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Rewards Mechanism

  • Earn 8% SHARE Points at Mall of the Emirates and all City Centre malls across the UAE, as well as at Carrefour (both in-store and online)
  • Earn 1.5% on all other retail, online, and international spends.

Why We Choose It

  • The joining fee is refunded upon reaching a spend of AED 40,000 within the first three months.
  • The high SHARE Points earning potential at MAF properties makes this card especially valuable for frequent MAF customers.
  • Generous welcoming bonus.

Welcoming Gift/Bonus

Get a welcome bonus of 10,000 SHARE Points equal to AED 1,000 when you spend AED 40,000 in the first 3 months.

Apply online until 31 May 2026  to receive an AED 500 YOUGotaGift HappyYOU Card.

Annual Fee (inclusive of Vat)

AED 1,575 (second year onwards) ( Get joining fee back when you complete spend of AED 40,000 in the first 3 months)

Minimum Salary Requirement

AED 30,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.25%

Rewards program

SHARE Points

Reward Mechanism:
  • Earn 8% SHARE Points at Mall of the Emirates and all City Centre malls across the UAE, as well as at Carrefour (both in-store and online)
  • Earn 1.5% on all other retail, online, and international spends.

Redeem points:

SHARE Points can be used in various convenient ways—whether through the SHARE App, at checkout in stores, while shopping online, or even for digital mall gift cards—offering flexibility across Majid Al Futtaim experiences.

Key benefits

  • Airport lounge access for you plus one guest per visit.
  • Complimentary golf access.

Other benefits

  • Complimentary Valet Parking at select locations in Abu Dhabi.
  • Buy 1 get one free movie ticket at Vox Cinemas.

Why We Choose It

  • The joining fee is refunded upon reaching a spend of AED 40,000 within the first three months.
  • The high SHARE Points earning potential at MAF properties makes this card especially valuable for frequent MAF customers.
  • Generous welcoming bonus.

What We Did Not Like

  • The annual fee from the second year onwards may feel high for those who don’t frequently spend at MAF properties.

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.