Wio Credit Card

There is no annual fee. There is a monthly fee of AED 49, which is waived when you maintain AED 35,000 or more across all your Wio accounts (main account, savings, and investments combined).

The card earns 2% on most eligible purchases and 0.5% on government, real estate and utility payments. Other-bank card bills can earn 0.5% after AED 5,000 of eligible monthly retail spend. Total Wio cashback is capped at AED 2,500 per month; the bill-payment reward has a separate cap of 0.5% of your credit limit.

Plus, Salary and Family customers can unlock one complimentary Dubai, Abu Dhabi or UAE Mixed pack in the Wio app. Each 12-month pack includes 200 merchants with up to three offers each. An eligible Wio card purchase in the prior 90 days is required; up to two extra packs cost AED 49 each.

The minimum monthly salary requirement is AED 7,000. You must also be at least 21 years old and hold a valid UAE residency.

You need a minimum monthly salary of AED 7,000, be at least 21 years old, and have a valid Emirates ID. The entire application is done through the Wio app — no branch visit is required.

Yes, a 2% foreign currency transaction fee applies — below the UAE standard of 2.99%. The card is accepted internationally wherever Mastercard is accepted.