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Rewards Mechanism

Earn up to AED 2,000 in noon credits monthly

  • 20% back on noon Food.
  • 5% noon credits + 15% instant discount on noon Minutes (up to AED 30 per transaction, max 5 orders/month).
  • 10% back on NowNow.
  • 5% back on noon, Namshi, SIVVI, and supermall.
  • Free 1-year noon One membership + 50% off renewal from year two.
  • Up to 1% back on all other spends (0.3% on telecom, groceries, utilities, insurance, education, real estate, and EU spends).

Why We Choose It

  • Free for life credit card.
  • The maximum cashback limit of AED 2000 is considered relatively high.
  • High value for Noon platforms users as it includes (Food, clothes, Groceries, etc.).

Welcoming Gift/Bonus

Apply online for Emirates NBD noon One Visa Credit Card , until 31 May 2026  to receive a AED 250 YOUGotaGift HappyYOU Card.

 

Annual Fee (inclusive of Vat)

Free For Life

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
3.49%

Rewards program

Noon credits as cashback.

Reward Mechanism:

Earn up to AED 2,000 in noon credits monthly

  • 20% back on noon Food.
  • 5% noon credits + 15% instant discount on noon Minutes (up to AED 30 per transaction, max 5 orders/month).
  • 10% back on NowNow.
  • 5% back on noon, Namshi, SIVVI, and supermall.
  • Free 1-year noon One membership + 50% off renewal from year two.
  • Up to 1% back on all other spends (0.3% on telecom, groceries, utilities, insurance, education, real estate, and EU spends).

Redeem points:

Noon credits are valid across all Noon platforms.

Key benefits

  • Buy 1 Get 1 Free VOX Cinema/movie tickets — up to 3 per month when you spend AED 3,500+ monthly

Other benefits

  • 0% Installment Plans.

Why We Choose It

  • Free for life credit card.
  • The maximum cashback limit of AED 2000 is considered relatively high.
  • High value for Noon platforms users as it includes (Food, clothes, Groceries, etc.).

What We Did Not Like

  • Limited redemption options.

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.