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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.
Unveiling our groundbreaking project in progress! Our cutting-edge “Find Your Card” tool is set to revolutionize your credit card search. This innovative tool leverages the data you share to craft three tailored card recommendations while actively shaping an algorithm for the perfect card fit.
Our recommendations aren’t just run-of-the-mill. They’re the result of meticulous analysis by our team of experts who’ve scrutinized every card in the UAE Market. The goal? To empower you to find the credit card that seamlessly integrates into your lifestyle, maximizing your financial choices.
We understand that the quest for the ideal credit card isn’t a one-size-fits-all endeavor. That’s why we offer you not one, not two, but three distinct credit card options. We identify the cream of the crop for you but understand that the final choice should always be yours, ensuring you’re in control of your financial destiny.
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
- 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.
Welcoming Gift/Bonus
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
- Minimum purchases of AED 5,000 or more in a calendar month.
- Maximum monthly cashback of AED 1,000.
- 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.
Other benefits
- 12% off on hotel bookings on Visa Agoda website.
Why We Choose It
- First Year Free offer.
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.
Cashback %
- 5% cashback on groceries, fuel, and dining out.
- 3% cashback on international spends
- 1% All other categories.
Rewards Mechanism
- 5% cashback on groceries, fuel, and dining out.
- 3% cashback on international spends
- 1% All other categories.
Why We Choose It
- No minimum spends requirement for cashback to be obtained.
- The card instantly shows cashback rates and allows immediate access to redemption options.
Welcoming Gift/Bonus
Currently, no welcoming bonus is available.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
- No minimum spending requirement for cashback to be obtained.
- Maximum monthly cashback of AED 1,000.
- 5% cashback on groceries, fuel, and dining out.
- 3% cashback on international spends
- 1% All other categories.
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.
- Movie tickets from just AED 20 at VOX cinemas.
- Unlimited complimentary access to select airport lounges.
- Access to hundreds of buy-1-get-1 offers, including spa treatments, travel offers, fine dining, and much more.
Other benefits
- Careem App: Get 25% off on food orders and DineOut twice monthly until 31 Dec 2025.
- Coffee Shops: AED 20 off (min. AED 40) at Starbucks, Costa, iHop, and more, twice monthly till 31 Dec 2025.
- LuluHypermarket.com: Extra 20% off (max AED 50), min. AED 250, twice monthly till 31 Dec 2025.
Why We Choose It
- No minimum spends requirement for cashback to be obtained.
- The card instantly shows cashback rates and allows immediate access to redemption options.
What We Did Not Like
- Caps apply per category.
- Limited benefits for cardholders.
- High annual fee relatively.
Cashback %
Rewards Mechanism
- For every AED 1:
– 5 FAB Rewards on online spending.
– 1 FAB Reward on all other spending, including abroad.
– 0.5 FAB Rewards on low-interchange such as groceries and fuel.
– Get 20,000 bonus FAB Rewards monthly when you spend AED 10,000 or more.
Why We Choose It
- Free for life credit card.
- FAB Rewards on online spending offer high returns for online spenders.
Welcoming Gift/Bonus
No annual fee credit card
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
FAB Rewards program
Reward Mechanism:
- For every AED 1:
– 5 FAB Rewards on online spending.
– 1 FAB Reward on all other spending, including abroad.
– 0.5 FAB Rewards on low-interchange such as groceries and fuel.
– Get 20,000 bonus FAB Rewards monthly when you spend AED 10,000 or more.
Redeem points:
FAB Rewards can be redeemed for various options, including vouchers and game time, cashback, Skywards Miles and Etihad Guest Miles exchanges, travel bookings via Cleartrip.ae and Musafir.com e-vouchers, transaction reimbursements, utility bill payments, instant in-store redemptions at participating locations, purchases through the FAB Rewards Shop, and conversions to Shukrans.
Airlines Program:
Key benefits
- 20% off your shopping on Namshi.com
- Up to 20% off at over 150 restaurants across the UAE.
- Get up to 20% off on your favorite entertainment and attractions across the UAE.
Other benefits
- Movie tickets at only AED 20.
Why We Choose It
- Free for life credit card.
- FAB Rewards on online spending offer high returns for online spenders.
What We Did Not Like
- The cards will offer the greatest value once AED 10,000 is spent; otherwise, the points will be limited.
- The high rewards rate is limited to online shopping, with reduced earnings on special categories such as groceries.
Cashback %
Rewards Mechanism
Why We Choose It
- Low annual fee relatively.
Welcoming Gift/Bonus
Currently, no welcoming bonus is available.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
Emirates Skywards Program.
- For 1USD:
* Emirates and Flydubai spend 1.5 Miles.
* Foreign currency spends: up to 1.1 Miles.
* Local currency spends: up to 0.75 Miles.
Key benefits
- Global Lounge Access for one person.
Other benefits
- Two rounds of complimentary golf per month on any day of the week (A minimum of AED 5,000 per month on a Signature Card to take advantage of this benefit).
- 2 complimentary Marhaba Meet & Greet services per year.
- 2 “Buy 1 Get 1” complimentary movie tickets each month.
- 15% off on Emaar Entertainment Attractions.
- Complimentary valet parking services are available monthly at select locations across the UAE.
- Complimentary Access to Dubai Ladies Club’.
Why We Choose It
- Low annual fee relatively.
What We Did Not Like
- No Welcoming bonus is available.
- Relatively High APR.
Cashback %
Rewards Mechanism
Why We Choose It
- Generous welcoming bonus
- Relatively low annual fee
- Bonus miles for more than USD 2,000 spends
Welcoming Gift/Bonus
Receive 35,000 Etihad Guest Miles as welcome bonus during the first year of membership.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
Etihad Airways’ loyalty program
For every USD 1 spent:
- Up to 1.25 miles for domestic purchases.
- Up to 2 miles for international purchases.
- 2 miles for purchases on Etihad.com.
- 1 Tier Mile for every USD 1 spent.
- 1.25 miles for every USD 1 spent on Etihad.com.
- 2,000 bonus miles monthly for achieving the USD 2,000 monthly spending target.
Key benefits
- Lounge Access for one person.
- Fast track to Silver Tier Status once two roundtrips are completed within the first 6 months from card issuance.
- 50% off on upgrade vouchers when upgrading from Economy to Business with your miles on the flight of choice for every USD 35,000 spent (max. 2 per cardholder annually).
Other benefits
- Complimentary Golf access
- Complimentary airport transfer four times a year.
- Travel insurance.
Why We Choose It
- Generous welcoming bonus
- Relatively low annual fee
- Bonus miles for more than USD 2,000 spends
What We Did Not Like
- No significant cons are observed.
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, 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.
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.
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
Receive an AED 1,000 welcome bonus for a limited time until 07/07/2025.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
- 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.
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
Key benefits
- Complementary airport lounge access for one person.
- 2 complimentary airport transfers per year with the Careem App.
- 10% cashback 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.
Cashback %
Rewards Mechanism
Why We Choose It
- Relatively low annual fee.
- Generous welcoming bonus.
- Express Miles Program.
Welcoming Gift/Bonus
Up to 200,000 Etihad Guest miles:
- 40,000 Miles upon payment of joining fee.
- 60,000 Miles upon spending a minimum of AED 90,000 within 6 months from the card issuance date.
- 100,000 Miles upon spending a minimum of AED 120,000 within 6 months from the card issuance date.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
Etihad Airways’ loyalty program
For every AED 10 spent
- 6 miles for domestic purchases.
- 6 miles for International purchases.
- 10 miles for hotels and dining spends.
- 10 miles for spends on Etihad.com.
Key benefits
- Unlimited airport lounge access for 2 persons.
- 10% cash back after booking a flight or spend on etihad.com (minimum spend AED 2,000).
- Up to two 50% discount vouchers after spending AED 150,000.
- Fast track to Gold Tier (After booking one return trip within 6 months from card activation).
Other benefits
- Express Miles Program.
- 4 airport transfers per year to Abu Dhabi International Airport and 50% off airport transfers with Careem, up to AED 100 per year.
- Valet parking in selected Abu Dhabi malls.
- Access to Visa Luxury Hotel Collection, Premium Concierge, and 2-for-1 Entertainer Offers.
- buy-1-get-1-free on movie tickets at Vox cinema.
- Travel insurance.
- 2 complimentary rounds of golf per month.
Why We Choose It
- Relatively low annual fee.
- Generous welcoming bonus.
- Express Miles Program.
What We Did Not Like
- It takes AED 20,000 monthly spends for 6 months to receive full welcoming bonus
- Relatively low APR.
