Smart shoppers will know that having a good credit card in their wallet can provide substantial savings, whether for groceries, dining out, traveling, or even online purchases. But with so many cards to choose from, it can be tricky to know which ones offer the best value and discounts. And not everyone can get every card out there.

If you’re living in the UAE and want to get the most bang for your buck while shopping this year, then check out our top 10 list of credit cards that are sure to provide both convenience and cost-effectiveness along with bonus rewards. Here we outline each card's features and benefits so you can determine which one is right for you!

1. HSBC Platinum Select Card: Earn up to 3 reward points for every Dirham spent at select restaurants plus a 0% interest rate for 3 months on balance transfers.
2. ADCB Etihad Guest Credit Card: Get 8X Etihad miles for every Dirham spent with this card plus 6X miles when booking flights through www.etihad.com.
3. Emirates NBD Skywards Infinite Credit Card: Earn dedicated travel miles on all purchases plus 2 complimentary lounge visits per year at any of over 600 airports worldwide.
4. Citibank Visa Signature Card: Earn 4X reward points for every Dirham spent at supermarkets, shopping malls, or petrol stations plus additional discounts when spending on dining and entertainment activities.
5. Mashreq Neo Mastercard Card: Enjoy 0% monthly installments of up to 12 months without any fees on all purchases along with 0% interest rates on cash withdrawals from ATMs in the UAE and abroad till 31st December 2018.
6. ADIB Islamic Titanium Card: Get up to 15% discount on dining, international airline tickets, hotels, and your day-to-day purchases with unique payback offers too. Also get a free airport limo service every time you travel with this card
7. Standard Chartered Ultimate CashBack Gold Card: Enjoy 5 % Cash Back across various categories like groceries, beverages, utilities, etc. Plus get further enhanced rewards if used with Apple Pay & Samsung Pay.
8. Rak Bank Privilege World Elite MasterCard: Get an amazing 5% cash back globally along with 50 % off on selected international lounges. Also, get a complimentary Priority Pass across 450 lounges worldwide!
9. NBAD Preferred Banking VISA Infinite:  Enjoy 1 % Global Cashback every time you use your card anywhere outside the UAE, a whopping 50% discount on selected restaurants within Dubai as well as special discounts from retail outlets.
10. Al Hilal Bank Infinite Mastercard: Now get unlimited complimentary airport transfers, discounts of up to 40% at hand-selected retail merchants & access to elite airport lounges all over the world!

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With this list of top 10 credit cards offering maximum savings, you can now make an informed decision about which credit card best suits your needs and lifestyle! Now imagine if you could have every card in your wallet –that would be something!

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While it may seem like a good idea to have every credit card out there, it's really not practical--or necessary. With the XareClub you can access any credit card you need, when you need it, even without owning it. Plus, you'll enjoy added savings and benefits that come with every card in your Club.  Invite friends to join your XareClub- a private group where everyone shares their bank cards and the benefits associated with the cards.  

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There’s so much in store for you in the XareClub:

-      Find friends in the Club who have cards with maximum benefits  

-      Discover awesome bank deals that can get you extra savings

-      Never miss a shopping deal

-      Earn cashback, loyaltypoints, and more.  

-      Share cards safely without revealing your card details

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So create or join a XareClub today. You'll be glad you did!

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Know more about the XareClub, go to www.xare.co/club  or watch the video -

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