Balance Transfer Credit Cards with No Salary Transfer

+971
MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 0

OTHER KEY BENEFITS
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
TOP REASONS TO CHOOSE
  • Bonus 5,000 Etisalat Reward points
MINIMUM SALARY

AED 10,000

RATE

3.09%

ANNUAL FEE

AED 299

OTHER KEY BENEFITS
  • Balance Transfer 
  • Airport Lounge Access 
  • Contactless Tech 
  • Air Miles
TOP REASONS TO CHOOSE
  • 20,000 welcome Etisalat Smiles Points
  • Earn Etisalat rewards on all spends
MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 299

OTHER KEY BENEFITS
  • Golf offers 
  • Cinema Tickets 
  • Dining Offers 
  • Balance Transfer 
  • Airport Lounge 
  • Access Travel 
  • Insurance Purchase
  • Protection Extended 
  • Warranty Air Miles
TOP REASONS TO CHOOSE
  • Up to 10% cashback on Groceries, Education, Dining & Telecom
  • Unlimited complimentary access to over 1,000 airport lounges
  • Complimentary Golf any day of the week
  • 1 complimentary valet parking service per month
  • AED 500 Noon Voucher ( T&Cs apply)
MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

OTHER KEY BENEFITS
  • Golf offers 
  • Cinema Tickets 
  • Dining Offers 
  • Balance Transfer 
  • Purchase Protection 
  • Extended Warranty 
  • Contactless Tech
TOP REASONS TO CHOOSE
  • AED 200 noon voucher (T&C's apply)
  • Up to 2.25 EI SmartMiles per AED 1 spend
  • Unlimited EI SmartMiles
  • Use the "Instant Purchase" feature to redeem EI SmartMiles
  • Free for life card
MINIMUM SALARY

AED 5,000

RATE

3.49%

ANNUAL FEE

AED 0

OTHER KEY BENEFITS
  • Golf offers 
  • Cinema Tickets 
  • Dining Offers 
  • Balance Transfer 
  • Purchase Protection 
  • Extended Warranty
TOP REASONS TO CHOOSE
  • Up to 10% cash back on RTA transport payments, fuel spends
  • Free for life
  • Additional Cashback on Fuel and RTA payments
  • Up to 2.25% cashback on international spends
  • Up to 1.25% cash back on all other spends
MINIMUM SALARY

AED 12,000

RATE

3.49%

ANNUAL FEE

AED 735

OTHER KEY BENEFITS
  • Golf offers 
  • Valet Parking 
  • Cinema Tickets 
  • Dining Offers 
  • Balance Transfer 
  • Airport Lounge Access 
  • Travel Insurance 
  • Purchase Protection 
  • Extended Warranty 
  • Air Miles
TOP REASONS TO CHOOSE
  • AED 500 noon voucher (T&C's apply)
  • Up to 1.5 Skywards Miles per USD equivalent spent
  • Complimentary Airport Lounge access
  • Complimentary Cinema tickets, Golf rounds & Valet Parking
  • Complimentary Marhaba Meet & Greet services
MINIMUM SALARY

AED 6,000

RATE

3.25%

ANNUAL FEE

AED 103.95

OTHER KEY BENEFITS
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Life Insurance
TOP REASONS TO CHOOSE
  • RTA Nol Card related benefits
  • Exclusive cinema offers
  • Earn up to 5 Plus Points for every AED 400 spent
  • Complimentary life insurance pls refer to more details page
  • Free rides on dubai ferry
MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 420

OTHER KEY BENEFITS
  • Golf offers
  • Dining Offers
  • Health & Fitness 
  • Balance Transfer
  • Airport Lounge Access
  • Air Miles
TOP REASONS TO CHOOSE
  • Complimentary access to over 10 VIP lounges
  • Enjoy MasterCard Buy 1 Get 1 offers
  • Earn rewards on all domestic & international spends
  • Exclusive offers and deals on travel, lifestyle & shopping
  • Get up to 40% discount at over 100 golf courses worldwide
MINIMUM SALARY

AED 30,000

RATE

3.25%

ANNUAL FEE

AED 1575

OTHER KEY BENEFITS
  • Golf offers 
  • Valet Parking 
  • Cinema Tickets 
  • Dining Offers 
  • Health & Fitness 
  • Balance Transfer 
  • Car Registration 
  • Airport Lounge Access 
  • Airport Chauffeur Services 
  • Purchase Protection 
  • Extended Warranty 
  • Air Miles
TOP REASONS TO CHOOSE
  • Best-in-class Skywards Miles earning - earn and redeem
  • Earn up to 100,000 Skywards Miles
  • Complimentary Emirates Skywards Silver membership upgrade
  • AED 400 voucher from YouGotaGift
MINIMUM SALARY

AED 50,000

RATE

2.75%

ANNUAL FEE

AED 1575

OTHER KEY BENEFITS
  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Air Miles
TOP REASONS TO CHOOSE
  • Premium luxury lifestyle benefits
  • 150,000 bonus sign-up Airmiles
  • Excellent travel & travel insurance benefits
  • Best in class cinema offers
  • AED 500 Cashback Welcome offer
MINIMUM SALARY

AED 30,000

RATE

3.45%

ANNUAL FEE

AED 1575

OTHER KEY BENEFITS
  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Air Miles
TOP REASONS TO CHOOSE
  • Premium lifestyle benefits
  • Earn Reward points on all spends
  • AED 1000 Cashback as joining bonus
  • Loaded with travel benefits!