Sav Prepaid Card

The Sav Card is a Visa prepaid card, not a credit card. It's funded entirely by your own top-ups, so there's no credit extended, no minimum salary requirement, and no AECB credit check — only UAE residency, age 18+, a valid Emirates ID and KYC/AML screening are required.

Both plans earn 5% cashback after AED 500/month of qualifying spend. Standard is free and caps cashback at AED 50 total per month; Pro costs AED 99/month and raises the total cap to AED 500. Both cap each category at AED 200. Wallet loads, financial transfers, rent and other listed categories are excluded.

Standard is free for life: 5% cashback capped at AED 50/month, plus 1 free Mashreq ATM withdrawal/month. Pro costs AED 99/month: the cashback cap rises to AED 500/month, you get 5 free Mashreq ATM withdrawals/month plus 2 free non-Mashreq UAE withdrawals, a lower 2.3% FX rate, and Pro-only PayDay Rewards.

Domestic AED transactions, contactless payments, balance inquiries and card-to-card transfers are free. A physical card costs AED 31.50 on Standard and the first is free on Pro; replacement costs AED 31.50 on either plan. Top-ups cost AED 1 via in-app bank transfer, international transactions cost 2.3%-2.8% depending on plan, and ATM withdrawals range from AED 2.1 (UAE) to AED 21 (outside the UAE/GCC).

Beyond cashback, the app gives you MyMoney spend analytics (Standard links your bank accounts, Pro adds credit-card linking too), Referral Rewards for every friend you refer, buy-1-get-1 deals at 200+ partner restaurants, up to 50% off at partner salons, cashback on in-app gift card purchases, and a scratch card reward on every top-up. Pro members also get PayDay Rewards, advertised as worth up to AED 1,500/month.

The Sav Card is valid for 3 years from issuance. To get one, you need to be a UAE resident aged 18 or older, with a valid Emirates ID, passing KYC/AML screening.