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 7,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 7,000/mo
Rewards in
Cashback
Card highlights
- Earn 2% cashback on most purchases, 0.5% on fuel, transport, utilities and government spend
- Cashback capped at AED 2,500 per month; requires Salary, Family or Plus plan
- Free ENTERTAINER access: 600+ buy-one-get-one offers at 200+ venues in Dubai and Abu Dhabi
- Up to 60 interest-free days on every purchase
Earn rates
| Category | Rate |
|---|---|
| Travel | 2% |
| Retail | 2% |
| Supermarket | 2% |
| Dining & food | 2% |
| Education | 2% |
| Online shopping | 2% |
| International spend | 2% |
| Fuel | 0.5% |
| Utilities | 0.5% |
| Transport | 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
- •Up to 60 interest-free days on every purchase
- •Free ENTERTAINER membership (Salary, Family and Plus plans): 600+ 2-for-1 offers at 200+ venues in Dubai and Abu Dhabi
- •Mastercard World travel, lifestyle and protection benefits
- •Easy Instalments plan: 3 to 48 months
- •Pay other UAE bank credit cards using Wio Credit
- •Instant virtual card issued immediately, physical card available on request
Every card is checked against official bank sources. Last updated October 2026.
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Questions people ask
What does the Wio Bank Wio Credit Card earn?
A Wio Mastercard with no annual card fee paying 2% cashback on most purchases in the UAE and abroad and 0.5% on fuel, transport, bills, government and real estate, capped at AED 2,500 a month shared with your Wio account card, but only for holders of Wio's Salary, Family or Plus plan.
What does the Wio Bank Wio Credit Card cost?
No annual card fee. To earn cashback you need the Salary plan (free with a monthly salary transfer of at least AED 15,000, or AED 5,000 at Wio partner companies), the Family plan, or the Plus plan (AED 49 a month, or free if you keep at least AED 35,000 across your Wio accounts).
What does spending abroad cost on the Wio Bank Wio Credit Card?
Spending abroad costs about 3.15% all in: Wio's 2% foreign exchange fee (VAT included), which Wio applies to all transactions outside the UAE including online, plus 1.15% for Mastercard, which is Perkly's standard estimate because Wio gives no scheme figure. Spending abroad earns 2% cashback.
What should I watch out for with the Wio Bank Wio Credit Card?
No cashback at all on Wio's free Standard plan: you need the Salary plan (a salary transfer of AED 15,000, or AED 5,000 at partner companies), the Family plan, or Plus at AED 49 a month unless you keep AED 35,000 with Wio. The AED 2,500 monthly cap is shared with cashback from your Wio current account card. Fuel, transport, bills, government and real estate payments earn only 0.5%.