ruya Debit Card

No for the free Standard current account. The optional Max plan is waived with a qualifying AED 20,000 salary transfer or AED 10,000 average balance.

No. The Standard debit card does not earn cashback or points.

Max costs AED 40 per month unless you transfer a salary of AED 20,000 or maintain an average balance of AED 10,000.

ruya's current fee schedule lists a 3% foreign exchange fee. Dynamic currency conversion or another operator's charge can apply separately.

The current schedule includes three free monthly withdrawals at other UAE banks' ATMs, after which each costs AED 2.10.

Yes. ruya presents the current account and debit card as Sharia-compliant products.