At CardsMatcher Match Now Form to recommend you the matching card, read Terms & Condition. Privacy Policy
Learn more about FAQs

Miles/Rewards Earning Mechanism

For every AED 10 spent:

  • 4 miles for domestic purchases.
  • 4 miles for International purchases.
  • 7 miles for hotels and dining spends.
  • 7 miles for spending on Etihad.com.

Why We Choose It

  • Relatively low annual fee
  • Generous welcoming bonus.
  • Relatively low APR.

Welcoming Gift/Bonus

Up to 60,000  Etihad Guest miles:

  • 20,000 Miles upon payment of joining fee.
  • 40,000 Miles upon spending a minimum of AED 60,000 within 6 months from the card issuance date.

Annual Fee (inclusive of Vat)

AED 735

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
3.25%

Airlines Program:

Etihad Airways’ loyalty program

Key benefits

  • Unlimited airport lounge access for 1 person.
  • 10% cashback after booking a flight or spending on etihad.com (minimum spend of AED 2,000).
  • Up to two 25% discount vouchers after spending AED 100,000.
  • Fast track Silver Tier (After booking one return trip within 6 months from card activation).

Other benefits

  • 2 airport transfers per year to Abu Dhabi International Airport.
  • Travel insurance.
  •  One-hour complimentary valet parking is available in selected AbuDhabi malls.
  • Access to Visa Luxury Hotel Collection, Premium Concierge, and 2-for-1 Entertainer Offers.
  • buy-1-get-1-free on movie tickets at Vox Cinemas.
  • Two complimentary rounds of golf per month.

Why We Choose It

  • Relatively low annual fee
  • Generous welcoming bonus.
  • Relatively low APR.

What We Did Not Like

  • It takes AED 10,000 monthly spends for 6 months to receive full welcoming bonus.

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.