Add your wallet once. Tilla tells you which card to tap at any checkout, which bank pays the most to take your salary, and where your savings earn the highest rate. All with UAE terms checked against the issuer.
Takes about a minute. Then the wrong card, bank, or rate stops quietly costing you money.
Live shortlist
Three cards worth opening today. Then browse the rest.
Spending AED 580 today
Groceries · Carrefour
Tilla recommends
Cashback Plus Card
Best match · 10.0% back
Cashback Credit Card
AED 29.00 less cashback
Liv Cashback Card
AED 34.80 less cashback
Calculated from live reward rules. The top card earns AED 29.00 more than the next best card in this sample wallet. “est. AED” amounts are points/miles converted to conservative cash-equivalent values.
Mashreq
AED 29.00Cashback Credit Card
•••• •••• •••• 4820
Liv
AED 23.20Liv Cashback Card
•••• •••• •••• 5137
Emirates Islamic
AED 58.00Cashback Plus Card
•••• •••• •••• 5454
Your wallet, in three dimensions. Move the pointer to tilt the stack.
About
Most people tap whichever card is on top. On groceries, fuel, school fees, and dining, that quietly costs hundreds of dirhams a year.
Tilla reads every issuer's public terms and turns them into plain rules: what earns, what is capped, what is excluded. Then it does the arithmetic for you.
No card numbers. No bank login. Just the names of the cards you carry, and a straight answer at the checkout.
Inside Tilla
The optimiser, the card directory, salary-transfer offers, and savings rates. Everything a member touches, in the order they touch it.
Checkout
Amount
AED 580
Merchant
Carrefour
Ranked for this purchase
Cashback Plus Card
Best match · 10.0% back
Cashback Credit Card
AED 29.00 less cashback
Liv Cashback Card
AED 34.80 less cashback
The optimiser. Best card for this checkout, caps included.
What you get
Cards, salary offers, savings rates, and perks, in the order most people discover they matter.
01Checkout
Tell Tilla what you are buying and where. It checks every card in your wallet against live reward rules, monthly caps, and exclusions, then names the one that earns most.
Open the optimiserGroceries · AED 580
Illustrative amounts. The live tool uses current reward rules and your own wallet.
02Salary transfer
Banks pay real cash to move your salary. We track every UAE campaign with its minimum salary, expiry, and small print, and rank them by what you would actually receive.
See current offersTop tracked bonus
Illustrative. Live offers and conditions are on the salary offers page.
03Savings rates
Headline rates hide tiers, minimums, and salary conditions. Tilla applies them to your balance so the account at the top of the list is the one that pays you most.
Compare savings ratesAED 50,000 balance
Liv.
5.25%
ENBD
4.50%
Neo
4.25%
Illustrative. Real rates are ranked live from published tiers.
04Perks
Lounge access, gym passes, cinema tickets, buy-one-get-one dining. Many UAE cards include them. Tilla shows which of your cards already covers what you are paying for elsewhere.
Browse card perksIncluded with your cards
Airport lounge
12 visits / yr
Gym access
Fitness First
Cinema
Buy 1 get 1
Dining
2-for-1 mains
Cards tracked
0
Active UAE cards with plain-English reward rules.
Salary offers live
0
Salary-transfer campaigns tracked with expiry and small print.
Savings rates live
0
Published account rates ranked by what you would actually earn.
Source documents
0
Issuer pages and PDFs on file behind every number.
Best savings rates
Ranked for AED 50,000 balance and AED 15,000 monthly salary. We prioritise explicit published tiers over headline-only “up to” claims.
Mashreq
NEO PLUS Saver Account
6.25%
Applicable at default profile
Wio Bank
Wio Personal - Family Plan / Salary Plan (Fixed Saving Spaces)
6.00%
Applicable at default profile
Wio Bank PJSC
Saving Spaces - Monthly Fixed (Family or Salary Plan)
6.00%
Applicable at default profile
FAQ
Reply to any newsletter and a real person will write back. Or read the methodology if you want to know exactly how a number was produced.
No. Adding your wallet, comparing cards, and getting checkout recommendations are all free. We may add Pro features later, but the everyday tools stay free.
Never. Tilla works with card names only. We do not see your statements, balances, or transactions, and we never connect to your bank account.
We monitor each issuer’s public terms and offer pages and turn them into plain-English rules. When a card changes, Tilla picks it up and updates the comparison.
No. Most users just want to know which of their cards earns most on groceries, fuel, dining, and bills. Tilla is built for that, with extra detail there if you want it.
Ready when you are
Add your cards, run a checkout you would actually make, and see what changes. If Tilla does not earn its keep, walk away. There is nothing to cancel.
Your wallet, optimised
Cards, offers, and perks in one place
→ Best card for every checkout, cap-aware
→ Salary-transfer bonuses worth switching for
→ Perks that replace memberships you already pay for
Newsletter
When a card’s rules change, a salary-transfer offer becomes worth a look, or a guide can save you from a low-value redemption, we’ll tell you. No spam, easy to unsubscribe.
Popular guides
These guides use tracked Tilla records and show caveats where the data may be incomplete or subject to bank changes.