Glossary | DubaiPoints

Banking

AECB: Al Etihad Credit Bureau, the UAE credit-information provider. Its credit report and credit score are separate products. Lenders apply their own underwriting criteria, so no score published here should be treated as a guaranteed approval threshold.
Salary transfer: Routing monthly payroll through a specific UAE bank. A bank may attach a cash bonus, voucher or product eligibility to that relationship; minimum tenure and clawback terms apply only where the bank's published offer says they do.
Salary band: The minimum monthly salary an issuer publishes for a card or offer. Meeting the band does not guarantee approval; the lender still applies its own eligibility and credit assessment.
Schedule of charges: A bank-published fee schedule used alongside the product page, Key Facts Statement and applicable terms. Where documents appear to disagree, we report the dated sources actually checked and direct readers to confirm the current charge with the bank.
FX markup: An issuer charge applied to a foreign-currency transaction in addition to the card network's conversion. The exact wording and amount belong to the card's current Key Facts Statement, Schedule of Charges or terms; another international-transaction charge may also apply.

fils per Mile (DP value): Our editorial AED value of one Mile or point in the named programme. A Skywards Mile worth 3.5 fils means 100,000 Miles redeem for an Emirates ticket priced at AED 3,500 cash, give or take. See the AED valuations page and the methodology.
Sweet spot: A redemption where the value per Mile or point materially exceeds the programme baseline. Availability, cash price and award price can change, so a route qualifies only against the figures checked for that example.
Transferable currency: A bank-proprietary point that can convert to more than one airline or hotel programme. Partners, ratios and transfer conditions can change; the current issuer and programme terms control.
Co-brand: A card that earns the airline or hotel currency directly (e.g. an Emirates Skywards Visa earns Skywards Miles, not bank points). Faster to elite status; less flexible if the programme devalues.
Award chart: A programme's published points or Miles price for an award, where it provides one. Some programmes use fixed bands, some vary the price, and some combine both approaches; current programme terms and the live booking result control.

Last verified: The date DubaiPoints last checked the relevant figures against the cited source. UI flags entries older than 90 days. A recent date reduces drift risk but does not guarantee that an issuer has not changed a product since the check.
DP verdict: Where a scorecard is complete, a 0–5 score reflecting DubaiPoints' editorial judgement on a card under the published five-dimension rubric.
"Our take": A short editorial verdict used on card reviews to state what the card is for, who may find it suitable and when another option may fit better.