- Annual fee
- AED 0
- Minimum monthly salary
- AED 7,000
- Welcome bonus
- None listed right now
No card fee. Cashback needs a paid or salary Wio plan: Plus costs AED 49 a month (free if you keep AED 35,000), Salary needs AED 15,000 salary transfer. The Standard plan earns no cashback.
Our take
2% cashback on everything up to AED 2,500 a month, run entirely from the Wio app, with no card fee.
Good for
App-first people who already bank with Wio or will move their salary.
Watch out for
Cashback needs the Plus plan (AED 49 a month unless you keep AED 35,000) or a Salary plan; the free Standard plan earns nothing.
Written by Joe Hickman from Wio Bank's published terms. Not personal advice.
What it's worth in practice
Wio pays a flat 2% on all purchases, one of the highest flat rates on MoneyVS. AED 6,000 a month earns AED 120, or AED 1,440 a year. But cashback only works on Wio's Plus plan (AED 49 a month unless you keep AED 35,000 with Wio) or a Salary plan (AED 15,000 salary transferred). If you pay for Plus, that's AED 588 a year, leaving about AED 850 net on that spending. If you don't want to move your salary or park cash with Wio, ADCB Essential Cashback is free for life with 1.25% cashback in months you spend AED 5,000. The catch: the free Standard plan earns no cashback at all, and Wio charges 2% on foreign currency spending.
What you need
| Minimum salary | AED 7,000 a month |
|---|---|
| Reward cap | AED 2,500 a month |
Taken from Wio Bank's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.
How it compares
Its AED 0 annual fee is higher than 0 and lower than 23 of the other 34 cashback cards with a published fee. The AED 7,000 minimum salary compares with a typical AED 8,000 for cashback cards; 14 of 28 ask for less. It has no welcome offer listed right now; 10 of the 34 other cashback cards do.
This is the only Wio Bank card open to new applicants that we list.
Compared with the 35 cashback cards on MoneyVS, using each bank's published figures as of 2 Nov 2026.
What you earn
- 2% cashback on all purchases
- 0.5% on government, real estate, utility bills and telecom
- 0.5% when you pay another UAE bank's credit card with Wio Credit (needs AED 5,000 retail spend that month)
- Free ENTERTAINER access on Salary, Family and Plus plans
Included benefits
No headline benefits listed by the bank.
Wio Credit Mastercard World: common questions
What salary do I need for the Wio Credit Mastercard World?
Wio Bank asks for a minimum monthly salary of AED 7,000.
Does the Wio Credit Mastercard World have an annual fee?
Yes, AED 0.
Do I need a Wio plan to earn cashback on Wio Credit?
Yes. Cashback needs the Plus plan (AED 49 a month, free if you keep AED 35,000) or a Salary plan (AED 15,000 salary transfer). The Standard plan earns none.
Does Wio Credit charge a foreign transaction fee?
Yes. Wio lists a 2% fee on foreign currency spends.
Can I pay another bank's credit card with Wio Credit?
Yes. Wio pays 0.5% cashback when you do, as long as you've spent AED 5,000 on retail that month.
Compare with
- ADCB Essential Cashback: the closest alternative
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