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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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Kredit data · 2026

UAE Credit Card Market Rankings

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

Excludes 10 non-credit products, 7 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 2.54% median; 64 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 (2026-09-06). The dataset is available under CC BY 4.0 with attribution.