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Wio Credit

A card that is both a debit and a credit card, Wio credit is one of the most transparent and rewarding credit cards in the UAE and is a must have for anyone who qualifies for it.

Earning Rates

  • 2% cashback on Everything except Government and Utilities (up to AED 2,500)
  • 1% Cashback with Salary Plan or 0.5% with Plus Plan on Balance Transfer (up to AED 2,500 or credit limit, whichever lower)
  • 0.5% Cashback on Government, Telecom, utility bills, fuel, transport and Real Estate (up to AED 2,500)
  • The 2,500AED limit is shared between above categories.

 


Card Snapshot:

Annual Fee: ​ ​Free or AED 49 per month
Card Type: ​ ​​World Mastercard®
Income Required: ​AED 5,000 per month

Valet parking: ​ ​ ​✘ 
Per Trans. Rewards Tracking: ​✔
Airport Lounge: ​ ​ ​ ​✔  
Discounted Airport Transfer: ​​✔ (Careem, Not advertised)
Cinema Offer: ​ ​ ​ ​✘
No Min. Qualifying Spend: ​ ​✔
​No Annual Fee: ​ ​ ​​✔ (With AED 35K account balance)
Insurance: ​​ ​​​ ​✔
Golf:​​ ​ ​ ​ ​​ ​ ​✘


Perks

  • Discounted airport rides of up to AED 110 with Careem, twice a year, using discount code MAUAE2
  • Pay off other credit cards with Wio Credit and earn 0.5% cashback. 
  • Access to offers on Priceless.com with Mastercard®. 



Details

Wio Credit is one of the last cards in the UAE that offers a simple 2% cashback on your daily spending (outside of utilities) in a transparent manner. It even offers a 1% cashback on paying off your other credit cards.

Earn rate:

2% cashback on all spending, up to AED 2,500 per month. Excludes government-related payments, utilities such as electricity and telecom bills.


Up to 1% on balance transfer (paying off other credit cards), using your Wio credit balance, up to your credit limit or 2,500AED, whichever is lower, per month. You can bump this up to 1% by by transferring your salary to your Wio account. 

The 2,500AED cap is for total cashback earned per month for all categories combined.

Pro Tip:

  1. If you have another card that earns cashback on categories missing from Wio, such as ADIB Cashback Card for paying telecom fees, use Wio credit pay it off to get a sweet total of 5% cashback.

Perks: 

Discounted airport rides: up to AED 110 with Careem, twice a year, using discount code MAUAE2. Wio does not advertise this perk but it comes with all World Mastercard®.

0.5% Cashback on Balance Transfer: While virtually all banks charge you to pay of other banks' credit cards with theirs, Wio pays you for it. ​ 



My Take

Wio is one of the most rewarding and transparent banks in the market. From high interest earned on you savings to cashback earned on your spending and balance transfer, you always know exactly how much you earned. 

This card is a no-brainer for anyone who qualifies and I suggest you apply for it before they start cutting features.

Apply for Wio Credit

Wio Bank

Wio is one of the newest banks in the UAE. With a "digital first" approach, it arguably has one of the most feature packed, fluid and easy to use bank apps on the market.

 

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