We analyzed the terms of 110+ UAE cards. Tell us what you spend, and the math finds your absolute best match.
How it works
Every card is built from the bank's own Key Facts Statement, not the marketing page. That means the actual minimum salary, the real earn rate for each spend category, what the monthly cap is, and exactly what you'll pay after any fee waiver. If the billboard says one thing and the KFS says another, we use the KFS.
Tell us roughly what you spend each month and the finder runs it through every card on the list. It applies the right rate for each category, accounts for the caps, and subtracts the annual fee, then sorts by the dirhams you'd actually keep over a year. Where a card ends up is a function of your numbers, nothing else.
A card advertising 10% cashback with an AED 200 monthly cap works out to around 2% for most people. Points that can only be redeemed at one supermarket chain are not the same as cash in your pocket. We show these details right next to the headline figure, because that's what you'd want a friend in finance to tell you.
Some comparison sites earn more when you click certain cards. Ours does not work that way. Whether a bank advertises with us has no effect on where their cards appear in your results. Your match is based entirely on the math from your own spending profile.
It varies by card, but most banks set a minimum somewhere between AED 5,000 and AED 15,000 per month. Premium travel cards tend to start higher, often AED 25,000 or above. A handful of banks will waive the requirement altogether if you transfer your salary to them. Enter your income in the finder and it only shows you cards you would realistically be approved for.
Not usually, though it can get you a better deal. Most cards just need proof of income, regardless of which bank your salary goes into. Where salary transfer matters is with certain banks that keep their lowest fees or highest cashback rates for customers who move their salary across. We flag those cards so you can weigh it up before you decide.
Cashback is the simpler option: what you earn is what you get. Miles can be worth more per dirham spent, but the value really depends on how you redeem them. If you fly Emirates or Etihad regularly and book using points, miles often come out ahead. If you are not loyal to one airline, or you tend to redeem for shopping vouchers rather than flights, cashback is usually the stronger choice. The finder shows both options in AED so you can see the actual difference for your own spending.
Often not, at least not at face value. Banks advertise points-per-dirham figures that look impressive on paper, but the real value depends on what you can redeem them for. Some programs give you points worth less than a fils each; others only let you spend them at specific partners or on certain product categories. We convert every card's rewards into an equivalent AED cashback figure using realistic redemption values, so you can compare them honestly against straightforward cashback cards.
On the surface, Islamic cards work the same way as any other credit card. You spend, you earn rewards, and you pay your balance at the end of the month. The difference is in the financing structure. Instead of charging interest on unpaid balances, Islamic cards use a sharia-compliant model, usually a fixed profit rate or monthly fee, that has been approved by a sharia supervisory board. You still get cashback, lounge access, and all the everyday functionality. If you want to see Islamic cards only, use the filter in the finder.
Not at all. The finder is a calculator that runs on your device. It never connects to Al Etihad Credit Bureau, and it shares nothing with any bank. Your credit file only gets touched if you go on to apply for a card directly with the bank, which is a completely separate step that happens on their website, not ours.
For information only. Not financial advice. Rates and fees last reviewed June 2026. Always check the bank's own Key Facts Statement before applying.
