Begin with what separates the cards
Every card in this group pays in points, so the points on their own will not help you choose. What separates them is what the card costs to hold, what it costs to borrow, and the licence behind the brand. Work through those in order, then look at the extras.
Read the reward structure carefully too, because it is not identical across cards. Oney Préstamos ES runs a voucher reward on its VISA Club Leroy Merlin card, paying out at a set level of purchases rather than as a points rate. Start with the Rewards cards ranking, then read each card in the same order below.
Start with the annual fee
The annual fee is the price of holding the card, and you pay it whether you spend on the card or not. Oney Préstamos ES charges an annual fee of €10 on its credit card. National Bank of Kuwait Cards charges KWD 30 for its classic credit card.
Amwal sits at the other end of the market, with an annual fee of SAR 0 on its credit card, so holding it costs no fee at all. Across the cards in our comparison, annual fees run €0 to €570.03, which is a wide spread. A fee-free card deserves a close look, but only if it still pays rewards where you actually spend.
Check the account type and who it suits
A rewards card can be a credit card, a debit card, or both, and the two work very differently. Gulf Bank and National Bank of Kuwait Cards each list a debit card alongside a credit card, so check which one fits how you spend. A debit card spends your own money straight away, while a credit card lets you borrow and repay.
Who the card is built for matters as much as what it charges. Oney Préstamos ES is aimed at business customers, so its fees and rewards are arranged around company spending. National Bank of Kuwait Cards also serves students and kids on its debit card, which is a different job from a rewards credit card. The Oney Préstamos ES review and the National Bank of Kuwait Cards review help you place each one.
Weigh the borrowing cost
If you clear your card balance every month, the annual percentage rate matters less. If you carry a balance, the rate becomes your largest cost and usually outweighs anything you earn back in points.
Here the brands differ sharply. Amwal lists an APR of 0% and describes most of its plans as fee-free, which is worth checking in the detail. Gulf Bank lists an APR of 8.33%, and National Bank of Kuwait Cards lists 12%. Across our comparison, rates run 0% to 89.4%, so look at the rate on the card you would actually apply for.
Add the foreign exchange fee if you spend abroad
Purchases abroad are converted into your own currency, and the card's foreign exchange fee is added on top. That fee can quietly cost more than the rewards give back, particularly on a large bill.
Oney Préstamos ES charges a foreign exchange fee of 1%. National Bank of Kuwait Cards charges 3% to 5%. Across our comparison, foreign exchange fees run 0% to 4.8%. If you travel or buy from overseas sellers regularly, read this line before the points, because a modest fee on a big spend beats a generous reward rate.
Look at the licence and the company behind the card
Rewards are a promise, so it helps to know who is making it. Oney Préstamos ES comes from Oney Servicios Financieros E.F.C., S.A.U. in Spain, licensed by Banco de España under 8.814.
Amwal is provided by Amwal Tech Inc. in Saudi Arabia, registered with the Saudi Central Bank under PSP013, and holding an Abu Dhabi Global Market registration with the Financial Services Regulatory Authority under 00076.
National Bank of Kuwait Cards is issued by National Bank of Kuwait, founded in 1952, and Gulf Bank was founded in 1960. The Amwal review and the Gulf Bank review set out more on each brand.
Perks, support and a short checklist
Once the numbers are sorted, the extras shape how the card feels day to day. The perks on Oney Préstamos ES cover Discounts on fuel at Alcampo service stations, Exclusive points and discounts on purchases and 3x 4x Oney deferred payment from 3 up to 12 instalments with your own bank card. The perks on Amwal cover No Amwal fees or interest on credit card installments, Zero interest, most plans fee free and Sharia compliant Tawarruq or Murabaha structure, including a Sharia compliant structure and the option to keep your credit card points, rewards and miles.
Help after you sign up counts as well. Oney Préstamos ES supports customers through help centre, phone and chat, and Amwal offers email, help centre and community.
To compare in a quick pass, work down this list: the annual fee and the card type it applies to, the annual percentage rate, the foreign exchange fee, the licence and the company behind it, then the perks and the support you get. The card that holds up best across that walk-through is usually the card that suits you.