Which card or membership to use, every time

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. Memberships include Marriott Bonvoy, ALL Accor, U by Emaar and Privilee. 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.

No. See your full breakdown without an account. Sign in with Google or UAE PASS only when you want to save your cards, memberships and spend profile for future visits.

Two different intents. My Wallet (this page) optimises the cards and memberships you already hold — which to use 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 Wallet only analyses cards and memberships 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 cards, memberships 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.