Best Credit Card for Self-Employed People in the UAE

Navigating the financial landscape as a self-employed individual can be as thrilling as it is challenging. One crucial tool in your arsenal is the humble credit card - but with an array of options, finding the best fit for your unique needs may feel challenging.  

‍

In this blog post, we'll guide you through the top credit cards for the self-employed in the UAE, comparing features and benefits, making your decision-making process simpler. So read on to find the credit card that can turn your everyday expenses into rewarding experiences. And make sure to check out our blog on the minimum salary required to open a bank account in the UAE if you’re wondering whether you’re eligible to open one and apply for a credit card subsequently.

‍

Emirates Islamic Bank Credit Card

‍

Emirates NBD credit cards are usually sought-after because of their various offerings. The Emirates Islamic bank credit cards are one of the best credit cards for self-employed individuals in the UAE. They offer a flexible payment plan that allows you to manage your finances easily. You can choose to pay your bills in full, pay a minimum amount, or set up a payment plan for larger purchases. Their cards also offer exclusive benefits such as complimentary airport lounge access, travel insurance, and cashback rewards on dining, grocery, and utility bill payments.

‍

Dubai First Credit Cards

‍

Dubai First Credit Cards are an excellent option for self-employed individuals who want to earn cashback rewards on their purchases. With these cards, you can earn up to 5% cashback on your dining, grocery, and utility bill payments. These cards also offer a flexible payment plan and low-interest rates, making it easier to manage your expenses.

‍

Citi Credit Cards

‍

Citi Bank Credit Cards are a great option for self-employed individuals who prefer a straightforward free for life credit card with no annual fees. Their free cards offer a low-interest rate and a long grace period of up to 50 days for payments. They also come with additional benefits such as travel insurance, purchase protection, and extended warranty coverage.

‍

Emirates NBD Credit Cards

‍

Emirates NBD credit cards are a popular option for self-employed individuals who frequently travel for business. Their travel cards offer complimentary airport lounge access, travel insurance, and discounts on hotels and car rentals. They also provide cashback rewards on purchases and a flexible payment plan to help you manage your finances better.

‍

Pyypl Prepaid Card

‍

For self-employed individuals who prefer a prepaid card in Dubai, Pyypl offers a simple and secure solution. This is a virtual Visa that allows you to load funds onto your account and use them for your purchases without worrying about overspending. With the Pyypl app, you can also manage your expenses and track your spending in real-time.

‍

While this is not a traditional credit card, it’s a popular alternative for those individuals who either don’t have access to a traditional card due to ineligibility or prefer more control over their finances to avoid making money mistakes that often come with a credit card.

‍

The Bottom Line

‍

The perfect credit card for you is out there, and it can be a powerful tool. Remember, the best option for you is the one that aligns with your spending habits, financial goals, and lifestyle needs. By taking the time to understand the diverse options available, you can confidently make a decision that supports your business and personal aspirations.