Wio Personal Salary Plan
3.25% p.a. on flexible Saving Spaces
Published salary minimum: AED 15,000
Account source reviewed 2026-10-18.
Wio UAE Credit Cards and Bank Accounts
Explore 1 current card products and 2 accounts in our source-reviewed catalogue. Issuer approval, relationship requirements and current campaign terms apply. No bank pays for its position here.
Wio accounts and salary options
One-month Fixed Saving Space
Up to 6% p.a. for a one-month term
Published salary minimum: AED 15,000
Account source reviewed 2026-10-18.
All values in AED No paid rankings Conventional & Islamic Terms snapshot 18 Oct · catalogue reviewed 19 Oct 2026
THE UAE REWARDS DIRECTORY
UAE Credit Card Comparison
47 current cards · 13 banksSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.
Conventional banking
WioDIGITAL & SIMPLE
Wio Credit
Dirham Score 2.9/590% data coverage · editorial methodHow this score works
- + Wio Credit rewards
- + Published salary criteria
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Perk activation and qualifying conditions apply
Annual fee AED 0
Unsecured Wio Credit: AED 7,000 monthly salary, age 21–65, UAE residence and employment, and at least three months employment per August 2026 KFS. Credit approval is separate. The estimate assumes the Plus plan at AED 49/month; balance and Salary-plan waivers are not assumed.
ESTIMATED FIRST-YEAR VALUE
AED 1,632
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 2,220
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Joining / plan fees− AED 588
Actual modelled netAED 1,632
Assumes the eligible Plus plan at AED 49/month. No deduction is made for My Money cashback already using the shared monthly cap. Salary or balance fee waivers, actual plan, merchant classification and approved limits can change the result.
Calculation assumptionsRewards, fees & important conditions
Read the full Wio Credit review and fee maths
No cinema benefit verified. · No complimentary access verified
Monthly interest rate: Confirm with bank. Bank FX charge: Confirm with bank.
Assumes the eligible Plus plan at AED 49/month. No deduction is made for My Money cashback already using the shared monthly cap. Salary or balance fee waivers, actual plan, merchant classification and approved limits can change the result.
The unsecured card minimum salary is AED 7,000. Salary-plan account eligibility is separate: generally AED 15,000, or AED 5,000 at partner companies.
Standard plan earns no cashback. Eligible credit purchases earn 2%; utility, government and real-estate payments earn 0.5%. The AED 2,500 monthly cap is shared with My Money account cashback. Cash equivalents, wallet funding and crypto are excluded.
The estimate includes Plus plan fees of AED 49/month including VAT. Plus fees are waived at AED 35,000 qualifying average balance; an eligible Salary plan is free. Neither waiver is automatically assumed.
The September tariff lists Plus rollover at 3.25% monthly and Salary at 2.29%, while Salary marketing says from 2.49%. The credit KFS directs customers to their individual in-app offer; no universal rate is asserted.
The August KFS separately describes a deposit-backed card with a limit up to 80% of the locked deposit. Its eligibility is separate from this unsecured card salary filter.
Exact credit-card FX pricing could not be isolated from debit-card pricing. Confirm the applicable credit transaction charges in the app.
Official bank source · checked 2026-10-18Wio Personal Credit KFS version5, August2026
Wio Salary plan: separate eligibility
Official Wio Card artwork; the same physical Mastercard supports debit and approved credit use. WebP copy resized without cropping or changing the depicted card. Image source
First-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.
Read the bank’s terms before applying
The individual reviews link to the issuer’s product pages and available fee schedules. Relationship tiers, employer listing, residence, salary-transfer channels and bureau checks can affect your eligibility independently of a card’s minimum published salary.
Compare salary-transfer commitments and offers