How to Use Test My Card to Find the Best Credit Card for You in Minutes

The UAE has one of the most diverse credit card markets in the world. Cashback, air miles, shopping discounts, travel perks—every bank offers different deals to attract customers. While this competition benefits consumers, it also creates confusion.

Many residents feel overwhelmed by endless bank offers and fear choosing the wrong card. The result? People often apply for cards that don’t suit their needs—or worse, hurt their credit score after multiple rejections.

Test My Card UAE offers a smarter, faster way to find the perfect credit card. This guide explains how to use the platform to discover the best options in just minutes.

The Challenges of Choosing a Credit Card in the UAE

There are thousands of credit card products in the UAE market. Each advertises attractive benefits:

• Up to 10% cashback
• Free airport lounge access
• No annual fees for the first year
• High air miles earning rates
• Exclusive shopping and dining discounts

While these benefits look enticing, the fine print often reveals:

• Minimum income requirements
• High annual fees
• Complex reward structures
• Exclusions or spending caps
• Strict credit score requirements

Choosing the wrong card can result in rejected applications, lower credit limits, or unused benefits. This is why a smart comparison tool like Test My Card UAE is so valuable.

What is Test My Card UAE?

Test My Card UAE is an online platform that provides personalised credit card recommendations for residents across the Emirates. Instead of relying on guesswork or spending hours comparing websites, users receive tailored suggestions that match their financial profile and preferences.

How Test My Card UAE Works

Here’s how easy it is to use Test My Card:

1. Enter Personal Details

To begin, users input basic information such as:

• Monthly salary
• Preferred card benefits (cashback, air miles, no annual fee, etc.)
• Spending categories (e.g. groceries, travel, fuel)
• Whether they have an AECB credit report to upload

This information helps the platform understand the user’s financial situation and lifestyle.

2. Optional: Upload AECB Credit Report

One unique feature of Test My Card UAE is the option to upload an Al Etihad Credit Bureau (AECB) credit report.

Why does this matter?

• Banks check the AECB credit score before approving credit card applications.
• A lower score can result in rejections, lower credit limits, or higher interest rates.
• Rejected applications can reduce the credit score further.

By integrating the AECB report, Test My Card UAE can show cards that users are likely to qualify for, reducing unnecessary applications and protecting credit health.

3. View Personalised Recommendations

In seconds, users receive a list of credit cards tailored to their profile. Each recommendation includes:

• Minimum income requirements
• Annual fees (if any)
• Cashback or air miles rates
• Special perks like lounge access, shopping discounts, or insurance coverage
• Approval likelihood based on income and AECB data

This clear overview makes comparing cards effortless.

4. Apply Directly or Learn More

Users can click to apply directly through the platform or visit the bank’s website for further details. Test My Card UAE simplifies the process, saving time and frustration.

Benefits of Using Test My Card UAE

Saves Time

Instead of visiting multiple bank websites, users see the best options in one place—saving hours of research.

Increases Approval Chances

Test My Card UAE shows only cards likely to approve a user’s application, reducing the risk of damaging the credit score.

Personalised to Spending Habits

A person who travels frequently will receive air miles card recommendations, while someone focused on household expenses might see high cashback cards.

Helps Maximise Rewards

Many residents miss out on potential savings because they choose cards that don’t fit their lifestyle. Test My Card UAE helps users earn the best rewards for their spending.

Keeps Up with Market Changes

Card offers in the UAE change constantly. Test My Card UAE updates its data so users always see the latest deals.

Real-Life Example

Consider a resident earning AED 10,000 monthly who spends:

• AED 2,000 on groceries
• AED 800 on fuel
• AED 1,200 on dining

Using Test My Card UAE, they might discover a cashback card offering:

• 5% cashback on groceries
• 3% on fuel
• Dining discounts up to 20%

Instead of randomly choosing a card, they gain a solution tailored to maximise their monthly savings.

Protecting Credit Health

Every credit card application in the UAE leaves a footprint on the AECB credit report. Too many applications within a short time can signal financial distress and lower the credit score.

Test My Card UAE helps avoid this problem by matching users only to cards they’re likely to qualify for, ensuring fewer rejections and healthier credit profiles.

Who Should Use Test My Card UAE?

Test My Card UAE is perfect for:

• New residents unfamiliar with the UAE banking system
• Long-time residents wanting better deals on credit cards
• Individuals with low or medium salaries seeking approval-friendly cards
• High-income earners looking for premium travel perks
• Anyone wanting to protect their AECB score while finding great deals

Final Thoughts

Finding the perfect credit card in the UAE can feel complex, but it doesn’t have to be. Test My Card UAE simplifies the search by providing fast, tailored recommendations based on real data and personal preferences.

Residents can now make smarter decisions and enjoy credit cards that genuinely suit their lifestyle—without risking unnecessary applications or missing out on valuable rewards.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.testmycard.com for latest updates.