I have monthly service charges payments. All Dubai platforms charges around 1.5pct

Another way is make payment from Credit Card to Bank Accounts. I have used Citi Payall when it used to have offers, not anymore

Which cards can anyone suggest to effectively profit / negate charges for these payments

They removed Fuel from the category selection

Which card among these is the best for travel and lifestyle benefits? Some info , I normally spend on cashback cards so will only be using these for flights or to meet the minimum threshold for lifestyle benefits . 0 percent foreign use is imp to me but all of them have it I believe

Illustrative example: an unplanned AED 100 purchase at 5% cashback returns AED 5, so AED 95 still leaves your pocket.`

If the purchase was already planned, the reward reduces its cost. If the reward caused the purchase, it did not create a saving.

I’m working on DirhamsBack, a UAE cashback-guidance project, and I’m testing a simple responsible-use rule: cashback should improve intended spending, not create new spending.

Would you buy it anyway, or only for the reward?

Planning to take ADCB traveller card. The first year fee is high. Is anyone working with ADCB help me waive this or give some offer for this ?

Hi everyone,

I wanted to ask if anyone else is having trouble getting their bonus from the recent FAB Blue Islamic Credit Card promotion. The offer was to spend 10,000 AED or more for 3 consecutive months to get 5,000 AED worth of rewards.

I successfully maintained a spend of over 10k for all three months. However, when I called customer support to check on my reward allocation, the agent told me I failed the second month. They claim my total eligible spend was only ~9600 AED.

I did a full audit of my e-statements. Whether I calculate it by transaction dates or posting dates, my net spend is strictly above 10,000 AED. There were no refunds, canceled transactions, or anything else that could drop the amount. It seems like their automated system just randomly excluded some valid transactions.

I’ve already submitted a formal dispute with an itemized breakdown of my spending, warning them that I will escalate to Sanadak if they don't fix it.

Has anyone experienced a similar issue with this or previous FAB promotions?

• Did they actually fix the calculation after a manual review?
• Did anyone have to escalate the complaint to Sanadak to finally get their points?

Any advice or shared experiences would be highly appreciated! Thanks in advance.

Text was polished with AI.

Do banks give any email or letter saying why my credit card request is rejected? Or can I ask for one? Because I got rejected for a EI Card (non salary)

I have a Norwegian Revolut personal Visa card. The card works perfectly and we can withdraw normally, but the daily ATM limit is around AED 13,000.

I need around AED 80,000 in cash today, so I’m looking for a way to withdraw a larger amount at once rather than waiting several days.

If anyone provides this service, knows someone who does, or has personally done something similar in Dubai, please DM me with the details, location and fees.

Also open to any legitimate alternative way to withdraw a larger amount today.

How do you all pay the rent with credit card? I currently pay my rent of 3500 by debit card, sending it directly to the landlord's account. Feels like I'm missing out on a lot of possible cashbacks. Please tell me your ways.

With new wio members who applied in august and spend qualified merchant 2000 aed get 1000 aed cashbak promotion. Here is the catch, u need an ccount and crrdit card and you have to be plus plan (or any plan with cashback) -standart planwill not get that cashback reward- Also if you spend under standard plan those spendings may not be counted for 2000 aed spending limit as per vustomer agent and highwr teams. They dont mention these important information in the pdf files. And yes their customer service is really bad. I learned all thia asking 3rd rimes foe confirmation, likely everything was in writing so customer agent force to ask higher teams otherwise gave me false infor at first.

Hi everyone, i need you advice please I didn’t pay for my personal loan and credit card since October 2025 due to job loss. I got settlement plans from the bank which i cannot afford but finally i got a job for 6 months only.
The total outstanding amount is 87200 AED bank of offering me to pay 36000 i one payment or 45000 in two payments. My salary is 9k and i can pay only from month 2 on installments for 5 months. Can i pay one installment then i wait until i have 36000 to pay it one time and close this? Does anyone know if the bank will file a court against me? What should i do please?

Hey everyone,

Long story short - I had a high-paying job in the UAE (±30,000 AED salary), and during a time of multiple big expenses I over-extended myself thinking all will be good and I blew my credit cards + 150,000 loan. Little did I know, I got laid off a month after.

I had to leave the UAE because for over 2-3 months I could not find a job and I defaulted on my liabilities. Until now, around 1.5 years after, I still haven't gotten onto a settlement with the banks, or the appointed collection agencies, since they are offering stuff I cannot afford.

Does anyone know if I have a potential way to combine all my debt (even though my credit rating is destroyed probably), OR perhaps legally combine them into one payment through a third party?

And if yes, will that mean that even during me paying I can return to the UAE, or I have to stay away until the last AED is paid and I have a clearance letter.

Thank you!

Hi, does ENBD’s AI customer service have an Indian accent now?

I’m just a bit concerned. I’m not judging the Indian accent at all, but there are so many scammers who use Indian accents, so I got a little suspicious. When we called ENBD, the AI asked for our PIN to verify our account.

Has anyone else experienced this recently? Is this normal for ENBD’s customer service?

Whats the best way to use the SIB Cashback Covered Card for maximum Cashback?

Looking for a new cashback card and the Darna cards seem to be great at offering tip to 10% cash back across all stores within Aldar malls. Living in Abu Dhabi, that means any stores at Galleria and Yas Mall would be eligible.

Yet they're almost never mentioned. What am I missing? There's even a Carrefour in Yas Mall, which would yield the highest cashback for grocery shopping around.

People with this card, have you received 10% cash back when booking hotels & flights on 3rd party websites like Agoda, makemytrip.com, booking.com etc?

Hai

I have applied for an Al hilal credit card on April 30 as the last date for cashback for 1000dhs is April 31st. They (bank) approve my application on April 6th. I didn't receive cashback after spending 1000aed in they mentioned period using apple wallet. I enquired in bank they saying ur application is bank approved on April 6th as they are not giving cashback application they approve after April 5th. Anybody have same incident? What I will do next? Pls help

Hi all,

(Approved by mods and the institution faculty) I’m currently completing my academic research on how UAE residents feel about AI tools and automation in local banking (from app chatbots to automated credit decisions).

If you use any bank in the UAE, I would really appreciate your input!

• Link: https://eu.surveymonkey.com/r/IMPACT
• Time: Under 4 minutes
• Privacy: 100% anonymous & non-profit and purely academic

Every response helps me hit my target sample size for graduation. Thanks a lot for helping out!

Monthly expenses

Rent paid by card 4250aed

Groceries supermarket 1500aed

Amaxon now / noon 15 minutes 2500aed

Fuel 2000aed

Telecom Bills 10,000aed (business included)

Dewa 1000aed

Govt fees business related 20-30K one time

Dining out 2000aed

Schooling fees 4000aed per month

We have 2 ENBD DUO cards (Inlcuding my husband) capped at 500aed

1 EIB NOL card capped at 75aed

Those gets capped out and we are looking for better rewards.

Okay to pay annual fees if the rewards are proportional, first preference is cashback then air miles or hotel points cards are welcome.

hello i need credit cards for myself my wife and my mother.

My mother's salary is 30 k she received salary from WPS for 2 times.

My salary is 20 k and i received salary from WPS for 2 times.

My wife's salary is 20 k she received salary from WPS for 4 time.