Wio Credit Card cashback rate, cap and annual fee
Wio Credit Card pays 2% on dining — on the first AED 125,000 you spend on it each month, which is where the AED 2,500 cap stops it.
Wio Bank · United Arab Emirates · catalogue v101
Read from Wio Bank's own published terms on 17 Aug 2026.
NoneAnnual fee
AED 2,500Cap across the whole card
2%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 2.00% | AED 2,500reached at AED 125,000 of spendAll purchases on Wio Credit. Capped at AED 2,500 a month or 1% of your credit limit, whichever is lower. |
| Everything else | 2.00% | AED 2,500reached at AED 125,000 of spendAll purchases. Shares the monthly ceiling. |
| government | None | —Government, utility and quasi-cash spend, including Easy Cash, earns nothing at all on this card. Read off Wio's own Key Facts Statement on 17 Aug 202 |
Read off Wio's own Key Facts Statement. Two things a comparison table got wrong about this card: government, utilities and quasi-cash spend (including Easy Cash) earn nothing at all rather than the flat rate, and the AED 2,500 monthly ceiling is capped further at 1% of your credit limit, whichever is lower. So on a AED 50,000 limit the real ceiling is AED 500. The card also pays 1% on payments to other UAE banks' credit cards, which this app has no category for.
Questions people ask
What cashback does the Wio Credit Card pay?
2% on dining and 2% on everything else.
Is there a cap on the Wio Credit Card?
Yes — AED 2,500 a month across the whole card, however you split your spending.
What is the annual fee on the Wio Credit Card?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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