- AED 3,000 monthly spend is required to obtain FAB Rewards.
- Cashback will be processed in equivalent FAB Rewards, redeemable instantly on the FAB Mobile App, while other card offers an instant cashback redemption option.
- No welcoming bonus is available.
- Monthly cashback caps of AED 150 per category are relatively low.
Best Cashback Credit Cards
Top Credit Card of The Month!
Best Cashback Credit Cards
365 Cashback Credit Card
Earn cashback on everyday spending with a low AED 5,000 minimum spend, first-year free, and an AED 365 welcome bonus — offering great value from the start.
Each credit card offers cashbback for a mix of categories that might include: Groceries, Dining, Fuel, Telecom, School fees, and Non-AED spends
A cashback credit card is beneficial for almost everyone, as it rewards you with cashback on your purchases. However, it’s important to choose a card that aligns with your spending habits. Many cards offer cashback on categories like dining, groceries, and everyday expenses. If you tend to spend more on other areas, such as travel, you may want to consider a card that offers higher rewards in those categories instead
Yes, typically the cashback on these cards is capped at around AED 1,000 per month, with some cards placing limits on specific categories. However, it’s important to note that unless you’re a heavy spender, it can be difficult to reach the maximum cashback amount.
Some cashback credit cards offer great benefits, while others may not. If you’re a frequent traveler, airline and travel-specific credit cards might provide greater value for you.
Mostly yes, The highest annual fee for a cashback credit card in the UAE is less than AED400. If you are an average spender, it is most likely that you collect the annual fee and started earning in the first 4 months
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Cashback %
- 3% cashback on utilities, telecom, fuel, and salik.
- 6% cashback on dining, including online food orders.
- 5% cashback on groceries.
- 1% cashback on all other retail purchases, made within UAE or outside UAE.
Rewards Mechanism
None
- 3% cashback on utilities, telecom, fuel, and salik.
- 6% cashback on dining, including online food orders.
- 5% cashback on groceries.
- 1% cashback on all other retail purchases, made within UAE or outside UAE.
Why We Choose It
- First Year Free offer.
- High dining cashback in the market at 6%.
- No category-wise cashback cap (only an overall AED 1,000 monthly cap)
Welcoming Gift/Bonus
ADCB 365 Cashback Credit Card offers AED 365 as a welcome bonus when you spend a minimum of AED 5,000 within the first 45 days. The card also comes with no annual fee for the first year.
Annual Fee (inclusive of Vat)
First year free and then 383.25 AED
Minimum Salary Requirement
AED 8,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.69%
Cashback Info:
Cashback Conditions
- Minimum purchases of AED 5,000 or more in a calendar month.
- Maximum monthly cashback of AED 1,000.
Cashback %:
- 3% cashback on utilities, telecom, fuel, and salik.
- 6% cashback on dining, including online food orders.
- 5% cashback on groceries.
- 1% cashback on all other retail purchases, made within UAE or outside UAE.
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
Key benefits
- Buy 1 Get 1 free movie tickets at VOX Cinemas, up to 4 complimentary tickets/month, includes 25% discount on select F&B items
Other benefits
- Up to 12% off on select hotel bookings via Visa Agoda.
Why We Choose It
- First Year Free offer.
- High dining cashback in the market at 6%.
- No category-wise cashback cap (only an overall AED 1,000 monthly cap)
What We Did Not Like
- A minimum spend of AED 5,000 per month is required to be eligible for the cashback rewards.
- The 1% cashback on non-AED spends is relatively low.
- Cash advance fee is relatively high at 3.15%
- International transaction fee of 2.99% is on the higher side
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Cashback %
- 5% cashback at supermarkets (including online grocery orders)
- 5% cashback on dining out (restaurants, cafes, bars/nightclubs, and fast food)
- 5% cashback at petrol stations (fuel and additional in-store spending)
- 0.5% cashback on all other spending both in the UAE and abroad.
Rewards Mechanism
None
- 5% cashback at supermarkets (including online grocery orders)
- 5% cashback on dining out (restaurants, cafes, bars/nightclubs, and fast food)
- 5% cashback at petrol stations (fuel and additional in-store spending)
- 0.5% cashback on all other spending both in the UAE and abroad.
Why We Choose It
- No minimum spends requirement for cashback to be obtained.
- Earning and spending cashback is quick and easy through the Dubai First Mobile App. Save your cashback for a special purchase or add it back as credit to your card.
- One of the most accessible cashback cards in the UAE with only AED 5,000 minimum salary.
Welcoming Gift/Bonus
Dubai First Cashback Credit Card currently doesn’t offer a welcoming bonus.
Annual Fee (inclusive of Vat)
AED 418.95
Minimum Salary Requirement
AED 5,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.5%
Cashback Info:
Cashback Conditions
- No minimum spend mentioned.
- Cashback earning is capped at AED 150 per month per category.
Cashback %:
- 5% cashback at supermarkets (including online grocery orders)
- 5% cashback on dining out (restaurants, cafes, bars/nightclubs, and fast food)
- 5% cashback at petrol stations (fuel and additional in-store spending)
- 0.5% cashback on all other spending both in the UAE and abroad.
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
Key benefits
- Enjoy 0% interest, Easy Purchase Plans, Loan-on-Phone, and Balance Transfers at preferential rates.
- 20% off on one food or grocery delivery per month with Talabat.
- Up to 4 standard movie tickets every month from AED 20 at VOX Cinemas, if you spend AED 4,000.
- Free airport lounge access with the Mastercard Travel Pass app.
- Great travel discounts on Booking.com, IHG Hotels and Resorts, Avis, Rentalcars.com, and Cleartrip through Mastercard Priceless benefits
Other benefits
- Fiit.tv: 25% discount on your first subscription — enjoy 800+ workouts with world-class trainers across Barre, HIIT, strength, yoga, and more.
- Go Gamers: 50% off a Go Gamers Premium Membership to unlock access to tournaments including FIFA, League of Legends, and more. Compete to win prizes and get coaching sessions from experts.
Why We Choose It
- No minimum spends requirement for cashback to be obtained.
- Earning and spending cashback is quick and easy through the Dubai First Mobile App. Save your cashback for a special purchase or add it back as credit to your card.
- One of the most accessible cashback cards in the UAE with only AED 5,000 minimum salary.
What We Did Not Like
- Cashback is capped at only AED 150 per month per category (max AED 450/month on the 5% categories)
- Only 0.5% cashback on all other categories.
- Annual fee of AED 399 + VAT applies with no first-year-free offer currently advertised
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Learn more about FAQs
Cashback %
• A minimum monthly spend of AED 10,000 is required to qualify for cashback.
• 10% cashback on Travel: This applies to domestic and international flights and hotel stays.
• 10% cashback at Supermarkets: Valid for purchases at supermarkets worldwide.
• 10% cashback on Dining.
• 1% cashback on other retail spends.
• 3% cashback on e-wallet spends (e-wallet transactions include Apple Pay, Samsung Pay, and Google Pay).
• 0.25% cashback on all spends under the Government Services and Utility category.
Rewards Mechanism
- A minimum monthly spend of AED 10,000 is required to qualify for cashback.
- 10% Cashback on Travel: This applies to domestic and international flights, hotels, and dining during your stay.
- 10% Cashback at Supermarkets: Valid for purchases at supermarkets worldwide.
- 10% Cashback on Dining.
- 1% for other retail spends.
- 3% for e-wallet spends (E-wallet transactions are all transactions made through Apple Pay, Samsung Pay, and Google Pay).
- 0.25% cashback on all spends under the Government Services and Utility category.
• A minimum monthly spend of AED 10,000 is required to qualify for cashback.
• 10% cashback on Travel: This applies to domestic and international flights and hotel stays.
• 10% cashback at Supermarkets: Valid for purchases at supermarkets worldwide.
• 10% cashback on Dining.
• 1% cashback on other retail spends.
• 3% cashback on e-wallet spends (e-wallet transactions include Apple Pay, Samsung Pay, and Google Pay).
• 0.25% cashback on all spends under the Government Services and Utility category.
Why We Choose It
- First Year Free offer.
- Highest cashback rates in the UAE.
- Earning 3% cashback on digital wallet spends adds an innovative touch and exceptional value to the card.
Welcoming Gift/Bonus
RAK World Credit Card offers an AED 750 welcome bonus for a limited time until 31/03/2026.
Annual Fee (inclusive of Vat)
FYF then AED 950 per year onwards (No annual fee , if you spend a minimum of AED 100,000 per year)
Minimum Salary Requirement
AED 20,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.65%
Cashback Info:
Cashback %:
• A minimum monthly spend of AED 10,000 is required to qualify for cashback.
• 10% cashback on Travel: This applies to domestic and international flights and hotel stays.
• 10% cashback at Supermarkets: Valid for purchases at supermarkets worldwide.
• 10% cashback on Dining.
• 1% cashback on other retail spends.
• 3% cashback on e-wallet spends (e-wallet transactions include Apple Pay, Samsung Pay, and Google Pay).
• 0.25% cashback on all spends under the Government Services and Utility category.
Rewards program
Reward Mechanism:
- A minimum monthly spend of AED 10,000 is required to qualify for cashback.
- 10% Cashback on Travel: This applies to domestic and international flights, hotels, and dining during your stay.
- 10% Cashback at Supermarkets: Valid for purchases at supermarkets worldwide.
- 10% Cashback on Dining.
- 1% for other retail spends.
- 3% for e-wallet spends (E-wallet transactions are all transactions made through Apple Pay, Samsung Pay, and Google Pay).
- 0.25% cashback on all spends under the Government Services and Utility category.
Redeem points:
Airlines Program:
Key benefits
- Complementary airport lounge access for one person.
- 2 complimentary airport transfers per year with the Careem App.
- 7% wallet credit on booking.com
- Exclusive discount on one food or grocery delivery per month through Talabat App.
Other benefits
- 50% off at VOX Cinemas for select movie experiences at all times.
Why We Choose It
- First Year Free offer.
- Highest cashback rates in the UAE.
- Earning 3% cashback on digital wallet spends adds an innovative touch and exceptional value to the card.
What We Did Not Like
- A minimum spend of AED 10,000 per month is required to be eligible for the cashback rewards.
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Learn more about FAQs
Cashback %
- 5% cashback on supermarket spending (including online), fashion, and dining.
- 1% cashback on all other spending, excluding select categories.
- 0.15% cashback on select categories.
- 3% Cashback on all non-AED spending.
Rewards Mechanism
None
- 5% cashback on supermarket spending (including online), fashion, and dining.
- 1% cashback on all other spending, excluding select categories.
- 0.15% cashback on select categories.
- 3% Cashback on all non-AED spending.
Why We Choose It
- 5% cashback across three major categories (supermarket, fashion, dining) with no minimum spend per transaction.
- 3% on international spending with no cap.
- Generous lifestyle discounts (Talabat, Carrefour, Costa, Farfetch)
Welcoming Gift/Bonus
FAB Cashback Credit Card currently does not offer a permanent welcome bonus. However, FAB may run limited-time promotions from time to time.
Annual Fee (inclusive of Vat)
AED 315
Minimum Salary Requirement
AED 5,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.50%
Cashback Info:
Cashback Conditions
Cashback is capped at AED 150 per month each for supermarket, fashion, and dining spending, while non-AED transactions, other spending (1%), and select categories (0.15%) have no individual caps, with an overall cashback limit of AED 1,000 per month or until eligible spending reaches the credit limit, whichever comes first.
Cashback %:
- 5% cashback on supermarket spending (including online), fashion, and dining.
- 1% cashback on all other spending, excluding select categories.
- 0.15% cashback on select categories.
- 3% Cashback on all non-AED spending.
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
Key benefits
- Complimentary lounge access for two people, including 8 free visits per year for the cardholder and 6 guest visits annually.
- AED 40 off on Carrefour online when you spend a minimum of AED 250 once every month.
- 40 % off orders on the Talabat app, up to AED 40 off each order, only on weekend (Saturday, Sunday) with a minimum order of AED 100.
- Two monthly movie tickets for AED 20 at Reel Cinemas, Cine Royal, and Star Cinemas.
Other benefits
- Up to 40% off MakeMyTrip bookings.
- 1 free airport transfer per year with Careem App.
- Up to 2 free Costa coffees at Dubai Airport + 2 additional items.
- 10% off Farfetch.com on min USD 300 spend.
Why We Choose It
- 5% cashback across three major categories (supermarket, fashion, dining) with no minimum spend per transaction.
- 3% on international spending with no cap.
- Generous lifestyle discounts (Talabat, Carrefour, Costa, Farfetch)
What We Did Not Like
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Learn more about FAQs
Cashback %
Lifestyle categories:
- Supermarkets (4%)
- Dining (4%)
- Fuel(8%)
- Education (4%)
- Telecom, Utilities, Government (0.5%)
- Other spends(1%)
Travel Categories:
- Airlines (4%)
- Hotels (4%)
- Dining (4%)
- Telecom, Utilities, Government (0.5%)
- Other spends (1%)
Rewards Mechanism
None
Lifestyle categories:
- Supermarkets (4%)
- Dining (4%)
- Fuel(8%)
- Education (4%)
- Telecom, Utilities, Government (0.5%)
- Other spends(1%)
Travel Categories:
- Airlines (4%)
- Hotels (4%)
- Dining (4%)
- Telecom, Utilities, Government (0.5%)
- Other spends (1%)
Why We Choose It
- Unique feature of changing categories.
- Flexible EI Cashback redemption options: convert a minimum of 300 EI Cashback into instant statement credits, redeem as little as 40 EI Cashback for travel benefits across 300+ airlines, 180,000+ hotels, and car rentals, or exchange your EI Cashback for partner loyalty program rewards.
Welcoming Gift/Bonus
Emirates Islamic Switch Cashback Credit Card offers AED 500 Cashback points on spends of AED 15,000 within 60 days of Card approval.
Annual Fee (inclusive of Vat)
AED 313.95 – waived if spends in last 12 months exceeds AED 30,000
Minimum Salary Requirement
AED 10,000
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.69%
Cashback Info:
Cashback %:
Lifestyle categories:
- Supermarkets (4%)
- Dining (4%)
- Fuel(8%)
- Education (4%)
- Telecom, Utilities, Government (0.5%)
- Other spends(1%)
Travel Categories:
- Airlines (4%)
- Hotels (4%)
- Dining (4%)
- Telecom, Utilities, Government (0.5%)
- Other spends (1%)
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
Key benefits
- A minimum monthly (calendar month) retail spend of AED2,500.
- Flexibility to change cashback categories from Lifestyle to travel every month
- Complementary airport lounge access for one person.
- Two rounds of complimentary golf per month.
Other benefits
- Up to 2 “Buy 1 Get 1” complimentary Vox/Reel Cinemas Movie Tickets per month.
- 20% off at Roxy Cinemas.
- Complimentary Access to Dubai Ladies Club.
Why We Choose It
- Unique feature of changing categories.
- Flexible EI Cashback redemption options: convert a minimum of 300 EI Cashback into instant statement credits, redeem as little as 40 EI Cashback for travel benefits across 300+ airlines, 180,000+ hotels, and car rentals, or exchange your EI Cashback for partner loyalty program rewards.
What We Did Not Like
- A minimum of AED 2500 monthly is spent to earn cashback.
- Caps apply per category.
- A minimum of 300 cashback points is required to redeem your rewards.
