Best Cashback Credit Cards in UAE - April 2024

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  • Cashback up to AED 2,000
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  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits
Top Cash back Credit Cards in UAE

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. 

Cashback Credit Card in UAE

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 April 2024 - 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: 

Best Cashback Credit Cards

Cashback on Various Credit Card Expenses

ADIB Cashback Visa Platinum Card

Receive 1% cashback flat on each and every credit card expense

Emirates Islamic Cashback Plus Credit Card

Earn a 10% cashback on supermarket, education, dining, and telecom expenses.

FAB Cashback Credit Card

Earn a 5% cashback on shopping, fuel, utility expense

Citibank Citi Cashback Card

Earn a 3% cashback on non-AED spending

RAKBANK Titanium Card

Get a 5% cashback on supermarket and restaurant spending

Mashreq Cashback Credit Card

Get 5% cashback on dining expenses

Dubai First Cashback Credit Card

Get up to 5% cashback on shopping and online purchases

ADIB Visa Cashback Card

Earn 1% cashback on each credit card expense anywhere anytime

Simply life Cashback Credit Card

Get 1% cashback on all expenses with a minimum monthly expense of AED 1,000

HSBC Cashback Credit Card

Earn 10% cashback on fuel expenses

Cashback Back & Free Airport Lounge Access - Policybazaar uae

1. ADIB Visa Cashback Platinum Credit Card

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

ADIB Cashback Visa Platinum Card

Cash Back
  • Minimum Salary AED 10,000
  • Annual Fee AED 1000
  • Cash Back
  • Free for 1st Year
  • Airport Lounge Access
  • Dining Discounts

Features of ADIB Visa Cashback Platinum Credit Card

  • Earn 1% cashback flat on each local and international spending,
  • Enjoy a low-profit rate of as low as 2.99% on your outstanding bills. 
  • Get a cash advance limit of up to 100% of your credit limit 
  • This credit card offers up to 55 days of grace period to pay your outstanding bills in full without paying any profit rate. 
  • Enjoy extensive roadside assistance anywhere anytime in UAE
  • Get unlimited airport lounge access across the globe with Veloce Lounge

2. Emirates Islamic Cashback Plus 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.  

Emirates Islamic Cashback Plus Card

Cashback
  • Minimum Salary AED 12,000
  • Annual Fee AED 313.95
  • Cashback
  • Airport Lounge Access
  • Golf Benefits
  • Nol Card
  • Movie Discounts
  • Dining Discounts

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. 

FAB Cashback Card

Cash Back
  • Minimum Salary AED 5,000
  • Annual Fee AED 315
  • Cashback
  • Airport Lounge Access
  • Movie Discounts
  • Travel Discounts
  • Hotel Discounts

Features of FAB Cashback Credit Card

  • 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. 

Citibank Citi Cashback Credit Card

Cash Back
  • Minimum Salary AED 8,000
  • Annual Fee AED 300
  • Cashback
  • Free for Life
  • Travel Insurance
  • Purchase protection & Extended Warranty
  • Airport Lounge Access

Features of Citi Bank Citi Cashback Credit Card 

  • Earn up to 3% cashback on non-AED spending,
  • 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. 

RAKBANK Titanium Credit Card

Cash Back
  • Minimum Salary AED 8,000
  • Annual Fee Free for Life
  • Cash Back
  • Free for Life
  • Airport Lounge Access
  • Movie Discounts
  • Dining Discounts

Features of RAKBANK Titanuim Credit Card

  • Earn 5% cashback on all supermarket purchases
  • 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

Mashreq Cashback Credit Card

Cashback
  • Minimum Salary AED 7,000
  • Annual Fee Free for life
  • Cashback
  • Free for life
  • Dining Discounts

Features of Mashreq Cashback Credit Card

  • Earn up to 5% cashback on dining expenses in UAE
  • 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. 

Dubai First Cashback Credit Card

Cashback
  • Minimum Salary AED 10,000
  • Annual Fee AED 399
  • Cashback
  • Airport Lounge Access
  • Hotel Discounts
  • Travel Discounts

Features of Dubai First Cashback Credit Card

  • Earn 5% cashback on supermarket purchases
  • Get 5% cashback on online shopping
  • 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

ADIB Visa Cashback Card

Cashback
  • Minimum Salary AED 5,000
  • Annual Fee AED 500
  • Airport Lounge Access
  • Free for 1st year
  • Dining Discounts
  • Cashback

Features of 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.

ADCB SimplyLife Cashback Card

Cashback
  • Minimum Salary AED 5000
  • Annual Fee Free for life
  • Cashback
  • Free for life
  • Dining Discounts
  • Movie Discounts

Features of 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. 

HSBC Cashback Credit Card

Cashback
  • Minimum Salary AED 10,000
  • Annual Fee Free for 1st Year
  • Welcome Bonus
  • Airport Lounge Access
  • Travel Insurance
  • Golf Benefits
  • Free for 1st year
  • Cashback
  • Movie Discounts

Features of HSBC Cashback Credit Card

  • Enjoy 10% cashback on fuel expenses in UAE,
  • Get 3% cashback on supermarket and grocery expenses
  • Recieve 1% cashback on all other credit card expenses anywhere around the world, 
  • Cashback gets automatically credited to your credit card account at the end of every month
  • Enjoy exclusive access to the Buy1Get1 offer on movie tickets and various shopping offers across outlets in UAE, 
  • Enjoy shopping discounts and benefits through the Visa Entertainers app
  • Get up to 12 complimentary airport lounge access around the world every year. 
How to Pay Etisalat Bill Payment Online Through Credit Card

Best Cash back Credit Cards for International Transactions in the UAE (2024)

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 -

Credit Card Name International Spends Minimum Spend Maximum Spend
Citibank Cashback Credit Card 3% NIL No Cap
Mashreq Bank Cashback Card 2% NIL No Cap
Deem Finance Mastercard Titanium Cash Up Credit Card 1.5% AED 1,000 per statement cycle No Cap
Emirates Islamic Cashback Card 1% NIL No Cap
Emirates Islamic RTA Card Up to 2.25% N/A Unlimited
Click here to Apply for Cash Back Credit Cards for International Transactions

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 -

Credit Card Name Cashback on Grocery Minimum Spend Maximum Spend
Citibank Cashback Credit Card 2% NA NIL
Emirates Islamic Cashback Plus Credit Card Up to 10% AED 3,000 per month Over AED 17,500 per month
First Abu Dhabi Bank Cashback Credit Card Up to 5% (including Online) NA NA
HSBC Cashback Credit Card 2% AED 3,000  No cap
Deem Finance Mastercard Titanium Cash Up Credit Card 3% AED 1,000 No Cap
Click here to Apply for Best Cash Back Credit Card for Grocery

Best Cashback Credit Cards for Fuel-Related Transactions in UAE 2024

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 -

Credit Card Name Cashback on Fuel Spend Minimum Spend Maximum Spend
Emirates Islamic RTA Card 10% NIL No cap
Mashreq Bank Cashback Card 0.33% NIL No Cap
RAKBANK Titanium Mastercard Credit Card 5% AED 5,000 per month No Cap
HSBC Cashback Credit Card 5% AED 3,000 No Cap
Deem Finance Mastercard Titanium Cash Up Credit Card 3% NA No Cap
Click here to Apply for Cash Back Credit Card in UAE for Fuel Related Transactions

Best Cash back Credit Cards in UAE 2024 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 Up to 3% AED 2,000 No Cap
Mashreq Bank Cashback Card 0.33% NIL No Cap
First Abu Dhabi Bank Cashback Credit Card 5% NIL No Cap
Emirates Islamic RTA Card 10% on RTA transport payments NIL No Cap
HSBC Cash+ Credit Card 10% per month AED 5,000 per month No Cap
Click here to Apply for Best Cashback Credit Cards for Utility Bill Payments

Best Cashback Credit Card for Online Transactions in UAE 2024

The following are the top cashback credit cards for online transactions -

Credit Card Name Cashback on Online Shopping  Minimum Spend Maximum Spend
Ajman Bank Mastercard Ultracash Touch Card 5% NIL No Cap
First Abu Dhabi Bank Cashback Credit Card 1% NIL No Cap
RAKBANK Titanium Mastercard Credit Card 10% on booking your vacation via Booking.com  NIL No Cap
Dubai First Cashback Credit Card AED 300 as sign-up bonus AED 2,000 No Cap
Deem Finance Mastercard Platinum Cash Up Credit Card 5% NIL No Cap
Click here to Apply Cash Back Credit Cards for Online Payments

List of Best Cash back Credit Cards in UAE for April 2024 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 card in uae with up to 10% cashback. 

Credit Score - Policybazaar uae

Best Cash back Credit Card in UAE 2024 -  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.

Cashback Credit Card Name Annual Membership Fee  Salary Requirement
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

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. 
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.

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FAQ's on Best Cash back Credit Card in UAE 

What is a Cashback Credit Card?

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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