Wio Personal Credit Card
A no-fee cashback 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 flat-rate cashback with no annual fee and spend up to AED 125,000 monthly.
Not ideal if
You want travel perks, lounge access, or premium lifestyle benefits beyond cashback.
Watch out for
Cashback capped at AED 2,500 per month, limiting rewards for very high spenders.
Calculate This Card’s Value
Earning Rates
2%
Cap: Up to AED 2,500/mo
Key Strengths and Weaknesses
Strengths
No annual or joining fee, making it cost-free to hold and use.
Flat 2% cashback on all purchases with no category restrictions or tracking.
Generous AED 2,500 monthly cashback cap suits most everyday spending levels.
Watch out for
No travel perks, lounge access, or insurance benefits included.
3.15% foreign exchange markup adds cost to international and online foreign transactions.
AED 5,000 minimum monthly salary requirement may exclude some applicants.
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 no annual fee and no joining fee, so you can use it without any recurring charges.
How much cashback can I earn each month?
You earn 2% cashback on all spends, up to a maximum of AED 2,500 cashback per month. That cap is reached when you spend AED 125,000 in a single month.
What is the minimum salary to apply for this card?
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, but a 3.15% foreign exchange markup applies to all transactions in foreign currencies.
Does the Wio Personal Credit Card offer any travel or lifestyle perks?
No, this card does not include airport lounge access, travel insurance, concierge services, or other lifestyle benefits. It focuses solely on cashback rewards.