Is the Kredit ChatGPT app free?

Yes, the Kredit app inside ChatGPT is completely free to use. You only need a ChatGPT account to access it.

Do I need a ChatGPT Plus subscription?

No. The Kredit app is available to all ChatGPT users — Free, Plus, Team, and Enterprise plans alike.

How does Kredit choose which cards to recommend?

Kredit uses the same card data and engine that powers kredit.ae. Recommendations are filtered by your monthly salary against each bank's minimum requirement, then ranked by the benefits you ask for — cashback, miles, lounge access, golf, dining, low foreign-currency fees, and more.

Which UAE banks does the app cover?

Kredit covers cards from FAB, Emirates NBD, ADCB, Mashreq, RAKBANK, Dubai Islamic Bank, Emirates Islamic, ADIB, Liv, CBD, Citibank, HSBC and more. New cards are added as they launch in the UAE.

Does Kredit see my personal data?

No. Kredit only receives the salary range and benefit preferences you share in the conversation. There is no login, no credit pull, and no personal identifier required to get a shortlist.

How is the ChatGPT app different from the kredit.ae website?

The website is built for browsing, comparing, and calculating rewards across the full catalogue. The ChatGPT app is conversational — describe what you need in plain language and get a focused shortlist without filtering tables yourself. Both use the same underlying data.

What if I want to apply for a card the app recommends?

Every recommended card comes with a direct apply link to the issuing bank. Tap it to start the application on the bank's own website — Kredit doesn't process applications.

How fresh is the card data?

Card data is maintained by the Kredit editorial team and synced with the kredit.ae website. We monitor UAE bank announcements and update fees, rates, and benefits as they change.

Live on ChatGPT — free to use

Find your next UAE credit card — inside ChatGPT

Tell Kredit your salary and what matters — cashback, miles, lounge access, no annual fee — and get a focused shortlist of UAE cards in seconds, without leaving ChatGPT.

Open in ChatGPT Read the launch announcement →

How it works

01
Open Kredit in ChatGPT
Find the Kredit app in the ChatGPT app directory and start a conversation. Works on web, desktop, and mobile.
02
Describe what you need
Tell Kredit your monthly salary and what you care about most — cashback, miles, lounge access, no fees, or anything else.
03
Get a focused shortlist
See up to three UAE cards that match your needs, with the same data behind kredit.ae and direct apply links to the bank.

Built for real UAE card decisions

A conversational layer on top of the same engine that powers kredit.ae — designed for the questions UAE residents actually ask.

Salary-matched results

Kredit only suggests cards you can realistically qualify for, based on the minimum salary every UAE bank requires.

16 benefit filters

Cashback, miles, dining, lounge access, golf, cinema, low forex fees, welcome bonuses — combine any of them in plain language.

Same data as kredit.ae

Cards from FAB, ENBD, ADCB, Mashreq, RAKBANK, Liv, DIB, ADIB and more — kept up to date by the Kredit editorial team.

Direct apply links

Each shortlist card comes with a one-click link straight to the bank's application page — no extra steps.

What a Kredit conversation looks like

Ask in plain language. Get a focused shortlist with real card data, not a generic list.

ChatGPT · Kredit

Best cashback card with airport lounge access for a 15,000 AED salary?

Three cards match your salary and benefit needs. Here are the best fits:

Emirates Islamic

Emirates Islamic Cashback Plus

Up to 10% cashback on groceries, dining, education and telecom
Unlimited complimentary airport lounge access

First Abu Dhabi Bank

FAB Cashback Credit Card

5% cashback on fashion, dining and groceries
Mastercard Travel Pass — unlimited lounge access

Liv.

Liv Cashback Credit Card

Up to 2% cashback on all spends, free for life
Access to 25+ airport lounges

Ask a follow-up like “compare the annual fees” or “show me more cashback cards” to refine.

Try these prompts

Tap any prompt to copy it, then paste it into the Kredit app in ChatGPT.

Frequently asked questions

Everything about the Kredit ChatGPT app.

Ready to ask Kredit anything?

Open the Kredit app in ChatGPT and get a focused UAE credit card shortlist in seconds.

Open in ChatGPT

How it works

Open Kredit in ChatGPT

Find the Kredit app in the ChatGPT app directory and start a conversation. Works on web, desktop, and mobile.

Describe what you need

Tell Kredit your monthly salary and what you care about most — cashback, miles, lounge access, no fees, or anything else.

Get a focused shortlist

See up to three UAE cards that match your needs, with the same data behind kredit.ae and direct apply links to the bank.