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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

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Tabby Card
Joining Fee
Free
Monthly Fee
AED 59
Buy now, pay later

Tabby Card

Shop anywhere Visa is accepted in the UAE with no down payment and up to 40 days to pay your statement in full without fees.

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

At a glance

Fees and eligibility

Joining FeeFree
Monthly Fee
AED 59
See all fees

Rewards

CategoryEarnRate
Grocery, Dining, Fuel
0.05 dirhams per AED
5%

0.05 dirhams per AED

CategoryEarnRate
Grocery, Dining, Fuel
0.05 dirhams per AED
5%

0.05 dirhams per AED

Total rewards capped at 200 dirhams a month

See all rewards

Top benefits

Optional Payment Plans
Tabby Plus Pay in 6
Up to 40 Days to Pay
Instant Virtual Card
See all benefits

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.

October 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

Optional Payment Plans

Split eligible purchases into monthly instalments after purchase.

Purchases over AED 50 can be split before the statement due date. Four payments are free at Tabby partner stores; outside the network, up to 12 instalments may carry a disclosed fee of up to 22%.

See full breakdown

Tabby Plus Pay in 6

Free Pay in 6 for eligible purchases below AED 2,000 with Tabby Plus.

Tabby Card: AED 50 minimum; Pay Later: AED 100. Existing plans need fewer than 6 instalments remaining. The benefit is shared. A new conversion is available after the prior one is repaid or refunded. Check availability in the app before subscribing.

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-only Visa card in the Tabby app and use it with a mobile wallet.

See full breakdown

Fees

Free

Joining Fee

59AED

Monthly Fee

Free plan available with no monthly fee.

0%

Full-payment fee

Rolling over an eligible statement balance may cost up to 12% of the amount rolled over.

200AED

Collection charge

Applied the day after the due date: up to AED 60 for overdue statements to AED 500, AED 100 for AED 501–2,000, or AED 200 above AED 2,000.

Important Stuff

Card Key Facts Statement

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Card Terms & Conditions

Opens in a new tab

General Terms & Conditions

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Privacy Policy

Opens in a new tab

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 virtual-only card. Add a UAE-issued debit or credit card as your payment method before spending.

The card is free to hold and can be used at Visa merchants in the UAE. A four-payment split is free at Tabby partner stores; charges may apply outside the network. Tabby Plus (AED 59/month) adds 5% cashback in 3 chosen categories, capped at AED 200 per month, and free Pay in 6 for eligible purchases.

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

The current KFS allows a collection charge the day after your due date: up to AED 60, AED 100, or AED 200 depending on your overdue statement amount. Repayments may be attempted on your linked payment method.

Your credit limit is set individually and shown in the Tabby app. The published daily purchase limit is AED 10,000 and the annual limit is AED 120,000.

Tabby reviews every account regularly and raises limits for eligible customers over time. Tabby's own guidance: use the Tabby Card more often, shop with Tabby at partner stores or use its other products, pay every instalment on time, and update your monthly income and spending when the app asks. Missed payments can lower the limit, and support cannot reverse a reduction on request. Full guide.

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.

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