Wio Credit Card

The fine print that matters

• Plan required for cashback

  2% cashback applies on Wio's Salary, Family and Plus plans; Standard Plan customers earn no cashback.

• Plan monthly fee

  Wio plan fee of AED 49/month is waived when you hold AED 35,000+ across Wio accounts, savings and investments.

• Bill payments earn less (Jun 2026)

  Payments to other UAE bank credit cards earn 0.5% (was 1%), capped at 0.5% of credit limit, with a minimum AED 5,000 spend on such payments.

• Late payment fee

  AED 199 per month when the minimum payment is not made by the due date.

• Cash advance (Easy Cash)

  AED 1 per day per AED 1,000 drawn (36.5% annualised); up to 50% of credit limit.