Best cashback credit cards in the UAE
Cashback cards pay a share of what you spend back as cash or statement credit. The best one depends on where your money goes and whether you can hit a minimum monthly spend, so check the "Top rate needs" figure on each card.
Our top picks
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1
ADCB
365 Cashback Credit Card
High rates where most people spend: 6% on dining, 5% on fuel and Salik, 3% on groceries. Needs AED 5,000 a month on the card.
Fee: AED 383.25 from yr 2Salary: AED 5,000Top rate needs: AED 5k/mo
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2
Citibank UAE
Citi Cash Back Credit Card
No minimum spend and no caps: 3% abroad, 2% on groceries, 1% on everything else.
Fee: AED 315 from yr 2Salary: AED 8,000
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3
Mashreq
Mashreq Cashback Credit Card
Free for life with 5% on dining in the UAE and abroad and no minimum spend.
Fee: Free for lifeSalary: AED 5,000
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4
Emirates Islamic
Emirates Islamic Switch Cashback Card
Switch between a lifestyle mode (8% fuel, 4% groceries and dining) and a travel mode as your spending changes.
Fee: AED 313.95 from yr 2Salary: Not publishedTop rate needs: AED 2.5k/mo
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5
ADCB
Essential Cashback Credit Card
Simple flat cashback on everything, free for life, if you don't want to track categories.
Fee: Free for lifeSalary: AED 5,000Top rate needs: AED 1k/mo
Picks are chosen by the MoneyVS team from each bank's published terms. Banks can't pay for placement. How we choose.
All 19 cards
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0%matchFirst Abu Dhabi Bank
FAB Cashback Credit Card
5% on fashion, dining and groceries
- Annual fee
- AED 315
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- AED 3k/mo
No welcome bonus right now
- Airport lounges
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0%matchIslamicFirst Abu Dhabi Bank
FAB Cashback Islamic Credit Card
5% on groceries, fuel and dining (max AED 300 a month for UAE nationals, AED 200 for expats)
- Annual fee
- AED 315
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
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0%matchFirst Abu Dhabi Bank
FAB GEMS World Credit Card
Save up to 3% on GEMS school fees
- Annual fee
- AED 418.95
- Min. salary
- AED 8,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Cinema offers
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0%match
ADCB
365 Cashback Credit Card
6% on dining, including online orders
- Annual fee
- AED 383.25 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- AED 5k in 45 days
- Top rate needs
- AED 5k/mo
Welcome bonusAED 365 cashback when you spend AED 5,000 within 45 days.
- Cinema offers
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0%matchIslamicADCB
Islamic 365 Cashback Covered Card
6% on dining, including online orders
- Annual fee
- AED 383.25 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- AED 5k in 45 days
- Top rate needs
- AED 5k/mo
Welcome bonusAED 365 cashback when you spend AED 5,000 within 45 days.
- Cinema offers
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0%matchFree for life
ADCB
Essential Cashback Credit Card
1.25% cashback in months you spend AED 5,000+
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No spend needed
- Top rate needs
- AED 1k/mo
Welcome bonusUp to AED 250 (Apply through select ADCB digital channels (see bank terms)).
- Airport lounges
- Cinema offers
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0%matchIslamicUAE nationals onlyADCB
ADCB Emirati Islamic Card
7% cashback on flights, hotels, fuel, dining, jewellery, spas and gyms
- Annual fee
- AED 945 from yr 2
- Min. salary
- AED 8,000
- Bonus needs
- No bonus
- Top rate needs
- AED 7k/mo
No welcome bonus right now
- Airport lounges
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0%matchFree for life
Mashreq
Mashreq Cashback Credit Card
5% on dining in the UAE and abroad
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- AED 5k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 500 (AED 100 if you already have a Mashreq card) when you spend AED 5,000 within 60 days.
- Cinema offers
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0%matchHSBC UAE
HSBC Cash+ Credit Card
1% cashback on all purchases, no minimum spend, no cap
- Annual fee
- AED 1,050 from yr 2
- Min. salary
- AED 30,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Cinema offers
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0%matchHSBC UAE
HSBC Live+ Credit Card
6% on dining (max AED 200 a statement)
- Annual fee
- AED 313.95 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- No spend needed
- Top rate needs
- AED 3k/mo
Welcome bonusUp to AED 600 cashback (get the card (new HSBC credit card customers only)); AED 100 cashback (first use in a mobile wallet); AED 100 cashback (get a supplementary card and use it).
- Airport lounges
- Cinema offers
- Golf
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0%match
Citibank UAE
Citi Cash Back Credit Card
3% on non-AED spend
- Annual fee
- AED 315 from yr 2
- Min. salary
- AED 8,000
- Bonus needs
- AED 6k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 300 statement credit when you spend AED 6,000 within 60 days.
- Airport lounges
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0%matchIslamicDubai Islamic Bank
Consumer Cashback Platinum Card
4% on supermarkets and school fees (max AED 300 a month each)
- Annual fee
- AED 261.45 from yr 2
- Min. salary
- AED 15,000
- Bonus needs
- No bonus
- Top rate needs
- AED 4k/mo
No welcome bonus right now
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0%matchIslamicDubai Islamic Bank
Consumer Cashback Reward Card
Up to 3% on supermarkets, fuel, bills, Salik and Nol, and school fees
- Annual fee
- AED 210 from yr 2
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- AED 3k/mo
No welcome bonus right now
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0%matchIslamicAbu Dhabi Islamic Bank
Cashback Visa Covered Card
4% on supermarkets and groceries (max AED 300 a month)
- Annual fee
- AED 99
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Roadside assistance
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0%matchIslamic
Emirates Islamic
Emirates Islamic Switch Cashback Card
Lifestyle mode: 8% fuel (max AED 100), 4% supermarkets, dining and education (max AED 200 each)
- Annual fee
- AED 313.95 from yr 2
- Min. salary
- Not published
- Bonus needs
- AED 15k in 60 days
- Top rate needs
- AED 2.5k/mo
Welcome bonusAED 500 cashback when you spend AED 15,000 within 60 days.
- Airport lounges
- Valet parking
- Golf
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0%matchIslamicEmirates Islamic
Emirates Islamic Cashback Plus Card
10% on supermarkets, school fees, dining and telecom at AED 17,500+ a month
- Annual fee
- AED 313.95 from yr 2
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- AED 3k/mo
No welcome bonus right now
- Airport lounges
- Valet parking
- Golf
-
0%matchIslamicEmirates Islamic
Emirates Islamic Cashback Card
5% on Etisalat and du bills
- Annual fee
- AED 367.5
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Cinema offers
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0%matchIslamicFree for lifeEmirates Islamic
Emirates Islamic Barça Cashback Covered Card
4% on UAE supermarkets, dining, fuel and sports (max AED 100 each a month)
- Annual fee
- Free for life
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- AED 1k/mo
No welcome bonus right now
- Cinema offers
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0%matchIslamicFree for lifeEmirates Islamic
Emirates Islamic RTA Card
10% on RTA transport (Nol, metro, bus) and fuel (max AED 75 each a month)
- Annual fee
- Free for life
- Min. salary
- Not published
- Bonus needs
- No bonus
- Top rate needs
- AED 1k/mo
No welcome bonus right now
No cards fit those filters yet.
Compare up to 4
Questions people ask
Which UAE cashback card has no minimum spend?
Citi Cash Back, Mashreq Cashback and Emirates Islamic Cashback all state no minimum monthly spend for their cashback. Many others, like ADCB 365 and FAB Cashback, pay their headline rates only above a monthly spend threshold.
Is cashback capped?
Often, yes. Many cards cap cashback per category or per month, typically between AED 100 and AED 1,000. Each card page on MoneyVS lists the cap the bank publishes.
Do cashback cards earn on bills and government payments?
Usually at a much lower rate. Most banks pay a reduced rate, often under 0.5%, on utilities, telecom, government, education and rent payments.