Best credit cards for groceries in the UAE
Groceries are one of the biggest monthly costs for UAE households. These cards pay a higher rate at supermarkets, either everywhere or at a specific chain.
Our top picks
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1
First Abu Dhabi Bank
FAB Cashback Credit Card
5% on groceries, dining and fashion when you spend AED 3,000+ a month.
Fee: AED 315Salary: AED 5,000Top rate needs: AED 3k/mo
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2
Emirates Islamic
Emirates Islamic Cashback Plus Card
Up to 10% on supermarkets, school fees, dining and telecom for high spenders.
Fee: AED 313.95 from yr 2Salary: Not publishedTop rate needs: AED 3k/mo
-
3
Abu Dhabi Islamic Bank
Cashback Visa Covered Card
4% on supermarkets for an AED 99 fee (max AED 300 a month).
Fee: AED 99Salary: Not published
-
4
Emirates NBD
SHARE Visa Signature Credit Card
6% back at Carrefour and other Majid Al Futtaim brands, free for life.
Fee: Free for lifeSalary: AED 12,000
-
5
ADCB
ADCB LuLu Platinum Credit Card
8% back at LuLu, free for life.
Fee: Free for lifeSalary: AED 8,000
Picks are chosen by the MoneyVS team from each bank's published terms. Banks can't pay for placement. How we choose.
All 34 cards
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0%matchPrivate banking, by invitationEmirates NBD
SHARE Visa Private Credit Card
10% back as SHARE Points at Majid Al Futtaim (malls, Carrefour, VOX)
- Annual fee
- AED 1,500
- Min. salary
- Not published
- Bonus needs
- AED 40k in 90 days
- Top rate needs
- No minimum
Welcome bonus10,000 SHARE Points (AED 1,000) when you spend AED 40,000 within 90 days; Joining fee refunded when you spend AED 40,000 within 90 days.
- Airport lounges
- Cinema offers
- Concierge
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0%matchEmirates NBD
SHARE Visa Infinite Credit Card
8% back as SHARE Points at Majid Al Futtaim (malls, Carrefour, VOX)
- Annual fee
- AED 1,500
- Min. salary
- AED 30,000
- Bonus needs
- AED 40k in 90 days
- Top rate needs
- No minimum
Welcome bonus10,000 SHARE Points (AED 1,000) when you spend AED 40,000 within 90 days; Joining fee refunded when you spend AED 40,000 within 90 days.
- Airport lounges
- Cinema offers
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0%matchFree for life
Emirates NBD
SHARE Visa Signature Credit Card
6% back as SHARE Points at Majid Al Futtaim (malls, Carrefour, VOX)
- Annual fee
- Free for life
- Min. salary
- AED 12,000
- Bonus needs
- AED 25k in 90 days
- Top rate needs
- No minimum
Welcome bonus5,000 SHARE Points (AED 500) when you spend AED 25,000 within 90 days.
- Airport lounges
- Cinema offers
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0%matchFree for lifeEmirates NBD
SHARE Visa Platinum Credit Card
4% back as SHARE Points at Majid Al Futtaim (malls, Carrefour, VOX)
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Cinema offers
-
0%matchEmirates NBD
LuLu 247 Platinum Credit Card
7% back as LuLu Points at LuLu in-store and online
- Annual fee
- AED 262.5
- Min. salary
- AED 12,000
- Bonus needs
- AED 8k in 60 days
- Top rate needs
- No minimum
Welcome bonus250 LuLu Points (pay the joining fee and make a first purchase); 250 LuLu Points when you spend AED 8,000 within 60 days.
- Airport lounges
- Cinema offers
- Valet parking
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0%matchFree for lifeEmirates NBD
LuLu 247 Titanium Credit Card
Up to 3.5% back as LuLu Points at LuLu
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus0% balance transfer, no processing fee (transfer a balance from another bank).
- 0% balance transfer
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0%matchFree for lifeEmirates NBD
Duo Credit Card
5% Plus Points on groceries, electronics, utilities, education and fuel
- Annual fee
- Free for life
- Min. salary
- AED 12,000
- Bonus needs
- No bonus
- Top rate needs
- AED 5k/mo
No welcome bonus right now
- Airport lounges
- Golf
- Cinema offers
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0%match
First 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
-
0%matchFirst Abu Dhabi Bank
FAB SHARE Infinite Credit Card
8% back in SHARE points at Mall of the Emirates, City Centres, Carrefour and VOX
- Annual fee
- AED 1,050
- Min. salary
- AED 25,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus10,000 SHARE points (AED 1,000) (activate the card).
- Airport lounges
- Cinema offers
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0%matchFirst Abu Dhabi Bank
FAB SHARE Signature Credit Card
6% back in SHARE points at Mall of the Emirates, City Centres, Carrefour and VOX
- Annual fee
- AED 525
- Min. salary
- AED 10,000
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus5,000 SHARE points (AED 500) (activate the card).
- Cinema offers
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0%matchFree for lifeFirst Abu Dhabi Bank
FAB SHARE Platinum Credit Card
4% back in SHARE points at Mall of the Emirates, City Centres, Carrefour and VOX
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Cinema offers
-
0%matchADCB
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
-
0%matchFree for lifeADCB
talabat ADCB Credit Card
35% back on your first 10 talabat orders a month (up to AED 35 an order)
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- AED 5k in 45 days
- Top rate needs
- No minimum
Welcome bonusAED 750 talabat credit (AED 200 if you already have an ADCB card) when you spend AED 5,000 within 45 days.
- Airport lounges
- Cinema offers
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0%matchIslamicFree for lifeADCB
talabat ADCB Islamic Card
35% back on your first 10 talabat orders a month (up to AED 35 an order)
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- AED 5k in 45 days
- Top rate needs
- No minimum
Welcome bonusAED 750 talabat credit (AED 200 if you already have an ADCB card) when you spend AED 5,000 within 45 days.
- Airport lounges
- Cinema offers
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0%matchFree for life
ADCB
ADCB LuLu Platinum Credit Card
8% back as LuLu Points at LuLu, no minimum spend
- Annual fee
- Free for life
- Min. salary
- AED 8,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
- Cinema offers
-
0%matchFree for lifeADCB
ADCB LuLu Titanium Credit Card
3.5% back as LuLu Points at LuLu
- Annual fee
- Free for life
- Min. salary
- AED 5,000
- Bonus needs
- No bonus
- Top rate needs
- No minimum
No welcome bonus right now
- Airport lounges
-
0%matchFree for lifeMashreq
Mashreq Aura Credit Card
Up to 8% back as Aura Points at Aura brands (H&M, Bath & Body Works, Shake Shack, Starbucks)
- Annual fee
- Free for life
- Min. salary
- Not published
- Bonus needs
- AED 5k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 500 in Aura Points (AED 100 if you already have a Mashreq card) when you spend AED 5,000 within 60 days.
- Airport lounges
-
0%matchMashreq
Mashreq Aura World Credit Card
Up to 10% back as Aura Points at Aura brands
- Annual fee
- AED 525
- Min. salary
- Not published
- Bonus needs
- AED 10k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 1,000 in Aura Points (AED 200 if you already have a Mashreq card) when you spend AED 10,000 within 60 days.
- Airport lounges
-
0%matchMashreq
Mashreq Aura World Elite Credit Card
Up to 12% back as Aura Points at Aura brands
- Annual fee
- AED 1,575
- Min. salary
- Not published
- Bonus needs
- AED 15k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 2,500 in Aura Points (AED 500 if you already have a Mashreq card) when you spend AED 15,000 within 60 days.
- Airport lounges
-
0%matchMashreq
Mashreq Platinum Plus Credit Card
10 Vantage points per AED on supermarkets, fuel and dining
- Annual fee
- AED 313.95
- Min. salary
- AED 5,000
- Bonus needs
- AED 5k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 750 (AED 200 if you already have a Mashreq card) when you spend AED 5,000 within 60 days.
- 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%matchCitibank UAE
Citi Premier Credit Card
3 ThankYou Points per USD on dining, fuel and groceries
- Annual fee
- AED 787.5
- Min. salary
- AED 15,000
- Bonus needs
- AED 10k in 60 days
- Top rate needs
- No minimum
Welcome bonusAED 750 statement credit when you spend AED 10,000 within 60 days.
- Airport lounges
- Cinema offers
- Golf
-
0%matchCitibank UAE
Citi Rewards Credit Card
1.5 ThankYou Points per USD on groceries and 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
- Cinema offers
-
0%matchCitibank 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
-
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
-
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
-
0%matchIslamic
Abu 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
-
0%matchIslamicAbu Dhabi Islamic Bank
ADIB SHARE Visa Infinite Card
6% back in SHARE Points at Carrefour and Majid Al Futtaim (12% for a limited time on new cards)
- Annual fee
- AED 999
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus10,000 SHARE Points (AED 1,000) (pay the first annual fee, activate and spend within 30 days).
- Airport lounges
- Valet parking
-
0%matchIslamicAbu Dhabi Islamic Bank
ADIB SHARE Visa Platinum Card
3% back in SHARE Points at Carrefour and Majid Al Futtaim (6% for a limited time on new cards)
- Annual fee
- AED 199
- Min. salary
- Not published
- Bonus needs
- No spend needed
- Top rate needs
- No minimum
Welcome bonus2,000 SHARE Points (AED 200) (pay the first annual fee, activate and spend within 30 days); 6% back at Majid Al Futtaim for the first 3 months (automatic).
- Valet parking
- Roadside assistance
-
0%matchIslamicEmirates 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
-
0%matchIslamic
Emirates 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%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
No cards fit those filters yet.
Compare up to 4
Questions people ask
Which credit card gives the most cashback on groceries in the UAE?
Supermarket co-brands pay the highest rates at their own stores, like 8% at LuLu with ADCB LuLu Platinum. For any supermarket, general cashback cards such as FAB Cashback (5%) and ADIB Cashback (4%) are strong, but check the monthly minimum spend and caps.