Lite is the free Ziina tier with the digital Visa card and core payments. Violet (AED 100/month) adds AED 100 monthly cashback on Ounass, AED 50 monthly back on Washmen laundry, 30% off Yango rides, zero FX on up to AED 20,000/month, and bundled ClassPass, Yango Play, NordVPN, Deliveroo Silver and CAFU GO subscriptions.
Ziina Card
Ziina's digital Visa debit card. The free Lite plan covers everyday payments; the AED 100/month Violet plan adds fixed monthly cashback on Ounass and Washmen, 30% off Yango rides, zero FX on up to AED 20,000/month, and bundled ClassPass, Yango Play, NordVPN, Deliveroo Silver and CAFU GO subscriptions.
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 a stable monthly salary
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Ziina Card expects a stable monthly salary monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
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
100AED
monthly cashback on Ounass
Fixed AED 100 statement credit each month when you spend on Ounass. Violet plan only.
See full breakdown50AED
monthly back on Washmen laundry
Fixed AED 50 statement credit each month when you use Washmen. Violet plan only.
See full breakdown30%
off Yango rides across the UAE
30% discount applied to Yango ride-hailing spend. Violet plan only.
See full breakdown0%
FX fee on the first AED 20,000 of non-AED spend each month
Zero currency conversion fee up to AED 20,000 monthly on the Violet plan. Standard Visa rates apply beyond the cap. Lite plan uses standard Visa FX rates.
See full breakdownRewards Calculator
July Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Additional Benefits
ClassPass
15 ClassPass credits every month
Book studios, gyms and wellness sessions across the UAE. ClassPass 15-credit plan retails around AED 199/month.
Yango Play
Free Yango Play streaming subscription
Free Yango Play subscription for the duration of the Violet plan.
NordVPN
Free NordVPN Basic subscription
Free NordVPN Basic subscription for the duration of the Violet plan.
Deliveroo Silver
Free delivery with Deliveroo Plus Silver
Free delivery on Deliveroo orders via Deliveroo Plus Silver tier.
CAFU GO
Free fuel delivery with CAFU GO
Free fuel delivery via CAFU GO subscription for the duration of the Violet plan.
Bateel El'an
4 free coffees every month
Four complimentary coffees per month redeemable at Bateel El'an outlets.
SALT
1 free softie or fries each month
Bake My Day
A box of 4 cookies every month
Letswork
10 free Letswork credits every month
Use credits to access co-working spaces across the UAE.
Airport Lounge Access
Visa Premium Access lounge programme for Ziina cardholders.
Discounted or complimentary visits at participating lounges via the Visa Premium Access programme. Network coverage and per-visit fees are set by Visa and may change; check the latest list inside the Ziina app before travelling.
Visa Travel Insurance
Standard Visa Platinum travel and emergency medical coverage.
Visa Platinum travel insurance covers trip cancellation, delay, lost luggage and emergency medical expenses on flights and hotels paid with the Ziina card. Coverage limits follow the Visa Platinum global benefit schedule.
Purchase Protection
Visa purchase protection on eligible items.
Coverage against accidental damage or theft on items bought with the Ziina card, subject to Visa Platinum scheme terms.
Visa Premium Concierge
24/7 Visa concierge for travel, dining and lifestyle requests.
Access to Visa Premium Services concierge for cardholders — travel bookings, restaurant reservations and lifestyle assistance.
Zero Currency Fees
No FX markup on up to AED 20,000/month of non-AED spend (Violet).
Spend in any currency without conversion fees up to AED 20,000 per month on the Violet plan — useful for travel and overseas online purchases. Standard Visa FX rates apply beyond the cap and on the Lite plan.
See full breakdownInstant Digital Card
Card issued instantly inside the Ziina app for Apple Pay and online payments.
Activate the digital Visa card seconds after sign-up — no waiting for a physical card to start spending.
Eligibility
18
Minimum Age
Fees
100AED
Violet (monthly)
Standard Violet billing. Switch to the annual plan below to save AED 204/year.
996AED
Violet (annual)
Pay yearly instead of monthly — works out to AED 83/month and saves AED 204 (~17%) vs the AED 1,200/year monthly billing.
Free
Lite Plan
Free — Ziina card and basic payments only. No cashback partners or bundled subscriptions.
FX Fee (Violet)0%*
*Zero FX on the first AED 20,000 of non-AED spend per month on the Violet plan. Standard Visa scheme rates apply beyond the cap.
Frequently Asked Questions
Get answers to common questions about Ziina Card credit card
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