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Miles/Rewards Earning Mechanism

  • For 1 USD:

1.5 Miles on Emirates, flydubai, duty free, online food delivery and car booking apps.

1 Mile on international spends.

0.75 Miles on domestic spends.

Why We Choose It

  • Generous welcoming bonus.
  • Low annual fee relatively.
  • Relatively low APR.

Welcoming Gift/Bonus

Earn up to 40,000 bonus Skywards Miles:

• 15,000 Miles upon payment of the joining fee.
• 15,000 Miles when you spend USD 10,000 within the first 3 billing cycles.
• 10,000 Miles when you spend USD 3,750 on emirates.com or at Emirates sales offices in the UAE within the first 12 billing cycles.

Annual Fee (inclusive of Vat)

Joining fees: AED 1,573.95 / Annual fees: AED 735

Minimum Salary Requirement

AED 15,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.25%

Airlines Program:

Emirates Skywards Program

Key benefits

  • Global Lounge Access for cardholder.

Other benefits

  •  Twice a month Golf access.
  •  Concierge services to take care of your time-consuming errands.
  •  Valet parking services at busy malls.

Why We Choose It

  • Generous welcoming bonus.
  • Low annual fee relatively.
  • Relatively low APR.

What We Did Not Like

  • The joining fee is high, as ENBD is the only bank that requires one.

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.