MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 300
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 300
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
AED 800 cashback bonus when you spend AED 5000 or above in the first 60 days. Get an AED 500 joining bonus when you spend AED 5,000 or more, or an AED 800 bonus when you spend AED 8,000 or more, within the first 60 days of card issuance.
Key Features
Reward Features
Supermarket Spending (Including Online)
Cashback :5%
FAB Rewards : 17 FAB Rewards per AED 1 spent
Fashion
Cashback : 5%
FAB Rewards : 17 FAB Rewards per AED 1 spent
Dining
Cashback : 5%
FAB Rewards :17 FAB Rewards per AED 1 spent
All Other Spending (Excluding Select Categories)
Cashback : 1%
FAB Rewards :3.5 FAB Rewards per AED 1 spent
Select Categories
Cashback : 0.15%
FAB Rewards : 0.5 FAB Rewards per AED 1 spent
Non-AED Spending
Cashback : 3%
FAB Rewards :10 FAB Rewards per AED 1 spent
Cashback is capped at AED 200 each on dining out, fashion shopping and grocery shopping.
Overall cap of AED 1,000 per month across all categories.
Cashback will be processed in equivalent FAB Rewards, redeemable instantly on the FAB Mobile app.
Things To Be Aware Of
on First Abu Dhabi Bank (FAB) site
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.90%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
Key Features
Reward Features
Unlimited, Automatic Cashback on all Spend
3% cashback on all non-AED spend
2% cashback on all grocery/supermarket spend
1% on all other spend
No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded.
Things To Be Aware Of
on Citibank site
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
Get up to AED 800 cashback. Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.
The campaign is open to all new and existing HSBC customers who apply and receive approval for a new primary credit card and who do not have a primary credit card at the time of application and had not had one during the 6 months prior to applying.
Key Features
Reward Features
Earn Cashback on ALL spends:
There is a minimum spend of AED 3000 in a month which needs to be met to avail the cashback on fuel, supermarket and education categories. Incase the spend is not met one will earn 0.5% cashback on the transactions.
on HSBC site
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / AED 131.25
Joining Offers
Limited Time Offer - Welcome bonus of AED 500 as cashback points!*
*To be eligible for the bonus cashback points a minimum retail spend of AED 15,000 in 60 days of card open date is required. The cashback points will be credited to your EI Rewards account within 90 days of campaign end date i.e. latest by 31 December 2024.
Key Features
Reward Features
Lifestyle
| Merchant Category | Cashback % | Monthly Cap (in AED) |
|---|---|---|
| Supermarket (Domestic) | 4% | 200 |
| Dining | 4% | 200 |
| Fuel (Domestic) | 8% | 100 |
| Education | 4% | 200 |
| Telecom, Utilities, Real Estate & Govt. Spends | 0.5% | No Cap |
| Other spends | 1% | No Cap |
Travel
| Merchant Category | Cashback % | Monthly Cap (in AED) |
|---|---|---|
| Airlines | 4% | 200 |
| Hotels | 4% | 200 |
| Dining | 4% | 200 |
| Telecom, Utilities, Real Estate & Govt. Spends | 0.5% | No Cap |
| Other spends | 1% | No Cap |
On the Emirates Islamic Switch Cashback Credit Card, the Cashback calculated for the month are for all based on transactions posted in the calendar month based on the category chosen by the customer, Lifestyle or Travel. This means the Cashback earned will only be accrued for transactions billed within the calendar month subject to a minimum spend of AED 2,500.To redeem your accrued cashback as a statement credit, you must have a minimum of AED 300 worth of Cashback in your Cashback wallet.
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.49
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 12,000
RATE
3.49
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / AED 104
Joining Offers
Exclusive current offer: No Annual Fee
Key Features
Reward Features
Earn Plus Points on spends
5% rewards on grocery, electronics, utilities, education and fuel
0.5% rewards on other spends including travel, dining, hotels and online
Plus Points earning cap per statement is applicable.
Plus Points loyalty program rewards you for your everyday spends using your Emirates NBD Credit Card. You are automatically enrolled to the program when you activate your credit card.
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / AED 210
Joining Offers
Joining bonus offer of AED 500 on Cashback card, AED 500 on Platinum Elite card and AED 2,000 on Solitaire card Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.
Cashback that will be credited subject to customer spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, customer has to be spend AED 4,500 by 31st August to get the Joining Bonus.
Key Features
Reward Features
Unlimited Cashback on all spend
The cashback will be calculated on your statement date. For example: For customers with a statement date (billing cycle) on the 23rd - Spends posted between 23rd and 22nd of every month will be considered.
The cashback can be redeemed on achievement of a minimum of AED 100/- as cashback balance.
To redeem your cashback: - Visit Mashreq Online Banking on mashreq.com for online redemption, or - Call the Direct Banking Center at 04-4244444 and place a request for the same. The cashback will be credited within a maximum of 3 working days into the Cashback Credit Card account.
the cashback earned has a maximum validity of 18 months from the date of earning. If the cashback is not redeemed within this period, it will be expired.
20% cashback for the first 6 months at Zomato, Netflix, Careem, Noon, UberEats, iTunes, Uber, Du, Talabat, Amazon Prime & Etisalat
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 315
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 315
Non AED Transaction Fee
3.64%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
AED 800 cashback bonus when you spend AED 5000 or above in the first 60 days. Get an AED 500 joining bonus when you spend AED 5,000 or more, or an AED 800 bonus when you spend AED 8,000 or more, within the first 60 days of card issuance.
Key Features
Reward Features
Cashback is capped at AED 200 per month across food, fuel & grocery shopping for Expats with an overall cap of AED 1,000.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.69
ANNUAL FEE
AED 383
MINIMUM SALARY
AED 8,000
RATE
3.69
ANNUAL FEE
AED 383
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / or AED 105
Joining Offers
Welcome bonus of AED 365 is subject to a minimum spend of AED 5,000 within the first 45 days. Welcome bonus will be credited as cashback within 90 days of card issuance, upon meeting the spend eligibility criteria.
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.69%
ANNUAL FEE
AED 400
MINIMUM SALARY
AED 8,000
RATE
3.69%
ANNUAL FEE
AED 400
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
No Annual Fee for the first year on Primary Card. Annual fee applicable only from second year onwards
Key Features
Reward Features
Earn up to 10% Cashback on your monthly spends with CBD's Super Saver Cashback Credit Card with the maximum of up to AED 600 per month
• Up to 10% Cashback on Supermarket spends
• Up to 10% Cashback on Education (School, College, University Fees)
• Up to 10% Cashback on Utility bill payments
• Up to 10% Cashback on Transport (Fuel)
Track your Cashback in realtime through CBD App and redeem it instantly as Cashback
Earn up to 10% CASHBACK on the following everyday retail spend categories, capped at AED 200 per category, per month. A minimum monthly total spend of AED 3,000 across all categories is required to start earning cashback.
Earn up to 1% Cashback on every AED 2 on all other spends, with no caps.
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 30,000
RATE
3.69
ANNUAL FEE
AED 1050
MINIMUM SALARY
AED 30,000
RATE
3.69
ANNUAL FEE
AED 1,050
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / or AED 105
Joining Offers
Get up to AED 800 cashback
Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction. The campaign is open to all new and existing HSBC customers who apply and receive approval for a new primary credit card and who do not have a primary credit card at the time of application and had not had one during the 6 months prior to applying.
Eligibility criteria and Terms and conditions apply. Offer valid from 1 May to 31st December 2024 inclusive.
Key Features
Reward Features
on HSBC site
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Annual Fees for primary credit cardholders will be waived if retail spends of the preceding 12 months exceeds AED 9,000 or equivalent.
Key Features
Reward Features
2% cashback on international spends (in non-AED currency) • 2% cashback on Airline* spends • 1% cashback** on all domestic spends (in AED currency).
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / or AED 105
Joining Offers
Double cashback for first two months till 31st March 2024
Key Features
Reward Features
There are three plans available: One, One Plus, and One VIP.
For the One plan, the regular monthly cashback is AED 135, with a double cashback promotion of AED 270. The plan is free for the first 36 months, and from the 37th month onwards, a monthly fee of AED 39 is waived if a minimum total spend of AED 8,000 is met. The minimum total monthly spend required to avail cashback is AED 5,000, and transactions on selected brands like Airbnb, Booking.com, and Uber are eligible for cashback.
For the One Plus plan, the regular monthly cashback is AED 250, with a double cashback promotion of AED 500. Similar to the One plan, it's free for the first 36 months, and from the 37th month onwards, a monthly fee of AED 69 is waived if a minimum total spend of AED 15,000 is met. The minimum total monthly spend required to avail cashback is AED 8,000, and transactions on selected brands like Netflix, Spotify, and Starbucks are eligible for cashback.
For the One VIP plan, the regular monthly cashback is AED 500, with a double cashback promotion of AED 1,000. This plan is free with a minimum spend of AED 22,000, otherwise, a monthly fee of AED 99 applies if the spend criteria are not met. The minimum total monthly spend required to avail cashback is AED 15,000, and transactions on selected brands like Fitness First and Class Pass are eligible for cashback.
*Starter Plan is free for life with no cashback benefit.
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.25
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99
Cash Advance Fee
3 % AED 99
Key Features
Reward Features
Choose the reward points you want to earn (Cashback, Skywards Miles) and the things you want to earn bonus rewards for (groceries, food deliveries, online shopping, travel or something else?).
The Liv. Cashback and Cashback plus credit card is tailored for individuals with dynamic, on-the-go lifestyles, offering the ability to earn Skywards Miles with every purchase. Cardholders can choose four spending categories—such as international spending, travel, online shopping, dining, and more—where they will earn "booster" Skywards Miles in addition to base Miles.
The Miles accumulation structure is tiered based on monthly spending:
This structure allows cardholders to maximize their Skywards Miles by focusing their spending in categories that matter most to them, particularly when they exceed certain spending thresholds.
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.90%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
No Annual fee
Key Features
Reward Features
Earn Cashback:
Dubai First Cashback Card offers unlimited cashback with instant earning & redemption through the Dubai First Mobile app.
The Dubai First Cashback Card offers unlimited cashback as well as instant earning and redemption through the Dubai First Mobile App.
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 209
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 209
Non AED Transaction Fee
2.26%
Cash Advance Fee
- / -
Key Features
Reward Features
Earn Cashback
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 157
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 157
Non AED Transaction Fee
2.26%
Cash Advance Fee
Key Features
Reward Features
Earn Cashback:
Maximum monthly cashback is AED 1,000 per billing cycle. Cashback is only on spends in UAE.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 350
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 350
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 199
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Earn Cashback on your Emirates Islamic Cashback Card
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 299
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 299
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Earn cashback on your Emirates Islamic Cashback Plus Credit Card
Cashback on Supermarket, Education, Dining & telecom for total monthly spend level:
Maximum Cash Back Per Month - AED 200 for above categories.
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.75%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.75%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
You can benefit from the offers above after a minimum spend of AED 2,500 on your du Platinum Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
You can benefit from the offers above after a minimum spend of AED 1,250 on your du Titanium Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.75%
ANNUAL FEE
AED 600
MINIMUM SALARY
AED 30,000
RATE
3.75%
ANNUAL FEE
AED 600
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / AED 158
Joining Offers
Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.
Key Features
Reward Features
Earn up to 5 FAB Rewards for every AED 1 you spend on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.
Earn up to 4 FAB Rewards per AED 1 spent on your card
Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.85%
Cash Advance Fee
3.00 % / AED 200
Key Features
Reward Features
Earn up to 50% Cashback and an instant AED 400 on each successful referral!
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 1000
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 1,000
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
1% flat Cashback: anywhere – any time
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.25
ANNUAL FEE
AED 700
MINIMUM SALARY
AED 10,000
RATE
3.25
ANNUAL FEE
AED 700
Non AED Transaction Fee
1.99
Cash Advance Fee
3
Key Features
Reward Features
Choose the reward points you want to earn (Cashback, Skywards Miles) and the things you want to earn bonus rewards for (groceries, food deliveries, online shopping, travel or something else?).
The Liv. Cashback and Cashback plus credit cards are tailored for individuals with dynamic, on-the-go lifestyles, offering the ability to earn Skywards Miles with every purchase. Cardholders can choose four spending categories—such as international spending, travel, online shopping, dining, and more where they will earn "booster" Skywards Miles in addition to base Miles.
The Miles accumulation structure is tiered based on monthly spending:
This structure allows cardholders to maximize their Skywards Miles by focusing their spending in categories that matter most to them, particularly when they exceed certain spending thresholds.
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 314
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Key Features
Reward Features
Earn cashback subject to minimum spend of AED 2,000 per month:
Things To Be Aware Of
MINIMUM SALARY
AED 7,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 7,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Key Features
Reward Features
Earn Cashback (subject to minimum overall spend of AED 2,000 per month) :
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 420
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 420
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Joining Offers
10% cashback at Carrefour and 5% cashback everywhere else for the first 60 days. Get AED 400 cashback as introductory offer.
Key Features
Reward Features
Earn Cashback (subject to minimum overall spend of AED 2,000 per month):
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback
All spends under the category of Bill Payments (Telecommunication & utility), Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.45 % / 2%
Key Features
Reward Features
Enjoy 1% Cashback* on all domestic and international retail, internet, cash transactions
Note: Maximum Cashback is AED 1,000 per month.
All spends under the category of Bill Payments (Telecommunication & utility), Government services, Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback on all spends
If your Cashback on Supermarket, Dining and Cinemas exceed the monthly maximum Cashback cap for these categories, then the excess spend amount in these categories will earn you Cashback at standard Cashback rates.
Monthly Spend Tier & Cashback on all other spends:
Standard Cashback*
In addition to the above you will earn up to 2% Cashback on your Domestic & International Retail Purchase Transactions, Internet Transactions and International Cash Advances
Max cashback payable across all categories = 1,500 p.m
*Effective April 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Health & Beauty, Club Membership, Computer Services, Automobiles & Vehicles and Insurance Services will earn 0.25% cashback for every AED 1 spent.
*Effective May 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.25% cashback for every AED 1 spent.
The minimum threshold to redeem cashback for the Titanium card is AED 500.
Transactions made through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs, ATM’s, Branches or any other RAKBANK payment channels will not be eligible for any cashback/rewards.
Things To Be Aware Of
MINIMUM SALARY
AED 20,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 20,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback on all spends
Monthly spend tier AED 15,000 to AED 19,999 earn cashback on:
Travel - 5% (max AED 300)
Supermarkets - 5% (max AED 200)
For monthly spend above AED 20,000 earn cashback on:
Travel - 10% (max AED 600)
Supermarkets - 10% (max AED 400)
Monthly Spend Tier & Cashback earned:
Up to AED 14,999 - 3% (international), 1% (domestic)
AED 14,999 to 29,999 - 4% (international), 2% (domestic)
Above AED 30,000 - 5% (international), 3% (domestic)
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Key Features
Reward Features
Earn Cashback
Receive 1.5% cash back on all purchases. Monthly purchases of at least AED 1,000 required
Maximum monthly cash back is AED 1,000
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn Cashback:
Conditions: You need to spend at least AED 500 per month to earn cashback. Maximum cashback amount is AED 4,800 per year.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 262
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 262
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Cashback
3% cashback on all your card transactions up to AED 3,600 per year
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn Rewards
MINIMUM SALARY
AED 18,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 18,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn Cashback
Earn 1.5% cashback on your total spend
MINIMUM SALARY
AED 10,000
RATE
2.99%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 10,000
RATE
2.99%
ANNUAL FEE
AED 750
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.15% / Min 105
Key Features
Reward Features
Earn UAB Cashback:
Things To Be Aware Of
MINIMUM SALARY
AED 40,000
RATE
2.79
ANNUAL FEE
AED 1,500
MINIMUM SALARY
AED 40,000
RATE
2.79
ANNUAL FEE
AED 1
Non AED Transaction Fee
3.15%
Cash Advance Fee
3.15 % / or AED 105
Key Features
Reward Features
Indulge in exclusive experiences with unlimited cashback when you use your UAB World Mastercard Credit Card. Maximise your cashback by shopping across categories and brands at all local and international retail chains.
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 5000
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 5,000
Non AED Transaction Fee
3.15
Cash Advance Fee
3.15% / Min 105
Key Features
Reward Features
Earn Cashback
There are no Monthly cap
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
New credit card customers enjoy 0% interest on Cash on Call 6- and 12-month plans within 30 days of card issuance. Apply instantly through the CBD Mobile app.
Offer valid until 31 March 2024. One time processing fee of 1.99% and 4% respectively, applies.
Key Features
Reward Features
Earn Reward Points
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Apply for a Platinum credit card and get it free along with a voucher worth AED 300 to spend on Noon.com.
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
ANNUAL FEE
AED 0
Non AED Transaction Fee
0
Cash Advance Fee
0
Joining Offers
Key Features
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 420
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 420
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.15 % / Min 103.95
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
1.99%
ANNUAL FEE
AED 1575
MINIMUM SALARY
AED 30,000
RATE
1.99%
ANNUAL FEE
AED 1,575
Non AED Transaction Fee
3.25%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 208.95
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 209
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Key Features
Reward Features
Earn Plus Points rewards:
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 400
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 400
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15% /Min 103.95
Key Features
Reward Features
Earn Plus Points rewards on all domestic and international spends:
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 250
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 250
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Welcome offer of 500 LuLu Points and 0% interest on balance transfers with no processing fees
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
0% balance transfer with no processing fees.
Key Features
Reward Features
Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 263
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 263
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Activate your Card and you will recieve a Manchester United Home Jersey and Complimentary Manchester United 'RED Box'.
Key Features
Reward Features
Earn RED Points Rewards
Maximum Red Points for sports good stores and dining outlets in one billing cycle is 50,000 Red points. Red Points can be redeemed for gift vouchers, cash back.
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 735
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 735
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 400
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 400
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15% /Min 103.95
Key Features
Reward Features
Earn Plus Points rewards on all domestic and international spends:
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.69
ANNUAL FEE
AED 383
MINIMUM SALARY
AED 8,000
RATE
3.69
ANNUAL FEE
AED 383
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / or AED 105
Joining Offers
Welcome bonus of AED 365 is subject to a minimum spend of AED 5,000 within the first 45 days. Welcome bonus will be credited as cashback within 90 days of card issuance, upon meeting the spend eligibility criteria.
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / AED 210
Joining Offers
Joining bonus offer of AED 500 on Cashback card, AED 500 on Platinum Elite card and AED 2,000 on Solitaire card Eg: if a card is setup in June, AED 4,500 needs to be spent by 31st August to get the Joining Bonus.
Cashback that will be credited subject to customer spending AED 4,500 in Acquisition Month + 2 months timelines. Eg: if a card is setup in June, customer has to be spend AED 4,500 by 31st August to get the Joining Bonus.
Key Features
Reward Features
Unlimited Cashback on all spend
The cashback will be calculated on your statement date. For example: For customers with a statement date (billing cycle) on the 23rd - Spends posted between 23rd and 22nd of every month will be considered.
The cashback can be redeemed on achievement of a minimum of AED 100/- as cashback balance.
To redeem your cashback: - Visit Mashreq Online Banking on mashreq.com for online redemption, or - Call the Direct Banking Center at 04-4244444 and place a request for the same. The cashback will be credited within a maximum of 3 working days into the Cashback Credit Card account.
the cashback earned has a maximum validity of 18 months from the date of earning. If the cashback is not redeemed within this period, it will be expired.
20% cashback for the first 6 months at Zomato, Netflix, Careem, Noon, UberEats, iTunes, Uber, Du, Talabat, Amazon Prime & Etisalat
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 420
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 420
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Joining Offers
10% cashback at Carrefour and 5% cashback everywhere else for the first 60 days. Get AED 400 cashback as introductory offer.
Key Features
Reward Features
Earn Cashback (subject to minimum overall spend of AED 2,000 per month):
Things To Be Aware Of
MINIMUM SALARY
AED 7,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 7,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Key Features
Reward Features
Earn Cashback (subject to minimum overall spend of AED 2,000 per month) :
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 314
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.00 % / Min 90
Key Features
Reward Features
Earn cashback subject to minimum spend of AED 2,000 per month:
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 787
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 787
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / Min 210
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.79%
Cash Advance Fee
3.15 % / Min 210
Key Features
Reward Features
Earn Cashback
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.25
ANNUAL FEE
AED 700
MINIMUM SALARY
AED 10,000
RATE
3.25
ANNUAL FEE
AED 700
Non AED Transaction Fee
1.99
Cash Advance Fee
3
Key Features
Reward Features
Choose the reward points you want to earn (Cashback, Skywards Miles) and the things you want to earn bonus rewards for (groceries, food deliveries, online shopping, travel or something else?).
The Liv. Cashback and Cashback plus credit cards are tailored for individuals with dynamic, on-the-go lifestyles, offering the ability to earn Skywards Miles with every purchase. Cardholders can choose four spending categories—such as international spending, travel, online shopping, dining, and more where they will earn "booster" Skywards Miles in addition to base Miles.
The Miles accumulation structure is tiered based on monthly spending:
This structure allows cardholders to maximize their Skywards Miles by focusing their spending in categories that matter most to them, particularly when they exceed certain spending thresholds.
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.50%
Cash Advance Fee
3.00 % / min 100
Key Features
Reward Features
Earn Cashback
Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations
MINIMUM SALARY
AED 5,000
RATE
3.25
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99
Cash Advance Fee
3 % AED 99
Key Features
Reward Features
Choose the reward points you want to earn (Cashback, Skywards Miles) and the things you want to earn bonus rewards for (groceries, food deliveries, online shopping, travel or something else?).
The Liv. Cashback and Cashback plus credit card is tailored for individuals with dynamic, on-the-go lifestyles, offering the ability to earn Skywards Miles with every purchase. Cardholders can choose four spending categories—such as international spending, travel, online shopping, dining, and more—where they will earn "booster" Skywards Miles in addition to base Miles.
The Miles accumulation structure is tiered based on monthly spending:
This structure allows cardholders to maximize their Skywards Miles by focusing their spending in categories that matter most to them, particularly when they exceed certain spending thresholds.
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
Get up to AED 800 cashback. Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction.
The campaign is open to all new and existing HSBC customers who apply and receive approval for a new primary credit card and who do not have a primary credit card at the time of application and had not had one during the 6 months prior to applying.
Key Features
Reward Features
Earn Cashback on ALL spends:
There is a minimum spend of AED 3000 in a month which needs to be met to avail the cashback on fuel, supermarket and education categories. Incase the spend is not met one will earn 0.5% cashback on the transactions.
on HSBC site
MINIMUM SALARY
AED 30,000
RATE
3.69
ANNUAL FEE
AED 1050
MINIMUM SALARY
AED 30,000
RATE
3.69
ANNUAL FEE
AED 1,050
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / or AED 105
Joining Offers
Get up to AED 800 cashback
Enjoy AED 600 when you apply for selected credit cards, plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for one transaction. The campaign is open to all new and existing HSBC customers who apply and receive approval for a new primary credit card and who do not have a primary credit card at the time of application and had not had one during the 6 months prior to applying.
Eligibility criteria and Terms and conditions apply. Offer valid from 1 May to 31st December 2024 inclusive.
Key Features
Reward Features
on HSBC site
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.85%
Cash Advance Fee
3.00 % / AED 200
Key Features
Reward Features
Earn up to 50% Cashback and an instant AED 400 on each successful referral!
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.75%
ANNUAL FEE
AED 600
MINIMUM SALARY
AED 30,000
RATE
3.75%
ANNUAL FEE
AED 600
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / AED 158
Joining Offers
Get a FAB Rewards bonus equivalent to your first year’s annual card fee when you activate and use your card within 30 days of card issuance.
Key Features
Reward Features
Earn up to 5 FAB Rewards for every AED 1 you spend on gaming including spending on PlayStation, Nintendo, Xbox, Steam, Twitch and more.
Earn up to 4 FAB Rewards per AED 1 spent on your card
Enjoy instant redemption at your fingertips and easily choose from an extensive selection of Rewards such as shopping, cashback, paying your utility bills, dining out or booking your next holiday
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
ANNUAL FEE
AED 0
Non AED Transaction Fee
0
Cash Advance Fee
0
Joining Offers
Key Features
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.50%
Cash Advance Fee
3.00 % / min 100
Key Features
Reward Features
Earn Cashback
Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 30,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.50%
Cash Advance Fee
3.00 % / min 100
Key Features
Reward Features
Earn Cashback
Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.99%
ANNUAL FEE
AED 399
MINIMUM SALARY
AED 8,000
RATE
3.99%
ANNUAL FEE
AED 399
Non AED Transaction Fee
2.61
Cash Advance Fee
3.15 % AED 157.5
Key Features
Reward Features
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn excellent Cashback rates on Standard Chartered Platinum X Credit Card:
Supermakets spends, utility spends and education:
Upto 10% on online, foreign currency and mobile wallets.
Cashback points are valid for 12 months.
Value of a point is 1 AED
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 5000
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 5,000
Non AED Transaction Fee
3.15
Cash Advance Fee
3.15% / Min 105
Key Features
Reward Features
Earn Cashback
There are no Monthly cap
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
2.99%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 10,000
RATE
2.99%
ANNUAL FEE
AED 750
Non AED Transaction Fee
3.00%
Cash Advance Fee
3.15% / Min 105
Key Features
Reward Features
Earn UAB Cashback:
Things To Be Aware Of
MINIMUM SALARY
AED 18,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 18,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn Cashback
Earn 1.5% cashback on your total spend
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn Rewards
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 262
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 262
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Cashback
3% cashback on all your card transactions up to AED 3,600 per year
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.19%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Earn Cashback:
Conditions: You need to spend at least AED 500 per month to earn cashback. Maximum cashback amount is AED 4,800 per year.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 525
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Annual Fees for primary credit cardholders will be waived if retail spends of the preceding 12 months exceeds AED 9,000 or equivalent.
Key Features
Reward Features
2% cashback on international spends (in non-AED currency) • 2% cashback on Airline* spends • 1% cashback** on all domestic spends (in AED currency).
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 30,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.50%
Cash Advance Fee
3.00 % / Min 100
Key Features
Reward Features
Earn Cashback
Can be redeemed for CashBack, Sharaf DG, Kalyan Jewellers, Joyalukkas, Jacky's retailer & Jack's Electronics vouchers and Awqaf and Minors Affairs (AMAF) donations.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Key Features
Reward Features
Earn Cashback
Receive 1.5% cash back on all purchases. Monthly purchases of at least AED 1,000 required
Maximum monthly cash back is AED 1,000
Things To Be Aware Of
MINIMUM SALARY
AED 20,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 20,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback on all spends
Monthly spend tier AED 15,000 to AED 19,999 earn cashback on:
Travel - 5% (max AED 300)
Supermarkets - 5% (max AED 200)
For monthly spend above AED 20,000 earn cashback on:
Travel - 10% (max AED 600)
Supermarkets - 10% (max AED 400)
Monthly Spend Tier & Cashback earned:
Up to AED 14,999 - 3% (international), 1% (domestic)
AED 14,999 to 29,999 - 4% (international), 2% (domestic)
Above AED 30,000 - 5% (international), 3% (domestic)
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback on all spends
If your Cashback on Supermarket, Dining and Cinemas exceed the monthly maximum Cashback cap for these categories, then the excess spend amount in these categories will earn you Cashback at standard Cashback rates.
Monthly Spend Tier & Cashback on all other spends:
Standard Cashback*
In addition to the above you will earn up to 2% Cashback on your Domestic & International Retail Purchase Transactions, Internet Transactions and International Cash Advances
Max cashback payable across all categories = 1,500 p.m
*Effective April 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Health & Beauty, Club Membership, Computer Services, Automobiles & Vehicles and Insurance Services will earn 0.25% cashback for every AED 1 spent.
*Effective May 14th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.25% cashback for every AED 1 spent.
The minimum threshold to redeem cashback for the Titanium card is AED 500.
Transactions made through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs, ATM’s, Branches or any other RAKBANK payment channels will not be eligible for any cashback/rewards.
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.45 % / 2%
Key Features
Reward Features
Enjoy 1% Cashback* on all domestic and international retail, internet, cash transactions
Note: Maximum Cashback is AED 1,000 per month.
All spends under the category of Bill Payments (Telecommunication & utility), Government services, Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Get discounts on all spends
Monthly Spend Tier & Discount earned:
Max. discount Cap of AED 300 per month.
Government spend, utilities, telecom, real estate and fuel will earn 0.25% discount per 1 AED spent
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.45%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.20%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
Earn Cashback
All spends under the category of Bill Payments (Telecommunication & utility), Real Estate, Car Rentals, Transport and Petrol/Gas Stations will earn 0.25% cashback for every AED 1 spent.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.75%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
You can benefit from the offers above after a minimum spend of AED 1,250 on your du Titanium Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
3.50%
ANNUAL FEE
AED 550
MINIMUM SALARY
AED 30,000
RATE
3.50%
ANNUAL FEE
AED 550
Non AED Transaction Fee
2.95%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
Choose from First Rewards, First Miles or First Cashback
First Rewards
To redeem choose from hundreds of rewards vouchers for jewellery, personal accessories, electronics and more
First Miles
Earn 2 First Miles for every $1 spent internationally and 1 First Mile for every $1 spend locally.
Redeem against any airline, hotel or any travel service in the world without any blackout dates.
First Cashback
Guaranteed cashback earnings up to 5%, with no minimum spend criteria.
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.85%
ANNUAL FEE
AED 788
MINIMUM SALARY
AED 15,000
RATE
3.85%
ANNUAL FEE
AED 788
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
Enjoy AED 2,000 as a cashback welcome offer when you sign up for a CBD Visa Infinite Credit Card and spend a minimum of AED 12,000 within 30 days of card issuance
Key Features
Reward Features
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.90%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
No Annual fee
Key Features
Reward Features
Earn Cashback:
Dubai First Cashback Card offers unlimited cashback with instant earning & redemption through the Dubai First Mobile app.
The Dubai First Cashback Card offers unlimited cashback as well as instant earning and redemption through the Dubai First Mobile App.
Things To Be Aware Of
MINIMUM SALARY
AED 25,000
RATE
2.99%
ANNUAL FEE
AED 525
MINIMUM SALARY
AED 25,000
RATE
2.99%
ANNUAL FEE
AED 525
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.15 % / AED 105
Key Features
Reward Features
Earn Cash Up on all spends:
Spend & Cash Up Tiers:
Airlines:
Hotel:
Entertainment:
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.33%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
First year free and continue saving on Annual fee if your spend is greater than AED 2000 in a year.
Key Features
Reward Features
Earn Cash Up:
Spend & Cash Up Tiers:
Dept Sores:
Utilities & Govt Services:
Fuel:
All Spend - 3%
All other Retail Purchases: 0.5%
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 10,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.15 % / Min 105
Joining Offers
Free for life card.
Key Features
Reward Features
Earn Cash up:
Spend & Cash Up Tiers:
Dept Sores
Online shopping
Entertainment
All other Retail Purchses: 1%
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 8,000
RATE
3.5%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.90%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
No annual fee in year 1. From year 2, annual fee is waived unless the annual spend is below AED 9,000, in which case a fee of AED 300 will apply
Key Features
Reward Features
Unlimited, Automatic Cashback on all Spend
3% cashback on all non-AED spend
2% cashback on all grocery/supermarket spend
1% on all other spend
No caps (up to monthly credit limit), no minimum spend, no redemption process and no spend categories excluded.
Things To Be Aware Of
on Citibank site
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
New credit card customers enjoy 0% interest on Cash on Call 6- and 12-month plans within 30 days of card issuance. Apply instantly through the CBD Mobile app.
Offer valid until 31 March 2024. One time processing fee of 1.99% and 4% respectively, applies.
Key Features
Reward Features
Earn Reward Points
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 8,000
RATE
3.69%
ANNUAL FEE
AED 400
MINIMUM SALARY
AED 8,000
RATE
3.69%
ANNUAL FEE
AED 400
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 105
Joining Offers
No Annual Fee for the first year on Primary Card. Annual fee applicable only from second year onwards
Key Features
Reward Features
Earn up to 10% Cashback on your monthly spends with CBD's Super Saver Cashback Credit Card with the maximum of up to AED 600 per month
• Up to 10% Cashback on Supermarket spends
• Up to 10% Cashback on Education (School, College, University Fees)
• Up to 10% Cashback on Utility bill payments
• Up to 10% Cashback on Transport (Fuel)
Track your Cashback in realtime through CBD App and redeem it instantly as Cashback
Earn up to 10% CASHBACK on the following everyday retail spend categories, capped at AED 200 per category, per month. A minimum monthly total spend of AED 3,000 across all categories is required to start earning cashback.
Earn up to 1% Cashback on every AED 2 on all other spends, with no caps.
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 209
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 209
Non AED Transaction Fee
2.26%
Cash Advance Fee
- / -
Key Features
Reward Features
Earn Cashback
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.85
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / or AED 105
Joining Offers
Double cashback for first two months till 31st March 2024
Key Features
Reward Features
There are three plans available: One, One Plus, and One VIP.
For the One plan, the regular monthly cashback is AED 135, with a double cashback promotion of AED 270. The plan is free for the first 36 months, and from the 37th month onwards, a monthly fee of AED 39 is waived if a minimum total spend of AED 8,000 is met. The minimum total monthly spend required to avail cashback is AED 5,000, and transactions on selected brands like Airbnb, Booking.com, and Uber are eligible for cashback.
For the One Plus plan, the regular monthly cashback is AED 250, with a double cashback promotion of AED 500. Similar to the One plan, it's free for the first 36 months, and from the 37th month onwards, a monthly fee of AED 69 is waived if a minimum total spend of AED 15,000 is met. The minimum total monthly spend required to avail cashback is AED 8,000, and transactions on selected brands like Netflix, Spotify, and Starbucks are eligible for cashback.
For the One VIP plan, the regular monthly cashback is AED 500, with a double cashback promotion of AED 1,000. This plan is free with a minimum spend of AED 22,000, otherwise, a monthly fee of AED 99 applies if the spend criteria are not met. The minimum total monthly spend required to avail cashback is AED 15,000, and transactions on selected brands like Fitness First and Class Pass are eligible for cashback.
*Starter Plan is free for life with no cashback benefit.
Things To Be Aware Of
Apply through CBD mobile App
MINIMUM SALARY
AED 20,000
RATE
2.90%
ANNUAL FEE
AED 500
MINIMUM SALARY
AED 20,000
RATE
2.90%
ANNUAL FEE
AED 500
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
5,000 Sign-up bonus reward points!
Key Features
Reward Features
Al Masraf Rewards:
A program that delivers amazing value by rewarding your spends with points which can be redeemed across multiple categories like travel, lifestyle, leisure or simply redeem for cash back.
Earn Al Masraf Rewards on all spends:
Things To Be Aware Of
MINIMUM SALARY
AED 40,000
RATE
2.75%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 40,000
RATE
2.75%
ANNUAL FEE
AED 750
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
10,000 Sign-up bonus reward points!
Key Features
Reward Features
Al Masraf Rewards:
A program that delivers amazing value by rewarding your spends with points which can be redeemed across multiple categories like travel, lifestyle, leisure or simply redeem for cash back.
Earn Al Masraf Rewards on all spends:
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.00%
ANNUAL FEE
AED 150
MINIMUM SALARY
AED 10,000
RATE
3.00%
ANNUAL FEE
AED 150
Non AED Transaction Fee
2.75%
Cash Advance Fee
3.00 % / Min 100
Joining Offers
3,000 Sign-up bonus reward points!
Key Features
Reward Features
Al Masraf Rewards:
A program that delivers amazing value by rewarding your spends with points which can be redeemed across multiple categories like travel, lifestyle, leisure or simply redeem for cash back.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 500
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 500
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
ADIB Rewards Program
1% flat Cashback: anywhere – any time
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 250
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 250
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
1% Cashback: anywhere – any time
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 299
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 299
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
1.25% cashback on international spend and 0.8% on domestic spend
Things To Be Aware Of
MINIMUM SALARY
AED 10,000
RATE
3.19%
ANNUAL FEE
AED 750
MINIMUM SALARY
AED 10,000
RATE
3.19%
ANNUAL FEE
AED 750
Non AED Transaction Fee
3.90%
Cash Advance Fee
3.00 % / Min 100
Key Features
Reward Features
Earn Cashback
Total domestic spend & cashback earned per month
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 157
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 157
Non AED Transaction Fee
2.26%
Cash Advance Fee
Key Features
Reward Features
Earn Cashback:
Maximum monthly cashback is AED 1,000 per billing cycle. Cashback is only on spends in UAE.
Things To Be Aware Of
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 1000
MINIMUM SALARY
AED 8,000
RATE
3.09%
ANNUAL FEE
AED 1,000
Non AED Transaction Fee
3.10%
Cash Advance Fee
3.00 % / Min 99
Key Features
Reward Features
1% flat Cashback: anywhere – any time
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 735
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 735
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.75%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.75%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
You can benefit from the offers above after a minimum spend of AED 2,500 on your du Platinum Credit Card in the month prior.
Customers will earn 10% cashback with du auto payment setup until 1 June 2021, then cashback will be based on spend criteria.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 315
MINIMUM SALARY
AED 5,000
RATE
3.50%
ANNUAL FEE
AED 315
Non AED Transaction Fee
3.64%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
AED 800 cashback bonus when you spend AED 5000 or above in the first 60 days. Get an AED 500 joining bonus when you spend AED 5,000 or more, or an AED 800 bonus when you spend AED 8,000 or more, within the first 60 days of card issuance.
Key Features
Reward Features
Cashback is capped at AED 200 per month across food, fuel & grocery shopping for Expats with an overall cap of AED 1,000.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 300
MINIMUM SALARY
AED 5,000
RATE
3.85%
ANNUAL FEE
AED 300
Non AED Transaction Fee
2.49%
Cash Advance Fee
3.15 % / Min AED105
Joining Offers
AED 800 cashback bonus when you spend AED 5000 or above in the first 60 days. Get an AED 500 joining bonus when you spend AED 5,000 or more, or an AED 800 bonus when you spend AED 8,000 or more, within the first 60 days of card issuance.
Key Features
Reward Features
Supermarket Spending (Including Online)
Cashback :5%
FAB Rewards : 17 FAB Rewards per AED 1 spent
Fashion
Cashback : 5%
FAB Rewards : 17 FAB Rewards per AED 1 spent
Dining
Cashback : 5%
FAB Rewards :17 FAB Rewards per AED 1 spent
All Other Spending (Excluding Select Categories)
Cashback : 1%
FAB Rewards :3.5 FAB Rewards per AED 1 spent
Select Categories
Cashback : 0.15%
FAB Rewards : 0.5 FAB Rewards per AED 1 spent
Non-AED Spending
Cashback : 3%
FAB Rewards :10 FAB Rewards per AED 1 spent
Cashback is capped at AED 200 each on dining out, fashion shopping and grocery shopping.
Overall cap of AED 1,000 per month across all categories.
Cashback will be processed in equivalent FAB Rewards, redeemable instantly on the FAB Mobile app.
Things To Be Aware Of
on First Abu Dhabi Bank (FAB) site
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.00 % / Min 99
Joining Offers
Apply for a Platinum credit card and get it free along with a voucher worth AED 300 to spend on Noon.com.
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 30,000
RATE
1.99%
ANNUAL FEE
AED 1575
MINIMUM SALARY
AED 30,000
RATE
1.99%
ANNUAL FEE
AED 1,575
Non AED Transaction Fee
3.25%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply for an Emirates NBD Credit Card and receive a voucher worth up to AED 400 that can be availed across Noon and Noon Daily!
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 420
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 420
Non AED Transaction Fee
3.14%
Cash Advance Fee
3.15 % / Min 103.95
Key Features
Reward Features
Earn Plus Points Rewards
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 263
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 263
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Activate your Card and you will recieve a Manchester United Home Jersey and Complimentary Manchester United 'RED Box'.
Key Features
Reward Features
Earn RED Points Rewards
Maximum Red Points for sports good stores and dining outlets in one billing cycle is 50,000 Red points. Red Points can be redeemed for gift vouchers, cash back.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 350
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 350
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.00 % / Min 199
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Earn Cashback on your Emirates Islamic Cashback Card
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
0% balance transfer with no processing fees.
Key Features
Reward Features
Redeem Lulu points at over 70 Lulu stores at 1 Lulu point = 1 AED
Things To Be Aware Of
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 250
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 250
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Welcome offer of 500 LuLu Points and 0% interest on balance transfers with no processing fees
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 208.95
MINIMUM SALARY
AED 12,000
RATE
3.25%
ANNUAL FEE
AED 209
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / Min 103.95
Key Features
Reward Features
Earn Plus Points rewards:
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.49
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 12,000
RATE
3.49
ANNUAL FEE
AED 0
Non AED Transaction Fee
1.99%
Cash Advance Fee
3.15 % / AED 104
Joining Offers
Exclusive current offer: No Annual Fee
Key Features
Reward Features
Earn Plus Points on spends
5% rewards on grocery, electronics, utilities, education and fuel
0.5% rewards on other spends including travel, dining, hotels and online
Plus Points earning cap per statement is applicable.
Plus Points loyalty program rewards you for your everyday spends using your Emirates NBD Credit Card. You are automatically enrolled to the program when you activate your credit card.
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 314
Non AED Transaction Fee
2.34%
Cash Advance Fee
3.15 % / AED 131.25
Joining Offers
Limited Time Offer - Welcome bonus of AED 500 as cashback points!*
*To be eligible for the bonus cashback points a minimum retail spend of AED 15,000 in 60 days of card open date is required. The cashback points will be credited to your EI Rewards account within 90 days of campaign end date i.e. latest by 31 December 2024.
Key Features
Reward Features
Lifestyle
| Merchant Category | Cashback % | Monthly Cap (in AED) |
|---|---|---|
| Supermarket (Domestic) | 4% | 200 |
| Dining | 4% | 200 |
| Fuel (Domestic) | 8% | 100 |
| Education | 4% | 200 |
| Telecom, Utilities, Real Estate & Govt. Spends | 0.5% | No Cap |
| Other spends | 1% | No Cap |
Travel
| Merchant Category | Cashback % | Monthly Cap (in AED) |
|---|---|---|
| Airlines | 4% | 200 |
| Hotels | 4% | 200 |
| Dining | 4% | 200 |
| Telecom, Utilities, Real Estate & Govt. Spends | 0.5% | No Cap |
| Other spends | 1% | No Cap |
On the Emirates Islamic Switch Cashback Credit Card, the Cashback calculated for the month are for all based on transactions posted in the calendar month based on the category chosen by the customer, Lifestyle or Travel. This means the Cashback earned will only be accrued for transactions billed within the calendar month subject to a minimum spend of AED 2,500.To redeem your accrued cashback as a statement credit, you must have a minimum of AED 300 worth of Cashback in your Cashback wallet.
Things To Be Aware Of
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.49%
ANNUAL FEE
AED 0
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 200 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 2,500 by November 30, 2023 is required to get the AED 200 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Things To Be Aware Of
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 299
MINIMUM SALARY
AED 12,000
RATE
3.49%
ANNUAL FEE
AED 299
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
Apply now for a new Emirates Islamic Credit Card and get a voucher worth up to AED 500 for all your purchases at noon.com including noon, FOOD and DAILY. A minimum retail purchase of AED 5,000 by November 30, 2023 is required to get the AED 500 noon.com gift voucher.
Offer valid only for new Emirates Islamic Credit Card customers who apply for an Emirates Islamic Credit Card by September 30, 2023 and receive approval latest by October 31, 2023.
Offer not valid for customers with an active Emirates Islamic Credit Card or for customers who closed their Cards within the last six months.
Key Features
Reward Features
Earn cashback on your Emirates Islamic Cashback Plus Credit Card
Cashback on Supermarket, Education, Dining & telecom for total monthly spend level:
Maximum Cash Back Per Month - AED 200 for above categories.
Things To Be Aware Of
MINIMUM SALARY
AED 40,000
RATE
2.79
ANNUAL FEE
AED 1,500
MINIMUM SALARY
AED 40,000
RATE
2.79
ANNUAL FEE
AED 1
Non AED Transaction Fee
3.15%
Cash Advance Fee
3.15 % / or AED 105
Key Features
Reward Features
Indulge in exclusive experiences with unlimited cashback when you use your UAB World Mastercard Credit Card. Maximise your cashback by shopping across categories and brands at all local and international retail chains.
Cashback credit cards are quite popular among credit card customers in the UAE. With so many cards offered, it is not an easy task to compare and identify which cards offer the highest cashback that meets your spend pattern. The purpose of this article is to help you make a well-informed decision while shopping for a cashback credit card in the UAE. Before we get into the categories and recommendations, let us go through the basics.
Banks recognize their customer loyalty through rewards and promote consistent usage of their products. These loyalty rewards do build customer loyalty and loyal customers are profitable as well. The longer a customer stays with a bank they become less expensive to serve. On the other side, customer ends up saving a percentage of his spend. It is a win- win for both.
Cashback on credit cards is a loyalty reward program where in banks reward you with a percentage of spend as a cashback credit. Below is an example.
A card offers you cashback of 5% on all supermarket spends and you use this card in a supermarket for AED 1,000 in a particular month. The bank will give you a credit of AED 50 (5% of AED 1,000) in your next credit card statement. This means that you have effectively saved AED 50 and your supermarket spend cost you only AED 950. Cashback credit cards UAE can be particularly useful in helping you maximize your savings by simply using your credit card.
Choosing a cashback credit card UAE may not be as easy it sounds. You need to consider the below
Which cards are available at your current income?
What are the joining offers?
How easy is to redeem cashback is it an automatic process or a manual process?
What’s the card’s cash-back rate, annual fee, maximum cashback caps, spend requirement and so on?
Do the reward points lapse after a period if not redeemed?
Any Fine prints?
Answers to the above questions will determine which card is most suitable for you. Soulwallet is a neutral personal finance comparison site. Our analysts constantly review product features of credit cards in the market to provide you with valuable insights into personal finance solutions.
We strongly recommend that the specific reward program terms are read and understood before signing up for the card. With great rewards comes great responsibility. At Soulwallet, we believe in building healthy credit habits which is critical to enjoy the rewards of a credit card. Even the best cash back rewards will not outweigh the cost of revolving debt on a card earning double-digit interest. Unless you maintain a healthy credit history, you may risk rejection from issuers, who often reserve approval for applicants with the best credit scores. Before seeking the best cash back rewards, make sure you are prepared to use your new card responsibly. Establish a healthy credit score alongside healthy credit habits like timely payments, paying balances in full, and low credit utilization.
Many or all the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.
Don't be blinded by shiny cash back rates! Comparing fees and interest rates is crucial when picking a card. A higher reward rate could be overshadowed by an annual fee or sky-high APR. Analyze the fine print - fees for foreign transactions, balance transfers, or late payments can quickly eat into your cashback. Choose a card that aligns with your spending habits and offers rewards without hidden costs, maximizing your financial benefit.
Below are the top 10 Cashback credit cards based on competitive interest rates, charges and fees (excluding Annual fee).
|
Citi Cashback |
|
|
Emirates Islamic Switch Credit Card (Lifestyle & Travel) |
|
|
FAB Cashback |
|
|
Rakbank World |
|
|
Simplylife Cashback Credit Card |
|
Overall, the top 5 cashback credit cards in the UAE offer competitive features such as reasonable APRs, cashback benefits, and relatively lower fees compared to other cards in the market. Customers should consider their spending habits and preferences to choose the card that aligns best with their financial goals and needs.
| Bank | Card Name | Minimum Salary |
Joining offer |
Annual Fee | Monthly Retail APR |
Cash APR |
Cash Advance fee | Foreign Transaction fee |
Late fee |
Overlimit fee |
Min due |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Citi | Citi Cashback | AED 8000 | AED 150 statement credit for a minimum spend of AED 7,500 within 90 days | No annual fee in yr. 1. From yr. 2. onwards the card is free unless a min. annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies | 3.50% | 3.50% | 3% of the cash advance amount or AED 99, whichever is higher | 2.99% of the transaction amount | AED 230 | AED 249 or the highest over-limit amount during the statement period | 2.74% of current balance or AED 100, whichever is higher |
| Emirates Islamic | Switch Credit Card ( lifestyle) | AED 10000 | None | AED 313.95 - waived if spends in last 12 months exceeds AED 30,000 | 3.69% | 3.49% | 3.15% of cash advance amount or AED 103.95 whichever is higher | 2.34% | 131.25 | 261.45 | 5% |
| Emirates Islamic | Switch Credit Card ( Travel) | AED 10000 | None | AED 313.95 - waived if spends in last 12 months exceeds AED 30,000 | 3.69% | 3.49% | 3.15% of cash advance amount or AED 103.95 whichever is higher | 2.34% | 131.25 | 261.45 | 5% |
| FAB | FAB Cashback | AED 5000 | AED 300 welcome bonus + 12% cashback on supermarkets for first 3 months | AED 315 (including VAT) | 3.85% | 3.99% | 3.15% of the amount of cash obtained with a minimum of AED 105 per transaction | 2.49% of transaction value + scheme charges | AED 241.50 | AED 288.75 | 5% or AED 100 whichever is lower |
| FAB | FAB Islamic Cashback | AED 5000 | Spend AED 5,000 to get AED 500 or Spend AED 8,000 to get AED 800 | AED 315 | 3.50% per month | 3.50% per month | 3.15% of amount with a minimum of AED 105 | 2.49% of transaction + 1.15% scheme charges | AED 241.50 (estimated) | AED 288.75 (estimated) | 5% of outstanding or AED 100, whichever is higher |
| Mashreq | Mashreq Cashback | AED 5000 | For new credit card customers: AED 500 (spend >AED 5000 in 2 months)
For existing credit card customers: AED 100 with > spend AED 5,000 |
Free for life | 3.85% | 3.85% | 3.15% or AED 210
whichever is higher |
2.89% | 241.50 | 303.45 | 5% |
| CBD | CBD Super Saver Credit Card | AED 8000 | Welcome bonus of AED 1000 | 1st year free 2nd year AMF AED 420 | 3.85% | 3.85% | 3% of the amount of cash obtained with a minimum of AED 105 per transaction | 2.99% | 241.5 | 288.75 |
|
| HSBC | HSBC Cashback Credit Card | AED 10000 | AED 600 welcome cashback on spending AED 6,000 in the first 60 days | Then AED 313.95 including VAT. fee will be waived for the first year if application is approved on or before 30 June 2024. Second year owards annual fee will be waived with a minimum spend of AED 12,000 in the previous 12 months. | 3.69% | 3.69% | 3% (3.15% inclusive of VAT) of total amount or AED 100 | 2.1%including VAT | 241.5 | 262.5 | 5% of the outstanding or AED 100, whichever is higher |
| HSBC | HSBC Cash + Credit Card | AED 30000 | Receive AED 400 cashback when you get this card and spend AED 5,000 within the first 60 days. Get 10% bonus cashback all year when you meet minimum spends. | AED 1,050 including VAT. fee will be waived for the first year if application is approved on or before 30 June 2024. second year owards annual fee will be waived with a minimum spend of AED 24,000 in the previous 12 months. |
|
3.69% | 3% (3.15% inclusive of VAT) of total amount or AED 100 | 2.1%including VAT | 241.5 | 262.5 | 5% |
| Dubai First | Dubai First Cashback Credit Card | AED 5000 | Get up to AED 800 cashback with a new Dubai First Cashback card. | AED 399 | Upto 3.85% | Upto 3.99% | 3% of cash advance amount
or AED 100 whichever is higher |
2.75% of transaction value + scheme charges | 230 | 275 | 3% |
| Standard Chartered Bank | SCB Simply Cash Credit Card | AED 8000 | Apply now and earn
AED 300 Cashback as a welcome reward. Spend and winupto AED25,000 in a raffle draw4 |
AED 525 (first year free & after the first year and every year after that, your annual fee will be waived if you spend at least AED 9,000 in the previous 12 months.) | 3.45% | 3.75% | 3.15% of cash advance amount or AED 105 | 2.99% | 241.5 | 292.95 | 1% of the principal
balance plus all fees and charges ) or AED 110, whichever is higher |
| Simplylife | Simplylife Cashback Credit Card | AED 5000 | None | Free for life | 3.25% | 3.50% | 3.15% of cash advance amount or AED 105 | 2.99% | 241.5 | 288.75 | 5% or AED 100 whichever is higher |
| United Arab Bank (UAB) | UAB Platinum Mastercard Credit Card | AED 10000 | None | AED 787.50 from the second year (first year free) | 2.99% | 2.99% | 3.15% of the cash advance amount or AED 105, whichever is higher | 3.15% | AED 241.50 | AED 208.95 | 5% of the outstanding balance |
| United Arab Bank (UAB) | UAB Titanium Mastercard Credit Card | AED 5000 | None | AED 300 with first year free | 2.99% | 2.99% | 3.15% of the cash advance amount or AED 105, whichever is higher | 3.15% | AED 241.50 | AED 208.95 | 5% of the outstanding balance |
| United Arab Bank (UAB) | UAB World Mastercard Credit Card | AED 40000 | None | aED 1500 with first year free | 2.99% | 2.99% | 3.15% of the cash advance amount or AED 105, whichever is higher | 3.15% | AED 241.50 | AED 208.95 | 5% of the outstanding balance |
The UAE offers various cashback credit card options tailored to different financial needs and income brackets. Here, we outline the key eligibility criteria and specific tips for qualifying for these cards.
Basic Eligibility Criteria
To qualify for best credit card UAE, applicants must meet several basic requirements:
Credit History and Score
Credit scores are crucial in the UAE, managed by the Al Etihad Credit Bureau (AECB). Scores range from 300 to 900 and are influenced by payment history, credit utilization, length of credit history, types of credit, and new credit applications. Acceptable scores vary:
Debt Burden Ratio (DBR)
The DBR measures the proportion of income used to repay debts, including loans and credit card payments. In the UAE, the maximum DBR allowed is 50% of monthly income.
Additional Factors
Banking Relationship: Existing relationships with a bank can facilitate easier approval.
Type of Employment and Employer: Working for a well-recognized company or government entity improves chances of approval.
Self-Employed Eligibility: Self-employed individuals need to show proof of consistent income and financial stability through bank statements and profit and loss statements.
Tips for Successful Credit Card Application
Check Your Credit Score: Address any discrepancies or outstanding debts.
Understand the Card Benefits: Match card features with your financial behavior.
Prepare Documentation: Have all necessary documents handy.
Consider Multiple Options: Choose the best card that fits your needs and avoid multiple applications.
Follow-up: Stay in touch with the bank to check your application status.
Minimum Salary Requirements for Cashback Credit Cards
|
Bank |
Card Name |
Minimum Salary |
|
Citi |
Citi Cashback |
AED 8,000 |
|
Emirates Islamic |
Switch Credit Card (Lifestyle) |
AED 10,000 |
|
Emirates Islamic |
Switch Credit Card (Travel) |
AED 10,000 |
|
FAB |
FAB Cashback |
AED 5,000 |
|
Mashreq |
Mashreq Cashback |
AED 5,000 |
|
CBD |
CBD Super Saver Credit Card |
AED 8,000 |
|
HSBC |
Cashback Credit Card |
AED 10,000 |
|
HSBC |
Cash + Credit Card |
AED 30,000 |
|
Dubai First |
Cashback Credit Card |
AED 5,000 |
|
Standard Chartered Bank |
Simply Cash Credit Card |
AED 8,000 |
|
Simplylife |
Cashback Credit Card |
AED 5,000 |
|
Rakbank |
Rakbank World |
AED 20,000 |
Conclusion
Qualifying for a cashback credit card in the UAE requires understanding and meeting the eligibility criteria, including financial stability, creditworthiness, and compliance with the DBR. By carefully preparing and choosing the right credit card, you can manage your finances more effectively and take advantage of the benefits credit cards offer.
As of January 2024, these cashback credit cards offer some of the most attractive joining bonuses. Please note that the details provided below are subject to change. We advise customers to verify the current offers and rates with the respective banks at the time of application, as promotional terms may vary and are subject to periodic updates.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Below is a much more exhaustive list of popular cashback credit cards in the UAE. These are not sorted as per any order.
|
Bank |
Card Name |
Minimum Salary |
Joining offer |
Annual Fee (First year free) |
Comments |
|---|---|---|---|---|---|
|
AED 8000 |
AED 150 Joining bonus statement credit upon meeting min spend criteria of AED 7,500 in 90 days |
Y |
No annual fee in yr. 1. From yr. 2. onwards the card is free unless a min. annual spend of AED 9,000 is not met, in which case an annual fee of AED 300 applies |
||
|
AED 10000 |
None |
Y with spend requirement |
AED 313.95 - waived if spends in last 12 months exceeds AED 30,000 |
||
|
AED 10000 |
None |
Y with spend requirement |
AED 313.95 - waived if spends in last 12 months exceeds AED 30,000 |
||
|
AED 5000 |
AED 300 welcome bonus + 12% cashback on supermarkets for first 3 months |
N |
AED 315 |
||
|
AED 5000 |
AED 350 joining bonus cashback |
V |
AED 399 |
||
|
AED 20000 |
None |
Free for life |
Free for life |
||
|
AED 8000 |
None |
Y |
1st year free 2nd year AMF AED 420 |
||
|
AED 5000 |
Spend in first 2 months >9500 = AED 1,000. Spend in first 2 months is between 5000 to 9500 = AED 500, For existing customers AD 100 welcome bonus if spend is greater than 5000. |
Free for life |
Free for life |
||
|
AED 8000 |
Apply now and earn
|
Y |
AED 525 (first year free & after the first year and every year after that, your annual fee will be waived if you spend at least AED 9,000 in the previous 12 months.) |
||
|
AED 30000 |
Receive AED 400 cashback when you get this card and spend AED 5,000 within the first 60 days. Get 10% bonus cashback all year when you meet minimum spends. |
Y |
AED 1,050 including VAT. fee will be waived for the first year if application is approved on or before 30 June 2024. second year onwards annual fee will be waived with a minimum spend of AED 24,000 in the previous 12 months. |
||
|
AED 10000 |
Receive AED 400 cashback when you get this card and spend AED 5,000 within the first 60 days. |
Y |
Then AED 313.95 including VAT. fee will be waived for the first year if application is approved on or before 30 June 2024. Second year onwards annual fee will be waived with a minimum spend of AED 12,000 in the previous 12 months. |
||
|
AED 5000 |
None |
Free for life |
Free for life |
| Bank | Card Name | Supermarket and |
International spends |
Online spends | Other spends | Cinemas | Dining | Government | Realestate | Education |
Fuel |
Rental |
Telecom | Insurance | Utility | Travel / Transport | Min Spend | Max cashback | Redemption |
Things to be aware of |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Citi | Citi Cashback | 3% | 3% | 1% | 1% | 1% | 3% | 1% | 1% | 1% | 3% | 1% | 1% | 1% | 1% | 1% | 0 | 1000 | Credited monthly | Certain exclusions like cash advances, fees, or loan payments |
| Emirates Islamic | Switch Credit Card ( lifestyle) | 4% with max of AED 200 | 1% | 1% | 1% | 1% | 4% with max of AED 200 | 0.5% | 0.5% | 4% with max of AED 200 | 8% with a max of AED 100 | 0.5% | 0.5% | 1% | 1% | 1% | 2500 | 800 | Manual | To redeem your accrued cashback as a statement credit, you must have a minimum of AED 300 worth of Cashback in your Cashback wallet |
| Emirates Islamic | Switch Credit Card ( Travel) | 1% | 1% | 1% | 1% | 1% | 4% with max of AED 200 | 0.5% | 0.5% | 1% | 1% | 0.5% | 0.5% | 1% | 1% | 4% with max of AED 200 ( Airlines) and 1% for other travel | 2500 | 800 | Manual | To redeem your accrued cashback as a statement credit, you must have a minimum of AED 300 worth of Cashback in your Cashback wallet |
| FAB | FAB Cashback | 5% with max of AED 200 | 3% | 1% | 1% | 1% | 5% with max of AED 200 | 0.15% | 0.15% | 1.00% | 1.00% | 0.15% | 1.00% | 0.15% | 1% | 0.15% | 0 | 1000 | Automatic | Certain exclusions apply, capped categories, no cashback for fees or cash advances |
| FAB | FAB Islamic Cashback | 5% with max of AED 200 | 3% | 1% | 1% | 1% | 5% with max of AED 200 | 0.25% | 0.15% | 0.25% | 5% with max of AED 200 | 0.25% | 1.00% | 0.15% | 5% with max of AED 200 | 0.25% | 0 | 1000 | Automatic | Certain exclusions apply, capped categories, no cashback for fees or cash advances |
| Mashreq | Mashreq Cashback | 1% | 2% | 1% | 1% | 1% | 5% | 0.33% | 1% | 0.33% | 0.33% | 0.33% | 0.33% | 1% | 0.33% | 1% | 0 |
|
Manual |
|
| CBD | CBD Super Saver Credit Card | 10% with max of AED 150 | 0% | 0% | 0% | 0% | 0% | 10% with max of AED 150 | 0% | 10% with max of AED 150 | 0% | 0% | 10% with max of AED 150 | 0% | 10% with max of AED 150 | 10% with max of AED 150 | 3000 | 600 | Manual |
|
| HSBC | HSBC Cashback Credit Card | 2% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 2% | 5% with max of AED 200 | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 3000 | 600 | Automatic | Maximum cashback is capped at AED 200 for fuel spends, AED 200 for grocery spends. Min 3000 AED spend required |
| HSBC | HSBC Cash + Credit Card | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 3000 | 600 | Automatic | No minimum spend |
| Dubai First | Dubai First Cashback Credit Card | 5% with max of AED 200 | 3% | 1% | 1% | 1% | 5% with max of AED 200 | 0.15% | 0.15% | 1% | 5% with max of AED 200 | 1.00% | 1% | 0.15% | 0.15% | 0.15% | 0 | 400 | Manual | No minimum spend |
| Standard Chartered Bank | SCB Simply Cash Credit Card | 1% | 2% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 0 |
|
Manual | The minimum amount that is allowed to be redeemed in any instance is AED 100/-. |
| Simplylife | Simplylife Cashback Credit Card | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1% | 1000 | 1000 |
|
|
| United Arab Bank (UAB) | UAB Platinum Mastercard Credit Card | 0.5% | 2% | 1% | 1% | 1% | 1% | 0.50% | 0.50% | 0.50% | 0.50% | 1% | 1% | 1% | 1% | 1% | 0 |
|
Cashback credited monthly and reduces outstanding balance | No cashback for cash advances, balance transfers, loans, or refunds |
| United Arab Bank (UAB) | UAB Titanium Mastercard Credit Card | 0.5% | 2% | 1% | 1% | 1% | 1% | 0.50% | 0.50% | 0.50% | 0.50% | 1% | 1% | 1% | 1% | 1% | 0 |
|
Cashback credited monthly and reduces outstanding balance | No cashback for cash advances, balance transfers, loans, or refunds |
| United Arab Bank (UAB) | UAB World Mastercard Credit Card | 0.5% | 2% | 1% | 1% | 1% | 1% | 0.50% | 0.50% | 0.50% | 0.50% | 1% | 1% | 1% | 1% | 1% | 0 |
|
Cashback credited monthly and reduces outstanding balance | No cashback for cash advances, balance transfers, loans, or refunds |
|
Bank |
Card Name | Cinemas | Airport Lounge | Golf | Valet | Other Benefits | Airport Transfers |
Car Rentals |
|---|---|---|---|---|---|---|---|---|
| Citi | Citi Cashback | NA | : Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app | NA | NA | 20% discount (up to AED 14) on grocery and food orders twice once month on the Talabat app. Use code “MASTERCARD” at checkout
Booking.com: Up to 10% cash back to wallet across millions of properties worldwide via Booking.com/mastercardmea Travel Accident & Medical Insurance for delayed flights, lost luggage and emergency medical conditions |
2 airport rides per year (up to AED 44 each) usin2 rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app | NA |
| Emirates Islamic | Switch Credit Card ( lifestyle) | Enjoy up to 2 "Buy 1 Get 1" complimentary movie tickets each month, any day of the week across Vox or Reel Cinemas( min spend of AED 5000). | Access to 1000 airport lounge worldwide for primary and supplementary card holders | Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Jebel Ali Golf Course, The Trump International Golf Club or Abu Dhabi Golf Club on weekends or weekdays, subject to availability. A minimum monthly (calendar month) retail spend of AED 5,000 is required on your card to avail the benefit. | Enjoy 1 complimentary valet parking services per month at select locations across the UAE. Minimum monthly spend of AED 3000 is required. | Access to Dubai Ladies club, travel insurance, purchase protection | NA | NA |
| Emirates Islamic | Switch Credit Card ( Travel) | Enjoy up to 2 "Buy 1 Get 1" complimentary movie tickets each month, any day of the week across Vox or Reel Cinemas( min spend of AED 5000). | Access to 1000 airport lounge worldwide for primary and supplementary card holders | Enjoy two rounds of complimentary golf per month at Arabian Ranches Golf Club, Jebel Ali Golf Course, The Trump International Golf Club or Abu Dhabi Golf Club on weekends or weekdays, subject to availability. A minimum monthly (calendar month) retail spend of AED 5,000 is required on your card to avail the benefit. | Enjoy 1 complimentary valet parking services per month at select locations across the UAE. Minimum monthly spend of AED 3000 is required. | Access to Dubai Ladies club, travel insurance, purchase protection | NA | NA |
| FAB | FAB Cashback | Two cinema tickets a month for AED 20 at Reel Cinemas, Cine Royal and Star Cinemas. | unlimited lounge access, while your plus one receives 6 complimentary visits. | NA | NA | up to 40% off flights and hotel bookings through MakeMyTrip. Get up to 2 Costa coffees at Dubai Airport plus another 2 items. 5% cashback on dining and 50% off orders on the Talabat app with up to AED 40 off each order, four times a month with a minimum order of AED 50. 5% cashback on groceries and AED 40 off on Carrefour online when you spend a minimum of AED 250 once every month. | 2 free airport transfers and 20% off on chauffeur services with Careem (3 rides a month) | NA |
| FAB | FAB Islamic Cashback | NA | unlimited lounge access, while your plus one receives 6 complimentary visits. | NA | NA | up to 40% off flights and hotel bookings through MakeMyTrip. Get up to 2 Costa coffees at Dubai Airport plus another 2 items. 5% cashback on dining and 50% off orders on the Talabat app with up to AED 40 off each order, four times a month with a minimum order of AED 50. 5% cashback on groceries and AED 40 off on Carrefour online when you spend a minimum of AED 250 once every month. | 2 free airport transfers and 20% off on chauffeur services with Careem (3 rides a month) | Stress fee car rentals with up to 35% off Avis with a President Club membership and 15% off Hertz with a Gold Plus Five-star membership |
| Mashreq | Mashreq Cashback | NA | NA | NA | NA | 20% cashback for the first 6 months at Zomato, Netflix and more.
Max. cashback of AED 50 per merchant per month. |
NA | NA |
| CBD | CBD Super Saver Credit Card | 4 cinema**** tickets across VOX, Reel or Novo cinemas per calendar month at 50% off. | Enjoy 8 complimentary visits to over 1,000 airport lounges globally with Lounge Key | Four complimentary rounds of golf at Trump International Golf Club every month subject to calendar month retail spends of AED 7,500. | Enjoy free Valtrans valet parking three times per month at Dubai International Airport (Terminal 1 and Terminal 3), Al Maktoum International Airport and many more locations | 20% discount on regular admission tickets at KidZania®, E-Kart Zabeel | Dubai Aquarium and Underwater Zoo Penguin Cove and Nursery experience
20% discount on The Storm Coaster at Dubai Hills Mall 20% discount at Dubai Ice Rink general admission tickets 20% discount at Zabeel Sports District except badminton games. Complimentary night with Ten Concierge Hotel Services |
NA | Enjoy up to 35% discount on car rental booking |
| HSBC | HSBC Cashback Credit Card |
Buy 1 Get 1 Free movie tickets every month, up to 25% off food and drink at cinemas across the UAEcinemas across the UAE This link will open in a new window. |
12 complimentary visits for you and additional cardholders to over 1,000 lounges a year when you make at least 1 international purchase worth USD 1 with your HSBC Visa card 15 days before you travel. | NA | NA | Get a complimentary 12-month Careem Plus subscriptioncomplimentary 12-month Careem Plus subscription This link will open in a new window.. Enjoy over 200 offers across dining, retail and accommodation across MENA with the Timeout and Golf Access ProgrammeTimeout and Golf Access Programme This link will open in a new window. Get up to 8% off accommodation with Booking.com | NA | NA |
| HSBC | HSBC Cash + Credit Card |
Buy 1 Get 1 Free movie tickets every month, up to 25% off food and drink at cinemas across the UAEcinemas across the UAE This link will open in a new window. |
Access over 1,000 lounges in more than 300 cities worldwide.
Complimentary access for you and your additional cardholders, plus a guest each. USD 32 for each extra guest, per visit. |
NA | NA | Get a complimentary 12-month Careem Plus subscriptioncomplimentary 12-month Careem Plus subscription This link will open in a new window.. Enjoy over 200 offers across dining, retail and accommodation across MENA with the Timeout and Golf Access ProgrammeTimeout and Golf Access Programme This link will open in a new window. Get up to 8% off accommodation with Booking.com. Enjoy a personalised greeting and exceptional airport experience, with up to 30% off on Airport Meet & Assist at over 450 locations worldwide.Get deals on shopping, travel, dining and more worldwide with home&Awayhome&Away This link will open in a new window. | NA | NA |
| Dubai First | Dubai First Cashback Credit Card | Get four standard movie tickets every month for only AED 20 at weekends, and 20% discount on food & beverage purchases throughout the year. | Unlimited complimentary access to select airport lounges | NA | NA | Book a ride with Careem and enjoy 20% off the first three rides every month. Download Mastercard ‘Buy 1 Get 1’ mobile app and get access to 900+ offers including spa treatments, travel offers, fine dining and much more. Shop at over 100,000 U.S. retailers, including Apple, Amazon and Ralph Lauren and get fast, reliable, affordable international shipping with MyUS.World-leading brands offer savings of up to 60%, on the recommended retail price all year round. 10% off luxury clothing online with Farfetch.30% off at Lingokids. 8% off on clear trip. 10% off on booking.com | NA | 20% off Avis car rentals. 10% off at rental cars |
| Standard Chartered Bank | SCB Simply Cash Credit Card | free movie at VOX and Reel Cinemas with our Buy 1 Get 1 offers. All you have to do is meet the minimum spend criteria of AED3,000. | Enjoy 8 complimentary visits for you and additional cardholders to over 1,000 lounges a year when you make at least 1 international purchase worth USD 1 with your Simply Cash card at least 15 days before you travel. | NA | NA | % off (instant discount) on Booking.com. 20% discount on Juemirah hotel rooms and suites. 12% discount on Agoda, 20% at over 200 airport restaurants around the world with DragonPass. From restaurant reservations to planning a special occasion, enjoy 24×7 personalised services with Visa Signature Concierge. Get a hot or cold coffee on us with the Buy 1 Get 1 Free offer, at any of the 150+ Costa Coffee outlets in the UAE. | NA | NA |
| Simplylife | Simplylife Cashback Credit Card | Receive two movie tickets free when you make monthly purchases worth AED 1,500 or more. | complimentary access to the Marhaba Lounges at Terminal 1 and 3 of the Dubai International Airport and the Terminal in DWC -Al Maktoum International Airport. complimentary access to the new Diamond Lounge located at the VIP terminal of the Abu Dhabi International airport. | NA | NA | n | NA | NA |
| United Arab Bank (UAB) | UAB Platinum Mastercard Credit Card | NA | network of 1,200+
airport lounges in over 135 countries around the world. |
NA | Get 20% discount on three careem rides every month. | Get up to 10% cashback on booking.com. Discover Priceless Specials and enjoy 'Buy 1, Get 1’ and exciting o ers on
dining, fitness, beauty, hotels and attractions when you use your UAB Titanium Mastercard Credit Card. |
NA | NA |
| United Arab Bank (UAB) | UAB Titanium Mastercard Credit Card | NA | network of 1,200+
airport lounges in over 135 countries around the world. |
NA | Get 20% discount on three careem rides every month. | Up to 10% cashback on booking.com. 10% discount o the price of your international roundtrip cleartrip booking. Get a complimentary VIP invite and access to VIP lounges at Bicester
Village. Priceless Specials |
NA | NA |
| United Arab Bank (UAB) | UAB World Mastercard Credit Card | NA | network of 1,200+
airport lounges in over 135 countries around the world. |
NA | Get 20% discount on three careem rides every month. | Enjoy 10% discount on bookings at over 2,500 Onefinestay luxury
service apartments across London, Paris, Rome, Milan, New York, Los Angeles, San Francisco, Miami, and Boston. Up to 10% cashback on booking.com. 10% discount o the price of your international roundtrip cleartrip booking. Get a complimentary VIP invite and access to VIP lounges at Bicester Village. Priceless Specials |
NA | Enjoy Complimentary Upgrade and Discount on best rates with your
Hertz Gold Plus Rewards® Five Star Membership. Use UAB World Mastercard Credit Card to get up to 25% to 35% on your next car rental across Europe, Middle East, Africa and Asia |
Below are some of the cashback cards which have good value from a loyalty reward perspective for specific categories.
|
Supermarket and Groceries |
||
|
FAB Cashback: Offers 5% cashback on supermarket spends with a maximum cashback of AED 200. |
Dubai First Cashback Credit Card: Provides 5% cashback on supermarket purchases with a maximum cashback of AED 200. |
Rakbank World: Offers up to 5% cashback on spends of AED 15,000 to AED 19,999.99, and 10% cashback on spends of AED 20,000 and above, with a maximum cashback of MC 200. International Spends: |
|
International Spends |
||
|
HSBC Cashback Credit Card: Provides 2% cashback on international spends. |
Emirates Islamic Switch Credit Card (Travel): Offers 1% cashback on international spends. |
Mashreq Cashback: Provides 2% cashback on international spends. |
|
Dining |
||
|
Dubai First Cashback Credit Card: Offers 5% cashback on dining with a maximum cashback of AED 200. |
Rakbank World: Provides up to 5% cashback on dining with a maximum cashback of AED 150. |
Citi Cashback: Offers 1% cashback on dining. |
|
Fuel |
||
|
Dubai First Cashback Credit Card: Offers 5% cashback on fuel spends with a maximum cashback of AED 200. |
HSBC Cash + Credit Card: Provides 1% cashback on fuel spends. |
HSBC Cashback Credit Card: Offers 5% cashback on fuel spends with a maximum cashback of AED 200. |
|
Online Spends |
||
|
Emirates Islamic Switch Credit Card (Lifestyle): Offers 1% cashback on online spends. |
Mashreq Cashback: Provides 1% cashback on online spends. |
Standard Chartered Bank Simply Cash Credit Card: Offers 1% cashback on online spends. |
These selections are based on the highest cashback rates and maximum cashback limits offered by each credit card in their respective categories. Additionally, factors like joining bonuses, annual fees, and redemption processes have also been considered in determining the top three credit cards for each category.
Compare cashback cards and identify the best for you!
| Select Card |
|
|
|
|
|---|---|---|---|---|
| Bank | ||||
| Minimum Salary | ||||
| Joining offer | ||||
| Annual Fee | ||||
| Monthly Retail APR | ||||
| Cash APR | ||||
| CA fee | ||||
| Foreign Transaction fee | ||||
| Late fee | ||||
| Overlimit fee | ||||
| Min due | ||||
| Supermarket and Groceries | ||||
| International spends | ||||
| Online spends | ||||
| Other spends | ||||
| Cinemas | ||||
| Dining | ||||
| Government | ||||
| Realestate | ||||
| Education | ||||
| Fuel | ||||
| Rental | ||||
| Telecom | ||||
| Insurance | ||||
| Utility | ||||
| Travel / Transport | ||||
| Min Spend | ||||
| Max cashback | ||||
| Redemption | ||||
| Things to be aware of | ||||
| Benefits |
The Ultimate Guide to Mashreq Neo Account: A Fully Digital Banking Experience
Posted onNov 22, 2024
Five Smart Ways to Manage Credit Cards in the UAE for Financial Success
Posted onOct 17, 2024
Tips for Figuring Out the Fine Print on Credit Card Offers
Posted onOct 14, 2024
Smart Ways to Slash School Fees with UAE Credit Cards
Posted onSep 20, 2024
The Future of Credit Cards in the UAE | How Fintech is Stepping Up Financial Services
Posted onSep 02, 2024
Credit Card Loyalty Rewards: How They Work and Who Foots the Bill
Posted onAug 09, 2024
Maximise Your Benefits with the Best Free-for-life Credit Cards in the UAE
Posted onJul 29, 2024
Maximise Your Savings with Best Cashback Credit Cards in Dubai
Posted onJul 26, 2024
A Comprehensive Guide to Credit Cards for Earning Emirates Skywards Miles
Posted onJul 26, 2024
Cracking the Code: Understanding Foreign Transaction Fees for UAE Travelers
Posted onJul 17, 2024
Does Using Credit Cards Lead to Increased Spending?
Posted onJul 10, 2024
Credit Card Charges in the UAE and How to Avoid them
Posted onJul 10, 2024
Smart Spending: Top Credit Card Choices for UAE Residents Earning AED 5000 Monthly
Posted onApr 30, 2024
Credit Card Eligibility in the UAE
Posted onApr 30, 2024
Understanding Eligibility for Emirates NBD Credit Cards in the UAE
Posted onApr 30, 2024
Navigating Credit Card Eligibility and Document Requirements for Citibank Cards
Posted onApr 30, 2024
Mastering Your Finances: A Comprehensive Guide to Creating a Personal Budget
Posted onFeb 07, 2024
Budget Apps: Your Path to Financial Fitness
Posted onFeb 07, 2024
Cashback on credit cards is a loyalty reward program where in banks reward you with a percentage of spend as a cashback credit. Below is an example.
A card offers you cashback of 5% on all supermarket spends and you use this card in a supermarket for AED 1,000 in a particular month.The bank will give you a credit of AED 50 (5% of AED 1,000) in your next credit card statement. This means that you have effectively saved AED 50 and your supermarket spend cost you only AED 950. Cashback credit cards can be particularly useful in helping you maximize your savings by simply using your credit card.
Cashback credit cards offer you the chance to earn cash from the money you spend, by paying you back a percentage of what you spend or giving you reward points. They only make sense if you pay off the balance in full each month and never go over your limit. Otherwise, the interest you pay will outweigh the rewards.
Banks require a minimum monthly income of AED 5000 to process an application for a credit card.
Mashreq Cashback Credit Card, Dubai First Cashback Credit Card, Rakbank Titanium Credit Card, Emirates Islamic Cashback Card and Simplylife Cashback credit cards are available for those who are earning AED 5000 per month as of November 2022.
Citibank Cashback Credit Card, Standard Chartered Cashback Credit Card, CBD Super saver credit card, Mashreq Cashback Credit Card, Dubai First Cashback Credit Card, Rakbank Titanium Credit Card, Emirates Islamic Cashback Card and Simplylife Cashback credit cards are available for those who are earning AED 8000 per month as of November 2022.
FAB Cashback Credit card, HSBC Cashback Credit Card, Citibank Cashback Credit Card, Standard Chartered Cashback Credit Card, CBD Super saver credit card, Mashreq Cashback Credit Card, Dubai First Cashback Credit Card, Rakbank Titanium Credit Card, Emirates Islamic Cashback Card and Simplylife Cashback credit cards are available for those who are earning AED 8000 per month as of November 2022.
It is important that you understand the specific features of the card before arriving upon the best credit card for a transaction. Soulwallet has reviewed the product features of the cashback credit cards available in the UAE and have listed out the strong contenders for the top spot. You can view the recommendations here.
It is important that you understand the specific features of the card before arriving upon the best credit card for a transaction. Soulwallet has reviewed the product features of the cashback credit cards available in the UAE and have listed out the strong contenders for the top spot. You can view the recommendations here.
It is important that you understand the specific features of the card before arriving upon the best credit card for a transaction. Soulwallet has reviewed the product features of the cashback credit cards available in the UAE and have listed out the strong contenders for the top spot. You can view the recommendations here.
It is important that you understand the specific features of the card before arriving upon the best credit card for a transaction. Soulwallet has reviewed the product features of the cashback credit cards available in the UAE and have listed out the strong contenders for the top spot. You can view the recommendations here.
It is important that you understand the specific features of the card before arriving upon the best credit card for a transaction. Soulwallet has reviewed the product features of the best cashback credit cards available in the UAE and have listed out the strong contenders for the top spot. You can view the recommendations here.
It is important that you understand the specific features of the card before arriving upon the best credit card for a transaction. Soulwallet has reviewed the product features of the cashback credit cards available in the UAE and have listed out the strong contenders for the top spot. You can view the recommendations here.
Banks such as FAB, RAK, EIB and SCB have a manual process of either contacting their customer service channels or raising a request through their digital channel for redeeming cashback. Citibank and HSBC cashback cards have an automatic cashback credit process where there is no need for a request to be raised by the customer.
Mashreq Cashback Credit Card, Rakbank titanium and Simplylife are free for life. However, cards such as Citibank Cashback, Emirates Islamic Cashback Credit Card, Dubai first Cashback Credit card offer a first-year waiver and reverse the fee for the second year based on a specific spend.
Soulwallet has reviewed the product features and rates of the cashback credit cards available in the UAE and have listed out the strong contenders for the top spot. You can view the recommendations here along with a comparison on rates.
No, Transactions such as Balance transfers, Local cash advances, Credit card cheques, Finance charges,all fees charged on the Card by the Bank, Transactions reversed by Merchants are not included. Some banks may offer a lower rate than the base rate for some categories. If you want to learn more click here. (Nov best cb link)
Merchant category codes (MCCs) describe a merchant's primary business activities. MCCs are used by banks to identify the type of business in which a merchant is engaged. MCCs are used to assign credit card cashback rewards for qualified purchases.For example, MCC 5812 (Eating Places, Restaurants), MCC 5814 (Fast Food Restaurants)
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
We gather this information to assist you better and track your progress with the credit card application.
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
