10 best cashback credit cards in UAE (2025)
UAE cashback credit cards let you earn money back on your everyday purchases and make your spending more rewarding.
But with varying cashback rates, annual fees, redemption options, and more, finding the right cashback credit card can be time-consuming and tiring.
Make a decision faster by exploring this shortlist of the top 10 cashback credit cards in UAE. Before we get into it though, let’s first consider the critical factors that come into play when selecting a lifestyle-matching option.
Factors to consider when choosing a cashback credit card in the UAE
What cashback rates and spending categories does the card offer?
Look for a credit card that delivers attractive cashback rates, especially in categories that reflect your spending habits, such as groceries, dining, or travel. This alignment will help you maximize the rewards you earn.
How much are the card’s annual fees and interest rates?
Annual fees vary significantly between credit cards so you must examine them before choosing. And even if your preferred card has no annual fee, you still need to check its interest rates on purchases and balance transfers, whether local or international. Also, review any late payment or cash advance fees to avoid unexpected costs.
Do the card’s redemption options and limits for cashback rewards work for you?
Take a close look at the redemption options for cashback rewards. Some cards may impose restrictions or caps on how much cashback you can earn so ensure these terms align with your preferences. This scrutiny is critical to fully maximizing your rewards.
What are the best cashback credit cards in the UAE?
- Mashreq Cashback Credit Card
- Emirates Islamic Cashback Plus Credit Card
- FAB Cashback Credit Card
- Commercial Bank of Dubai Super Saver Credit Card
- RAKBANK Titanium Credit Card
- HSBC Cashback Credit Card
- Dubai Islamic Bank Prime Credit Card
- Standard Chartered Platinum Cashback Card
- ADCB TouchPoints Platinum Credit Card
- ENBD SPG Cashback Credit Card
1. Mashreq Cashback Credit Card
The Mashreq Cashback Credit Card offers up to 5% cashback on every spend and it’s free for life, meaning zero annual fees forever.
- Cashback rates and spending categories: 5% cashback on international and local dining spends, 2% cashback on other international spends, and up to 1% cashback on local spends. Also, 0.33% cashback for govt. payments, education, utilities,, charity, rental, fuel, and telecom spends.
- Annual fee: AED 0
- Interest rate: 3.85% per month
- Minimum spending requirements: AED 0
- Maximum cashback limits: Unlimited cashback on all spend
- Redemption: Redeem your cashback points from Mashreq online banking once you hit a cashback balance of AED 100.
- Additional benefits: New users get an AED 500 welcome bonus if they spend up to AED 5,000 within the first 2 months of getting the card. Meanwhile, existing Mashreq credit cardholders get an AED 100 welcome bonus with the same spending requirement.
- Income eligibility: AED 5,000
- Shariah-compliance: ✅
2. Emirates Islamic Cashback Plus Credit Card
The Emirates Islamic Cashback Plus Credit Card gives you up to 10% cash back on groceries, dining, education, and telecom expenses.
- Cashback rates and spending categories: Up to 10% cash back on supermarket spends, education, dining, and telecom. Note that, all cashback plus points earned have a validity period of 2 years after which they expire.
- Annual fee: AED 299
- Profit rate: 3.69%
- Minimum spending requirements: The maximum cashback rate (10%) is subject to spending up to AED 3,000 each month
- Maximum cashback limits: AED 200 maximum cashback per month for all spending categories
- Redemption: Redeem your cashback points through Emirate Islamic Bank’s online banking or mobile app. Simply log in and tap on “Cards”. Next, select “Rewards”, click on “Redemption”, and submit your request.
- Additional benefits: Unlimited complimentary access to over 1000 airport lounges globally, two rounds of complimentary golf per month, and 1 complimentary valet parking service per month.
- Income eligibility: Not specified
- Shariah-compliance: ✅
3. FAB Cashback Islamic Credit Card
The FAB Cashback Credit Card gets you up to 5% cashback on select spending categories like groceries and dining out.
- Cashback rates and spending categories: 5% cashback on fashion shopping, dining out, and groceries. 3% cashback on international spends and 1% cashback on all other spending.
- Annual fee: AED 300
- Interest rate: Up to 3% per month flat rate on booking amount as agreed with the bank
- Minimum spending requirements: AED 0
- Maximum cashback limits: Cashback is capped at AED 200 each for dining out, groceries, and fashion shopping. Overall AED 1,000 cashback cap per month for all spending categories.
- Redemption: Redeem your cashback points instantly on the FAB mobile app. They will be processed in equivalent FAB Rewards.
- Additional benefits: Free airport lounge access globally
- Income eligibility: AED 5,000
- Shariah-compliance: ✅
4. Commercial Bank of Dubai Al Islami Super Saver Credit Card
The Commercial Bank of Dubai Super Saver Credit Card provides you with up to 10% cashback on everyday spends like bills, supermarkets, education, and more.
- Cashback rates and spending categories: Up to 10% cashback on bills, school, fuel, and supermarket and payment
- Annual fee: Free for the first year, AED 400 subsequently
- Interest rate: Up to 1.09% per month for balance transfer, up to 1.59% per month for cash on call, up to 1.80% per month for easy payment plan retail transactions, and up to 0.99% per month for easy payment plan retail balance. Also, 3.85% per month on retail purchases and cash advances.
- Minimum spending requirements: Not specified
- Maximum cashback limits: AED 600 per month
- Redemption process: Redeem your cashback on the CBD mobile app or online banking once you hit a minimum cashback balance of AED 50. This will then be directly credited to your Super Saver credit card account.
- Additional benefits: 50% off tickets at VOX, Reel, or Novo cinema per month, multi-trip travel insurance, purchase protection, and more.
- Income eligibility: AED 5,000
- Shariah-compliance: ✅
5. RAKBANK Titanium Credit Card
The Rakbank Titanium Credit Card comes with generous cashback on dining, supermarket, and entertainment purchases.
- Cashback rates and spending categories: Up to 5% cashback on dining and supermarkets and 50% cashback on entertainment spends.
- Annual fee: AED 0
- Interest rate: Depends on the outstanding balance to be paid and individual circumstances
- Minimum spending requirements: AED 2,000 per month
- Maximum cashback limits: AED 1.500
- Redemption process: Once your cashback points hit AED 100, you can call the bank’s 24/7 contact center or log in to its portal to redeem them. Your account will be credited within three working days.
- Additional benefits: Exclusive hotel discounts, great car rental savings, global airport lounge access, etc.
- Income eligibility: AED 8,000
- Shariah-compliance: ❌
6. HSBC Live+ Credit Card
The HSBC Cashback Credit Card provides you with cashback rewards on eligible purchases and everyday spending.
- Cashback rates and spending categories: 6% cashback on dining, 5% cashback on fuel, 2% cashback on groceries, education, and entertainment, and 0.5% cashback on other spends—per payment cycle.
- Annual fee: AED 299
- Interest rate: 44.28% APR
- Minimum spending requirements: AED 3,000 per month
- Maximum cashback limits: AED 200 per payment cycle
- Redemption process: Redeem your HSBC cashback points via the bank’s online banking portal or mobile app.
- Additional benefits: Travel rewards, cinema discounts, and many shopping, dining, and leisure offers.
- Income eligibility: AED 5,000
- Shariah-compliance: ❌
7. Dubai Islamic Bank Consumer Cashback Platinum Credit Card
The Dubai Islamic Bank Prime Credit Card guarantees you cashback of up to 4%, combining everyday convenience with tangible savings.
- Cashback rates and spending categories: Up to 4% cashback on supermarket, car servicing, phone bills, fuel spends, utility bills, and school fees
- Annual fee: AED 199
- Interest rate: Up to 3.69%
- Minimum spending requirements: Not specified
- Maximum cashback limits: Maximum cashback of AED 400 on supermarket, car servicing, & school fees, and AED 150 on phone bills, fuel spends, and utility bills with a maximum cashback of AED 1,000 per billing cycle
- Redemption process: Redeem Wala’a rewards from the Dubai Islamic Bank Consumer Cashback Platinum Credit Card via online banking. Go to the relationship summary tab, view your rewards, choose a redemption option, e.g. bill payment, and input the required OTP.
- Additional benefits: Travel and medical coverage, complimentary roadside assistance, and more.
- Income eligibility: AED 15,000
- Shariah-compliance: ✅
8. Standard Chartered Simply Cash Credit Card
The Standard Chartered Platinum Cashback Card lets you enjoy unlimited cashback on everyday spends locally and internationally.
- Cashback rates and spending categories: 1% cashback on domestic spends and 2% cashback on international spends.
- Annual fee: First year free, then AED 525 subsequently. The annual fee is waived with a minimum yearly spend of AED 9,000.
- Interest rate: Not specified
- Minimum spending requirements: Not specified
- Maximum cashback limits: AED 1,000 per month
- Redemption process: Call the bank and request redemption or log in to its banking portal online or via the mobile app.
- Additional benefits: Complimentary airport lounge access, 20% off Careem rides, Buy 1 Get 1 Free at Costa Coffee, and more.
- Income eligibility: AED 8,000
- Shariah-compliance: ❌
9. ADCB TouchPoints Platinum Credit Card
The ADCB TouchPoints Platinum Credit Card lets you earn points that can be redeemed for airline miles, shopping vouchers, and bill payments. The card’s redemption rate is 2500 TouchPoints to AED 10.
- Cashback rates and spending categories: 1 TouchPoint per AED spent on retail transactions and 0.4 TouchPoints per AED spent on domestic spending at supermarkets, auto dealers, insurance, and quick service restaurants. Also, 0.2 TouchPoints per AED spent on fuel, education, government services, real estate, telecommunication, charity, and transport: Lastly, 0.40 TouchPoints per AED spent on merchants in the United Kingdom and Europe.
- Annual fee: AED 600 but the first year is free
- Interest rate: 3.59% per month
- Minimum spending requirements: AED 5,000 per month
- Maximum cashback limits: AED 2,000 per month
- Redemption process: Redeem your TouchPoints instantly at thousands of UAE merchant locations, exchange them for Emirates Skywards Miles or Etihad Guest Miles, or use them for utility bill payments and Salik.
- Additional benefits: Buy one get one free at VOX Cinemas, 20% off Talabat orders, and bonus TouchPoints for spends of AED 10,000.
- Income eligibility: AED 8,000
- Shariah-compliance: ❌
10. Commercial Bank International Rewards Platinum Mastercard
The Commercial Bank International Rewards Platinum Mastercard gets you multiple cashback offers and additional benefits.
- Cashback rates and spending categories: 100% cashback on 4 cinema tickets monthly and up to AED 150 in movie cashback based on your monthly food, ticket, and beverage spend at the cinema.
- Annual fee: AED 0
- Interest rate: 3.45%
- Minimum spending requirements: AED 4,000
- Maximum cashback limits: Not specified
- Redemption process: Redeem at the CBI Rewards website
- Additional benefits: Airport lounge access, free movie tickets at any UAE cinema, free supplementary cards for family members, etc.
- Income eligibility: AED 15,000
- Shariah-compliance: ❌
Use Daleel, find the best cashback credit cards for you
Still wondering which cashback credit card is most suitable for your needs?
Narrow down the list based on your salary range, employment status, eligibility requirements, and Shariah concerns. Or, download the Daleel app to check out even more options and get matched with cashback credit cards that best fit your spending needs.
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