Compare the same AED 10,000 monthly benchmark with full repayment. Actual eligibility, category spending and the timing of welcome offers can change the outcome. This is an independent comparison; subjective perks are not assigned guaranteed cash value.
Annual fee is free in the September 2026 VAT-inclusive schedule.
Important conditions
Only two selected categories accelerate; their rate depends on total monthly spend. Government spending and utility payments made through the Al Hilal app earn zero.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
25+ regional airport lounges advertised; current entry rules apply.
No annual fee in year 1. Subsequent fees are waived after AED 15,000 annual spend.
Important conditions
The bank equates10 Walaa points per AED to5% for promoted categories. Confirm a universal cash conversion before applying AED0.005 per point to every reward. The current spending form has no dedicated travel category.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
A common benchmark makes the comparison reproducible, but it does not establish the best card for every household. Welcome eligibility, employer and bureau assessment, payment channel merchant codes, actual foreign spending and carried balances can all change the result.
