Methodology

For every product on UAEMoneyWise, we record:

• The bank's public product page (linked on each card's detail page as Source)
• The Key Facts Statement (KFS) when the bank publishes one — this is the regulatory document under the UAE Central Bank's consumer protection standards
• For loans, the indicative annual percentage rate (APR) as advertised by the bank
• For Islamic products, the published profit rate (no riba) and structure (Murabaha / Tawarruq / Ijara)

We don't scrape rates from forums or third-party comparison sites. Where we infer something (rare), it's flagged on the product as Estimated with a clear date.

Every product is reviewed by a human editor against the bank's official source. The product detail page shows:

• Source link — direct URL to the bank page or KFS we used
• Last reviewed — the date the editor last cross-checked the data
• If Last reviewed is older than 90 days, the badge greys out automatically as a freshness cue

Default sort on /cardsis "recommended" — a blended score using:

• Editor rating (0–5, set manually by our team)
• Featured flag (small bonus for cards we've curated for the homepage)

All other sort options (lowest fee, highest rating, best for a category) are deterministic and only reorder the same set of cards based on data — no editorial weighting applied to those views.

The Card Recommender ranks by year-1 net AED value: annual_rewards + welcome_bonus − first_year_fee. For miles and points cards, rewards are normalised to AED using the published point value (e.g. 1 mile ≈ AED 0.04). The conversion rate is editor-set per card.

We earn referral commissions when readers apply for products through our affiliate links. Banks cannot pay to be listed, ranked higher, or be flagged as "featured".The editorial team that decides ratings and featured picks is structurally separate from the team that signs commercial agreements.

When we have a commercial relationship with a specific product, the "Apply" button uses an affiliate link. You always see this on the product detail page's footer (advertiser disclosure) and in the global footer trust row. See How we make money for the full breakdown.

• We are not a financial advisor — comparisons are informational, not personalised advice
• We are not a regulated bank or broker — the products are issued by the banks themselves
• We cannot guarantee approval — banks have their own underwriting based on AECB score, salary, employer, and other factors we don't see
• We cannot guarantee rate accuracy at the moment of application — banks can update rates between our review and your application; always check the KFS