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Miles/Rewards Earning Mechanism

  • For 1 USD:
    * Emirates and Flydubai spend: 2 Miles
    * Foreign currency spends: up to 1.5 Miles
    * Local currency spends: up to 1 Mile

Why We Choose It

  • Earn 2 extra Skywards Miles per USD 1 on hotel, flight, and car rental bookings via the ExtraMiles App.

Welcoming Gift/Bonus

No Annual Fee for the First Year when you spend AED 30,000 within 180 days – Offer valid until 30 September 2025.

Limited-time offer: Earn 2 extra Skywards Miles per USD 1 on hotel, flight, and car rental bookings via the ExtraMiles App.

 

Annual Fee (inclusive of Vat)

AED 1,049

Minimum Salary Requirement

AED 25,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.69%

Airlines Program:

Emirates Skywards Program.

Key benefits

  • Global Lounge Access for two persons.
  • Complimentary Emirates Skywards Silver Membership.

Other benefits

  • Unlimited complimentary golf on any day of the week( minimum spend of AED 10,000 per month).
  •  3 “Buy 1 Get 1” complimentary movie tickets each month for Reel Cinemas.
  •  Complimentary Access to Dubai Ladies Club & Sharjah Ladies Club.
  • 2 complimentary valet parking services per month at select locations across the UAE.
  •  Enjoy 15% off on Emaar Entertainment Attractions.

Why We Choose It

  • Earn 2 extra Skywards Miles per USD 1 on hotel, flight, and car rental bookings via the ExtraMiles App.

What We Did Not Like

  • The welcoming bonus is not very generous.
  • No welcome Bonus Miles will be awarded.
  • Relatively high APR/ Profit Rate.

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.

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