In the financial landscape of UAE, cashback credit cards are a preferred choice for individuals to maximize the value of everyday spending. The cashback credit card offers a great opportunity to earn a percentage of what you spend on various transactions. It includes shopping utilities, dining groceries and more. A lot of banks in UAE offer competitive cashback credit cards and you can find the best one according to your requirement.
This comprehensive guide covers the top 11 best cash back credit cards in UAE:
Abu Dhabi Islamic Bank Cashback
The Abu Dhabi Islamic Bank Cashback Visa Platinum Card is one of the popular choices for individuals who want great value for money. The card is sharia- compliant, making it best for those who prefer Islamic banking principles.
Features
- Up to 5% cashback on utility bills education expenses and groceries
- 1% cashback on other purchases
- Flexible repayment options with profit as low as 2.49% monthly
- No annual fee for the first year
- Access to exclusive offers on travel and entertainment
Benefits
- Earn cashback on daily essentials including grocery and utility bills
- Enjoy worldwide travel offers including discounts on hotel stays and flight tickets
- Wide acceptance of ADIB Visa platinum across UAE and abroad
- Cashback for essential categories
Considerations
- Cashback is capped that can limit the earning of higher standards
- After the first year, AED 1000 is applicable as an annual fee
Citibank Citi Cashback Card
Citibank is famous for excellent cashback offerings. The city cashback card offers great simplicity and value for everyday standards and Shoppers.
Features
- 3% cashback on supermarket purchases and groceries
- 2% cashback on fuel at petrol stations in UAE
- 1% cashback and on other purchases
- Complimentary access to selected airport lounges
- No minimum spend to earn cashback
Benefits
- Access to variety of citi deals on entertainment, travel and dining
- Cashback is automatically credited to the statement every month
- No annual fee for first month, making it affordable
- Wide acceptance at multiple retailers including petrol stations and supermarkets
Considerations
- Limited to certain categories like groceries and fuel
- Annual fee of AED 300 is applied from the second year
Commercial Bank of Dubai Super Saver Credit Card
The CBD Super Saver Credit Card is an ideal choice for individuals who want to save on a variety of categories including medical expenses, dining and education. The cashback is offered across multiple segments. It is a versatile option for card holders.
Features
- 10% cashback on supermarkets school fees and utility bills
- 1% cashback on other purchases
- 0% interest payment plan for 1 year on hospital bills and school fees
- Access to complimentary airport lounge service all over the world
Benefits
- No annual fee for the first year
- High cashback rates on essential spending categories
- Additional benefits include travel insurance extended warranty and purchase protection
Considerations
- Annual fee of AED 525 is applicable after the first year
- Cashback is capped in some categories that limit the overall savings
Standard Chartered Manhattan Platinum Credit Card
The Manhattan Platinum credit card from Standard Chartered Bank is famous for opening solid cashback rates. The individuals get cashback on specific categories like utility bills, dining and groceries.
Features
- 10% cashback on grocery shopping and supermarket
- 5% cashback on school fees, Telecom payments, and utility bills
- 1% cashback on others finding
- Access to over 100 airport lounges
Benefits
- Complimentary travel insurance coverage
- High cash back percentage on critical spending
- Attractive discounts and offers on travel shopping and dining
Considerations
- AED 525 annual fee is charged from the second year
- Cashback capped at AED 500 per month
First Abu Dhabi Bank (FAB) Cashback Credit Card
The FAB Cashback Credit Card offers the users with great ability to earn cashback across different categories. For this purpose, minimum spending is required to make it accessible for all types of users.
Features
- 5% cashback on Supermarket transactions
- 2% cashback on fuel and utility payments
- 1% cashback on other purchases
- No minimum spending is required to end cashback
- Complimentary roadside assistance and travel accident insurance is included
Benefits
- Cashback can be redeemed for various expenses
- No minimum standing threshold, making it perfect for low standards
Consideration
- AED 315 is charged as annual fee from second year onwards
- Cashback rates are moderate as compared to other cards
HSBC Cashback Credit Card
HSBC is famous for providing competitive cashback rewards. It is best for individuals who have significant monthly spending and want to earn a percentage on their purchases.
Features
- 10% cashback on entertainment and dining
- 1% cashback on other retail transactions
- 0% installment plan for up to 6 months
- Exclusive discounts on car rentals, hotels and flights
Benefits
- Installment plan allow card holders to separate the cost of large purchase
- High cash back percentage on entertainment and dining
- Travel perks include hotel offers and complementary insurance
Considerations
- AED 299 as annual fee is charged
- Cashback on other purchases is low at 1%
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Emirates Islamic Cashback Plus Card
The Emirates Islamic cashback plus card is famous for offering a variety of perks for those who want to align their financial habits with Islamic banking principles. Individuals using Emirates Islamic cards can earn significant cashback.
Features
- 10% cashback on utility bill payments and education fees
- 1% cashback on other purchase
- Complimentary access to airport lounges
- Sharia- compliant financing model with profit rate starting at 2.49% monthly.
Benefits
- Sharia-compliance structure ensure aligns with Islamic banking practices
- Cashback on utilities and education
- Additional Park includes travel offers and exclusive lifestyle
Considerations
- Cashback is capped per category
- AED 299 annual fee is charged from the second year onwards
Emirates NBD Liv. Credit Card
The Liv. Credit Card from Emirates NBD is a digital- first card. It is significantly designed for the younger and tech-savvy community. The card provides straightforward and simple cash back options.
Features
- Up to 10% cashback on all purchases without caps
- Instant cashback tracking via app
- Flexible payment options with low interest rate
- Add points that can be redeemed for cash back or other rewards
Benefits
- Instant cashback tracking via user-friendly application
- Additional lifestyle benefits like discount on entertainment, travel and dining
- No complicated rewards structure
Considerations
- Liv. points need more flexibility for certain users
- AED 200 annual fee is charged from the second year
Dubai Islamic Bank Cashback Card
The Dubai Islamic Bank Cashback Card combines Islamic banking with a strong cashback program. The card is ideal for the individuals who prefer sharia-compliant products.
Features
- 10% cashback on groceries, fuel and utility bills
- 1% cashback on other purchases
- Profit rate as low as 2.49% monthly
- Complimentary roadside assistance
Benefits
- Sharia- compliant make it attractive for those who want ethical banking options
- High cashback on fuel and utility
- Free insurance add extra value
Consideration
- AED 500 is charged as annual fee from the second year
- Cashback is capped at certain spending thresholds
Ajman Bank Cashback Credit Card
The Ajman Bank’s Cash Back Credit Card offers a significant cashback program. It is ideal for regular spenders across common categories.
Features
- 5% cashback on school fees groceries and utility bills
- 1% cashback on others findings
- No minimum spend for cashback
- Access to discounts and other offerings on entertainment and dining
Considerations
- Cashback rates are moderates that are not suitable for high standards
- AED 200 as annual fee is charged from the second year
Dubai First Cashback Credit Card
The Dubai First Cashback Credit Card is one of the versatile options for all the individuals who want flexibility in redeeming their cash back earning. It is a popular choice among locals due to its competitive cashback rates.
Features
- 10% cashback on entertainment and dining
- 2% cashback on retail purchase and grocery
- 1% cashback on other expenses exclusive offers and discounts on lifestyle experiences, dining and travel
Considerations
- Cashback is capped depending on the spending category
- AED 300 as annual fee is charged from the second year
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Comparison Table of Cashback Credit Cards in UAE
| # | Credit Card | Annual Fee (After 1st Year) |
| 1 | ADIB Cashback Visa Platinum | AED 1,000 |
| 2 | Citibank Citi Cashback | AED 300 |
| 3 | CBD Super Saver | AED 525 |
| 4 | Standard Chartered Manhattan | AED 525 |
| 5 | FAB Cashback | AED 315 |
| 6 | HSBC Cashback | AED 299 |
| 7 | Emirates Islamic Cashback Plus | AED 299 |
| 8 | Emirates NBD Liv. | AED 200 |
| 9 | Dubai Islamic Cashback | AED 500 |
| 10 | Ajman Bank Cashback | AED 200 |
| 11 | Dubai First Cashback | AED 300 |
