Top 5 Business Credit Cards in the UAE 2025

Here’s our deep dive into the top five business credit cards available this August, spotlighting their key features, benefits, and the types of businesses they suit best.

1. Emirates NBD Business Credit Card

Best for Rewards Across Common Business Expenses

Rewards Structure: Earn Plus Points across categories — 5% on hotels (up to 400 pts/month), 2% on international spend (1,000 pts cap), 1% on government services, utilities & petrol (300 pts cap), and 0.5% on supermarkets (300 pts cap).

Perks: Corporate liability waiver, logistics discounts, chauffeur and rental car offers, and easy utility bill management via app.

Ideal For: SMEs with frequent hotel, international, and operational spend looking for structured rewards and business-oriented perks.

2. RAKBANK Titanium Business Credit Card

Best for Zero Annual Fee and Employee Access

Cost & Cashback: No annual fee, with 1% cashback on all domestic and international spends (capped at AED 1,000/month).

Advantages: Cash advance up to 90% limit, credit cheque facility, high credit line, travel & insurance benefits, and employee card issuance.

Ideal For: Cost-sensitive businesses that need flexible employee access and wide-spanning cashback benefits.

3. Commercial Bank of Dubai (CBD) Business Credit Card

Best for Premium Lifestyle Benefits

Key Features: Free-for-life card offering credit limits up to AED 250,000, cash advance up to 50%, and an interest-free grace period of up to 52 days.

Lifestyle Perks: Complimentary airport lounge access, valet parking, multi-trip travel insurance, movie discounts, and CBD Rewards Points.

Ideal For: Business owners who blend professional travel with corporate elegance and entertainment.

4. Emirates Islamic Business Card

Best for Travel and Sharia-Compliant Benefits

Perks: Unlimited access to over 750 airport lounges, EI SmartMiles on all purchases (redeemable on travel, hotels, and retail), balance transfer facilities, and “cash-on-call” features.

Ideal For: Businesses prioritizing travel flexibility, Sharia compliance, and extended usage privileges.

5. Abu Dhabi Commercial Bank (ADCB) Business Platinum Credit Card

Best for Cashback-Focused Spending

Rewards & Perks: 1% cashback on all purchases, complimentary lounge access (3 visits/year), and “Buy 1 Get 1” offers on fine dining and spa experiences.

Additional Benefits: Credit Shield insurance, interest-free balance transfers, and easy access to cash loans.

Ideal For: Businesses seeking solid cashback with added lifestyle advantages and flexible financial options.