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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

At CardsMatcher, our goal is to help people take control of their financial health and achieve their financial aspirations. We began with credit card matching, but we are committed to supporting individuals across the UAE in leading a financially healthy lifestyle, making informed decisions, and overcoming financial insecurity

Our reviews and ratings are based on competitive intelligence analysis, which compares UAE credit cards across various categories. We use different simulation techniques to identify the top cards for each category, tailored to different income profiles.

First, complete the “Find Your Card” survey to receive personalized recommendations for the best credit cards suited to your profile. Then, visit our Financial Wellness Library for useful tips and guides on credit cards. Stay tuned, as we plan to expand our coverage to include other banking products in the UAE.

Our team is reviewing your data and working diligently to recommend 3 credit cards that best match your profile. Please allow 3-5 business days for this process.

Yes, our service is entirely free, and we are committed to not charging any participants unless they opt for a private consultation. However, please be aware that we may receive compensation from banks for advertising purposes on our website, but this does not influence the recommendations we provide.

Yes, your privacy and security are our top priority. We ensure that your data is handled with the utmost care. We never share your information with third parties without your consent.

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