Esaad vs Fazaa vs Mazaya: who qualifies and which saves more
Esaad, Fazaa and Mazaya are free or nearly free discount cards, but each is issued to different people: eligibility usually comes from your employer, not your choice. Below is who can get each card and how many active offers each has in the Hasm catalog.
Hasm · published 18 Oct 2026 · catalog data checked 9 Nov 2026
The three cards in brief
- Esaad: 3,021 offers, mostly restaurants, most often in Dubai.
- Fazaa: 1,480 offers, mostly restaurants, most often in Abu Dhabi.
- Mazaya: 1,412 offers, mostly hotels, most often in Abu Dhabi.
Side by side
| Esaad | Fazaa | Mazaya | |
|---|---|---|---|
| Who can get it | Dubai government employees, staff of connected organisations, GPSSA pensioners. Golden Visa — only Dubai-issued, in certain categories. | Staff of companies with a Fazaa contract (the contract sets the card tier), government employees; in 2026 — resident families with a child (free). | ADNOC Group and partner organisations, Emiratis in the private sector (Nafis); in 2026 the Arab Monetary Fund and DCD programs joined. |
| Cost | Free | The discount card is free via employers. Open campaigns: Silver AED 19/mo, Gold 59–69, Platinum 99 | Annual membership with Mazaya and Mazaya++ tiers; no public prices |
| How it works | Digital card or QR in the Esaad app (log in via UAE Pass). Show it before paying. Valid for first-degree relatives. ~7,200 brands in the UAE and 92 countries. | Digital card in the Fazaa app. 34,000+ outlets. Own services: Daily Rent (car rental), Fazaa Stores (28,000 products), Amakin (500,000 hotels), Health. | Show the digital or physical Mazaya Offers Card. 200+ offers, up to 5 family members, concierge included. Catalogue only in the app after login. |
| Active offers | 3,021 | 1,480 | 1,412 |
| Places | 2,751 | 1,449 | 911 |
| Typical discount (median) | −20% | −20% | −20% |
Terms come from the programs’ own pages; offer counts and the median come from active offers in the Hasm catalog.
Where each one is strongest
By category:
| Category | Esaad | Fazaa | Mazaya |
|---|---|---|---|
| Restaurants | 639 | 371 | 244 |
| Hotels | 217 | 335 | 325 |
| Shopping | 511 | 115 | 147 |
| Health | 329 | 136 | 122 |
| Spa & beauty | 337 | 46 | 26 |
| Education | 185 | 52 | 118 |
| Parks & leisure | 78 | 88 | 189 |
| Real estate | 245 | 84 | 24 |
By emirate:
| Emirate | Esaad | Fazaa | Mazaya |
|---|---|---|---|
| Abu Dhabi | 364 | 614 | 659 |
| Dubai | 1,883 | 476 | 596 |
| Northern Emirates | 485 | 131 | 116 |
| Al Ain | 49 | 36 | 1 |
| UAE-wide | 198 | 151 | 13 |
Shared places
If you hold two cards, use the one with the bigger discount at shared places: the comparison pages show this place by place.
- Esaad and Fazaa: 225 shared places — place-by-place comparison
- Esaad and Mazaya: 131 shared places — place-by-place comparison
- Fazaa and Mazaya: 156 shared places — place-by-place comparison
Which to choose
Usually there is no choice to make: the card comes with your employer or status. If you qualify for several, get all the free ones — they complement each other — and compare the discount at shared places.
Not eligible for any? Look at paid clubs and bank cards: is The Entertainer or Privilee worth it.
Find discounts for your cardsCommon questions
Who can get Esaad?
Dubai government employees, staff of connected organisations, GPSSA pensioners. Golden Visa — only Dubai-issued, in certain categories.
How much is Fazaa?
The discount card is free via employers. Open campaigns: Silver AED 19/mo, Gold 59–69, Platinum 99
Can you buy Mazaya?
Annual membership with Mazaya and Mazaya++ tiers; no public prices ADNOC Group and partner organisations, Emiratis in the private sector (Nafis); in 2026 the Arab Monetary Fund and DCD programs joined.
Which card has more offers?
By active offers in the Hasm catalog: Esaad — 3,021, Fazaa — 1,480, Mazaya — 1,412. Data checked on 9 Nov 2026.