IN THE SHOP
The answer is there before the till.
Walk into a shop at the mall and Fawz already knows which card, membership or offer works there. Offers that only work online never show up in store, and the other way round.
Check before
you pay.
Your cards, your Fazaa or Esaad membership, this week's offers. Fawz puts them together and tells you the one way to pay that saves you the most, before you reach the till.
FAWZ CHECK
Supermarket · Al Barsha
Example
Basket360.00
Fazaa 10%−36.00
Cashback 5%−16.20
YOU PAY307.80
YOU SAVE52.20
PAY WITH
Cashback card
Show Fazaa, then tap the card.
TERMS CHECKED 12 SEP
Works with what you already have
- Credit & debit cards
- Fazaa
- Esaad
- Homat Al Watan
- Loyalty programmes
- Buy now, pay later
- Supermarket flyers
Which card to use, wherever you pay
Fawz works it out ahead of time, so the answer is already waiting wherever you're about to spend.
BEFORE A BIG PURCHASE
A plan in two steps, with the reasons.
School fees, a new laptop, a holiday. Tell Fawz what's coming and when. It says which card to use, on which date, and why.
School fees · 18,000
Example
WITHOUT A PLAN
Paid in one go from your current account.
18,000.00
WITH FAWZ
Card A, 0% instalments over 6 monthsNo fee, and the cost is spread out
1% back on the instalmentsCard A pays cashback on its plans
17,820.00
This week's shop
Supermarket flyers near your home, read every week and checked by a person before you see them.
Monthly bills
Electricity, water, phone and internet, counted against your card limits so the rest of the plan still adds up.
Shopping online
Share a product link or screenshot. Fawz picks the card, counting instalment and foreign-currency costs.
Going out
Cinema, dining, attractions and delivery fees: card deals and membership discounts side by side.
THE MATHS YOUR BANK LEAVES TO YOU
Minimum spends and cashback limits, tracked for you
Some cards only pay their best rate after you spend a minimum each statement month. Fawz keeps count from what you tell it, and its advice changes as you get closer. Try it.
3,800
of 5,000
f
Put the next 1,200 on Card A.
You cross 5,000, and the whole month earns 5% instead of 1%. That's about 200 more back.
Unlocked. Keep using Card A.
Everything you've spent this month now earns 5%, until the month ends on 25 Oct.
Use Card B instead.
5,000 is out of reach with 12 days left. Card B pays a flat 2% with no minimum, which beats Card A's 1%.
Minimum spends
Knows how much more each card needs this statement month, and whether you can still get there.
Statement dates
Times a big purchase so it lands in the month where it earns the most.
Cashback limits
Moves you to the next card the moment one hits its monthly limit.
The fine print
Spots excluded shops, phone-wallet payments that don't earn, and offers that can't be combined.
THIS WEEK'S DEALS
This week's supermarket deals near you
Fawz reads the supermarket flyers near you every week, and a person checks them before they go live. Look up an item to see where it costs least, or open Fawz in the shop to see what's on offer around you.
- Prices from this week's flyers, with the date they end
- Only shops near the area you picked
- And the best card to pay with at the till
Cheapest near you this week
Example
Basmati rice, 5 kg
HypermarketCheapest
1.4 km · offer ends Sun
29.95
Co-op
2.8 km · offer ends Thu
34.50
Supermarket
3.1 km · regular price
37.00
Walk into a shop and Fawz shows its offersAt Hypermarket this week, rice is 18% off. Cooking oil is cheaper at Co-op.
f
At the till, pay with your cashback card. 5% back on supermarkets.
USEFUL ON DAY ONE, WITH NO CARDS ADDED
Your family may get Fazaa free this year.
In 2026, UAE households with a child can join Fazaa's family membership at no cost. Fawz checks which discount programmes you may qualify for, shows you how to sign up, and then where they're accepted near you.
- 1 Pick your areaJust the neighbourhood, chosen by you. Fawz never works out where you live.
- 2 Answer three questionsHow you shop and what you spend on. Enough for a first savings estimate.
- 3 See what works todayProgrammes you may qualify for, places nearby that accept them, and this week's flyer deals. Add cards whenever you like.
What Fawz will never do
- ask for your bank login. Fawz has no way into your accounts or statements.
- read your text messages. Your bank's SMS alerts stay on your phone and are never read.
- store your card number. You tell Fawz the name of each card you hold, not its number.
- touch your money. Fawz isn't a bank or a wallet, and payments never pass through it.
- askforyourbanklogin. Fawz has no way into your accounts or statements.
- readyourtextmessages. Your bank's SMS alerts stay on your phone and are never read.
- storeyourcardnumber. You tell Fawz the name of each card you hold, not its number.
- touchyourmoney. Fawz isn't a bank or a wallet, and payments never pass through it.
Memberships stay on your phone
Your Fazaa, Esaad or Homat Al Watan membership is kept on your phone. It's only sent to us if you choose to.
Every number shows its source
Each rate and offer links to the bank or programme page it came from, with the date it was last checked.
SAVED WITH FAWZ THIS YEAR
Example
1,284
See what Fawz has saved you this year
Tap Paid after you check out and the saving is added. Cashback your bank hasn't paid yet shows in amber, and comes off if it never arrives.
SEPTEMBER+642.67 confirmed
Weekly shop, Fazaa + cardYou confirmed · 28 Sep
+52.20
Cinema tickets, member discountYou confirmed · 21 Sep
+38.00
Laptop online, 3% backYou confirmed · 12 Sep
+134.97
School fees planYou confirmed · 4 Sep
+410.00
Electricity bill on the right cardYou confirmed · 2 Sep
+7.50
September cashbackEstimate · waiting for your statement
≈ 96.00
Questions about Fawz
Is Fawz free?
Yes. Fawz is free, and the early access list is open now.
Does Fawz need my bank login or card numbers?
No. There is no bank login, no SMS and no card numbers. You tell Fawz which cards you hold by name.
Does it work with Fazaa, Esaad and Homat Al Watan?
Yes, in the UAE. Your membership stays on your phone unless you choose to share it.
Which countries does Fawz cover?
Fawz starts in the UAE. Qatar and Saudi Arabia come later.
Which languages does Fawz speak?
English, Arabic, Urdu, Bengali, Russian and Chinese.
Does Fawz handle my money?
No. Fawz isn't a bank or a wallet, and payments never pass through it.
Stop guessing how to pay.
Fawz opens to its first users in the UAE soon. In English, العربية, اردو, বাংলা, Русский and 中文.