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 cashback 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 cashback credit cards 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.
Best Cashback Credit Card in UAE June 2023 - List of Top 10 Cash Back Credit Cards
We have handpicked a list of the best cashback credit cards in UAE for your convenience. Check out the table below to go through the list:
ADIB Visa Cashback Platinum credit card offers numerous privileges, loyalty benefits, including unlimited roadside assistance in UAE. With the Cash back Platinum credit card, you receive cash back on various daily expenses within and outside UAE. The following are the cashback earned on ADIB Visa Cashback Platinum Credit Card.
Features of Emirates Islamic Cashback Plus Credit Card
Earn 10% cashback on grocery and supermarket expenses in UAE and abroad.
Get 10% cashback on school and university fee payments in UAE and overseas.
Receive up to 10% cash back on dining and telecom expenses (du and Etisalat), including telecom services worldwide
You can redeem your cashback through your mobile banking app
Enjoy up to 50% discounts on Reel Cinema
The maximum amount of cashback you can earn is AED 200
3. FAB Cashback Credit Card
FAB Cashback credit card is one of the most rewarding cash back credit card 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.
You earn a bonus cashback of AED 300 on the first transaction done within 30 days of issuing the card.
Earn 5% cashback on Supermarket spending
Get 5% cashback on utility bill payment
Receive 5% cashback on fuel expense
Earn 1% cashback on each retail spending and online transaction
Get up to 10% cashback on online shopping using FAB ShopSmart
Redeem your cashback conveniently using the FAB Mobile banking app or pay directly to the merchant.
4. Citi Bank Citi Cashback Credit Card
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 cash back on each credit card expense as mentioned below.
Get 2% Cashback on grocery and supermarket purchases,
On all other expenses, you earn 1% cashback flat,
No annual fee for 1st year, the credit card is free from 2nd year onwards on meeting the minimum spend requirements.
Enjoy unlimited access to over a thousand global airport lounges
Enjoy up to 50% discounts at various diners and shopping outlets using Voucher Skout
5. RAKBANK Titanium Credit Card
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 cash back earned on various credit card expenses.
Get 5% cash back on various dining spending around the world
On every local or international retail purchase, you earn up to 2% cashback.
Receive 50% cashback on cinema expenses across UAE
Once you have received cashback of up to AED 100, you can start redeeming the cash back point
A maximum monthly cashback you can earn is AED 1,500
Earn 0.25% cashback on each AED spent on Gas, petrol, transit and telecom.
6. Mashreq Cashback Credit Card
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.
Receive up to 2% cashback on international spendings
On all local spendings, you earn a flat 1% cashback
Get 20% cashback for the first 6 months at Zomato and Netflix
Avail of exclusive access to 2-for-1 deal on the Visa Entertainers app.
Enjoy cashback and discounts on airport dinings via DragonFly and Dine program
7. Dubai First Cashback Credit Card
With a Dubai First cashback credit card, you get instant cash back 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.
Receive 1% cashback on all other expenses anywhere anytime.
As a welcome offer, you get AED 250 bonus cashback and 1-year complimentary Amazon Prime subscription
Enjoy additional cashback at over 1,500 e-commerce sites and online shopping through ShopSmart
Access to various shopping offers and handpicked experiences around the world
Enjoy Buy1Get1 Offers on leisure, entertainment and movie tickets across UAE.
8. ADIB Visa Cashback Credit Card
ADIB bank offers a host of benefits through Visa Cash back 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.
Earn 1% Flat cashback on each credit card expense in UAE and abroad,
Get unlimited roadside assistance within the city limits in UAE,
Enjoy a longer grace period of up to 55 days to repay your bills in full without any profit rate
Get free access to premium airport lounges across the globe through Veloce Lounge
9. Simply Life 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.
Receive 1% cashback on each and every credit card purchase within and outside UAE
Enjoy 2 free movie tickets on spending AED 1,500 or above every month,
Earn attractive cashback on movie tickets purchases,
Enjoy complimentary access to Maharba Lounges at Dubai and Al Maktoum International Airport,
Manage bigger purchases conveniently, with easy payment plans at low-interest rates for flexible tenures.
10. HSBC 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.
Best Cash back Credit Cards for International Transactions in the UAE (2023)
These credit cards are specially designed to provide you attractive cashback points and rewards on every USD that you spend on an international transaction. This cashback can be redeemed at the time of other eligible purchases.
Here is the list of cashback credit cards perfect for your international spending -
Best Cash back Credit Cards in UAE for Groceries or Supermarket Transactions
You can earn attractive cashback when you make grocery purchases using your cashback card in the UAE. Here are some options if you want a cashback credit card for groceries -
Best Cashback Credit Cards for Fuel-Related Transactions in UAE 2023
With a cashback credit card, you can also save on your fuel spends by spending a minimum amount as stated in the terms. This cashback is redeemable for other transactions that you perform using your cashback credit card. Here are some cashback credit card options with rewards on fuel spend -
Best Cash back Credit Cards in UAE 2023 for Utility Transactions
With a cashback credit card, you can now also save on the amount that you spend on utilities like electricity, telephone, and government services such as Salik and car registration. Listed below are the top cashback credit card for utility transactions in the UAE -
Credit Card Name
Cashback on Utility
Minimum Spend
Maximum Spend
Deem Finance Mastercard Titanium Cash Up Credit Card
List of Best Cash back Credit Cards in UAE for June 2023 that offers up to 10% Cashback
Credit Card Name
Cashback Offered
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
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 cashback 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.
Best Cash back Credit Card in UAE 2023 - Annual Fee and Minimum Salary
Following are the best cashback credit card in UAE for January 2023 along with their salary requirements and annual membership fee.
Things to Remember Before Applying for a Cash back Credit Card
You need to take care of a few things before applying for the best cashback credit card in UAE.
Each cashback credit card has an upper cashback limit unless specified otherwise. Once the cashback upper limit is reached, no more cashback is awarded on your spending. You need to consider the amount of cashback that you can earn with a specific credit card.
Several credit cards have minimum spending criteria, meaning that you need to spend a minimum amount before becoming eligible for earning cashback. Choose best cashback credit card that suits your spending amount.
The earned cashback has validity before which you can use it. Additionally, you may have a limited cashback offer on some credit cards. Ensure that you read the terms and conditions before applying for a credit card.
Also, ensure that the cashback offers on your credit card are valid on a wider range of expenses and not on a specific brand or outlet.
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.
With a cashback credit card, you get a chance to earn cash rewards on the money you spend on online purchases, utility bills, fuel, and more. Note that the cashback here is offered as a percentage of the amount you spend and that you can earn cashback only if you pay off the balance completely every month.
What is the minimum monthly income required to apply for a cashback credit card?
The minimum monthly income necessary for a cashback credit card in the UAE is AED 5,000.
What cashback credit card options are available for applicants earning AED 5,000 per month?
The credit card options for people earning AED 5,000 per month are as follows - Abu Dhabi Islamic Bank Visa Cashback Card, Abu Dhabi Islamic Bank Dana Mastercard, Dubai Islamic Bank Consumer Reward Card, Dubai First Cashback Card, Deem Finance Mastercard Titanium Cash Up Credit Card, and more.
What cashback credit card options are available for applicants earning AED 8,000 per month?
Some of the top cashback cards for people earning at least AED 8,000 per month are - First Abu Dhabi Bank Cashback Card, Emirates Islamic Cashback Card, Mashreq Bank Cashback Card, Citibank Citi Cashback Card, RAKBANK Titanium Mastercard Credit Card, Commercial Bank of Dubai Super Saver Card, and more.
What are some cashback credit cards available for applicants earning a minimum of AED 10,000 per month?
Here are some credit cards that you would be eligible for with a minimum income of AED 10,000 per month - Abu Dhabi Islamic Bank Cashback Visa Platinum Card, Ajman Bank ULTRACASH Mastercard Touch Card, Deem Finance Mastercard Platinum Cash Up Credit Card, HSBC Cashback Credit Card, Liv. World Credit Card, and more.
Which cashback card is the best for international spend?
Almost all credit cards with cashback reward systems offer promising cashback on international spending. Some options that you can go for are Citibank Citi Cashback Card, Deem Finance Mastercard Titanium Cash Up Credit Card, RAKBANK World Mastercard Credit Card, and so on.
Which cashback credit card is the best for supermarket and grocery transactions?
You can go for cashback cards like RAKBANK World Mastercard Credit Card, Dubai First Cashback Card, Ajman Bank ULTRACASH Mastercard Touch Card, Deem Finance Mastercard Titanium Cash Up Credit Card, and more if you are looking for an ideal credit card for saving on supermarket and grocery spend.
What cashback credit card can you opt for to pay school fees?
If you are a parent and need a cashback credit card to save on school fees, you can go for options like Emirates Islamic Cashback Plus Card, Ajman Bank ULTRACASH Mastercard Touch Card, Mashreq Bank Cashback Card, and more.
What cashback credit card is preferable for online transactions in the UAE?
If you are a frequent online shopper, the suitable credit card options with cashback rewards available for you include Mashreq Bank Cashback Card, Deem Finance Mastercard Platinum Cash Up Credit Card, Ajman Bank ULTRACASH Mastercard Touch Card, and more.
What are cashback credit card options available for fuel spends?
You can try any of these credit cards if you want to earn cashback on fuel spends - Ajman Bank ULTRACASH Mastercard Touch Card, First Abu Dhabi Bank Cashback Card, Emirates Islamic RTA Card, Deem Finance Mastercard Titanium Cash Up Credit Card, Mashreq Bank Cashback Card, and more.
Which cashback credit cards do not have an annual fee?
Some cashback credit cards with no annual fee are Emirates Islamic RTA Card, Liv. Platinum Credit Card, Mashreq Bank Cashback Card, Deem Finance Mastercard Platinum Cash Up Credit card, RAKBANK Titanium Mastercard Credit Card, and more.
Do you get a cashback reward on all the transactions made from cashback credit card?
Most cashback credit cards offer rewards on select transactions like international spends, domestic spends at select retail outlets, online shopping, booking movie tickets, utility payments, and more.
What is a Merchant Category Code?
A Merchant Category Code (MCC) is a 4-digit code that is assigned to a credit card network (Visa, Mastercard, American Express, and so on.). This code categorises the merchants and helps in tracking your spending.
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