UAE business credit cards offer rewards, expense management, and cash flow benefits. Here is a comparison of the best business credit cards in the UAE for 2025.
Best UAE Business Credit Cards
Emirates NBD Business Credit Card: Features: flexible credit limit, 0.5% cashback on business spending, travel insurance, and access to Emirates Lounge. Best for: businesses that spend heavily on travel and international purchases. Mashreq Business Card: Features: 1% cashback on all purchases, no annual fee for the first year, and online expense reporting. Best for: small businesses looking for a straightforward cashback card with no complex rewards redemption. FAB Business Credit Card (First Abu Dhabi Bank): Features: up to 2% cashback on business categories (fuel, office supplies, telecoms), Visa Business benefits (extended warranty, purchase protection), and multiple employee cards at no extra cost. Best for: businesses with high spending on specific categories where FAB cashback tiers are advantageous. ADCB Business Credit Card: Features: Touchpoints rewards on business spending, international acceptance, and integration with ADCB business banking. Best for: businesses already banking with ADCB who want an integrated rewards programme.
UAE Corporate Card vs. Business Credit Card
Business credit card: issued to the company owner or a specific employee. Credit limit based on the business’s financial profile. Personal liability of the cardholder (for smaller SME cards). Corporate card: for larger companies, issued to multiple employees. Company (not individual) is liable for the balance. Typically requires a minimum company revenue (AED 5M+) and established UAE banking relationship. Most UAE SMEs use business credit cards (not full corporate card programmes).