Know which credit card to use before you tap.
Find a UAE merchant, check its MCC evidence, and compare the reward from your saved cards or every card Kredit compares.
The same purchase, four different answers
These are real UAE outlets with a confirmed merchant category code. Pick one to see the code, the evidence behind it, and the card Kredit recommends.
Carrefour
Dubai
Merchant category code
VerifiedMCC 5411 · Grocery Stores, Supermarkets
Kredit reads this as grocery spending.
Evidence
Confirmed from repeated payments at this outlet.
Card to use here
FAB SHARE Infinite Credit Card
First Abu Dhabi Bank (FAB)
8.00%reward rate
Includes this card's Carrefour rate.
Capped at 100,000 points / month.
Also compared
ENBD SHARE Signature Credit Card · 6.00%
Strongest modelled value among eligible cards with no annual fee at the assumed spend.
ADIB SHARE Infinite Credit Card · 6.00%
Strongest modelled value without a reward cap in the applicable earning rule.
Modelled on AED 5,000 monthly spend. Your own cards change the answer.
Tim Hortons
Dubai
Merchant category code
VerifiedMCC 5814 · Fast Food Restaurants
Kredit reads this as fast food spending.
Evidence
Confirmed from repeated payments at this outlet.
Card to use here
ADCB 365 Cashback Credit Card
Abu Dhabi Commercial Bank (ADCB)
Up to 6.00%reward rate
Capped at AED 1,000 / month.
Also compared
Mashreq Cashback Credit Card · 5.00%
Strongest modelled value among eligible cards with no annual fee at the assumed spend.
Modelled on AED 5,000 monthly spend. Your own cards change the answer.
ADNOC
Ajman
Merchant category code
VerifiedMCC 5541 · Service Stations ( with or without ancillary services)
Kredit reads this as fuel spending.
Evidence
Confirmed from repeated payments at this outlet.
Card to use here
UAB Platinum Credit Card
United Arab Bank (UAB)
Up to 5.00%reward rate
Capped at AED 500 / month.
Also compared
Mashreq Platinum Plus Credit Card · 3.47%
Strongest modelled value without a reward cap in the applicable earning rule.
Modelled on AED 5,000 monthly spend. Your own cards change the answer.
Apple
Dubai
Merchant category code
VerifiedMCC 5732 · Electronic Sales
Kredit reads this as electronics spending.
Evidence
Confirmed from repeated payments at this outlet.
Card to use here
ENBD Duo Credit Card
Emirates NBD
Up to 5.00%reward rate
Capped at AED 500 / month.
Also compared
Emirates Islamic Emarati Credit Card · 2.50%
Strongest modelled value among eligible cards with no annual fee at the assumed spend.
Modelled on AED 5,000 monthly spend. Your own cards change the answer.
Merchant evidence, not a category guess
Kredit keeps merchant identity, outlet location, MCC evidence, card rewards, and merchant offers as separate layers, so one can be corrected without touching the others.
The map
Use your location or search by merchant name, then confirm the exact outlet before Kredit makes a recommendation.
MCC confidence
See whether an outlet's MCC is confirmed from repeated payments, seen on limited evidence, or based on the merchant type.
The card to use
Choose from cards saved in your Kredit wallet first, or from every card Kredit compares when your wallet is empty.
How Kredit Nearby works
- 01
Find the outlet
Use your location or search for the merchant by name.
- 02
Confirm the merchant
Choose the exact outlet before Kredit calculates the result.
- 03
Pay with confidence
Compare the MCC, card reward, safer option, and any linked offers.
Merchant MCC questions
What the code means, why it varies by outlet, and how location is handled.