Dubai First vs Xpence
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Dubai First
Manage your credit card with ease through a mobile-first digital experience. Track spending, view rewards, access statements, and control your card with instant updates and security features. Apply for a new card in minutes with a seamless, paperless onboarding process.
- Digital onboarding
- Transaction tracking
- Rewards management
- Card bill payment
- Instant transaction updates
- Card activation and PIN setup
- Freeze/unfreeze card
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SEAMLESS DIGITAL ONBOARDING JOURNEY Dubai First offers a mobile-first experience, now with a seamless digital onboarding journey. No in-person meetings. No paperwork. Just your mobile and Emirates ID. Download the app and apply in less than two minutes. Apply today through the app and get exciting welcome offers. For the latest offers, visit dubaifirst.com. MOBILE BANKING FOR SEAMLESS EXPERIENCE Track spending, view rewards, access monthly statements, and enjoy many other features available only in the App. Digital Onboarding Journey Dubai First offers a mobile-first experience, now with a seamless digital onboarding journey. No in-person meetings. No paperwork. Just your mobile and Emirates ID. Download the app and apply in less than two minutes. Card Management • Instant updates on your transactions. • View your digital card • Review of purchases by category. • Easy check of available spending limit. • Monthly statements in the App. Rewards At A Glance • Real-time update of Cashback earnings • Up-to-date information on your rewards. • Instant redemption of Cashback. Card Services • Card bill payment directly from the App. • Application for supplementary card • Instant conversion of transactions into installments. • Instant booking of Balance Transfer and Quick Cash. • Payment plans progress overview In-App Control & Security • In-app card activation • instant PIN setup/ change • Freeze and unfreeze card function • Login with biometrics for extra security. To enjoy Dubai First Mobile App, you must be an existing Dubai First customer. Apply for your Dubai First Card today WARNING If you make only the minimum repayment/payment each period, you will pay more in interest/profit/fees and it will take you longer to pay off your outstanding balance.
Xpence
Manage business expenses and finances with a platform that allows for instant corporate card issuance and automated bookkeeping. Upload receipts and ensure compliance with transaction approvals.
- Issue corporate cards instantly
- Set customized card controls
- Automate bookkeeping
- Upload and store receipts
- Transaction approvals for compliance
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Streamline your business finances with Xpence - the GCC’s new way of business spending. Take control of your expenses with our award-winning platform: - Issue corporate cards in less than a minute and set customised controls - Automate your bookkeeping and say goodbye to manual entries and expense reports - Upload and store receipts in-app - Transaction approvals are here to help ensure full compliance with company policies We are PCI DSS 4 compliant which means we protect your data in accordance with the highest industry standards. Ensure your business stays ahead with Xpence – download now! Features may vary by region
Screenshots
Verdict
The clearest difference is review sentiment: Xpence at 67% against Dubai First's 21%. Xpence also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). Dubai First's advantage is rating (4.6 vs 1.0) and ratings volume (412 vs 2). On price, update cadence, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Dubai First holds the better App Store score, 4.6 against 1.0. That said, the two scores are not equally well evidenced: Dubai First has 412 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 21% of Dubai First's written reviews are positive against 67% of Xpence's, so the app with the better star average is not the one people write more warmly about.
Dubai First ships an update every 3 weeks, Xpence every 2 weeks. The most recent releases landed on October 22, 2026 and October 10, 2026 respectively.
| Parameter | Dubai First | Xpence |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (412 ratings) — better | 1.0 (2 ratings) |
| Positive reviews | 21.1% of reviews | 66.7% of reviews — better |
| Number of ratings | 412 — better | 2 |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 344 MB | 151 MB |
| Age rating | 4+ | 4+ |
| Developer | First Abu Dhabi Bank | Xpence |
Customer experience
Dubai First
Xpence
Bugs and requests
Dubai First
Reported bugs
31 issues- Push notifications not working
- App freezing or very slow
- App freezing when trying to open
- App asks to scan EID and card every time
- App asks for credentials repeatedly
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- App unrecognisable as new device requiring verification
- App needs updating every time it's used
- Buggy update causing new device detection
- Constant login bugs and failures
- App timeout too short
- App has many bugs
- Cannot pay credit card bill through debit card from another bank
- Rewards not available most of the time
- App is basic compared to other banks
- Terms changed from free for life to annual paid
- Incorrect balance shown
- Hidden amounts not visible until statement
- Cannot pay with foreign debit cards
- App not working after update
- Horrible, amateur, and lousy app
- Login is a pain, messages have errors
- Cannot access statements
- Impossible to use service properly
- App not signing in
- Cannot see statement on web
- Zero access to credit card statement
- Very poorly designed and tested
- Online website no longer exists
- Many options log the user out
- Password creation and login character mismatch
- No option to view older statements
Requested features
7 requests- Spread update releases
- Test app properly before releasing updates
- Fix constant login bugs and failures
- Increase app timeout duration
- Allow payment of utility bills
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- Allow payment with foreign debit cards
- Bring back the online website
Xpence
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Dubai First
No in-app purchases
Xpence
No in-app purchases
