Money · Apr 21, 2026
Airline Miles Cards in the Gulf, Priced Out in Dirhams
A miles card only pays if the miles beat the fee. Here is how to convert Gulf airline miles into dirhams and judge whether the card covers its own cost.
By Sicherhaven
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Money posts, page 4
Money · Apr 21, 2026
Bank Fees You Can Ask to Have Waived
Several UAE bank charges are negotiable if you ask the right person the right way. Which fees to raise, who to ask, and the wording that works better.
By Sicherhaven
Money · Apr 21, 2026
Find Every Subscription You Forgot in One Statement Read
A fifteen minute pass through one card statement finds the recurring charges you forgot. The merchant name patterns that give a subscription away.
By Sicherhaven
Money · Apr 20, 2026
Converting Bank Points to Airline Miles Without Losing Half the Value
Transfer ratios and fees decide whether moving bank points to airline miles gains or loses value. Here is the break even test to run before you convert.
By Sicherhaven
Money · Apr 20, 2026
Salik, Parking and Fuel: What Driving Costs You Every Month
Fuel is the number people quote. The real monthly driving cost adds Salik, parking, insurance instalments, servicing and the charges nobody counts.
By Sicherhaven
Money · Apr 20, 2026
Saving 20,000 AED in a Year: The Month by Month Plan
A twelve month schedule for a 20,000 AED goal, the three months where the plan usually breaks, and the catch up move that gets you back on track each time.
By Sicherhaven
Money · Apr 14, 2026
School Fee Instalments: What the Bank Charges Against What the School Charges
Three ways to spread the same school fee: the school's own plan, a card instalment conversion, and a personal loan. How to compare them on equal terms.
By Sicherhaven
Money · Apr 9, 2026
What to Say When You Cannot Send the Usual Amount This Month
What to say when you cannot send the usual amount home this month: three short scripts, plus a plan for a temporary cut that does not become permanent.
By Sicherhaven
Money · Apr 8, 2026
Grocery Cashback Ranked Against a Real Monthly Basket
Grocery cashback rates only mean something against a real basket. Here is how to rank cards using your own monthly food budget, caps and exclusions included.
By Sicherhaven
Money · Apr 8, 2026
Is a Premium UAE Card Annual Fee Worth It on Your Spending
Set a premium UAE card annual fee against lounge access, valet, cinema and rewards at different spending levels, and find the point where it stops paying.
By Sicherhaven
Money · Apr 8, 2026
Paying Rent by Card Instead of Cheque: When the Fee Pays for Itself
Rent payment platforms charge a fee to put your rent on a card. Work out whether the rewards and the interest free days cover it, or whether they do not.
By Sicherhaven
Money · Apr 7, 2026
Cashback or Air Miles: Which Pays Back More for UAE Spending
Air miles only beat cashback if you convert them to dirhams at your real redemption value. Here is how to compare the two on the same spending pattern.
By Sicherhaven
Money · Apr 7, 2026
The Real Cost of Paying Only the Minimum on a UAE Card
Paying the minimum on a UAE credit card keeps the account current and the debt alive. Here is how to work out your own months and total interest.
By Sicherhaven
Money · Apr 7, 2026
Your First UAE Credit Card With No Local Credit History
New in the UAE with no credit file yet? Three practical routes to a first card: salary transfer, a deposit backed card, and your employer's listed banks.
By Sicherhaven
Money · Apr 7, 2026
Where to Get Your AECB Credit Report and What It Costs
How to request your own AECB credit report in the UAE, which identification you need, where the official channels are, and how often it is worth pulling.
By Sicherhaven
Money · Apr 6, 2026
Credit Limit Increases: When to Ask and When to Refuse One
A higher credit limit lowers your utilisation and raises your temptation. Here is when asking for one helps, when to say no, and what banks are really doing.
By Sicherhaven
Money · Apr 6, 2026
Salik, Parking and Fines: The Driving Costs Nobody Quotes You
Salik, parking and fines turn a quoted car budget into a bigger one. Here is how to build a monthly driving cost estimate before the statement surprises you.
By Sicherhaven
Money · Apr 6, 2026
The Real Cost of a Zero Fee Remittance
Zero fee transfers still cost you. The charge is hidden in the exchange rate. Here is how to find it and check any quoted rate in under a minute.
By Sicherhaven
Money · Apr 6, 2026
UAE Reward Points With a Clock Running: Where Expiry Bites
Most UAE card reward points expire on a schedule set by the issuer. How the common expiry patterns work, and a simple monthly habit for catching lapsing points.
By Sicherhaven
Money · Apr 6, 2026
The Weekend Brunch Habit, Priced Over Twelve Months
Twice monthly brunch adds up to 24 outings a year. Price yours properly, then keep the social part at a lower price point without losing it.
By Sicherhaven
Money · Apr 6, 2026
What a Card Offer Really Costs the Bank, and Why Yours Keeps Changing
Rewards are funded from somewhere. Here is where the money for a Gulf card offer comes from and why banks revise the terms on a card almost every year.
By Sicherhaven
Money · Apr 2, 2026
How Much of a UAE Salary Should Go to Rent, Food and Everything Else
The imported 50/30/20 rule breaks in a market with annual rent and no income tax. Here is how to work out the split that actually fits a UAE salary.
By Sicherhaven
Money · Apr 2, 2026
Saving When Flatmates Share the Rent but Not a Bank Account
Shared housing hides how much you can really save. How to run a rent pot with flatmates, keep the record clean, and avoid taking on their liability.
By Sicherhaven
Money · Mar 30, 2026
Building a Credit History in Your First Year in the UAE
New in the UAE with no credit file? Here is what to do in months one to twelve so your first card or loan application is not an automatic rejection.
By Sicherhaven
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