0% FX Card in the UAE — Sinder Founder Card
A UAE-issued Mastercard Platinum Debit travel card that settles every foreign transaction at the Mastercard Exchange Rate with 0% Sinder FX markup within an AED 40,000 / month worldwide allowance.
How the 0% FX policy works
Sinder uses the Mastercard Exchange Rate, which is typically about 0.15% above the interbank mid-market rate. There is no additional Sinder FX markup on the first AED 40,000 of foreign-currency spend per calendar month, worldwide. Once you cross the allowance, weekday excess is charged +0.5% and weekend excess is charged +1.5%. There is never a per-transaction surcharge.
What's included
- Mastercard Platinum Debit, issued in the UAE
- Mastercard Travel Pass / DragonPass airport lounge access
- Instant virtual card on approval; physical card ships Summer 2026
- Apple Pay / Google Pay support weeks after physical card launch
- UAE PASS digital onboarding
Common 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 Summer 2026; digital wallet support (Apple Pay, Google Pay, Samsung Wallet) follows weeks later.