Personal finance · Card affordability

Credit Card Affordability & Comparison

Estimate how a new card's assumed monthly obligation could affect DBR headroom and compare indicative annual fee and reward value assumptions.

DBR note: The UAE 50% aggregate deduction reference applies to relevant credit facilities. Card issuers may calculate card obligations using their own method and eligibility rules; check the issuer's terms.

Live affordability summary

Indicative assessment

Existing DBR—

DBR with assumed card commitment—

Monthly headroom to 50% reference—

Net reward after annual fee—

How to use this estimate

Enter monthly regular income and current loan commitments.
Use the card issuer's actual monthly obligation formula if known.
Compare annual fee and expected rewards only if you expect to use the benefits.
Check annual percentage rate, late fees, cash advance costs, and eligibility directly with the issuer.

This calculator does not recommend a specific bank card, query AECB, or estimate approval probability. Card offers and underwriting are issuer-specific. It does not account for all fees, taxes, exclusions, or reward conditions.