Best Cashback Credit Cards in UAE -December 2024
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Benefits
- No Annual Membership Fee (AMF) subject to spend*
- Automatic cash back on all purchases, with no minimum spend: <div>3% on Non-AED spend</div> <div>2% on Grocery Spend</div> <div>1% on all other spend</div>
- No caps (up to the credit limit each month), no redemption process and no spend categories excluded
Benefits
- No Annual Membership Fee (AMF) subject to spend*
- Automatic cash back on all purchases, with no minimum spend:
3% on Non-AED spend2% on Grocery Spend1% on all other spend
- No caps (up to the credit limit each month), no redemption process and no spend categories excluded
- Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app
- Airport Transfers: 2 rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app
- Talabat: 20% discount (up to AED 14) on grocery and food orders once month on the Talabat app. Use code “MASTERCARD” at checkout
- Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea
- Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions
* No AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies
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Advantages
- Get 1.75 Stars on 1 AED
- Discounts on movie tickets
Features
- Complimentary offers at fitness clubs
- Discounts on movies at Reel Cinemas, VOX Cinemas etc.
- Provides pickup and drop facility at the airport
Features
- Complimentary offers at fitness clubs
- Discounts on movies at Reel Cinemas, VOX Cinemas etc.
- Provides pickup and drop facility at the airport
- Can get free access to airport lounges in the Middle East region
- The interest of cash advance will be charged at 3.5% per month until 23 January 2023 & from 24th January 2023 onwards 3.99% per month will be charged.
The interest on Retail purchases will be charged at 3.75% per month until 23 January 2023 & from 24th January 2023 onwards 3.85% per month will be charged. - Minimum salary of AED 8000 is required
- Zero annual fees
Benefits
- Get Buy 1 Get 1 free offer on movie tickets at VOX Cinemas on tickets booked online using FAB Platinum Visa card
- Can get 4 (per month) movie tickets for the lowest price of AED 15(on weekdays) - AED 20(on weekends) at Reel Cinemas, Cine Royal, and Oscar Cinemas
- Pay only AED 30 on each visit to Fitness First Clubs (Maximum 4 visits per month)
- Free travel insurance is provided on tickets booked using FAB Platinum Visa Card
- Can get 2 free airport transfer services per annum
- Get reward stars on every dirham spent
- Can earn 1.75 stars on every dirham spent on international expenses and 1 Star on every AED spent on local expenses
- Can redeem stars for Lifestyle benefits, Dining, Etihad Guest Miles, Skyward Miles and much more
- Starting from September 2022 annual fee will be applicable to all Platinum credit cardholders.
- The annual fee is waived with a minimum annual spend of AED 18000.
- With salary transfer, AED 200 annual fee is charged.
- Without salary transfer, AED 300 annual fee is charged.
- Earn up to 3 FAB rewards on every AED 1 spent.
Advantages
- 40% off at golf clubs
- 30% off on dining
- 3%-7% off on air tickets & hotel bookings
Features
- Your Emirates NBD MasterCard Titanium Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
- Enjoy instant access to up to 50% of your credit limit as cash with your Emirates NBD MasterCard Titanium Credit Card.
- Protect plus insurance.
Features
- Your Emirates NBD MasterCard Titanium Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
- Enjoy instant access to up to 50% of your credit limit as cash with your Emirates NBD MasterCard Titanium Credit Card.
- Protect plus insurance.
- Enjoy and avail The Emirates NBD Installment plan.
- Enjoy paying Utility bill using various options.
- Get unlimited lounge access across middle east.
- Avail options like Instant cash, Credit shield and free 24/7 roadside assistance.
- The Forex rate stands at 1.99%
- You can avail an interest free period of up to 55 days.
You need to pay a minimum amount of 5% of the outstanding balance or AED 100, whichever is higher. - You need to have a minimum salary of AED 5000 to avail this card.
- You can transfer your balance at the rate 0.8%, with a choice of 3 to 36 months.
- The annual fee of this card is AED 420.
Benefits
- Get up to 40% discount at 100 Golf courses worldwide.
- Your Titanium Card provides the most convenient option for RTA Salik Auto top up.
- Up to 30% off at over 2000 restaurants across the UAE.
- Get 3% discount on air tickets and up to 10% discount on holiday packages through the Emirates NBD Travel Desk.
- For every AED 100 retail spend on your card, you will earn 1 Plus Points.
- Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt.
- MasterCard buy 1 get 1 offers.
- 15% off any order when you shop online with MarkaVIP across Saudi Arabia, UAE, Jordan, Lebanon, Qatar, Kuwait, Oman and Bahrain.
- Card fraud protection.
-
Emirates NBD Credit Card offers the New Credit Shield Pro feature includes
- 0.99% on monthly fee on outstanding balance- Each cardholder can get decease cover up to AED 300,000- In case of hospitalization get AED 100 pay out per day. T&Cs apply- Can get job loss cover up to AED 60,000 up to 1 year or re-employment
- Plus points can be redeemed for cashback.
- Earn 1 plus point for every AED 100 spend.
- You can redeem your points with various merchants like supermarkets, cashback, frequent flyer miles etc.
Advantages
- 10% Cashback
- 2 free valet parking
- 50% OFF at VOX Cinemas
Features
- Both UAE nationals and expats are eligible
- Avail cashback on purchases made using the card
- Get lifestyle benefits and complimentary lounge access.
Features
- Both UAE nationals and expats are eligible
- Avail cashback on purchases made using the card
- Get lifestyle benefits and complimentary lounge access.
- The interest rate of 3.85% is charged
- The minimum salary required for the month is AED 5000
- Get free for the first year on an annual fee and from the second year onwards AED 420 including VAT.
Benefits
- Earn 10% cashback on retail categories like bills, supermarkets, education, and transport
- Can get 50% OFF on ticket bookings made at Vox, or Reel Cinemas
- Enjoy the complimentary airport lounges across the world at more than 1,000 airports.
- Enjoy complimentary valet parking across 30 locations.
- Get Your travel Insurance with Multi-trip travel insurance with coverage of up to USD 500,000
- Enjoy the benefits of a 0% Easy Payment Plan, Balance Transfer & Quick Cash at competitive prices.
Advantages
- 1%-2% cashback on local & international expenses
- 20% discounted Careem rides 3/month
- Free airport lounge access
Features
- Get up to 1-2% cashback on expenses
- Discount on careem rides
- Offers at Costa Coffee
Features
- Get up to 1-2% cashback on expenses
- Discount on careem rides
- Offers at Costa Coffee
- Free access to airport lounges
- Interest rate of 3.45% is charged
- A minimum income of AED 5000 is required per month
- For the first year there is no annual fee charged. From the second year AED 525 is charged as annual fee.
Benefits
- 0% interest rate and 0% processing fee on balance transfer
- Unlimited complimentary access to over 20 local and international lounges
- Buy 1 coffee and at Costa Coffee and Get 1 free by paying the bill with your Platinum Credit Card
- Enjoy three 20% discounted Careem rides per month
- Get discounts at hotels.com
- Get 30% OFF on travel bookings made on cleartrip
- Get USD 50 off on expedia.com on making for flight tickets and hotel bookings
- Get 1% cashback on domestic expenses
- Get 2% cashback on international expenses
Advantages
- High benefits for travelers
- Get guest miles
- Free companion ticket
Features
- You can avail 4 supplementary cards with this card.
- Convenience to make your card payments in any of ADIB branches.
- Get instant SMS updates.
Features
- You can avail 4 supplementary cards with this card.
- Convenience to make your card payments in any of ADIB branches.
- Get instant SMS updates.
- High earning rewards program.
- This is an Islamic card.
- This card avails salary transfers.
- Get preferred rates from ADIB travel desk for airlines
- The Forex rate on this card is 2.3%
- Get a free grace period of 55 days to repay your outstanding balance.
- You can balance your transfer at the rate of 3% or AED 300.
- You need to pay an annual fee of AED 2000 to avail this card.
Benefits
- You can receive service from ADIB travel desk
- You can redeem your Etihad guest miles for House Furnishing, Travel Bookings, Electronics and Gifts for Friends and Family.
- You can withdraw 100% of your finance limit for your need of cash.
- Avail advance technology of chip and pin for safe transactions.
- Free companion ticket voucher, which is not available on any other card.
- Fast track to Etihad guest gold tier.
- Free airport lounge access via lounge key.
- Valet parking at select locations.
- Free roadside assistance.
- Earn a welcome bonus of 50,000 Etihad guest miles.
- Receive 3 Guest mile up to 4 AED spent internationally.
- Receive up to 2.2 guest miles for every 4 AED spent on local transactions.
- You can even pay for your ADIB Etihad Guest covered card’s annual fees using 60,600 Etihad guest miles.
Advantages
- 1 air mile on 4 AED spent
- Buy 1 get 1 free offers
- Discounts at vox cinemas
Features
- This card is recognized over 32 million establishments.
- This card offers you benefits home and abroad.
- This card offers you a team of financial advisers and helps you achieve your financial goals.
Features
- This card is recognized over 32 million establishments.
- This card offers you benefits home and abroad.
- This card offers you a team of financial advisers and helps you achieve your financial goals.
- This bank offers you an instant credit card with an instant approval.
- This card also provides an instant limit approval.
- This card also offers 24 hour delivery of your card.
- Avail Flexi plus installment program with which you can avail 0% installment plans for purchases.
- The Forex rate stands at 2%
- You get an interest free period of up to 56 days.
- You require a minimum salary of AED 10,000 to be eligible for this card.
- You can transfer your balance at the rate of 0% for 6 months.
There is a processing fee of 2.99% or AED 200, whichever is higher. - There is no annual fee for this card.
Note: Beginning from 15th November 2022, the Annual Percentage Rate on outstanding purchases and cash withdrawals on all HSBC credit cards will increase to 44.28%.
Benefits
- Avail 10% discount in on British Airways fares for flights from UAE to UK, Europe, USA and Canada.
- Access HSBC mobile app for more discounts and offers.
- Get exclusive offers on dining and shopping at 19000 outlets in 160 countries.
- Buy one get one free offers at VOX cinemas with this card.
- Enjoy 200 offers on Golf access programs across the MENA region.
- Avail purchase protection and extended warranty with this card.
- Avail Credit shield plus with this card.
- Avail supplementary cards with this card.
- Also avail Valet parking with this card.
- Enjoy airport dining at over 200 locations with this card and with the partnership of Dragonfly.
- Get up to AED 400 welcome bonus cashback on applying & Offer is valid only for primary cards. T&Cs Apply. The offer is valid up to 30 September 2023.
- Get up to 1 airmile for every AED 4 spent
Features
- Emirates NBD Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
- Enjoy instant cash option up to 50%.
- Protect plus insurance.
Features
- Emirates NBD Credit Card gives you the flexibility to pay as little as 5% of the outstanding balance each month, and carry forward the balance to the next statement.
- Enjoy instant cash option up to 50%.
- Protect plus insurance.
- The Emirates NBD Installment plan.
- SMS alerts.
- Emirates NBD DoubleSecure.
- Free 24/7 roadside assistance.
- The Forex rate stands at 1.99%
- Your Emirates NBD Credit Card gives you a maximum of 55 interest-free days, provided you continue to pay your outstanding balance in full, by the due date.
- You need a minimum salary of AED 5000 to avail this card.
- You can transfer balance at the rate of 0.8%, with a choice of 3 to 36 months.
Benefits
- Complimentary access to over 10 VIP lounges in UAE, KSA, Jordan, Kuwait and Egypt.
- Access to business facilities—email, Internet, phones, fax machines, and conference space in some lounges.
- unlimited airport lounges access at airport lounges across the Middle East.
- Get 3% discount on air tickets and up to 10% discount on holiday packages through the Emirates NBD Travel Desk.
- Up to 30% at over 2,000 restaurants across the UAE, Middle East and Europe.
- 10% Discount on total bill at Red Café, Old Trafford.
- 20% Discount on Manchester United Stadium and Museum tour.
- Receive your memorable welcome gift a Manchester United Home Jersey, by simply spending AED 2000, within the first 30 days.
- Receive an exclusive Manchester United 'RED Box' filled with official Manchester United merchandise, by simply spending AED 6000 in the first 6 months.
- Enjoy double rewards on all your international purchases.
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Emirates NBD Credit Card offers the New Credit Shield Pro feature includes
-0.99% on monthly fee on outstanding balance-Each card holder can get decease cover up to AED 300,000-In case of hospitalization get AED 100 pay out per day. T&Cs apply-Can get job loss cover up to AED 60,000 up to 1 year or re-employment
- You can earn 1 red point for every AED spent on retail purchases.
- You can earn double rewards on all your international purchases.
- You can earn 5 times the rewards on all dining.
- You can earn 10 times rewards on sports apparels, accessories from leading sports good stores in UAE. Convert Red Points into shopping rewards.
Features
- Earn high rewards on every transaction made
- Get lifestyle, travel benefits
Features
- Earn high rewards on every transaction made
- Get lifestyle, travel benefits
- An interest rate of 2.79% of the balance utilized will be charged
- A minimum income of AED 40,000 is required per month
- No annual fees for a year. From second year AED 1500 is charged
Benefits
- Free access to airport lounges anywhere in the world
- Get complimentary travel insurance
- Special discount on bookings made through hotelclub.com
- Get Harrods Rewards Black-tier card for free
- Get 1% cashback on purchases
Advantages
- Earn 1 wala rewards for every 1 AED spent
- No annual fees
- 80% cash withdrawal limit
Features
- This card is an Islamic card.
- This card caters to your financial needs like no other card.
- This card comes with modern day convenience.
Features
- This card is an Islamic card.
- This card caters to your financial needs like no other card.
- This card comes with modern day convenience.
- This card comes with worldwide acceptance.
- The forex rate stands at 2.26% for this card.
- The repayment period is 20 days from the date of statement.
- You need a minimum salary of AED 5000 to avail this card.
- This bank provides the facility to transfer the balances of any other card to this card.
This facility can be availed through Al Islami Online Banking, Al Islami Mobile Banking, and through Express Banking Terminals.
80% of the cash limit or 100% of the available cash limit can be used for balance transfer facility.
A customer can do multiple balance transfer transactions with this card.
For balance transfer, you can do a minimum amount of AED 100 and maximum amount of AED 2,50,000. - There is no annual fee on this card.
Benefits
- You can redeem Wala's payments for Utility bills and get 2% back.
- You can automatically get enrolled into roadside assistance with this card.
- You can keep the membership card handy, and avail the roadside assistance service when you feel like throughout the week.
- Avail personal accident cover, abd get yourself and your family protected.
- This card comes with 0% interest to pay.
- Get travel insurance along with your air ticket.
- You can also avail credit shield (Takaful) with this card.
- Avail card protection plus to protect your card from any misuse.
- With Wala reward system, you will get 0.50% of your spends, which can be redeemed for hotel bookings, flights, electronics, household and utility payments.
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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