UAE credit card lounges, valet and golf: which bank gives what

What counts as a perk

We checked 58 cards from 15 banks (ADIB, Ajman Bank, Arab Bank, CBI, Citi, DIB, Deem, Dubai First, Emirates Islamic, Emirates NBD, FAB, HSBC, Mashreq, RAKBANK, Standard Chartered) and 126 perks, each matched to a verbatim quote from the bank’s page. ADCB is not covered: its site is behind bot protection.

Lounges: unlimited or N visits

50 cards include lounges. Unlimited access is stated for 8, a guest is mentioned for 13; the rest set a number of visits a month or a year. 4 cards with no annual fee include lounges.

• CBI Mastercard Titanium Credit Card (free): Complimentary access to 1,300+ eligible airport lounges worldwide when your registered flight is delayed by at least 1 hour
• Dubai First Low-Rate Credit Card (free): Free airport lounge access with the Mastercard Travel Pass app
• Emirates NBD Duo Credit Cards (Diners Club + Mastercard) (free): Complimentary Diners Club lounge visits for the cardholder; over 1,900 lounges worldwide
• FAB Rewards Indulge Credit Card (free): Access to over 25 regional and international airport lounges 4 times a year

Valet parking

• Emirates NBD Skywards Signature Credit Card (AED 735): Valet parking at selected locations in Abu Dhabi
• ADIB SHARE Visa Infinite Covered Card (AED 999): Valet parking at select locations in the UAE, 4 times a month
• FAB Elite Credit Card (AED 1,200): One free hour of valet parking up to 5 times a month at premium UAE locations (Mall of the Emirates, City Walk, Dubai Mall, Yas Mall and others)
• Mashreq Solitaire Credit Card (AED 1,500): 2 free valet parking uses per billing cycle at premium locations in Dubai and Abu Dhabi
• Emirates NBD Skywards Infinite Credit Card (AED 1,575): Valet parking at selected locations in Abu Dhabi
• Emirates NBD Visa Infinite Credit Card (AED 1,575): Valet parking at selected locations in Abu Dhabi
• Emirates NBD Priority Banking Visa Infinite Credit Card (AED 1,575): 4 complimentary valet parking services per month of one hour each at selected locations in Abu Dhabi
• DIB Emirates Skywards DIB Infinite Covered Card (AED 2,500): 4 complimentary valet parking services per month at 18 key locations across the UAE

Golf

• Emirates NBD Duo Credit Cards (Diners Club + Mastercard) (free): Complimentary access to top golf courses across the UAE
• Emirates NBD Skywards Signature Credit Card (AED 735): Complimentary access to top golf courses across the UAE
• FAB Elite Credit Card (AED 1,200): 30% off golf, or one free guest, at selected golf clubs worldwide (Mastercard Golf Programme by Thriwe)
• Mashreq Solitaire Credit Card (AED 1,500): Complimentary games of golf per billing cycle at Arabian Ranches, Abu Dhabi Golf Club, The Track Meydan, The Els Club and Jebel Ali
• Emirates NBD Skywards Infinite Credit Card (AED 1,575): Complimentary access to top golf courses across the UAE
• Emirates NBD Priority Banking Visa Infinite Credit Card (AED 1,575): Free golf in the UAE and up to 40% discount at premium golf courses worldwide
• Standard Chartered Journey Credit Card (AED 1,575): 2 golf rounds booked each billing cycle via the SpikesOn.com app
• ADIB Etihad Guest Visa Infinite Covered Card (AED 3,000): Complimentary golf with one guest at selected locations (Abu Dhabi Golf Club, Els Golf Club Dubai)

What salary you need

Only cards whose bank publishes a threshold are counted: 18 of 50.

How not to overpay for the card

Start from your habits: how many times a year you fly and use valet. If you need the perk rarely, a free card with a few visits a year beats a premium card with a fee. If the fee is over AED 1,000, check whether spend waives it — the condition is on the bank’s page linked from the full table.

Full table: every card, limit, condition and source