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Rewards Mechanism

For every AED 100 spent:

  • 1.0 Exceed Rewards on international spends
  • 0.125 Exceed Reward on local spends
  • 2.5 Exceed Rewards on Airline Spends (capped at 50 Exceed Rewards per transaction and 150 Exceed Rewards a month).

Why We Choose It

  • Low annual fee relatively.

Welcoming Gift/Bonus

Currently, no welcome bonus is available.

Annual Fee (inclusive of Vat)

AED 299

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
3.75%

Rewards program

Exceed Rewards.

Reward Mechanism:

For every AED 100 spent:

  • 1.0 Exceed Rewards on international spends
  • 0.125 Exceed Reward on local spends
  • 2.5 Exceed Rewards on Airline Spends (capped at 50 Exceed Rewards per transaction and 150 Exceed Rewards a month).

Redeem points:

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

Key benefits

  • Complementary lounge access for 1 person.
  • 10% discount through the Booking.com Genius Program.
  • 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

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.