How to Get a UAE Business Credit Card for Your Free Zone Company 2026
UAE business credit cards are useful for managing expenses. Here is the 2026 guide to getting a business credit card as a UAE free zone company owner.
In this guide:
UAE Business Credit Card Overview
- UAE business credit cards: Issued by UAE banks to registered businesses; separate from personal credit card
- Benefits: Expense tracking; reward points; purchase protection; higher limits than personal cards
- Requirements: Active UAE business bank account; trade licence; sometimes 6-12 months of account history
UAE Business Credit Cards Available
- Emirates NBD BusinessEdge Visa: Business credit card with cashback and rewards
- RAK Bank Business Credit Card: Business spending rewards; available for SMEs
- Mashreq Business Credit Card: Miles rewards; accepted globally
- FAB Business Credit Card: Strong for large spending companies; premium card options
- Wio Business Visa Debit Card: Not a credit card; but provides a physical Visa card for business spending
How to Apply for UAE Business Credit Card
- Have an existing UAE business bank account (minimum 6-12 months for most credit card applications)
- Contact your UAE bank and request a business credit card application form
- Submit: Trade licence, MOA, bank statements, shareholder passport and Emirates ID
- Bank reviews creditworthiness: Based on account history, turnover, and business age
- Card issued: AED 5,000-500,000 credit limit depending on turnover
New UAE Company Credit Card Challenges
- New companies (less than 1 year): Difficult to get traditional credit card; try after 12 months of trading
- Alternative: Wio Business Visa debit card; no credit line but immediate and useful for online payments
- Secured credit card: Some banks offer secured business cards (deposit 100% of limit as collateral); good for new companies building credit history