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
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 %
- 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 %
- 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
- 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
- No minimum spends requirement for cashback to be obtained.
- 5% Cashback on fashion differentiates the card for shoppers.
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.
- Caps apply per category.
- 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
- Complementary lounge access for two persons.
- 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, four times a month, 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.
- 15% discount on hotel rooms at IHG Hotels & Resorts.
- 2 free airport transfers with Careem.
Why We Choose It
- No minimum spends requirement for cashback to be obtained.
- 5% Cashback on fashion differentiates the card for shoppers.
What We Did Not Like
- 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.
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
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.
- First-year-free offer.
- 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
Get AED 500 Cashback points on spends of AED 15,000 within 60 days of Card approval. Offer valid till 30 September 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:
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.
- First-year-free offer.
- 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.
