DIB Infinite • Citi Ultima • ADIB Diamond • Marriott ENBD • Mashreq Solitaire • Chase Sapphire Preferred
Last verified: 26 Jun 2026
Why: You pay 0% FX fees, instantly saving you ~3% compared to your UAE cards. Plus, you earn 3x points on global dining and 2x on global travel.
Hotels IN the UAE (AED): Use Marriott Bonvoy (ENBD). You earn 6 Marriott Points per $1 spent, with no FX fee. It's an unbeatable return.
Hotels ABROAD (Non-AED):
Option A: Use ENBD to earn 6x points, but accept the ~3% FX fee.
Option B (Safer): Use CSP to earn 2x Chase UR points on travel, or 5x through Chase Travel where pricing makes sense, and avoid the 3% FX fee entirely.
If buying in AED: Use your DIB Infinite. It's a co-branded card built specifically to maximize Skywards miles on Emirates spend.
If buying in USD/Foreign Currency: Use CSP to earn 2x points on travel and avoid the ~3% bank fee, unless you are inches away from a Skywards tier upgrade.
Why: The CSP offers Primary Auto Rental CDW. If you damage the rental car, Chase's insurance covers it directly without you needing to file a claim with your personal car insurance first. Do not use your UAE cards for renting cars.
Why: The CSP's "3x on online groceries" usually excludes UAE local merchants (like Instashop or Carrefour) due to foreign merchant codes. Keep your US card for travel.
DIB Infinite (Skywards Miles per USD 1):
Emirates: 2 | Foreign: up to 1.5 | Local AED: up to 1 | Restricted categories: check current DIB terms
Citi Ultima (Citi Miles per USD 1):
International: 5 | Local AED: 2.5 | Fuel/Grocery: 2.5 | Govt/Edu/Utilities: 1
ENBD Marriott (Bonvoy pts per USD 1):
Marriott Hotels: up to 6 | General: up to 3 | Reduced categories: 0.75 or 0.30
Mashreq Solitaire (Vantage pts per AED 1):
International: 6 | Travel: 4 | Local: 2 | Other local: 1
CSP (Chase UR pts per USD 1):
Chase Travel: 5x | Dining/online groceries/streaming/gas/EV charging/select vacation rentals: 3x | Travel: 2x | Everything else: 1x
Chase UR and Citi Miles are the flexible currencies in this setup. Confirm availability in the bank app/portal before moving points because transfers are final.
Chase UR via CSP (generally 1:1):
Airlines: Aer Lingus AerClub, Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Club, Iberia Club, JetBlue TrueBlue, Singapore KrisFlyer, Southwest Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club.
Hotels: World of Hyatt, Marriott Bonvoy, IHG One Rewards, Wyndham Rewards.
Citi Ultima Citi Miles (generally 1:1):
Airlines: Singapore KrisFlyer, Cathay Pacific Asia Miles, British Airways Club, Etihad Guest, EVA Air Infinity MileageLands, Air France-KLM Flying Blue, Qantas Frequent Flyer, Qatar Airways Privilege Club, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles.
Hotels: IHG One Rewards.
Marriott Bonvoy points transfer to 40+ airlines, usually at a weaker 3:1 ratio.
| Candidate Card | Closest Current Card(s) | Where Candidate Wins | Where Your Current Stack Wins | Drop / Keep Call |
|---|---|---|---|---|
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ENBD Priority Banking Visa Infinite
AED 1,500 / 1,575 range; Priority Banking eligibility likely required. Card source · Beach/gym source |
ADIB Diamond, Mashreq Solitaire, ENBD Marriott | Best missing lifestyle benefit: complimentary premium beach clubs and gyms via Thriwe, including venues such as Anantara The Palm, BCH:CLB, Cafe Del Mar, Emirates Palace, Park Hyatt Abu Dhabi, Saadiyat Beach Club, Barry's, Burj Club, UFC Gym, Wellfit. | Does not beat CSP for foreign spend or rental car CDW; does not beat ENBD Marriott for Bonvoy free night; does not beat Citi for 3rd-night-free. |
Consider add Add if you will use beach/gym access. If you add it, consider dropping ADIB Diamond only if ADIB is mainly for gym/lounge and not tied to banking relationship. Keep ENBD Marriott. |
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ADCB Traveller
AED 1,575 annual fee; AED 5k monthly spend for cashback. Source |
CSP, Citi Ultima, UAE cards for travel spend | UAE-issued 0% foreign-currency fees, 10% cashback on flights/hotels, 14 lounge visits + guest, 4 Careem airport transfers, GHA Titanium, Hertz President's Circle. | CSP still has stronger primary rental car CDW, US trip protections, and flexible Chase transfers. Citi still has 3rd Night Free. Cashback needs monthly spend and category/MCC accuracy. |
Consider add Add only if you want a UAE card for international travel bookings. Do not drop CSP. Could reduce Citi usage, but do not drop Citi if you use 3rd Night Free or Citi Miles transfers. |
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RAKBANK Elevate Privilege
AED 199 + VAT monthly fee unless AED 20k monthly spend; first 3 months free for new cardholders. Card source · Offer source |
Mashreq Solitaire, ADIB Diamond, CSP | Zero foreign transaction fees, up to 3.2% back for airline/hotel redemptions, 6 airport transfers, 1,300+ lounges, beach/pool/gym access on premium tiers, streaming cashback, and Zofeur rides. | Fee/tier value depends on monthly spend and tier. CSP still has stronger US travel protections and flexible Chase transfers. Mashreq already covers Fitness First/golf/transfers if AED 10k spend is easy. |
Trial only Worth testing only if Viya venues fit your life and AED 20k/month spend is natural. If it works, it can replace Mashreq Solitaire as lifestyle card. Otherwise skip. |
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Emirates NBD Voyager World Elite
First year free; AED 1,500 second year onward; minimum salary AED 25k. World version is free-for-life with lower salary and earn. World Elite source · World source |
CSP, Citi Ultima, ENBD Marriott, ADCB Traveller | New travel ecosystem card: Voyager portal earn up to 12 miles/AED on World Elite, domestic/international airport transfers, international meet-and-greet, visa appointment/processing support, fast track, lounge access, golf/cinema/valet lifestyle package. | CSP still wins if non-AED FX fees apply and for primary rental CDW/US protections. Citi still has 3rd Night Free. ENBD Marriott still wins for Marriott 50k free night and elite-night credits. |
Consider only after KFS Interesting new launch, but do not drop CSP or ENBD Marriott unless ENBD confirms card-specific FX treatment and Voyager Miles redemption value beats Chase/Citi/Bonvoy for your real bookings. |
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Standard Chartered Journey
Travel/lifestyle card; Journey and Priority Private Journey variants have different spend gates. Source |
Mashreq Solitaire, ADIB Diamond, Citi Ultima | 4 Careem airport rides/year, Warehouse Gym access up to 30 visits per statement, golf via SpikesOn, 10% airport duty-free cashback, VOX/Reel B1G1, and travel rewards. 2026-2027 campaign can raise golf to 2 rounds/month with AED 12k spend. | Mashreq already has Fitness First, 6 transfers, 4 golf games per cycle, Marhaba, and cinema if AED 10k spend is easy. Citi has stronger hotel/flight concierge. ADIB/DIB remain stronger for broad lounge backup. |
Watch / possible swap Consider replacing Mashreq Solitaire only if Warehouse Gym is more useful than Fitness First and SC confirms your exact Journey variant's annual fee, lounge rules, and spend gates. |
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CBD Visa Infinite
First year free; fee waived after AED 100k annual spend; AED 15k minimum salary. Source |
DIB Infinite, ADIB Diamond, Citi Ultima, Mashreq Solitaire | Strong low-cost duplicate: 12 lounges, 4 golf rounds/month subject to AED 10k spend, 3 valet/month, 50% VOX, Visa Infinite insurance and concierge. | No beach/gym gap coverage. Mostly duplicates what you already have. Rewards are less compelling than Citi/Chase/Marriott for your setup. |
Skip unless simplifying Good replacement only if you want to cut annual fees and consolidate generic UAE perks. Could replace ADIB Diamond or DIB for generic Visa Infinite perks, but not for Emirates/Skywards strategy. |
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HSBC Black
AED 1,575, but HSBC says not available to new customers. Source |
Citi Ultima, Mashreq Solitaire, ADCB Traveller | 14 lounges, GHA membership, Careem Plus, Zomato Gold, 4 Careem airport rides, 2 golf rounds/month, travel insurance, rental CDW. | Unavailable to new customers. Citi has stronger hotel 3rd-night-free. CSP remains stronger for primary CDW and transfer partners. |
Do not chase If HSBC offers it through relationship banking, consider it. Otherwise ignore. |
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ADCB ALL Accor Infinite
AED 1,575; availability needs direct confirmation. Source |
ENBD Marriott, Mashreq Solitaire, ADIB Diamond | Accor ecosystem: beach/pool/gym access at select Accor UAE hotels, Accor Platinum path, anniversary night, Accor dining/spa discounts. | Your Marriott card is better if you stay Marriott. Program availability is uncertain and user reports suggest ALL cards may have been discontinued for new customers. |
Verify availability Add only if ADCB confirms new applications and you prefer Accor/Rixos/Fairmont/Sofitel access. Do not drop ENBD Marriott unless you actually switch hotel loyalty away from Marriott. |
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Emirates Islamic Skywards Black
AED 2,100 without Gold fast track; AED 5,775 with Gold route. Source |
DIB Skywards Infinite | Stronger Emirates earn rates, Skywards Silver plus Gold fast-track path, unlimited golf, 4 airport transfers, lounge access, 25% Skywards miles purchase discount. | Much higher fee and multiple spend gates. DIB already covers Skywards Silver and Emirates-focused earning at lower complexity. CSP is still better for foreign-currency Emirates tickets. |
Usually no Replace DIB only if Emirates Gold fast-track has real value for you and you will meet the Emirates spend requirement. Otherwise keep DIB or consider dropping DIB if Skywards Silver is not used. |
| Current Card | Keep / Drop Recommendation | Why |
|---|---|---|
| Chase Sapphire Preferred | Keep | Hardest to replace: 0% FX, primary rental CDW, strong travel protections, Chase transfer partners. ADCB Traveller can complement it, not replace it. |
| Citi Ultima | Keep if used | 3rd Night Free, Citi Miles transfer partners, flight rebate, concierge, 4 airport rides, and solid lounge backup. Drop only if you never use hotel/flight concierge or Citi Miles. |
| ENBD Marriott Bonvoy | Keep | Annual 50k free night and Marriott Gold/15 elite nights are distinct. Lounge value is weaker after Mastercard Travel Pass caps, so keep mainly for Marriott stays and the free night. |
| ADIB Diamond | Possible drop | Strong for lounges and Diamond lifestyle, but overlaps heavily with DIB/Citi/Mashreq. If you add ENBD Priority for beach/gym, ADIB becomes the easiest card to rationalize unless it is tied to banking benefits. |
| DIB Skywards Infinite | Conditional keep | Keep if Emirates Skywards Silver, Emirates AED spend, and the 4 annual DIB airport transfers matter. Drop if you rarely fly Emirates or if Skywards miles are not a priority, because lounge/golf/valet overlap is already covered elsewhere. |
| Mashreq Solitaire | Conditional keep | Keep if you naturally meet AED 10k previous-cycle spend and use Fitness First, Marhaba, golf, transfers, or cinema. If not, it is the most spend-gated lifestyle card in your stack and can be replaced by ENBD Priority or RAKBANK Elevate. |
| Category | Card & Benefit Details | How to Avail & Notes |
|---|---|---|
| 🎩 VIP Services & Transfers |
Mashreq Solitaire
Marhaba Silver Meet & Greet: 6/year. Airport Transfers: 6/year to/from DXB or Abu Dhabi Airport, max 1/month. Car Assistance: 1 vehicle registration pickup/drop-off per year and 2 vehicle servicing pickup/drop-offs per year. Requires AED 10k eligible spend in the previous billing cycle.
Citi Ultima Marhaba Meet & Greet: 2x/Year (up to 3 travelers, escort + fast track). Airport Fast Track: 3 passes/year. Home Check-in: 4x/Year (via concierge). Transfers: 4 Careem airport rides/year (up to AED 84 each, code: MAUAE6). ENBD Marriott (World Elite) Airport Transfers: 4/year. Courier Service: 12/year. Car Service & Registration: 1/year. DIB Infinite Airport Transfers: 4/year between Dubai International Airport Terminal 3 and Abu Dhabi, and vice versa. Emirates Skywards Silver Status: Business class check-in, priority boarding, 12 kg extra baggage, Emirates lounge (DXB), complimentary seat selection. Transfers require booking at least 2 calendar days ahead, an Emirates Airline ticket purchased with the DIB Infinite card within 6 months, and AED 8k minimum monthly spend. If not met, up to AED 335 excluding VAT may be charged.
ADIB Diamond Marhaba Meet & Greet: 2x/Year at DXB. |
Mashreq: Book Marhaba, airport transfer, and car services through Mashreq's benefit booking process; AED 10k previous-cycle spend applies. Source
Citi: Call Citi Ultima Concierge at +971 4 311 4000 at least 48h ahead for Marhaba/home check-in/airport services. Source
ENBD Marriott: Book on the Emirates NBD concierge services website at least 2 working days in advance; travel tickets should be paid with the eligible card for airport transfers. Source
DIB: Book airport transfers through the DIB benefits portal; use Emirates Skywards Silver by showing your digital Emirates Skywards card in the Emirates app/account. Source
ADIB: Call 800 200 to book Diamond Marhaba benefits. Source
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| 🛋️ Airport Lounges |
ADIB Diamond
Unlimited visits + 1 guest. Network: LoungeKey (Visa Airport Companion). 900+ lounges worldwide. DIB Infinite Unlimited visits + 1 guest. Network: DragonPass (Visa Airport Companion). 1,200+ lounges. Requires min 1 USD foreign spend 15 days prior (else USD 32/person). First visit/year is free unconditionally.
Citi Ultima 14 visits/year + 1 guest per visit. Network: Mastercard Travel Pass. 1,200+ lounges. 2 visits free unconditionally. Full 14 unlocked by any 1 USD non-AED transaction (valid 3 months).
Mashreq Solitaire 12 visits/year for cardholder or cardholder + 1 guest. Network: LoungeKey / 1,000+ lounges. Full 12 visits require one international transaction greater than USD 1 per calendar year. Without the unlock, only 2 visits are complimentary.
ENBD Marriott (World Elite) Mastercard Travel Pass lounge/dining offers subject to 2025 capped access rules. Network: Mastercard Travel Pass (DragonPass). 1,200+ lounges. Current support page says Marriott Bonvoy World Elite cardholders receive 2 complimentary airport lounge access / airport dining offers before meeting spend. Subsequent access up to the card cap requires a USD 1 international transaction within 3 months plus AED 5,000 monthly spend in the month used; otherwise USD 32 or benefit-equivalent charges may apply.
Chase Sapphire Preferred No lounge access included. Use UAE cards for lounges.
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ADIB: Register in Visa Airport Companion / LoungeKey and show the digital membership at the lounge. Source
DIB: Register in Visa Airport Companion; make the required foreign transaction before travel and show app access at the lounge. Source
Citi: Register on Mastercard Travel Pass and make the qualifying non-AED transaction to unlock the full annual allowance. Source
Mashreq: Use LoungeKey access after the >USD 1 international transaction unlock; allow up to 15 days for eligibility to show. Source
ENBD Marriott: Register/re-enroll on Mastercard Travel Pass and confirm free access in the app before each trip. Source
CSP: No lounge redemption flow because lounge access is not included. Source
Strategy: Use ADIB or DIB for lounges (unlimited). Citi is a strong backup once the non-AED spend unlock is active. Mashreq is useful for 12 annual visits after its >USD 1 international unlock. Treat ENBD Marriott as a capped backup and use it only after the Mastercard Travel Pass app shows complimentary access.
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| 🏨 Hotel Perks |
Citi Ultima
3rd Night Free: Any hotel worldwide, unlimited usage, no blackout dates (via concierge, min 3 consecutive nights). 50% Off Flight: 1x/year, up to AED 2,000 rebate (via concierge). ENBD Marriott (World Elite) Gold Elite Status: 25% bonus points on stays, room upgrades (subject to availability), 2 PM late checkout. 15 Elite Night Credits/year (only need 35 nights for Platinum instead of 50). 1 Free Night Award/year (up to 50,000 points value, on annual fee payment). Platinum Elite: Achievable at US$100k annual card spend. DIB Infinite Visa Luxury Hotel Collection: 900+ properties — upgrades, free breakfast, late checkout, USD 25 F&B credit. Chase Sapphire Preferred Up to $100 Annual Hotel Credit (via Chase Travel portal). Mashreq Solitaire Travel/Luxury Hotel Positioning: Earns elevated Vantage points on travel and international spend. Use mainly when a Mashreq-specific travel offer outweighs UAE FX fees. |
Citi: Book 3rd Night Free and the annual flight discount through Citi Ultima Concierge (+971 4 311 4000). Source
ENBD Marriott: Free Night Award posts after annual fee payment; redeem in Marriott Bonvoy. Elite status/ENCs are linked through the card's Marriott Bonvoy account setup. Source
DIB: Book eligible properties through Visa Luxury Hotel Collection and pay with the DIB Infinite card. Source
CSP: Book prepaid hotel stays through Chase Travel to trigger the $50 annual hotel credit. Source
Mashreq: No fixed hotel-status redemption flow listed here; use the card/app for Mashreq travel offers and Vantage redemptions when they beat other options. Source
Strategy: For 3+ night hotel stays, always check Citi concierge first (3rd night free). For Marriott properties in AED, use ENBD for 6x points + Gold perks.
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| 🚗 Valet Parking |
DIB Infinite
4 Visits/Month at 18 locations (min spend AED 8k prior month). DXB Airport (T1/T2/T3), MOE, Mirdif, Deira CC. ADIB Diamond 4 Visits/Month at select locations (excludes DXB Airport). Also: complimentary valet at ADIB branches. ENBD Marriott (World Elite) 4 Visits/Month (1 hour each) at select malls. Khalidiya Mall, Yas Mall, Yas Waterworld, Ferrari World. Citi Ultima 2 Visits/Month (Valtrans). DXB Airport (T1/T2/T3), MOE, Mirdif, Deira CC. Mashreq Solitaire 2 Visits/Billing Cycle at premium Dubai and Abu Dhabi locations including Dubai Mall, Ibn Battuta Mall, Mall of the Emirates, DXB, Yas Mall, Ferrari World, Yas Waterworld, and Marina Mall. Requires AED 10k eligible spend in the previous billing cycle; usage fees apply if not met.
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DIB: Present the card at eligible Valtrans locations after meeting the AED 8k prior-month spend. Source
ADIB: Present the eligible ADIB Diamond card at participating locations/branches; confirm current Valtrans locations first. Source
ENBD: Book via the Thriwe/ENBD benefits platform or follow the card benefit portal instructions before arrival. Source
Citi: Use Valtrans locations and identify the service as Citi complimentary valet; pay/validate with Citi Ultima. Source
Mashreq: Present/use Solitaire at eligible valet locations after confirming AED 10k previous-cycle spend; charges apply if the spend gate is not met. Source
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| 🛡️ Insurance & Protections |
Chase Sapphire Preferred
Primary Auto Rental CDW: Up to $60,000 (theft + collision, vehicles up to $125k MSRP, up to 31 days). Trip Cancellation/Interruption: Up to $10,000/person, $20,000/trip. Trip Delay: $500/person (12+ hour delay). Baggage Delay: $100/day for 5 days (6+ hour delay). Lost Luggage: Up to $3,000/traveler. Emergency Evacuation and Transportation: Up to $100,000 for covered trips 100+ miles from home. Purchase Protection: $500/claim, 120 days. Extended Warranty: +1 year (on warranties up to 3 years). DIB Infinite Travel Insurance: Up to USD 500,000 (multi-trip, family covered, 90 days/trip). Purchase Protection: 365 days against theft/damage. Extended Warranty: Doubles manufacturer warranty (+1 year). ADIB Diamond Travel Insurance: Multi-trip (family covered, 90 days/trip). Purchase Protection: USD 7,500/item, 365 days. Extended Warranty: Up to 24 months combined. Citi Ultima Travel Insurance: Up to USD 500,000 (accident, medical, trip cancellation, luggage). Rental Vehicle CDW: Up to USD 50,000. Mashreq Solitaire Travel Insurance: Multi-trip insurance for local and international trips up to 90 days when travel tickets are purchased using the Solitaire card. All UAE Cards Schengen Compliant Medical: Travel insurance letter generatable for visa applications. |
CSP: Pay the full eligible rental/trip purchase with CSP and decline the rental company's collision damage waiver for CDW. Claims are handled through Chase's benefits administrator. Source
DIB: Pay with DIB Infinite and request travel insurance/certificates or file purchase protection claims through the DIB/Visa benefit channels. Source
ADIB: Pay with the eligible ADIB card and use ADIB/Visa benefit channels for travel insurance, purchase protection, and warranty claims. Source
Citi: Pay eligible travel/rental purchases with Citi Ultima and claim through Citi/card benefit insurance channels. Source
Mashreq: Purchase travel tickets with Solitaire, then generate/request the travel insurance certificate through Mashreq. Source
ENBD: Generate Schengen/travel insurance letters through Emirates NBD card support channels where eligible. Source
Strategy: Always pay for rental cars with CSP. For expensive purchases, DIB/ADIB may be better for longer purchase protection windows.
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| ⛳ Golf |
Citi Ultima
Unlimited weekday rounds. 1 weekend round/month. Courses available via concierge. Mashreq Solitaire 4 complimentary games per billing cycle, with a cap of 2 weekend games. Courses include Arabian Ranches GC, Abu Dhabi GC, The Track Meydan, The Els Club, and Jebel Ali GC. Requires AED 10k eligible spend in the previous billing cycle.
ADIB Diamond 3 rounds/month + 1 guest. Free F&B at club shops. Abu Dhabi Golf Club, Saadiyat Beach GC, The Els Club, Arabian Ranches GC. DIB Infinite 2x/month + 1 guest at 5 UAE courses. The Els Club, Arabian Ranches GC, Abu Dhabi GC. Discounts at 14 more clubs (UAE & Muscat). ENBD Marriott Complimentary rounds via Thriwe (AED 30 processing fee). |
Citi: Book through Citi concierge/e-form and follow the course booking rules. Source
Mashreq: Book through Mashreq's golf benefit booking flow after meeting AED 10k previous-cycle spend. Source
ADIB: Call ADIB at 800 200 or use the Diamond booking process; confirm course availability and guest terms. Source
DIB: Book through DIB/Visa Infinite concierge and follow course-specific booking windows. Source
ENBD: Book via emiratesnbdbenefits.thriwe.com; AED 30 processing/no-show terms may apply. Source
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| 🎬 Cinema & Dining |
Citi Ultima
VOX Cinema: 4x B1G1/month (any day). Reel Cinema: 2x B1G1/month. Talabat: 20% off (max AED 14), 1x/month. Mashreq Solitaire Cinema: 50% off movie tickets at VOX, Reel, Novo, and Cinepolis; up to 8 movie tickets/month. Dining: Mashreq dining and partner offers vary by campaign. ENBD Marriott VOX & Reel: 3x B1G1/month (2D, 3D, 4DX, Premium). 25% off cinema F&B. Dining: Earn/redeem Bonvoy pts at 200+ UAE restaurants. DIB Infinite VOX: B1G1 on Sundays (Standard). Roxy: 20% off weekdays (Ultra Premium, Platinum Plus, Classic Silver Plus). Dining: 25% off Zomato, B1G1 Costa Coffee, Visa Offers MENA app (5,000+ deals). ADIB Diamond Dining: 25% off fine dining at ~100 UAE restaurant locations. |
Citi: Use the Bank Offers section on VOX/Reel apps or websites and pay with Citi Ultima; use Talabat offer in-app where available. Source
Mashreq: Use Mashreq card offers at VOX/Reel/Novo/Cinepolis checkout; no minimum spend stated for movie discount. Source
ENBD Marriott: Select Emirates NBD/Mastercard cinema offers at VOX/Reel checkout and pay with the Marriott card. Source
DIB: Use DIB/Visa offers in VOX/Roxy/Zomato/Costa channels and pay with DIB Infinite. Source
ADIB: Use the ADIB Diamond dining offer at participating fine dining locations and pay with the eligible card. Source
Best cinema value: Citi Ultima for B1G1 structure; Mashreq Solitaire for broad 50% off movie-ticket coverage with no minimum spend.
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| 🏋️ Gym & Wellness |
Mashreq Solitaire
Fitness First: Unlimited complimentary visits for primary and supplementary cardholders. Requires AED 10k eligible spend in the previous billing cycle. If not met, Mashreq states a fee applies per visit.
DIB Infinite Emirates Towers Health Club: Full facility access, any day, anytime. ADIB Diamond Free gym/pool access at:
Daily member cap applies. Male-only timings at some locations.
ENBD Marriott 20% off spa treatments at participating Marriott hotels (cardholder + 1 guest). |
Mashreq: Present Solitaire at participating Fitness First outlets after AED 10k previous-cycle spend; small authorization charges may be reversed per terms. Source
DIB: Present DIB Infinite at Emirates Towers Health Club reception. Source
ADIB: Present ADIB card at participating hotel/club reception; arrive early because daily caps/timing restrictions may apply. Source
ENBD Marriott: Book spa treatments directly with participating Marriott hotels and pay with the card. Source
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| 🔧 Concierge & Roadside |
Citi Ultima
24/7 Citi Ultima Concierge: Travel, hotels (3rd night free bookings), flights, lifestyle. Call: +971 4 311 4000. ADIB Diamond Visa Infinite Concierge: 24/7 (800 0441 3487). Roadside Assistance: Unlimited city-limit towing, 3x/year inter-emirate towing. DIB Infinite Visa Infinite Concierge: 24/7 worldwide (hotels, flights, restaurants, events). Roadside Assistance: 5x/year — towing, battery boost, flat tire, lockout, fuel, off-road extraction. Bonus: Free international driving license. Mashreq Solitaire Car Assistance: 1 vehicle registration pickup/drop-off per year and 2 vehicle servicing pickup/drop-offs per year. Requires AED 10k eligible spend in the previous billing cycle.
Chase Sapphire Preferred Visa Signature Concierge: 24/7 (basic tier). Roadside Dispatch: 24/7 towing, flat tire, jump start, lockout (service fees apply). |
Citi: Call Citi Ultima Concierge at +971 4 311 4000 for travel, hotel, flight, and lifestyle bookings. Source
ADIB: Use Visa Infinite Concierge and ADIB roadside assistance channels; call the number shown in ADIB/Visa benefit materials. Source
DIB: Use Visa Infinite Concierge for concierge requests; call DIB/Visa roadside assistance for towing, battery, tire, lockout, fuel, and extraction. Source
Mashreq: Book car assistance through Mashreq's service process after meeting AED 10k previous-cycle spend. Source
CSP: Call the Visa Signature Concierge / Roadside Dispatch benefit number from Chase/Visa benefit materials; roadside services are pay-per-use. Source
Best concierge: Citi Ultima (handles hotel 3rd-night-free and flight discount bookings).
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| 📱 CSP Digital Perks |
Chase Sapphire Preferred
DoorDash: Free DashPass + $10/month grocery/retail credit (activate by 12/31/2027; promo credit through 12/31/2027). Lyft: 5x points on all rides (through 9/2027). Peloton: 5x points on equipment >$150 (through 12/2027). Apple TV: 1 complimentary year when activated by 12/31/2026. Trusted Traveler: Up to $120 Global Entry, TSA PreCheck, or NEXUS credit every 4 years. Instacart: Prior Sapphire offer ended in 2024; no active CSP credit found in current Chase terms. Streaming / gas / EV charging / select vacation rentals: 3x categories now listed by Chase, alongside dining and online groceries. Up to $100 Annual Hotel Credit (Chase Travel). 10% Anniversary Bonus: Bonus points = 10% of prior year's total spend. |
DoorDash: Activate DashPass in the DoorDash app linked to your CSP. Source
Lyft/Peloton/Apple TV/Trusted Traveler/Hotel Credit: Pay with CSP where required; hotel credit requires booking through Chase Travel. Source
Instacart: No active CSP credit found in current Chase terms; do not rely on this as an active benefit unless Chase republishes it. Source
Most of these perks are US-based services. Useful when visiting the US.
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