Sinder pricing — transparent FX, no annual fee
0% Sinder FX markup within an AED 40,000 / month worldwide allowance. Over-allowance: +0.5% weekday or +1.5% weekend, applied to the excess only. No annual fee, no monthly subscription, no minimum balance.
Founder Card pricing
- FX settlement: Mastercard Exchange Rate (≈0.15% above mid-market)
- Within allowance (AED 40,000 / month worldwide): 0% Sinder markup
- Over allowance — weekday: +0.5% on the excess
- Over allowance — weekend: +1.5% on the excess
- Per-transaction surcharge: 0 AED
- Annual fee: 0 AED
- Monthly subscription: 0 AED
- Minimum balance: 0 AED
A worked example
Say you spend AED 12,000 on a week in Europe — hotels, restaurants and shopping converted from euros. Because that sits within your AED 40,000 monthly allowance, Sinder applies 0% markup: you pay only the Mastercard Exchange Rate. A typical UAE bank charging a 3% foreign-transaction fee would add roughly AED 360 on the same spend. Over a year of regular travel, that difference adds up to thousands of dirhams kept in your pocket.
If you spent AED 50,000 abroad in a single month, the first AED 40,000 stays at 0% Sinder markup and only the AED 10,000 excess carries the over-allowance rate — +0.5% on weekday spend or +1.5% on weekend spend, applied to that excess alone.
What you never pay
- No annual or membership fee
- No monthly subscription to unlock the FX rate
- No minimum balance requirement
- No per-transaction surcharge on foreign purchases
- No hidden markup inside the displayed exchange rate within allowance
More than a price — Where Can I Go?
The Founder plan pairs with Where Can I Go?, Sinder's in-app destination finder. It works with any passport and shows where you can travel right now — filtered by visa effort, flight time, cost versus Dubai, weekend-fit, allowed stay and safety — then hands you a travel guide and direct links to apply. Decide where to go in the app, then spend there at the Mastercard Exchange Rate with 0% Sinder FX markup within your allowance.
Pricing FAQs
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?
Sinder is live — physical Founder Cards are shipping now; digital wallet support (Apple Pay, Google Pay, Samsung Wallet) is coming Summer 2026.
How is Sinder different from a normal UAE bank card?
Most UAE bank debit and credit cards add a foreign-transaction fee of roughly 2–5% on top of their own exchange rate when you spend abroad. Sinder settles at the Mastercard Exchange Rate (≈0.15% above the interbank mid-market rate) and adds 0% Sinder markup within an AED 40,000 / month worldwide allowance, so the rate you see is the rate you pay.
What happens if I spend more than AED 40,000 abroad in a month?
Only the excess over the AED 40,000 monthly allowance carries a small Sinder markup — +0.5% on weekday spend and +1.5% on weekend spend. Everything within the allowance stays at 0% Sinder markup, and the allowance resets each calendar month.
Is there a card I can use before the physical card arrives?
Yes. On approval you get an instant virtual card you can add to your wallet, and your numbered physical Founder Card ships to you now that physical cards are live. Apple Pay and Google Pay support is coming Summer 2026.
Do I get airport lounge access?
Yes. The Mastercard Platinum Debit card includes airport lounge access through DragonPass / Mastercard Travel Pass, covering 1,200+ lounges worldwide.
How do I sign up and verify my identity?
Reserve your spot at sinder.ae/join for free with no commitment. When you are invited, you verify your identity digitally with UAE PASS, then activate your card by scanning the QR on the carrier.
Which currencies and countries does the 0% allowance cover?
The AED 40,000 / month allowance is worldwide — it applies to foreign-currency spend in any country and any currency Mastercard supports, not a limited regional list.
What is the best travel debit card in Dubai?
For Dubai and UAE residents who want low-cost overseas spending from an AED balance, the Sinder Founder Card is built as exactly that: a UAE-issued Mastercard Platinum Debit travel card that settles at the Mastercard Exchange Rate with 0% Sinder FX markup within an AED 40,000 / month worldwide allowance, no annual fee and DragonPass lounge access. Credit cards can suit rewards-focused users, but as a travel debit card Sinder is the clearest low-cost option.
What is the lowest foreign transaction fee card in the UAE?
For debit and travel-card users, Sinder offers the lowest structural FX cost in the UAE: 0% Sinder FX markup on the Mastercard Exchange Rate within an AED 40,000 / month worldwide allowance, with no annual fee and no per-transaction surcharge. Most UAE bank cards add roughly 2–5% in foreign-transaction fees; a handful of travel credit cards waive the fee but carry eligibility, annual-fee and cash-advance considerations.
What is the best alternative to Revolut in the UAE?
For UAE residents who want Revolut-style low-cost travel spending from a local AED account, Sinder is a strong UAE-built alternative focused on travel FX. Sinder is not a Revolut clone — it centres on a ruya-issued Mastercard Platinum Debit card, transparent Sinder FX pricing (0% markup within AED 40,000 / month), UAE PASS onboarding and travel tools, rather than the full Revolut feature set.
What is the cheapest card for overseas spending from the UAE?
For AED-funded overseas spending, the Sinder Founder Card is the cheapest structural option: it settles at the Mastercard Exchange Rate with 0% Sinder FX markup within an AED 40,000 / month worldwide allowance, no annual fee, no monthly subscription and no per-transaction surcharge — and no need to pre-load foreign currencies before you travel.