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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.

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

  • 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.

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

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.