At CardsMatcher Match Now Form to recommend you the matching card, read Terms & Condition. Privacy Policy Learn more about FAQs
Cashback %
  • Earn 6% back on dining, 5% on fuel, and 2% on groceries & entertainment (each capped at AED 200 per statement cycle) when your monthly spend reaches AED 3,000.
  • Earn 0.5% on all other spends, and when you spend less than AED 3,000 a month

 

Why We Choose It

  • A variety of benefits.

Welcoming Gift/Bonus

New HSBC Live+ Credit Card customers (7 Jan–31 Mar 2026) can earn AED 500 cashback with AED 6,000 spend in 60 days , or up to AED 1,500 for Premier customers based on Net New Money kept for 3 months, with AED 10,000 spend in 60 days.

Annual Fee (inclusive of Vat)

From Year 2: AED 313.95 (incl. VAT), waived if annual spend ≥ AED 12,000.

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
3.69%

Cashback

Cashback %:
  • Earn 6% back on dining, 5% on fuel, and 2% on groceries & entertainment (each capped at AED 200 per statement cycle) when your monthly spend reaches AED 3,000.
  • Earn 0.5% on all other spends, and when you spend less than AED 3,000 a month

 

Key benefits

  • Exclusive discounts at 400+ restaurants across the UAE.
  • Buy 1 Get 1 Free movie tickets + up to 25% off cinema food & drinks.

Other benefits

  • 200+ offers on dining, retail & stays with the Timeout & Golf Access Programme.
  • Up to 50% off at 4,000+ restaurants with Zomato Gold.
  • a complimentary 12 month Careem Plus subscription.

Why We Choose It

  • A variety of benefits.

What We Did Not Like

  • Limited cashback on grocery spending.
  • A minimum monthly spend of AED 3,000 is required to earn cashback benefits.

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.

This website uses cookies to ensure you get the best experience on our website. Learn more about our Privacy Policy and Terms and Conditions.

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