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.
Sav Prepaid Card
Reloadable Visa prepaid card with 5% cashback on every spend — no credit check, no minimum salary required. Funded entirely by your own top-ups, so there's no credit check or salary requirement. Standard is free for life: 5% cashback up to AED 50/month once you spend AED 500/month. Pro (AED 99/month) raises the cap to AED 500/month once you spend AED 1,000/month, plus more free ATM withdrawals and a lower FX rate.
Updated Aug 2026
≈ AED 6,000 potential value / year · Pro tier
Rewards
5%
cashback on every purchase, Standard plan
Earn 5% cashback on all Sav Card spend once you spend AED 500 in a calendar month, capped at AED 50 cashback that month. Standard plan is free for life. Referral and PayDay cashback don't count toward this cap.
See full breakdown5%
cashback on every purchase, up to AED 500/month, Pro plan
Pro (AED 99/month) needs AED 1,000/month spend to qualify and raises the monthly cashback cap to AED 500. Referral and PayDay cashback don't count toward this cap; cashback is discretionary.
See full breakdownRewards Calculator
Eligibility
18
Minimum Age
UAE Residency & Emirates ID
UAE residents aged 18+ only. Valid Emirates ID and KYC/AML screening required; card validity is 3 years.
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August 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.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Additional Benefits
MyMoney Spend Analytics
MyMoney AI-powered spend analytics
In-app spend tracking and insights. Standard links your bank accounts; Pro adds credit-card linking too.
See full breakdownReferral Rewards
Earn rewards for every friend you refer
Referral Rewards are available on both Standard and Pro plans; terms and payout amounts are set in-app.
See full breakdownRestaurant Buy-1-Get-1
Buy-1-Get-1 at 200+ restaurants
Buy-one-get-one offers at over 200 partner restaurants, available on both Standard and Pro plans.
See full breakdownPartner Salon Discounts
Up to 50% off at partner salons
Discounts of up to 50% at participating partner salons, available on both Standard and Pro plans.
See full breakdownGift Card Cashback
Cashback on gift card purchases
Earn cashback when you buy gift cards in the app, available on both Standard and Pro plans.
See full breakdownPayDay Rewards
PayDay Rewards worth up to AED 1,500/month (Pro only)
Pro-plan-only monthly rewards Sav advertises as worth up to AED 1,500; not available on the Standard plan.
See full breakdownTop-up Scratch Card
Scratch card on every top-up
A scratch card reward on every top-up you make, available on both Standard and Pro plans.
See full breakdownFees
Free
Annual Fee
No annual fee ever. The optional Pro plan is a AED 99/month subscription that raises your cashback cap, not a card fee.
31.5AED
Physical Card
One-time fee to issue a physical card; the same AED 31.50 applies to a lost or damaged card replacement. Virtual card is free.
99AED
Pro Subscription
Optional AED 99/month incl. VAT. Raises the qualifying spend to AED 1,000/month and the cashback cap to AED 500/month.
Top-up FeeAED 1*
*AED 1 per in-app bank transfer top-up; other load methods may carry additional pass-through fees from your bank.
FX Fee (Standard)2.8%*
*Applies to FX/international transactions on the Standard plan; Pro reduces this to 2.3%. Dynamic currency conversion, where used, is passed through separately.
FX Fee (Pro)2.3%*
*Reduced FX rate on the Pro plan (Standard is 2.8%). Dynamic currency conversion, where used, is passed through separately.
Mashreq ATMAED 2.1*
*AED 2.1 per withdrawal; Standard gets 1 free withdrawal/month, Pro gets 5 free withdrawals/month at Mashreq ATMs in the UAE.
Non-Mashreq ATMAED 2.1*
*AED 2.1 per withdrawal. Per the KFS, Pro includes 2 free withdrawals/month at non-Mashreq UAE ATMs; Standard has none free.
GCC ATMAED 11*
*AED 11 per withdrawal at GCC ATMs outside the UAE, with no free allowance on either plan.
International ATMAED 21*
*AED 21 per withdrawal outside the UAE and GCC, with no free allowance on either plan. ATM operator surcharges may apply on top.
Frequently Asked Questions
Get answers to common questions about Sav Prepaid Card credit card
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