UAE business credit cards give companies a line of credit for expenses, separating business spending from personal finances. Here is a guide to the best UAE business credit cards in 2025.
UAE Business Credit Cards vs. Personal Cards
UAE business credit cards: issued in the company’s name (not the individual’s), expenses are the company’s liability (not the cardholder’s personal debt), business spending is visible and reportable separately, some cards offer higher credit limits (based on company financials, not personal income), and rewards/cashback is on business spend categories (fuel, office supplies, travel). When applying: UAE banks require your company’s bank account to be with the same bank in most cases, or they require a substantial existing deposit relationship.
Best UAE Business Credit Cards 2025
Emirates NBD Business Visa Infinite: AED 3,000 monthly minimum spend. Rewards: Skywards Miles on travel, dining. Annual fee: AED 500 (waived with spend). Credit limit: typically AED 50,000–200,000+ depending on company financials. FAB Business Elite Mastercard: Business rewards programme with domestic and international benefits. Annual fee: AED 1,500. ADCB Betaqati Business: AED 0 annual fee for the first year. Business spending categories rewards. Mashreq Business Visa: Cashback on business categories. Annual fee: AED 500. WIO Bank Business Debit Card (Visa): Not a credit card — it is a debit card. But WIO’s debit card is the most accessible UAE business card for new companies with no credit history (no annual fee, no spend threshold).