UAE corporate credit cards allow business expense management and improve cash flow for UAE companies. Here is the complete 2025 guide to UAE corporate credit cards.
UAE Corporate Credit Card Options
Emirates NBD Business Credit Card: available for established Emirates NBD business customers. AED credit limit based on business financials. Airport lounge access (select cards). FAB Business Platinum Credit Card: FAB’s premium business credit card. Multi-currency spend capability. Travel insurance included. Available for FAB business account holders with 12+ months account history. ADCB Business Credit Card: ADCB’s business Mastercard. Purchase protection and travel benefits. Mashreq Business Credit Card: available for Mashreq Neo Business customers. AED and USD credit lines available. RAKBank Business Credit Card: more accessible credit assessment than major banks. Suitable for smaller SMEs.
UAE Corporate Card vs. Business Debit Card
Most UAE new businesses receive a business debit card first. A corporate credit card requires: 6-12+ months of banking history with the issuing bank, financial statements (or management accounts), positive credit bureau check (AECB). If you need a credit facility before 12 months of history: consider RAKBank (most accessible) or apply for a secured credit card (backed by a cash deposit). Neo-banks (WIO): currently offer debit cards only. Credit cards require a traditional bank relationship.
Corporate Card for Expense Management
For businesses with significant team expenses: virtual corporate cards (from Mashreq Business or international solutions like Spendesk/Airbase if available in UAE) allow: issuing virtual cards to team members with spend limits, real-time expense tracking, and integration with accounting software. UAE corporate expense management tools: Zoho Expense, SAP Concur, and Xero all support UAE corporate card reconciliation. For startups: a single business debit card managed by the founder is often sufficient in year 1.