17 best freelance jobs to earn part time income 2024

freelance gigs to earn part time income in uae

Have you ever thought of earning some extra income in uae ?

but couldn’t able to find out what is best option to earn some extra cash ?

Don’t worry side hustlers !

The need for some extra cash is wanted by everyone in the city but don’t wanna ditch your day job ?

You’re in luck !

The UAE is booming with freelance opportunities after the Uae government has launched freelance visa for the part timers.It is viable to have some extra cash (dirhams) or quick income to support your monthly budget and savings.

What is freelance work ?

Freelance work, in essence, means working for yourself instead of being an employee of a company. You offer your skills and expertise to clients on a project-by-project basis, setting your own rates and hours.

It’s a great option for those who value flexibility, independence, and control over their work.

Earning a legitimate income with different options can be sometime breathtaking task which is where,we will help you out in choosing the best side income option in uae.

let’s dive into the coolest gigs to earn some sweet dirhams on your own terms.

17 best freelance gigs to earn some quick cash in Uae 2024

1. Content writing

What you’ll do : Create written content for websites, blogs, social media, and other online platforms. This could include articles, blog posts, website copy, social media captions, email newsletters, and more.

Skills required : Excellent writing and communication skills, strong research skills, ability to meet deadlines, and knowledge of SEO.

Estimated earnings : AED 50-200 per hour, depending on your experience and expertise.

How to get started : Create a portfolio of your writing samples and start pitching clients directly or sign up for freelance platforms like Upwork, Fiverr, or Freelancer.com.

2. Social media management

What you’ll do : Manage social media accounts for businesses and individuals. This could include creating and scheduling content, responding to comments and messages, running social media ads, and analyzing results.

Skills required : Strong understanding of social media platforms, excellent communication and writing skills, creativity, and analytical skills.

Estimated earnings : AED 1,000-5,000 per month, depending on the number of clients and the size of their accounts.

How to get started : Take online courses or certifications in social media management, build your own social media following, and start offering your services to businesses.

3. Virtual assistant

What you’ll do : Provide administrative, technical, or creative assistance to clients remotely. This could include scheduling appointments, managing email, creating presentations, data entry, and more.

Skills required : Strong organizational and communication skills, computer literacy, and the ability to work independently.

Estimated earnings : AED 10-20 per hour, depending on your experience and expertise.

How to get started : Take online courses or certifications in virtual assistance, build a strong online presence, and start offering your services to businesses.

4. Graphic design

What you’ll do : Create visual content such as logos, illustrations, website graphics, and social media images.

Skills required : Strong graphic design skills, proficiency in design software like Adobe Photoshop and Illustrator, and creativity.

Estimated earnings : AED 100-500 per project, depending on the complexity of the project.

How to get started : Create a portfolio of your graphic design work, and start offering your services to businesses or individuals. You can also find freelance graphic design work on platforms like Upwork and Fiverr.

5. Web development

What you’ll do : Develop and design websites for businesses and individuals. This could include building websites from scratch, customizing existing websites, or fixing website bugs.

Skills required : Programming skills (HTML, CSS, JavaScript), web development frameworks (e.g., WordPress), and problem-solving skills.

Estimated earnings : AED 50-200 per hour, depending on your experience and expertise.

How to get started : Learn to code through online courses or tutorials, build a portfolio of your web development projects, and start offering your services to businesses or individuals.

6. Translation

What you’ll do : Translate written content from one language to another. This could include translating website content, marketing materials, legal documents, and more.

Skills required : Fluency in two or more languages, excellent writing and communication skills, and attention to detail.

Estimated earnings : AED 0.05-0.20 per word, depending on the language combination and the complexity of the text.

How to get started : Become a certified translator, create a portfolio of your translation work, and start offering your services to translation agencies or directly to clients.

7. Photography

What you’ll do : Take professional photos for events, products, or individuals.

Skills required : Strong photography skills, knowledge of lighting and composition, and editing skills.

Estimated earnings : AED 500-2,000 per photoshoot, depending on the experience and expertise.

How to get started : Build a portfolio of your photography work, and start offering your services to businesses or individuals. You can also sell your photos on stock photo websites.

8. Videography

What you’ll do : Create and edit videos for businesses and individuals. This could include promotional videos, event videos, explainer videos, social media videos, and more.

Skills required :

Videography skills : This includes knowing how to operate a camera, capture quality footage, understand lighting and composition, and use different camera angles and movements effectively.

Editing skills : You’ll need to be proficient in video editing software like Adobe Premiere Pro or Final Cut Pro to put together your footage, add transitions, graphics, and music.

Creativity : A good videographer can tell a story visually and bring ideas to life in a compelling way. This requires creativity and understanding of visual storytelling techniques.

Estimated earnings : The earnings for videography can vary greatly depending on several factors :

Experience : Beginners might start at AED 100-200 per hour, while experienced videographers can charge AED 500-1,000 per hour or even more.

Project complexity : Simple projects like short social media videos will pay less than longer, more complex productions like weddings or corporate documentaries.

Location : Videographers charging higher rates usually operate in bigger cities like Dubai or Abu Dhabi.

How to get started:

Build your skills: Take online courses, watch tutorials, and practice videography with your own projects.

Create a portfolio: Showcase your best work online through a website or social media profiles.

Network: Connect with other videographers, event planners, and businesses in your area.

Offer competitive rates: Start with competitive rates to attract clients, then gradually increase your pricing as you gain experience and build your reputation.

Utilize freelance platforms: Sign up on platforms like Upwork, Fiverr, or Behance to find freelance videography gigs.

9. Online tutoring

What you’ll do: Tutor students online in various subjects, from languages and math to science and history.

Skills required : Strong subject knowledge, excellent communication and teaching skills, and patience.

Estimated earnings : AED 50-100 per hour, depending on your experience and expertise.

How to get started : Get TEFL certified, create a profile on online tutoring platforms like VIPKid or Cambly, and start building your student base.

10. Social media marketing

What you’ll do : Develop and execute social media marketing strategies for businesses. This could include creating content, running ads, and analyzing results.

Skills required : Strong understanding of social media platforms, marketing principles, and data analysis.

Estimated earnings : AED 2,000-5,000 per month, depending on the size of the client and the scope of the project.

How to get started : Get certified in social media marketing, build a portfolio of your past work, and start offering your services to businesses.

11. Data entry

What you’ll do : Manually enter data into spreadsheets or databases.

Skills required : Attention to detail, typing accuracy, and basic computer skills.

Estimated earnings : AED 10-20 per hour, depending on the complexity of the task.

How to get started : Create a profile on freelance platforms like Upwork or Fiverr, and start bidding on data entry projects.

12. Web content editing and proofreading

What you’ll do : Edit and proofread website content for grammar, spelling, and clarity.

Skills required : Excellent grammar and editing skills, strong attention to detail, and knowledge of style guides.

Estimated earnings : AED 20-50 per hour, depending on your experience and expertise.

How to get started : Take online courses in editing and proofreading, build a portfolio of your work, and start offering your services to businesses or individuals.

13. Search engine optimization (SEO) writing

What you’ll do : Write content that is optimized for search engines. This could include blog posts, website copy, and product descriptions.

Skills required :  Excellent writing and communication skills, SEO knowledge, and research skills.

Estimated earnings : AED 50-100 per hour, depending on your experience and expertise.

How to get started : Take online courses in SEO writing, build a portfolio of your work, and start offering your services to businesses or individuals.

14. Virtual bookkeeping

What you’ll do : Handle bookkeeping tasks for businesses remotely, such as recording transactions, reconciling accounts, and preparing financial statements.

Skills required : Strong accounting skills, experience with accounting software, and attention to detail.

Estimated earnings : AED 20-30 per hour, depending on your experience and expertise.

How to get started : Get certified in bookkeeping, build a portfolio of your work, and start offering your services to businesses.

15. Online customer service

What you’ll do : Provide customer service to clients remotely via phone, email, or chat.

Skills required : Excellent communication and interpersonal skills, problem-solving skills, and empathy.

Estimated earnings : AED 10-20 per hour, depending on the company and the experience level.

How to get started : Apply for online customer service jobs on company websites or job boards.

16. Transcription

What you’ll do : Transcribe audio or video recordings into written text.

Skills required : Excellent typing skills, active listening skills, and attention to detail.

Estimated earnings : AED 0.10-0.20 per minute of audio, depending on the complexity of the recording.

How to get started : Take online courses in transcription, build a portfolio of your work, and start offering your services on freelance platforms like TranscribeMe or Rev.

17. App development

What you’ll do : Develop mobile apps for businesses or individuals.

Skills required : Programming skills (Java, Kotlin, Swift), mobile app development frameworks, and problem-solving skills.

Estimated earnings : Highly variable, depending on the complexity of the app and your experience.

How to get started : Learn to code through online courses or tutorials, build a portfolio of your app development projects, and start offering your services to businesses or individuals.

After selecting one or more option which is suitable for you to choose then we have some importnat points for you to consider while doing freelance work in uae.

Important points to consider for freelance work in UAE


Freelance Permit : Obtaining a freelance permit issued by the Department of Economic Development (DED) or Free Zone authority is mandatory. This allows you to legally work as a freelancer and issue invoices.

Residence Visa : You need a valid residence visa, either individual or sponsored. Residency regulations for freelancers might differ compared to employed individuals.

2. Taxation

Emirates Value Added Tax (VAT) : Freelancers earning more than AED 375,000 annually must register for VAT and charge it on their services.

Personal Income Tax : Currently, there is no personal income tax in the UAE, but this could change in the future.

3. Regulations by Activity :

Specific licenses/permits : Certain freelance activities like teaching, construction, or healthcare might require additional licenses or permits beyond the general freelance permit.

Professional regulations : If your work falls under regulated professions like accounting or engineering, you may need to comply with specific professional body regulations.

4. General Considerations :

Health Insurance : Having health insurance is mandatory for all residents, including freelancers.

Work Visa Sponsorship : If you’re employed full-time and freelance on the side, ensure your freelance activity doesn’t violate your work visa sponsorship restrictions.

Labor Law : While not directly covered by the UAE Labor Law, understanding basic employee rights and responsibilities can be helpful.

5. Staying Informed :

DED Websites : Both the DED and relevant Free Zone websites provide detailed information and updates on regulations for freelancers.

Consult a Professional : For specific and personalized advice, consider consulting a lawyer or legal professional specializing in UAE freelance regulations.

Remember: It’s crucial to stay updated on changes in regulations and ensure your freelance activities comply with UAE laws. By following these guidelines and conducting thorough research, you can embark on a successful and legal freelance journey in the UAE.

we hope this information might help you in any way to earn some extra cash income in uae.

Until then,

Stay safe & healthy.

Frequently asked questions (Faq’s)

15 Best Stocks to buy in dubai 2024

best stocks to buy in dubai with large market cap

Thinking of snagging a piece of that Dubai desert gold through stocks ?

Ever wonder Can you buy stocks in dubai ?

The answer is simply, “Yes” and in easy way as buying gold from Souk.

Every country has their own local stock market where people buy or sell stocks digitally now a days.In Uae ,it is emerging with the growth of the country having 3 exchanges working together and having ample amount of investments coming from the foreign investors ,institutional investors,traders,etc.

Dubai boasts three markets :

  • Dubai Financial Market (DFM),
  • Abu Dhabi Securities Exchange (ADX)
  • Nasdaq Dubai

Each has its own flavor of companies, from local giants like Emaar Properties to international heavyweights like DP World.

The Dubai Financial Market (DFM) has emerged as a significant player in the region, attracting investors seeking exposure to the dynamic UAE economy.

However, before diving into the market, it’s crucial to understand the unique landscape and conduct thorough research. This article delves into key aspects of Dubai stocks, highlighting factors to consider before making investment decisions.

Understanding Dubai Stock market Overview 2024

Performance : The DFM has witnessed a positive trend in recent years, with the DFM General Index rising steadily. However, remember that past performance is not indicative of future results.

Key Sectors : Real estate, banking, finance, and consumer staples are major contributors, reflecting Dubai’s economic strengths. Additionally, sectors like technology and healthcare are gaining traction.

Liquidity : While liquidity has improved in recent years, it’s still lower compared to some developed markets. This can impact your ability to buy and sell shares quickly.

Exchange : Dubai Financial Market (DFM) and Nasdaq Dubai are the two primary exchanges, offering equities, Sukuk (Islamic bonds), Real Estate Investment Trusts (REITs), and more.

Market Capitalization : As of January 2024, the combined market cap stands at roughly USD 130 billion, with DFM dominating.

Market Structure : The DFM primarily features ordinary shares, Sukuk (Islamic bonds), and Exchange Traded Funds (ETFs). Market capitalization stands at around $89 billion, with a strong presence of local and regional companies.

Recent Performance : The DFM has witnessed positive performance in recent years, with the DFM General Index rising steadily. However, market fluctuations are inevitable, and understanding historical trends is crucial.

Points to consider before investing in Dubai stock Market

Company Analysis :

Financials : Scrutinize the company’s financial statements, including revenue growth, profitability, debt levels, and cash flow. Look for a sustainable business model with a clear path to profitability.

Management : Assess the management team’s track record, experience, and qualifications. Strong leadership is vital for navigating challenges and capitalizing on opportunities.

Industry Trends : Understand the industry’s overall health, growth prospects, and potential risks. Look for companies well-positioned to benefit from industry tailwinds.

Valuation :

Price-to-Earnings Ratio (P/E Ratio) : Compare the company’s P/E ratio to its industry peers and historical averages. A high P/E ratio might indicate the stock is overvalued, while a low P/E could signal undervaluation.

Dividend Yield : Consider the company’s dividend history and payout ratio. Dividends provide regular income, but prioritize companies with sustainable dividend policies.

Risk Tolerance :

Individual Risk Profile : Assess your own risk tolerance and investment goals. Dubai stocks can be volatile, so align your investments with your risk appetite.

Market Volatility : Be aware of the inherent volatility of the DFM and broader market conditions. Diversification across sectors and asset classes can mitigate risk.

Regulation and Compliance :

Understand the regulations : Familiarize yourself with the DFM’s trading rules, disclosure requirements, and investor protection mechanisms.

Brokerage Selection : Choose a reputable and licensed broker with a strong track record and transparent fees.

15+ stocks to buy in dubai with large Market Cap 2024

1. Emaar Properties PJSC


MARKET CAP : 68.05 Billion Aed

EPS : 0.52

SECTOR : Real estate

2. Dubai Islamic Bank P.J.S.C.


MARKET CAP : 46.181 Billion Aed

EPS : 0.53

SECTOR : Banking

3. Emirates NBD PJSC


MARKET CAP : 111.804 Billion AED

EPS : 1.38

SECTOR : Banking

4. Dubai Taxi Co PJSC


MARKET CAP : 5.725 Billion Aed

SECTOR : Transport services

5. Emirates Integrated Telecommunications Co PJSC


MARKET CAP : 26.06 Billion Aed

SECTOR : Telecommunications

6. Dubai Electricity and Water Authority (PJSC)


MARKET CAP : 122 Billion Aed

SECTOR : Utilities

7. Emirates Islamic Bank PJSC 


MARKET CAP : 40.185 Billion Aed

EPS : 0.15

SECTOR : Banking

8. National Central Cooling Company PJSC


MARKET CAP : 9.389 Billion Aed

EPS : 0.2110

SECTOR : Public sector

9. Salik Company PJSC



SECTOR : Transport



MARKET CAP : 28.36 Billion Aed

SECTOR : Real estate

11. Dubai Financial Market P.J.S.C.


MARKET CAP : 10.554 Billion aed

EPS : 0.0130

SECTOR : Finance

12. Dubai Investments PJSC


MARKET CAP :10.077 Billion Aed

EPS : 0.1460

SECTOR : Real estate

13. Mashreqbank PSC


MARKET CAP : 41.12 Billion Aed

EPS : 5.00

SECTOR : Banking

14 . Air Arabia PJSC


MARKET CAP : 13.86 Billion Aed

EPS : 0.1540


15. Al Ansari Financial Services PJSC 


MARKET CAP : 8.025 Billion Aed

Sector : Financial Services

Aboev 15 high value market stocks in DFM (Dubai Financial Market) 2024 will help you valuate your invetsments in Major big companies and some 21 brokers which we have listed it for you (click)

Investor To do checklist :

  • Define your investment goals and risk tolerance.
  • Conduct thorough research on the DFM and Nasdaq Dubai markets.
  • Analyze potential sectors and identify promising companies.
  • Evaluate individual company fundamentals and valuations.
  • Assess the liquidity and volatility of your chosen stocks.
  • Stay informed about economic news, regulations, and market trends.
  • Consider seeking professional financial advice if needed.

Bonus Tips :

Stay Informed : Keep up-to-date with market news, company announcements, and economic developments that could impact your investments.

Seek Professional Advice : Consider consulting a financial advisor for personalized guidance based on your unique circumstances and investment goals.

Start Small : Begin with smaller investments to gain experience and confidence before committing larger sums.

Remember, investing in any stock market carries inherent risks.

By conducting thorough research, understanding the Dubai market’s nuances, and carefully considering your individual circumstances, you can make informed investment decisions and navigate the exciting opportunities the DFM presents.

We hope this might add some value in your stock market knowledge in UAE.

Keep tune in to DXBIFY ,as we are about to bring some free stock market courses for you very soon.

Until then,

Stay safe and secure.

Disclaimer : This article is for informational purposes only and should not be considered financial advice. Please consult with a qualified financial advisor before making any investment decisions.Dxbify will not be responsible for your financial investments.

Frequently asked questions (Faq’s)

25 Most Powerful Passport Ranking 2024 full list

world most powerful passport ranking index ranking full list

Imagine your passport as a magical key that unlocks doors to different countries around the world. The more doors it opens, the “more powerful” it is, right ?

That’s basically what the World’s Most Powerful Passport Index Ranking tells you!

This ranking is like a giant scoreboard, showcasing which passports grant the most travel freedom.

The top passports are basically golden tickets, letting you waltz into dozens of countries without needing a visa beforehand.

Pretty cool, huh ?

How does passport ranking index works ?

Think of it like counting how many friends your passport has made. Each visa-free country it pals with gets it a point. The passport with the most friends, or visa-free destinations, wins the crown !

But it’s not just about counting.

The ranking also considers things like how easy it is to get visas for the remaining countries and how long you can stay without one.

Now, who can join this cool passport party ?

Every single passport in the world gets invited !

From tiny island nations to giant continents, everyone participates. It’s a fair competition, no matter how big or small the country is.

How is it decided ?

This isn’t a popularity contest, it’s all about data !

Researchers use information from a special database that tracks visa requirements for all countries. They then count how many countries each passport holder can visit without needing to apply for a visa or get one upon arrival.

The country with the most visa-free destinations gets the top spot, and the list goes down from there.

But wait, there’s a catch!

Just like not everyone wins gold at the Olympics, some passports don’t rank as high.

This could be because they don’t have many visa-free agreements with other countries, or maybe getting visas for the rest is a real headache.

So, why is this ranking important ?

Well, if you’re a travel bug who loves exploring new places, having a top-ranked passport opens up a world of possibilities.

Having a powerful passport can be a huge advantage. It means you can travel more freely, explore new places, and connect with different cultures without the hassle of visa applications.

It can also make it easier to do business internationally.

Plus, it’s kind of like a superpower !

Imagine bragging to your friends, “My passport can get me into 180 countries without even asking!” Pretty impressive, right ?

Remember, this ranking is just a guide.

Things to remember

  • The rankings change all the time, so what’s powerful today might not be tomorrow.
  • The score isn’t everything! Some countries might have lower scores but offer easier visa processes or longer visa stays.
  • It’s just one factor to consider when planning your travels. Other things like your budget, interests, and travel goals are also important.

25 Top Most powerful Passport Ranking Index 2024

 Most powerful passport Ranking Index 2024
RankPassportVisa-free destinations
1United Arab Emirates179
2Germany, Spain, France, Italy, Netherlands178
3Sweden, Finland, Luxembourg, Austria, Switzerland177
4Denmark, Belgium, Portugal, Poland, Ireland176
5Greece, Norway, Czech Republic, United Kingdom, Hungary, South Korea175
6Singapore, Japan, Slovakia, United States, New Zealand174
7Australia, Canada, Malaysia, Israel173
8Chile, Liechtenstein, Slovenia172
9Malta, Iceland, Hungary171
10Andorra, Monaco, San Marino170
11Taiwan, Argentina, Brazil169
12Uruguay, Brunei168
13Bahamas, Seychelles167
14Saint Lucia, Antigua and Barbuda166
15Barbados, Grenada, Saint Vincent and the Grenadines165
16Dominica, Kiribati, Palau164
17Tonga, Tuvalu, Vanuatu163
18Samoa, Micronesia162
19Marshall Islands, Nauru161
20Solomon Islands, Timor-Leste160
21Kosovo, Papua New Guinea159
22Albania, Bolivia, Cambodia158
23Ghana, Morocco, Tunisia157
24Saint Kitts and Nevis, Belize, Jamaica156
25Egypt, Jordan, Kuwait155

There’s more to travel than just passport power. The most important thing is to explore new cultures, meet amazing people, and create unforgettable memories.

So, grab your passport, no matter its ranking, and start unlocking those doors to adventure!

I hope this explanation makes the World’s Most Powerful Passport Index a little easier to understand.

Now go out there and conquer the world, one visa-free country at a time !

Frequently Asked Questions (Faq’s)

Can I buy a powerful passport ?

Nope ! This ranking is about the countries themselves, not the people who hold their passports. You can’t just buy your way onto the top of the list.

Does having a powerful passport mean I can travel anywhere ?

Not quite ! Even with the top passport, there might still be a few countries that require visas. It’s always best to check the specific visa requirements for your destination before you pack your bags.

What’s the difference between a visa-free country and one with visa on arrival ?

For visa-free countries, you can just hop on a plane and go! No need to apply for anything beforehand. Visa on arrival means you get the visa when you land, but there might be a fee or some paperwork involved.

Can my passport get stronger or weaker over time ?

Absolutely ! Countries change visa rules all the time, so your passport’s power can fluctuate. Imagine it like leveling up in a game – good relationships with other countries can boost your score, while disagreements might make it dip.

what’s the best way to get a powerful passport ?

Well, you can’t exactly choose your passport (unless you’re royalty, maybe!). But you can explore citizenship options through your family history or marriage. And hey, maybe one day your home country will climb the ranks!

20 Budget Friendly EMI credit cards in Uae 2024

budget friendly EMI credit cards options in uae

Want to buy new gadget,car,dress,or anything in UAE but you don’t have money for it ?

Don’t be embarrased,we all have been there sometime.

Either it will be New Iphone payment buying from dubai mall or new House rent in dubai marina ,everything could have been transformed into small breakdown payment and now you know what we are talking about.

Are you the budgeted ones in UAE ,who are always looking for some time to pay for full payment ?

Don’t sweat it, friend !

The answer to all your questions and worries is cheap low cost EMI CREDIT CARDS in Dubai

Imagine this : you’re back from Bali, basking in the glow of sun-kissed skin and island memories. But that new surfboard whispers, “Remember me ?

And the hefty price tag ?” No need to dive into financial panic !

With an EMI card, that board (or any other splurge) can be spread across comfy monthly payments, turning your post-trip blues into “payday with a smile” kind of vibes. Think of it as your financial surfboard, keeping you afloat in the sea of post-vacation expenses.

What is EMI Credit cards ?

An EMI credit card in the UAE, or anywhere else for that matter, is a credit card that allows you to pay for your purchases in Equated Monthly Installments (EMIs).

This means instead of paying the entire amount at once, you can spread it out over a predetermined period, typically ranging from 3 to 24 months, depending on the card and the purchase amount.

How does EMI Credit card works in UAE

Make a purchase: Use your EMI credit card to make a purchase that meets the minimum eligible amount (usually around AED 3,000).

Choose your EMI plan : Select the desired EMI tenure at the checkout or through your card’s online portal.

Monthly repayments: The purchase amount is divided into equal monthly installments that you pay along with your regular credit card statement.

Interest and fees : Most EMI credit cards charge interest on the outstanding balance, though some may offer 0% interest for specific categories or limited periods. There may also be processing fees or other charges associated with using the EMI option.

Benefits of EMI credit cards

Manage large purchases : Allows you to afford bigger purchases like electronics, furniture, or even travel packages without straining your budget.

Flexibility: Choose an EMI plan that suits your repayment capacity and financial situation.

Budgeting tool : Makes budgeting easier by breaking down the cost into predictable monthly payments.

Reward points : Some EMI cards offer reward points or cashback on purchases, even when paid in installments.

Things to consider before using an EMI credit card

Interest rates : Compare interest rates across different cards to find the best deal and avoid high financing charges.

Eligibility : Check the minimum transaction amount and other eligibility criteria for using the EMI option on your card.

Debt accumulation : Don’t overspend just because you have the EMI option. Be mindful of your overall debt and spending habits.

Fees : Watch out for processing fees, late payment charges, or other potential costs associated with EMI usage.

These above points and explianation are not limited ,they can vary according to your needs ,however,basic general principle applies to all emi credit cards while applying or choosing them in UAE.

But before we start booking flights and racking up digital surfboards, let’s dive into the details. Here are 10 UAE credit cards offering sweet EMI options, each with its own set of perks and quirks :

10 Budget friendly EMI credit cards in UAE (Dubai)

1.FAB Classic Credit Card


Annual Fee – AED 250

This pocket-friendly gem lets you split purchases from AED 3,000 into EMIs, perfect for unexpected (but necessary) expenses like car repairs or that leaky roof. No judgment here, leaky roofs happen!

2. Mashreq Neo Visa Signature Credit Card

Annual Fee– AED 899

Treat yourself to a shopping spree without the guilt! This card offers 0% interest EMIs on select electronics and furniture stores, along with travel insurance and purchase protection. Now, go forth and conquer those sale racks!

3. Standard Chartered Platinum Rewards Visa Credit Card

Annual Fee -AED700

This travel enthusiast’s dream card lets you split flight and hotel bookings into EMIs, plus you earn reward points on every swipe. Double the adventure, double the joy!

4. RAKBANK Smart Traveller Credit Card

Annual Fee -AED 350

Say goodbye to airport stress! This card offers priority check-in, lounge access, and yes, you guessed it, EMIs on flight bookings. Now, boarding time becomes “relaxation time.” No more sprinting through duty-free with your hair on fire!

5. Emirates Islamic Flex Everyday Credit Card

Annual Fee : AED 250

This everyday hero lets you split purchases from AED 500 into EMIs, covering everything from groceries to that new outfit you need for (ahem) post-vacation Instagram pics. We all deserve a post-trip fashion update, right?

6. HSBC Premier Mastercard Credit Card

Annual Fee– AED 1,500

Spoil yourself with 0% interest EMIs on luxury brands and designer boutiques, access to prestigious airport lounges, and complimentary travel insurance.

7. ADCB Elite Credit Card

Annual Fee-AED 3,000

Bask in VIP treatment with dedicated concierge service, exclusive dining and entertainment offers, and up to 60 months’ EMI options on high-end purchases.

8. First Abu Dhabi Bank World Elite Mastercard Credit Card

Annual Fee-AED 1,500

Extend your gadget addiction with 0% interest EMIs on electronics and appliances, plus global Wi-Fi access and extended warranties.

9. Emirates Skywards Platinum Credit Card

Annual Fee AED 1,250

Transform business trips into tech-fueled adventures with EMIs on gadgets and electronics at select airport stores, along with priority check-in and bonus Skywards Miles.

10. RAKBank Smart Shopper Credit Card

Annual FeeAED 500

Manage family expenses like a pro with EMIs on groceries and utility bills, enjoy family-friendly travel insurance, and earn reward points on everyday purchases

Remember, friends, EMI cards are powerful tools, but like any magic, they require responsible use. Always be mindful of interest rates (which can vary) and stick to a budget.

Don’t let the siren song of endless installments lure you into a financial whirlpool. Think of it as spreading out the fun, not drowning in debt.

Below are some secret tips which I have encountered in my usage and come to know for various users and they actually saves a lot for you.

Bonus Tips Only for you

Minimum transaction amount for EMI eligibility : Some cards have a minimum amount you need to spend before you can split it into payments.

Maximum tenure for EMI repayment : This can range from a few months to a few years, so choose a card with a timeline that fits your budget.

Buy now ,Pay Later : Check for cards offering “buy now, pay later” schemes on specific platforms like Amazon or Noon, allowing you to split purchases into installments without a traditional credit card.

Interest EMI : Look for cards with 0% interest EMI offers on specific categories like travel or electronics. Score yourself a sweet deal without the sting of extra charges! Because who doesn’t love a bargain with their new surfboard?

Additional benefits : Go beyond just EMI options and highlight other perks like cashback, reward points, travel insurance, airport lounge access, etc.

Link to the card’s website for more details : Make it easy for readers to get all the nitty-gritty information.

Remember, finding the perfect EMI card is all about tailoring it to your unique lifestyle and spending habits. Don’t be afraid to shop around and compare offers before making a decision!

Overall, EMI credit cards can be a helpful tool for managing large purchases and making them more affordable, but it’s important to use them responsibly and understand the associated fees and interest rates.

I hope this EMI Credit card guide in Uae will help you out in many ways and you can bookmak this article for cross check while choosing or selecting Low cost budget friendly EMI credit cards option in dubai.

Until Then ,


Always spend responsibly !

Stay Safe and Financially Healthy.

Disclaimer : This above article blog post is for educational and informational purposes only.We do not recommend,prefer or promote any type of financial instruments.We are not responsible for your choices,Do your own research before choosing any products.

Frequently Asked Questions (Faq’s)

Can I split all purchases on my EMI card into installments ?

No, usually there’s a minimum transaction amount (typically around AED 3,000) for purchases to be eligible for EMI plans. Additionally, specific brands or categories like groceries or bills might not be included.

Do I get loyalty points even when paying in installments ?

Some cards offer reward points or cashback even on EMI purchases, but there might be different rates or exclusions compared to full payments. Check your card’s specific terms and conditions.

What happens if I miss an EMI payment ?

Missing an EMI payment can incur late payment charges and might negatively impact your credit score. Always prioritize timely repayments to avoid any penalties.

Can I combine multiple purchases into one EMI plan ?

Some cards allow for “consolidation” where you can combine existing card balances or multiple recent purchases into a single EMI plan, simplifying your repayments.

Is there a way to get 0% interest on EMI purchases ?

Yes, some cards offer limited-time promotions or specific partnerships with certain stores where you can enjoy 0% interest on EMI plans for electronics, furniture, or even travel bookings.

12 Lounge access Credit Cards in Uae 2024

best lounge access credit cards in uae

Imagine this : you’re at Dubai International Airport ! you’re sprinting through a bustling airport, juggling overflowing suitcases and a toddler with the energy of a jet engine.

The clock mocks you, your flight boarding in a heartbeat.

Your dream vacation is on the brink of meltdown and you’re already fed up before even starting.

But wait,

What if there was a secret portal, a haven beckons – a sanctuary of calm amidst the chaos, a portal to pre-flight serenity.

A haven of calm Wi-Fi, complimentary refreshments, and comfy armchairs, where you can sip your latte and prep for your adventure in peace.

This, my friend, is the magic of airport lounge access , and in the UAE, it’s a perk waiting to be unlocked with the right credit card.

Enter the world of airport lounges, and the key that unlocks them ?

Your trusty credit card.

For frequent flyers and travel enthusiasts in the UAE, navigating the multitude of lounge access credit cards can be overwhelming.

Fear not, weary traveler, for we’ve compiled a comprehensive guide to 12 top-tier Lounge Access credit cards from UAE banks, offering your passport to lounge serenity in 2024.

Before that we will also guide you through on benefits and How to check the best Lounge access credit for your needs.Ready ?

What to Check Before Applying Lounge Access Credit cards in Uae

how to apply credit card in dubai uae

1. Lounge Access Network

Not all cards offer access to the same lounges. Look for cards partnered with networks like Priority Pass, DragonPass, or LoungeKey, which provide access to hundreds of lounges worldwide.

2. Annual Fee and Spending Requirements

Lounge access often comes with an annual fee and minimum spending requirements. Choose a card that aligns with your travel frequency and budget.

3. Benefits and Rewards

Don’t just focus on lounge access. Consider other card benefits like travel insurance, purchase protection, cashback, or loyalty program points.

4. Interest Rates and Fees

Understand the card’s interest rate and fees, particularly if you’re not planning to pay your balance in full each month.

5. Usage Policies and other Conditions

All these above points will navigate you in getting the best lounge access credit card in Uae.

Benefits of Lounge Access Credit Cards

Escape the Crowds : Bid farewell to overflowing terminals and screaming toddlers. Lounges offer a tranquil oasis with comfortable seating, complimentary refreshments, Wi-Fi, and sometimes even spa treatments.

Prioritize Your Time : Skip the long queues and enjoy priority check-in, boarding, and baggage handling. Lounge access saves you precious time and reduces travel stress.

Elevate Your Experience : Enjoy complimentary food and beverages, from gourmet snacks to international buffets. Some lounges even offer showers, entertainment systems, and business centers.

Boost Your Travel Rewards: Many lounge access cards offer bonus miles or points on travel and dining, accelerating your journey towards your next dream destination.

These are few benefits of using Lounge access credit cards ,however,they are not limited as well.You may find many cards having ample amount of benefits to use like

12 Best Lounge access credit cards in Uae 2024

1. HSBC Black Credit Card

HSBC Lounge access credit card uae

Annual Fee : AED 1500

Unrivaled luxury awaits with unlimited access to over 1,200 lounges worldwide, chauffeur service in Dubai, and a dedicated travel concierge.

2. Citibank Emirates Ultima Credit Card

citibank emirates ultima credit card

Annual Fee : AED 3000

Enjoy unlimited lounge access, 2.5 Skywards Miles per AED spent, and complimentary Silver membership with Emirates, along with a sleek metal card.

Check out Weblink : https://www1.citibank.ae/credit-cards/travel/emirates-citibank-ultima-mastercard

3. Standard Chartered Visa Infinite Credit Card

Standard Chartered Visa Infinite Credit Card

Annual Fee : AED 1575

Relax in over 1,000 lounges globally, earn Priority Pass Select membership, and enjoy travel insurance and purchase protection.

Check out Weblink : https://www.sc.com/sg/credit-cards/visa-infinite-card/

4. ADCB Travellers Credit Card

ADCB travellers credit card

Annual Fee : AED 1050

Access over 650 lounges worldwide, earn 1.25 Etihad Guest Miles per AED spent, and enjoy travel insurance and purchase protection.

Check out Weblink : https://www.adcb.com/en/personal/cards/credit-cards/traveller-credit-card

5. Mashreq Bank Solitaire Credit Card

Mashreq Bank solitaire credit card

Annual Fee : AED 1500

Unwind in over 1,000 lounges, earn 1.5 Mashreq Miles per AED spent, and benefit from travel insurance, purchase protection, and hotel discounts.

Check out Weblink : https://www.mashreqbank.com/en/uae/neo/cards/credit-cards/solitaire-credit-card/

6. Emirates Islamic Bank Flex Elite Credit Card

emirates islamic bank flex elite credit card

Annual Fee : AED 700

Enjoy access to over 850 lounges, earn 1 Skywards Mile per AED spent, and benefit from travel insurance and purchase protection.

Check out Weblink : https://www.emiratesislamic.ae/en/personal-banking/cards/credit-cards/flex-elite-card

7. FAB Cashback World Mastercard Credit Card


Annual Fee : AED 315

Relax in over 1,000 lounges, earn 1% cashback on all spends, and enjoy purchase protection and travel insurance.

Check out Weblink : https://www.bankfab.com/en-ae/personal/credit-cards/cashback-credit-card

8. Deem Mastercard Titanium Cash Up Credit Card

Deem Mastercard Titanium Cash Up Credit Card

Annual Fee : AED 200

Earn 1% cashback on all spends and gain access to over 1,000 lounges through the Deem app, along with travel insurance and purchase protection.

Check out Weblink : https://deem.io/cards/titanium-cash-up

9. Emirates Skywards Platinum Credit Card

Emirates Skywards Platinum Credit Card

Annual Fee : Varies

Earn Skywards Miles on spends and access over 850 lounges with Silver membership. Annual fee varies depending on spending threshold.

Check out Weblink : https://www.emirates.com/us/english/book/about-booking-online/payment-options/

10. Dubai Islamic Bank Makkah Miles World Mastercard Credit Card

Annual Fee : Varies

Earn Makkah Miles on spends and access over 700 lounges with Silver membership. Annual fee varies depending on spending threshold.

Check out Weblink : https://www.dib.ae/personal/cards

11. RAKBANK Platinum Mastercard Credit Card

RAKBANK Platinum Mastercard Credit Card

Annual Fee : AED599

Earn RAKPoints on spends and access over 600 lounges with Priority Pass Select membership.

Check out Weblink : https://www.rakbank.ae/en/cards/credit-cards

12. First Abu Dhabi Bank World Elite Mastercard Credit Card

First Abu Dhabi Bank World Elite Mastercard Credit Card

Annual Fee : AED 595

Earn FAB Rewards points on spends and access over 1,000 lounges with Priority Pass Select membership.

Check out Weblink : https://www.bankfab.com/en-ae/personal/credit-cards/fab-world-elite

These 12 Lounge access credit cards can help you in your easy travelling through airports and some tips which you should remember while using cards are listed as below .

Important Tips for Lounge Access Credit Cards Usage

Check Lounge Availability : Lounge access can be limited during peak hours. Book your lounge visit in advance, especially if traveling with a large group.

Dress Code : Some lounges have dress codes, so pack accordingly. Avoid ripped jeans, athletic wear, or overly revealing clothing.

Etiquette : Respect the lounge environment. Be mindful of noise levels, avoid monopolizing seating, and dispose of your trash properly.

Maximize Your Benefits : Take advantage of all the lounge amenities, from complimentary food and drinks to Wi-Fi and business facilities.

Read this also : Best credit cards in dubai for low salary

15 Make Money online apps to earn instant cash online in Uae

Remember, the perfect lounge access credit card is a personal choice.

Carefully consider your travel habits, budget, and desired benefits before making your decision. With the right credit card in hand, you can transform your airport experience from a stressful ordeal to a luxurious prelude to your journey.

Final not the last ,It is one’s individual choice to have lounge access credit cards according to their financial stabilty and other requirements,If you can avoid the extra expenditures which comes along with the credit cards then why not .

Use the free way and become smart and responsible for your travels.

We hope this guide will help you in any way and make a difference in your life as you travel through airports on big journey’s.

Until then,

Voila ! Stay safe and Healthy.

See you on the other side.

Disclaimer : This blog post is for informational purposes only and does not constitute financial advice. Please consult a qualified financial advisor for personalized guidance before applying for any credit card.Do your own research.


Frequently Asked Question (Faq’s)

How much do lounge access credit cards cost in the UAE ?

Annual fees vary depending on the card and its benefits. Expect anything from AED 315 for limited lounge access to AED 3,000 for unlimited access and premium perks like travel insurance and bonus miles.

Do all credit cards in UAE offer lounge access ?

No, not all credit cards in the UAE offer lounge access. Look for cards with partnerships with networks like Priority Pass, DragonPass, or LoungeKey, which grant access to hundreds of lounges worldwide.

What’s the cheapest way to get lounge access in UAE airports ?

Some mid-tier cards offer limited lounge access through networks like LoungeKey at lower annual fees, like the ADCB Travellers Card (AED 1,050) or the FAB Cashback Credit Card (AED 315). Consider your travel frequency and desired benefits before choosing a card.

Do I need to spend a certain amount to get lounge access with my credit card?

Some cards require minimum monthly or annual spending to maintain lounge access privileges. Check the card’s terms and conditions before applying.

Is it possible to get lounge access credit cards in Aed 5000 salary ?

Yes,if you are able to pay the annual fees of credit cards then you can have any.

Betboom Dacha Dubai 2024 : All you need to know

betboom dacha dubai 2024 | bb dacha dubai

Yo, Dota 2 fanatics !

Buckle up, because BetBoom Dacha Dubai 2024 is about to unleash a sandstorm of epic esports action !

BetBoom Dacha Dubai 2024 : Gear Up for Dota 2 Glory in the Sands!

Mark your calendars for February 4th to 16th 2024, where the desert heat will rise with the intensity of each clash. This ain’t your average pub stomp – we’re talking Tier 1 throwdowns, $1 million USD on the line, and the chance to witness legends forge their destiny under the Dubai sun.

BetBoom Dacha is an esports tournament series focused on the popular video game Dota 2. It’s organized by FISSURE and BetBoom Esports, with the next major event being BetBoom Dacha Dubai 2024.

So, who’s ready to rumble ?

Brace yourselves for a clash of titans as 12 of the world’s finest Dota 2 teams descend upon the sandy battlefield. We’re talking OG, Team Liquid, Virtus.pro, beastcoast, and a whole bunch of other squads hungry for glory.

But wait, there’s more !

To grab a spot in this desert spectacle, teams have to battle through regional qualifiers.

The EEU and CN/SEA dust-ups are already underway, and the NA/SA showdown is just around the corner. Buckle up for some nail-biting action, folks, because every match is a heart-stopping dance on a knife’s edge.

Now, let’s break down the battleplan :

Important Points to know about Betboom dacha Dubai 2024

Here are some key details about BetBoom Dacha Dubai 2024 :

Tier 1 tournament : This means it’s one of the most prestigious and competitive Dota 2 events in the world.

$1 million USD prize pool : A significant amount of money that attracts top teams and players.

Dubai, UAE : The next event, BetBoom Dacha Dubai 2024, will take place from February 4th to 16th, 2024.

12 teams : The best Dota 2 teams from around the world will be invited to compete.

Double-elimination bracket : This format ensures that every team has a chance to make a comeback and win the tournament.

The current focus is on the qualifiers for the Dubai event, with the EEU Closed Qualifier having just concluded on January 10th, 2024.

The CN and SEA Closed Qualifier is ongoing until January 15th, 2024.

Bet Boom Dacha Dubai 2024 Tickets

Tickets for the event are on sale now and can be purchased through the official BetBoom website. There are a variety of ticket packages available, ranging from single-day tickets to VIP packages that include access to exclusive events and meet-and-greets with the players.

Here are the different ticket packages available :

BetBoom Dacha Dubai 2024 Single-day tickets : AED 50 (around $13.50)

BetBoom Dacha Dubai 2024 Group stage pass : AED 150 (around $40.50)

BetBoom Dacha Dubai 2024 Playoffs pass : AED 250 (around $67.50)

BetBoom Dacha Dubai 2024 VIP package : AED 500 (around $135)

The VIP package includes:

  • Access to all matches, including the finals
  • Access to the VIP lounge
  • Meet-and-greet with the players
  • Autographed merchandise
  • Food and drinks

Note : You can buy tickets from official Betboom website

BetBoom Dacha Dubai 2024 Teams

Here are some of the teams that will be competing in BetBoom Dacha Dubai 2024 :

  • Team Spirit
  • Team Liquid
  • LGD Gaming
  • BetBoom Team
  • Aurora
  • Gaimin Gladiators
  • Xtreme Gaming
  • Azure Ray
  • Virtus.pro
  • Nouns Esports


 Double-elimination bracket. This ain’t no one-and-done fiesta – even if you stumble early, you get a shot at redemption.


  • Twelve teams
  • Seven teams invited
  • Five teams from regional qualifiers

Group Stage – February 4 – February 8, 2024

Teams fight it out in a round-robin format, testing their mettle against everyone. Expect mind games, clutch plays, and strategies hotter than the Dubai sun.

  • Two single round-robin groups of six teams each
  • All series consist of two games
  • Top four teams from each group advance to upper bracket of playoffs
  • Remaining teams are eliminated

Playoffs – February 11 – February 16, 2024

  • Double-elimination bracket
  • All matches except Grand Final are Bo3
  • Grand Final is Bo5


The stakes rise as the top contenders face off in a brutal, high-pressure gauntlet. Every kill, every objective, will send chills down your spine and have you cheering like a possessed sand-djinn.

Grand Finals

Buckle up for the ultimate showdown. The two best teams on the planet collide in a best-of-five series that’ll push their skills to the limit. Witness history unfold as a new Dota 2 champion is crowned under the desert stars.

And if that wasn’t enough, here’s some extra spice:

Prize pool

Did I mention $1 million USD? Yeah, that’s enough gold to buy a whole oasis, a private sandcastle, and maybe even a pet camel (don’t tell PETA).


Dubai ! Prepare for glitz, glam, and esports action hotter than a shawarma fresh off the grill.


Catch every glorious moment live on Twitch, YouTube, and all your favorite platforms. Don’t miss a single pixel of epic Dota 2 magic!

But BetBoom Dacha Dubai 2024 ain’t just about pixelated heroes and million-dollar dreams. It’s a celebration of the Dota 2 community !

Expect cosplay so good it’ll make Rubick envious, fan events that’ll rival TI9’s afterparty, and enough swag to fill a Pudge inventory with treasures.

So, Dota nerds, esports enthusiasts, and anyone who appreciates a good digital brawl, mark your calendars, grab your snacks, and get ready to cheer for your favorite teams ! BetBoom Dacha Dubai 2024 promises to be a mind-blowing spectacle, a desert oasis of Dota 2 magic that’ll leave you breathless and begging for more.

So, there you have it, folks.

BetBoom Dacha Dubai 2024 is shaping up to be an esports extravaganza you won’t want to miss.

Get ready to witness history in the making, cheer your favorite teams on, and maybe even learn a thing or two about ancient Egyptian curses (just kidding… unless ? ) .

Remember, this is just a starting point. Dig deeper, explore the teams, players, and storylines. Chat with fellow fans online, place some friendly bets (safely, of course!), and soak up the hype. After all, the journey to the main event is half the fun!

See you in the desert,

Dota 2 fanatics ! Let’s make this a clash for the ages !

NOTE : Don’t forget to check out the BetBoom Dacha website for all the latest updates, schedules, and juicy behind-the-scenes content. Trust me, you won’t regret it!

How to get Credit card in Uae 2024 – All you need to know

how to get credit card in uae

Remember the days of haggling over ten dirhams at the souq, meticulously budgeting your samosas and shawarma ?

Those days are fading, replaced by the sleek tap of a plastic rectangle promising instant gratification (and maybe a few travel miles to boot).

Yes, we’re talking about credit cards, the coveted gateway to a world of financial freedom and, let’s be honest, some seriously tempting rewards.

But navigating the UAE’s credit card landscape can feel like trekking across the Rub’ al Khali – vast, confusing, and potentially scorching hot on your wallet.

Fear not, intrepid spenders !

This comprehensive guide is your trusty camel, leading you through the oases of eligibility, documents, charges, and benefits, all the way to a seamless credit card application in 2024.

So, tighten your kandura (or sundress, no judgment here), and get ready to unlock a world of financial possibilities, one swipe at a time.

Conquering Credit in the UAE : Your 2024 Guide to Getting a Credit Card

14 best credit cards in dubai uae for salary 5000

In the bustling financial hub of the UAE, having a credit card isn’t just convenient, it unlocks a world of benefits and rewards.

But navigating the application process can seem daunting. Fear not, savvy spenders ! This comprehensive guide will equip you with the knowledge and tactics to conquer credit in the UAE in 2024.

Credit Card Eligibility in UAE 2024

Before diving into applications, let’s check if you meet the basic criteria :

  • Age : Most banks require you to be at least 21 years old.
  • Salary : The minimum salary varies depending on the card, but generally ranges from AED 3,000 to AED 5,000.Some cards may have higher thresholds.
  • Employment : You must be a salaried employee or self-employed with a proven income source.
  • Residency : Holding a valid UAE residency visa is essential.
  • For Business Holders : Verified business owners with trade licenses under their name.

Documents required for Credit Card in UAE

  • Emirates ID : Your key to identification in the UAE.
  • Salary certificate or Proof of Income : Verifies your income and satisfies employer confirmation.
  • Bank statements : The past 3-6 months paint a picture of your financial stability.
  • Passport copy : For additional identification and residency verification.
  • Employment or Labour Contract (if applicable)
  • Other documents : Specific cards may require additional proofs like trade licenses for self-employed individuals.
  • Any other documents requested by the specific bank.

Credit Card Fees & Rates in UAE : What to Expect

how to apply credit card in dubai uae

Annual fee : Many cards charge an annual fee, ranging from AED 250 to AED 5,000 or more. Consider this when choosing a card.

Interest rate : This is the rate you’ll pay on unpaid balances. Look for cards with low APRs (Annual Percentage Rate) and avoid exceeding your credit limit.

Late payment fees : These can be hefty, so ensure you can make timely repayments.

Foreign transaction fees : If you use your card abroad, you may incur additional charges.


The UAE credit card scene is a treasure trove of perks! Here are some common benefits :

  • Cashback : Earn a percentage back on your spending, boosting your budget.
  • Travel miles : Accumulate miles for flights, upgrades, and hotel stays.
  • Lounge access : Relax and indulge in airport lounges before your next adventure.
  • Insurance : Enjoy complimentary travel insurance and purchase protection.
  • Discounts and offers : Unlock exclusive deals and partnerships with various brands.

Step-by-Step Process to get credit card in Uae | How to apply

Step 1 :Compare,Research and choose

Research different cards and compare their features, fees, and benefits. Use online comparison tools or consult financial advisors for personalized recommendations.

Step 2 : Pre-Qualify

Many banks offer online pre-qualification tools that give you an indication of your approval chances without impacting your credit score.

Step 3 : Gather all required Documents

Ensure you have all the required documents readily available.Check the list above and be ready before you apply.

Note : In case if you need salary certificate ,Ask from your HR.

Step 4 : Apply online or in person .Fill your Application Form.

 Most banks offer online application forms, making the process quick and convenient.
Alternatively, you can visit a bank branch and speak with a representative.

Step 5 : Review the details and submit your credit card application.

Carefully review the application form before submitting it for all the charges and other terms.. Double-check your information and ensure all documents are attached.

Step 6 : Wait for verification and approval via phone call

Banks typically take a few days to process applications. You’ll be notified via email or phone call about the decision.A bank representative will call you for verification .He will ask all the details and cross verify them with you over phone call.

Note : In case of rejection ,You will be notified of a reason and then you can apply again after you fulfill the criteria.

Step 7: Your credit card is approved and activate it .

Once approved, you’ll receive your credit card and activation instructions through email and welcome brochure with credit card manual.

7 Tips before applying Credit Card in Uae

Focus on building a good credit score : Maintain a healthy credit score by paying bills on time and keeping your credit utilization ratio low.

Choose a card with benefits you’ll use : Don’t get swayed by high rewards if they don’t align with your spending habits.

Read the fine print : Understand all fees, charges, and terms and conditions before signing up.

Use a budget and track your spending :  Avoid overspending and ensure you can afford your monthly payments.

Start with a low-limit card : If you’re new to credit, consider a card with a lower credit limit to build your credit history..

Don’t apply for too many cards at once : Multiple applications within a short period can negatively impact your credit score.

Responsible use : Use your credit card responsibly by paying your bills on time, keeping your spending within limits, and avoiding unnecessary debt.

With this roadmap in hand, conquer the UAE’s credit card landscape and unlock a world of financial flexibility and rewarding experiences. Remember, responsible credit usage is key to making the most of this powerful tool. So, spend smart, reap the rewards, and enjoy the financial freedom that comes with using a credit card wisely in the UAE!

I hope this detailed blog post provides you with valuable information and helps you navigate the process of getting a credit card in the UAE in 2024.

Please feel free to ask if you have any further questions on ask@dxbify.com.

Until then,

Stay Safe and Healthy.

See you on the other side.

Disclaimer : This blog post is for informational purposes only and does not constitute financial advice. Please consult a qualified financial advisor for personalized guidance before applying for any credit card.


Dubai vs Sydney 2024 : Which one is better ?

dubai vs sydney which one is better to live

Dubai vs Sydney : In this detailed guide,we will let you choose between dubai or sydney and decribe in detail which one is better for you to plan your stay.

Choosing between Dubai and Sydney is like picking between a dazzling diamond and a serene pearl.

Both cities shimmer with unique charm, but their appeal lies in vastly different facets.

So, whether you’re a thrill-seeking adventurer or a nature-loving soul, let’s dive into a head-to-head comparison to see which city ignites your wanderlust.

Sun-Kissed Shores vs. Harborside Charm – Which City Wins Your Heart ?

12 Comparision Points between Dubai vs Sydney | Compare

Climate :

Dubai : Brace for scorching summers, with temperatures soaring above 40°C. Winters offer respite, dipping to around 20°C, but sunshine reigns supreme year-round.

Sydney : Sydney boasts a temperate climate, with warm summers (around 25°C) and mild winters (around 15°C). Expect sunshine, but also occasional rain showers.

Culture :

dubai vs sydney culture

Dubai : Immerse yourself in the cultural tapestry by visiting the Sheikh Mohammed Centre for Cultural Understanding, attending a desert falconry show, or joining a traditional dhow cruise. For history buffs, the Dubai Museum and Al Fahidi Historical District offer insights into the city’s past.

A melting pot of cultures, Dubai showcases Islamic traditions alongside a cosmopolitan vibe. Expect opulent mosques, vibrant souks, and glitzy skyscrapers.

Sydney : Explore the Rocks district, where convict history comes alive. Take a ferry to Cockatoo Island, a former convict prison turned.

Sydney’s laid-back Aussie culture blends European influences with Indigenous heritage. Immerse yourself in art galleries, harborside festivals, and the iconic Bondi Beach scene.

Cost of Living :

Dubai : Dubai offers a tax-free haven, but overall expenses can be high, particularly for housing and dining.

Sydney : Sydney boasts a higher living cost than Dubai, especially for everyday items. However, public transport and healthcare are more affordable.

Architecture :

dubai vs sydney architecture

Dubai : Prepare to be awestruck by towering skyscrapers, man-made islands, and futuristic structures like the Burj Khalifa. Dubai is a playground for architectural wonders.

Sydney : Sydney’s skyline features a blend of colonial heritage buildings, modern skyscrapers, and iconic landmarks like the Sydney Opera House and Harbour Bridge. A harmonious mix of old and new.

Outdoor Activities :

Dubai : Desert safaris, dune bashing, and diving in the Arabian Sea are just a few of Dubai’s adrenaline-pumping adventures. But be prepared for limited green spaces.

Sydney : Sydney’s natural beauty is unparalleled. Hike through national parks, surf the waves at Bondi Beach, or kayak through the harbor. Green spaces abound, offering an escape from the urban buzz.

Food Scene :

dubai vs sydney food

Dubai : Dubai’s culinary scene is a global smorgasbord, with Michelin-starred restaurants alongside street food stalls offering everything from Emirati delicacies to international fare.

Sydney : Sydney’s multicultural melting pot translates into a diverse culinary landscape. From fresh seafood and barbeque to Asian fusion and European delights, your taste buds will be in for a treat.

Nightlife :

dubai vs sydney nightlife

Dubai : Beyond the glamorous nightclubs, explore the hidden gems of Dubai’s nightlife scene. Catch a local band at The Fridge, sample craft beers at Soho Garden Palm Jumeirah, or experience the unique shisha lounges scattered throughout the city.

 Dubai boasts extravagant nightclubs, rooftop bars, and high-end lounges, offering a vibrant and glamorous nightlife scene. Prepare for late-night shenanigans.

Sydney: Sydney’s nightlife caters to diverse tastes. Whether you’re looking for intimate jazz bars in Surry Hills, rooftop bars with stunning views of the harbor, or late-night comedy clubs, you’ll find something to keep you entertained.

Sydney’s nightlife is more diverse, with live music venues, casual pubs, and trendy cocktail bars catering to different tastes. Enjoy a relaxed atmosphere with a focus on socializing.

Shopping :

Dubai : Dubai is a shopper’s paradise, with luxury malls overflowing with designer brands. Haggling is a must in the souks, where you can find unique souvenirs and spices.

Sydney : Sydney offers a mix of high-end boutiques, independent shops, and bustling markets. Bondi Beach has its own unique surf-inspired fashion scene.

Family Friendliness :

Dubai : Beat the heat at indoor theme parks like IMG Worlds of Adventure or Dubai Mall’s VR Park. Cool off at Wild Wadi Waterpark or Aquaventure, home to the world’s highest waterslide. The Dubai Aquarium & Underwater Zoo is a must-visit for families.

 Dubai offers theme parks, water parks, and kid-friendly activities, making it a great family destination. However, the scorching summers can be challenging for young children.

Sydney : From Taronga Zoo to Luna Park amusement park, Sydney offers plenty of thrills for young minds. Explore the Australian Museum or take a ferry to Darling Harbour for family-friendly restaurants and activities. For outdoor adventures, head to the Royal National Park or Featherdale Wildlife Park.

Sydney’s beaches, parks, and museums are perfect for families. The mild climate and easy access to nature make it a child-friendly haven.

Hidden Gems :

Dubai: Venture beyond the glitz and discover hidden gems like Hatta Dam, nestled amidst the Hajar Mountains, or Alserkal Avenue, a hub for contemporary art and creative enterprises.

Sydney: Beyond the iconic landmarks, explore hidden coves like Milk Beach in Vaucluse or discover the vibrant Glebe Markets. Take a scenic walk through Centennial Park or explore the sandstone rock formations of Ku-ring-gai National Park.

Public Transportation :

dubai vs sydney transportation

Dubai : Dubai’s metro is efficient and modern, but taxis are often the preferred mode of transport. Walking can be challenging in the heat.

Sydney : Sydney boasts a well-connected public transport system, including buses, trains, and ferries. Cycling and walking are popular options for exploring the city.

Accessibility :

Dubai : Dubai is generally wheelchair-accessible, but some older buildings and areas may pose challenges.

Sydney : Sydney is well-equipped for wheelchair users, with ramps, lifts, and accessible public transport.

So, who wins ?

Which one is better – Dubai or Sydney ?

The truth is, there’s no clear winner. Both Dubai and Sydney offer unique experiences that cater to different preferences. Dubai is for the thrill-seekers who crave luxury, adventure, and a taste of the future. Sydney is for the nature lovers who appreciate laid-back vibes, stunning scenery, and a vibrant cultural scene.

Ultimately, the choice between Dubai and Sydney depends on your personal priorities :

For adventure seekers and luxury lovers : Dubai offers unparalleled opulence, adrenaline-pumping activities, and a futuristic vibe.

For nature enthusiasts and laid-back souls : Sydney’s stunning scenery, relaxed atmosphere, and diverse cultural offerings create a charming escape.

By considering your interests and desired experiences, you can choose the city that will ignite your wanderlust and create unforgettable memories. So, pack your bags, embrace the adventure, and let Dubai or Sydney capture your heart !

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I hope this expanded information helps you make your decision !

Anyways ,why not explore both for sometime and decide to go further.

Until then,

See you on the other side.

Frequently Asked Questions (Faq’s)

Do you require visa to travel to dubai and sydney ?

Yes according to your nationality and visa requirements,you can apply visa before visiting.

Which city is cheaper between dubai and sydney ?

We consider dubai as cheaper than sydney on various factors.

Which city is better for families ?

Both cities are safe and serve the best purpose for everyone.however,according to your needs,it is advised to check places.

Which city is hotter,dubai or sydney ?

Dubai : scorching summers with temperatures soaring above 40°C. Winters are milder, but sunshine reigns year-round.
Sydney: temperate climate with warm summers (around 25°C) and cool winters (around 15°C). Expect sunshine with occasional rain showers. Think pleasant days and breezy nights.

How to get Business loan in Uae 2024-Application process,eligibility,documents,interest rates

how to get business loan in uae

A detailed step by step guide on how to get business loan in Uae with eligibility,Documents required ,interest rate,Loan tenure,interest tenure and everything you need to know about business loan in uae.

So, you’ve got a killer business idea buzzing in your head, ready to take Dubai (or maybe the whole Emirate!) by storm.

But, like any good superhero, even the most incredible ventures need a little financial fuel to truly ignite.

That’s where the mighty business loans in UAE comes in, your trusty steed on the journey to entrepreneurial glory.

But hold on, before you saddle up and charge into the nearest bank, let’s navigate this loan landscape with a clear head and a well-equipped backpack.

This guide will help you answering all your questions regarding business loan eligibility in uae ,documents,interest rates ,etc.You name it we will answer it.

Securing a business loan in the UAE can be your launchpad to success, and this guide will equip you with the knowledge to navigate the process like a pro.

Lets start with ease then.

Eligibility for business loan in UAE

Before you start applying, check if you tick the boxes for loan-worthiness. Most banks in the UAE have similar criteria, but it’s always good to double-check with your chosen lender. Here’s a general rundown:

Financial Health : A healthy track record of profitability and positive cash flow is key.

Nationality : Some banks have specific requirements for UAE nationals vs. expats.

Business Type : Most banks lend to established businesses (usually operating for at least 2 years) across various sectors like trading, manufacturing, and services. Some cater to startups and specific industries, so explore your options.

Registered companies, sole proprietorships, and free zone entities are generally welcome.

Credit Score : A squeaky-clean credit history for both the business and its owners is a big bonus. Check your credit report and address any issues before applying.

Collateral : Secured loans often require collateral like property or equipment. This strengthens your application and potentially lowers interest rates.

Document Required for business loan in UAE

Business Registration Documents : Trade license, Memorandum of Association, and other legal documents.

Trade license, incorporation documents, bank statements (at least 6 months, the more the merrier!), and audited financial statements for established businesses. Think of it as assembling your business armor.

Financial Statements : Bank statements, audited reports, and tax returns.

Business Plan : A detailed roadmap showcasing your business goals, strategies, and financial projections.

Identity Documents :  Passports, Emirates IDs, and visas for all owners and partners. National ID, passport, residence visa – the usual identity parade for any financial adventure.

Collateral Cavalry (Optional): If you’re offering up property as security, get those deeds ready to join the party ! Property deeds,equipement invoices,etc.

Uae Business loan Interest Rates and Tenure Ranges:

Interest rates for business loans in the UAE typically range from 5% to 12% per annum, depending on the loan type, tenure, and your creditworthiness.

Loan tenures can range from 1 to 10 years, again depending on the type of loan and your business profile.

How to Apply Business Loan in UAE | step by step process for business loan application in Uae

7 steps to get business loan in Uae are as follows :

Step 1 : check your Eligibility for business loan

Before diving headfirst into applications, let’s see if you tick the eligibility boxes. Most banks in the UAE require :

Registered Business : Your business must be officially registered in the UAE, whether it’s a mainland company, a free zone entity, or a sole proprietorship.
Profitable Track Record : Established businesses with a minimum of two years of operation and a healthy profit margin stand a better chance. Startups might need additional collateral or guarantors.
Minimum Turnover : Banks often have minimum annual turnover requirements, typically ranging from AED 2 million to AED 5 million.
Good Credit Score : Maintaining a good credit history for your business and individual partners boosts your chances significantly.

Step 2 : Collect your Documents and be ready

Now, let’s gather the documents that will act as your business’s financial armor :
Business Registration Documents : Trade license, Memorandum of Association (MOA), and other legal papers.
Financial Statements
Bank Statements
Tax Returns: Copies of your latest tax returns.
Personal Documents

Note : Documents might change from bank to bank but general documents are same everywhere in UAE.

Step 3 : Submit your application to banks.

With your documents in hand, it’s time to approach the financial banks. You can apply directly to banks, or consider online loan aggregators for a wider range of options. Here’s the drill :

Step 3: choose your Loan type

With your documents prepped, it’s time to choose your loan type. Here’s a quick rundown of the popular options :

Term Loan: A fixed amount repaid over a set period, ideal for long-term investments
Line of Credit:  A flexible credit line you can draw upon as needed, perfect for working capital.
Trade Finance : Facilitates international trade by financing imports and exports.
Asset-Based Loan : Secured by your business assets, offering lower interest rates.

Choose your loan type according to your needs of the business and assess the situation accordingly.

Step 4 : Research,compare and Analayse the loans

In this you will carefully research different loan providers in uae like ADCB,ADIB,ENBD,DIB,ETC.

With your documents ready, it’s time to choose your lending champion. Research different banks and compare their loan offerings, interest rates, processing fees, and repayment terms. Don’t be shy to negotiate!

Step 5 : Submit your application to banks.

Fill out the application form with laser focus, ensuring all information is accurate and complete. Attach your superhero document pack and submit it to your chosen bank. Remember, a well-prepared application is like a well-oiled business – smooth and efficient !

Read the fine documents and terms and conditions before submitting.

Step 6 : Approval and care

If your application passes the bank’s scrutiny, congratulations! You’ve unlocked the loan vault. Now, carefully review the loan agreement, understand the terms and conditions, and sign on the dotted line. Remember, with great loan power comes great responsibility – use it wisely to fuel your business growth !

Step 7: Careful review of the business loan terms

Once your application is approved, pay close attention to the loan terms :
Interest Rates: Range from 5% to 12% depending on your creditworthiness and loan type.
Tenure: Typically 1-5 years for term loans, and ongoing for lines of credit.
Fees: Processing fees, early settlement charges, and other associated costs.

Bonus Tips for Loan Success in UAE :

Spend Wisely : Use the loan funds solely for the intended purpose outlined in your business plan.

Repayment Plan : Stick to your repayment schedule diligently to maintain a good credit history.

Network and Build Relationships: Building relationships with bankers and financial institutions can go a long way in securing favorable loan terms.

Growth Mindset : Use the loan as a springboard to propel your business to new heights, but don’t over-leverage yourself.

Seek Professional Advice: Consider consulting a financial advisor or business consultant to navigate the loan application process and choose the right financing options.

Stay Updated: Keep yourself informed about the latest loan products and regulations in the UAE.

Shop Around : Compare different banks and loan options to find the best deal.

Negotiate : Don’t be afraid to negotiate interest rates and fees.

Maintain Good Credit : A good credit score can unlock better loan terms.

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Remember : Getting a business loan in the UAE is not a walk in the park, but with careful planning, thorough preparation, and a bit of perseverance, you can turn your financial dreams into reality. So, go forth, brave entrepreneur, and conquer the cash crunch!

With this guide and a healthy dose of entrepreneurial spirit, you’re well on your way to conquering the cash climb and securing the perfect business loan to launch your UAE venture to stratospheric heights.

Remember, securing a business loan in the UAE is an achievable feat with the right knowledge and preparation.

So, arm yourself with this guide, channel your inner loan-seeking warrior, and watch your business soar to new heights !

Now, go forth and

Remember, this is just a general guide, and specific requirements and terms may vary between banks. Always conduct your own research and consult with financial professionals before making any loan decisions.We are not responsible for your decisions.


25 Money mistakes to avoid in Uae 2024 | Financial mistakes

25 money mistakes to avoid in uae

Sun-drenched beaches, glittering skyscrapers, and a pulse that never sleeps – the UAE, and Dubai in particular, paints a picture of gilded dreams. But beneath the polished facade, a financial quicksand can pull unsuspecting expats under. Yes, the possibilities seem endless, but so do the ways to drain your bank account faster than a camel crossing the Sahara.

Remember Sarah ?

Fresh out of uni, she landed her dream job in Dubai, a salary that looked like Monopoly money, and an apartment with a balcony view that rivaled the Burj Khalifa.

Two years later, she was back home, tail between her legs, credit cards maxed, and dreams evaporated faster than a cold falafel on Jumeirah Beach.

Sarah, my friends, is a cautionary tale, a living, breathing example of how easily financial paradise can turn into purgatory.

But fear not, dear reader !

Fear, you see, is the currency of scammers, not savvy expats.

To navigate the Dubai financial maze, you need a roadmap, a compass, and maybe a dash of financial ninja training. So, grab a Karak chai, settle into that plush majlis sofa, and let’s dissect 25 financial mistakes to avoid in UAE.

25 Money Mistakes people do in Uae

Mistake #1. Blinded by Bling :

The shiny car, the designer handbag, the weekend trip to the Maldives – these are sirens, luring you into debt with their seductive whispers of “luxury.”

Remember, Sarah’s balcony view didn’t pay her bills. Prioritize needs over wants, and resist the urge to keep up with the Burj Al Arab.

Mistake #2. Mall Rat Mirage:

Dubai is a retail wonderland, but every swipe of your card is a brick in your financial prison. Challenge yourself to “mall-free” days, explore hidden souqs, and learn the art of haggling. Remember, the best souvenirs are memories, not designer labels.

Mistake #3. Dining Delusion:

Eating out is a cultural norm, but restaurant bills can quickly eat away at your savings. Unleash your inner chef, whip up some home-cooked magic, and invite your friends over for potlucks.

Sharing a meal is more fun than a five-star feast anyway.

Mistake # 4. “Free Money” Fiasco:

“Free” brunches, “complimentary” upgrades, and “limited-time” offers – these are all traps set to ensnare impulsive spenders. Remember, there’s no such thing as free money, just cleverly disguised marketing ploys.

Mistake #5. Credit Card Catastrophe:

Easy credit is tempting, but those plastic rectangles are wolves in sheep’s clothing. Use them responsibly, pay off balances every month, and avoid the interest rate abyss like the plague.

Mistake #6. Hidden Fees Horror:

Bank charges, utility surcharges, gym membership add-ons – these seemingly insignificant fees can add up like sand in your shoes. Read the fine print, negotiate where possible, and become a master of budgeting every dirham.

Mistake #7. “I’ll Save Later” Lie:

Procrastination is the thief of financial security. Don’t wait for “next month” to start saving. Automate transfers, invest a portion of your salary, and treat your future self like a VIP guest at your financial party.

Mistake #8. The “Everyone’s Doing It” Fallacy:

Don’t let peer pressure dictate your spending. You don’t need a yacht just because your neighbor has one. Focus on your own financial goals, not the Joneses’s sandcastle on the beach.

Mistake #9. “It’s Only Temporary” Trap:

Borrowing for “just a few months” can easily snowball into a mountain of debt. Treat borrowing like a nuclear weapon – only use it as a last resort, with extreme caution.

Mistake #10. Investment Illiteracy Illusion:

Don’t jump into the investment pool without learning how to swim. Research, seek advice, and understand the risks before diving into stocks, forex, or the latest crypto craze. Remember, your hard-earned dirhams deserve respect, not reckless gambling.

Mistake #11. Visa Vortex:

Losing your job or visa can leave you financially stranded. Have a backup plan, build an emergency fund, and make sure your legal residency is secure before your dreams turn into dust.

Mistake #12. Insurance Indifference:

Medical emergencies, car accidents, and unforeseen disasters can happen to anyone. Don’t be caught off guard. Get adequate insurance, from health to car to travel, and sleep soundly knowing you’re covered.

Mistake #13. “I Can Do It All” Delusion:

Outsourcing chores and errands might seem extravagant, but it can save you time, money, and sanity. Delegate tasks like laundry, car washes, or even home cleaning to free up

Mistake #14. “Staycation” Snooze:

Dubai might scream “glamour and adventure,” but exploring your own backyard can be surprisingly rewarding. Check out hidden gems, museums, local parks, and free public events. Your wallet and your soul will thank you.

Mistake #15. “Just One More” Gamble:

One flutter on the roulette wheel, one extra round at the poker table, “just one more” can quickly turn into a financial sinkhole. Know your limits, stick to your budget, and leave the casino with money still in your pocket.

Mistake #16. Education Eclipse:

Investing in yourself is the best investment you can make. Utilize Dubai’s diverse educational opportunities, from professional courses to language classes. Remember, knowledge is power, and power in this case translates to earning potential.

Mistake #17. “I’ll Figure It Out Later” Fumble:

Taxes, insurance renewals, visa paperwork – procrastination can turn these into ticking time bombs. Stay organized, set reminders, and handle important paperwork promptly. Avoid last-minute scrambles and costly fines.

Mistake #18. “Free Wi-Fi” Foolishness:

Public Wi-Fi might seem like a freebie, but it’s a prime target for hackers. Use a VPN for secure connections, especially when banking or accessing sensitive information. Remember, digital safety is more valuable than a few dirhams saved on data.

Mistake #19. “Expat Bubble” Blind Spot:

Living in an expat bubble can distort your financial reality. Don’t get caught up in a spending culture not reflective of local wages. Remember, your financial goals should be based on your own reality, not Dubai’s gilded facade.

Mistake #20. “Bargain Basement” Bonanza:

While Dubai boasts incredible deals, remember, cheap doesn’t always equal good. Prioritize quality over quantity, invest in durable items, and avoid impulse purchases that add clutter to your life and dent your wallet.

Mistake #21. “Cash is King” Conundrum:

Relying solely on cash can be inconvenient and risky. Embrace online banking, utilize secure mobile wallets, and make responsible credit card usage a part of your financial toolkit. Remember, financial flexibility is key.

Mistake #22. “Gift Giving Gauntlet”:

The culture of lavish gifting in Dubai can be overwhelming. Set sensible limits, opt for meaningful experiences or handmade gifts, and don’t let social pressure drain your resources. Remember, genuine connections don’t require extravagant displays.

Mistake #23. “Vacation Vortex” :

Dubai is a gateway to exotic destinations, but constant travel can deplete your savings. Plan your trips, create realistic travel budgets, and prioritize exploring local wonders before jetting off every weekend. Remember, wanderlust shouldn’t lead to financial wanderlust.

Mistake #24. “Side Hustle” Sizzle:

While side hustles can be lucrative, don’t underestimate the time and effort involved. Choose your ventures wisely, ensure they don’t interfere with your main job, and avoid falling prey to unrealistic promises of quick riches. Remember, sustainable income is better than a fleeting financial flash.

Mistake #25. “I Have It All” Illusion:

The greatest financial mistake is forgetting that happiness and fulfillment don’t come with a price tag. Embrace experiences, cultivate relationships, and enjoy the simple pleasures Dubai offers. Remember, true wealth lies not in possessions, but in living a rich and meaningful life.

By dodging these financial follies, you can navigate the Dubai mirage and build a secure, fulfilling life in this vibrant city. Remember, financial prudence is not about deprivation, but about conscious choices and smart planning. So, grab that Karak chai, put your financial ninja skills to the test, and conquer the Dubai maze – one wise decision at a time.

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By avoiding the 25 follies we’ve explored, you can transform the Dubai mirage into a sustainable oasis. Prioritize experience over extravagance, invest in your future, and remember that true wealth lies in the connections you forge and the memories you create.

So, shed the impulse-driven spender within, embrace your inner financial ninja, and conquer the Dubai maze, one dirham at a time. You’ll be richer for it, not just in the bank, but in the life you build under the desert sun.

Remember, Dubai is a playground, not a casino. Play smart, invest wisely, and let your financial savvy be your ultimate souvenir from this land of dazzling dreams.

Until next time, dear reader, may your desert journey be financially secure !