Wio Personal Credit Card
A no-fee credit card by Wio offering 2% cashback on all spends, capped at AED 2,500 monthly.
Free
2% all spends
AED 5,000
3.15%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You want simple flat-rate cashback with no annual fee or category tracking.
Not ideal if
You concentrate spending in dining, travel, or groceries with specialist bonus rates.
Watch out for
Monthly cashback cap of AED 2,500 limits rewards on very high spending.
Calculate This Card’s Value
Earning Rates
2%
Cap: Up to AED 2,500/mo
Key Strengths and Weaknesses
Strengths
2% cashback on all purchases with no category restrictions or activation.
Zero annual fee means you keep all cashback earned.
High monthly cap of AED 2,500 accommodates substantial spending.
Low AED 5,000 salary requirement makes the card widely accessible.
Watch out for
Flat 2% rate trails specialist cards offering 4% to 6% on dining or travel.
3.15% FX markup reduces value on frequent international transactions.
No welcome bonus or additional perks like lounge access or insurance.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the Wio Personal Credit Card?
No, the Wio Personal Credit Card has zero annual fee and zero joining fee. You keep all the cashback you earn without any fee deductions.
How much cashback can I earn each month?
You earn 2% cashback on all spends, capped at AED 2,500 per month. To reach the cap, you would need to spend AED 125,000 in a single month.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to be eligible for the Wio Personal Credit Card.
Can I use this card abroad?
Yes, you can use the card internationally. Foreign currency transactions incur a 3.15% markup, which is standard for most UAE credit cards.
Does the Wio Personal Credit Card offer any welcome bonus or perks?
No, this card does not include a welcome bonus, lounge access, or travel insurance. It focuses on straightforward cashback with no annual fee.