What does the Sinder Founder Card cost?

The Founder Card has no annual fee, no monthly subscription, and no minimum balance. The only FX cost is the Sinder markup, which is 0% within the AED 40,000 / month worldwide allowance and +0.5% weekday or +1.5% weekend on the excess only.

Is my money safe with Sinder?

Yes. Sinder operates under the UAE financial services regulatory framework. Customer funds are held with licensed UAE banking partners and protected by industry-standard PCI-DSS, EMV tokenisation and 3-D Secure card security.

No. Sinder is a UAE-licensed fintech that issues a Mastercard Platinum Debit card on top of regulated banking partners. It is not a bank and does not currently offer credit products.

Sinder — The ultimate travel card for the UAE

Name: Sinder Founder Card
Brand: Sinder
Availability: PreOrder

By Chris Hughes — CEO & Co-Founder, Sinder · Updated 2026-05-15

Sinder is a UAE fintech building a Mastercard Platinum Debit travel card with 0% Sinder FX markup within an AED 40,000 / month worldwide allowance. Settled at the Mastercard Exchange Rate, with no annual fee, no per-transaction surcharge and no minimum balance.

Why Sinder

Most UAE bank cards add 2–5% on top of the bank's own FX rate when you spend abroad. Sinder uses the Mastercard Exchange Rate (≈0.15% above mid-market) and adds 0% Sinder markup within an AED 40,000 monthly worldwide allowance. The price you see is the price you pay.

0% Sinder FX markup within AED 40,000 / month worldwide
Settles at the Mastercard Exchange Rate (≈0.15% above mid-market)
Over-allowance: +0.5% weekday, +1.5% weekend, on excess only
No annual fee, no monthly subscription, no minimum balance
Mastercard Platinum lounge access via DragonPass (1,200+ lounges)
Instant virtual card on approval and UAE PASS onboarding

How to get the Sinder Founder Card

Reserve your spot at sinder.ae/join (free, no commitment).
Verify your identity with UAE PASS when invited.
Receive your numbered Founder Card in the April 2026 launch wave.
Activate via QR and spend abroad at the Mastercard Exchange Rate.

Frequently asked questions

What is the Sinder Travel Card?

A UAE-issued Mastercard Platinum Debit travel card that settles foreign transactions at the Mastercard Exchange Rate with 0% Sinder FX markup within an AED 40,000 / month worldwide allowance. Over-allowance: +0.5% weekday / +1.5% weekend on the excess only.

How does the Sinder FX rate work?

Every transaction settles at the Mastercard Exchange Rate (≈0.15% above mid-market). On top, Sinder adds 0% within the AED 40,000 / month worldwide allowance, then +0.5% weekday or +1.5% weekend on the excess only.

Are there any annual fees or per-transaction surcharges?

No. The Founder Card has no annual fee, no monthly subscription, no minimum balance, and no per-transaction surcharge on top of the Mastercard Exchange Rate.

When will Sinder be available?

Physical Founder Cards ship in April 2026; digital wallet support (Apple Pay, Google Pay, Samsung Wallet) follows in May 2026.