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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.

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Ziina Card
Joining Fee
Free
Annual Fee
Free
Minimum Salary
None
Prepaid card

Ziina Card

Ziina's virtual Visa stored-value card.

Updated Sep 2026

≈ AED 10,128 potential value / year · incl. perks · Violet tier
WebsiteVisit Ziina Card credit card website

At a glance

Fees and eligibility

Joining Fee
Free
Annual Fee
Free
Minimum SalaryNone
See all fees

Top benefits

Bundled subscriptions1/month
See all benefits

Rewards

CategoryRate
Ounass

Capped at AED 100 a month

100%
Washmen

Capped at AED 50 a month

100%
Yango
30%
CategoryRate
Ounass

Capped at AED 100 a month

100%
Washmen

Capped at AED 50 a month

100%
Yango
30%
See all rewards

Rewards

100AED

monthly cashback cap on Ounass

Violet returns 100% of eligible Ounass spend, up to AED 100 per billing cycle. Cashback lands in your Ziina Wallet after the qualifying purchases settle.

See full breakdown

50AED

monthly cashback cap on Washmen laundry

Violet returns 100% of eligible Washmen spend, up to AED 50 per billing cycle. Cashback lands in your Ziina Wallet after the qualifying purchases settle.

See full breakdown

30%

off Yango rides across the UAE

30% discount applied to Yango ride-hailing spend. Violet plan only.

See full breakdown

0%

FX fee on the first AED 20,000 of non-AED spend each month

No Ziina fee on up to AED 20,000 of non-AED spend monthly on Violet, or AED 3,000 on Lite. Spend above the plan allowance costs 0.5%; Visa's exchange rate applies throughout.

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

Documents ready

Emirates ID and identity documents

Have your Emirates ID and any identity documents requested by the provider ready. Identity verification and KYC checks still apply.

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

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 Gold

Free delivery and 10% credit back with Deliveroo Gold

Deliveroo Gold benefit for Violet members includes free delivery and 10% credit back, subject to partner terms in the Ziina app.

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.

Zero Currency Fees

No FX markup on up to AED 20,000/month of non-AED spend (Violet).

Violet includes AED 20,000/month of non-AED spend before Ziina's 0.5% excess fee; Lite includes AED 3,000/month. Visa's exchange rate applies throughout.

See full breakdown

Instant 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.

Fees

Free

Annual Fee

The card is free on the default Lite plan; Violet is an optional paid membership.

Free

Card Issuance and Activation

Free

Monthly Maintenance

No maintenance fee applies on the free Lite plan.

Violet Monthly PlanAED 100*

*Standard Violet billing. Switch to the annual plan below to save AED 204/year.

Violet Annual PlanAED 996*

*Pay yearly instead of monthly — works out to AED 83/month and saves AED 204 (~17%) vs the AED 1,200/year monthly billing.

Lite Plan FeeFree*

*Free — Ziina card and basic payments only. No cashback partners or bundled subscriptions.

Top-up — Bank Transfer0%
Top-up — Card2.625%*

*On the Violet plan the first AED 5,000 of card top-ups per billing cycle is charged at 1.05%, and the rest at this rate. Bank transfers are free on both plans.

Lite International Fee — Allowance0%*

*No Ziina fee on the first AED 3,000 of non-AED spend each month. Visa's exchange rate still applies.

Violet International Fee — Allowance0%*

*No Ziina fee on the first AED 20,000 of non-AED spend each month. Visa's exchange rate still applies.

International Fee — Excess0.5%*

*Applies only to non-AED spend above AED 3,000/month on Lite or AED 20,000/month on Violet. Visa's exchange rate still applies.

Important Stuff

Ziina Card Fees

Opens in a new tab

Ziina Paid Plan Terms

Opens in a new tab

Ziina Card Terms

Opens in a new tab

Key Facts Statement

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about Ziina Card credit card

Lite is the free Ziina tier with the digital Visa card and core payments. Violet (AED 100/month) adds 100% cashback on eligible Ounass and Washmen spend up to AED 100 and AED 50 per billing cycle, 30% off Yango rides, zero Ziina FX fees on up to AED 20,000/month, and bundled ClassPass, Yango Play, NordVPN, Deliveroo Gold and CAFU GO benefits.

No. Ziina is open to UAE residents with no salary transfer or minimum-income requirement.

Violet returns 100% of eligible Ounass spend up to AED 100 and Washmen spend up to AED 50 per billing cycle. Cashback accumulates from settled purchases and is credited to your Ziina Wallet on your billing date.

Benefits such as ClassPass, Yango Play, NordVPN, Deliveroo Gold and CAFU GO are available under the Violet plan. Their use, renewal and cancellation follow the partner terms shown in the Ziina app.

There's no annual fee — the card is free on the default Lite plan. If you upgrade to Violet, the standard rate is AED 100/month (AED 1,200/year), but switching to the annual plan costs AED 996/year, which works out to about AED 83/month and saves AED 204, roughly 17%, compared to paying monthly.

The current Violet page lists ClassPass credits, Yango Play, NordVPN Basic, Deliveroo Gold, CAFU GO, partner food and coworking benefits, and priority support. Each partner's redemption rules and availability are shown in the Ziina app.

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