My Credit Portfolio - Suggestion and Improvement

It’s been almost two years since I moved to Dubai, and during this entire journey I’ve been actively following this community learning from your suggestions, implementing them, and sharing my own experiences.

Today, I thought it would be a good time to share my credit card portfolio and get your expert advice on how I can further improve it.

📊 Current Credit Portfolio

I currently hold 3 credit cards with a total combined limit of AED 58,000.

1️⃣ ENBD Noon Credit Card

This was my first ever credit card, mainly taken to build my credit score. Surprisingly, it turned out to be one of the best cards in my wallet.

What I like:

💳 20% cashback on online food orders – works perfectly and consistently, no one in market gives 20% i guess

Decent additional perks across Noon

Recently received a 0% interest “loan on card” option, which is a big plus

Also Accumulated around 1500 AED as noon credit.

Overall, this card has exceeded my expectations.

2️⃣ Emirates Islamic RTA Card

Honestly, I love this card. Despite the AED 1,000 minimum spend requirement, it delivers excellent value.

Highlights:

🚕 Strong cashback on RTA spends

⛽ 10% cashback on fuel

🚌 NOL balance usable across supermarkets, taxis, and public transport

So far, I’ve accumulated around AED 800 in cashback, and I find it very practical for daily life in Dubai.

3️⃣ SIB Cashback Card

This is my most recent card (about 2 months old), and it has already proven its worth.

Why it stands out:

💸 AED 600 cashback accumulated in just 2 months

Excellent when paired with Tabb

10% cashback on hotel and flight bookings

In my opinion, this card is underrated and a must-have for cashback lovers.

📆Plans for 2026

After 6 months, I’m planning to

Apply for the Citi Cashback Card specifically for non-AED / foreign spends

Increase the credit limit on my ENBD Noon card to unlock a higher amount for the 0% interest loan on card option

🤝Looking for Your Advice

I’d really appreciate your expert suggestions on:

Any cards I should add or replace

Whether my current setup can be optimized further

Smart strategies to maximize cashback and benefits

Looking forward to your thoughts and feedback. Thanks in advance! 🙌