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Rewards Mechanism

For every AED 100 spent:

  • 1.0 Exceed Rewards on international spends (outside the European Economic Area).
  • 0.5 Exceed Rewards on Domestic spends (within UAE).
  • 0.125 Exceed Reward on local spends (Specific merchants (supermarkets, government, utilities, education, petrol, real estate, transport, Salik, charities)
  • 2.5 Exceed Rewards on Airline Spends (capped at 50 Exceed Rewards per transaction and 150 Exceed Rewards a month).
  • 0.125 Exceed Reward on EEA (European Economic Area) spends

Why We Choose It

  • Low annual fee relatively.

Welcoming Gift/Bonus

There is no standard welcome bonus currently advertised for the ADIB Booking.com Signature Card.

Annual Fee (inclusive of Vat)

AED 313.95 for 2nd year onwards and free for the 1st year

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
3.75%

Rewards program

Exceed Rewards.

Reward Mechanism:

For every AED 100 spent:

  • 1.0 Exceed Rewards on international spends (outside the European Economic Area).
  • 0.5 Exceed Rewards on Domestic spends (within UAE).
  • 0.125 Exceed Reward on local spends (Specific merchants (supermarkets, government, utilities, education, petrol, real estate, transport, Salik, charities)
  • 2.5 Exceed Rewards on Airline Spends (capped at 50 Exceed Rewards per transaction and 150 Exceed Rewards a month).
  • 0.125 Exceed Reward on EEA (European Economic Area) spends

Redeem points:

Exceed points can be redeemed for utility payments, retail or online shopping vouchers, flight purchases, and much more.

Key benefits

  • Unlimited complimentary airport lounge access via the Visa Airport Companion app.
  • 10% discount on select hotels booked through Booking.com via Genius membership (free upgrade).
  • Concierge Services.

Other benefits

  •  Free Valet Parking twice a month.

Why We Choose It

  • Low annual fee relatively.

What We Did Not Like

  • No welcoming bonus is available.
  • The benefits included are limited.

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.