Know exactly which card to use for every purchase

Every major UAE issuer in our reviewed catalogue — Emirates NBD, Liv, ADCB, Mashreq, ADIB, FAB, RAKBANK, HSBC, Citi, DIB, Emirates Islamic, CBD, Wio, Ruya, Al Hilal, Aafaq, Ajman Bank, Invest Bank. Browse the full catalogue or by issuer. A card you own that isn't in our catalogue is simply excluded from the cheat sheet and totals.

For each spend category, we route it to the owned card that rewards it best using the same engine as the Cashback Calculator. Rewards after annual fees are shown separately from included perk potential. Perk estimates use typical annual usage until you adjust them, and overlapping perks are counted once.

Signing in lets us save your wallet and spend profile so you don't re-enter them next time and keep the breakdown current as card terms change. It's free and one-tap via Google or UAE PASS.

Two different intents. My Cards (this page) optimises the cards you already own — which to swipe where, and what you might be leaving on the table. Card Picker recommends a new card to apply for, based on your spend and perk preferences, if you don't have a UAE card yet or want to add one.

No. My Cards only analyses cards you already hold using their published rewards terms — there's no credit check, application, or bank inquiry involved in generating the breakdown itself.

Yes. Once signed in, your wallet and spend profile are saved — come back anytime to edit either one, and your breakdown, perks, and offers recompute against the latest card data.

A single alternative can appear only after the owned-wallet analysis, when your saved salary meets the card's requirement and the rewards-after-fees improvement clears our value threshold. If salary is missing, we send you to Card Picker to check eligibility first.