Left to pay
AED 39,100
Clear by
August 2027
Start here
ADCB Traveller

Running on AED 6,500 a month, worked out from what you told Ren. Change it in You.

Your review

Once a month, around payday. Add your payday in You and this will know when.

No reviews yet. The first one takes about five minutes with the statements open.

Your cards

ADCB TravellerStart hereEstimated

ADCB · 3.25% monthly · 39.00% a year

about AED 156.00 interest this month · AED 6,200.00 paid off

Minimum AED 240.00 ·

AED 4,800.00

Emirates NBD Platinum

Emirates NBD · 3.29% monthly · 39.48% a year

about AED 407.96 interest this month · AED 17,100.00 paid off

Minimum AED 620.00 ·

AED 12,400.00

RAKBANK Titanium

RAKBANK · 3.49% monthly · 41.88% a year

about AED 764.31 interest this month · AED 30,100.00 paid off

Minimum AED 1,095.00 ·

AED 21,900.00

Which card to pay off firstSmallest card firstShow

It’s the same money either way. One clears a card sooner, the other saves you more. Pick whichever you’ll actually stick to.

Neither is wrong. One is cheaper, the other is easier to keep going with. Ren will ask which matters more to you, not tell you.

How this plays out3 cards, then doneShow
  1. ADCB Traveller is paid off

    January 2027 · AED 312.00 of interest along the way

  2. Emirates NBD Platinum is paid off

    April 2027 · AED 1,861.00 of interest along the way

  3. RAKBANK Titanium is paid off

    August 2027 · AED 5,914.00 of interest along the way

  4. All clear, August 2027

    AED 47,187.00 paid in all, AED 8,087.00 of it interest. Paying only the minimums would take 35 months and cost AED 27,520.00.

  5. One month buffer is full

    October 2027 · the same AED 6,500 a month, now yours to keep

  6. Eid gifts, on purpose is full

    November 2027 · the same AED 6,500 a month, now yours to keep

After the last card the payment doesn’t stop, it changes direction: reserve first, then the jars. Where it goes after that is a conversation with Ren, not a default.