FinanceHero / UAE / Credit Cards
Compare joining fees, renewal conditions and borrowing charges. Paying only the minimum due does not avoid interest.
Consumer revolving credit cards
| Card | Annual fee | Borrowing charge | Cash / FX | Eligibility | Key caveat |
|---|---|---|---|---|---|
ADCBTouchPoints Titanium | No annual fee. | 3.69% monthly; 44.28% annualized as disclosed. Cash and carried balances attract charges. | Cash: Not availableFX: Not available | Age 18+; salary AED 5,000 monthly OR eligibility for a credit limit of at least AED 3,000; bank assessment applies. | Standard revolving credit. Pay in full to avoid retail finance charges; reward conditions apply. |
ADCB365 Cashback | First year free; AED 383.25 including VAT annually from year two. | 3.69% monthly; 44.28% annualized as disclosed. Cash and carried balances attract charges. | Cash: Not availableFX: Not available | Age 18+; salary AED 5,000 monthly OR eligibility for a credit limit of at least AED 3,000; bank assessment applies. | Cashback requires AED 5,000 monthly purchases and is capped at AED 1,000 monthly. Annual fee starts in year two. |
MashreqCashback Credit Card | No annual fee for primary or supplementary cards. | 3.85% monthly; 46.20% annual as disclosed. Cash advances and unpaid balances attract charges. | Cash: 3.15% of cash amount, minimum AED 210, including VAT; finance charges also apply.FX: 2.89% bank charge plus Visa/Mastercard charges; foreign AED transactions also carry the bank fee. | Monthly income at least AED 5,000; identity, residency and credit checks apply. Confirm employer and salary-transfer conditions. | Cashback is conditional; optional PayProtect costs extra. Reward credits do not replace required monthly repayments. |
Mashreqnoon Credit Card | No annual fee for primary or supplementary cards. | 3.85% monthly; 46.20% annual as disclosed. Cash advances and unpaid balances attract charges. | Cash: 3.15% of cash amount, minimum AED 210, including VAT; finance charges also apply.FX: 2.89% bank charge plus Visa/Mastercard charges; foreign AED transactions also carry the bank fee. | Subject to bank identity, residency and credit assessment; current minimum-income, employer and salary-transfer thresholds not verified. | Cashback is noon credits, subject to category rules and eligible-spend caps; optional PayProtect costs extra. |
Checked: 7 Oct 2026 · Sources: adcb.com · mashreq.com
Fees may exclude statutory charges.