Best Credit Cards for Balance Transfer in UAEÂ
Balance transfer credit cards help you move debt from one credit card to another with lower interest rates. Many UAE banks offer 0% introductory interest for a few months, allowing you to repay debt in installments and reduce high interest charges.
Below are some of the best credit cards in the UAE that offer balance transfer options.
 Citibank Credit Cards (e.g., Citi Simplicity)
Key balance transfer features
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0% interest for up to 6 months on balance transfers.
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Flexible repayment periods up to 48 months.
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Helps consolidate multiple credit card debts into one payment.
âś” Best for people who want short-term interest-free repayment.
 Emirates NBD Credit Cards
Balance transfer benefits
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Transfer balances from another UAE bank card.
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Repayment tenors of 12, 18, 24, 36, or 48 months.
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Transfer up to 90% of the available credit limit.
âś” Good option for longer repayment plans.
 RAKBANK Credit Cards
Balance transfer features
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0% interest for the first 3 months on transferred balances.
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Processing fee around 1.95%.
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Quick transfer process with minimal documentation.
âś” Suitable for short-term debt consolidation.
 Commercial Bank International (CBI) Credit Cards
Balance transfer benefits
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0% interest for up to 6 months on balance transfers.
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Low or zero processing fee depending on the offer period.
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Easy installment repayment plans.
âś” One of the lowest-cost balance transfer offers in UAE.
 Commercial Bank of Dubai (CBD) Super Saver Credit Card
Balance transfer perks
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0% interest for 6–12 months for new cardholders.
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Processing fee applies depending on the plan.
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Additional cashback and lifestyle benefits.
âś” Great if you want balance transfer + cashback rewards.
