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Your first-time guide

Tick each step as you go – we'll remember your progress on this device.

1
Know your numbersNote your monthly salary, existing EMIs and card limits.
2
Check your DBRUse the eligibility checker below to see how much room you have.
3
Shortlist 2–3 productsCompare fees and conditions, not just headline perks.
4
Prepare your documentsBuild your personalised checklist further down.
5
Apply with one provider at a timeMultiple applications at once can affect your AECB score.

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Guides & answers

Application doctor

Why was my application declined?

Answer a few yes/no questions and we'll suggest the most likely reason – and what to do next.

Document checklist

Build your personal checklist

Choose what you're applying for and how you earn. Requirements vary by provider – always confirm with them.

I'm applying for

I am

Nationality

Credit card checklist0 of 0 ready

Eligibility checker

How much room do you have?

In the UAE, your total monthly debt repayments generally shouldn't exceed 50% of your monthly salary – this is your Debt Burden Ratio (DBR).

Monthly salary (AED) Existing loan EMIs (AED / month) Total credit card limits (AED)Banks typically count 5% of total card limits as a monthly commitment.

0%DBR

Monthly commitments: –
Room for new EMI: –

Indicative only. Each lender applies its own criteria.

Financial glossary

Jargon, decoded

FAQs

Frequently asked, quickly answered

Fraud awareness

Spot a scam before it spots you

Scammers often pretend to be banks, couriers or even comparison sites. Here are the most common tricks in the UAE.

"Your account is blocked" calls

Callers claim to be your bank and ask for an OTP to "unblock" your card. Banks never ask for OTPs.

Fake delivery links

SMS messages about a parcel with a link asking for a small payment. Never pay through unexpected links.

"Pre-approved" loan fees

Anyone asking for an upfront fee to release a loan is a scammer. Genuine lenders deduct fees from the loan.

Impersonation on WhatsApp

Accounts copying our name or logo. Our only official numbers are listed on our contact page.

Think you've been targeted? Call your bank immediately to block your card, then report it to the police (999 or the official police app) and tell us.

Report to us

Guided tours

Learn in 60 seconds

Bite-sized walkthroughs. Use the arrows to step through each one.

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Pro tips

Small habits, big savings

Swipe or tap the deck to shuffle through money tips from our team.

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