e-Tijari Web Card - CBD
e-Tijari Web Card - CBD

e-Tijari Web Card - CBD

Financials - Credit Cards - Personal Cards

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Many people might tell you to stay away from credit cards but that is because they don’t know the many benefits it offers. Apart for coming in use while you need urgent money for paying for a service or a gadget, a credit card has a lot of signup bonuses, investment rewards, insurance, and travel points that you can redeem any time to buy a service or goods. It works on a simple basis. When you use a credit card, the bank pays for you, and then you have to pay back later within a fixed number of days. You also need to pay an interest on the money borrowed that ranges from 13 to 19 percent per annum. There are credit cards in UAE for low salary earners as well. Always go for the best credit card in UAE. Minimum salary for credit card in Dubai is AED 5000 a month.

If you are trying to improve your credit score, using a credit card is the best way to do so. By having a good credit score you can get higher amount of loan because the bank knows that you will pay the money back on time. Many credit card companies give you points when you spend some amount of money, which is generally one point - AED 1 and you redeem later. Always go to your bank to get a credit card got yourself as they will provide you with the best service and it is the safest option available.

Business cards

A business credit card is used for business rather than for personal use and it has your company’s name written on it. A business credit card is available for all types of business including sole proprietorship, corporation, partnership, and limited liability partnership. All you have to do is take your two-year business returns or income tax statement to the bank.

If you pass your bank’s criteria, they will immediately issue a credit card, which will be sent to you through post. Business cards offer higher signup bonuses and big discounts on stores from where you purchase office stationery. It is also an easy and efficient way to monitor your business expenses and how your employees are using the card for business purposes. A credit card is a source of financing as well. Some companies need to borrow money to run the business. When you make the purchase, the bank pays for you at that time, which you have to pay back within a fixed amount of time.

If you have a business credit card in Dubai, Abu Dhabi, Sharjah, and other Emirates, always go for best credit card in UAE.

Personal cards

Just like you use a business card for your business transactions, you use a personal credit card for personal use. Most salaried people are given a credit card from the office and it has similar benefits like the business card but a lower signup bonus. If you are a frequent flyer, you get travel reward points for the miles you cover. After your reward points reach a certain limit, you can redeem it to get a free flight off the rewards. Many movie theatres, cloth stores, and electronic stores always have exclusive schemes for credit card holders, for example, extra five percent discount.

A personal credit card is most definitely safer than a debit card. You never know when a bogus or fake company forces you to purchase something. If you use your debit card, they can retrieve your bank account information through it. Credit cards are linked to your bank account as well, but banks are alerted immediately when any unusual activity is tracked. Just like business cards, you also get a grace period here to payback the borrowed money.

There are some really good banks that give credit card in Abu Dhabi, Dubai, Sharjah & UAE. You will also get credit card UAE without salary transfer.

Universally accepted

When you are out in a foreign country, debit cards don’t always work. If you travel frequently for work or leisure, you need to have a credit card. It is universally accepted everywhere, in all countries. Most hotels and rental car companies prefer clients using credit cards because they can then charge them any damage, which they can’t do if they use a debit card.

Most people are unaware but having a credit card automatically gives them a travel insurance, car insurance, and product warranties. You can also earn cash backs of around one to five percent on every purchase you make. Banks also give investment rewards when you invest in insurance policies using the credit card.

Get Credit Card on low Salary in Dubai and the rest of UAE

With many banks in UAE, getting a credit card is possible for employees with salaries as low as AED 3000 or AED 4000 per month.

Shari'ah Compliant Credit Cards in Dubai

There are plenty of Sharia compliant credit cards being offered by Islamic banks in UAE like Abu Dhabi Islamic Bank, Emirates Islamic Bank, among others

Credit Cards Benefits from Dubai - UAE Banks

UAE Banks offer many benefits for credit card holders. Benefits includes, but not limited to:

  • Cash back on credit card spend
  • Free airline air miles when spending on credit card. Some banks offer up to 3 miles per 1 USD spent on award winning airlines like Emirates Airline and Etihad.
  • Exclusive offers on travel, leisure, dining and premium shopping.
  • Complimentary Travel Accident
  • Complimentary Inconvenience Insurance
  • Free access to airport lounges

All credit cards in Dubai and credit cards in Abu Dhabi are universally accepted. Now you know about the many benefits of credit cards. You surely need to use it wisely and pay back the money within the grace period. Visit any banks in Dubai, Sharjah, Abu Dhabi, and other Emirates to get a credit card for your business or personal use by finding the nearest one through Storat.