Rewards Points Credit Cards with Purchase Protection in UAE

Most banks in the UAE offer credit cards with various effective benefits such as balance transfer, purchase protection, extended warranty, roadside assistance and more. These credit cards enable cardmembers to earn more through reward points and cashback points even on their expenses. 

To save you from the hassle of checking the websites and online portals of different banks and financial lenders, we will take you through some major reward point credit cards with purchase protection benefits in detail. You can opt for any of these credit cards and apply for your preferred one in just a few clicks.

Best Reward Points Credit Cards with Purchase Protection in UAE

Here are the types of reward point credit cards with purchase protection benefits.

DIB Prime Platinum Credit Card

Prime Platinum Credit Card is one of the best-performing Dubai Islamic Bank reward point credit cards with purchase protection benefits. With this card, the cardmembers can earn an attractive number of reward points on purchases and get coverage for their purchased products at the same time.

Reward Points Benefits for DIB Prime Platinum Credit Card

• Wala’a Rewards Program: The cardholders of a DIB Prime Platinum Credit Card are already members of the Wala’a Rewards Program. They can earn up to 2.5 reward points for every AED spent on flight tickets, hotel reservations, bill payments, retail purchases and more under this reward program. Additionally, the credit cardholders can earn 0.5 reward points for every AED 1 spent on categories like education, telecom, petroleum, supermarkets and more.

Purchase Protection Benefits for DIB Prime Platinum Credit Card

• Purchase Protection: DIB Prime Platinum Credit Card members can get purchase protection coverage against theft, loss or damage caused to the products purchased using this credit card for up to 60 days from the date of purchase.

Other Features & Benefits for DIB Prime Platinum Credit Card

• Cash Withdrawal Benefit: DIB Prime Platinum Credit Card enables cardholders to withdraw cash of up to 80 percent of their total available credit limit in case they need emergency funds. 
• Hotel Delights: DIB Prime Platinum Credit Card members can enjoy attractive benefits like complimentary breakfast, free Wi-Fi, free food and beverage vouchers, room upgrades, price discounts, VIP treatment, late check-out time, and much more at more than 900 hotels around the world.
• Credit Shield Protection: DIB Prime Platinum Credit Card offers credit shield protection for cardmembers to enable them to pay their credit card bills in the events like disability, loss of income, illness or death. The cardholders need to pay an additional fee of 0.89 percent of the credit card outstanding balance to avail of this benefit.
• Travel and Personal Accident Insurance: DIB Prime Platinum Credit Card offers travel and personal accident insurance for cardmembers to help them get coverage against emergency medical expenses, legal expenses, delayed flight departure, lost or stolen baggage, and more. To avail of these benefits, the cardmembers need to use their DIB Credit Card for bookings. 
• Roadside Assistance: DIB Prime Platinum Credit Card members can also avail of free roadside assistance services such as fuel assistance, vehicle repairs, vehicle towing, vehicle registration, battery boosting, flat tyre repairs, and more, depending upon their convenience.
• Balance Transfer Facility: DIB Prime Platinum Credit Card enables cardmembers to transfer their other bank credit card’s outstanding balance to DIB credit card for easy repayments. The best part about this service is that the cardmembers can convert their credit card outstanding amount into easy monthly installments and repay it later at lower interest rates. The cardholders need to transfer a minimum of AED 100 and a maximum of AED 250,000 while availing the service.

ADCB Etihad Guest Infinite Credit Card

ADCB Etihad Guest Infinite Credit Card is one of the best performing reward cards with a purchase protection feature. The best part about the credit card is that the cardholders can earn an attractive number of reward points and convert them into Etihad Miles to enhance their travel experiences.

Reward Points Benefits for ADCB Etihad Guest Infinite Credit Card

• Reward Points: ADCB Etihad Guest Infinite Credit Card offers exciting reward point benefits for cardmembers. With this credit card, the cardmembers get a welcome bonus of 60,000 Etihad Guest Miles in addition to earning up to 3 Etihad Guest miles on every USD spent on both local and international purchases. The cardmembers need to pay the annual membership fee of the credit card within 60 days from the card registration date to become eligible for a welcome bonus.

Purchase Protection Benefits for ADCB Etihad Guest Infinite Credit Card

• Purchase Protection: ADCB Etihad Guest Infinite Credit Card offers purchase protection coverage against loss, theft or damage caused to the products purchased using this credit card for up to 365 days from the date of purchase.

Other Features and Benefits for for ADCB Etihad Guest Infinite Credit Card

• Golf Access: ADCB Etihad Guest Infinite Credit Card members get discounted golf access to Arabian Ranches Golf Club Dubai, Yas Links Golf Club Abu Dhabi and Meydan Golf Dubai for the entire year.
• Airport Lounge Access: ADCB Etihad Guest Infinite Credit Card offers free access to more than 1,000 airport lounges for cardmembers. They can avail of this offer by simply showing their credit card at reception. 
• Hotel Collection Privileges: With an ADCB Etihad Guest Infinite Credit Card, the cardmembers can get exciting deals and discounts at over 900 luxury hotels and resorts around the world. The benefits include free breakfast, room Wi-Fi, automatic room upgrades and more.
• Multi-Trip Travel Insurance: With an ADCB Etihad Guest Infinite Credit Card, the cardholders get multi-trip travel insurance offering benefits like baggage delay cover, personal accident insurance, repatriation expenses, trip cancellation cover, emergency medical expenses and more.
• Car Rental Benefits: ADCB Etihad Guest Infinite Credit Card offers an attractive 35 per cent discount on car rentals booked online by cardmembers. 
• Dining and Lifestyle Discounts: ADCB Etihad Guest Infinite Credit Card members can enjoy a 40 per cent discount at over 1400 restaurants in the UAE. In addition, they can get some additional offers on entertainment, travel, dining and shopping.
• Yas Theme Parks Discounts: ADCB Etihad Guest Infinite Credit Card members can get attractive deals and discounts on tickets, beverages, foods, and more at Ferrari World Abu Dhabi, Clymb Abu Dhabi, World Abu Dhabi, Warner Bros., and Yas Waterworld.
• Card Control Features: ADCB Etihad Guest Infinite Credit Card offers various efficient card control features for cardholders. With these features, they can set up daily and monthly spending limits, block unauthorised local or international transactions, block ATM cash withdrawals and more. The cardmembers can make the best use of these features by logging into the ADCB mobile banking app.
• Online Banking: ADCB offers an online banking portal to help its customers keep close track of their finances. The ADCB Etihad Guest Infinite Credit Card members can manage and operate their credit cards using this online banking portal. 
• Mobile Banking: ADCB also offers a useful mobile banking app to help customers access all the banking products and services with great ease. ADCB Etihad Guest Infinite Credit Card members can download this mobile app from their preferred app store and start managing their credit card transactions in just a few taps. 
• Global Concierge Service: ADCB Etihad Guest Infinite Credit Card offers global concierge services to help cardmembers get full-time assistance in making travel arrangements, table bookings and more.
• Interest-Free Days: ADCB Etihad Guest Infinite Credit Card members get an interest-free period of 55 days to easily manage their finances and pay their dues while maintaining a good credit Score.
• Entertainer Offers: With an ADCB Etihad Guest Infinite Credit Card, the cardholders get amazing 2-for-1 offers at top restaurants, spas, fitness clubs and entertainment centres in the Middle East region. The cardmembers can register on the ENTERTAINER mobile application using their mobile number and email address and add their adcb credit card to avail of the benefits.
• Convenient Payment Options: With an ADCB Etihad Guest Infinite Credit Card, the cardmembers can pay a minimum of 5 per cent of their total outstanding balance in each billing cycle. The best part is that the cardholders can carry forward the remaining balance to the next billing cycle and make easy repayments using online banking, mobile banking, cash deposit machines and bank branches.
• Auto-Debit Instructions: ADCB Etihad Guest Infinite Credit Card members can set up their auto-debit transactions to be debited from their ADCB Current or Savings account. The best part about this service is that the cardmembers do not need to remember to make recurring payments every month after activating it. The amount will be auto-debited from the bank account. 
• Balance Transfers: ADCB Etihad Guest Infinite Credit Card enables cardholders to transfer their other credit card’s outstanding balance to ADCB Credit Card and convert the same into monthly EMIs for easy repayments.
• Credit Card Loan: ADCB Etihad Guest Infinite Credit Card offers a cash loan feature for cardmembers. They can get a cash loan against their available credit card limit. The best part is that they get to borrow this loan at lower interest rates and pay the same in easy instalments of up to 48 months.
• Extended Warranty: ADCB Etihad Guest Infinite Credit Card members can get double the manufacturer’s warranty on products bought using this credit card. The cardmembers can claim USD 5,000 per instance and USD 20,000 for the entire year as per the bank’s terms and conditions.
• Credit Shield Insurance: ADCB Etihad Guest Infinite Credit Card members can avail of credit shield insurance to cover their credit card bills in the event of loss of employment, disability or death. 
• Card Misuse Protection: ADCB Etihad Guest Infinite Credit Card offers coverage against unauthorised and fraudulent transactions made on the credit card by some third parties. The cardmembers can claim up to USD 3,000 per instance and USD 5,000 for the entire year as per the bank’s terms.

American Express Platinum Credit Card

American Express Platinum Credit Card offers various attractive reward point benefits for the cardmembers. The best part is that the card members can redeem the earned reward points in such a way that they can even save more while spending.

Reward Points Benefits for American Express Platinum Credit Card

• Membership Reward Points: With an American Express Platinum Credit Card, the cardmembers can earn one reward point for every AED 4 spent on all purchases made locally or internationally.
• Reward Points Redemption: American Express Platinum Credit Card enables cardmembers to redeem their earned reward points on travel and lifestyle purchases. The cardholders can redeem the reward points to book hotel rooms with four hotel partners, flight tickets with 14 partner airlines, get shopping vouchers, buy gift cards and much more.

• Reward Points Expiration: American Express Platinum Credit Card enables cardmembers to redeem the earned reward points anytime as there is no expiration date.
• Complimentary Hotel Stays: American Express Platinum Credit Card members can redeem their earned reward points to enjoy complimentary stays in top luxury hotels.
• Complimentary Flight Upgrades: In addition to other airline benefits, the American Express Platinum Credit Card members can get complimentary flight ticket upgrades when they redeem their earned reward points. 

Purchase Protection Benefits for American Express Platinum Credit Card

• Purchase Protection: With an American Express Platinum Credit Card, the cardmembers can get purchase protection coverage of up to USD 2,000 against theft, loss or damage caused to the products purchased using this credit card.

Other Features & Benefits for American Express Platinum Credit Card

• Welcome Credit: American Express Platinum Credit Card offers a welcome credit of AED 900 for cardmembers upon card activation. They can avail of this offer by spending a minimum of AED 37,000 within the first three months from the card membership start date.
• Available in Multiple Currencies: American Express Platinum Credit Card members can operate and manage their credit cards in multiple currencies including AED and USD.
• Shopping Credit: American Express Platinum Credit Card offers a shopping credit of AED 1,100 after the card activation.
• Annual Travel Credit: American Express Platinum Credit Card offers an annual travel credit of AED 1,100 for cardmembers upon card activation.
• Airport Lounge Access: American Express Platinum Credit Card members can enjoy unlimited access at over 1,300 airport lounges in more than 140 countries.
• Travel Insurance: American Express Platinum Credit Card provides cardmembers with travel insurance coverage against flight delays, baggage delays, flight cancellations and other causes of inconvenience while travelling.
• Concierge Services: American Express Platinum Credit Card offers full-time available concierge services for cardmembers to help them make quick bookings on special occasions.
• Cash in Advance: With an American Express Platinum Credit Card, the cardmembers can withdraw cash advances of up to USD 5,000 every 30 days, depending upon their financial requirements.
• Loyalty Programmes: American Express Platinum Credit Card members are already enrolled for the best hotel loyalty programmes at top luxury hotels in the UAE.
• Travel Accident Insurance: American Express Platinum Credit Card offers travel insurance coverage of up to USD 1 million against loss, damage or bodily injuries caused to the cardmembers and their family while traveling.
• Travel Car Rental Insurance: American Express Platinum Credit Card provides cardmembers with travel car rental insurance coverage of up to USD 30,000 against loss or damage caused due to an accident made by a rented car.
• Refund Protection: American Express Platinum Credit Card offers refund protection insurance coverage of USD 550 for cardholders to help them get the claimed refund on time.
• Online Banking Services: American Express Platinum Credit Card details can be accessed through the online banking portal. The cardmembers can simply log in to this portal using their banking ID and password and manage their credit card transactions in just a few clicks. With this service, cardmembers can activate their card, request an e-statement, apply for supplementary cards, refer a friend and much more with great ease.
• Mobile Banking Services: American Express Platinum Credit Card members can also access their credit card details through American Express Bank’s mobile banking app. They can simply download the same from their preferred app store and start managing their credit card transactions without any hassle.

Commercial Bank of Dubai Visa Platinum Credit Card

Commercial Bank of Dubai Visa Platinum Credit Card is one of the best reward point credit cards with purchase protection benefits. With this card, the cardmembers can earn rewards and cashback points while spending on travel, dining, lifestyle and more.

Reward Points Benefits for CBD Visa Platinum Credit Card

• Reward Program: CBD Visa Platinum Credit Card enables cardholders to earn an attractive amount of reward points on every AED spent. They can redeem these reward points to buy electronic products, earn cashback, get restaurant discounts, book flight tickets, hotel stays, get gift vouchers and much more.
• Cashback Offers: Commercial Bank of Dubai Visa Platinum Card members can earn exciting reward points on spending money and convert the same into Etihad Guest or Emirates Skywards miles or cashback. Here are the details of how the cardmembers can earn reward points using their Commercial Bank of Dubai cashback credit card.

Purchase Protection Benefits for CBD Visa Platinum Credit Card

• Purchase Protection: Commercial Bank of Dubai Visa Platinum Credit Card offers a purchase protection benefit for the cardmembers against theft, loss or accidental damage caused to the products they bought using this credit card.

Other Features and Benefits for CBD Visa Platinum Credit Card

• Travel Insurance: Commercial Bank of Dubai Visa Platinum Credit Card members can get travel insurance coverage to easily manage various unexpected travel expenses caused on the tours for up to 90 days in duration.
• Entertainment Offers: Commercial Bank of Dubai Visa Platinum Credit Card offers a 15 per cent discount at Emaar entertainment, including KidZania, VR Theme Park, Ekart, Dig It Dubai and more.
• Visa Benefits: Commercial Bank of Dubai Visa Platinum Credit Card members can enjoy exciting deals and discounts on lifestyle, dining, travel, entertainment and much more on the Platinum Avenue. 
• Cinema Offers: CBD Visa Platinum Credit Card enables card members can enjoy a 50 per cent discount on up to four tickets each at VOX Cinemas in the UAE. Additionally, they can buy up to 10 discounted tickets per month at VOX Cinemas. The cardmembers need to spend a minimum of AED 5,000 to avail of this offer.
• Free Supplementary Cards: Commercial Bank of Dubai Visa Platinum Credit Card enables primary cardholders to get free supplementary cards for their family members.
• Full-time Support: Commercial Bank of Dubai offers a full-time available help and support number 600 575 556 for the Visa Platinum Credit Card members.
• Online Banking Services: Commercial Bank of Dubai Visa Platinum Credit Card details can be accessed online. The card members can simply log in to this portal using their banking ID and password and manage their credit card transactions in just a few clicks. With this service, the cardmembers can activate their card, request an e-statement, apply for supplementary cards, refer a friend and much more with great ease.
• Mobile Banking Services: Commercial Bank of Dubai Visa Platinum Credit Card members can also access their credit card details through American Express Bank’s mobile banking app. They can simply download the same from their preferred app store and start managing their credit card transactions without any hassle.
• Discounts on Hotels: Commercial Bank of Dubai Visa Platinum Credit Card members can enjoy up to 12 per cent discount on bookings made through Agoda.com and an 8 per cent discount on bookings made on hotels.com.
• Extended Warranty: Commercial Bank of Dubai Visa Platinum Credit Card members can avail of an extended warranty benefit that doubles the manufacturer’s warranty period up to one year for the products purchased using this credit card.
• Chip and Pin: Commercial Bank of Dubai Visa Platinum Credit Card offers secured chip and pin technology to help cardholders make easy and safe payments while shopping at retail outlets.

Standard Chartered Visa Infinite Credit Card

Standard Chartered Visa Infinite Credit Card is one of the best reward point credit cards with purchase protection benefits. The credit card offers various exciting reward point benefits to help cardmembers earn rewards even on their purchases.

Reward Points Benefits for Standard Chartered Visa Infinite Credit Card

• Reward Points: With a Standard Chartered Visa Infinite Credit Card, the cardmembers can earn an attractive number of reward points on both local and international spending. The best part is that the cardmembers can transform their reward points into Etihad Guest and Emirates Skywards miles using an online banking portal in just a few clicks. They can also redeem these reward points to enjoy hotel loyalty programmes.
• Instant Reward Points Redemption: Standard Chartered Visa Infinite Credit Card enables cardmembers to instantly redeem the reward points and make online and offline purchases.
• Cashback Offers: Standard Chartered Visa Infinite Credit Card enables cardmembers to earn 2 percent of their earned reward points as cashback while booking any airline’s tickets. 

Purchase Protection Benefits for Standard Chartered Visa Infinite Credit Card

• Purchase Protection: Standard Chartered Bank offers purchase protection for cardmembers to help them get coverage against theft, loss or damage caused to the products bought using this credit card.

Other Features & Benefits for Standard Chartered Visa Infinite Credit Card

• Fitness First Access: Standard Chartered Visa Infinite Credit Card members are eligible for complimentary access to leading Fitness First clubs in the UAE.
• Airport Transfers: Standard Chartered Visa Infinite Credit Card members can get four free Careem airport transfers every year. They can use the promo code UAEVI to avail of this service.
• Access to Airport Lounges: With a Standard Chartered Visa Infinite Credit Card, the cardmembers can get priority access to more than 1,000 airport lounges around the world. The best part is that the primary cardholders can enjoy these benefits along with one guest.
• Medical and Travel Insurance: With a Standard Chartered Visa Infinite Credit Card, the cardmembers can get multi-trip travel insurance against injuries, loss or any damage caused to the cardmembers and their family on all trips of up to 90 days in duration.
• Visa Concierge Service: Standard Chartered Visa Infinite Credit Card enables cardmembers to enjoy last-minute reservations for a special occasion or a suddenly planned trip. With this service, the cardmembers can get full-time priority personalized services. All they need to do is use the Standard Chartered Credit Card for bookings. 
• Credit Shield Insurance: With a Standard Chartered Visa Infinite Credit Card, the cardmembers can avail of a credit shield insurance service to pay for their credit card bills in the event of death or total/permanent disability.
• Golf Benefits: Standard Chartered Visa Infinite Credit Card members can avail of a free round of golf every month at the best-known and leading golf clubs in the UAE.
• Cinema Offers: Standard Chartered Visa Infinite Credit Card members can enjoy free movie tickets to VOX Cinemas. In addition, they can also enjoy an exciting buy 1 get 1 free offer at Costa Coffee to enjoy free coffee anytime.
• Mobile Wallet Payments: Standard Chartered Visa Infinite Credit Card members can use different payment methods such as Samsung Pay, Google Pay, Apple Pay, and Fitbit Pay to make easy bill payments.
• Online Banking: Standard Chartered Visa Infinite Credit Card members are authorized to access their credit card details by simply logging into the bank’s online banking portal. By doing this, they can keep close track of their transactions and other banking activities.
• Mobile Banking: Standard Chartered Visa Infinite Credit Card members can also download the SC Mobile Banking App and register on the same to access their credit card details in no time.
• Cash in Advance: With a Standard Chartered Visa Infinite Credit Card, cardmembers can withdraw cash in advance using their credit card from any of the Standard Chartered Bank ATMs if they need emergency cash.
• Careem Offers: Standard Chartered Visa Infinite Credit Card members can get an attractive 20 percent off on the first three Careem rides every month. And not just that! They also get a 50 percent discount on three Careem Food & Shop orders every month. The cardmembers need to use Standard Chartered Credit Card to avail of these services. 
• Supplementary Cards: Standard Chartered Visa Infinite Credit Card offers two supplementary cards free for the first year for all the primary cardmembers. However, they need to pay AED 525 from the second year onwards. 

Eligibility Criteria to Apply for Reward Points Credit Cards with Purchase Protection in UAE

Here are the eligibility criteria the applicants need to meet when applying for reward point credit cards with purchase protection benefits.

Documents Required to Apply for Reward Points Credit Cards with Purchase Protection in UAE

Here are the documents required to apply for reward point credit cards with purchase protection benefits.

• Emirates ID (for identity verification)
• Passport with Residency Visa 
• Salary Transfer Letter/Appointment Letter (showing designation and annual income) 
• One of these address proofs – Utility Bill, Emirates ID, Contract of Tenancy 
• Trade License (for self-employed applicants)
• Bank Statement (for last three months with the salary credit transaction)

Fees & Charges of Reward Points Credit Cards with Purchase Protection in UAE

How to Apply for Reward Points Credit Cards with Purchase Protection?

Here are a few simple ways to apply for a reward point credit card with purchase protection benefits.

• Online Banking - Most banks in the UAE have internet banking portals to help their customers access their bank accounts and credit card details. The applicants can log in to these portals using their banking ID and password and apply for their preferred reward point credit card with purchase protection benefits. The cardmembers need to fill out the online application form and submit the same with all the essential documents as stated by the concerned bank.
• Mobile Banking - Just like the online banking portal, most banks also offer mobile banking apps for customers. The applicants can register on this app and apply for their preferred reward point credit card with purchase protection benefits in just a few clicks. The cardmembers need to submit the necessary documents with a filled-out application form.
• Bank’s Website - The applicants can also visit their preferred bank’s website and check out the features and benefits of different reward point credit cards with purchase protection. The applicants need to fill out the application form, provide their details and upload the supporting documents on the website.
• Bank’s Branch - The applicants can also go to their preferred bank’s branch and fill out the application form to apply for a reward point credit card with purchase protection benefits. They need to carry all their documents and submit them with the application form in the presence of a bank representative to avoid any mistakes.
• Our Website - We at Policybazaar also help our customers to find the best credit card depending upon their financial preferences. The applicants can call our helpdesk and our financial experts will guide them through the entire process of applying for a reward point credit card with purchase protection benefits.

Rewards Credit Cards With Other Facility in UAE

Rewards Credit Card in UAE
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Rewards Points Credit Cards with Emirates Skywards in UAE