There are many luxury credit cards in the United Arab Emirates where the members are charged an annual fee for the privilege of being cardholders, but the UAE also has a number of excellent credit cards that provide great rewards with no such fees.

Many credit cards that do not charge annual fees are actually among the best such cards that are available in the whole of the UAE.

One of the best credit cards that does not charge an annual fee in the UAE is the CBD Visa Infinite Credit Card.

This card provides a balance transfer service and is completely free of an annual charge for the first year.

However, to ensure that there are no fees from the second year onwards, the card must be used to spend a minimum of AED100,000.

The card’s most distinctive features are the low-rate balance transfer and the cashback rewards.

Other benefits of this card include supplementary credit cards, airport lounge access, 50% off the price of VOX Cinema tickets, and travel insurance on multiple trips.

The CBD Visa Platinum Credit Card is another excellent UAE card that is free for life, and also provides its customers with very attractive interest rates.

The benefits of this card include the likes of the CBD Rewards Program, Chip and PIN security technology, discounts at VOX Cinemas and supplementary credit cards.

Another excellent free-for-life UAE credit card is the Najm Platinum Cashback Credit Card, which has been created specifically for people who want to save money on grocery purchases.

This card allows cardholders to maximise their savings and receive exclusive privileges from Carrefour.

Benefits associated with this particular card include ‘one for one’ tickets at VOX Cinemas; monthly cashback savings; dedicated checkout counters and exclusive deals at Carrefour; and Visa Platinum discounts across cinema, dining, shopping and travel.

One of the standout no-fee credit cards in the UAE is the Citibank Simplicity Credit Card.

This free-for-life card gives its members attractive interest rates as well as an interest-free grace period.

Cardholders are exempt from having to pay not only an annual fee but also cash advance fees, over-limit fees and late fees.

Other benefits of this exceptional card include Citi World privileges, complimentary access to many Middle East airports, instant cash and supplementary credit cards.

A wide array of benefits is provided to holders of the ADIB Value Credit Card, another free-for-life card that rewards local and international spending.

Benefits of this particular card include the ADIB Rewards Program, purchase protection, shopping mall vouchers, offers across an array of airline bookings and extended warranty on purchases.

The Noor Bank Priority World Credit Card is designed for golf lovers in the UAE and is also free from annual fees.

Golf lovers will enjoy the rewards on this card, which include complimentary golf for up to two people in addition to free access to premium gymnasiums, premium driver assistance, travel benefits and a valet service up to four times a month.

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