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Miles/Rewards Earning Mechanism

For every USD 1 spent:

  • Up to 1.25 miles for domestic purchases.
  • Up to 2 miles for international purchases.
  • 2 miles for purchases on Etihad.com.
  • 1 Tier Mile for every USD 1 spent.
  • 1.25 miles for every USD 1 spent on Etihad.com.
  • 2,000 bonus miles monthly for achieving the USD 2,000 monthly spending target.

Why We Choose It

  • Generous welcoming bonus
  • Relatively low annual fee
  • Bonus miles for more than USD 2,000 spends

Welcoming Gift/Bonus

Receive 35,000 Etihad Guest Miles as welcome bonus during the first year of membership.

Annual Fee (inclusive of Vat)

AED 1,050

Minimum Salary Requirement

AED 20,000

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:

Etihad Airways’ loyalty program

Key benefits

  • Lounge Access for one person.
  • Fast track to Silver Tier Status once two roundtrips are completed within the first 6 months from card issuance.
  • 50% off on upgrade vouchers when upgrading from Economy to Business with your miles on the flight of choice for every USD 35,000 spent (max. 2 per cardholder annually).

Other benefits

  • Complimentary Golf access
  • Complimentary airport transfer four times a year.
  • Travel insurance.

Why We Choose It

  • Generous welcoming bonus
  • Relatively low annual fee
  • Bonus miles for more than USD 2,000 spends

What We Did Not Like

  • No significant cons are observed.

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.