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Kredit

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AboutBest credit cardsMy CardsOffersKredit PerksBanksLoyalty ProgramsCalculatorsAccountsPick me a cardKredit NearbyChatGPT AppNew to the UAESecure CollectContact us

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

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Mal Debit Card
Debit card

Mal Debit Card

A Visa Signature card linked to Mal's global wallet, with international transfers and an AI money assistant.

Updated Oct 2026

WebsiteVisit Mal Debit Card credit card website

At a glance

Benefits

AI Money Assistant
Global Wallet
International Transfers
Digital Onboarding
See all benefits

Benefits

AI Money Assistant

Send money, add beneficiaries and ask about your spending in chat.

Mal's AI chat lets you describe what you need in everyday language and confirms the details before completing a transfer.

See full breakdown

Global Wallet

Hold US dollars and move money between your own currency accounts.

Mal announces instant transfers between your own currency accounts, with live exchange rates.

See full breakdown

International Transfers

Send money in more than 40 currencies.

Mal's global-transfer service supports currencies including pounds, euros and rupees. Transfer charges are shown before you send.

See full breakdown

Digital Onboarding

Register with a national ID or passport and your phone.

Mal's announced personal-account onboarding uses an identity document and a phone verification code.

See full breakdown

Find your match

Match me to a credit card

Answer a few quick questions and we'll match you to your best-fit UAE credit card — then help you check you qualify before you apply.

Find my match

Eligibility

Documents ready

Emirates ID and identity documents

Have your Emirates ID and any identity documents requested by the provider ready. Identity verification and KYC checks still apply.

October Spotlight

Emirates NBD

Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.

See all
ENBD noon One Visa Credit Card Design
4.1/5

EMIRATES NBD

ENBD noon One Visa Credit Card

  • Salary: AED 5,000+
  • No Annual Fee
  • AED 500 bonus on AED 5,000
  • 20% back in credits on noon Food
  • 5% back in credits on noon
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
EXCLUSIVE OFFER
3.9/5

EMIRATES NBD

ENBD Voyager World Credit Card

  • Salary: AED 12,000+
  • 75,000 Miles on AED 35,000
  • No Annual Fee
  • 6 Miles/AED on Voyager Portal
  • 3 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design
EXCLUSIVE OFFER

EMIRATES NBD

ENBD Voyager World Elite Credit Card

  • Salary: AED 25,000+
  • 150,000 Miles on AED 70,000
  • No Annual Fee for the first year
  • 12 Miles/AED on Voyager Portal
  • 6 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Important Stuff

Mal Consumer Card Terms

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Frequently Asked Questions

Get answers to common questions about Mal Debit Card credit card

Mal's waitlist is open. Its upcoming products will be offered by the relevant Mal group entity once the necessary licences are in place.

Follow the waitlist link to join.mal.ai and complete Mal's registration flow.

Mal has not published an annual fee or minimum salary for the upcoming product.

Mal has not announced card-specific cashback rates or a complimentary lounge allowance for the upcoming product.

Mal Digital Ltd is an Abu Dhabi-based financial technology company building an AI-native Islamic digital bank. In May 2026, Mal received in-principle approval from the Central Bank of the UAE to establish a licensed bank. Banking operations remain subject to final regulatory approvals and licensing requirements.

Mal's published consumer terms describe a charge card, with purchases automatically deducted from your Mal account, and a secured account backed by collateral in a supported blockchain wallet. Read the consumer card terms before joining.

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