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Travel money guide: UAE

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The cheapest and easiest ways to use travel money cards, debit and credit cards in the UAE

With so much to see and enjoy in the United Arab Emirates, this ultra-modern oasis is full of opportunities to spend your money. From the F1, Dubai Gold Cup and the Ferrari Island, you won’t have a problem using your Mastercard or Visa credit cards, and ATMs are easy to find around the seven Emerites. We’ll help you save money on fees and get the most from your currency exchange.

Compare travel cards for UAE

Updated October 16th, 2018
Name Product Currency Conversion Fee Annual Fee APR (Annual Percentage Rate) for Purchases
$550
None (Charge Card)
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com. Rates & Fees
$250
See Rates & Fees
25,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
None
$0
13.99% variable
A low, variable APR on purchases, balance transfers and cash advances.
None
$95
17.74% to 26.74% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new Card within the first 3 months of Card Membership. Rates & Fees
$0
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
None
$195
16.99% variable
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
None
$0
14.74%, 18.74% or 24.74% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
None
$495
16.99% variable
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
None
$995
16.99% variable
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
None
$0
16.74% to 24.74% variable
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
None
$0 annual fee for the first year ($95 thereafter)
17.74% to 24.74% variable
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
None
$450
17.74% to 24.74% variable
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Compare up to 4 providers

Promoted
Travelex Money Card

Why we like: Travelex Money Card

Load GBP, EUR, CAD, AUD, JPY or MXN onto this prepaid travel money card and use it at millions of locations worldwide.

  • Not linked to your bank account for safety.
  • Convert currency with a 5.50% foreign exchange fee
  • Contactless payments
  • Reload, withdraw, or replace your card for free.

    How much should I budget for my UAE vacation?

    Accommodation, food and sight seeing can be expensive in the UAE. You’ll find very few hostels, though you’ll find budget two and three star hotels in Abu Dhabi and Dubai. You’ll find a variety of nationalities in UAE, so be ready to try food from all over the world — some for cheap. If you’re used to traveling on a backpacker’s budget, you’ll need to budget $100 a day, almost $300 for am mid-range vacation, and almost $800 for high end travels.

    Abu Dhabi Budget Midrange Expensive
    to-sleep Hostel dorm bed
    $50 per night
    3 star hotel
    $70–$200 per night
    5 star hotel
    $200–$600 per night
    food Chicken biryani at a cheap restaurant
    $5
    Shawarma platter at mid priced restaurant
    $15
    Dine at Hakkasan Abu Dhabi. Signature Peking duck
    $350
    camera Visit the Sheikh Zayed Grand Mosque
    Relax on Corniche Beachfree
    Visit the ferrari island theme park
    $100
    Dubai sightseeing trip from Abu Dhabi
    $115

    *Prices are indicative and subject to change

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    Travel card, debit card or credit card?

    There are no US prepaid travel cards that will hold Emirati dirhams. Visa or Mastercards are widely accepted, and find a credit card that offers rewards for spending to get the most value.

    While many smaller businesses and taxis now take cards, it’s always important to have some cash on you while you’re traveling. You’ll see familiar banks with ATMs Citi and HSBC.

    A quick summary of travel money options for UAE

    Travel money option Pros Cons
    Debit cards for travel
    • No currency conversion, ATM withdrawals, account keeping fees
    • Widely accepted at UAE merchants and ATMs
    • Free withdrawals on Citi ATMs
    • International ATM and currency conversion fees
    • No access to cash advances
    Prepaid travel money cards
    • Allow you to load and spend in Dirham
    • No currency conversion fees for some cards
    • Let you make over the counter purchases and ATM withdrawals
      • Can’t load dirhams
    Credit cards for travel
    • Features such as complimentary travel insurance and reward points earning
    • Accepted worldwide
    • Security with chip and PIN
    • Contactless payment terminals are common
    • Cash advance fees
    • Higher spending limit
    Traveler’s checks
    • Acceptance
    • Security
    • Can be costly with initial purchase charges
    • Not all merchants accept traveler’s checks
    Cash
    • Greater payment flexibility
    • Convenience
    • More difficult to manage expenses
    • Higher risk of theft

    This table is a general summary of the travel money products in the market. Features and benefits can vary between cards.

    How cards, checks and cash work in the UAE

    Using prepaid travel cards

    Travel cards can lock in conversion rates once you load USD. Use it for purchases without worrying about rates each time you spend — debit and credit cards often charge 3% for each transaction.

    Where you save in the conversion rates you may pay in fees. You’ll pay fees each time you load the card, ATM withdrawals and sometimes even an inactivity fee.

    No travel cards support UAE dirhams, so look for a card that waives currency conversion fee, such as Travelex. It won’t charge for currency conversion when you spend in dirhams, which can be higher than what you’d pay if you use your regular debit or credit card. The downside is these cards charge a couple of dollars for international ATM withdrawal in UAE.

    • Tip: Order a travel card online so it has your name printed on the front.

    Using debit cards

    A debit card could be a good travel money choice to take to UAE. You’ll have access to cash each time you come across an ATM, without carrying lots of cash on you all at once. Because you’re spending your own money, you avoid interest charges. Find a bank that waives the fee for international ATM withdrawals and doesn’t charge a monthly account keeping fee.

    • Tip: A debit card can be used to shop over the counter, online and for ATM withdrawals in UAE.

    Using credit cards

    You’ll have no problems using Visa and Mastercard almost everywhere in the UAE. Some hotels in Abu Dhabi and Dubai require a credit card for deposits, so it’s a good idea to have one with you.

    Credit card that waives foreign transaction fees are the best for traveling to UAE, and will save you on each purchase you make. You can find credit cards with the added benefit of travel insurance and rewards. To save even more, take advantage of the interest-free period by paying your balance in full each month.

    Cards that offer travel perks and waive fees often charge an annual fee, so make sure the fee is worth it before you bring it along on your travels. If you’re ever in a jam, credit cards also offer cash advances, though we don’t recommend it. You’ll pay high fees and interest rates apply the moment you get your money.

    Using traveler’s checks

    Security is the main advantage of using traveler’s checks. Each check has a unique serial number and can only be cashed with photo identification. But the fees and difficulty you’ll have cashing them make them not worth the trouble. You’re better off using a debit card which lets you make cheap or free ATM withdrawals.

    • Tip: Traveler’s checks are good for locking in a good exchange rate. So if you watch the forex market, get them while the getting’s good.

    Paying with cash in UAE

    You can use your credit card, debit card or travel card in many places throughout the UAE. Smaller businesses such as cafeterias and cafes, some public transportation, street vendors and souks are all cash only. ATMs are widespread in the cities, so you’ll have many chances to withdraw cash if you need it.

    Exchanging cash

    If you have American dollars you want to change when you arrive, avoid exchanging cash at your hotel or at the airport. You’ll get a better rate if you wait untill you get into the city. Have a look in shopping centers for exchange offices.

    ATM withdrawals

    Some of the banks you’ll recognize in the UAE include Citi, HSBC and Barclays Bank. International banks will give you a higher ATM withdrawal limit than local banks. Try to select a withdrawal amount that gives you notes in a smaller denominations. Large bills can be hard to cash outside your hotel. You’ll find ATMs in the international airports, so get money once you go through customs and before you get in a taxi.

    Dean's trip to Abu Dhabi

    Dean visited Abu Dhabi so he could attend the F1 Grand Prix. He spent about four nights in Abu Dhabi and two nights in Dubai before flying back home. He was at the Yas Marina circuit to watch the practice and qualifying laps and the race. Dean says at the end of each day there were performances from major artists like Florence and the Machine.

    What cards did you take with you?

    Why did you take these cards?

    Dean says he travels frequently and he uses his Barclaycard as his main travel account. It waives his foreign transaction fees and gets 2x miles for all purchases on his vacation. The Capital One 360 debit card is his day to day account and it doesn’t charge for currency conversion or international ATMs.

    Where could you use your cards?

    Dean says he could use his cards most places he visited. He made a withdrawal from an ATM when he landed but he says he used his credit card to pay for the taxi from the airport and for a deposit when he checked into the hotel. When he ventured into the city, he could use his debit card all the time except for when he ate in a few of the smaller restaurants (he didn’t ask if they took card but he thinks there’s a good chance they do). He adds that a few of the taxis were cash only.

    What about ATM withdrawals?

    Dean only made two ATM withdrawals. The first time was in the airport and the second time in Abu Dhabi mall. He says there was no issue with ATM acceptance or availability. There was always an ATM around the corner, he says.

    What’s your recommendation for UAE travel money?

    Dean says the Barclaycard should be in the back pocket of everyone who travels internationally.

    Do you have any tips?

    Dean says there’s a service charge of 10% at places like hotels and restaurants included in the bill for tips. He says it can’t hurt to round taxis up to the nearest five dirhams.

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    Buying dirhams in the US

    You can get a better rate of exchange if you withdraw cash from an ATM in the UAE using a low fee travel account. You can always send your money to teh UAE ahead of time with a money transfer service and have it waiting to be picked up when you arrive.

    • Tip: Travelex has locations at major US airports, you can order currency online and pick up dirhams before you get on the plane.

    Why you’ll need a combination of travel money options

    The travel money products on this page work best when they’re used together. Depending on the card, take advantage of interest-free days, complimentary insurance and an emergency line of credit with a credit card. However, you can’t use credit cards for ATM withdrawals, so you’ll need to consider a travel friendly debit card. Fees aside, spread your travel budget across a couple of different travel money types, this way, a lost or stolen card won’t derail your trip.

    If you have any questions about using travel money in the UAE, get in touch with us using the form below.

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    Get travel insurance quotes for your vacation in UAE

    Details Features
    Seven Corners Trip Protection Insurance
    Seven Corners Trip Protection Insurance
    Travel with a smile - protect your trip cost, your medical expenses, & your belongings.
    • Emergency Accident & Sickness Medical Expenses up to $250,000
    • Trip Cancellation – 100% of Trip Cost
    • Trip Interruption – up to 150% of Trip Cost
    • Political Evacuation - $20,000
    • Lost, Stolen or Damaged Baggage – up to $2,500
    • Emergency Medical Evacuation – up to $1 million
    Go to site More info
    Travelex Travel Max
    Travelex Travel Max
    TravelEx's most comprehensive protection plan for the comprehensive traveler. Offers optional Cancel For Any Reason upgrade.
    • Trip Cancellation - 100% of Insured Trip Cost
    • Trip Interruption - 150% of Insured Trip Cost
    • Trip Delay - $1000
    • Medical Expense Benefits - $100,000
    Go to site More info
    RoamRight Travel Insurance Essential
    RoamRight Travel Insurance Essential
    RoamRight’s Essential travel insurance package can be broken down into three critical parts: Trip Cancellation insurance, tourist health insurance, and baggage insurance.
    • Cancellation Cover - 100% Cost of Trip
    • Emergency Medical Expenses - $15,000
    • Emergency Evacuation and Repatriation - $150,000
    • Baggage and Personal Effects Cover - $750
    Go to site More info
    STA Travel Standard International
    STA Travel Standard International
    Get affordable cover for the essentials of options with STA's mid-level cover policy. This option will still provide up to $1500 in luggage cover and up to $100,000 in medical cover.
    • Trip Cancellation Cover - 100% of trip cost insured up to $10,000
    • Emergency Medical Expenses Cover - Up to $100,000
    • Baggage and Personal Effects - Up to $1,500
    • Trip Delay - Up to $500
    Go to site More info
    RoamRight Travel Insurance Preferred
    RoamRight Travel Insurance Preferred
    As the name implies, the Preferred package provides coverage for most trips and vacations.
    • Cancellation Cover - 100% Cost of Trip
    • Emergency Accident & Medical Expenses - $50,000
    • Emergency Evacuation and Repatriation - $500,000
    • Accidental Death and Dismemberment - $10,000
    Go to site More info
    Travelex Cancel for Any Reason
    Travelex Cancel for Any Reason
    Cancel For Any reason upgrade available with the Travel Max plan. Cancel for any reason - no questions asked.
    • Reimburses up to 75% of the insured trip cost
    • 100% cover if delayed to departure and loose at least 30%
    Go to site More info
    Atlas Travel
    Atlas Travel
    Provides customizable coverage for specific losses. Cover can be tailored to provide a balance between the basic essentials and premium cover.
    • Illness and Injury Cover - Up to $1 million
    • Emergency Medical Evacuation - Up to $1 million
    • Lost Checked Luggage - Up to $500
    • Travel Delay - $100/day up to 2 days
    Go to site More info
    Atlas Premium
    Atlas Premium
    Provides quality cover for a range of benefits with higher cover limits. Premium plan is perfect for travellers with health concerns looking for total protective cover.
    • Illness and Injury Cover - Up to $2 million
    • Emergency Medical Evacuation - Up to $1 million
    • Lost Checked Luggage - Up to $1,000
    • Travel Delay - $200/day up to 2 days
    Go to site More info
    Travelex Flight Insure Plus
    Travelex Flight Insure Plus
    Provides option to choose between different levels of flight insurance protection.
    • Flight Accident AD&D - Up to $1 Million
    • Baggage - $2,000
    • Medical Expense Benefits - $2,500
    • Medical Evacuation / Repatriation - $25,000
    Go to site More info
    STA Travel Explorer Plus
    STA Travel Explorer Plus
    Get premiere cover for a whole range of options with STA's premium policy. This option will still provide up to $100,000 in medical expense cover and up to $3,000 in cancellation cover.
    • Trip Cancellation Cover - $3,000
    • Emergency Medical Expenses Cover - Up to $100,000
    • Baggage and Personal Effects - Up to $2,500
    • Trip Delay - Up to $1,000
    Go to site More info
    Allianz Domestic Travel Insurance
    Allianz Domestic Travel Insurance
    Allianz Domestic Travel Insurance makes sure you are covered incase your planned trip unexpectedly goes awry.
    • Trip coverage - Depends on plan
    • Baggage coverage - Up to $1,000
    • 24-hour hotline assistance
    • Existing medical coverage - Up to $500,000
    Go to site More info
    Allianz International Travel Insurance
    Allianz International Travel Insurance
    If you frequently travel abroad and want extra coverage in case you get sick, injured, or need to cancel your trip, Allianz International Travel Insurance is the perfect solution.
    • Trip coverage - Depends on plan
    • Baggage coverage - Up to $1,000
    • 24-hour hotline assistance
    • Existing medical coverage - Up to $1,000,000
    Go to site More info
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