{"name":"Kredit Market Position","description":"A deterministic, disclosed relative ranking of eligible UAE credit cards, combining seven catalogue percentiles. It is not an editorial rating or customer review.","source":"https://kredit.ae/credit-cards/rankings","citation":"Kredit Market Position","creator":{"name":"Kredit","url":"https://kredit.ae"},"license":"https://creativecommons.org/licenses/by/4.0/","usageInfo":"https://kredit.ae/credit-cards/rankings/data-license","attribution":"Kredit Market Position by Kredit (https://kredit.ae/api/data/market-position), licensed under CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/). Include the dataset's lastModified date and indicate if you made changes.","rights":"To the extent Kredit owns copyright or database rights, CC BY 4.0 applies to the selection, arrangement, and Kredit-generated ranking fields in this dataset. It does not license issuer trademarks, card artwork, third-party source documents, or rights Kredit does not own.","unit":"rank and percentile among eligible UAE credit cards","lastModified":"2026-10-30","weights":{"rewards_value":28,"net_value":16,"cost_fees":13,"perks_benefits":13,"flexibility":12,"accessibility":8,"welcome_bonus":5},"assumptions":{"annualForeignSpendAed":8000,"missingFxFeeFallbackPct":2.57,"cardsUsingFxFallback":4},"methodology":["Seven weighted pillars: Net value 16, Rewards value 28, Cost & fees 13, Perks & benefits 13, Flexibility 12, Accessibility 8, Welcome bonus 5. Weights are relative and total 95.","Each raw pillar metric is converted to a mid-rank percentile among eligible cards and rounded to one decimal. Lower-is-better metrics (cost and minimum salary) are inverted, so a higher percentile always means a stronger relative position. The seven percentiles are combined using the published weights; that weighted index determines rank, overall percentile, and a conservative population-tail band. The UI shows Top N% or Bottom N%, whichever tail is closer; the machine-readable topPercent field retains the full upper-tail population, including ties. No value is converted to stars or presented as an absolute quality rating.","Rewards value and cost & fees assume a spend level scaled to each card's own minimum salary requirement (60% of it), floored at AED 5,000/month so entry-level cards are unaffected — evaluating every card at a flat spend level would unfairly undervalue premium cards, whose reward tiers, caps, and fee waivers are built around genuinely higher spend from genuinely higher-income cardholders. Within that assumed spend, the total is allocated across whichever categories or merchants the specific card rewards, in the same proportions as Kredit's calculator defaults — except any category where the card pays an above-base bonus rate is double-weighted, since a cardholder who picked a merchant-affinity or airline co-brand card realistically concentrates real spend where it specifically pays more, not evenly across a generic basket. Each category is capped at 3x its own typical monthly amount, redirecting any excess to general spending, so a card naming only a few categories doesn't have each one inflated to an unrealistic amount just to fill out a premium-tier total.","Rewards value compares each card's effective reward rate — the AED returned per AED 100 of everyday spend — rather than absolute annual rewards. This prevents a plain flat-rate premium card from ranking highly merely because its salary tier implies more spending. Points and miles use their AED equivalent under the card's default redemption method, not face value.","Cost & fees is the total annual cost of ownership: the annual fee due at the card's assumed spend (crediting any waiver reached — spend-based or an easy standard opt-in like Wio, matching the Fee Index) plus the estimated foreign-transaction (FX) cost on AED 8,000 of annual non-AED spend. The FX rate is read from each card's own fee table where it discloses one, otherwise from its bank's published schedule; 4 otherwise-eligible cards disclose neither and use the published neutral 2.57% all-in proxy. FX cost is the bank's own markup plus the card network's cross-border charge, which the networks levy on the issuer for every cross-border transaction and UAE banks pass through. Where an issuer publishes the network figure it is used; for the 65 cards that do not, the published 1.15% stands in for that component. It is charged whether or not the issuer itemises it — the exceptions are cards whose issuers waive it, and cards whose only disclosed rate already is the network fee.","Net value is the bottom line — annual rewards plus recurring perks minus the annual fee actually due and estimated FX cost (welcome bonus excluded), at the card's salary-scaled spend. It is the pillar that keeps a premium card whose perks outweigh its fee from being buried by the fee alone, and stops a card whose fee eats its rewards from riding high on headline perks. It carries a substantial weight, second to the effective-rate rewards pillar.","Welcome bonus is a separate pillar — the one-time sign-up bonus valued in AED — scored on its own rather than folded into perks, so a real but non-recurring incentive is neither hidden inside the perks total nor ignored. It carries the lightest weight: only a minority of cards offer one, and it pays out once rather than every year.","Percentile ranking means one legitimately extreme value (for example, the catalogue's single highest fee) does not distort every other card merely by stretching a min-max range. Only relative order and exact ties matter.","Flexibility measures a card's breadth of coverage — how many top-level spend categories it earns a meaningful reward in — with rate quality judged separately under rewards value. A category counts if the card earns at least a 1.5% effective rate there (evaluated at the card's own assumed spend, so tiered rates unlock at their real thresholds), or at least the card's own headline everyday rate when the whole card is a lower flat rate — so an honest \"earn on everything\" card keeps full breadth, while a specialty card's token base rate outside its bonus categories (and a bank's deliberately reduced utilities/government/real-estate bucket) doesn't count. Coverage includes merchant-specific deals rolled up to the category they fall under, not only categories a card targets by name directly.","Market position is calculated the same way for every eligible card — issuer relationships play no part in it. See /credit-cards/how-we-rank for the full worked methodology.","Debit, stored-value, prepaid, and BNPL products (12) are excluded from this credit-card ranking. Cards without reward-calculation rules (9), with undisclosed/invitation-only pricing (0), with an invitation-only salary requirement (1), or tagged as an \"Infinite Privilege\"-tier product (1) are also excluded rather than partially ranked.","Perks & benefits unlocks any spend-gated perk (minimum monthly spend) using the same salary-scaled assumed spend as rewards value and cost & fees — not a flat mass-market default. Once unlocked, a gated perk still counts at 75% of its value, versus full value for a perk with no spend requirement, since its value depends on sustaining that spend rather than being guaranteed with the card.","Perk usage frequency also scales with the card's assumed spend (not a flat catalogue-wide baseline), capped at each perk's own realistic \"engaged cardholder\" ceiling.","A hotel-chain-tagged free-night perk (e.g. a free Marriott night) is valued at ~30% of its rack rate, not full value — Kredit Market Position has no per-user hotel preference, so it assumes a guest without loyalty to that specific chain, the same conservative default the site's personalised card-match tool uses.","Flexibility credits a flat rate that applies to every category (e.g. a single card-wide earn rate) and monthly-selectable bonus categories (up to the number a cardholder can pick at once), not only categories a rule names directly, while still respecting any category a card explicitly excludes.","Cite as \"Kredit Market Position\" and include the stable dataset URL plus its last-updated date (2026-10-30)."],"disclaimer":"Kredit Market Position is a relative catalogue comparison, not an editorial rating, customer review, financial advice, approval prediction, or bank assessment. Position can change when any eligible card or its data changes.","data":{"monthlySpendAed":5000,"rankedCards":147,"noCalculationDataCount":9,"undisclosedFeeCount":0,"invitationOnlySalaryCount":1,"privilegeTierCount":1,"nonCreditProductCount":12,"fxImputedCardCount":4,"fxSchemeAssumedCardCount":65,"fxSchemeAssumedRatePct":1.15,"fxFallbackRatePct":2.57,"annualForeignSpendAed":8000,"ranking":[{"slug":"adcb-traveller-credit-card","title":"ADCB Traveller Credit Card","bankTitle":"Abu Dhabi Commercial Bank (ADCB)","rank":1,"comparedCards":147,"percentile":99.7,"topPercent":1,"marketPositionIndex":77.9,"pillars":[{"id":"net_value","label":"Net value","percentile":97.6,"rawValue":12895.5,"rawUnit":"AED/year","reason":"AED 12,896/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 12,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":94.9,"rawValue":6.2,"rawUnit":"percent","reason":"6.2% effective reward rate (AED 8,928/year in cashback) at an assumed AED 12,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":16.7,"rawValue":1667,"rawUnit":"AED/year","reason":"AED 1,575/year annual fee plus a 1.15% foreign-transaction fee (~AED 92/year on foreign spend) — total cost ~AED 1,667/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":89.5,"rawValue":5634.5,"rawUnit":"AED/year","reason":"AED 5,635/year in recurring perks (AED 2,180 guaranteed + AED 3,455 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 12,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":96.6,"rawValue":19,"rawUnit":"categories","reason":"Earns a meaningful reward in 19 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":20.1,"rawValue":20000,"rawUnit":"AED/month","reason":"AED 20,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":96.3,"rawValue":2000,"rawUnit":"AED","reason":"AED 2,000 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"emirates-islamic-amazon-world-credit-card","title":"Emirates Islamic Amazon World Credit Card","bankTitle":"Emirates Islamic","rank":2,"comparedCards":147,"percentile":99,"topPercent":2,"marketPositionIndex":77.7,"pillars":[{"id":"net_value","label":"Net value","percentile":88.1,"rawValue":7224.398936170212,"rawUnit":"AED/year","reason":"AED 7,224/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 9,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":71.8,"rawValue":2.551063829787234,"rawUnit":"percent","reason":"2.6% effective reward rate (AED 2,755/year — 2,755 points (Amazon Rewards), converted via Amazon.ae Purchases at 1 AED/point) at an assumed AED 9,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":97.6,"rawValue":187,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 2.34% foreign-transaction fee (~AED 187/year on foreign spend) — total cost ~AED 187/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":87.4,"rawValue":4656.25,"rawUnit":"AED/year","reason":"AED 4,656/year in recurring perks (AED 1,348 guaranteed + AED 3,308 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 9,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":75.9,"rawValue":11,"rawUnit":"categories","reason":"Earns a meaningful reward in 11 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":28.2,"rawValue":15000,"rawUnit":"AED/month","reason":"AED 15,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":83.3,"rawValue":500,"rawUnit":"AED","reason":"AED 500 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"rakbank-world-credit-card","title":"Rakbank World Credit Card","bankTitle":"Rakbank","rank":3,"comparedCards":147,"percentile":98.3,"topPercent":3,"marketPositionIndex":75.4,"pillars":[{"id":"net_value","label":"Net value","percentile":92.9,"rawValue":9118.349999999999,"rawUnit":"AED/year","reason":"AED 9,118/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 12,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":93.5,"rawValue":5.1083333333333325,"rawUnit":"percent","reason":"5.1% effective reward rate (AED 7,356/year in cashback) at an assumed AED 12,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":69.4,"rawValue":298,"rawUnit":"AED/year","reason":"AED 0/year annual fee — waived at this card's assumed AED 12,000/month spend (sticker fee AED 998) plus a 3.7199999999999998% foreign-transaction fee (~AED 298/year on foreign spend) — lower total cost ranks higher."},{"id":"perks_benefits","label":"Perks & benefits","percentile":72.4,"rawValue":2060.35,"rawUnit":"AED/year","reason":"AED 2,060/year in recurring perks at typical usage and this card's assumed AED 12,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":51.7,"rawValue":4,"rawUnit":"categories","reason":"Earns a meaningful reward in 4 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":20.1,"rawValue":20000,"rawUnit":"AED/month","reason":"AED 20,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":86.1,"rawValue":750,"rawUnit":"AED","reason":"AED 750 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"mawarid-platinum-credit-card","title":"Mawarid Platinum Credit Card","bankTitle":"Mawarid Falak Tayyeb Finance","rank":4,"comparedCards":147,"percentile":96.9,"topPercent":5,"marketPositionIndex":75.2,"pillars":[{"id":"net_value","label":"Net value","percentile":74.5,"rawValue":4438.909090909092,"rawUnit":"AED/year","reason":"AED 4,439/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":97.6,"rawValue":7.81818181818182,"rawUnit":"percent","reason":"7.8% effective reward rate (AED 4,691/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":79.6,"rawValue":252,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.1500000000000004% foreign-transaction fee (~AED 252/year on foreign spend) — total cost ~AED 252/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":86.1,"rawValue":13,"rawUnit":"categories","reason":"Earns a meaningful reward in 13 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":98.6,"rawValue":0,"rawUnit":"AED/month","reason":"AED 0 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"mawarid-world-credit-card","title":"Mawarid World Credit Card","bankTitle":"Mawarid Falak Tayyeb Finance","rank":4,"comparedCards":147,"percentile":96.9,"topPercent":5,"marketPositionIndex":75.2,"pillars":[{"id":"net_value","label":"Net value","percentile":74.5,"rawValue":4438.909090909092,"rawUnit":"AED/year","reason":"AED 4,439/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":97.6,"rawValue":7.81818181818182,"rawUnit":"percent","reason":"7.8% effective reward rate (AED 4,691/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":79.6,"rawValue":252,"rawUnit":"AED/year","reason":"AED 0/year annual fee — waived at this card's assumed AED 5,000/month spend (sticker fee AED 525) plus a 3.1500000000000004% foreign-transaction fee (~AED 252/year on foreign spend) — lower total cost ranks higher."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":86.1,"rawValue":13,"rawUnit":"categories","reason":"Earns a meaningful reward in 13 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":98.6,"rawValue":0,"rawUnit":"AED/month","reason":"AED 0 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"mawarid-world-elite-credit-card","title":"Mawarid World Elite Credit Card","bankTitle":"Mawarid Falak Tayyeb Finance","rank":4,"comparedCards":147,"percentile":96.9,"topPercent":5,"marketPositionIndex":75.2,"pillars":[{"id":"net_value","label":"Net value","percentile":74.5,"rawValue":4438.909090909092,"rawUnit":"AED/year","reason":"AED 4,439/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":97.6,"rawValue":7.81818181818182,"rawUnit":"percent","reason":"7.8% effective reward rate (AED 4,691/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":79.6,"rawValue":252,"rawUnit":"AED/year","reason":"AED 0/year annual fee — waived at this card's assumed AED 5,000/month spend (sticker fee AED 1,050) plus a 3.1500000000000004% foreign-transaction fee (~AED 252/year on foreign spend) — lower total cost ranks higher."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":86.1,"rawValue":13,"rawUnit":"categories","reason":"Earns a meaningful reward in 13 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":98.6,"rawValue":0,"rawUnit":"AED/month","reason":"AED 0 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"emirates-islamic-switch-cashback-credit-card","title":"Emirates Islamic Switch Cashback Credit Card","bankTitle":"Emirates Islamic","rank":7,"comparedCards":147,"percentile":95.6,"topPercent":5,"marketPositionIndex":75.2,"pillars":[{"id":"net_value","label":"Net value","percentile":71.1,"rawValue":3851.879310344827,"rawUnit":"AED/year","reason":"AED 3,852/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":82.7,"rawValue":3.068965517241378,"rawUnit":"percent","reason":"3.1% effective reward rate (AED 1,841/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":94.9,"rawValue":203,"rawUnit":"AED/year","reason":"AED 0/year annual fee — waived at this card's assumed AED 5,000/month spend (sticker fee AED 314) plus a 2.54% foreign-transaction fee (~AED 203/year on foreign spend) — lower total cost ranks higher."},{"id":"perks_benefits","label":"Perks & benefits","percentile":74.5,"rawValue":2213.5,"rawUnit":"AED/year","reason":"AED 2,214/year in recurring perks (AED 184 guaranteed + AED 2,030 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":56.5,"rawValue":5,"rawUnit":"categories","reason":"Earns a meaningful reward in 5 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"dib-shams-infinite-credit-card","title":"DIB SHAMS Infinite Credit Card","bankTitle":"Dubai Islamic Bank","rank":8,"comparedCards":147,"percentile":94.9,"topPercent":6,"marketPositionIndex":74,"pillars":[{"id":"net_value","label":"Net value","percentile":95.6,"rawValue":10954.275862068964,"rawUnit":"AED/year","reason":"AED 10,954/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 12,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":68.4,"rawValue":2.455747126436781,"rawUnit":"percent","reason":"2.5% effective reward rate (AED 3,536/year — 707,255 points (Wala'a Rewards), converted via Travel and Bill Payments at 0.005 AED/point) at an assumed AED 12,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":71.8,"rawValue":296,"rawUnit":"AED/year","reason":"AED 0/year annual fee — waived at this card's assumed AED 12,000/month spend (sticker fee AED 734) plus a 3.7% foreign-transaction fee (~AED 296/year on foreign spend) — lower total cost ranks higher."},{"id":"perks_benefits","label":"Perks & benefits","percentile":94.2,"rawValue":7714,"rawUnit":"AED/year","reason":"AED 7,714/year in recurring perks (AED 1,840 guaranteed + AED 5,874 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 12,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":68,"rawValue":10,"rawUnit":"categories","reason":"Earns a meaningful reward in 10 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":20.1,"rawValue":20000,"rawUnit":"AED/month","reason":"AED 20,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":89.8,"rawValue":1000,"rawUnit":"AED","reason":"AED 1,000 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"mawarid-titanium-credit-card","title":"Mawarid Titanium Credit Card","bankTitle":"Mawarid Falak Tayyeb Finance","rank":9,"comparedCards":147,"percentile":94.2,"topPercent":7,"marketPositionIndex":72.7,"pillars":[{"id":"net_value","label":"Net value","percentile":65.6,"rawValue":3348.0000000000014,"rawUnit":"AED/year","reason":"AED 3,348/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":94.2,"rawValue":6.000000000000003,"rawUnit":"percent","reason":"6.0% effective reward rate (AED 3,600/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":79.6,"rawValue":252,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.1500000000000004% foreign-transaction fee (~AED 252/year on foreign spend) — total cost ~AED 252/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":86.1,"rawValue":13,"rawUnit":"categories","reason":"Earns a meaningful reward in 13 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":98.6,"rawValue":0,"rawUnit":"AED/month","reason":"AED 0 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"emirates-islamic-amazon-platinum-credit-card","title":"Emirates Islamic Amazon Platinum Credit Card","bankTitle":"Emirates Islamic","rank":10,"comparedCards":147,"percentile":93.5,"topPercent":7,"marketPositionIndex":72.6,"pillars":[{"id":"net_value","label":"Net value","percentile":54.1,"rawValue":2294.8085106382987,"rawUnit":"AED/year","reason":"AED 2,295/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 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12,732."},{"id":"flexibility","label":"Flexibility","percentile":75.9,"rawValue":11,"rawUnit":"categories","reason":"Earns a meaningful reward in 11 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":83.3,"rawValue":500,"rawUnit":"AED","reason":"AED 500 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"ajman-bank-life-world-credit-card","title":"Ajman Bank LIFE World Credit Card","bankTitle":"Ajman 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5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"hsbc-live-plus-credit-card","title":"HSBC Live+ Credit Card","bankTitle":"HSBC","rank":21,"comparedCards":147,"percentile":86.1,"topPercent":15,"marketPositionIndex":65.8,"pillars":[{"id":"net_value","label":"Net value","percentile":61.6,"rawValue":2868.114754098361,"rawUnit":"AED/year","reason":"AED 2,868/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 6,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":83.3,"rawValue":3.073770491803279,"rawUnit":"percent","reason":"3.1% effective reward rate (AED 2,213/year in cashback) at an assumed AED 6,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":77.6,"rawValue":265,"rawUnit":"AED/year","reason":"AED 0/year annual fee — waived at this card's assumed AED 6,000/month spend (sticker fee AED 314) plus a 3.31% foreign-transaction fee (~AED 265/year on foreign spend) — lower total cost ranks higher."},{"id":"perks_benefits","label":"Perks & benefits","percentile":56.5,"rawValue":920,"rawUnit":"AED/year","reason":"AED 920/year in recurring perks at typical usage and this card's assumed AED 6,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":51.7,"rawValue":4,"rawUnit":"categories","reason":"Earns a meaningful reward in 4 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":47.3,"rawValue":10000,"rawUnit":"AED/month","reason":"AED 10,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"invest-bank-world-credit-card","title":"Invest Bank World Credit Card","bankTitle":"Invest Bank","rank":22,"comparedCards":147,"percentile":85.4,"topPercent":15,"marketPositionIndex":65.6,"pillars":[{"id":"net_value","label":"Net value","percentile":85.4,"rawValue":5913,"rawUnit":"AED/year","reason":"AED 5,913/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 15,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards 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bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":13.3,"rawValue":25000,"rawUnit":"AED/month","reason":"AED 25,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"rakbank-rakislamic-watani-credit-card","title":"Rakbank Islamic Watani Credit Card","bankTitle":"Rakbank","rank":23,"comparedCards":147,"percentile":84.7,"topPercent":16,"marketPositionIndex":64.7,"pillars":[{"id":"net_value","label":"Net value","percentile":70.4,"rawValue":3781.8638297872344,"rawUnit":"AED/year","reason":"AED 3,782/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 9,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":67,"rawValue":2.429503546099291,"rawUnit":"percent","reason":"2.4% effective reward rate (AED 2,624/year — 327,983 points (Rakbank Rewards), converted via Airlines & Hotels at 0.008 AED/point) at an assumed AED 9,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":69.4,"rawValue":298,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.7199999999999998% foreign-transaction fee (~AED 298/year on foreign spend) — total cost ~AED 298/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":67,"rawValue":1456,"rawUnit":"AED/year","reason":"AED 1,456/year in recurring perks at typical usage and this card's assumed AED 9,000/month spend — catalogue range AED 0–AED 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(FAB)","rank":24,"comparedCards":147,"percentile":84,"topPercent":17,"marketPositionIndex":64.5,"pillars":[{"id":"net_value","label":"Net value","percentile":58.2,"rawValue":2548.9552238805986,"rawUnit":"AED/year","reason":"AED 2,549/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":90.8,"rawValue":3.814925373134331,"rawUnit":"percent","reason":"3.8% effective reward rate (AED 2,289/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":45.2,"rawValue":626,"rawUnit":"AED/year","reason":"AED 315/year annual fee plus a 3.8905% foreign-transaction fee (~AED 311/year on foreign spend) — total cost ~AED 626/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":55.4,"rawValue":886,"rawUnit":"AED/year","reason":"AED 886/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":44.9,"rawValue":3,"rawUnit":"categories","reason":"Earns a meaningful reward in 3 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"emirates-islamic-etihad-guest-premium-credit-card","title":"Emirates Islamic Etihad Guest Premium Credit Card","bankTitle":"Emirates Islamic","rank":25,"comparedCards":147,"percentile":83.3,"topPercent":18,"marketPositionIndex":64.4,"pillars":[{"id":"net_value","label":"Net value","percentile":87.4,"rawValue":6964.667489882355,"rawUnit":"AED/year","reason":"AED 6,965/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 12,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":72.4,"rawValue":2.561227423529413,"rawUnit":"percent","reason":"2.6% effective reward rate (AED 3,688/year — 83,689 miles (Etihad Guest Miles), converted via Etihad Guest flights & upgrades at 0.04407 AED/mile) at an assumed AED 12,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & 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categories."},{"id":"accessibility","label":"Accessibility","percentile":20.1,"rawValue":20000,"rawUnit":"AED/month","reason":"AED 20,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":97.3,"rawValue":2423.85,"rawUnit":"AED","reason":"AED 2,424 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"ajman-bank-life-platinum-credit-card","title":"Ajman Bank LIFE Platinum Credit Card","bankTitle":"Ajman Bank","rank":26,"comparedCards":147,"percentile":82.7,"topPercent":18,"marketPositionIndex":64.2,"pillars":[{"id":"net_value","label":"Net value","percentile":62.9,"rawValue":2920.120481927711,"rawUnit":"AED/year","reason":"AED 2,920/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 6,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":73.1,"rawValue":2.680722891566265,"rawUnit":"percent","reason":"2.7% effective reward rate (AED 1,930/year in cashback) at an assumed AED 6,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":75.9,"rawValue":280,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.5% foreign-transaction fee (~AED 280/year on foreign spend) — total cost ~AED 280/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":62.2,"rawValue":1270,"rawUnit":"AED/year","reason":"AED 1,270/year in recurring perks at typical usage and this card's assumed AED 6,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":56.5,"rawValue":5,"rawUnit":"categories","reason":"Earns a meaningful reward in 5 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":47.3,"rawValue":10000,"rawUnit":"AED/month","reason":"AED 10,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"mashreq-noon-credit-card","title":"Mashreq Noon Credit Card","bankTitle":"Mashreq Bank","rank":27,"comparedCards":147,"percentile":82,"topPercent":19,"marketPositionIndex":63.8,"pillars":[{"id":"net_value","label":"Net value","percentile":48.6,"rawValue":1925.571428571428,"rawUnit":"AED/year","reason":"AED 1,926/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":87.4,"rawValue":3.3942857142857137,"rawUnit":"percent","reason":"3.4% effective reward rate (AED 2,037/year — 2,037 credits (noon Credits), converted via noon Purchases at 1 AED/credit) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":90.8,"rawValue":231,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 2.89% foreign-transaction fee (~AED 231/year on foreign spend) — total cost ~AED 231/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":31,"rawValue":120,"rawUnit":"AED/year","reason":"AED 120/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 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lightest)."}]},{"slug":"invest-bank-platinum-credit-card","title":"Invest Bank Platinum Credit Card","bankTitle":"Invest Bank","rank":29,"comparedCards":147,"percentile":80.6,"topPercent":20,"marketPositionIndex":63.4,"pillars":[{"id":"net_value","label":"Net value","percentile":44.6,"rawValue":1771,"rawUnit":"AED/year","reason":"AED 1,771/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":80.3,"rawValue":3,"rawUnit":"percent","reason":"3.0% effective reward rate (AED 1,800/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":37.8,"rawValue":765,"rawUnit":"AED/year","reason":"AED 525/year annual fee plus a 3% foreign-transaction fee (~AED 240/year on foreign spend) — total cost ~AED 765/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":46.3,"rawValue":736,"rawUnit":"AED/year","reason":"AED 736/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":96.6,"rawValue":19,"rawUnit":"categories","reason":"Earns a meaningful reward in 19 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-voyager-world-credit-card","title":"ENBD Voyager World Credit Card","bankTitle":"Emirates NBD","rank":30,"comparedCards":147,"percentile":79.9,"topPercent":21,"marketPositionIndex":63,"pillars":[{"id":"net_value","label":"Net value","percentile":81.3,"rawValue":5239.511702127658,"rawUnit":"AED/year","reason":"AED 5,240/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 7,200/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":54.8,"rawValue":2.064539007092198,"rawUnit":"percent","reason":"2.1% effective reward rate (AED 1,784/year — 178,376 miles (Voyager Miles), converted via Travel Redemption at 0.01 AED/mile) at an assumed AED 7,200/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & 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categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":86.1,"rawValue":750,"rawUnit":"AED","reason":"AED 750 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"cbd-yes-rewards-credit-card","title":"CBD Yes Rewards Credit Card","bankTitle":"Commercial Bank of Dubai (CBD)","rank":31,"comparedCards":147,"percentile":79.3,"topPercent":22,"marketPositionIndex":62.9,"pillars":[{"id":"net_value","label":"Net value","percentile":53.4,"rawValue":2268,"rawUnit":"AED/year","reason":"AED 2,268/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards 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of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":77.9,"rawValue":200,"rawUnit":"AED","reason":"AED 200 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"emirates-islamic-flex-elite-credit-card","title":"Emirates Islamic Flex Elite Credit Card","bankTitle":"Emirates Islamic","rank":32,"comparedCards":147,"percentile":78.6,"topPercent":22,"marketPositionIndex":62.7,"pillars":[{"id":"net_value","label":"Net value","percentile":69.7,"rawValue":3692.1395348837204,"rawUnit":"AED/year","reason":"AED 3,692/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 9,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":71.1,"rawValue":2.5445736434108523,"rawUnit":"percent","reason":"2.5% effective reward rate (AED 2,748/year — 274,814 miles (EI SmartMiles), converted via Instant Purchase at 0.01 AED/mile) at an assumed AED 9,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":32,"rawValue":938,"rawUnit":"AED/year","reason":"AED 735/year annual fee plus a 2.54% foreign-transaction fee (~AED 203/year on foreign spend) — total cost ~AED 938/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":70.4,"rawValue":1882,"rawUnit":"AED/year","reason":"AED 1,882/year in recurring perks (AED 1,288 guaranteed + AED 594 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 9,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":68,"rawValue":10,"rawUnit":"categories","reason":"Earns a meaningful reward in 10 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":28.2,"rawValue":15000,"rawUnit":"AED/month","reason":"AED 15,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":95.6,"rawValue":1750,"rawUnit":"AED","reason":"AED 1,750 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"emirates-islamic-etihad-guest-ameera-credit-card","title":"Emirates Islamic Etihad Guest Ameera Credit Card","bankTitle":"Emirates Islamic","rank":33,"comparedCards":147,"percentile":77.9,"topPercent":23,"marketPositionIndex":62.3,"pillars":[{"id":"net_value","label":"Net value","percentile":77.9,"rawValue":4630.462223058825,"rawUnit":"AED/year","reason":"AED 4,630/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 7,200/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":57.1,"rawValue":2.0922016470588245,"rawUnit":"percent","reason":"2.1% effective reward rate (AED 1,808/year — 41,018 miles (Etihad Guest Miles), converted via Etihad Guest flights & upgrades at 0.04407 AED/mile) at an assumed AED 7,200/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":33,"rawValue":936.95,"rawUnit":"AED/year","reason":"AED 734/year annual fee plus a 2.54% foreign-transaction fee (~AED 203/year on foreign spend) — total cost ~AED 937/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":83,"rawValue":3759.75,"rawUnit":"AED/year","reason":"AED 3,760/year in recurring perks (AED 1,404 guaranteed + AED 2,356 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 7,200/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":68,"rawValue":10,"rawUnit":"categories","reason":"Earns a meaningful reward in 10 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":87.4,"rawValue":881.4,"rawUnit":"AED","reason":"AED 881 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"citi-prestige-credit-card","title":"Citi Prestige Credit Card","bankTitle":"Citibank","rank":34,"comparedCards":147,"percentile":77.2,"topPercent":24,"marketPositionIndex":61.9,"pillars":[{"id":"net_value","label":"Net value","percentile":99,"rawValue":14542.216,"rawUnit":"AED/year","reason":"AED 14,542/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 18,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards 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12,732."},{"id":"flexibility","label":"Flexibility","percentile":86.1,"rawValue":13,"rawUnit":"categories","reason":"Earns a meaningful reward in 13 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":7.1,"rawValue":30000,"rawUnit":"AED/month","reason":"AED 30,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-duo-credit-card","title":"ENBD Duo Credit Card","bankTitle":"Emirates 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6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":59.5,"rawValue":1104,"rawUnit":"AED/year","reason":"AED 1,104/year in recurring perks at typical usage and this card's assumed AED 7,200/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":56.5,"rawValue":5,"rawUnit":"categories","reason":"Earns a meaningful reward in 5 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-marriott-bonvoy-world-elite","title":"ENBD Marriott Bonvoy World Elite","bankTitle":"Emirates NBD","rank":36,"comparedCards":147,"percentile":75.9,"topPercent":25,"marketPositionIndex":60.9,"pillars":[{"id":"net_value","label":"Net value","percentile":90.1,"rawValue":7946.504474090909,"rawUnit":"AED/year","reason":"AED 7,947/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 15,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":54.1,"rawValue":2.037169152272727,"rawUnit":"percent","reason":"2.0% effective reward rate (AED 3,667/year — 133,130 points (Marriott Bonvoy Points), converted via Free hotel nights at 0.02754375 AED/point) at an assumed AED 15,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & 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categories."},{"id":"accessibility","label":"Accessibility","percentile":13.3,"rawValue":25000,"rawUnit":"AED/month","reason":"AED 25,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":99.3,"rawValue":5508.75,"rawUnit":"AED","reason":"AED 5,509 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"emirates-islamic-cashback-plus-credit-card","title":"Emirates Islamic Cashback Plus Credit Card","bankTitle":"Emirates Islamic","rank":37,"comparedCards":147,"percentile":75.2,"topPercent":26,"marketPositionIndex":60.9,"pillars":[{"id":"net_value","label":"Net value","percentile":79.3,"rawValue":4762.422950819672,"rawUnit":"AED/year","reason":"AED 4,762/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 7,200/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":60.5,"rawValue":2.262295081967213,"rawUnit":"percent","reason":"2.3% effective reward rate (AED 1,955/year in cashback) at an assumed AED 7,200/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":50.7,"rawValue":516.95,"rawUnit":"AED/year","reason":"AED 314/year annual fee plus a 2.54% foreign-transaction fee (~AED 203/year on foreign spend) — total cost ~AED 517/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":79.9,"rawValue":3324.75,"rawUnit":"AED/year","reason":"AED 3,325/year in recurring perks (AED 1,104 guaranteed + AED 2,221 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 7,200/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":51.7,"rawValue":4,"rawUnit":"categories","reason":"Earns a meaningful reward in 4 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-etihad-guest-visa-elevate-credit-card","title":"ENBD Etihad Guest Visa Elevate Credit Card","bankTitle":"Emirates 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~AED 1,826/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":86.7,"rawValue":4392,"rawUnit":"AED/year","reason":"AED 4,392/year in recurring perks at typical usage and this card's assumed AED 18,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":75.9,"rawValue":11,"rawUnit":"categories","reason":"Earns a meaningful reward in 11 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":7.1,"rawValue":30000,"rawUnit":"AED/month","reason":"AED 30,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome 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tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":47.3,"rawValue":593.5,"rawUnit":"AED/year","reason":"AED 263/year annual fee plus a 4.140000000000001% foreign-transaction fee (~AED 331/year on foreign spend) — total cost ~AED 594/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":32.3,"rawValue":132,"rawUnit":"AED/year","reason":"AED 132/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":68,"rawValue":10,"rawUnit":"categories","reason":"Earns a meaningful reward in 10 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"emirates-islamic-etihad-guest-saqer-credit-card","title":"Emirates Islamic Etihad Guest Saqer Credit Card","bankTitle":"Emirates Islamic","rank":40,"comparedCards":147,"percentile":73.1,"topPercent":28,"marketPositionIndex":60.5,"pillars":[{"id":"net_value","label":"Net value","percentile":73.1,"rawValue":4420.462223058825,"rawUnit":"AED/year","reason":"AED 4,420/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 7,200/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":57.1,"rawValue":2.0922016470588245,"rawUnit":"percent","reason":"2.1% effective reward rate (AED 1,808/year — 41,018 miles (Etihad Guest Miles), converted via Etihad Guest flights & upgrades at 0.04407 AED/mile) at an assumed AED 7,200/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":23.5,"rawValue":1146.95,"rawUnit":"AED/year","reason":"AED 944/year annual fee plus a 2.54% foreign-transaction fee (~AED 203/year on foreign spend) — total cost ~AED 1,147/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":83,"rawValue":3759.75,"rawUnit":"AED/year","reason":"AED 3,760/year in recurring perks (AED 1,404 guaranteed + AED 2,356 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 7,200/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":68,"rawValue":10,"rawUnit":"categories","reason":"Earns a meaningful reward in 10 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":92.9,"rawValue":1322.1,"rawUnit":"AED","reason":"AED 1,322 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"adib-marriott-bonvoy-visa-infinite-card","title":"Marriott Bonvoy ADIB Visa Infinite Card","bankTitle":"Abu Dhabi Islamic Bank (ADIB)","rank":41,"comparedCards":147,"percentile":72.4,"topPercent":28,"marketPositionIndex":59.8,"pillars":[{"id":"net_value","label":"Net value","percentile":28.9,"rawValue":923.2411764705885,"rawUnit":"AED/year","reason":"AED 923/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":78.6,"rawValue":2.838235294117648,"rawUnit":"percent","reason":"2.8% effective reward rate (AED 1,703/year — 61,827 points (Marriott Bonvoy Points), converted via Free hotel nights at 0.02754375 AED/point) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":4.4,"rawValue":2818,"rawUnit":"AED/year","reason":"AED 2,625/year annual fee plus a 2.415% foreign-transaction fee (~AED 193/year on foreign spend) — total cost ~AED 2,818/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":71.8,"rawValue":2038.3,"rawUnit":"AED/year","reason":"AED 2,038/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":75.9,"rawValue":11,"rawUnit":"categories","reason":"Earns a meaningful reward in 11 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome 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for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":73.1,"rawValue":292,"rawUnit":"AED/year","reason":"AED 0/year annual fee — waived at this card's assumed AED 12,000/month spend (sticker fee AED 1,050) plus a 3.65% foreign-transaction fee (~AED 292/year on foreign spend) — lower total cost ranks higher."},{"id":"perks_benefits","label":"Perks & benefits","percentile":86.1,"rawValue":4265,"rawUnit":"AED/year","reason":"AED 4,265/year in recurring perks (AED 3,740 guaranteed + AED 525 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 12,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":37.1,"rawValue":2,"rawUnit":"categories","reason":"Earns a meaningful reward in 2 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":20.1,"rawValue":20000,"rawUnit":"AED/month","reason":"AED 20,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"rakbank-elevate-credit-card","title":"Rakbank Elevate Credit Card","bankTitle":"Rakbank","rank":43,"comparedCards":147,"percentile":71.1,"topPercent":30,"marketPositionIndex":59.6,"pillars":[{"id":"net_value","label":"Net value","percentile":88.8,"rawValue":7355.120000000001,"rawUnit":"AED/year","reason":"AED 7,355/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 21,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":33.7,"rawValue":1.398857142857143,"rawUnit":"percent","reason":"1.4% effective reward rate (AED 3,525/year — 440,640 points (Elevate RAKrewards), converted via Elevate airline & hotel credit at 0.008 AED/point) at an assumed AED 21,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":69.4,"rawValue":298,"rawUnit":"AED/year","reason":"AED 0/year annual fee — waived at this card's assumed AED 21,000/month spend (sticker fee AED 617) plus a 3.7199999999999998% foreign-transaction fee (~AED 298/year on foreign spend) — lower total cost ranks higher."},{"id":"perks_benefits","label":"Perks & benefits","percentile":85.4,"rawValue":4128,"rawUnit":"AED/year","reason":"AED 4,128/year in recurring perks at typical usage and this card's assumed AED 21,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":68,"rawValue":10,"rawUnit":"categories","reason":"Earns a meaningful reward in 10 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":3.1,"rawValue":35000,"rawUnit":"AED/month","reason":"AED 35,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":89.8,"rawValue":1000,"rawUnit":"AED","reason":"AED 1,000 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"uab-world-credit-card","title":"UAB World Credit Card","bankTitle":"United Arab Bank (UAB)","rank":44,"comparedCards":147,"percentile":70.4,"topPercent":30,"marketPositionIndex":59.6,"pillars":[{"id":"net_value","label":"Net value","percentile":52.7,"rawValue":2076.4615384615386,"rawUnit":"AED/year","reason":"AED 2,076/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":92.2,"rawValue":4.230769230769231,"rawUnit":"percent","reason":"4.2% effective reward rate (AED 2,538/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":54.8,"rawValue":462,"rawUnit":"AED/year","reason":"AED 0/year annual fee — waived at this card's assumed AED 5,000/month spend (sticker fee AED 1,050) plus a 5.78% foreign-transaction fee (~AED 462/year on foreign spend) — lower total cost ranks 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weighted lightest)."}]},{"slug":"liv-tamayaz-platinum-card","title":"Tamayaz Platinum Credit Card","bankTitle":"Liv Digital Bank by Emirates NBD","rank":45,"comparedCards":147,"percentile":69.7,"topPercent":31,"marketPositionIndex":59.6,"pillars":[{"id":"net_value","label":"Net value","percentile":49.3,"rawValue":1978.4285714285716,"rawUnit":"AED/year","reason":"AED 1,978/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":61.6,"rawValue":2.269047619047619,"rawUnit":"percent","reason":"2.3% effective reward rate (AED 1,361/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":84.4,"rawValue":251,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 251/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":53.7,"rawValue":868,"rawUnit":"AED/year","reason":"AED 868/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":44.9,"rawValue":3,"rawUnit":"categories","reason":"Earns a meaningful reward in 3 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks 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for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":90.8,"rawValue":231,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 2.89% foreign-transaction fee (~AED 231/year on foreign spend) — total cost ~AED 231/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":46.3,"rawValue":736,"rawUnit":"AED/year","reason":"AED 736/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":37.1,"rawValue":2,"rawUnit":"categories","reason":"Earns a meaningful reward in 2 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus 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card's assumed AED 18,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":42.2,"rawValue":1.6599999999999997,"rawUnit":"percent","reason":"1.7% effective reward rate (AED 3,586/year — 35,856 points (UPoints), converted via Emaar Destinations at 0.1 AED/point) at an assumed AED 18,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":9.9,"rawValue":1826,"rawUnit":"AED/year","reason":"AED 1,575/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 1,826/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":96.3,"rawValue":8652.5,"rawUnit":"AED/year","reason":"AED 8,653/year in recurring perks (AED 1,700 guaranteed + AED 6,953 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 18,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":75.9,"rawValue":11,"rawUnit":"categories","reason":"Earns a meaningful reward in 11 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":7.1,"rawValue":30000,"rawUnit":"AED/month","reason":"AED 30,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":89.8,"rawValue":1000,"rawUnit":"AED","reason":"AED 1,000 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"fab-travel-credit-card","title":"FAB Travel Credit Card","bankTitle":"First Abu Dhabi Bank 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fee plus a 4.1739999999999995% foreign-transaction fee (~AED 334/year on foreign spend) — total cost ~AED 753/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":28.6,"rawValue":99,"rawUnit":"AED/year","reason":"AED 99/year in recurring perks (AED 0 guaranteed + AED 99 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":44.9,"rawValue":3,"rawUnit":"categories","reason":"Earns a meaningful reward in 3 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — 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Redemption at 1 AED/point) at an assumed AED 7,200/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":43.5,"rawValue":671,"rawUnit":"AED/year","reason":"AED 420/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 671/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":88.1,"rawValue":4677,"rawUnit":"AED/year","reason":"AED 4,677/year in recurring perks (AED 1,302 guaranteed + AED 3,375 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 7,200/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":37.1,"rawValue":2,"rawUnit":"categories","reason":"Earns a meaningful reward in 2 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"adib-cashback-covered-credit-card","title":"ADIB Cashback Covered Credit Card","bankTitle":"Abu Dhabi Islamic Bank (ADIB)","rank":55,"comparedCards":147,"percentile":62.9,"topPercent":38,"marketPositionIndex":57.6,"pillars":[{"id":"net_value","label":"Net value","percentile":40.5,"rawValue":1543.5175324675322,"rawUnit":"AED/year","reason":"AED 1,544/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":84.7,"rawValue":3.2207792207792205,"rawUnit":"percent","reason":"3.2% effective reward rate (AED 1,932/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":58.2,"rawValue":388.95,"rawUnit":"AED/year","reason":"AED 104/year annual fee plus a 3.565% foreign-transaction fee (~AED 285/year on foreign spend) — total cost ~AED 389/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":59.2,"rawValue":6,"rawUnit":"categories","reason":"Earns a meaningful reward in 6 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"liv-tamayaz-world-card","title":"Tamayaz World Credit Card","bankTitle":"Liv Digital Bank by Emirates NBD","rank":56,"comparedCards":147,"percentile":62.2,"topPercent":39,"marketPositionIndex":56.7,"pillars":[{"id":"net_value","label":"Net value","percentile":66.3,"rawValue":3576.608695652174,"rawUnit":"AED/year","reason":"AED 3,577/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 9,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":77.2,"rawValue":2.807971014492754,"rawUnit":"percent","reason":"2.8% effective reward rate (AED 3,033/year in cashback) at an assumed AED 9,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":28.2,"rawValue":986,"rawUnit":"AED/year","reason":"AED 735/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 986/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":67.7,"rawValue":1530,"rawUnit":"AED/year","reason":"AED 1,530/year in recurring perks at typical usage and this card's assumed AED 9,000/month spend — catalogue range AED 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weighted lightest)."}]},{"slug":"enbd-darna-visa-infinite-credit-card","title":"ENBD Darna Visa Infinite Credit Card","bankTitle":"Emirates NBD","rank":58,"comparedCards":147,"percentile":60.9,"topPercent":40,"marketPositionIndex":55.8,"pillars":[{"id":"net_value","label":"Net value","percentile":90.8,"rawValue":8241.1,"rawUnit":"AED/year","reason":"AED 8,241/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 18,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":48.6,"rawValue":1.826666666666667,"rawUnit":"percent","reason":"1.8% effective reward rate (AED 3,946/year — 39,456 points (Darna Points), converted via Aldar Destinations at 0.1 AED/point) at an assumed AED 18,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":9.9,"rawValue":1826,"rawUnit":"AED/year","reason":"AED 1,575/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 1,826/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":92.2,"rawValue":6121.5,"rawUnit":"AED/year","reason":"AED 6,122/year in recurring perks (AED 0 guaranteed + AED 6,122 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 18,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":75.9,"rawValue":11,"rawUnit":"categories","reason":"Earns a meaningful reward in 11 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":7.1,"rawValue":30000,"rawUnit":"AED/month","reason":"AED 30,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"fab-islamic-cashback-credit-card","title":"FAB Islamic Cashback Credit Card","bankTitle":"First Abu Dhabi Bank (FAB)","rank":59,"comparedCards":147,"percentile":60.2,"topPercent":41,"marketPositionIndex":55.6,"pillars":[{"id":"net_value","label":"Net value","percentile":41.8,"rawValue":1578.5423728813566,"rawUnit":"AED/year","reason":"AED 1,579/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards 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monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"dib-consumer-cashback-platinum-credit-card","title":"DIB Consumer Cashback Platinum Credit Card","bankTitle":"Dubai Islamic Bank","rank":60,"comparedCards":147,"percentile":59.5,"topPercent":41,"marketPositionIndex":55.5,"pillars":[{"id":"net_value","label":"Net value","percentile":60.9,"rawValue":2836.835714285714,"rawUnit":"AED/year","reason":"AED 2,837/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 9,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":84,"rawValue":3.1428571428571423,"rawUnit":"percent","reason":"3.1% effective reward rate (AED 3,394/year in cashback) at an assumed AED 9,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":49.3,"rawValue":557.45,"rawUnit":"AED/year","reason":"AED 261/year annual fee plus a 3.7% foreign-transaction fee (~AED 296/year on foreign spend) — total cost ~AED 557/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 9,000/month spend — catalogue range AED 0–AED 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~AED 1,826/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":92.9,"rawValue":6952.5,"rawUnit":"AED/year","reason":"AED 6,953/year in recurring perks (AED 0 guaranteed + AED 6,953 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 18,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":80.6,"rawValue":12,"rawUnit":"categories","reason":"Earns a meaningful reward in 12 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":7.1,"rawValue":30000,"rawUnit":"AED/month","reason":"AED 30,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"ruya-cashback-credit-card","title":"Ruya Mastercard Cashback Credit Card","bankTitle":"Ruya Community Islamic Bank","rank":62,"comparedCards":147,"percentile":58.2,"topPercent":43,"marketPositionIndex":55.2,"pillars":[{"id":"net_value","label":"Net value","percentile":32.3,"rawValue":960,"rawUnit":"AED/year","reason":"AED 960/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":53.4,"rawValue":2,"rawUnit":"percent","reason":"2.0% effective reward rate (AED 1,200/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":88.1,"rawValue":240,"rawUnit":"AED/year","reason":"AED 0/year annual fee — waived at this card's assumed AED 5,000/month spend (sticker fee AED 314) plus a 3% foreign-transaction fee (~AED 240/year on foreign spend) — lower total cost ranks higher."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":92.2,"rawValue":17,"rawUnit":"categories","reason":"Earns a meaningful reward in 17 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"fab-share-infinite-credit-card","title":"FAB SHARE Infinite Credit Card","bankTitle":"First Abu Dhabi Bank (FAB)","rank":63,"comparedCards":147,"percentile":57.5,"topPercent":43,"marketPositionIndex":55.2,"pillars":[{"id":"net_value","label":"Net value","percentile":78.6,"rawValue":4677.823529411764,"rawUnit":"AED/year","reason":"AED 4,678/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 15,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards 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12 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":13.3,"rawValue":25000,"rawUnit":"AED/month","reason":"AED 25,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-u-by-emaar-infinite-credit-card","title":"ENBD U By Emaar Infinite Credit Card","bankTitle":"Emirates NBD","rank":64,"comparedCards":147,"percentile":56.8,"topPercent":44,"marketPositionIndex":54.8,"pillars":[{"id":"net_value","label":"Net value","percentile":93.5,"rawValue":9992.099999999999,"rawUnit":"AED/year","reason":"AED 9,992/year net — 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6,953 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 18,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":75.9,"rawValue":11,"rawUnit":"categories","reason":"Earns a meaningful reward in 11 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":7.1,"rawValue":30000,"rawUnit":"AED/month","reason":"AED 30,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"mashreq-aura-world-elite-credit-card","title":"Mashreq Aura World 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spend) — total cost ~AED 1,806/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":73.8,"rawValue":2208,"rawUnit":"AED/year","reason":"AED 2,208/year in recurring perks at typical usage and this card's assumed AED 15,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":37.1,"rawValue":2,"rawUnit":"categories","reason":"Earns a meaningful reward in 2 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":13.3,"rawValue":25000,"rawUnit":"AED/month","reason":"AED 25,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome 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& fees","percentile":90.8,"rawValue":231,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 2.89% foreign-transaction fee (~AED 231/year on foreign spend) — total cost ~AED 231/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"adcb-lulu-platinum-credit-card","title":"ADCB LuLu Platinum Credit Card","bankTitle":"Abu Dhabi Commercial Bank (ADCB)","rank":67,"comparedCards":147,"percentile":54.8,"topPercent":46,"marketPositionIndex":53.7,"pillars":[{"id":"net_value","label":"Net value","percentile":50,"rawValue":2024.1428571428578,"rawUnit":"AED/year","reason":"AED 2,024/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":69.7,"rawValue":2.478571428571429,"rawUnit":"percent","reason":"2.5% effective reward rate (AED 1,487/year — 148,714 points (LuLu Points), converted via LuLu Hypermarket at 0.01 AED/point) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":60.9,"rawValue":331,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 4.140000000000001% foreign-transaction fee (~AED 331/year on foreign spend) — total cost ~AED 331/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":53.7,"rawValue":868,"rawUnit":"AED/year","reason":"AED 868/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":53.1,"rawValue":8000,"rawUnit":"AED/month","reason":"AED 8,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"ajman-bank-ultracash-credit-card","title":"Ajman Bank ULTRACASH Credit Card","bankTitle":"Ajman Bank","rank":68,"comparedCards":147,"percentile":54.1,"topPercent":47,"marketPositionIndex":53.7,"pillars":[{"id":"net_value","label":"Net value","percentile":46.6,"rawValue":1857,"rawUnit":"AED/year","reason":"AED 1,857/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 6,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":82,"rawValue":3.0666666666666664,"rawUnit":"percent","reason":"3.1% effective reward rate (AED 2,208/year in cashback) at an assumed AED 6,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":41.8,"rawValue":701,"rawUnit":"AED/year","reason":"AED 315/year annual fee plus a 4.82% foreign-transaction fee (~AED 386/year on foreign spend) — total cost ~AED 701/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":38.4,"rawValue":350,"rawUnit":"AED/year","reason":"AED 350/year in recurring perks at typical usage and this card's assumed AED 6,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":37.1,"rawValue":2,"rawUnit":"categories","reason":"Earns a meaningful reward in 2 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":47.3,"rawValue":10000,"rawUnit":"AED/month","reason":"AED 10,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-lulu-247-platinum-credit-card","title":"ENBD Lulu 247 Platinum Credit Card","bankTitle":"Emirates NBD","rank":69,"comparedCards":147,"percentile":53.4,"topPercent":47,"marketPositionIndex":52.9,"pillars":[{"id":"net_value","label":"Net value","percentile":54.8,"rawValue":2302.0531707317077,"rawUnit":"AED/year","reason":"AED 2,302/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 7,200/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":65.6,"rawValue":2.4068902439024393,"rawUnit":"percent","reason":"2.4% effective reward rate (AED 2,080/year — 2,080 points (ENBD LuLu Points), converted via LuLu Hypermarket at 1 AED/point) at an assumed AED 7,200/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":51.7,"rawValue":513.5,"rawUnit":"AED/year","reason":"AED 263/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 514/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":46.3,"rawValue":736,"rawUnit":"AED/year","reason":"AED 736/year in recurring perks at typical usage and this card's assumed AED 7,200/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":44.9,"rawValue":3,"rawUnit":"categories","reason":"Earns a meaningful reward in 3 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"adib-share-infinite-credit-card","title":"ADIB SHARE Infinite Credit Card","bankTitle":"Abu Dhabi Islamic Bank (ADIB)","rank":70,"comparedCards":147,"percentile":52.7,"topPercent":48,"marketPositionIndex":52.9,"pillars":[{"id":"net_value","label":"Net value","percentile":22.8,"rawValue":700.7166666666662,"rawUnit":"AED/year","reason":"AED 701/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":75.9,"rawValue":2.737777777777777,"rawUnit":"percent","reason":"2.7% effective reward rate (AED 1,643/year — 16,427 points (SHARE Points), converted via Carrefour & Majid Al Futtaim at 0.1 AED/point) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":22.1,"rawValue":1241.95,"rawUnit":"AED/year","reason":"AED 1,049/year annual fee plus a 2.415% foreign-transaction fee (~AED 193/year on foreign spend) — total cost ~AED 1,242/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":36.4,"rawValue":300,"rawUnit":"AED/year","reason":"AED 300/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":80.6,"rawValue":12,"rawUnit":"categories","reason":"Earns a meaningful reward in 12 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"liv-cashback-plus-credit-card","title":"Liv Cashback+ Credit Card","bankTitle":"Liv Digital Bank by Emirates NBD","rank":71,"comparedCards":147,"percentile":52,"topPercent":49,"marketPositionIndex":52.4,"pillars":[{"id":"net_value","label":"Net value","percentile":56.1,"rawValue":2490.3999999999996,"rawUnit":"AED/year","reason":"AED 2,490/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 9,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":46.6,"rawValue":1.7466666666666666,"rawUnit":"percent","reason":"1.7% effective reward rate (AED 1,886/year in cashback) at an assumed AED 9,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & 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15,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"liv-cashback-credit-card","title":"Liv Cashback Credit Card","bankTitle":"Liv Digital Bank by Emirates NBD","rank":72,"comparedCards":147,"percentile":51.4,"topPercent":49,"marketPositionIndex":52.3,"pillars":[{"id":"net_value","label":"Net value","percentile":36.4,"rawValue":1340.157894736842,"rawUnit":"AED/year","reason":"AED 1,340/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":24.1,"rawValue":1.2052631578947368,"rawUnit":"percent","reason":"1.2% effective reward rate (AED 723/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":84.4,"rawValue":251,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 251/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":53.7,"rawValue":868,"rawUnit":"AED/year","reason":"AED 868/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":92.2,"rawValue":17,"rawUnit":"categories","reason":"Earns a meaningful reward in 17 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"fab-etihad-guest-infinite-credit-card","title":"FAB Etihad Guest Infinite Credit Card","bankTitle":"First Abu Dhabi Bank (FAB)","rank":73,"comparedCards":147,"percentile":50.7,"topPercent":50,"marketPositionIndex":51.5,"pillars":[{"id":"net_value","label":"Net value","percentile":65,"rawValue":3336.5915999999997,"rawUnit":"AED/year","reason":"AED 3,337/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 18,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":44.6,"rawValue":1.711385,"rawUnit":"percent","reason":"1.7% effective reward rate (AED 3,697/year — 83,880 miles (Etihad Guest Miles), converted via Etihad Guest flights & upgrades at 0.04407 AED/mile) at an assumed AED 18,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":2.4,"rawValue":2936,"rawUnit":"AED/year","reason":"AED 2,625/year annual fee plus a 3.8905% foreign-transaction fee (~AED 311/year on foreign spend) — total cost ~AED 2,936/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":76.5,"rawValue":2576,"rawUnit":"AED/year","reason":"AED 2,576/year in recurring perks at typical usage and this card's assumed AED 18,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":86.1,"rawValue":13,"rawUnit":"categories","reason":"Earns a meaningful reward in 13 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":7.1,"rawValue":30000,"rawUnit":"AED/month","reason":"AED 30,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":97.3,"rawValue":2423.85,"rawUnit":"AED","reason":"AED 2,424 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"cbd-super-saver-credit-card","title":"CBD Super Saver Credit Card","bankTitle":"Commercial Bank of Dubai 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6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":46.3,"rawValue":736,"rawUnit":"AED/year","reason":"AED 736/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":51.7,"rawValue":4,"rawUnit":"categories","reason":"Earns a meaningful reward in 4 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"american-express-platinum-credit-card","title":"The American Express Platinum Credit Card","bankTitle":"American Express","rank":75,"comparedCards":147,"percentile":49.3,"topPercent":52,"marketPositionIndex":51.2,"pillars":[{"id":"net_value","label":"Net value","percentile":60.2,"rawValue":2757.785,"rawUnit":"AED/year","reason":"AED 2,758/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 12,750/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":11.2,"rawValue":0.7344999999999999,"rawUnit":"percent","reason":"0.7% effective reward rate (AED 1,124/year — 76,500 points (Membership Rewards), converted via Select & Pay Statement Credit at 0.01469 AED/point) at an assumed AED 12,750/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & 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categories."},{"id":"accessibility","label":"Accessibility","percentile":16,"rawValue":21250,"rawUnit":"AED/month","reason":"AED 21,250 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"adcb-365-cashback-credit-card","title":"ADCB 365 Cashback Credit Card","bankTitle":"Abu Dhabi Commercial Bank (ADCB)","rank":76,"comparedCards":147,"percentile":48.6,"topPercent":52,"marketPositionIndex":51.1,"pillars":[{"id":"net_value","label":"Net value","percentile":31,"rawValue":937.5302197802202,"rawUnit":"AED/year","reason":"AED 938/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards 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everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"wio-credit-card","title":"Wio Credit Card","bankTitle":"Wio Bank","rank":77,"comparedCards":147,"percentile":48,"topPercent":53,"marketPositionIndex":50.8,"pillars":[{"id":"net_value","label":"Net value","percentile":25.5,"rawValue":850.5263157894738,"rawUnit":"AED/year","reason":"AED 851/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":43.2,"rawValue":1.6842105263157894,"rawUnit":"percent","reason":"1.7% effective reward rate (AED 1,011/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":99.7,"rawValue":160,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 2% foreign-transaction fee (~AED 160/year on foreign spend) — total cost ~AED 160/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":90.8,"rawValue":16,"rawUnit":"categories","reason":"Earns a meaningful reward in 16 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":56.8,"rawValue":7000,"rawUnit":"AED/month","reason":"AED 7,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-dnata-world-credit-card","title":"ENBD Dnata World Credit Card","bankTitle":"Emirates NBD","rank":78,"comparedCards":147,"percentile":47.3,"topPercent":54,"marketPositionIndex":50.3,"pillars":[{"id":"net_value","label":"Net value","percentile":76.5,"rawValue":4516.931818181819,"rawUnit":"AED/year","reason":"AED 4,517/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 12,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":33,"rawValue":1.3731818181818183,"rawUnit":"percent","reason":"1.4% effective reward rate (AED 1,977/year — 1,977 points (dnata Points), converted via dnata Travel & outlets at 1 AED/point) at an assumed AED 12,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":20.7,"rawValue":1299.95,"rawUnit":"AED/year","reason":"AED 1,049/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 1,300/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":84.7,"rawValue":3839.5,"rawUnit":"AED/year","reason":"AED 3,840/year in recurring perks (AED 700 guaranteed + AED 3,140 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 12,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":75.9,"rawValue":11,"rawUnit":"categories","reason":"Earns a meaningful reward in 11 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":20.1,"rawValue":20000,"rawUnit":"AED/month","reason":"AED 20,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-u-by-emaar-signature-credit-card","title":"ENBD U By Emaar Signature Credit Card","bankTitle":"Emirates NBD","rank":79,"comparedCards":147,"percentile":46.6,"topPercent":54,"marketPositionIndex":49.4,"pillars":[{"id":"net_value","label":"Net value","percentile":71.8,"rawValue":4225.021428571429,"rawUnit":"AED/year","reason":"AED 4,225/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 7,200/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":45.9,"rawValue":1.7404761904761912,"rawUnit":"percent","reason":"1.7% effective reward rate (AED 1,504/year — 15,038 points (UPoints), converted via Emaar Destinations at 0.1 AED/point) at an assumed AED 7,200/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":51.7,"rawValue":513.5,"rawUnit":"AED/year","reason":"AED 263/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 514/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":79.3,"rawValue":3234.75,"rawUnit":"AED/year","reason":"AED 3,235/year in recurring perks (AED 240 guaranteed + AED 2,995 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 7,200/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":4.1,"rawValue":0,"rawUnit":"categories","reason":"Earns a meaningful reward in 0 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"citi-premier-credit-card","title":"Citi Premier Credit Card","bankTitle":"Citibank","rank":80,"comparedCards":147,"percentile":45.9,"topPercent":55,"marketPositionIndex":49,"pillars":[{"id":"net_value","label":"Net value","percentile":86.1,"rawValue":6194.4,"rawUnit":"AED/year","reason":"AED 6,194/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 9,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":28.9,"rawValue":1.3077777777777777,"rawUnit":"percent","reason":"1.3% effective reward rate (AED 1,412/year — 42,372 miles (Citi Miles), converted via Flight Redemption at 0.03333333333333333 AED/mile) at an assumed AED 9,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":26.2,"rawValue":1026.5,"rawUnit":"AED/year","reason":"AED 788/year annual fee plus a 2.99% foreign-transaction fee (~AED 239/year on foreign spend) — total cost ~AED 1,027/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":90.1,"rawValue":5808.5,"rawUnit":"AED/year","reason":"AED 5,809/year in recurring perks (AED 1,931 guaranteed + AED 3,878 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 9,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":44.9,"rawValue":3,"rawUnit":"categories","reason":"Earns a meaningful reward in 3 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":28.2,"rawValue":15000,"rawUnit":"AED/month","reason":"AED 15,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"dib-consumer-cashback-reward-credit-card","title":"DIB Consumer Cashback Reward Credit Card","bankTitle":"Dubai Islamic Bank","rank":81,"comparedCards":147,"percentile":45.2,"topPercent":56,"marketPositionIndex":48.7,"pillars":[{"id":"net_value","label":"Net value","percentile":28.2,"rawValue":908.2857142857142,"rawUnit":"AED/year","reason":"AED 908/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":64.3,"rawValue":2.357142857142857,"rawUnit":"percent","reason":"2.4% effective reward rate (AED 1,414/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":52.7,"rawValue":506,"rawUnit":"AED/year","reason":"AED 210/year annual fee plus a 3.7% foreign-transaction fee (~AED 296/year on foreign spend) — total cost ~AED 506/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":59.2,"rawValue":6,"rawUnit":"categories","reason":"Earns a meaningful reward in 6 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"fab-elite-credit-card","title":"FAB Elite Credit Card","bankTitle":"First Abu Dhabi Bank (FAB)","rank":82,"comparedCards":147,"percentile":44.6,"topPercent":56,"marketPositionIndex":48.1,"pillars":[{"id":"net_value","label":"Net value","percentile":84.7,"rawValue":5894.365269461078,"rawUnit":"AED/year","reason":"AED 5,894/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 24,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":35,"rawValue":1.4296407185628743,"rawUnit":"percent","reason":"1.4% effective reward rate (AED 4,117/year — 1,375,200 points (FAB Rewards), converted via Transaction Reimbursement at 0.0029940119760479044 AED/point) at an assumed AED 24,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":18,"rawValue":1571,"rawUnit":"AED/year","reason":"AED 1,260/year annual fee plus a 3.8905% foreign-transaction fee (~AED 311/year on foreign spend) — total cost ~AED 1,571/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":80.6,"rawValue":3348,"rawUnit":"AED/year","reason":"AED 3,348/year in recurring perks (AED 2,448 guaranteed + AED 900 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 24,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":62.2,"rawValue":9,"rawUnit":"categories","reason":"Earns a meaningful reward in 9 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":1.4,"rawValue":40000,"rawUnit":"AED/month","reason":"AED 40,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-share-signature-credit-card","title":"ENBD SHARE Signature Credit Card","bankTitle":"Emirates NBD","rank":83,"comparedCards":147,"percentile":43.9,"topPercent":57,"marketPositionIndex":47.5,"pillars":[{"id":"net_value","label":"Net value","percentile":51.4,"rawValue":2072.517142857142,"rawUnit":"AED/year","reason":"AED 2,073/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 7,200/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":39.1,"rawValue":1.5590476190476181,"rawUnit":"percent","reason":"1.6% effective reward rate (AED 1,347/year — 13,470 points (SHARE Points), converted via Carrefour & Majid Al Futtaim at 0.1 AED/point) at an assumed AED 7,200/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":84.4,"rawValue":251,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 251/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":57.5,"rawValue":976.5,"rawUnit":"AED/year","reason":"AED 977/year in recurring perks (AED 0 guaranteed + AED 977 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 7,200/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"al-masraf-world-elite-credit-card","title":"Al Masraf World Elite Credit Card","bankTitle":"Al Masraf","rank":84,"comparedCards":147,"percentile":43.2,"topPercent":58,"marketPositionIndex":47,"pillars":[{"id":"net_value","label":"Net value","percentile":79.9,"rawValue":4782.5,"rawUnit":"AED/year","reason":"AED 4,783/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 30,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":19.4,"rawValue":1,"rawUnit":"percent","reason":"1.0% effective reward rate (AED 3,600/year — 72,000 points (Al Masraf Points), converted via Cashback at 0.05 AED/point) at an assumed AED 30,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":24.1,"rawValue":1099.5,"rawUnit":"AED/year","reason":"AED 788/year annual fee plus a 3.9% foreign-transaction fee (~AED 312/year on foreign spend) — total cost ~AED 1,100/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":75.2,"rawValue":2282,"rawUnit":"AED/year","reason":"AED 2,282/year in recurring perks at typical usage and this card's assumed AED 30,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":96.6,"rawValue":19,"rawUnit":"categories","reason":"Earns a meaningful reward in 19 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":0.3,"rawValue":50000,"rawUnit":"AED/month","reason":"AED 50,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"emirates-islamic-cashback-credit-card","title":"Emirates Islamic Cashback Credit Card","bankTitle":"Emirates Islamic","rank":85,"comparedCards":147,"percentile":42.5,"topPercent":58,"marketPositionIndex":46.2,"pillars":[{"id":"net_value","label":"Net value","percentile":27.6,"rawValue":893.5,"rawUnit":"AED/year","reason":"AED 894/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards 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categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"citi-cashback-credit-card","title":"Citi Cashback Credit Card","bankTitle":"Citibank","rank":86,"comparedCards":147,"percentile":41.8,"topPercent":59,"marketPositionIndex":45.7,"pillars":[{"id":"net_value","label":"Net value","percentile":39.8,"rawValue":1469,"rawUnit":"AED/year","reason":"AED 1,469/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":36.4,"rawValue":1.48,"rawUnit":"percent","reason":"1.5% effective reward rate (AED 888/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":89.1,"rawValue":239,"rawUnit":"AED/year","reason":"AED 0/year annual fee — waived at this card's assumed AED 5,000/month spend (sticker fee AED 315) plus a 2.99% foreign-transaction fee (~AED 239/year on foreign spend) — lower total cost ranks higher."},{"id":"perks_benefits","label":"Perks & benefits","percentile":51.4,"rawValue":820,"rawUnit":"AED/year","reason":"AED 820/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":53.1,"rawValue":8000,"rawUnit":"AED/month","reason":"AED 8,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-skywards-infinite-credit-card","title":"ENBD Skywards Infinite Credit Card","bankTitle":"Emirates NBD","rank":87,"comparedCards":147,"percentile":41.2,"topPercent":60,"marketPositionIndex":45.6,"pillars":[{"id":"net_value","label":"Net value","percentile":91.5,"rawValue":8429.929411764706,"rawUnit":"AED/year","reason":"AED 8,430/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 18,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":23.5,"rawValue":1.1881617647058824,"rawUnit":"percent","reason":"1.2% effective reward rate (AED 2,566/year — 58,235 miles (Skywards Miles), converted via Emirates / flydubai flights at 0.04407 AED/mile) at an assumed AED 18,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":9.9,"rawValue":1826,"rawUnit":"AED/year","reason":"AED 1,575/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 1,826/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":93.5,"rawValue":7689.5,"rawUnit":"AED/year","reason":"AED 7,690/year in recurring perks (AED 1,100 guaranteed + AED 6,590 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 18,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":51.7,"rawValue":4,"rawUnit":"categories","reason":"Earns a meaningful reward in 4 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":7.1,"rawValue":30000,"rawUnit":"AED/month","reason":"AED 30,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"rakbank-rakislamic-world-credit-card","title":"Rakbank Islamic World Credit Card","bankTitle":"Rakbank","rank":88,"comparedCards":147,"percentile":40.5,"topPercent":60,"marketPositionIndex":45.4,"pillars":[{"id":"net_value","label":"Net value","percentile":69,"rawValue":3637.199999999999,"rawUnit":"AED/year","reason":"AED 3,637/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 12,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":35.7,"rawValue":1.4549999999999992,"rawUnit":"percent","reason":"1.5% effective reward rate (AED 2,095/year — 261,900 points (Rakbank Rewards), converted via Airlines & Hotels at 0.008 AED/point) at an assumed AED 12,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":69.4,"rawValue":298,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.7199999999999998% foreign-transaction fee (~AED 298/year on foreign spend) — total cost ~AED 298/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":69.4,"rawValue":1840,"rawUnit":"AED/year","reason":"AED 1,840/year in recurring perks at typical usage and this card's assumed AED 12,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":4.1,"rawValue":0,"rawUnit":"categories","reason":"Earns a meaningful reward in 0 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":20.1,"rawValue":20000,"rawUnit":"AED/month","reason":"AED 20,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome 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0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":53.4,"rawValue":469.5,"rawUnit":"AED/year","reason":"AED 158/year annual fee plus a 3.9% foreign-transaction fee (~AED 312/year on foreign spend) — total cost ~AED 470/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":46.3,"rawValue":736,"rawUnit":"AED/year","reason":"AED 736/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":96.6,"rawValue":19,"rawUnit":"categories","reason":"Earns a meaningful reward in 19 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"cbd-visa-infinite-credit-card","title":"CBD Visa Infinite Credit Card","bankTitle":"Commercial Bank of Dubai (CBD)","rank":90,"comparedCards":147,"percentile":39.1,"topPercent":62,"marketPositionIndex":44.5,"pillars":[{"id":"net_value","label":"Net value","percentile":35.7,"rawValue":1225.5294117647059,"rawUnit":"AED/year","reason":"AED 1,226/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 9,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards 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(FAB)","rank":91,"comparedCards":147,"percentile":38.4,"topPercent":62,"marketPositionIndex":44.2,"pillars":[{"id":"net_value","label":"Net value","percentile":33.7,"rawValue":1098.23076923077,"rawUnit":"AED/year","reason":"AED 1,098/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":63.6,"rawValue":2.3487179487179497,"rawUnit":"percent","reason":"2.3% effective reward rate (AED 1,409/year in cashback) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":64.6,"rawValue":311,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.8905% foreign-transaction fee (~AED 311/year on foreign spend) — total cost ~AED 311/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":53.1,"rawValue":8000,"rawUnit":"AED/month","reason":"AED 8,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-skywards-signature-credit-card","title":"ENBD Skywards Signature Credit Card","bankTitle":"Emirates NBD","rank":92,"comparedCards":147,"percentile":37.8,"topPercent":63,"marketPositionIndex":43.8,"pillars":[{"id":"net_value","label":"Net value","percentile":68.4,"rawValue":3633.5990909090906,"rawUnit":"AED/year","reason":"AED 3,634/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 7,200/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":17.3,"rawValue":0.9830429292929291,"rawUnit":"percent","reason":"1.0% effective reward rate (AED 849/year — 19,273 miles (Skywards Miles), converted via Emirates / flydubai flights at 0.04407 AED/mile) at an assumed AED 7,200/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & 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categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"adib-skywards-infinite-credit-card","title":"ADIB Emirates Skywards Visa Infinite Covered Card","bankTitle":"Abu Dhabi Islamic Bank (ADIB)","rank":93,"comparedCards":147,"percentile":37.1,"topPercent":64,"marketPositionIndex":43.7,"pillars":[{"id":"net_value","label":"Net value","percentile":1,"rawValue":-2335.1345907928394,"rawUnit":"AED/year","reason":"AED -2,335/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":56.1,"rawValue":2.0781090153452677,"rawUnit":"percent","reason":"2.1% effective reward rate (AED 1,247/year — 28,293 miles (Skywards Miles), converted via Emirates / flydubai flights at 0.04407 AED/mile) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":1,"rawValue":4918,"rawUnit":"AED/year","reason":"AED 4,725/year annual fee plus a 2.415% foreign-transaction fee (~AED 193/year on foreign spend) — total cost ~AED 4,918/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":64.3,"rawValue":1336,"rawUnit":"AED/year","reason":"AED 1,336/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":75.9,"rawValue":11,"rawUnit":"categories","reason":"Earns a meaningful reward in 11 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-darna-select-visa-credit-card","title":"ENBD Darna Select Visa Credit Card","bankTitle":"Emirates NBD","rank":94,"comparedCards":147,"percentile":36.4,"topPercent":64,"marketPositionIndex":43.5,"pillars":[{"id":"net_value","label":"Net value","percentile":30.3,"rawValue":928.8571428571431,"rawUnit":"AED/year","reason":"AED 929/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":47.3,"rawValue":1.8014285714285718,"rawUnit":"percent","reason":"1.8% effective reward rate (AED 1,081/year — 10,809 points (Darna Points), converted via Aldar Destinations at 0.1 AED/point) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":84.4,"rawValue":251,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 251/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":28.6,"rawValue":99,"rawUnit":"AED/year","reason":"AED 99/year in recurring perks (AED 0 guaranteed + AED 99 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":4.1,"rawValue":0,"rawUnit":"categories","reason":"Earns a meaningful reward in 0 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome 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salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"fab-emirati-islamic-credit-card","title":"FAB Emirati Islamic Credit Card","bankTitle":"First Abu Dhabi Bank (FAB)","rank":96,"comparedCards":147,"percentile":35,"topPercent":66,"marketPositionIndex":43.3,"pillars":[{"id":"net_value","label":"Net value","percentile":42.5,"rawValue":1582.8922155688624,"rawUnit":"AED/year","reason":"AED 1,583/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 9,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":45.2,"rawValue":1.716566866267465,"rawUnit":"percent","reason":"1.7% effective reward rate (AED 1,854/year — 619,200 points (FAB Rewards), converted via Transaction Reimbursement at 0.0029940119760479044 AED/point) at an assumed AED 9,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":31,"rawValue":941,"rawUnit":"AED/year","reason":"AED 630/year annual fee plus a 3.8905% foreign-transaction fee (~AED 311/year on foreign spend) — total cost ~AED 941/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":41.2,"rawValue":670,"rawUnit":"AED/year","reason":"AED 670/year in recurring perks at typical usage and this card's assumed AED 9,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":68,"rawValue":10,"rawUnit":"categories","reason":"Earns a meaningful reward in 10 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":28.2,"rawValue":15000,"rawUnit":"AED/month","reason":"AED 15,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"al-masraf-world-credit-card","title":"Al Masraf World Credit Card","bankTitle":"Al Masraf","rank":97,"comparedCards":147,"percentile":34.4,"topPercent":66,"marketPositionIndex":43.3,"pillars":[{"id":"net_value","label":"Net value","percentile":43.2,"rawValue":1628,"rawUnit":"AED/year","reason":"AED 1,628/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 9,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":19.4,"rawValue":1,"rawUnit":"percent","reason":"1.0% effective reward rate (AED 1,080/year — 21,600 points (Al Masraf Points), converted via Cashback at 0.05 AED/point) at an assumed AED 9,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":34.4,"rawValue":837,"rawUnit":"AED/year","reason":"AED 525/year annual fee plus a 3.9% foreign-transaction fee (~AED 312/year on foreign spend) — total cost ~AED 837/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":65.6,"rawValue":1385,"rawUnit":"AED/year","reason":"AED 1,385/year in recurring perks at typical usage and this card's assumed AED 9,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":96.6,"rawValue":19,"rawUnit":"categories","reason":"Earns a meaningful reward in 19 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":28.2,"rawValue":15000,"rawUnit":"AED/month","reason":"AED 15,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"adib-marriott-bonvoy-visa-signature-card","title":"Marriott Bonvoy ADIB Visa Signature Card","bankTitle":"Abu Dhabi Islamic Bank (ADIB)","rank":98,"comparedCards":147,"percentile":33.7,"topPercent":67,"marketPositionIndex":43,"pillars":[{"id":"net_value","label":"Net value","percentile":37.8,"rawValue":1399.9323529411765,"rawUnit":"AED/year","reason":"AED 1,400/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":28.2,"rawValue":1.3014705882352946,"rawUnit":"percent","reason":"1.3% effective reward rate (AED 781/year — 28,351 points (Marriott Bonvoy Points), converted via Free hotel nights at 0.02754375 AED/point) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":40.5,"rawValue":716.95,"rawUnit":"AED/year","reason":"AED 524/year annual fee plus a 2.415% foreign-transaction fee (~AED 193/year on foreign spend) — total cost ~AED 717/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & 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lightest)."}]},{"slug":"adib-share-platinum-credit-card","title":"ADIB SHARE Visa Platinum Card","bankTitle":"Abu Dhabi Islamic Bank (ADIB)","rank":99,"comparedCards":147,"percentile":33,"topPercent":68,"marketPositionIndex":42.4,"pillars":[{"id":"net_value","label":"Net value","percentile":29.6,"rawValue":928.1111111111109,"rawUnit":"AED/year","reason":"AED 928/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":37.8,"rawValue":1.5218518518518516,"rawUnit":"percent","reason":"1.5% effective reward rate (AED 913/year — 9,131 points (SHARE Points), converted via Carrefour & Majid Al Futtaim at 0.1 AED/point) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":74.5,"rawValue":285,"rawUnit":"AED/year","reason":"AED 0/year annual fee — waived at this card's assumed AED 5,000/month spend (sticker fee AED 209) plus a 3.565% foreign-transaction fee (~AED 285/year on foreign spend) — lower total cost ranks higher."},{"id":"perks_benefits","label":"Perks & benefits","percentile":36.4,"rawValue":300,"rawUnit":"AED/year","reason":"AED 300/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"mashreq-platinum-plus-credit-card","title":"Mashreq Platinum Plus Credit Card","bankTitle":"Mashreq Bank","rank":100,"comparedCards":147,"percentile":32.3,"topPercent":69,"marketPositionIndex":41.6,"pillars":[{"id":"net_value","label":"Net value","percentile":21.4,"rawValue":622.9071428571426,"rawUnit":"AED/year","reason":"AED 623/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":51.4,"rawValue":1.9047619047619042,"rawUnit":"percent","reason":"1.9% effective reward rate (AED 1,143/year — 329,143 points (Mashreq Vantage Points), converted via noon Gift Card at 0.003472222222222222 AED/point) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":50,"rawValue":519.95,"rawUnit":"AED/year","reason":"AED 314/year annual fee plus the disclosed 2.57% fallback for an unavailable issuer FX fee (~AED 206/year on assumed foreign spend) — total cost ~AED 520/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":44.9,"rawValue":3,"rawUnit":"categories","reason":"Earns a meaningful reward in 3 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"emirates-islamic-flex-credit-card","title":"Emirates Islamic Flex Credit Card","bankTitle":"Emirates Islamic","rank":101,"comparedCards":147,"percentile":31.6,"topPercent":69,"marketPositionIndex":41.4,"pillars":[{"id":"net_value","label":"Net value","percentile":23.5,"rawValue":721.3454545454545,"rawUnit":"AED/year","reason":"AED 721/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":31,"rawValue":1.3489090909090906,"rawUnit":"percent","reason":"1.3% effective reward rate (AED 809/year — 80,935 miles (EI SmartMiles), converted via Instant Purchase at 0.01 AED/mile) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":97.6,"rawValue":187,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 2.34% foreign-transaction fee (~AED 187/year on foreign spend) — total cost ~AED 187/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":28.6,"rawValue":99,"rawUnit":"AED/year","reason":"AED 99/year in recurring perks (AED 0 guaranteed + AED 99 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":4.1,"rawValue":0,"rawUnit":"categories","reason":"Earns a meaningful reward in 0 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":77.2,"rawValue":100,"rawUnit":"AED","reason":"AED 100 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"mashreq-solitaire-credit-card","title":"Mashreq Solitaire Credit Card","bankTitle":"Mashreq Bank","rank":102,"comparedCards":147,"percentile":31,"topPercent":70,"marketPositionIndex":41.1,"pillars":[{"id":"net_value","label":"Net value","percentile":96.3,"rawValue":11022,"rawUnit":"AED/year","reason":"AED 11,022/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 15,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":19.4,"rawValue":1,"rawUnit":"percent","reason":"1.0% effective reward rate (AED 1,800/year — 518,400 points (Mashreq Vantage Points), converted via noon Gift Card at 0.003472222222222222 AED/point) at an assumed AED 15,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":15,"rawValue":1806,"rawUnit":"AED/year","reason":"AED 1,575/year annual fee plus a 2.89% foreign-transaction fee (~AED 231/year on foreign spend) — total cost ~AED 1,806/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":98.3,"rawValue":11028,"rawUnit":"AED/year","reason":"AED 11,028/year in recurring perks (AED 2,208 guaranteed + AED 8,820 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 15,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":4.1,"rawValue":0,"rawUnit":"categories","reason":"Earns a meaningful reward in 0 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":13.3,"rawValue":25000,"rawUnit":"AED/month","reason":"AED 25,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome 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7,200/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":32,"rawValue":938,"rawUnit":"AED/year","reason":"AED 735/year annual fee plus a 2.54% foreign-transaction fee (~AED 203/year on foreign spend) — total cost ~AED 938/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":81.3,"rawValue":3657.75,"rawUnit":"AED/year","reason":"AED 3,658/year in recurring perks (AED 1,302 guaranteed + AED 2,356 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 7,200/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"hsbc-cash-plus-credit-card","title":"HSBC Cash+ Credit Card","bankTitle":"HSBC","rank":104,"comparedCards":147,"percentile":29.6,"topPercent":71,"marketPositionIndex":40.9,"pillars":[{"id":"net_value","label":"Net value","percentile":47.3,"rawValue":1895,"rawUnit":"AED/year","reason":"AED 1,895/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 18,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards 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monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":7.1,"rawValue":30000,"rawUnit":"AED/month","reason":"AED 30,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-u-by-emaar-family-credit-card","title":"ENBD U By Emaar Family Credit Card","bankTitle":"Emirates NBD","rank":105,"comparedCards":147,"percentile":28.9,"topPercent":72,"marketPositionIndex":40.8,"pillars":[{"id":"net_value","label":"Net value","percentile":24.8,"rawValue":832.0000000000005,"rawUnit":"AED/year","reason":"AED 832/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":41.2,"rawValue":1.6400000000000006,"rawUnit":"percent","reason":"1.6% effective reward rate (AED 984/year — 9,840 points (UPoints), converted via Emaar Destinations at 0.1 AED/point) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":84.4,"rawValue":251,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 251/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":28.6,"rawValue":99,"rawUnit":"AED/year","reason":"AED 99/year in recurring perks (AED 0 guaranteed + AED 99 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":4.1,"rawValue":0,"rawUnit":"categories","reason":"Earns a meaningful reward in 0 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"citi-rewards-credit-card","title":"Citi Rewards Credit 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foreign-transaction fee (~AED 239/year on foreign spend) — lower total cost ranks higher."},{"id":"perks_benefits","label":"Perks & benefits","percentile":58.2,"rawValue":978,"rawUnit":"AED/year","reason":"AED 978/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":53.1,"rawValue":8000,"rawUnit":"AED/month","reason":"AED 8,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome 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its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":13.3,"rawValue":25000,"rawUnit":"AED/month","reason":"AED 25,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":92.2,"rawValue":1200,"rawUnit":"AED","reason":"AED 1,200 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"fab-blue-infinite-credit-card","title":"FAB Blue Infinite Credit Card","bankTitle":"First Abu Dhabi Bank (FAB)","rank":108,"comparedCards":147,"percentile":26.9,"topPercent":74,"marketPositionIndex":39.5,"pillars":[{"id":"net_value","label":"Net value","percentile":72.4,"rawValue":4390.6,"rawUnit":"AED/year","reason":"AED 4,391/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 24,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":40.5,"rawValue":1.6325000000000003,"rawUnit":"percent","reason":"1.6% effective reward rate (AED 4,702/year in cashback) at an assumed AED 24,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":64.6,"rawValue":311,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.8905% foreign-transaction fee (~AED 311/year on foreign spend) — total cost ~AED 311/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 24,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":1.4,"rawValue":40000,"rawUnit":"AED/month","reason":"AED 40,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-lulu-247-titanium-credit-card","title":"ENBD Lulu 247 Titanium Credit Card","bankTitle":"Emirates NBD","rank":109,"comparedCards":147,"percentile":26.2,"topPercent":75,"marketPositionIndex":38.9,"pillars":[{"id":"net_value","label":"Net value","percentile":18,"rawValue":561.3414634146343,"rawUnit":"AED/year","reason":"AED 561/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":31.6,"rawValue":1.3539024390243903,"rawUnit":"percent","reason":"1.4% effective reward rate (AED 812/year — 812 points (ENBD LuLu Points), converted via LuLu Hypermarket at 1 AED/point) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":84.4,"rawValue":251,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 251/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 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(FAB)","rank":110,"comparedCards":147,"percentile":25.5,"topPercent":75,"marketPositionIndex":38.1,"pillars":[{"id":"net_value","label":"Net value","percentile":13.9,"rawValue":359.39885446498306,"rawUnit":"AED/year","reason":"AED 359/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":2.7,"rawValue":0.2473314241083051,"rawUnit":"percent","reason":"0.2% effective reward rate (AED 148/year — 49,565 points (FAB Rewards), converted via Transaction Reimbursement at 0.0029940119760479044 AED/point) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":96.3,"rawValue":197,"rawUnit":"AED/year","reason":"AED 105/year annual fee plus a 1.15% foreign-transaction fee (~AED 92/year on foreign spend) — total cost ~AED 197/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":39.8,"rawValue":408,"rawUnit":"AED/year","reason":"AED 408/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":62.2,"rawValue":9,"rawUnit":"categories","reason":"Earns a meaningful reward in 9 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"emirates-islamic-skywards-black-credit-card","title":"Emirates Islamic Skywards Black Credit Card","bankTitle":"Emirates Islamic","rank":111,"comparedCards":147,"percentile":24.8,"topPercent":76,"marketPositionIndex":38.1,"pillars":[{"id":"net_value","label":"Net value","percentile":0.3,"rawValue":-3392.0859574468077,"rawUnit":"AED/year","reason":"AED -3,392/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 7,200/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":62.9,"rawValue":2.327446808510639,"rawUnit":"percent","reason":"2.3% effective reward rate (AED 2,011/year — 45,630 miles (Skywards Miles), converted via Emirates / flydubai flights at 0.04407 AED/mile) at an assumed AED 7,200/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":0.3,"rawValue":6051,"rawUnit":"AED/year","reason":"AED 5,775/year annual fee plus a 3.4499999999999997% foreign-transaction fee (~AED 276/year on foreign spend) — total cost ~AED 6,051/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":40.5,"rawValue":648,"rawUnit":"AED/year","reason":"AED 648/year in recurring perks at typical usage and this card's assumed AED 7,200/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":68,"rawValue":10,"rawUnit":"categories","reason":"Earns a meaningful reward in 10 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-share-platinum-credit-card","title":"ENBD SHARE Platinum Credit Card","bankTitle":"Emirates NBD","rank":112,"comparedCards":147,"percentile":24.1,"topPercent":77,"marketPositionIndex":38,"pillars":[{"id":"net_value","label":"Net value","percentile":20.7,"rawValue":620.6285714285716,"rawUnit":"AED/year","reason":"AED 621/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards 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2,885/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":88.8,"rawValue":4739,"rawUnit":"AED/year","reason":"AED 4,739/year in recurring perks (AED 4,376 guaranteed + AED 363 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 18,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":7.1,"rawValue":30000,"rawUnit":"AED/month","reason":"AED 30,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks 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minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"emirates-islamic-etihad-guest-platinum-credit-card","title":"Emirates Islamic Etihad Guest Platinum Credit Card","bankTitle":"Emirates Islamic","rank":118,"comparedCards":147,"percentile":20.1,"topPercent":81,"marketPositionIndex":36.5,"pillars":[{"id":"net_value","label":"Net value","percentile":16,"rawValue":482.72284705882385,"rawUnit":"AED/year","reason":"AED 483/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":37.1,"rawValue":1.4911214117647063,"rawUnit":"percent","reason":"1.5% effective reward rate (AED 895/year — 20,301 miles (Etihad Guest Miles), converted via Etihad Guest flights & upgrades at 0.04407 AED/mile) at an assumed AED 5,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":57.5,"rawValue":411.95,"rawUnit":"AED/year","reason":"AED 209/year annual fee plus a 2.54% foreign-transaction fee (~AED 203/year on foreign spend) — total cost ~AED 412/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":78.6,"rawValue":220.35,"rawUnit":"AED","reason":"AED 220 one-time welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"fab-share-signature-credit-card","title":"FAB SHARE Signature Credit Card","bankTitle":"First Abu Dhabi Bank (FAB)","rank":119,"comparedCards":147,"percentile":19.4,"topPercent":81,"marketPositionIndex":36.5,"pillars":[{"id":"net_value","label":"Net value","percentile":22.1,"rawValue":647.8823529411764,"rawUnit":"AED/year","reason":"AED 648/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 6,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":49.3,"rawValue":1.8470588235294116,"rawUnit":"percent","reason":"1.8% effective reward rate (AED 1,330/year — 13,299 points (SHARE Points), converted via Carrefour & Majid Al Futtaim at 0.1 AED/point) at an assumed AED 6,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":35.4,"rawValue":836,"rawUnit":"AED/year","reason":"AED 525/year annual fee plus a 3.8905% foreign-transaction fee (~AED 311/year on foreign spend) — total cost ~AED 836/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":35,"rawValue":154,"rawUnit":"AED/year","reason":"AED 154/year in recurring perks at typical usage and this card's assumed AED 6,000/month spend — catalogue range AED 0–AED 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1,886/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":62.9,"rawValue":1288,"rawUnit":"AED/year","reason":"AED 1,288/year in recurring perks at typical usage and this card's assumed AED 9,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":28.2,"rawValue":15000,"rawUnit":"AED/month","reason":"AED 15,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome 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categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"fab-share-platinum-credit-card","title":"FAB SHARE Platinum Credit Card","bankTitle":"First Abu Dhabi Bank (FAB)","rank":122,"comparedCards":147,"percentile":17.3,"topPercent":83,"marketPositionIndex":35.5,"pillars":[{"id":"net_value","label":"Net value","percentile":20.1,"rawValue":579.2352941176474,"rawUnit":"AED/year","reason":"AED 579/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 5,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards 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spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"dib-skywards-infinite-credit-card","title":"DIB Emirates Skywards Infinite Covered Card","bankTitle":"Dubai Islamic Bank","rank":123,"comparedCards":147,"percentile":16.7,"topPercent":84,"marketPositionIndex":34.3,"pillars":[{"id":"net_value","label":"Net value","percentile":57.5,"rawValue":2542.3999999999996,"rawUnit":"AED/year","reason":"AED 2,542/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 12,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":22.8,"rawValue":1.1099999999999999,"rawUnit":"percent","reason":"1.1% effective reward rate (AED 1,598/year — 36,270 miles (Skywards Miles), converted via Emirates / flydubai flights at 0.04407 AED/mile) at an assumed AED 12,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":6.5,"rawValue":1871,"rawUnit":"AED/year","reason":"AED 1,575/year annual fee plus a 3.7% foreign-transaction fee (~AED 296/year on foreign spend) — total cost ~AED 1,871/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":78.6,"rawValue":2815,"rawUnit":"AED/year","reason":"AED 2,815/year in recurring perks (AED 1,840 guaranteed + AED 975 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 12,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":20.1,"rawValue":20000,"rawUnit":"AED/month","reason":"AED 20,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"fab-gems-world-credit-card","title":"FAB GEMS World Credit 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311/year on foreign spend) — total cost ~AED 730/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":46.3,"rawValue":736,"rawUnit":"AED/year","reason":"AED 736/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":4.1,"rawValue":0,"rawUnit":"categories","reason":"Earns a meaningful reward in 0 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":53.1,"rawValue":8000,"rawUnit":"AED/month","reason":"AED 8,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome 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range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":30.3,"rawValue":961,"rawUnit":"AED/year","reason":"AED 630/year annual fee plus a 4.140000000000001% foreign-transaction fee (~AED 331/year on foreign spend) — total cost ~AED 961/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":53.7,"rawValue":868,"rawUnit":"AED/year","reason":"AED 868/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":68,"rawValue":10,"rawUnit":"categories","reason":"Earns a meaningful reward in 10 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus 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of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"dib-skywards-signature-credit-card","title":"DIB Emirates Skywards Signature Covered Card","bankTitle":"Dubai Islamic Bank","rank":131,"comparedCards":147,"percentile":11.2,"topPercent":90,"marketPositionIndex":31.5,"pillars":[{"id":"net_value","label":"Net value","percentile":45.2,"rawValue":1780.1,"rawUnit":"AED/year","reason":"AED 1,780/year net — 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catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":73.1,"rawValue":292,"rawUnit":"AED/year","reason":"AED 0/year annual fee plus a 3.65% foreign-transaction fee (~AED 292/year on foreign spend) — total cost ~AED 292/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":37.8,"rawValue":324,"rawUnit":"AED/year","reason":"AED 324/year in recurring perks (AED 0 guaranteed + AED 324 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":4.1,"rawValue":0,"rawUnit":"categories","reason":"Earns a meaningful reward in 0 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus 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19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"enbd-dnata-platinum-credit-card","title":"ENBD Dnata Platinum Credit Card","bankTitle":"Emirates NBD","rank":135,"comparedCards":147,"percentile":8.5,"topPercent":92,"marketPositionIndex":29.4,"pillars":[{"id":"net_value","label":"Net value","percentile":3.1,"rawValue":-282.7942583732057,"rawUnit":"AED/year","reason":"AED -283/year net — annual rewards 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2,303/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":61.2,"rawValue":1252.5,"rawUnit":"AED/year","reason":"AED 1,253/year in recurring perks (AED 1,104 guaranteed + AED 149 from spend-gated perks credited at 75%) at typical usage and this card's assumed AED 7,200/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":38.8,"rawValue":12000,"rawUnit":"AED/month","reason":"AED 12,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks 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3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 355/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks 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salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":67,"rawValue":303.5,"rawUnit":"AED/year","reason":"AED 53/year annual fee plus a 3.1399999999999997% foreign-transaction fee (~AED 251/year on foreign spend) — total cost ~AED 304/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 5,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus 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spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":77.2,"rawValue":5000,"rawUnit":"AED/month","reason":"AED 5,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"dib-skywards-platinum-credit-card","title":"DIB Emirates Skywards Platinum Covered Card","bankTitle":"Dubai Islamic Bank","rank":146,"comparedCards":147,"percentile":1,"topPercent":100,"marketPositionIndex":17.7,"pillars":[{"id":"net_value","label":"Net value","percentile":2.4,"rawValue":-394.2363636363638,"rawUnit":"AED/year","reason":"AED -394/year net — annual rewards plus recurring perks minus the fee due, at this card's assumed AED 6,000/month spend (welcome bonus excluded) — catalogue range AED -3,392–AED 18,055."},{"id":"rewards_value","label":"Rewards value","percentile":6.5,"rawValue":0.5927272727272724,"rawUnit":"percent","reason":"0.6% effective reward rate (AED 427/year — 9,684 miles (Skywards Miles), converted via Emirates / flydubai flights at 0.04407 AED/mile) at an assumed AED 6,000/month spend for this card's salary tier — catalogue range 0.0%–10.0%."},{"id":"cost_fees","label":"Cost & fees","percentile":36.4,"rawValue":821,"rawUnit":"AED/year","reason":"AED 525/year annual fee plus a 3.7% foreign-transaction fee (~AED 296/year on foreign spend) — total cost ~AED 821/year; lower cost ranks higher (catalogue range AED 160–AED 6,051)."},{"id":"perks_benefits","label":"Perks & benefits","percentile":13.3,"rawValue":0,"rawUnit":"AED/year","reason":"AED 0/year in recurring perks at typical usage and this card's assumed AED 6,000/month spend — catalogue range AED 0–AED 12,732."},{"id":"flexibility","label":"Flexibility","percentile":20.4,"rawValue":1,"rawUnit":"categories","reason":"Earns a meaningful reward in 1 of 19 everyday spend categories — counting a flat rate that applies everywhere, monthly-selectable bonus categories, and specific merchant deals, but not a specialty card's token base rate outside its real bonus categories."},{"id":"accessibility","label":"Accessibility","percentile":47.3,"rawValue":10000,"rawUnit":"AED/month","reason":"AED 10,000 minimum salary — catalogue range AED 0–AED 50,000 (lower requirement ranks higher)."},{"id":"welcome_bonus","label":"Welcome bonus","percentile":38.4,"rawValue":0,"rawUnit":"AED","reason":"No welcome bonus — catalogue range AED 0–AED 5,509 (a one-off incentive, weighted lightest)."}]},{"slug":"adcb-islamic-emirati-credit-card","title":"ADCB Islamic Emirati Credit Card","bankTitle":"Abu Dhabi Commercial Bank 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