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 November 2022 - 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.
List of Best Cash back Credit Cards in UAE for November 2022 that offers up to 10% Cashback
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.
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
Best Cash back Credit Card in UAE 2022 - Annual Fee and Minimum Salary
Following are the best cashback credit card in UAE for November 2022 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.
Which is better – a higher cashback rate with an annual fee or a lower cashback rate with no annual fee?
Depending on your expense type, you can choose a suitable best cash back 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.
Can I earn cashback on shopping with cashback rewards?
No, you earn cashback only for purchases made using your credit card and not on redeeming your cashback for purchases.
Can I lose my cashback for skipping a credit card payment?
Yes, you may lose your accrued cashback points as a penalty for missing your credit card payment.
Do I get cashback on international transactions?
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.
What are the eligibility requirements for earning cashback on credit cards?
As an eligibility requirement, you may need to meet the minimum spending requirements to earn cashback on your credit card.
Can I earn cashback for cash withdrawals using my credit card?
No, you do not get cashback for withdrawing cash from ATMs and CCDMs using your 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 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.
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.
How can I redeem my cashback using my cashback credit card?
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.
Do I need to have a minimum spending limit to be eligible for cashback program?
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.
Which credit card offers highest discount on fuel expenses?
HSBC Cashback Credit Card offers up to 10% cashback on fuel expenses. However, you can accrue a maximum of AED 100 cashback per month.
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