Are these credit card calculators free to use?

Yes. Every calculator on Kredit is completely free, needs no sign-up or email, and runs entirely in your browser — your numbers are never stored or shared.

Which credit card calculator should I use?

Use the **Rewards Calculator** to compare cashback, miles and points across UAE cards (it also nets out the annual fee); the **Balance Transfer** calculator to see if moving a balance to a 0% offer saves money; the **Interest & Payoff** calculator to understand the cost of carrying a balance; and the **Installment Plan (EMI)** calculator to split a purchase into monthly payments.

How is credit card interest calculated in the UAE?

UAE banks quote credit-card interest as a **monthly** rate — typically around 3% to 3.5% per month on retail purchases, which works out to roughly 36–43% per year. Interest is charged on the outstanding balance each statement cycle and compounds if you don't pay in full.

What is the minimum payment on a UAE credit card?

The minimum payment is usually the greater of a fixed floor (commonly AED 100) or a percentage of your outstanding balance (commonly 5%). Paying only the minimum keeps your account current but is the most expensive way to carry a balance — the Interest & Payoff calculator shows exactly how much longer and costlier it is.

Is a balance transfer worth it in the UAE?

It depends on the promotional rate, how long it lasts, the transfer fee (usually 1–3% of the balance) and how fast you can repay. The Balance Transfer calculator weighs the interest you'd save against the fee so you can see the all-in result before committing.

Should I pay an annual fee for a credit card?

Only if the rewards and perks you'll actually use are worth more than the fee. A paid card with higher reward rates can easily out-earn a free card for higher spenders, and many UAE cards waive the fee above a yearly spend threshold. The Rewards Calculator nets the annual fee out of your projected rewards so you can see the true value.

How accurate are the results?

Results are good-faith estimates based on the figures you enter and standard UAE banking conventions. Real rates, fees and minimum-payment rules vary by bank and product, so always confirm the exact terms with your issuer before deciding.

Credit card calculators

Free tools to make a smarter credit-card decision in the UAE — compare rewards, plan a balance transfer, understand interest, and more.

Rewards calculator

Enter your monthly spending and compare cashback, miles and points across UAE cards side by side.

Balance transfer savings

See how much you'd save by moving a balance to a 0% promo offer, after the transfer fee.

Interest & payoff

Find out how long minimum payments really take — and the total interest a balance costs you.

Installment plan (EMI)

Turn a big purchase into a monthly installment and compare it against carrying it on credit.

Why Kredit

Why use these calculators

Built for the UAE

Every tool uses local conventions — monthly interest rates, AED amounts and percentage-based minimum payments — not US-style APRs.

Free and private

No sign-up, no email, no catch. Calculations run entirely in your browser and your numbers are never stored or shared.

Powered by our rewards engine

The rewards calculator uses the same calculation engine behind Kredit's card comparisons, across every major UAE bank.

Decide before you apply

See the real numbers — cashback, interest, savings and breakeven — so you pick the right card instead of guessing.

How these tools help you decide

A credit card is one of the most expensive forms of borrowing in the UAE — and one of the most rewarding when used well. These calculators turn the fine print into plain AED figures so you can see exactly what a card costs and earns before you apply.

1.Compare rewards across cards to see which earns you the most on your actual spending — and whether a card's rewards beat its annual fee.

2.See how long a balance takes to clear and the interest it costs at the minimum payment.

3.Estimate the savings from a 0% balance transfer once the transfer fee is counted.

4.Convert a big purchase into a monthly installment and compare it to paying on credit.

Understanding credit card costs in the UAE

UAE banks quote credit-card interest as a monthly rate — usually around 3% to 3.5% per month, equivalent to roughly 36–43% a year. If you clear your statement in full each month you pay no interest at all, but any balance carried over is charged at that rate and compounds quickly.

The minimum payment is typically the greater of about 5% of your balance or AED 100. Paying only the minimum can stretch repayment over many years and multiply the total interest, which is why the Interest & Payoff calculator is worth running before you let a balance roll over.

For larger balances, a balance transfer to a card with a 0% promotional period can cut interest dramatically — provided the one-time transfer fee (commonly 1–3%) is smaller than the interest you'd otherwise pay. For big one-off purchases, a bank installment plan usually beats carrying the cost on revolving credit. And if you're weighing a card with an annual fee, the Rewards Calculator nets that fee out of your projected rewards so you can see whether the card earns it back at your level of spending.

Not sure which card to pick?

Try the UAE Credit Card Picker

Answer a few quick questions and we'll match the best UAE credit card to your monthly spending — personalised cashback, rewards and perks in under two minutes.

Start the quiz

Frequently asked questions

Get answers to common questions about credit cards, applications, and managing your finances in the UAE