Best Cashback Credit Cards in UAE -November 2024
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Thank you for providing your details.Cash back credit card in UAE
Banks offer a wide range of credit card offers and rewards for cardholders. Cashback is one such reward system wherein the cardholder is paid a small percent of the expenses that are made using the credit card. Many banks offer a credit back to the card account with some give the cardholder an option of redeeming the cashback points for discounts, air miles, and other products/services. Cashback can be provided monthly or annually depending on the policy of the bank.
List of Best cashback credit cards in UAE
Let’s look at a few banks and financial institutions that offer the best cashback credit cards in UAE:
| Credit Card | Cashback Offered |
| Citi Cashback Credit Card | - 3% Automatic cashback on Non-AED spend - 2% Cashback on grocery or supermarket purchase - 1% Cashback on every purchase - Unlimited access to 1000+ LoungeKey lounges worldwide |
| ADIB Cashback Visa Covered Card | Get 4% cashback spent on categories Supermarket & Grocery, Utility Payments, Fuel & Automobile, Education & School fees, Dining & Restaurants. |
| CBD Super Saver Credit Card | Enjoy 10% cashback at Supermarkets, Education, Fuel, & bill payments. |
| Standard Chartered X Credit Card | Get 10% cashback on online purchases, all mobile wallets, and International purchases. |
| FAB Cashback Credit Card | Get up to 5% cashback on groceries & supermarket purchases (online & offline), and 3% cashback on dining & school fees. |
| HSBC Cashback Credit Card | Get up to 5% cashback on Fuel, 2% on Groceries & Education |
| Emirates Islamic Cashback Plus Credit Card | Upto 10% cashback at Supermarkets, dining, education & telecom |
| Liv World Credit Card | Can get up to AED 18000 cashback per year |
| DIB Consumer Cashback Platinum Card | Get up to 4% Cashback on Salik and Nol recharges, Utility Bills, Etisalat & Du Bill Payments, fuel, school fees & Supermarket spending. |
| Ajman Bank ULTRACASH Mastercard Touch Card | Can get up to 10% cashback for UAE Nationals & 5% cashback for expats on selected categories of online purchases, supermarkets & school fees and other spends. |
| Dubai First Cashback Card | Enjoy 5% cash back on dining, supermarket, and fuel spending. Also, get cashback on 3% on international spends & 1% on other purchases. |
1. Abu Dhabi Islamic Bank [ADIB]
ADIB offers cashback cards to reward cardholders for using their cards. It provides different cashback cards, amongst which ADIB Cashback Visa Covered Card is known for the cashback provided on every usage of the card.
ADIB Cashback Visa Covered Card
- 4% cashback on daily purchases made using the card
- Get 4% cashback spent on grocery and Supermarket
- Get 4% cashback spent on fuel and automobile
- Get 4% cashback spent on Education & School fee Payments
- Get 4% cashback spent on Restaurants & Dining
- Get 4% cashback spent on Utility Payments
- Free roadside assistance
- 100% of the card limit can be withdrawn as cash
- Up to 55 days of grace period for a monthly payment
- No annual fees on four supplementary cards
Fees & Charges:
Annual Fee: AED 99
Monthly Profit Rate: 3.75%
2. Citibank
Citibank offers cashback cards to reward cardholders. It provides different cashback offers on every purchase the card holder makes and it stands as the best cashback credit card.
Citi Cashback Credit Card
- Get 3% cashback on non-AED spend,
- Get 2% cashback on grocery & supermarket spend and 1% on all other spend, No caps (up to monthly credit limit) , no minimum spend, no redemption process and no spend categories excluded.
- No exclusion of retail purchases
- Unlimited Global Airport lounge access
- Instant cash loan facility on credit card
- Easy installment plan for big and small purchases
Fees & Charges:
Annual Fee: Free for First Year
Monthly Profit Rate: 3.50%
Minimum Salary Required: AED 8000
3. Commercial Bank of Dubai
CBD provides several credit cards to fulfill the various benefits of their customers. Amongst the different credit cards provided, CBD Super Saver Credit Card is one of the best cashback credit cards in the UAE. It offers high cashback on every purchase made using the card. Along with the cashback it also provides travel and movie benefits as well.
CBD Super Saver Credit Card
- Get a Welcome bonus of up to 1000 AED
- Can earn 10% cashback on retail spending like utility bills.
- Get 10% cashback on education - School, College, tuition & University payments.
- Can earn 10% cashback on fuel & transport and groceries & supermarket spending.
- Can avail of complimentary valet parking services
- Get Complimentary airport lounge access across the globe
- Provides multi-trip travel insurance
- Provides purchase protection
Fees & Charges:
Annual Fee: Free for First Year
Monthly Profit Rate: 3.85%
Minimum Salary Required: AED 5000
4. Standard Chartered Bank
Amongst the various credit cards provided by Standard Chartered Bank, Standard Chartered X Credit Card is the best, as it provides various privileges apart from cashback. Some of the benefits provided on SCB Platinum Card are:
Standard Chartered X Credit Card
- Can get up to 10% cashback on bill payments & online purchases
- Can get up to 10% cashback on international expenses
- Can get up to 10% cashback spent on all mobile wallets.
- Get 8 complimentary airport lounges access per year
- Avail buy 1 get 1 free offer Costa Coffee
- Medical & Travel Insurance
Fees & Charges:
Annual Fee: Free for First Year
Monthly Profit Rate: 3.69%
Minimum Salary Required: AED 8000
5. First Abu Dhabi Bank (FAB)
Along with several credit cards with various rewards, FAB Cashback Credit Card is one of the best cashback credit cards that offers high cashback on essentials like groceries, fuel, utility expenses.
FAB Cashback Credit Card
- Get 5% cashback on spending at supermarkets offline and online. Provided in the form of equivalent rewards. Earn 17 rewards per 1 AED.
- Get 3% cashback on school fees. Provided in the form of equivalent rewards. Earn 10 rewards per 1 AED.
- Get 3% cashback on dining. Provided in the form of equivalent rewards. Earn 0.5 rewards per 1 AED.
- Get 0.15% cashback on all other AED spending . Provided in the form of equivalent rewards. Earn 0.5 rewards per 1 AED.
- Get 1% cashback on non-AED expenses. Provided in the form of rewards. Earn 3.5 rewards per 1 AED.
- Avail 2 movie tickets at AED 20 at Reel Cinemas, Cine Royal Cinemas per month. Get 20% off on Food & Drinks.
- Get 10% cashback on hotel bookings.
- Get free unlimited access to 10 airport lounges
- Get 20% discount on food & grocery delivery using Talabat with promo code:“MASTERCARD”
Fees & Charges:
Annual Fee: AED 300
Monthly Profit Rate: 3.85%
Minimum Salary Required: AED 5000
6. HSBC
HSBC Cashback Credit Card provides up to 5% cash back on daily expenses.
HSBC Cashback Credit Card
- Get 5% cashback on fuel expenses in the UAE
- Get 2% cashback on groceries & education expenses in the UAE
- Get 0.5% cashback on all other expenses
- Get 12% off on Agoda
- Get discounts on Dine & Fly with DragonPass
- Get 12 free visits to 1000+ airport lounges through Loungekey
- Get a complimentary one-year Careem plus subscription.
- Get multi-trip travel insurance
- Get 30% off on dining at selected locations
- Avail buy 1 get 1 free on movie tickets
- 24-hour concierge service
- No annual fee in the first year
Fees & Charges:
Annual Fee: Free for First Year
Monthly Profit Rate: 3.69%
Minimum Salary Required: AED 5000
7. Emirates Islamic Bank
Emirates Islamic Cashback Plus Credit Card is free for life credit card that offers upto 10% cashback.
Emirates Islamic Cashback Plus Credit Card
- Get upto 10% cashback at supermarkets
- Get upto 10% cashback on education
- Get upto 10% cashback on dining and telecom expenses
- Get 2 rounds of golf for free at any time of the week
- Get make RTA related payments easily
- Get free access to airport lounges worldwide
- Get 2 “buy 1 get 1 free” movies tickets per month at Reel cinemas
- Get multi-trip travel insurance
Fees & Charges:
Annual Fee: AED 313.95
Monthly Profit Rate: 3.69
Minimum Salary Required: AED 7500
8. Emirates NBD Liv Credit Card
Liv World Credit Card:
- Get up to AED 18000 Cashback per year using this card.
- Get 1 Skywards Miles reward per 1 AED spent.
- Get complimentary airport transfers
- Get up to 3 Free Cinema tickets every month at REEL Cinemas.
- Get 10% off on Hotels.com
Fees & Charges:
Annual Fee: AED 700
Monthly Profit Rate: 3.25%
Minimum Salary Required: AED 10000
9. Dubai Islamic Bank:
DIB Consumer Cashback Platinum Card:
- You can save up to AED 1,000 per month on all spending categories.
- Can get up to 4% cashback on all categories including Supermarket & Hypermarket Purchase, Automobile, Etisalat & Du Bill Payments, Fuel, Utility Bills, Salik and Nol recharges, School Fees.
- Can also get Personal Accident and Travel Insurance coverage.
Fees & Charges:
Annual Fee: AED 199
Monthly Profit Rate: 3.69%
Minimum Salary Required: AED 15000
10. Ajman Bank
Ajman Bank ULTRACASH Mastercard Touch Card:
- Can get a welcome bonus of AED 500 for UAE Nationals & AED 300 for Expats.
- Can get up to 10% cashback for UAE Nationals & 5% cashback for expats on selected categories of online purchases, supermarkets & school fees, and other spends.
- Get 3 complimentary valet parking per month
- 0% balance transfer facility for 3 to 6 months.
- Enjoy complimentary lounge access
- Get a 30% discount on cleartrip.com using promo - Mastercard
Fees & Charges:
Annual Fee: AED 500 for UAE Nationals & AED 300 for Expats
Monthly Profit Rate: 3.5%
Minimum Salary Required: AED 10000
11. Dubai First
Dubai First Cashback Card:
- Get 5% cash back on Dining, supermarkets, and fuel spent.
- Get 3% cashback on International purchases.
- Get 1% cash back on other spending.
- Avail balance transfer facility
- Get 0% Easy Purchase Plan
- Get movie tickets per month at VOX Cinemas for AED 20.
- Get an unlimited airport lounge access.
Fees & Charges:
Annual Fee: 399
Monthly Profit Rate: 3.85
Minimum Salary Required: AED 5000
Things to consider before getting a cashback credit card in UAE
Before getting a cashback credit card in UAE, you must take the following aspects into consideration:
Spend eligibility – Some of the cards can come with a minimum spend criteria i.e. the cardholder must spend a significant amount (varies with the card) in order to avail the cashback offered. Make sure that you read the spend eligibility criteria carefully before applying for a cashback credit card.
Upper limits – Like the minimum spend requirement, most banks also have an upper limit on the maximum amount of cashback that can be availed by a cardholder or category-specific limits. These need to be carefully understood to avoid any discord with the bank.
Fine Print – Read the fine print. Is cashback available across all merchants or is it only with a pre-specified list of stores? Can you combine an offer along with availing a cashback? Not all the transactions will be eligible for cashback
Validity - The cashback offered can have validity. Ensure you redeem the cashback earned within the validity.
The cashback rate is an obvious factor that must be considered when you are looking for a cashback card. It also helps to understand and analyze your spending pattern as it can be aligned with the benefits offered by the credit card issuer. With a plethora of cashback credit cards in UAE, it is possible to find a card that matches your spending style. Some banks offer a higher cashback rate on groceries and utility bills while some offer better rates for travel-related transactions. This analysis can go a long way in maximizing your cashback rewards and can place the top cashback card in your wallet.
Also, Check out credit cards in the UAE that offer benefits for fuel, groceries, or school fees.
Fuel cashback credit card in UAE
FAQs
⭐ I want to cancel my credit card. Should I redeem the points before I cancel or can I do it later?
A. We would recommend redeeming your points before you cancel your card as most banks would not allow such a transaction. However, you may check with your bank if they can accommodate your request.
⭐ Is a higher cashback rate with an annual fee better than a lower cashback rate with no annual fee?
A. This depends on your spending pattern and on the other features of the card. If the cashback earned is higher than the annual fees then it is still profitable. See what is profitable for you and pick a card accordingly.
⭐ Do I get a cashback for the shopping done using the cashback points?
A. No. Cashback is awarded only when you transact using the credit card and repay the bank. Cashback bonus transactions don’t qualify for further cashback.
⭐ Do I get cashback if I exceed my credit limit of the card?
A. Banks might not offer cashback if you exceed the credit limit. Check with your card provider before your purchases beyond the credit limit.
⭐ Can I get cashback on cash withdrawal?
A. No. Most of the card providers don't offer cashback on cash withdrawal.
⭐ Will missing credit card payments make me lose the cashback earned?
A. Yes. You may lose the cashback earned if you miss the credit card payments.
⭐ Do I get cashback on international transactions?
A. It depends upon the card. If your card claims to offer cashback on international transactions, then you would get.
⭐ What is the eligible to get cashback?
A. If you get a card that offers cashback, you need to check if there any minimum spend requirement to be eligible for the cashback and spend accordingly.
⭐ What if I don't meet the minimum spend requirement to get cashback?
A. In order to get cashback, you must meet the minimum spend requirement (if any on the card).
⭐ Can I get cashback on supplementary cards as well?
A. Yes. Most of the card providers offer cashback on the supplementary card purchases as well. The cashback earned on supplementary cards will be credited to the primary card itself.
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