- Joining Fee
- Free
- Annual Fee
- Free
- Minimum Salary
- None
ruya Debit Card
A Sharia-compliant Mastercard debit card linked to ruya's current account.
Updated Aug 2026
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.
Eligibility
18
Minimum Age
UAE resident
Valid UAE PASS and Emirates ID are required.
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.
September 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.
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
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
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
Additional Benefits
Free Standard Account
No monthly fee, minimum salary or minimum balance
Eligible UAE residents can open the Standard current account digitally using UAE PASS and a valid Emirates ID.
See full breakdownThree Free UAE ATM Withdrawals
Three free monthly withdrawals at other UAE banks' ATMs
Further non-ruya UAE ATM withdrawals cost AED 2.10 each under the current schedule.
See full breakdownFees
Free
Annual Fee
Free
Standard Plan Fee
40AED
Max Plan Fee
Waived with salary transfer of AED 20,000 or average balance of AED 10,000.
First Card IssuanceFree
Card ReplacementAED 26.25*
*Card replacement is free on the Max plan.
International Fee — non-AED3%*
*Added to the Mastercard exchange rate.
AED-Abroad Transaction Fee3%
ruya ATM WithdrawalFree
Other UAE ATM WithdrawalAED 2.1*
*The first three withdrawals each month are free; the fee applies from the fourth withdrawal.
ATM Balance EnquiryAED 1.05
ATM Declined TransactionAED 1.05
Sales Slip RetrievalAED 26.25
Additional Group CardAED 26.25
Downgrade Card IssuanceAED 26.25
Early Account ClosureAED 105*
*Applies when the account is closed within six months of opening.
Frequently Asked Questions
Get answers to common questions about ruya Debit Card credit card
Similar cards
SINDER
Sinder Founder Card
- No annual fee
- Digital onboarding
- 0% FX markup up to AED 40,000/month
- International ATM fee capped at AED 25
- Airport lounge access
WIO BANK
Wio Debit Card
- Up to 1% debit cashback
- Seven spending currencies
- No Wio FX fee with matching balance
- Free FAB ATM withdrawals
- Debit and credit toggle
LIV DIGITAL BANK BY EMIRATES NBD
Liv Debit Card
- Free with the account
- No annual fee
- Free ENBD ATM withdrawals
- Instant digital issuance
Other credit cards from this bank
RUYA COMMUNITY ISLAMIC BANK
Ruya Mastercard Cashback Credit Card
- Salary: AED 5,000+
- Waived Annual Fee for the first year
- 2% cashback on eligible purchases (up to AED 500/month)
- Fully digital onboarding
- Shari’ah-compliant
Related Collections
