Wio Credit: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.
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
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 7,000
- Annual fee
- AED 0
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- Confirm with bank
- Reward programme
- Wio Credit
- Salary transfer required
- No published requirement
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.
Cashback or points earning rules, thresholds and caps
Base earning: 2 % cashback.
Monthly spend gate: See issuer conditions. Monthly reward cap: AED 2,500. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Utilities | 0.5 % cashback | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED 1,632 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.
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.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
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
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.
View 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
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
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary access verified
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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 sources and application information
- Wio Credit official product terms
- Wio: Wio Personal Credit KFS version5, August2026
- Wio: Wio September2026 schedule
- Wio: Wio Salary plan: separate eligibility
- Wio Credit official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.