The right card for every dirham you spend.
CardMax compares UAE credit cards on what they actually pay you for dining, groceries, fuel, travel and online shopping. Rankings come from reward rates and fees only. No bank can buy a spot.
Same shop. Same bill. Five times the reward.
The few seconds at the till decide what you get back. The CardMax app makes that choice for you, before you pay.
You pay with whichever card is on top of your wallet.
Your phone tells you which of your cards wins at this supermarket.
One shop: AED 19.20 more. Every week for a year: AED 998 more.
1 · Add your cards once
Pick them from our list of UAE cards. No bank login, no card numbers.
2 · Get told at the shop
Wherever you are, the best card you hold for that place comes to the top.
3 · See it add up
Log a purchase in one tap. Your Ledger tracks what you earned and what you missed.
Example cards and rates, to show the idea. Real rates come from each bank’s published terms.
The HSBC UAE Live+ Credit Card advertises 6% on dining. Its terms add: “6% dining cashback — capped AED 200/mo”. Headline rates rarely tell the whole story, so every CardMax card page shows the small print next to the rate.
Three ways to find your card
Filter every card
Search by name, filter by bank and reward type, and sort by fee, best rate or minimum salary. Add up to three cards to compare side by side.
02 · CalculateEnter your spending
Tell us roughly what you spend each month and see which cashback cards return the most after the annual fee.
03 · TrustSee how we rank
Our method is public: reward rate or fee only, units never mixed, small print always shown. Commission never changes the order.
Private by design.
We never ask for your card number
Just which card you hold. The last 4 digits are optional. Never the full number, expiry date or CVV.
No bank login, no bank connection
CardMax can’t see your balance or statements, and can’t move money.
We never sell your personal data
Not to banks, not to advertisers. Your wallet is stored encrypted on Google Firebase and locked to your account.
Full details in our privacy policy. You can delete your account and data at any time.
Is CardMax free?
Yes. This website is free, and the app’s core features are free: the best card for each shop, Missed Rewards, and seeing the spend conditions on your cards. We plan to offer optional paid extras later. No price has been set, and the free features stay free.
How does CardMax make money?
When you apply for a card through some of our links and the bank approves you, the bank may pay us a commission. It costs you nothing, and it never changes how cards are ranked. No bank can pay for a position. Read how we make money.
How do you rank cards?
By the reward rate each bank publishes for that kind of spending, highest first, with ties going to the lower annual fee. Cashback, points and miles are never ranked against each other. If a rate we recorded doesn’t match the bank’s own wording, it is marked “under review” and left out of every ranking until we’ve re-checked it. See the full method.
Do I have to give CardMax my card number?
No. You only choose which card product you hold, by its bank and card name. You can add the last 4 digits if you want to tell two similar cards apart, but that’s optional. CardMax never asks for your full card number, expiry date or CVV.
Does CardMax connect to my bank account?
No. There is no bank login and no open-banking connection. CardMax can’t see your balance or statements and can’t move money. You log purchases yourself, which is how Missed Rewards knows what you spent.
Who can see my data, and is it safe?
Your account, cards and logged purchases are stored on Google Firebase, which encrypts data while it travels and while it is stored. Our database rules lock each record to your account, so other users can never see it. The CardMax team can view account data only to run and support the service. We never sell your personal data or pass your details to banks. We may share anonymous totals across many users, such as which spending categories are most common, but never anything that identifies you, and never a group smaller than three people. Read the privacy policy.
Does the app use my location?
Only if you allow it. With location on, CardMax shows the shops near you and can remind you which card to use when you arrive at a shop you searched for. You can switch it off any time in your phone’s settings, and the rest of the app still works.
Can I delete my data?
Yes. In the app, Profile → Delete account (or our delete-account page) removes your account, your cards and your logged purchases. Card-data corrections you sent us are kept with your name removed, because they keep the catalogue accurate for everyone. You can also email cardmax.uae@gmail.com.
Which cards does CardMax cover?
115 credit cards from 21 UAE banks today. Missing one? Tell us and we’ll add it.
How accurate are the rates?
We take every rate and fee from the bank’s own published terms, and each card page shows when we last checked it. Banks change their offers often, so always confirm on the bank’s site before you apply. Spotted a mistake? Every card page has a link to tell us.
When can I get the app?
CardMax is in testing on Android now. Join the waiting list and we’ll email you when you can download it.
Is CardMax a bank or a financial adviser?
No. CardMax compares cards using published information. It doesn’t issue cards, decide applications or give personal financial advice. The bank decides every application.
Be first to try the CardMax app
The app tells you which of your cards to use at every shop, using your location. It’s in testing on Android now. Leave your email and we’ll tell you when it’s ready. No spam, and you can ask us to delete it any time.
We only use your email to contact you about CardMax. See our privacy policy.