When starting a Business, you will find that you will be setting up a lot of different accounts. One of the accounts you will need is a business credit card. A business credit card can easily manage your business expenses. It is also much better than a personal credit card because you can get a business credit card with a limit that is based on the credit limit of the business. Business credit cards are also much more likely to offer rewards. If you are going to be starting a new business, it is always a good idea to get a business credit card.

What Is a Business Credit Card?

A business credit card is a credit facility created to help business owners make small purchases using credit instead of cash. This type of credit card is intended for business expenses and not for personal use by individuals.

Some benefits of having a business credit card include being able to pay for unexpected expenses, take pressure off your cash flow, and build a credit history for your business. Having a business credit card can be a lifesaver for many business owners so it’s definitely worth considering if you don’t have one already!

What Is the Best Credit Card In UAE?

If you’re a business owner in the UAE, you have a few different credit card options to choose from. Here’s a quick overview of the most popular choices, along with the benefits of each.

1. Emirates NBD Lulu Credit Card

AED 5000

3.25% interest rate

3.5 lulu points

The Emirates NBD Lulu Credit Card is a great option for those with a monthly income of AED 5,000 or more. With one of the lowest interest rates at just 3.25% per annum, this credit card comes with a few impressive perks. These include 3.5% back as lulu Points on your daily spend, 1% back in points for utility bill payments and 0.35% back on all other purchases.

2. DIB Platinum Credit Card

AED 400

4% cashback on fuel

4% cashback on school fees

The DIB Cashback Credit Card is offered by Dubai Islamic Bank and provides cardholders with 4% cashback on supermarket, fuel, and auto servicing payments. In addition, cardholders can also receive up to 4% cashback on school fees. Although there is a AED 400 limit on the amount of cash that can be earned, this limit is still significantly higher than what other cashback credit cards are offering.

3. Expo2020 Credit Card by Emirates Islamic

AED 5000

welcome bonus 5500

50% discount on Expo2020

The Expo2020 Credit Card from Emirates Islamic offers a 50% discount on Expo2020 tickets, free valet parking, and a dynamic rewards program with a welcome bonus of 5,500 Uby Emaar Upoints for new cardholders. To qualify, you’ll need a monthly salary of at least AED 5,000.

4. Emirates Ultima Credit Card by Citibank UAE

25000 sign-up bonus

complimentary travel insurance

2.5 Skyward Miles per USD

The Emirates Ultima Credit Card is an exclusive and elite credit card that gives cardholders the best Skywards earn rate of up to 2.5 Skyward Miles per USD spent. This credit card comes with impressive perks including a 25,000-point sign-up bonus for the first year and an additional 10,000 points after one year. Cardholders also get complimentary travel insurance and travel medical aid whenever they purchase tickets using the card.

5. Citi Cashback Credit Card

AED 8000

2% cashback on groceries

1% cashback on everything else

This credit card offers great cashback rewards for all your spending. You’ll get 3% cashback on all non-AED spend, 2% back on groceries and supermarket purchases, and 1% back on everything else. Plus, there are no annual fees to pay in the first year and no minimum spend required to keep the card and its perks. And as a cardholder, you’ll get complimentary access to over 1,000 airport lounges around the world. To qualify for this card, you must be over the age of 21 and bring in at least AED 8,000 per month.

6. ADIB Cashback Visa Platinum Card

AED 5000

access to airport lounges

1% cashback on all purchases

The ADIB Cashback Visa Platinum Card is a credit card with low interest and no annual fee for the first year. You will need to have a minimum salary of AED 5,000 per month to qualify for this card. With this card, you can withdraw your entire credit limit, unlike some other credit cards.

This credit card comes with some great perks, such as valet parking services, access to airport lounges, and complimentary roadside assistance. Plus, you’ll get 1% cashback on all purchases made with this credit card.

7. HSBC Zero Credit Card

Buy 1 Get 1 free

30% off at select restaurants

12% off at nearly a million hotels worldwide

The HSBC Zero Credit Card is a great choice for business owners who want to take advantage of HSBC’s reward program and Entertainer app. With this card, you’ll enjoy over 10,000 “Buy 1 Get 1 Free” deals at restaurants, retail stores, spas, and more. Plus, you’ll get up to 30% off at select restaurants and up to 12% off at nearly a million hotels worldwide.

8. Mashreq Platinum Elite Credit Card

AED 7000

50% off movie tickets

Free access to Fitness First gyms

The Mashreq Platinum Elite Credit Card is a wonderful choice for those who often find themselves traveling. With over 1,000 airport lounges available to cardholders worldwide, this card allows its users to enjoy unlimited access – meaning you can say goodbye to pesky lounge fees. On top of that, cardholders also receive 50% off movie tickets as well as free access to Fitness First gyms.

In order to qualify for the Mashreq Platinum Elite Credit Card, applicants must have a monthly income of at least AED 7,000. Although this is the minimum requirement to obtain the card, there is no minimum spend required to keep the account open. So you can take advantage of all the great perks without fear of not meeting the qualifications.

9. Standard Chartered Manhattan Platinum Card

AED 5000

20% off golf clubs

12% off travel bookings through Agoda

The Standard Chartered Manhattan Platinum Card is a top-tier credit card that offers a wide range of discounts and incentives, including a low interest rate of 3.45%. Qualifications for this credit card include a monthly income of at least AED 5,000.

Some of the great discounts and incentives that come with this credit card include up to 20% off golf clubs, 30% off bookings made at Timeout Dubai, and 12% off travel bookings through Agoda. If you’re looking for a world-class rewards program, Standard Chartered is a great option to consider.

10. Emirates Islamic Cashback Plus Credit Card

10% cashback on all supermarket

10% cashback on education

access to over 1000 airport lounges

This credit card comes with an unbeatable 10% cashback on all supermarket, education, dining, and telecom purchases – and there’s no limit to how much you can earn back each month! Plus, as a cardholder, you’ll also have access to over 1,000 airport lounges around the world. So whether you’re travelling for business or pleasure, you can relax in style before your flight.