Banks in UAE offer a range of benefits and privileges to customers with a smorgasbord of over 200 credit cards on offer. These cards are laden with loyalty benefits and reward points that are sure to benefit you in uncountable ways. As a credit card holder, you can earn a percentage of cashback on all your purchases at selected outlets and points of sale. You can redeem your cashback rewards and avail of exclusive offers and discounts on shopping, dining, and other lifestyle expenses. With so many credit cards to choose from, it may be difficult to select one that’s the best cashback card in UAE. In the article below, you are going to find the best cash back credit cards in UAE along with their features and benefits.
Credit cards in UAE offer cashback as a percentage of your expense at selected merchants and outlets. These cards are known as best cash back credit card in UAE. These credit cards offer up to 10% discount on shopping, fuel, supermarket and other lifestyle expenses. You can redeem the accrued cashback to avail yourself of additional discounts on various shopping expenses. Cashback is a monetary reward and can only offer you discounts, but a reward point offers various privileges that can also be converted into shopping and travel vouchers.
We have handpicked a list of the best cash back credit cards in UAE for your convenience. Check out the table below to go through the list:
Cashback Credit Cards |
Cashback on Various Credit Card Expenses |
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Receive 1% cashback flat on each and every credit card expense |
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Earn a 10% cashback on supermarket, education, dining, and telecom expenses. |
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Earn a 5% cashback on shopping, fuel, utility expense |
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Earn a 3% cashback on non-AED spending |
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Get a 5% cashback on supermarket and restaurant spending |
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Get 5% cashback on dining expenses |
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Get up to 5% cashback on shopping and online purchases |
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Earn 1% cashback on each credit card expense anywhere anytime |
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Get 1% cashback on all expenses with a minimum monthly expense of AED 1,000 |
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Earn 10% cashback on fuel expenses |
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Earn up to 10% cashback on various credit card expense |
ADIB Visa Cashback Platinum credit card offers numerous privileges, loyalty benefits, including unlimited roadside assistance in UAE. With the Cashback Platinum credit card, you receive cashback on various daily expenses within and outside UAE. The following are the cashback earned on ADIB Visa Cashback Platinum Credit Card.
Emirates Islamic Cashback Plus Credit Card is one of the most preferred sharia-compliant credit cards in UAE. The cashback options on every expense is listed below.
FAB Cashback credit card is one of the most rewarding cash back credit cards in UAE. With these, you can earn up to 5% cash back on various daily life expenses such as fuel, grocery, dining and more. Following are the benefits of FAB Cashback Credit Cards in UAE.
Citi Cashback credit cards are affordable with low salary requirements. The bank revokes annual charges on meeting the minimum spending limit. Along with various lifestyle and shopping benefits, you earn cashback on each credit card expense as mentioned below.
RAKBANK Titanium credit card offer a host of benefits, including exclusive shopping and dining offers. With a Titanium credit card, you earn cashback on every credit card expense that you can redeem at various outlets in UAE. Following is a list of cashback earned on various credit card expenses.
With Mashreq Cashback credit cards, you can enjoy unlimited cashback on each credit card since there is no maximum limit for accruing cashback offers. Additionally, these cards do not include an annual fee. The best part is that you can avail these even at low salaries, making these one of the most affordable credit cards in UAE. Here is a glimpse into the amount of cashback you can earn on Mashreq Cashback credit card.
With a Dubai First cashback credit card, you get instant cashback on your daily credit card expenses. You can conveniently redeem the cashback online and avail yourself of exclusive discounts to make your shopping experience more pleasurable. Additionally, the credit card offers easy financial management with easy payment plans, loans on the phone and balance transfer features.
ADIB bank offers a host of benefits through Visa Cashback credit card. Along with various shopping benefits, you get rewarded with cashback on each and every credit card purchase within and outside UAE. Additionally, you can also withdraw cash from ATMs up to 100% of your credit limit. Following are the cashback offered on ADIB Visa Cashback Credit Card.
With a Simply Life Cashback credit card, you can enjoy various privileges on the day to day credit card expenses. Based on your expenses, you can get discounted movie tickets and various shopping offers across UAE. Additionally, the card does not include an annual membership fee, making it affordable and convenient to manage. Following are the benefits of the Simply Life Cashback credit card.
HSBC is one of the oldest banks in the MENA region offering world-class banking services. With an HSBC Cashback credit card, you get access to an attractive cashback program. For each card expense, you can earn up to 10% cashback anywhere around the world. The HSBC Cashback credit card is free for the first year and it remains free thereafter if you meet the minimum expense criteria. The key benefits of HSBC Cashback credit card are as follows.
NAJM One Cashback Credit Card offers an attractive loyalty program wherein you receive cashback on various credit card expenses within and outside UAE. Additionally, the card offers a range of shopping, travel and entertainment benefits. Following are the key benefits of the NAJM One Cashback credit card.
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With various shopping offers and privileges, numerous credit cards offer as high as 10% cashback on your credit card expense. You can choose the best cash back credit card based on the amount of cashback you get and your expense trend. Following is the list of best credit cards with up to 10% cashback.
Credit Card Name |
Cashback Offered |
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Emirates Islamic Cashback Credit Card |
Earn up to 10% cashback on shopping, education, dining, and telecom expense |
HSBC Cashback Credit Card |
Earn up to 10% cashback on fuel expenses |
NAJM Cashback Credit Card |
Earn up to 10% cashback on various expenses in UAE |
Following are the best cashback credit card in UAE for July 2022 along with their salary requirements and annual membership fee.
Cashback Credit Card Name |
Annual Membership Fee |
Salary Requirement |
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Emirates Islamic Cashback Plus Credit Card |
AED 299 |
AED 5,000 |
FAB Cashback Credit Card |
AED 315 |
AED 5,000 |
Citibank Citi Cashback Card |
AED 0 |
AED 8,000 |
RAKBANK Titanium Card |
AED 0 |
AED 8,000 |
ADIB Cashback Visa Platinum Card |
AED 1000 |
AED 8,000 |
Mashreq Cashback Credit Card |
AED 0 |
AED 5,000 |
Dubai First Cashback Credit Card |
AED 0 |
AED 5,000 |
ADIB Visa Cashback Card |
AED 500 |
AED 8,000 |
Simply life Cashback Credit Card |
AED 0 |
AED 5,000 |
HSBC Cashback Credit Card |
AED 313 |
AED 10,000 |
NAJM One Cashback Card |
AED 314 |
AED 8,000 |
Global Village Ticket Offer on Credit Card |
You need to take care of a few things before applying for a cashback credit card in UAE.
Cashback Vs Reward Points Credit Card - Which One to Get? |
Over to You!
There are a number of banks and providers that offer 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.
Depending on your expense type, you can choose a suitable cashback credit card in the UAE. A higher cashback card includes an annual fee but provides a wider range of cashback opportunities. On the other hand, a credit card with no annual fee may offer low cashback rates and the scope of accrual also remains low. However, you need to consider your budget before applying for an expensive cashback credit card.
No, you earn cashback only for purchases made using your credit card and not on redeeming your cashback for purchases.
Yes, you may lose your accrued cashback points as a penalty for missing your credit card payment.
Yes, several banks offer cashback on international purchases made through credit cards. However, before selecting a credit card, you need to ensure that the card issuer offers you cashback points on international transactions.
As an eligibility requirement, you may need to meet the minimum spending requirements to earn cashback on your credit card.
No, you do not get cashback for withdrawing cash from ATMs and CCDMs using your credit card.
One credit card may give you cash back for grocery while the other may give cash back for online shopping. To decide which credit card gives the most cash back, you should decide which credit card suits your needs the best. Once you have an idea about the nature of your expenses, you can pick any of the cards and earn maximum benefits on cards.
To get cash from your credit card in the UAE you can use the following platforms:
If you use your credit card for shopping, grocery, utility bills, or any other bill payments, cashback is a beneficial option for you since you will end up saving more money on your bills. However, if you are a frequent traveler, reward points are a more advantageous option for you since you can receive rewards like complimentary access to lounge, valet parking, and other rewards on your credit card. Weigh your needs and choose the best option!
Every time you make a purchase or spend money using your credit card, your credit card provider rewards you with pre-specified cash back. You can use this cash bank to receive an additional discount and pay less for your spending.
FAB Cashback credit card gives you 5% cash back on fuel and utility payments and supermarket purchases.
If a credit card with an annual fee provides higher cash back that may suit your need, it is beneficial to purchase the card. For instance, Emirates Islamic Bank Cashback Plus Card offers 10% cashback on education, supermarket, dining, and telecom spends and the annual fee on this card is just AED 299. If you put this credit card to good use, you will end up making higher profits than the annual fee you pay.
Generally credit card companies do not offer any cash back on cash withdrawals.
You will not lose your earned cash back if you miss one credit card payment. However, if you miss more than one credit card payment, the bank may cancel the cash back earned. The exact number of payments you can miss without losing your cash back varies from one bank to the other.
Usually, the cash back offers applied on the primary credit card are applicable on a supplementary credit card as well.
To redeem your cashback, you need to log into your credit card account, navigate to the reward and cashback section and click on redemption options. You can also go into the offers and discount section and purchase eligible items after claiming your rewards.
Depending on the type of credit card, you may need to satisfy the minimum expense limit. Additionally, several credit cards also need you to accrue a minimum cashback before redeeming those.
HSBC Cashback Credit Card offers up to 10% cashback on fuel expenses. However, you can accrue a maximum of AED 100 cashback per month.