Wio Credit Card
Flat 2% cashback on everything you buy
at Wio's secure site — issued in the Wio app
Cashback requires a qualifying Wio plan. Terms & conditions apply. See rates & fees.
Rewards rate
Nothing in the UAE beats a no-fee flat 2% with an 2,500 cap — Wio just hides the price in the plan: Standard customers earn zero cashback, so the real cost of the 2% is a salary transfer or a Plus subscription. Treat it as the best second card for Wio banking customers rather than a perks card.
Earning and redeeming Wio cashback
Wio Credit pays a flat 2% on every purchase — online, in store, at home or abroad — with none of the tier ladders or category exclusions UAE cashback cards usually carry. The cap is a high 2,500 per calendar month (shared with your debit 'My Money' spending), and even the classic dead zones earn something: 0.5% on government payments, real estate and utilities, and 0.5% for paying other banks' credit cards through the app.
There's nothing to redeem manually: cashback lands automatically on the 1st of the following month in your current account, a savings space, or a recurring investment — your choice in the Rewards section. The one hard rule: Standard Plan customers earn no cashback, so the rate effectively requires the Salary Plan ( 15,000 salary transfer), Plus ( 49/month, waived with 35,000 in balances) or a Family plan.
Rates and fees
- Annual fee
- 0 — no card fee in Wio's Schedule of Fees; your Wio plan's monthly cost still applies
- Rollover interest
- 3.25% per month (39% APR) — 2.29% (27.48% APR) on the Salary Plan; your exact offer is shown in-app
- Interest-free period
- Up to 60 days on purchases when you repay in full
- Minimum payment
- 100 or 5% of the outstanding, whichever is higher
- Minimum salary
- 7,000 per month, 3+ months with your employer, age 21–65
- Foreign transaction fee
- 2% on non- transactions
- Cash advance
- No classic cash advance — Easy Cash at 1/day per 1,000 (≈36.5% APR), up to 50% of your limit
- Late payment fee
- 199 (VAT inclusive)
- Instalments
- 3–48 months; 52.50 processing on 3-month plans, free on 6–48 months
- Card network
- Mastercard World (virtual first; physical on request)
Fees are VAT-inclusive, from Wio's Schedule of Fees (v8, July 2026) and Personal Credit KFS (v5, August 2026).
Card benefits
Flat 2%, high cap
2% on every purchase up to 2,500 cashback a month — no tiers, no rotating categories, auto-credited on the 1st.
Get paid to pay other cards
Add another bank's credit card, schedule the payment from Wio Credit and earn 0.5% on it ( 5,000+ retail spend in the cycle).
60 interest-free days
Purchases enjoy up to 60 days interest-free — pay in full by the second statement and interest never lands.
Easy Cash
Draw up to 50% of your limit as cash at a transparent 1/day per 1,000 — repay early and the meter stops.
Deposit-secured option
No credit history? Lock a deposit and get a limit up to 80% of it while the deposit keeps earning interest.
Fully app-native
Choose your own statement date, flip Auto Pay on, and convert spends, balances or Easy Cash into 3–48-month plans in taps.
Pros and cons
- Flat 2% on everything with a generous 2,500 monthly cap — no category gymnastics
- No annual fee, and up to 60 days interest-free on purchases
- Even government, utility and other-bank card payments earn 0.5%
- Salary Plan customers get a lower 2.29%/month rollover rate (27.48% APR)
- Instalments from 3 to 48 months and transparent app-first controls
- No cashback at all on the free Standard Plan — you need Salary ( 15,000 transfer), Plus ( 49/month or 35,000 balances) or Family plan
- It's your Wio World card switched to Credit mode, not a standalone card with premium perks — no advertised lounge access or travel insurance
- Cashback is capped at 2,500 a month including your debit 'My Money' spends
- Rollover interest of 3.25%/month (39% APR) on most plans if you carry a balance
- You must waive the cooling-off period to activate Wio Credit
Is it right for you?
Get this card if
- You already bank with Wio on a Salary, Plus or Family plan — or will
- You want one flat rate on everything instead of category juggling
- You regularly earn near other cards' 150–750 caps and need headroom
- You value 60 interest-free days and app-first control over perks
Consider skipping it if
- You'd stay on the free Standard Plan — you'd earn zero cashback
- You want lounge access, travel insurance or lifestyle perks on the card
- Your salary is under 7,000 or you've been with your employer under 3 months
- You want a physical-first premium card experience
Alternatives to consider
Liv's Cashback Card is free for life with no plan requirement — lower tiered rates, but rewards can become Skywards Miles.
Best no-annual-fee cards →
The Emirates NBD noon One card concentrates rewards on noon, noon Food and Minutes instead of a flat rate on everything.
Best online shopping cards →
Mashreq's Cashback card pairs category cashback with lounge visits and a dining program — more perks, more conditions.
Best cashback cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Is Wio Credit a real credit card?+
Yes. Wio Credit is delivered through the Wio Mastercard World Card: once your credit limit is approved, you switch the card to Credit mode in the app and purchases are debited from your credit limit, with statements, a minimum payment and up to 60 interest-free days like any credit card. It's issued as a virtual card, with a physical card available on request.
What do I need to qualify for Wio Credit?+
Be 21–65 years old, a UAE resident employed in the UAE for at least 3 months, with a monthly salary of AED 7,000 or more. Approval is subject to Wio's credit assessment, including an AECB check.
How does the 2% cashback work?+
You earn 2% on all purchases made using Wio Credit, up to AED 2,500 of cashback per calendar month (the cap includes debit 'My Money' spends). Government, real estate and utility payments earn 0.5%, and paying other banks' credit cards earns 0.5% (needs AED 5,000+ retail spend in the same cycle). Cashback is not available on the Standard Plan.
Does Wio Credit have an annual fee?+
No annual or joining fee appears in Wio's Schedule of Fees or the credit KFS. Note that your Wio Personal plan has its own monthly cost unless waived — e.g. Standard is AED 25/month unless you keep AED 3,000 across accounts, while Salary Plan is free with an AED 15,000 salary transfer.
What interest does Wio Credit charge?+
If you don't repay in full, rolled-over balances are charged 3.25% per month (39% APR) on Standard, Plus and Family plans, or 2.29% per month (27.48% APR) on the Salary Plan. Your exact offer is shown in the app before you accept the limit. Paying in full gives you up to 60 interest-free days.
What is Easy Cash?+
Easy Cash lets you draw up to 50% of your credit limit as cash into your Wio account, charged AED 1 per day per AED 1,000 borrowed (about 36.5% APR) — or converted into an instalment plan. A late fee of AED 199 applies if you miss the repayment window.
Can I split purchases into instalments?+
Yes — eligible transactions, balances, other-bank card payments and Easy Cash can be converted into fixed instalment plans from 3 to 48 months. A 3-month plan carries an AED 52.50 processing fee; 6–48-month tenures have none. Rates range from 0% up to the rollover rate and are fixed once confirmed.
Is there a deposit-secured version?+
Yes. Wio offers a secured credit card backed by a locked deposit, with a credit limit of up to 80% of the deposit — the deposit keeps earning interest and is released when the card is closed.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.