Most UAE spend platforms charge per user or per card rather than a classic annual fee — the cheapest option depends on team size, not the sticker price. Watch for card issuance fees, FX markup on international spend and minimum top-up requirements.
Pemo The top catalogue-ranked product in this list — reasons cite the published fields below, not a paid placement. Methodology
Products are shown in catalogue order, not as a personalised recommendation. Compare the details and confirm current terms with the provider. Methodology
Unlimited virtual cards on the free plan, receipt matching and accounting integrations (Zoho, QuickBooks, Xero). Cashback on card spend makes the free tier genuinely usable.
Kickoff plan AED 0/mo (2 card users, +AED 29/user); Essential AED 58/mo; Business+ custom (min 20 card users). Per Pemo help centre, verified Oct 2026.
Emirates NBD-backed corporate cards with strong merchant-category controls — good fit for ad spend and SaaS subscriptions where cashback compounds.
Qashio Points convert to cashback or Emirates Skywards miles (no conversion fee; cashback credited ~3–5 business days). Prepaid corporate card issued by NymCard (CBUAE-authorised). Per qashio.com, verified Oct 2026.
Corporate debit cards on the Wio Business account — physical and virtual cards with spend controls, tied to a CBUAE-licensed digital bank account.
Card issuance and account terms per Wio published material, Oct 2026.
Mature GCC spend platform — deep per-card limits, receipt OCR and direct integrations. Strong for finance teams that want policy enforcement baked in.
Starter plan AED 0/mo (10 users). Premium/Enterprise cards can earn unlimited 2% cashback on international transactions. Card issued by NymCard (CBUAE-authorised, Visa licence). Per alaan.com/pricing, verified Oct 2026.
Free unlimited virtual cards with merchant/amount controls — fastest to issue for distributed teams. Integrations thinner than Pemo/Alaan but the card layer is solid.
Free for SMEs — no monthly subscription for up to 10 users; up to 2% cashback; prepaid Mastercard corporate card. Per getpluto.com, verified Oct 2026.
SME-friendly card + spend platform — simple onboarding for mainland and free-zone companies, virtual and physical Visa cards.
Pricing is per-plan; check current card and platform fees on Xpence, Sep 2026.
Unlimited virtual cards, bill pay, reimbursements and multi-currency wallets in one platform — card fee scales with monthly spend and is waived above a threshold.
UAE plan pricing not published on the site — request a quote. Operates via licensed partners; not a bank.
| Product | Monthly fee | Cashback | Approval | Free zone |
|---|---|---|---|---|
| Pemo | AED 0 | up to 2% | 1–3 days | Yes |
| Qashio | AED 0 | up to 2% | 2–5 days | Yes |
| Wio Business cards | AED 0 | Not published | Not published | Yes |
| Alaan | AED 0 | up to 1% | 2–5 days | Yes |
| Pluto | AED 0 | up to 2% | 1–3 days | Yes |
| Xpence | Not published | Not published | 2–5 days | Yes |
| Volopay | Not published | Not published | 3–5 days | Not published |
Fact sources: help.pemo.io · pemo.io · qashio.com · alaan.com · getpluto.com · getpluto.com · volopay.com
For startups watching fixed cost: compare monthly fee and minimum balance first — lowest published monthly cost: Pemo and Qashio and Wio Business cards. For a free-zone company: shortlist first — free-zone onboarding on published criteria: Pemo and Qashio and Wio Business cards. For founders outside the UAE: remote onboarding with no branch visit: Pemo and Qashio and Alaan. For anyone needing it live soon: fastest stated approval: Pemo and Pluto — still subject to compliance review. For import-export and multi-currency flows: widest published currency coverage: Alaan.