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).
Wio Credit Card
Earn 2% cashback on all credit card spends with Wio — up to AED 2,500 monthly — plus 10% on Kibsons grocery orders (limited offer through 30 June 2026) and 0.5% on other credit card bills paid through Wio. Create customizable virtual cards for secure online shopping and easy spend management.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Wio Credit Card expects AED 5,000+ monthly income.
Documents ready
Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Rewards
2%
on credit card spends.
Total cashback up to AED 2,500 or 1% of credit limit per month, whichever is lower.
0.5%
on other credit card bills.
Cashback on payments toward credit cards from other banks via Wio. Total cashback up to AED 2,500 or 0.5% of credit limit per month, whichever is lower.
10%
cashback on Kibsons grocery orders.
Limited time · valid till 30 Jun 2026Rewards Calculator
July Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
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 SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
Eligibility
21
Minimum Age
5,000AED
Minimum Income
Fees
26.25AED
Card Replacement Fee
3.25%
Monthly Interest Rate
199AED
Late Payment Fee
Easy Cash Fee0.1%
Virtual Card FeeFree
Foreign Currency Transaction Fee2%
Frequently Asked Questions
Get answers to common questions about Wio Credit Card credit card
Similar cards
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Salary: AED 5,000+
Free for life
Up to 2% Cashback on all spends
Instant redemption as Cashback or Miles
2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
Salary: AED 15,000+
Annual Fee: AED 735
Up to 4% Cashback on all spends
Instant redemption as Cashback or Miles
3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
INVEST BANK
Invest Bank World Credit Card
Salary: AED 25,000+
Annual Fee: AED 1,575
Flat 3% cashback on all spends (up to AED 1,500/month)
Complimentary Airport Transfers with Careem
Complimentary 1 GB of data roaming with Flexiroam once a year
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
Salary: AED 8,000+
Annual Fee: AED 383.25
6% cashback on dining (including online food orders)
5% cashback on groceries
3% cashback on utilities, telecom, fuel and Salik
MASHREQ BANK
Mashreq Cashback Credit Card
Salary: AED 5,000+
No Annual Fee
AED 500 Welcome Bonus
Unlimited 5% Cashback on dining.
1% Cashback on international spends (non-dining)
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the First Year
10% Cashback on online and digital wallet spends
2% Cashback on international spends
1% Cashback on domestic retail spends
Related Articles
Related Collections
Collections
Best credit cards
Collections
Best travel cards
Collections
Best grocery cards
Collections
Best beginner cards
Collections
Best cashback cards
Collections
No annual fee cards
Collections
Best online shopping cards
Collections
AED 5,000 salary cards
Collections
AED 8,000 salary cards
Collections
AED 10,000 salary cards
Collections
Fuel cashback cards
Collections
Noon credit cards
Collections
Amazon credit cards
Collections
Best Carrefour credit cards
Collections
Best Kibsons credit cards
Collections
Best Namshi credit cards
Collections
Best Ounass credit cards
Collections
Best Sharaf DG credit cards
Collections
Best Mumzworld credit cards
Collections
Best Desertcart credit cards
Collections
Best 6th Street credit cards
Collections
Best Careem credit cards
Collections
Best Spinneys credit cards
Collections
Best Choithrams credit cards
Collections
Best Nesto Hypermarket credit cards
Collections
Best Al Maya credit cards
Collections
Best Apple Store credit cards
Collections
Best Jumbo Electronics credit cards
Collections
Best ADNOC credit cards
Collections
Best ENOC credit cards
Collections
Best pharmacy credit cards
Collections
Best Aster Pharmacy credit cards
Collections
Best Life Pharmacy credit cards
Collections
Best cosmetics credit cards
Collections
Best Sephora credit cards
Collections
Best fashion credit cards
Collections
Best Zara credit cards
Collections
Best H&M credit cards
Collections
Best Centrepoint credit cards
Collections
Best coffee shop credit cards
Collections
Best Tim Hortons credit cards
Collections
Best Starbucks credit cards