Sinder: UAE Travel Debit Card

Sinder is the UAE travel card built in Dubai for residents who spend abroad. Pay overseas and shop online in foreign currencies from one AED balance, with 0% Sinder FX markup within your monthly allowance. 0% FX TRAVEL CARD FOR THE UAE • Mastercard Platinum Debit card, issued by ruya • 0% Sinder FX markup on the first AED 40,000 you spend abroad each calendar month, worldwide • Foreign transactions settle at the Mastercard Exchange Rate • Above the allowance: +0.5% on weekdays or +1.5% on weekends, on the excess only • No per-transaction surcharge FOUNDER CARD: NO ANNUAL FEE • No annual fee, no monthly subscription, no minimum balance • Founder pricing grandfathered for life • Virtual card issued on approval, physical card available AIRPORT LOUNGE ACCESS Access airport lounges through Mastercard Travel Pass by DragonPass or the partner shown in the app. Subject to eligibility, limits and partner terms. TRAVEL TOOLS IN THE APP • Where Can I Go? Find destinations with visa, flight time, cost and safety filters • Travel guides for your next trip • Partner travel offers shown in the app, subject to availability and partner terms SPENDING CONTROLS • Track spending by week, month or year • See where your money goes by category or merchant • Real-time notifications • Freeze your card in the app • Download transaction summaries as PDF, Excel or CSV WHO SINDER IS FOR • UAE and Dubai residents who travel internationally • Online shoppers paying in foreign currencies • Remote workers and freelancers who spend overseas • Frequent travellers who want lounge access and no FX surprises HOW TO GET STARTED 1. Download the Sinder app 2. Verify your identity with UAE PASS 3. Get your virtual card on approval 4. Spend abroad from your AED balance IMPORTANT INFORMATION Sinder is a UAE travel-fintech platform providing the technology interface and FX-pricing layer for a ruya-issued Mastercard Platinum Debit card and AED account. Sinder is not a bank. The card and account are issued by ruya (Ruya Community Islamic Bank LLC) and governed by ruya's Terms & Conditions, Fees & Charges and Key Facts Statement. Eligible customers receive 0% Sinder FX markup within the Founder Card's monthly international-spending allowance. The Mastercard Exchange Rate applies when a transaction is processed and may differ from the rate on the purchase date. Dynamic currency conversion, merchant, ATM and other third-party charges may apply. Standard application and eligibility checks apply. Learn more at sinder.ae