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Kredit data · 2026

UAE Credit Card Market Rankings

147 eligible UAE credit cards compared by relative market position using the same public issuer inputs and disclosed assumptions. ADCB Traveller Credit Card currently ranks #1. See how the ranking is calculated.

Ranked by Kredit Market Position

Market position is relative, not a quality rating. Click a pillar to compare its catalogue percentile.

#Card
1ADCB Traveller Credit CardTop 1%
98th percentile
95th percentile
17th percentile
20th percentile
90th percentile
97th percentile
96th percentile
2Emirates Islamic Amazon World Credit CardTop 2%
88th percentile
72nd percentile
98th percentile
28th percentile
87th percentile
76th percentile
83rd percentile
3Rakbank World Credit CardTop 3%
93rd percentile
94th percentile
69th percentile
20th percentile
72nd percentile
52nd percentile
86th percentile
4Mawarid Platinum Credit CardTop 5%
75th percentile
98th percentile
80th percentile
99th percentile
13th percentile
86th percentile
38th percentile
4Mawarid World Credit CardTop 5%
75th percentile
98th percentile
80th percentile
99th percentile
13th percentile
86th percentile
38th percentile
4Mawarid World Elite Credit CardTop 5%
75th percentile
98th percentile
80th percentile
99th percentile
13th percentile
86th percentile
38th percentile
7Emirates Islamic Switch Cashback Credit CardTop 5%
71st percentile
83rd percentile
95th percentile
77th percentile
75th percentile
57th percentile
38th percentile
8DIB SHAMS Infinite Credit CardTop 6%
96th percentile
68th percentile
72nd percentile
20th percentile
94th percentile
68th percentile
90th percentile
9Mawarid Titanium Credit CardTop 7%
66th percentile
94th percentile
80th percentile
99th percentile
13th percentile
86th percentile
38th percentile
10Emirates Islamic Amazon Platinum Credit CardTop 7%
54th percentile
77th percentile
98th percentile
77th percentile
52nd percentile
76th percentile
83rd percentile
11Ajman Bank LIFE World Credit CardTop 8%
98th percentile
88th percentile
34th percentile
20th percentile
98th percentile
57th percentile
38th percentile
12ENBD noon One Visa Credit CardTop 9%
68th percentile
96th percentile
84th percentile
77th percentile
29th percentile
37th percentile
83rd percentile
13Emirates Islamic Barça Cashback Credit CardTop 9%
62nd percentile
78th percentile
95th percentile
77th percentile
66th percentile
52nd percentile
38th percentile
14ADCB Talabat Credit CardTop 10%
81st percentile
96th percentile
61st percentile
77th percentile
46th percentile
20th percentile
86th percentile
15Citi Ultima Credit CardTop 11%
100th percentile
85th percentile
2nd percentile
2nd percentile
100th percentile
86th percentile
38th percentile
16Rakbank Titanium Credit CardTop 11%
59th percentile
93rd percentile
69th percentile
53rd percentile
39th percentile
52nd percentile
83rd percentile
17UAB Platinum Credit CardTop 13%
83rd percentile
99th percentile
55th percentile
77th percentile
13th percentile
45th percentile
38th percentile
17UAB Titanium Credit CardTop 13%
83rd percentile
99th percentile
55th percentile
77th percentile
13th percentile
45th percentile
38th percentile
19Emirates Islamic Emarati Credit CardTop 13%
64th percentile
60th percentile
99th percentile
39th percentile
61st percentile
68th percentile
90th percentile
20SIB Cashback Credit CardTop 14%
60th percentile
90th percentile
73rd percentile
77th percentile
46th percentile
37th percentile
38th percentile
21HSBC Live+ Credit CardTop 15%
62nd percentile
83rd percentile
78th percentile
47th percentile
57th percentile
52nd percentile
38th percentile
22Invest Bank World Credit CardTop 15%
85th percentile
80th percentile
13th percentile
13th percentile
76th percentile
97th percentile
38th percentile
23Rakbank Islamic Watani Credit CardTop 16%
70th percentile
67th percentile
69th percentile
28th percentile
67th percentile
62nd percentile
81st percentile
24FAB Cashback Credit CardTop 17%
58th percentile
91st percentile
45th percentile
77th percentile
55th percentile
45th percentile
38th percentile
25Emirates Islamic Etihad Guest Premium Credit CardTop 18%
87th percentile
72nd percentile
4th percentile
20th percentile
91st percentile
68th percentile
97th percentile
26Ajman Bank LIFE Platinum Credit CardTop 18%
63rd percentile
73rd percentile
76th percentile
47th percentile
62nd percentile
57th percentile
38th percentile
27Mashreq Noon Credit CardTop 19%
49th percentile
87th percentile
91st percentile
77th percentile
31st percentile
37th percentile
38th percentile
28CBD One Credit CardTop 20%
52nd percentile
75th percentile
76th percentile
77th percentile
46th percentile
59th percentile
38th percentile
29Invest Bank Platinum Credit CardTop 20%
45th percentile
80th percentile
38th percentile
77th percentile
46th percentile
97th percentile
38th percentile
30ENBD Voyager World Credit CardTop 21%
81st percentile
55th percentile
84th percentile
39th percentile
82nd percentile
20th percentile
86th percentile
31CBD Yes Rewards Credit CardTop 22%
53rd percentile
81st percentile
76th percentile
77th percentile
46th percentile
20th percentile
78th percentile
32Emirates Islamic Flex Elite Credit CardTop 22%
70th percentile
71st percentile
32nd percentile
28th percentile
70th percentile
68th percentile
96th percentile
33Emirates Islamic Etihad Guest Ameera Credit CardTop 23%
78th percentile
57th percentile
33rd percentile
39th percentile
83rd percentile
68th percentile
87th percentile
34Citi Prestige Credit CardTop 24%
99th percentile
55th percentile
14th percentile
7th percentile
99th percentile
86th percentile
38th percentile
35ENBD Duo Credit CardTop 24%
64th percentile
90th percentile
25th percentile
39th percentile
60th percentile
57th percentile
38th percentile
36ENBD Marriott Bonvoy World EliteTop 25%
90th percentile
54th percentile
10th percentile
13th percentile
92nd percentile
76th percentile
99th percentile
37Emirates Islamic Cashback Plus Credit CardTop 26%
79th percentile
61st percentile
51st percentile
39th percentile
80th percentile
52nd percentile
38th percentile
38ENBD Etihad Guest Visa Elevate Credit CardTop 26%
90th percentile
69th percentile
10th percentile
7th percentile
87th percentile
76th percentile
38th percentile
39ADCB Shukran Credit CardTop 27%
41st percentile
87th percentile
47th percentile
77th percentile
32nd percentile
68th percentile
38th percentile
40Emirates Islamic Etihad Guest Saqer Credit CardTop 28%
73rd percentile
57th percentile
24th percentile
39th percentile
83rd percentile
68th percentile
93rd percentile
41Marriott Bonvoy ADIB Visa Infinite CardTop 28%
29th percentile
79th percentile
4th percentile
77th percentile
72nd percentile
76th percentile
99th percentile
42Aafaq World Elite Credit CardTop 29%
87th percentile
51st percentile
73rd percentile
20th percentile
86th percentile
37th percentile
38th percentile
43Rakbank Elevate Credit CardTop 30%
89th percentile
34th percentile
69th percentile
3rd percentile
85th percentile
68th percentile
90th percentile
44UAB World Credit CardTop 30%
53rd percentile
92nd percentile
55th percentile
77th percentile
13th percentile
45th percentile
38th percentile
45Tamayaz Platinum Credit CardTop 31%
49th percentile
62nd percentile
84th percentile
77th percentile
54th percentile
45th percentile
38th percentile
46Mashreq Aura Credit CardTop 32%
46th percentile
58th percentile
91st percentile
77th percentile
46th percentile
37th percentile
83rd percentile
47ENBD Visa Infinite Credit CardTop 32%
97th percentile
50th percentile
10th percentile
7th percentile
97th percentile
86th percentile
38th percentile
48Mashreq Aura World Credit CardTop 33%
55th percentile
79th percentile
38th percentile
47th percentile
57th percentile
37th percentile
90th percentile
49ENBD Voyager World Elite Credit CardTop 34%
94th percentile
66th percentile
10th percentile
13th percentile
95th percentile
20th percentile
94th percentile
50Al Hilal Cashback Credit CardTop 35%
48th percentile
65th percentile
84th percentile
77th percentile
46th percentile
37th percentile
38th percentile
51ENBD U By Emaar Visa Infinite Emirati Credit CardTop 35%
95th percentile
42nd percentile
10th percentile
7th percentile
96th percentile
76th percentile
90th percentile
52FAB Travel Credit CardTop 36%
82nd percentile
86th percentile
17th percentile
20th percentile
73rd percentile
20th percentile
38th percentile
53Dubai First Cashback Credit CardTop 37%
44th percentile
92nd percentile
39th percentile
77th percentile
29th percentile
45th percentile
38th percentile
54ENBD Diners Club Credit CardTop 37%
84th percentile
53rd percentile
44th percentile
39th percentile
88th percentile
37th percentile
38th percentile
55ADIB Cashback Covered Credit CardTop 38%
41st percentile
85th percentile
58th percentile
77th percentile
13th percentile
59th percentile
38th percentile
56Tamayaz World Credit CardTop 39%
66th percentile
77th percentile
28th percentile
28th percentile
68th percentile
20th percentile
90th percentile
57Emirates Islamic RTA Credit CardTop 39%
38th percentile
74th percentile
95th percentile
77th percentile
13th percentile
37th percentile
38th percentile
58ENBD Darna Visa Infinite Credit CardTop 40%
91st percentile
49th percentile
10th percentile
7th percentile
92nd percentile
76th percentile
38th percentile
59FAB Islamic Cashback Credit CardTop 41%
42nd percentile
89th percentile
47th percentile
77th percentile
13th percentile
45th percentile
38th percentile
60DIB Consumer Cashback Platinum Credit CardTop 41%
61st percentile
84th percentile
49th percentile
28th percentile
13th percentile
59th percentile
38th percentile
61ENBD SHARE Infinite Credit CardTop 42%
92nd percentile
44th percentile
10th percentile
7th percentile
93rd percentile
81st percentile
38th percentile
62Ruya Mastercard Cashback Credit CardTop 43%
32nd percentile
53rd percentile
88th percentile
77th percentile
13th percentile
92nd percentile
38th percentile
63FAB SHARE Infinite Credit CardTop 43%
79th percentile
52nd percentile
19th percentile
13th percentile
78th percentile
81st percentile
38th percentile
64ENBD U By Emaar Infinite Credit CardTop 44%
94th percentile
42nd percentile
10th percentile
7th percentile
96th percentile
76th percentile
38th percentile
65Mashreq Aura World Elite Credit CardTop 45%
77th percentile
62nd percentile
15th percentile
13th percentile
74th percentile
37th percentile
98th percentile
66Mashreq Cashback Credit CardTop 45%
39th percentile
75th percentile
91st percentile
77th percentile
13th percentile
20th percentile
38th percentile
67ADCB LuLu Platinum Credit CardTop 46%
50th percentile
70th percentile
61st percentile
53rd percentile
54th percentile
20th percentile
38th percentile
68Ajman Bank ULTRACASH Credit CardTop 47%
47th percentile
82nd percentile
42nd percentile
47th percentile
38th percentile
37th percentile
38th percentile
69ENBD Lulu 247 Platinum Credit CardTop 47%
55th percentile
66th percentile
52nd percentile
39th percentile
46th percentile
45th percentile
38th percentile
70ADIB SHARE Infinite Credit CardTop 48%
23rd percentile
76th percentile
22nd percentile
77th percentile
36th percentile
81st percentile
38th percentile
71Liv Cashback+ Credit CardTop 49%
56th percentile
47th percentile
28th percentile
28th percentile
68th percentile
92nd percentile
38th percentile
72Liv Cashback Credit CardTop 49%
36th percentile
24th percentile
84th percentile
77th percentile
54th percentile
92nd percentile
38th percentile
73FAB Etihad Guest Infinite Credit CardTop 50%
65th percentile
45th percentile
2nd percentile
7th percentile
77th percentile
86th percentile
97th percentile
74CBD Super Saver Credit CardTop 51%
37th percentile
61st percentile
43rd percentile
77th percentile
46th percentile
52nd percentile
38th percentile
75The American Express Platinum Credit CardBottom 50%
60th percentile
11th percentile
93rd percentile
16th percentile
69th percentile
97th percentile
38th percentile
76ADCB 365 Cashback Credit CardBottom 49%
31st percentile
70th percentile
41st percentile
77th percentile
32nd percentile
52nd percentile
38th percentile
77Wio Credit CardBottom 49%
26th percentile
43rd percentile
100th percentile
57th percentile
13th percentile
91st percentile
38th percentile
78ENBD Dnata World Credit CardBottom 48%
77th percentile
33rd percentile
21st percentile
20th percentile
85th percentile
76th percentile
38th percentile
79ENBD U By Emaar Signature Credit CardBottom 47%
72nd percentile
46th percentile
52nd percentile
39th percentile
79th percentile
4th percentile
38th percentile
80Citi Premier Credit CardBottom 47%
86th percentile
29th percentile
26th percentile
28th percentile
90th percentile
45th percentile
38th percentile
81DIB Consumer Cashback Reward Credit CardBottom 46%
28th percentile
64th percentile
53rd percentile
77th percentile
13th percentile
59th percentile
38th percentile
82FAB Elite Credit CardBottom 45%
85th percentile
35th percentile
18th percentile
1st percentile
81st percentile
62nd percentile
38th percentile
83ENBD SHARE Signature Credit CardBottom 45%
51st percentile
39th percentile
84th percentile
39th percentile
58th percentile
20th percentile
38th percentile
84Al Masraf World Elite Credit CardBottom 44%
80th percentile
19th percentile
24th percentile
0th percentile
75th percentile
97th percentile
38th percentile
85Emirates Islamic Cashback Credit CardBottom 43%
28th percentile
68th percentile
48th percentile
77th percentile
13th percentile
37th percentile
38th percentile
86Citi Cashback Credit CardBottom 43%
40th percentile
36th percentile
89th percentile
53rd percentile
51st percentile
20th percentile
38th percentile
87ENBD Skywards Infinite Credit CardBottom 42%
92nd percentile
24th percentile
10th percentile
7th percentile
94th percentile
52nd percentile
38th percentile
88Rakbank Islamic World Credit CardBottom 41%
69th percentile
36th percentile
69th percentile
20th percentile
69th percentile
4th percentile
38th percentile
89Al Masraf Platinum Credit CardBottom 41%
27th percentile
19th percentile
53rd percentile
77th percentile
46th percentile
97th percentile
38th percentile
90CBD Visa Infinite Credit CardBottom 40%
36th percentile
30th percentile
93rd percentile
28th percentile
13th percentile
86th percentile
38th percentile
91FAB Blue Platinum Credit CardBottom 39%
34th percentile
64th percentile
65th percentile
53rd percentile
13th percentile
20th percentile
38th percentile
92ENBD Skywards Signature Credit CardBottom 39%
68th percentile
17th percentile
28th percentile
39th percentile
84th percentile
52nd percentile
38th percentile
93ADIB Emirates Skywards Visa Infinite Covered CardBottom 38%
1st percentile
56th percentile
1st percentile
77th percentile
64th percentile
76th percentile
38th percentile
94ENBD Darna Select Visa Credit CardBottom 37%
30th percentile
47th percentile
84th percentile
77th percentile
29th percentile
4th percentile
38th percentile
95FAB Blue Signature Credit CardBottom 37%
51st percentile
59th percentile
65th percentile
28th percentile
13th percentile
20th percentile
38th percentile
96FAB Emirati Islamic Credit CardBottom 36%
43rd percentile
45th percentile
31st percentile
28th percentile
41st percentile
68th percentile
38th percentile
97Al Masraf World Credit CardBottom 35%
43rd percentile
19th percentile
34th percentile
28th percentile
66th percentile
97th percentile
38th percentile
98Marriott Bonvoy ADIB Visa Signature CardBottom 35%
38th percentile
28th percentile
41st percentile
77th percentile
64th percentile
20th percentile
94th percentile
99ADIB SHARE Visa Platinum CardBottom 34%
30th percentile
38th percentile
75th percentile
77th percentile
36th percentile
20th percentile
38th percentile
100Mashreq Platinum Plus Credit CardBottom 33%
21st percentile
51st percentile
50th percentile
77th percentile
13th percentile
45th percentile
38th percentile
101Emirates Islamic Flex Credit CardBottom 32%
24th percentile
31st percentile
98th percentile
77th percentile
29th percentile
4th percentile
77th percentile
102Mashreq Solitaire Credit CardBottom 32%
96th percentile
19th percentile
15th percentile
13th percentile
98th percentile
4th percentile
38th percentile
103Emirates Islamic Skywards Signature Credit CardBottom 31%
67th percentile
21st percentile
32nd percentile
39th percentile
81st percentile
20th percentile
38th percentile
104HSBC Cash+ Credit CardBottom 30%
47th percentile
19th percentile
78th percentile
7th percentile
13th percentile
97th percentile
38th percentile
105ENBD U By Emaar Family Credit CardBottom 30%
25th percentile
41st percentile
84th percentile
77th percentile
29th percentile
4th percentile
38th percentile
106Citi Rewards Credit CardBottom 29%
35th percentile
12th percentile
89th percentile
53rd percentile
58th percentile
20th percentile
80th percentile
107ADCB TouchPoints Infinite Credit CardBottom 28%
57th percentile
11th percentile
19th percentile
13th percentile
78th percentile
68th percentile
92nd percentile
108FAB Blue Infinite Credit CardBottom 28%
72nd percentile
41st percentile
65th percentile
1st percentile
13th percentile
20th percentile
38th percentile
109ENBD Lulu 247 Titanium Credit CardBottom 27%
18th percentile
32nd percentile
84th percentile
77th percentile
13th percentile
37th percentile
38th percentile
110FAB Z Credit CardBottom 26%
14th percentile
3rd percentile
96th percentile
77th percentile
40th percentile
62nd percentile
38th percentile
111Emirates Islamic Skywards Black Credit CardBottom 26%
0th percentile
63rd percentile
0th percentile
39th percentile
41st percentile
68th percentile
38th percentile
112ENBD SHARE Platinum Credit CardBottom 25%
21st percentile
27th percentile
84th percentile
77th percentile
29th percentile
20th percentile
38th percentile
113HSBC Emirates Skywards Infinite Credit CardBottom 24%
76th percentile
25th percentile
3rd percentile
7th percentile
89th percentile
20th percentile
38th percentile
114Rakbank RED Credit CardBottom 24%
11th percentile
9th percentile
69th percentile
77th percentile
13th percentile
86th percentile
80th percentile
115ENBD Darna Visa Signature Credit CardBottom 23%
34th percentile
48th percentile
49th percentile
39th percentile
34th percentile
4th percentile
38th percentile
116ADCB Essential Cashback Credit CardBottom 22%
17th percentile
15th percentile
61st percentile
77th percentile
36th percentile
62nd percentile
38th percentile
117ADIB Emirates Skywards Visa Signature Covered CardBottom 22%
17th percentile
40th percentile
16th percentile
77th percentile
64th percentile
20th percentile
38th percentile
118Emirates Islamic Etihad Guest Platinum Credit CardBottom 21%
16th percentile
37th percentile
58th percentile
77th percentile
13th percentile
20th percentile
79th percentile
119FAB SHARE Signature Credit CardBottom 20%
22nd percentile
49th percentile
35th percentile
47th percentile
35th percentile
20th percentile
38th percentile
120FAB Etihad Guest Signature Credit CardBottom 20%
33rd percentile
38th percentile
6th percentile
28th percentile
63rd percentile
20th percentile
95th percentile
121FAB Du Titanium Credit CardBottom 19%
19th percentile
3rd percentile
65th percentile
77th percentile
46th percentile
62nd percentile
38th percentile
122FAB SHARE Platinum Credit CardBottom 18%
20th percentile
26th percentile
65th percentile
77th percentile
32nd percentile
20th percentile
38th percentile
123DIB Emirates Skywards Infinite Covered CardBottom 18%
58th percentile
23rd percentile
7th percentile
20th percentile
79th percentile
20th percentile
38th percentile
124FAB GEMS World Credit CardBottom 17%
26th percentile
34th percentile
40th percentile
53rd percentile
46th percentile
4th percentile
38th percentile
125FAB Rewards Active Credit CardBottom 16%
32nd percentile
7th percentile
45th percentile
77th percentile
60th percentile
20th percentile
38th percentile
126ADCB LuLu Titanium Credit CardBottom 15%
15th percentile
30th percentile
61st percentile
77th percentile
13th percentile
20th percentile
38th percentile
127FAB Rewards Indulge CardBottom 15%
24th percentile
8th percentile
65th percentile
77th percentile
46th percentile
20th percentile
38th percentile
128ENBD Mastercard Titanium Credit CardBottom 14%
7th percentile
14th percentile
44th percentile
77th percentile
13th percentile
86th percentile
38th percentile
129ADCB TouchPoints Platinum Credit CardBottom 13%
13th percentile
5th percentile
30th percentile
77th percentile
54th percentile
68th percentile
38th percentile
130ENBD Visa Flexi Credit CardBottom 13%
12th percentile
28th percentile
28th percentile
39th percentile
13th percentile
86th percentile
38th percentile
131DIB Emirates Skywards Signature Covered CardBottom 12%
45th percentile
13th percentile
26th percentile
28th percentile
71st percentile
20th percentile
38th percentile
132CBI Rewards Platinum Credit CardBottom 11%
8th percentile
4th percentile
61st percentile
53rd percentile
13th percentile
97th percentile
38th percentile
133Aafaq Platinum Credit CardBottom 11%
19th percentile
16th percentile
73rd percentile
53rd percentile
38th percentile
4th percentile
38th percentile
134ENBD Mastercard Platinum Credit CardBottom 10%
10th percentile
22nd percentile
28th percentile
39th percentile
13th percentile
86th percentile
38th percentile
135ENBD Dnata Platinum Credit CardBottom 9%
3rd percentile
13th percentile
37th percentile
77th percentile
13th percentile
76th percentile
38th percentile
136Emirates Islamic Skywards Infinite Credit CardBottom 9%
11th percentile
32nd percentile
5th percentile
39th percentile
61st percentile
20th percentile
38th percentile
137Deem Titanium MastercardBottom 8%
5th percentile
6th percentile
57th percentile
77th percentile
13th percentile
52nd percentile
38th percentile
138FAB Etihad Guest Platinum Credit CardBottom 7%
9th percentile
26th percentile
35th percentile
53rd percentile
13th percentile
20th percentile
81st percentile
139HSBC Emirates Skywards Signature Credit CardBottom 7%
15th percentile
17th percentile
20th percentile
47th percentile
59th percentile
20th percentile
38th percentile
140ENBD Go4it Platinum Credit CardBottom 6%
13th percentile
9th percentile
56th percentile
39th percentile
34th percentile
20th percentile
38th percentile
141CBI Rewards World Credit CardBottom 5%
6th percentile
10th percentile
23rd percentile
20th percentile
13th percentile
97th percentile
38th percentile
142Citi Simplicity Credit CardBottom 5%
4th percentile
1st percentile
93rd percentile
77th percentile
13th percentile
4th percentile
38th percentile
143ENBD Go4it Gold Credit CardBottom 4%
7th percentile
4th percentile
59th percentile
77th percentile
13th percentile
20th percentile
38th percentile
144ENBD Webshopper Credit CardBottom 3%
4th percentile
2nd percentile
67th percentile
77th percentile
13th percentile
20th percentile
38th percentile
145FAB ADNOC Rewards Credit CardBottom 3%
9th percentile
15th percentile
45th percentile
77th percentile
13th percentile
4th percentile
38th percentile
146DIB Emirates Skywards Platinum Covered CardBottom 2%
2nd percentile
7th percentile
36th percentile
47th percentile
13th percentile
20th percentile
38th percentile
147ADCB Islamic Emirati Credit CardBottom 1%
2nd percentile
1st percentile
21st percentile
53rd percentile
46th percentile
4th percentile
38th percentile

Excludes 12 non-credit products, 9 cards with no reward-calculation data, 0 with undisclosed/invitation-only pricing, 1 with an invitation-only salary requirement, and 1 tagged as an "Infinite Privilege"-tier product. FX cost is the bank's markup plus the card network's cross-border charge. 4 otherwise-eligible cards disclose no markup of their own and use the published 2.57% median; 65 do not publish the network charge and use the stated 1.15%.

Methodology

Kredit Market Position is a deterministic, disclosed comparison from a weighted blend of seven catalogue percentiles (net value, rewards value, cost & fees, perks & benefits, flexibility, accessibility, welcome bonus). It reports rank and percentile only; it does not label any card excellent, poor, or perfect. Read the full methodology. Cite as “Kredit Market Position” with this stable URL and the published last-updated date (2026-10-30). The dataset is available under CC BY 4.0 with attribution.