in UAE have been gaining more and more popularity thanks to the attractive benefits and vast options of use. Low-interest credit cards in UAE are one of the best credit cards in UAE to have in your wallet. You not only get to enjoy an exceptionally low rate of interest but also the extra benefits that come with the credit card. Almost all top banks offer low-interest rate credit cards in UAE to customers that come with an array of value-added benefits and attractive deals on hand.

But with the abundance of choices in the picture, it becomes rather hard to make a choice and pick the card that suits your needs the most. We have compiled a list of the top 5 low-interest rate credit cards to assist you in the decision-making process. Let’s discuss the top low-interest credit cards in UAE, their main features, and benefits:

Best 5 Low Interest Rate Credit Cards in UAE (2023)

CBD World MasterCard Credit Card

CBD World MasterCard Credit Card is just one of the cards in the list of the best credit cards in UAE offered by the Commercial Bank of Dubai. Being a unique and exclusive card, it is offered to selected CBD customers only.  The card offers lifestyle, shopping and travel benefits as well as loyal reward points which results in an overall richer spending experience for the customers. 

CBD World MasterCard Credit Card Features:

Minimum Monthly Salary: 25,000 AED

Annual Maintenance Charge: Free for 1st Year

Annual Rate of Interest: 3.45% monthly and 1.5% - applicable in case of CBD Private Banking Customers

Additional value-added benefits:

• Complimentary lounge access
• 20% discount on Careem rides thrice a month
• Up to 10% off on Bookings.com
• Additional discounts on dining and shopping across selected restaurants and stores

American Express Gold Credit Card

Since it debuted in early 1966, the American Express Gold Credit Card always offered to meet the needs of corporate travel. It is a Charge Card meaning it has no form of pre-defined expenditure bound for its exclusive members.  This card is also one of the low-interest rate credit cards which come with the lowest interest rate available in the UAE. 

American Express Gold Credit Card Features

Minimum Annual Income: AED 180,000 for salaried employees and AED 275,000 for self-employed

Annual Maintenance Charge: AED 395

Annual Rate of Interest: Zero AED

Additional Benefits:

• Access to loyalty reward program
• Complimentary access to airport lounges
• Comprehensive complimentary travel insurance policy

Dubai Islamic Bank Johra Gold Premium Credit Card

The Dubai Islamic Bank Johra is very well known for providing a host of Credit Cards which comes loaded with unlimited features and aids. The credit card not only charges zero interest but also offers charitable contributions from the fees that it charges. As a cardholder, you will also be registered with DIB Wala’a Rewards schemes by default. 

Dubai Islamic Bank Johra Gold Premium Credit Card Features

Minimum Monthly Salary: AED 5,000 

Yearly Maintenance Charge: AED 0

Annual Rate of Interest: 1.95%

CitiBank Citi Prestige Credit Card

Citi Prestige Credit Card is one of the most preferred credit cards in all of UAE. Citi Prestige Credit Card is globally accepted and also gives several travel benefits and other value-added benefits making it one of the best credit cards in UAE. Following are the top features and some of the key additional benefit of the CitiBank low-interest credit card.

Citi Prestige Credit Card Features

Minimum Monthly Salary: AED 30,000

Annual Maintenance Charge: AED 1,500 

Annual Rate of Interest: 2.79%

Additional Benefits:

• 10,000 ‘Thank You’ Reward Points right at the starting as a welcome bonus to its members.
• Up to 50% off on dining at over 500 outlets
• Complimentary movie tickets

Emirates NBD Go4it Gold Credit Card

Emirates NBD Go4it Gold credit card is a low-interest credit card offered in partnership with the RTA - Road and Transport Authority and Emirates NBD. The Go4it Gold credit card is equipped with a transit chip presenting the members' twin benefits of owning a regular credit card and also have RTA Nol Card on the same card making it exclusive and the only one to have such a feature in the whole of UAE. 

Emirates NBD Go4it Gold Credit Card

Minimum Monthly Salary: 6,000 USD

Annual Maintenance Charge: 99 AED

Rate of Interest: 3.25%

Additional Benefits:

• Free rides on the Dubai ferry
• Complimentary movie tickets
• Complimentary life insurance cover
• Up to 5 reward points for every AED 400 spent.

Credit Card Interest Rate - How It Works

Bottom Line

A low-interest credit card in UAE is an exclusive credit that comes with an array of benefits making it hard to just pass it on without a thought. Given that you clear all the eligibility standards set by the banks, these credit cards can ideally improve the shopping and spending experience for you. Just make sure that you study the features and all value-added benefits before picking a low-interest credit card in UAE. You can easily lead a financially well-managed life with the right credit card in your hands. 

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