Top 5 Best Cashback Credit Cards in the UAE & Dubai - September 2021
By Neha Goyal
| Published: 12 September 2019 | Last Updated On: 14 September 2021
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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 spending. There are various cashback cards available in the UAE.
Best Cashback Credit Cards in UAE for September 2021
Below listed are some of the best cash back credit cards in UAE:
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.
Cash Back: A maximum of 10% cashback on dining, education, supermarket, telecom & other spends
FAB Cashback 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.
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.
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.
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 Credit 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.
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.
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.
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.
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 Credit 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.
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.
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.
FAQ's on Best CashBack Credit Card
What credit card gives the most cash back?
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.
How can I get cash from my credit card in the UAE?
To get cash from your credit card in the UAE you can use the following platforms:
Visit the nearest ATM: You can use the cash advancement facility and directly borrow money from the ATM
Transfer your credit card amount to your debit account: You can transfer up to 90% of your credit balance to your account balance and withdraw from your account
Visit malls and small businesses: Some small businesses and malls provide you cash in exchange for credit. You can simply swipe the credit card at the Point of Sale (POS) of the shop to avail of this facility
What is better ̶ cashback or reward points?
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!
What is the point of cash back?
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.
What credit card gives you 5% cash back?
FAB Cashback credit card gives you 5% cash back on fuel and utility payments and supermarket purchases.
Is a higher cash back rate with an annual fee better than a lower cash back rate with no annual fee?
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.
Can I get cash back on cash withdrawal?
Generally credit card companies do not offer any cash back on cash withdrawals.
Will missing credit card payments make me lose the cash back earned?
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.
What if I don’t meet the minimum spend requirement to get cash back?
If you do not meet the minimum spend requirement, you will not receive any cash back.
Can I get cash back on supplementary credit cards as well?
Usually, the cash back offers applied on the primary credit card are applicable on a supplementary credit card as well.
