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Cashback %

Cashback on Supermarket, Education, Dining, and Telecom depends on monthly spent as below:

  • Up to AED 2,999 – No cashback.
  • Between AED 3,000 & AED 9,999 – 3% cashback.
  • Between AED 10,000 & AED 17,499 – 5% cashback.
  • Above AED 17,500 – 10% cashback.

Why We Choose It

  • High cashback for high spenders.
  • Limited cashback categories as no cashback is earned on the remaining categories.

Welcoming Gift/Bonus

The first-year annual fee of AED 314 is waived upon achieving AED 5,000 in retail spending within the first 90 days of card approval. The offer is valid from January 2025 to 31 December 2025.

Annual Fee (inclusive of Vat)

First Year Free if you spend a minimum of AED 5,000 in retail spending within the first 90 days , then AED 314 per year onwards (No annual fee , if you spend a minimum of AED 30,000 per year)

Minimum Salary Requirement

AED 12,000

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%

Cashback

  • AED 3000 minimum should be spent to earn cashback Maximum of AED 200 Cashback per category.
Cashback %:

Cashback on Supermarket, Education, Dining, and Telecom depends on monthly spent as below:

  • Up to AED 2,999 – No cashback.
  • Between AED 3,000 & AED 9,999 – 3% cashback.
  • Between AED 10,000 & AED 17,499 – 5% cashback.
  • Above AED 17,500 – 10% cashback.
Redeem Cashback:
  • Cashback points Redemption is done via Online/Mob Banking.

Key benefits

  • Complimentary airport lounge access for one person.
  • Two complimentary rounds of complimentary golf per month.
  • one complimentary valet parking service per month.

Other benefits

  • Cash on-call facility.
  •  An auto top-up facility on Salik and Nol.
  •  Gold Class cabin access on the metro.
  •  Complimentary Access to Dubai Ladies Club & Sharjah Ladies Club.
  •  20% off at Roxy Cinemas.

Why We Choose It

  • High cashback for high spenders.
  • Limited cashback categories as no cashback is earned on the remaining categories.

What We Did Not Like

  • A minimum of AED 3000 monthly is spent to earn cashback.
  • Cashback is capped at a maximum of AED 200 per category each month.
  • A minimum of 300 cashback points is required to redeem your rewards.
  • Limited cashback categories as no cashback is earned on the remaining categories.

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.