u/sehrishainn

I'm looking to get my first credit card. My monthly salary is AED 7,000 and since I live with my family my expenses are relatively low so I can pay my credit card bills in full every month.

My average monthly spending looks like this:

1. Petrol: AED 1,000–1,500 (this is my biggest expense so I'd like the highest possible cashback on fuel)
2. Online food order + Groceries & shopping: Around AED 1,500
   Any urgent or unexpected expenses would also go on the credit card.

I usually save AED 3,500–4,000 every month so I'm mainly looking for a card that offers the best overall value.

My priorities are:
- Maximum cashback on fuel
- Good cashback on groceries, dining, and shopping
- A decent welcome bonus
- Complimentary airport lounge access
- Low or waived annual fee, if possible