Foreign-currency purchases are converted at the Mastercard Exchange Rate with no Sinder FX markup on the first AED 40,000 of worldwide foreign-currency spend in each calendar month. Above that allowance, only the excess is marked up by 0.5% on weekdays or 1.5% on weekends.
Sinder Founder Card
A UAE-issued Mastercard Platinum Debit card by ruya with 0% Sinder FX markup on up to AED 40,000 of foreign-currency spend monthly.
Updated Aug 2026
Eligibility
18
Minimum Age
UAE residents
Available to eligible UAE residents who complete onboarding and verification through the Sinder app.
UAE PASS required
UAE PASS and the identity information requested during onboarding 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.
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
0% Sinder FX markup
0% markup on the Mastercard Exchange Rate within AED 40,000 of worldwide foreign-currency spend each month.
The allowance resets each calendar month. Only spend above AED 40,000 receives the excess markup: 0.5% on weekdays and 1.5% on weekends. Dynamic currency conversion and other third-party charges are separate.
See full breakdownMastercard Travel Pass
Airport lounge access may be available through Mastercard Travel Pass by DragonPass.
Access applies only when shown as eligible for the card tier in the Sinder app. Visit and guest limits, possible fees, participating lounges and entry remain subject to Mastercard Travel Pass, DragonPass and other applicable partner terms.
See full breakdownApp-based onboarding
Apply through the Sinder app on iOS or Android and receive a virtual card after approval.
Applicants complete UAE PASS, identity and issuer checks in the Sinder app. Card issuance and virtual-card availability remain subject to successful verification and approval.
See full breakdownFees
Free
Joining Fee
Free
Annual Fee
Founder Card members keep the plan's AED 0 annual fee, AED 0 monthly subscription and AED 0 minimum balance for life.
Free
Monthly Subscription
FX Markup Within Allowance0%*
*0% Sinder markup on the Mastercard Exchange Rate for the first AED 40,000 of worldwide foreign-currency spend per calendar month.
Weekday Excess FX Markup0.5%*
*Applied only to the portion of weekday foreign-currency spend above the AED 40,000 monthly allowance.
Weekend Excess FX Markup1.5%*
*Applied only to the portion of weekend foreign-currency spend above the AED 40,000 monthly allowance.
International ATM Withdrawal1%*
*1% of the withdrawal amount, capped at AED 25 per withdrawal. Any fee charged by the local ATM operator applies separately.
Replacement or Additional CardAED 26.25*
*ruya's debit-card schedule lists AED 26.25 for a replacement card and AED 26.25 for adding a member to a group account.
Frequently Asked Questions
Get answers to common questions about Sinder Founder Card credit card
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