Top 5 Best Cashback Credit Cards in the UAE - September 2020
Spending more funds is not necessarily a negative thing always. Sometimes, it can help you in earning more. This is the advantage of having a cashback credit card. It pays back the user a certain percentage of the purchases they make in cash.
However, various restrictions are also applicable to these cards. The amount of cashback varies depending upon the kind of purchase and the requirement of minimum spend. There are various cashback cards available in the UAE.
Best Cashback Credit Cards in UAE for September 2020
Below listed are some of the best cash back credit cards in UAE:
- FAB Cashback Credit Card
- Emirates Islamic Cashback Plus Credit Card
- FAB Abu Dhabi Platinum Credit Card
- Mashreq SmartSaver Visa Platinum Credit Card
- NAJM One Cashback Card
Other popular cash back credit cards in UAE:
- Citibank Citi Cashback Card
- Emirates NBD Lulu MasterCard Titanium Credit Card
- CBD Super Saver Card
- RAKBANK Titanium Card
- Standard Chartered Platinum Card
- ADIB Cashback Visa Platinum Card
FAB Cashback Credit Card
The FAB cashback credit card is packed with numerous benefits that make it the ultimate financial tool. Cardholders get to earn 5% cashback on all supermarket purchases along with fuel and utility payments using the credit card. The card is not just limited to providing cash back, on all non-AED payments get to earn 2% cashback. Furthermore, 1% cashback is earned on all other retail spends on the credit card that includes online shopping and digital payments. Cardholders get the exclusive welcome benefit of AED 300 in the form of cashback. Another attractive benefit from the FAB cashback credit card is that cardholders can enjoy two movie tickets at just AED 15 in the case of weekdays and AED 20 on weekends. Not just movie tickets enjoy complimentary airport lounge access at more than 10 plus lounges all across the UAE.
Features of FAB cashback credit card
- Annual fee: AED 315
- Profit Rate: 3.50%
- Cashback: 5% on supermarket purchases, utility bill payments, 2% foreign expenditure, 1% on retail spends
Emirates Islamic Cashback Plus Credit Card
The Emirates Islamic Cashback Plus Credit Card offers a broad range of exclusive benefits and privileges that are unmatched by any other credit card available in the UAE. Members of this Emirates Islamic Credit Card can earn up to 10% cash back on dining, education, supermarket, and telecom spends. This card comes with a built-in RTA NoI chip that enables its card members to utilize this credit card for several payments on the RTA transit network. Other than that, you can also enjoy free airport lounge access, golf benefits, balance transfer facility, multi-trip travel insurance, purchase protection, extended warranty and much more.
Features of Emirates Islamic Cashback Plus Credit Card:
- Annual Membership Fee: AED 299
- Profit Rate: 49%
- Cash Back: A maximum of 10% cash back on dining, education, supermarket, and telecom spends
FAB Abu Dhabi Platinum Credit Card
The FAB Abu Dhabi Platinum Credit Card comes with a plethora of amazing offers, discounts, and complimentary offers. This card will bring some luxury into your life with its lucrative offers and cashbacks. Cardholders are entitled to get 4 movie tickets monthly just for AED 15 and 20 on weekdays and weekends respectively. Moreover, cardholders can enjoy the FAB money transfer facility to transfer money to their native country without any additional processing fee.
Features of the FAB Abu Dhabi Platinum Credit Card:
- Annual Fee: Nil for the first year, up to AED 550 next year onwards
- Profit Rate (Monthly): 3.5%
- 10% Cashback Credit Card: 10% all year-round cashback at all leading online stores
Mashreq SmartSaver Visa Platinum Credit card
Mashreq Credit cards are well known for their jaw-dropping offers and cashback and one such card from the provider is the Mashreq SmartSaver Visa Platinum Credit Card. The card offers vouchers, cashback on utility bill payments, discounts, and online transfer facilities and comes with no salary transfer requirement making it more accessible for everybody. With a plethora of offers and schemes this card turns out to be one of the best credit card for utility bill payments.
Features of Mashreq SmartSaver Visa Platinum Credit card
- Annual Fee: Nil
- Profit Rate: 3.25%
- Cashback: 10% on supermarket purchases, educational transactions
- 5% cashback: on utility bill payments
NAJM One Cashback Card
Majid Al Futtaim or NAJM Bank offers cashback cards in the Emirates so that you can make the most out of your regular purchases. You can enjoy various benefits on this card such as VOX Movie offers, exclusive discounts on travel, shopping, entertainment, etc., balance transfers, easy payment plans, and more.
Features of NAJM One Cashback Card:
- Annual Fee: 313.95 dirhams
- Profit Rate (per month): 3.25- 3.99 percent (variable)
- Cash Withdrawal Limit: 25 percent of the credit limit
- Cashback: 10 percent cashback on utilities, groceries, dining, fuel, fashion, school fees, travel, online shopping, international transaction, and more.
Citibank Citi Cashback Card
With the Citibank Citi Cashback, your shopping experience will be like never before. The card offers amazing cashback and discounts along with flexible services that make it one of the best cards in the category. The card offers guaranteed cashback on all sorts of purchases including international purchases as well.
Features of the Citibank Citi Cashback Card:
- Annual Fee: Nil for the first year, for the second year the annual fee is waived off of the annual spend is equivalent to AED 9000, else a fee of AED 300 is payable.
- Profit Rate: 3.25%
- Cashback: 3% cashback on all international purchases, 2% on grocery and supermarket purchases, 1% on other expenditure.
Emirates NBD Lulu MasterCard Titanium Credit Card
The Emirates NBD Lulu MasterCard Titanium Credit Card is the ultimate financial tool when it comes to rewards and cashback. Cardholders can earn rewards by accumulating reward points that can be redeemed after crossing a pre-decided milestone. By making use of the Emirates NBD Lulu MasterCard cardholders can enjoy an unparalleled dining experience at over 2000 plus exotic restaurants across Europe, Middle-East and the UAE.
Emirates NBD Lulu MasterCard Titanium Credit Card features:
- Annual Fee: AED 400
- Profit Rate: 3.25%
- Cashback: Cardholders get 1 reward point for every spend of AED 100 which can be later redeemed in the form of cashback, air miles.
CBD Super Saver Card
This card is offered by CBD with a view to fulfill the varying demands of the users. It offers high cashback on many each purchase made using this card. Other than that, you can also avail the valet parking facility, movie benefits, travel benefits, purchase protection, and more.
Features of CBD Super Saver Card:
- Annual Fee: Nil for the first year, 800 dirhams second year onwards
- Profit Rate (per month): 3.45 percent
- Cashback: 10 percent cashback on education, bills, transport, and supermarket. One percent cashback on every 2 dirhams spent
RAKBANK Titanium Card
This RAKBANK Card is loaded with a host of benefits and privileges that are unmatched and unparalleled through any other card such as 55-days interest-free period, exclusive offers on jewellery, electronics, dining, holidays, furnishing, etc., purchase protection, and more.
Features of RAKBANK Titanium Card:
- Annual Fee: Nil
- Profit Rate (per month): 3.45 percent
- Cash Withdrawal Limit: 80 percent of the credit limit
- Cashback: 5 percent cashback on dining and supermarkets, 50 percent on movies, and a standard cashback of 2 percent on local and international transactions
Standard Chartered Platinum Card
Out of the various cards offered by the Standard Chartered Bank, this Platinum Card is the best when it comes to utility bill cashback credit card. You can also enjoy benefits such as free lounge access, BOGO offer at Costa Coffee, fixed payment plans, and discounts on travel, hotels, Careem rides, and cashback on utility bill payments.
Features of Standard Chartered Platinum Card:
- Annual Fee: Nil for the first year, 525 dirhams second year onwards
- Profit Rate (per month): 3.45 percent
- 10% Cashback: 10 percent cashback on utility bill payments, and supermarket.
ADIB Cashback Visa Platinum Card
Amongst the various credit cards offered by ADIB, this Visa Platinum Card offers amazing rewards in the form of cashback to the cardholder. Apart from the cashback, you can also enjoy various other benefits on this card such as complimentary roadside assistance, valet parking facility, and convenience of making card payments.
Features of ADIB Cashback Visa Platinum Card:
- Annual Fee: 1000 dirhams
- Profit Rate (per month): 2.99 percent (with salary transfer) and 3.09% (without salary transfer)
- Cash Withdrawal Limit: 100 percent of finance limit
- Cashback: one percent flat, anytime and anywhere
Over to You!
There are a number of banks and providers that offer the best cashback credit card in UAE. Cashback is that one form of reward where you can enjoy a certain percentage of your expense, which is made using your cashback card. Mostly the banks transfer this credit to your card account.
While some banks also offer the option of redemption of the cashback points earned in exchange of air miles, discounts, and other products or services. You may earn the cashback either on an annual or monthly basis, based on the bank’s policy.
Now, you must keep in mind that no credit card can be the best in itself. It all depends on what suits your requirements the most. It may be possible, that the card, which goes well with your requirements is totally useless for someone else.
