Grocery Cash Back Credit Cards in UAE - October 2024

Grocery Credit Card in UAE

A Credit Card which offers grocery purchase benefits to its users is called a Grocery credit card. You get rewards when you purchase groceries using the credit card. There are selected grocery stores which provide points on the purchases. The user can earn cash back or points on their purchases. Food and household expenses are the necessities for every individual and this is the reason why reward points and spending categories are allocated and grocery credit cards are designed for the customers. 

Majority of the grocery credit cards earn cash back and apart from that the card users also get benefits on hotel dining, travel benefits and others. Buying at supermarkets, traditional grocery stores you will earn bonus points. Explore the food stores, online grocery retailers, supermarkets, grocery stores and much more to get the benefits out from the grocery credit cards. 

List of Grocery Cash Back Credit Cards in UAE

Features & Benefits of Each Best Grocery Cashback Credit Cards in UAE

1. Citi Cash back credit card

Features:

• Get 2% cashback on grocery purchases
• You can enjoy hundreds of buy one and get one offers at merchants at food & drinks, travel, leisure & wellness. 
• Get 1% cash back on all your purchases
• Get automatic 3% cashback on non AED purchases
• Enjoy No conditions of Minimum purchase
• Minimum monthly income requirement AED 8,000
• Get AED 150 cashback on purchases which is subjected to minimum amount of spendings
• No Annual fee

Benefits:

• Grocery purchases & food orders get an Instant discount of 20% up to AED 14. Get this benefit twice a month on the Talabat app. During checkout use Promo code “MASTERCARD”. 
• You can enjoy an instant discount once every month by using the Carrefour app/website up to September 30th 2024.
• Get AED 60 discount on purchases of AED 300 or more with Mastercard Elite use code “MA60”.
• Get AED 40 discount on purchases of AED 250 or more with Mastercard world use code “MA40”.
• With Online offer get up to AED 3,250 as welcome offer which includes miles & Cash back with new Citi Credit Card. 

2. Emirates Islamic CashBack Plus Card

Features:

• Get 10% cashback on purchases at supermarket
• Enjoy 10% cashback on dining
• Paying for education expenses get 10% cash back
• Get 10% cash back on telecom related purchases
• No Annual membership fee on Emirates Islamic Cashback plus credit card
• You can shop at heart’s content with 0% easy payment plan
• Get unlimited free access to more than 1000+ airport lounges throughout the world
• Two free golf rounds per month
• With online banking/app redeem cash back points in seconds

Benefits:

• Get up to 10% cashback on grocery purchases, dining, study fees & telecom purchases
• You can save on grocery purchases and earn up to 10% cash back on purchases done at supermarkets across the UAE and abroad.
• Not just grocery purchases, now even dining is rewarding to earn up to 10% cash back on dining at your favorite restaurants across the world.
• Get up to 10% cash back on school and university fees in the UAE and abroad.
• Great savings on Etisalat and du bills in UAE & telecom services throughout the globe.
• Get free access to Sharjah ladies Club and Dubai Ladies Club

3. FAB Cashback Credit Card

Features:

• Get cashback of 5% on supermarket spendings which includes the online purchases
• Get 3% cash back on school fees and dining
• No minimum spending is required to get cash back benefits
• Minimum Salary for getting this card is AED 5,000
• Annual fees is AED 300
• Get 3% cashback on dining at your favorite restaurants

Benefits:

• You can get up to 20% cash back on grocery purchases or food orders two times a month using the Talabat app with Mastercard. Promo code is “MASTERCARD”.
• Explore exciting offers on hotels, restaurants, fitness centers and other attractions using Mastercard
• You can earn 5% cash back up to maximum of AED 200 per month on supermarket spendings
• Get 3% cash back on dining up to AED 200 per month with no minimum spending
• Get 1% cashback on all international spendings and all non AED spendings without any cap.
• Get 2 movie tickets monthly at AED 20 in Cine Royal and Reel Cinemas. Enjoy 20% discount on food & beverages
• Cashback is rewarded on a monthly basis and credited during month end.

4. ADIB Cashback Visa Covered Card

Features:

• Get 4% cash back on grocery purchases at supermarkets and department stores
• Enjoy dining and get cash back of 4% at your favorite restaurants
• Get 4% cash back on fuel & Automobile
• Get 4% cash back on school fee and other study related payments
• Get 4% cash back on Utility bill payments
• Free Roadside assistance once in a year

Benefits:

• The maximum cashback on Grocery spendings at supermarket is AED 300 per month
• The maximum cashback on Fuel & Automobile spendings is AED 300 per month
• The maximum cashback on school fee is AED 300 per month
• Maximum monthly Cashback is capped at AED 1,000 per month
• Get four free supplementary cards
• Get grace period of 55 days for repaying outstanding balance on card
• Get access to road side assistance and drive with full peace of mind

5. HSBC Cashback Credit Card

Features:

• You can get 2% cashback on grocery purchases which is limited to AED 200.
• Earn 5% cashback on fuel which is limited to AED 200. 
• To earn the above benefits your spendings should be at least AED 3,000 per month during a billing cycle.
• Make everyday purchases into cashback and also enjoy credit card benefits with a range of rewards from travel & lifestyle.

Benefits:

• Get 5% cashback on daily purchases and a range of rewards from dining, lifestyle and travel.
• Get buy 1 get 1 free offers on food deliveries, dining, spa with HSBC ENTERTAINER app
• On Eligible purchases you can spend your credit card for earning cash back rewards
• Enjoy discounts at more than 400 restaurants across UAE by paying with your credit card.
• No Annual fee for 1st year when you spend AED 12,000 in second year
• Buy 1 get 1 free movie tickets monthly plus 20% off on food & Beverages at cinemas across the country. 
• When you pay monthly balances in full, enjoy no interest on purchases. 

6. CBD Super Saver Credit Card

Features:

• You can get 10% cashback on grocery spendings at supermarkets and department stores
• You can get 10% cashback on spendings at government bills, transport, education fees
• Get the benefits of complimentary golf rounds
• Access to Complimentary global airport lounge access
• Get Complimentary valet parking services

Benefits:

• With a maximum cash back benefit of AED 600 per month, you can get 10% cash back on education, groceries, fuel and bill payments. 
• Get cashback and enjoy a welcome bonus of AED 1000. 
• Welcome bonus is valid from 16th Feb to 16 August 2024 and it is subject to spending AED 8,000 using digital wallet.

7. Citi Cash back credit card

Features:

• Get cashback of 3% on groceries, supermarket and hypermarket purchases
• The maximum cashback is AED 300 per month where spending is on groceries at supermarkets and Hypermarket purchases. 
• Cashback on daily spendings
• No Minimum spending cap
• Annual fee AED 150

Benefits:

• Cashback you earn depends on the spendings that you make on your card
• Shopping for groceries or paying bills or paying for fuel you can earn cashback on most of the purchases you make
• With no minimum saving cap, just use card at qualified merchants and begin your savings 
• Get the benefit of Roadside assistance 

Advantages of Grocery Credit Card

• Grocery credit cards help you to manage your expenses. You can take care of your daily grocery bills or monthly purchases using the credit card.
• Provides you with a facility of instant access to money. During the month end when you are falling short of salary income you can use the grocery credit cards to purchase the daily needs for your living.
• Helps you to maintain credit score. An effective use of the credit card by purchasing through the credit card and repaying on the due date will help you to maintain a good credit score. 
• It is Convenient to use. You can set a limit on the credit card and give it to your children and ask them to make grocery purchases using the credit card. 
• Grocery shopping is easy with the credit card. These cards are accepted everywhere whether it is online purchase or purchases at a store. 

Disadvantages of Grocery Credit Card

• There is an annual fee for using the credit card. You will get benefits for using the credit card but also you should pay for using the credit card.
• Hidden costs such as renewal fee on credit card, one time processing fee, joining fees, withdrawal fees and others.
• People tend to overspend using credit cards. Uncontrolled spending looking at the offers provided at the grocery stores.
• Spending over the limit on the groceries will take a hit on the other scheduled expenses.
• Sales Promotions in the stores entice the customers and the customers Buy the groceries which are not required for them. 

FAQs