Many cashback credit cards on the market give excellent cashback opportunities when you purchase something. Since choosing among them can be challenging, this guide will show you some of the best cashback credit card in UAE.
Cashback credit cards let you earn rewards for the purchases you make. You can either earn cash back on your spending or receive a reward in the form of the product. When selecting the best cashback credit cards, we considered annual salary, rate of cashback, and additional features.
These credit cards offer different benefits and rewards, so if you can’t wait to find out which is the best credit card for cashback in UAE and go shopping immediately, please keep reading to find out more.
Compare the best cashback credit cards in UAE
You can easily choose the best cashback credit card in UAE by comparing the table below.
| Name | Minimum Salary | Key Feature |
|---|---|---|
| HSBC Cashback Credit Card | 15,000 | Get AED 100 worth of free airport ride |
| ADIB Cashback Visa Platinum Card | 10,000 | Grace period up to 55 days |
| Emirates Islamic Cashback Plus Credit Card | 12,000 | 10% cash back on every purchase |
| Mashreq Cashback Credit Card | 5,000 | 0% Easy Payment Plan |
| RAKBANK Titanium Credit Card | 8,000 | No annual fee ever |
| Emirates NBD LuLu 247 Mastercard Platinum Credit Card | 15,000 | 7% on Lulu Store in store |
| Standard Chartered Mastercard Platinum Credit Card | 32,500 | Complimentary access to over twenty local and international lounges |
| FAB Cashback Credit Card | 8,000 | Shop Smart option on the FAB Mobile App |
| Dubai Islamic Consumer Reward Card | 5,000 | Easy Transfer of balance and salary |
| AI Masraf Platinum Credit Card | 5000 | Get every month 1,00,000 points |
| Simplylife Cashback Credit Card | 5000 | 25% discount on all the restaurants in UAE |
| CBD Super Saver Credit Card | 8,000 | Free valet parking over 15 different locations |
12 best cashback credit card in UAE
1. HSBC Cashback Credit Card
The Hongkong and Shanghai Banking Corporation Limited (HSBC) has been offering world-class banking services with access to an attractive cashback program. HSBC bank has its cashback credit card in HSBC cashback credit card that provides exciting cashback offers on all your card purchases. They are regarded as among the best UAE cashback credit cards.
This credit card is free for the first year, and it remains free after that if you meet the minimum expense criteria. To apply for an HSBC credit card, your monthly salary must be AED 10,000. [1]HSBC cashback, “Minimum salary,https://www.hsbc.ae/credit-cards/products/visa-cashback/#:~:text=To%20apply%2C%20you%27ll%20need%20a%20minimum%20monthly%20salary%20of%20AED%2010%2C000″
Features of HSBC Cashback Credit Card
- Twelve complimentary visits to over 1000 airport lounges in a year.
- Get 5% cashback on supermarket and grocery expenses.
- Receive 1% cashback on all other credit card expenses anywhere around the world.
- Enjoy exclusive access to the buy 1 get one offer on movie tickets and various shopping offers across outlets in UAE.
- Up to AED 100 worth of free airport ride in a year.
2. ADIB Cashback Visa Platinum Card
The ADIB Visa is among the best cashback credit card in UAE. It offers many benefits, including cash back, roadside assistance, airport lounge access, and more.
You can immediately get this credit card if you have an Original copy of a valid Emirates ID, your passport, the last three months’ bank account statements, and a recent salary certificate from your job.[2]ADIB Cashback, “Required documents, https://www.adib.ae/en/personal/cards/cashback-cards/adib-cashback-visa-platinum-card”
The cardholder can also withdraw cash, enjoy a complimentary grace period, and get supplementary cards.
Features of ADIB Cashback Visa Platinum Card
- 1% Cashback at any time and anywhere.
- You can withdraw 100% amount of your credit limit.
- Get four free supplementary credit cards for your families and friends.
- Fifty-five days grace period to repay your outstanding balance.
- Free roadside assistance for up to 3 times a year.
3. Emirates Islamic Cashback Plus credit card
Emirates Islamic Cashback Plus is another best cashback card in UAE, where people can earn up to 10% cash back on every dollar they spend on their purchases.
The credit card has an annual fee of 367.50 per year, but you must have a minimum salary of AED 12,000. [3]Emirates Islamic bank, “Annual fee, https://www.emiratesislamic.ae/eng/soc/cards/#:~:text=3.49%25-,Annual%20Membership%20Fee%20(in%20AED),-367.50″
Features of Emirates Islamic Cashback Plus credit card
- Unlimited access to airport lounges in 1000 countries worldwide.
- Get two free complimentary rounds of golf any day within a week.
- Travel around the world with multi-trip travel insurance to protect from accidents.
- Get a built-in Noi card that will make it easy for RTA transportation payments.
- One complimentary valet parking service per month.
4. Mashreq Cashback Credit Card
Mashreq Cashback credit card is one of the best credit cards for cashback in UAE. It is a free-for-life credit card which means it has no annual fee.
If you shop or purchase using your card, you will get 1% cash back on all supermarket shopping. This will save you money on your next grocery trip.
Similarly, you can get 5% cashback if you spend on dining. You will also earn 0.33% cash back on education, charity, fuel, rental, utilities, and telecoms linked to the government. [4]Mashreq Bank, “Unlimited Cashback, https://www.mashreqbank.com/en/uae/personal/cards/credit-cards/cashback-credit-card/#:~:text=5%25%20cashback%20on,and%20Mashreq%20Mobile. “
Features of Mashreq Cashback Credit Card
- Get up to 5% cashback on supermarket shopping.
- Get a free welcome bonus of up to AED 500.
- No annual membership fee.
- Unlimited access to over 1000 airports worldwide.
- Get instant cash during a financial emergency.
6. RAKBANK Titanium Credit Card
You can get one of the best cashback credit cards in UAE from RAKBANK commercial bank. RAKBANK Titanium credit card offers many reward points for every purchase or spending.
You can also get benefits, such as dining discounts and purchase rewards, in stores across the globe. Similarly, you will get many benefits and cash in entertainment, flights, and car rental options.
However, to apply for a RAKBANK credit card, you should be a citizen, or you must reside in UAE and have a monthly salary of AED 25,000. [5] RAK Bank, “About titanium credit card, https://rakbank.ae/wps/portal/retail-banking/cards/personal/titanium-credit-card%22”
Features of RAKBANK Titanium Credit Card
- Withdraw up to 80% of the credit limit in your bank account.
- Get Supplementary cards for your family members.
- No interest on credit for up to 55 days and low interest after 55 days.
- Transfer money from your credit card to any RAKBANK branch.
- 5% Cashback on supermarket purchases and 50% on worldwide cinema expenses.
6. Emirates NBD LuLu 247 Mastercard Platinum Credit Card
Emirates NBD is one of the best credit cards in the UAE. With this card, you can earn LuLu points. You can earn up to 7% points on online and in-store purchases and 4% on fuel. These points can be converted into rewards later on.
The Emirates NBD LuLu credit card offers a range of benefits, including free access to international airport lounges in several different countries.
Similarly, you can quickly redeem LuLu points at over 70 LuLu stores. One LuLu point equals one AED. Simply insert the card into the terminal and choose the option LuLu points. Then Select options to redeem points. [6] Emirates NBD, “Mastercard Platinum Credit Card, https://www.emiratesnbd.com/en/cards/credit-cards/lulu-mastercard-platinum-credit-card/#:~:text=Earn%20LuLu%20Points,the%20desired%20amount. “
Features of Emirates NBD LuLu 247 Mastercard Platinum Credit Card
- Cashback of up to 7% on every purchase or spending.
- Get an accessible valet parking facility four times a month all around UAE.
- Purchase protection feature up to AED 2000-5000 against accidents, thefts, or fire for six months.
- Easy payment plan with 0% interest rate.
- Buy 1, Get 1 free offer in Vox Cinemas.
Related info: Check out some of the best credit cards with the help of our Dbd guide – best credit card in UAE
7. Standard Chartered Mastercard Platinum Credit Card
Standard Chartered Platinum credit card provides much cashback when shopping, dining, and traveling. However, you must have a minimum monthly income of over AED 8,000 to qualify for this particular card.
You can receive 2% cashback on international purchases or currency exchange transactions and 1% cashback on all domestic purchases. Similarly, get eight complimentary visits yearly to 1,000+ airport lounges across 300 cities. [7]Standard Chartered, “Cashback Platinum Credit Card, … Continue reading
Features of Standard Chartered Mastercard Platinum Credit Card
- Access over 1000+ airport lounges in UAE and worldwide with eight free visits annually.
- With credit shield insurance, you will be taken care of financially in an emergency.
- Extended warranty benefits up to six months if the card is lost or broken.
- Get 1% cashback on all domestic and 2% on all international spending.
- Get VIP guest status over 900 international properties.
8. FAB Cashback Credit Card
FAB Cashback is one of the first Abu Dhabi bank credit cards and is among the best cashback credit card in UAE. If your minimum monthly salary is AED 5,000, you will easily get access to a credit card. [8]FAB cashback, “Monthly salary, https://www.bankfab.com/en-ae/personal/cards/cashback-credit-card#:~:text=terms%20and%20conditions.-,Min%20Monthly%20Salary,-AED%205%2C000″
You can get 5 to 10% cashback from the card on every purchase. Additionally, you can get 5% cashback on fuel, groceries, and utilities.
You can also get cashback of up to 2% on non-AED expenses and 5 FAB rewards per 1 AED. Moreover, you also get travel benefits like airport lounge access to over ten airports and luxury serviced hotels and apartments.
Features of FAB Cashback Credit Card
- Get 5% cash back on every supermarket purchase online or offline.
- Get movie tickets for only 15 AED on weekdays and 20 AED on weekends.
- Get a balance transfer facility from one cardholder to another.
- Get a cashback bonus of AED 300 after making just one retail purchase in the first 30 days.
- Buy one get one free offer from over 90 countries and over 900 offers.
9. Dubai Islamic Consumer Reward Card
The bank’s first credit card was the Dubai Islamic Consumer reward card. As it offers many fantastic cashback offers and advantages, this credit card is valuable to its customers.
To be eligible for this cashback credit card, you must have a minimum salary of AED 5000. You will also get additional benefits on dining and telecom services, but you have to pay an annual fee of AED 150. [9]Dubai Islamic bank, “Minimum salary, https://www.dib.ae/personal/cards/consumer-reward-card#:~:text=AED%20150,AED%205%2C000″
Features of Dubai Islamic Consumer Reward Card
- Get up to 3% cash back on every purchase.
- Salary transfer feature despite outstanding balance.
- Get 1% cashback on fuel and 3% on shopping and dining in the UAE and worldwide.
- Chip & Pin technology helps in purchase protection.
- Get up to 3 roadside assistance benefits for one year.
10. AI Masraf Platinum Credit Card
Al Masraf Credit Cards offer many features and benefits that make your shopping experience more rewarding. This is why they are named among the best cashback credit card in UAE.
You will get up to 3000 reward points as a welcome bonus. You are only eligible for an Al Masraf credit card if you are above 21 years old and either a UAE resident or a UAE national.[10]Al Masraf, “Eligibility, https://almasraf.ae/personal-banking/personal-card/platinum#:~:text=to%20get%20started%3F-,Eligibility,-UAE%20National%20or”
Features of AI Masraf Platinum Credit Card
- No annual fee for the first year.
- Get assess to selected airport lounges in UAE and worldwide.
- Get tons of buy 2 get one free offer from varieties of merchants.
- Get 10% discounts on sites such as booking.com.
- Get benefits from more than 100,000 U.S. retailers, including Apple, Amazon, and Ralph Lauren.
11. Simplylife Cashback Credit Card
The Simplylife Cashback Credit Card is a popular choice for people who want to earn rewards and cashback. You do not need to pay any annual fee as this free credit card.
This cashback credit card has excellent benefits on services like movie tickets, Marhaba and Diamond lounge access, and a personal payment plan. You can receive 1% cash back on all your purchases, but you must make a monthly purchase of at least AED 1,000. [11] Simplylife, “Credit card benefits, https://www.simplylife.ae/cards/cash-back-credit-card.aspx#:~:text=Fees%20%26%20Charges-,Benefits,-Expand%20all”
You need a copy of your passport, labor card, photo ID card, EIDA application form, Emirates ID card, salary certificate, and three-month bank statement to apply for this card.
Features of Simplylife Cashback Credit Card
- By spending over AED 1500, you will get free movie tickets.
- Marhaba and Diamond lounge access in Dubai and Abu Dhabi airports.
- Receive 1% cashback on all your purchases over AED 1000.
- You can enjoy up to a 25% discount at over 500 restaurants all over the UAE.
- Transfer balance from other credit cards to Simplylife credit card for minimum interest rate.
- The card control feature helps you to control your unnecessary spending.
12. CBD Super Saver Credit Card
CBD Super Saver Credit Card is a credit card provided by Commercial Bank of Dubai. If you are a new customer, you can get a free annual membership for the first year. But you will have to pay from the start of the second year.
The minimum salary requirement is AED 8000 per month. [12]CBD, “Minimum salary, https://www.cbd.ae/personal/borrow/credit-cards/super-saver#:~:text=minimum%20salary%20of%20AED%208%2C000″
They provide benefits like movie discounts, valet parking, airport lounge access, dining discounts, and many more.
Features of CBD Super Saver Credit Card
- Earn a maximum of 10% cash back on daily expenses such as bills, education, supermarket, and transport.
- Get 8 free visits yearly to more than 1,000 airport lounges globally.
- Enjoy free valet parking at more than 15 locations every month.
- Get a 15% discount at Emaar entertainment like Ekart, Kidzania, VR theme Park, and Dig It Dubai.
- Get Multi-trip travel insurance for a period of 90 days.
Advantages and disadvantages of cashback credit cards in UAE
Cashback credit cards can be a great way to earn rewards on your everyday spending. You can get your money back for the things you buy. But there are also cons if you misuse these credit cards, like ending up in debt.
Please look at some advantages and disadvantages of a cashback credit card in Dubai.
Advantages
- You will get easy cash rewards on cashback credit cards.
- A cashback credit card will be helpful for frequent travelers and shoppers.
- You can receive a card even if your minimum spend is AED 0.
- You can still get cashback benefits despite the theft or cancellation of the card.
- The charges on credit card payments can be paid via small installments.
Disadvantages
- Most of the cards increase the interest rate very high.
- Cashback credit cards will hamper your spending with useless expenses.
- Some cards have an earnings limit where you can’t earn large sums.
Related Info
- Check out some of the best credit cards with the help of our Dbd guide – Best Credit Card in UAE with top features.
- Check our Dbd guide on – Best Credit Card for Expats in UAE in 2022 if you are a foreigner residing in UAE.
- Similarly, you can check the guide on the best credit card for low income in UAE if you are looking for credit cards with low annual fees and salary requirements.
FAQs
What is the best cashback credit card in UAE in 2024?
Simplylife Cashback Credit Card is the best cashback credit card in UAE this year. This card offers cardholders many rewards, cashback on shopping, dining, traveling, and access to several airports worldwide.
How to choose the best cashback card in UAE?
The key to choosing the best cashback card in UAE is knowing what you need and then comparing that with each feature. You can also look at other users’ reviews before making your decision. The cards that give you the most overall value will be your best choice.
Which is the best cashback credit card for all purchases in UAE?
The best cashback credit card for all purchases in UAE is ADIB Cashback Visa Platinum card. You can make the most of the rewards and benefits they provide, which have some special discounts and earnings, and you can redeem your cashback money straight into your app.
Can you get cashback in Dubai?
Many credit cards, such as ADIB Cashback credit card, CBD Super Saver Credit Card, Simlylife credit card, etc., provide cashback in Dubai.
Which is the best cashback credit card in Dubai?
RAKBANK Titanium credit card is the best cashback card in Dubai because it offers cashback on all your spending and provides a 0% interest rate for three months. Many people can afford this card without worrying about unnecessary expenses due to its cashback features.
Final thoughts
There are plenty of cashback credit cards to choose from. Hence it is extremely tough to acknowledge which is the best cashback credit card in UAE.
There is no doubt these cards differ from each other, but one thing is for sure you will receive some decent cashback when you purchase necessary items around UAE.
Similarly, it is essential to be cautious about using these credit cards excessively. While they offer some saving opportunities, you can get into some massive debt if you overuse them.
We hope you have chosen the best credit card for cashback in UAE with the help of the above guide. If you have, do share it with your friends who might need help with similar topics.
- 107shares
- Facebook Messenger
About the author
Khalid Jama
Khalid Jama is a financial advisor based in Dubai. He has a decade of experience in the financial sector, specializing in asset portfolio management, investor relations, and taxation. His expertise in corporate finance and global investments have made him one of the most sought-after advisors in the Emirates. With knowledge, Khalid has helped his clients create long-term wealth through careful analysis and strategic planning.
