Top 5 Best Cashback Credit Cards in the UAE - February 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
Below listed are some of the best cash back credit cards in UAE:
- FAB Abu Dhabi Platinum Credit Card
- Citibank Citi Cashback Card
- Mashreq SmartSaver Visa Platinum Credit Card
- Emirates NBD Lulu MasterCard Titanium Credit Card
- NAJM One Cashback Card
Other popular cash back credit cards in UAE:
- CBD Super Saver Card
- RAK Bank Titanium Card
- Standard Chartered Platinum Card
- ADIB Cashback Visa Platinum Card
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%
- Cashback: 10% all year round cashback at all leading online stores
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.
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 discounts, and online transfer facilities and comes with no salary transfer requirement making it more accessible for everybody.
Features of Mashreq SmartSaver Visa Platinum Credit card
- Annual Fee: Nil
- Profit Rate: 3.25%
- Cashback: 10% on supermarket purchases, educational and utility transactions
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.
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.
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
RAK Bank Titanium Card
This RAK Bank 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 RAK Bank 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 cashback. 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 much more.
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
- Cashback: 10 percent cashback on education, bills, 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.
