Compared Cards · Accounts · Deposits · Transfers FX benchmark CBUAE reference rate Top corridors AED to INR · PKR · PHP · GBP · USD Rates Snapshot, dated, check live Our promise Compared, not sold Compared Cards · Accounts · Deposits · Transfers FX benchmark CBUAE reference rate Top corridors AED to INR · PKR · PHP · GBP · USD Rates Snapshot, dated, check live Our promise Compared, not sold

Card rewards matcher

Enter your monthly spending by category. The matcher ranks every verified UAE credit card by net annual value to your profile: your earn rate on your categories, minus caps and conditions, minus annual fee, in dirhams. Not a ranked list. Not sponsored. The maths is shown.

Your monthly spending

Enter what you typically spend each month. Leave a category at 0 if it does not apply.

Total monthly spend AED 8,200

Results are indicative only. Not financial advice. Rates are from verified issuer pages with verification dates shown. Always confirm terms directly with the issuer before applying.

Enter your monthly spending and press Find the best card to see your results.

How the maths works

1️⃣

Earn rate applied to your categories

Each card's earn rate is multiplied by your annual spend in the matching category. For example: AED 24,000/year groceries at 5% cashback = AED 1,200 gross. Category caps are applied before totalling.

2️⃣

Points converted to dirhams

Reward points and miles are converted to AED using the issuer's published minimum redemption rate. Cashback is cash, valued at 100%. The conservative published rate is always used, not the best-case promotional rate.

3️⃣

Annual fee and FX cost deducted

The full published annual fee is deducted. If you stated international travel spend, the FX markup cost is also deducted, because that is real money the card costs you on every foreign transaction.

MCEngine2 version 2.0.0. Only cards with a verified date in data/credit_cards.json appear. Seed records (verified: null) are excluded. The engine is documented in js/engine.js.