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Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

Privacy PolicyTerms of Service
AboutBest credit cardsMy CardsOffersKredit PerksBanksLoyalty ProgramsCalculatorsAccountsPick me a cardKredit NearbyChatGPT AppNew to the UAESecure CollectContact us

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

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.

Kredit

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Ziina

A digital wallet for paying, getting paid and using the Ziina card.

OpenCompare wallets
Ziina product artwork

At a glance

Key facts

ProviderZiina
Provider licenceStored value facility
PlansLite · Violet
Monthly fee
Free – AED 100
See all fees and limits

Opening requirements

Emirates IDRequired
UAE residencyRequired

Fees and plans

Compare plan charges. Use the information icons for fee conditions and billing options.

Lite

Wallet maintenance
Free
Top up · Bank transfer
Free
Top up · Card
2.625%
Cash out · Bank transfer
Free
Local transfer · To wallet
Free
Card · Card issuance
Free
Card · Foreign currency
Free / 0.525%

Violet

Monthly membership
AED 100
Yearly membership
AED 996
Wallet maintenance
Free
Top up · Bank transfer
Free
Top up · Card
1.05% / 2.625%
Cash out · Bank transfer
Free
Local transfer · To wallet
Free
Card · Card issuance
Free
Card · Foreign currency
Free / 0.525%

Limits

Balance and transaction caps, with their time periods and conditions.

Lite

Maximum balance
AED 18,000
Cash out · Per transfer
AED 18,000
All money in · Monthly
AED 50,000
All money out · Monthly
AED 25,000

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.

Violet 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

Violet benefits & digital card

Partner cashback and bundled subscriptions require Violet. The digital card is also available on Lite.

ClassPass

15 ClassPass credits every month

Book studios, gyms and wellness sessions across the UAE

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.

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.

Important stuff

Ziina Card fee explainer

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Ziina Card Terms

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Ziina Card Fees

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Key Facts Statement

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Ziina Paid Plan Terms

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Frequently asked questions

Opening, fees and everyday use of Ziina.

Select Open to continue to Ziina. Check the opening requirements above before registering with the provider.

The fees and limits sections list funding, withdrawal, local-transfer and card charges. Paid-plan fees appear separately, and provider documents are linked in Important stuff.

Free means the provider lists no charge for that specific service. It does not mean every service in the app is free.

Each plan has its own fee table above. Membership charges are separate from transaction charges. Where annual billing is available, it appears as an alternative to monthly membership.

The limits section lists the amount, time period and conditions for each published limit. Daily, monthly and per-transfer caps are different limits.

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.

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.

Get notified about UAE latest credit card products

Get notified about UAE latest credit card products