CashbackWio plan holders
Wio Bank
Wio Credit Card
The Wio Credit Card is a cashback credit card from Wio Bank. It has no annual fee, and needs a minimum salary of AED 5,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Card highlights
- Flat 2% cashback on all purchases (capped at AED 2,500/month)
- 0.5% cashback when using Wio to repay other banks' credit cards
- Free ENTERTAINER membership with 600+ two-for-one offers (use card every 90 days to retain)
- Mastercard World travel, lifestyle and protection benefits
Earn rates
| Category | Rate |
|---|---|
| Travel | 2% |
| Retail | 2% |
| Supermarket | 2% |
| Dining & food | 2% |
| Fuel | 2% |
| Education | 2% |
| Transport | 2% |
| Online shopping | 2% |
| International spend | 2% |
| Utilities | 0.5% |
| Real estate | 0.5% |
Rewards on this card are capped at AED 2,500 a month across all categories (about AED 30,000 a year).
Benefits & perks
- •Free ENTERTAINER membership with 600+ two-for-one offers (requires one card transaction every 90 days)
- •Mastercard World travel, lifestyle and protection benefits
- •Up to 60 interest-free days
- •Easy Instalments plan: 3 to 48 months
- •Cash advance facility (Easy Cash): up to 50% of credit limit
- •Pay off other banks' credit cards directly with your Wio Credit Card
- •Instant virtual card issued immediately; physical card available on request
About this card
- •Flat-rate 2% cashback on all purchases (requires Wio Salary Plan)
Every card is checked against official bank sources. Last updated July 2026.
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