Money · Mar 3, 2026
Co Branded Hotel and Airline Cards in the UAE: Who Breaks Even
Co branded hotel and airline cards in the UAE reward one narrow travel pattern. Here is the profile that breaks even and the one that should stay away.
By Sicherhaven
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Money
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Money posts, page 6
Money · Feb 24, 2026
What Al Etihad Credit Bureau Sees and How Your Score Moves
Which behaviours reach your UAE credit file, how often lenders report them, how to pull your own report, and what genuinely shifts your credit score.
By Sicherhaven
Money · Feb 24, 2026
Interest Free Days: When the Clock Starts on a UAE Statement
How interest free days work on a UAE credit card: statement date versus purchase date versus due date, and why one carried balance ends the grace period.
By Sicherhaven
Money · Feb 24, 2026
Merchant Category Codes Decide Your Cashback, Not the Shop Sign
Your card pays by merchant category code, not by what the shop sells. Here is why a mall supermarket or a fuel station kiosk can pay a different rate.
By Sicherhaven
Money · Feb 24, 2026
Minimum Payments on a UAE Credit Card, Explained in Dirhams
Paying the minimum on a 10,000 dirham balance keeps the account in good standing and clears the debt very slowly. Here is exactly why, worked in dirhams.
By Sicherhaven
Money · Feb 24, 2026
Salik, Nol and Parking: Do These Count as Card Spend
Salik, Nol and parking top ups often earn nothing on a UAE credit card. Here is how to tell whether yours reward them, exclude them or treat them as cash.
By Sicherhaven
Money · Feb 24, 2026
How Long It Takes to Build a UAE Credit Score From Zero, Month by Month
A month by month view of how a UAE credit file fills in from zero, what appears at each stage, and why month four declines are common for new arrivals.
By Sicherhaven
Money · Feb 24, 2026
The New UAE Savings Schemes Compared With Traditional Gratuity
Your employer is moving from end of service gratuity to a funded savings scheme. What changes for you, and the questions to put to HR before you opt in.
By Sicherhaven
Money · Feb 24, 2026
What a 22 AED Daily Coffee Costs Over a Working Year
The honest arithmetic on a daily 22 AED coffee across a working year, why the total surprises people, and why cutting it completely is bad advice.
By Sicherhaven
Money · Feb 19, 2026
Paying Yourself First When the Salary Lands on the 28th
Set a standing transfer for the day after payday so saving happens before spending, and know what to do when the salary date moves earlier or later.
By Sicherhaven
Money · Feb 19, 2026
Why Waiting Three Days to Remit Changes What Your Family Receives
Remittance timing moves what your family receives, but not by much on a monthly transfer. Here is when waiting a few days is worth it and when it is noise.
By Sicherhaven
Money · Feb 18, 2026
Four Cheques, Two Cheques or One: What Each Rent Split Really Costs
Fewer rent cheques buys a lower annual rent in the UAE. Work out what that discount is worth against the cash flow strain before you agree to it.
By Sicherhaven
Money · Feb 17, 2026
Downgrading Instead of Closing: Keeping History Without the Fee
Your annual fee is due and the card is not earning its keep. Downgrading a UAE card can drop the fee while keeping the account history. Here is how to ask.
By Sicherhaven
Money · Feb 17, 2026
Freelance Visa Holders and UAE Credit: What You Can and Cannot Get
Freelance visa holders in the UAE can get credit without a salary transfer. Here is what banks accept instead, and which cards and loans stay out of reach.
By Sicherhaven
Money · Feb 17, 2026
Paying for Summer Flights Home Across the Whole Year
Summer flights home hit one month's salary hard. Here is how to spread the cost across twelve months and compare saving against miles cards and instalments.
By Sicherhaven
Money · Feb 12, 2026
UAE Personal Loans and the Salary Multiple Rule
How UAE banks cap a personal loan against your salary, why your monthly repayments matter more than the headline amount, and what card balances do to both.
By Sicherhaven
Money · Feb 12, 2026
What to Tell a New Hire Landing in the UAE About Salary Accounts
A manager's script for the salary account questions every new arrival in the UAE asks, from starting with no local credit history to picking a first card.
By Sicherhaven
Money · Feb 11, 2026
Free Airport Transfers and Valet: Counting What You Actually Use
Airport transfers and valet look generous on a card brochure. Here is how to turn those soft perks into a dirham figure based on the trips you really take.
By Sicherhaven
Money · Feb 10, 2026
Cashback on Rent and Bill Payments: What UAE Banks Leave Out
Rent, utilities, school fees and government charges are commonly excluded from UAE cashback cards. Here is how to find the exclusion list and size the gap.
By Sicherhaven
Money · Feb 10, 2026
The First Thirty Days After a Gratuity Payout
Your end of service payment has landed and it is the biggest number your account has held. A calm order of decisions for the first month, step by step.
By Sicherhaven
Money · Feb 10, 2026
Free for Life UAE Cards and What the Bank Gets Instead
A free for life UAE card still earns the bank money. Here is where that revenue comes from: interchange, interest, add on products and currency margin.
By Sicherhaven
Money · Feb 10, 2026
Naming Your Savings Accounts Changes How Often You Raid Them
Naming savings accounts after the thing they are for makes withdrawals feel wrong. Account name examples that hold up, and the ones that never do.
By Sicherhaven
Money · Feb 10, 2026
How to Recover Financially in the Six Weeks After Eid
The month after Eid is where the spending shows up. A six week reset plan: what to clear first, what to pause, and how to rebuild the rent fund.
By Sicherhaven
Money · Feb 10, 2026
Delivery, ATM and Service Charges: What the Small Fees Add Up To
Delivery charges, ATM fees and service add ons look tiny one at a time. Here is how to collect a year of them into one figure and stop paying three of them.
By Sicherhaven
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