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AboutBest credit cardsMy CardsOffersKredit PerksBanksLoyalty ProgramsCalculatorsAccountsPick me a cardChatGPT AppNew to the UAESecure CollectContact us

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

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Tabby Card
Joining Fee
Free
Monthly Fee
AED 49
Buy now, pay later

Tabby Card

Shop anywhere Visa is accepted in the UAE and split every purchase into 4 interest-free payments with Tabby.

≈ AED 2,400 potential value / year
WebsiteVisit Tabby Card credit card website

Rewards

5%

cashback on 3 selected spending categories.

Pick your top 3 spending categories each month from the list Tabby offers in-app (rotating options such as travel, taxis, pharmacies, groceries, dining and more). Requires Tabby+ subscription. Monthly cashback cap of AED 200.

See full breakdown

Rewards Calculator

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.

Find my match

Eligibility

18

Minimum Age

Debit or Credit Card

Linked for payments

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.

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.

See all
ENBD noon One Visa Credit Card Design
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
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
EXCLUSIVE OFFER
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
ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design
EXCLUSIVE OFFER

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
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Additional Benefits

Pay in 4

Split every purchase into 4 equal interest-free installments over 3 months.

25% is charged upfront, with the remaining 3 payments auto-debited from your linked card every 2 weeks. No interest is charged.

See full breakdown

Up to 40 Days to Pay

Option to skip down payments with up to 40 days before your first payment is due.

See full breakdown

Instant Virtual Card

Get a virtual Visa card instantly in the Tabby app. Physical card ships in 7–10 business days.

See full breakdown

Fees

Free

Joining Fee

49AED

Monthly Fee

Free plan available with no monthly fee.

0%

Interest Rate

All purchases are interest-free.

Late Fee (1st)AED 15*

*AED 15 after 15 days, AED 30 after 29 days, AED 60 after 43 days. Maximum total: AED 105 per missed payment.

Important Stuff

Card Key Facts Statement

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Card Terms & Conditions

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General Terms & Conditions

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Privacy Policy

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Cashback Merchant Category Codes

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Frequently Asked Questions

Get answers to common questions about Tabby Card credit card

Download the Tabby app, sign up with your Emirates ID, and apply for the card. A virtual card is issued instantly, and the physical Visa card arrives in 7–10 business days.

The Free plan lets you use the card at Tabby partner merchants with no fees. Tabby Plus (AED 49/month) unlocks universal Visa acceptance and 5% back as Tabby balance in 3 chosen categories, capped at AED 200 per month.

No, the Tabby Card is currently available for UAE purchases only and cannot be used for international transactions.

Late fees apply: AED 15 after 15 days, AED 30 after 29 days, and AED 60 after 43 days (maximum AED 105 total). Your card will be paused until the overdue balance is cleared.

The interest-free spending limit is up to AED 10,000, with a daily limit of AED 10,000 and an annual limit of AED 120,000. Limits increase automatically with responsible usage.

No, there is no minimum salary requirement. Tabby does not require salary slips or bank statements. Eligibility is determined by your Tabby account history and internal assessment.

Similar cards

Tabby Cash Card Design
PREPAID

TABBY

Tabby Cash Card

  • 3 categories, re-picked monthly
  • 3% on your picked categories
  • Earns on international spend
  • Free virtual Visa card
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WIO BANK

Wio Credit Card

  • Salary: AED 5,000+
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  • Up to AED 2,500/month
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LIV DIGITAL BANK BY EMIRATES NBD

Liv Cashback Credit Card

  • Salary: AED 5,000+
  • Free for life
  • Up to 2% Cashback on all spends
  • Cashback or Skywards Miles
  • 2 VOX B1G1 offers + 25% off F&B from AED 40
ExploreLearn more about Liv Cashback Credit Card credit card benefits and features
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FIRST ABU DHABI BANK (FAB)

FAB Z Credit Card

  • Salary: AED 5,000+
  • No Annual Fee for the first year
  • Free Careem Plus & Noon One for 1 year
  • 20% off on monthly subscriptions to Netflix, PlayStation, YouTube, Spotify and more
  • No FX fees abroad
ExploreLearn more about FAB Z Credit Card credit card benefits and features

Other credit cards from this bank

Tabby Cash Card Design
PREPAID

TABBY

Tabby Cash Card

  • 3 categories, re-picked monthly
  • 3% on your picked categories
  • Earns on international spend
  • Free virtual Visa card
  • Cashback you can spend anywhere
ExploreLearn more about Tabby Cash Card credit card benefits and featuresApplyApply for Tabby Cash Card credit card

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