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Cashback %
  • 5% cashback on groceries, fuel, and dining out (up to AED 300 monthly for UAE Nationals and AED 200 for Expats).
  • 3% cashback on international spending.
  • 1% on all other retail spending, including online shopping.

Why We Choose It

  • There is no limit on the 3% cashback earned from international spending.
  • Exceptional benefits for UAE Nationals.
  • Shariah Compliant Credit card.

Welcoming Gift/Bonus

  • Currently, no welcoming bonus is available.

Annual Fee (inclusive of Vat)

AED 315

Minimum Salary Requirement

AED 5,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.99%

Cashback

Cashback %:
  • 5% cashback on groceries, fuel, and dining out (up to AED 300 monthly for UAE Nationals and AED 200 for Expats).
  • 3% cashback on international spending.
  • 1% on all other retail spending, including online shopping.

Key benefits

  • Complementary lounge access for two persons.
  • AED 40 off Carrefour online once a month.
  • 50% off orders on the Talabat app, up to AED 40 off each order, four times a month, with a minimum order of AED 50.

Other benefits

  • International Halal dining discounts.
  • Free coffee with Costa.
  • 2 free airport transfers with the Careem App.
  • Exclusive Umrah packages are available every quarter, especially for the top 2 spenders.

Why We Choose It

  • There is no limit on the 3% cashback earned from international spending.
  • Exceptional benefits for UAE Nationals.
  • Shariah Compliant Credit card.

What We Did Not Like

  • The cap on groceries, Fuel, and Dining out is low for expats.

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.