Best UAE business credit cards for SMEs and entrepreneurs

Person with hijab holding credit card next to laptop | Best UAE business credit cards for SMEs and entrepreneurs.jpg

Business credit cards offer various perks and rewards, which can be very useful for any entrepreneur. Small businesses can equally benefit as they have access to a credit limit that allows them to pay bills and have a healthy cash flow. Small and medium-sized companies in the UAE have many business credit options to choose from to cater to every business need. However, it's vital to consider a credit facility that offers a revolving line of credit with favorable terms and conditions while providing good business perks such as travel and leisure benefits. 


Here is a list of the 5 best business credit card options for entrepreneurs and SMEs in the UAE, including their top benefits and application requirements. 


CBD Business Credit Card

The Commercial Bank of Dubai Credit Card offers attractive business, and lifestyle perks for any business set up in Dubai. This card is targeted towards owners and employees of registered companies in the manufacturing, trading, service, or professional sectors. There is a generous credit limit to cover business needs, plus personal lifestyle perks.

Key Benefits 

  • It provides lifetime free credit cards with a 250,000 AED maximum credit limit

  • Access to credit for up to 52 days interest-free

  • Provides a cash advance for up to 50% credit limit for emergency expenses

  • Offers a flexible repayment plan of 5% to 100% on balance owed with interest rates as low as 3.45%

Eligibility Requirements

  • Applicants have to be in the age range of 25 -65 years

  • Businesses need to have a minimum bank balance of 25,000 AED


The Emirates NBD Business Credit Card 

The Emirates NBD Business Credit Card is an excellent option offering a wide range of in-built services, including high cash limits, Plus Points, airport lounge access, and other lifestyle benefits. 

Key Benefits 

  • Repayment starts from as low as 5% on the outstanding card balance

  • Allows an installment plan at low interest monthly

  • Offers a credit limit of up to 75%

Eligibility Requirements 

  • Requires a minimum age limit of 18 years

  • Applicants to have a verified source of income

  • Needs a valid UAE identification and passport

  • Use of a current UAE mobile number


RAKBANK Titanium Business Credit Card 

The RAKBANK Titanium Business Credit Card offers superior advantages for an international business traveler. There is unlimited access to airport lounges in Dubai, Abu Dhabi, Kuwait, and Cairo airports, plus wide coverage for over 36 million enterprises globally displaying the MasterCard logo. 

Key Benefits 

  • Access to a cash advance facility of up to 90% of the credit limit

  • Allows 1% cashback on all local and international retail, cash, and internet transactions. This is ideal for a business dealing with domestic and international suppliers

  • Zero annual fees charged

  • Interest-free credit access for up to 55 days

Eligibility Requirements 

  • Minimum 5 years of business operation

  • Business should earn a minimum revenue of AED 2,500,000


ADCB Self Employed Business Credit Card 

As the name suggests, the ADCB Self-employed Business Credit Card has the small business owner in mind. It comes with integrated features such as contactless and 3D secure cards to carry out safe physical and internet transactions in multiple outlets and ATMs with MasterCard logo designations globally. The credit card is customized to help meet the financial obligations of both the business and employees. 

Key Benefits 

  • It acts as a joint and several liability credit card for the business and employees

  • Employees can access a maximum credit limit of up to two-thirds of the credit limit of the business

  • Has a higher credit limit than personal credit cards

  • Takes into account the credit status of the business for approval and issuance of credit card

Eligibility Requirements 

  • A business needs to have operated for a minimum of three years in Abu Dhabi, Sharjah, or Dubai.


MasterCard BusinessCard 

The MasterCard BusinessCard is an all-inclusive credit tool for a business to easily track expenses and do business globally with airport lounge access offers. MasterCard has wide accessibility with merchants and ATMs in the UAE. There are multiple benefits catered to small businesses promoting daily activities such as cash flow management and budgeting. 

Key Benefits 

  • Offers tailored SME insurance rates with 5% savings

  • Allows up to 20% discount on daily business shipping charges (minus insurance charges and fuel surcharges)

  • Has a corporate liability waiver protection of up to an annual amount of $25,000 for individual cardholders and up to $1,600,000 for the business

  • Has the MasterCard Buy 1 Get 1 offer to access redeemable offers across the Middle East and Africa

Eligibility Requirements 

  • Over 20 UAE banks such as the United Arab Bank, Abu Dhabi Commercial Bank, and Emirates Islamic Bank offer the MasterCard Business Card option with their individual terms and conditions.


SMEs in the UAE contribute significantly to the country's GDP, and having access to credit is essential. Choosing a commercial banking partner is a critical step for any business, and with competitive offers and services, selecting the best partner can be a challenge. As Dubai continues to grow, the opportunities for agile companies will also flourish. For businesses ready to take the next step in Middle East markets, Sentinel Business Centres offers a full suite of licensing solutions, as well as fully serviced offices, visa services, and more. Contact a member of our team to learn more.