Cashback credit cards are simple to understand. When you spend money through cashback credit cards you receive a portion of that expenditure back to you. The cashback can apply to your shopping expenses including groceries as well as fuel purchases and online orders. These small amounts build up to create substantial savings eventually. That is why the best cashback credit cards in the UAE are now being chosen more than ever.

Cashback credit cards have gained widespread popularity throughout the United Arab Emirates. The increasing expenses for basic needs such as food and fuel along with school fees are leading to more careful spending habits among people. These cards help ease that pressure. The rewards match how people actually spend. You receive additional cashback when you make local purchases as well as during international travel and online shopping. For most users, this is what makes top cashback credit cards so effective in daily life.

Your cashback increases with your spending level on certain cards. Certain cards provide unrestricted cashback redemption through a straightforward process. These cards provide immediate value because many feature no annual fee while others give a welcome bonus. If you want to understand how cashback credit cards work, these examples show how easy and flexible they can be.

When daily living expenses are substantial people should choose a credit card that offers rewards for every use. Top cashback credit card in the UAE gives you a chance to earn money back without changing your usual spending.

List of Top 12 Cashback Credit Cards in the UAE

1. Mashreq Cashback Credit Card

2. Citi Cashback Credit Card

3. ADCB 365 Cashback Credit Card

4. FAB Cashback Islamic Credit Card

5. Emirates Islamic Cashback Plus Credit Card

6. Emirates Islamic Switch Cashback Credit Card

7. Commercial Bank of Dubai Super Saver Card

8. RAKBANK Titanium Cashback Credit

9. HSBC Cashback (Live+) Credit Card

10. Dubai Islamic Bank Consumer Cashback Card

11. Standard Chartered Platinum Simply Cash Credit Card

12. ADIB Visa Cashback Card

1. Mashreq Cashback Credit Card (Mashreq Bank)

Cashback : Up to 5% cashback on every spend – specifically 5% on dining (both local and international), 2% on other international spends, 1% on other local spends, and 0.33% on government, utility, fuel, rental, telecom, etc.No minimum spend is required to earn cashback.

Annual Fee : AED 0 (free for life) – no annual membership fee for primary or supplementary cards.

Min. Salary : AED 5,000 monthly income recommended.

Notable Benefits : Being one of the best cashback credit cards, the Mashreq Bank credit card comes with unlimited cashback with no cap on earnings (cashback is auto-credited once you accumulate AED 100). New customers get a welcome bonus of AED 500 for spending AED 5,000 in the first 2 months. The card also includes complimentary airport lounge access and other lifestyle discounts. (Conventional card).

2. Citi Cashback Credit Card (Citibank)

Cashback : The cashback system rewards users with 3% cashback for foreign currency purchases except AED while supermarkets and grocery shopping earn 2% cashback and all different purchases receive 1% cashback. Users can earn unlimited cashback for any purchase category until they reach their credit limit.

Annual Fee : This card carries no annual fee during the first year but charges AED 300 for each year after that. The annual fee is eliminated for users who maintain a minimum annual spending of AED 9,000 (which is about AED 750 per month).

Min. Salary : AED 8,000 monthly income required

Notable Benefits : You receive cashback automatically without any redemption steps since it gets added to your monthly statement. The card stands as one of the top cashback credit cards in UAE by giving complimentary lounge access at over 1,100 airports worldwide and two free airport transfer rides per year. There’s also a welcome bonus (e.g. Customers receive AED 150 statement credit as a bonus after fulfilling a specified spending requirement alongside multiple dining and entertainment discounts. (Conventional card)

3. ADCB 365 Cashback Credit Card (Abu Dhabi Commercial Bank)

Cashback : Tiered rates covering everyday spending: 6% on dining (including food delivery), 5% on groceries, 3% on utilities, telecom bills, fuel and Salik (toll) payments, and 1% on all other retail spends (including any international spend not in the above categories)This broad spread means almost all purchase categories earn some cashback.

Annual Fee : Free for the 1st year, then AED 365 + VAT (≈AED 383.25) from the second year The annual fee is effectively waived in subsequent years if you use the card well, because spending just AED 5,000 per year triggers a waiver (as per current promotions) – check current terms.

Min. Salary : AED 8,000 monthly income is required

Notable Benefits : A minimum spending requirement of AED 5,000 per month to unlock the higher cashback rates. If you spend below AED 5k in a month, cashback for that month won’t apply, so this card is best for active users. You can earn up to AED 1,000 cashback per month (that’s the cap), which is relatively high. New cardholders enjoy a welcome bonus of AED 365 (credited for spending AED 5,000 in the first 45 days). Additional perks include “Buy 1 Get 1 Free” VOX cinema tickets (up to 4 per month), discounts on hotel bookings, and more. (Conventional card)

4. FAB Cashback Islamic Credit Card (First Abu Dhabi Bank)

Cashback : 5% on major everyday categories (grocery/supermarket shopping, dining out, and also fuel purchases), 3% on all international spends (non-AED transactions), and 1% on all other retail spends. These rates apply from Dirham One (no minimum spend per month).

Annual Fee : AED 300 (annual). FAB often waives the first-year fee as a promotion – check if a first-year free offer is available.

Min. Salary : AED 5,000 monthly income required.

Notable Benefits : Cashback from the 5% categories is typically capped at AED 200 per category per month (e.g. max AED 200 from groceries, AED 200 from dining, etc.), and an overall maximum of AED 1,000 cashback per month across all categories applies. The card has attractive perks like free global airport lounge access (over 1000 lounges), travel/accident insurance, and purchase protection. It’s an Islamic (Sharia-compliant) card, so it uses a profit rate (around 3% monthly) instead of interest. Cashback is easily redeemed via the FAB mobile app (it’s credited as FAB Reward points equivalent to cash)

5. Emirates Islamic Cashback Plus Credit Card (Emirates Islamic Bank)

Cashback : Up to 10% cashback on key expense categories – namely supermarket spends, education/school fees, dining, and telecom bills. The 10% rate is awarded tiered: spending above AED 17,500 in a month yields 10% in those categories, and lower spending tiers yield 5% or 3%. No category cashback is earned if your total monthly spend is below AED 3,000. This card rewards heavy usage – e.g. AED 10k+ monthly spend unlocks 5% cashback in those categories, and max 10% at the highest tier.

Annual Fee : AED 299 (standard yearly fee). Frequently, the first-year fee is waived as an incentive. Supplementary cards are free.

Min. Salary : Not officially specified, but typically around AED 5,000 monthly is expected for this card.

Notable Benefits : Monthly cashback is capped at AED 200 for this card (across all categories), so even at 10%, you max out when you hit AED 2,000 in monthly spends. Cashback accrues as points (Cashback Plus points) that can be redeemed easily via online or mobile banking. This Islamic card comes packed with premium perks: unlimited airport lounge access worldwide, two free golf rounds per month, and 1 complimentary valet parking per month. It also has an embedded RTA Nol chip for transit payments, though the dedicated RTA card (below) might suit commuters better.

6. Emirates Islamic Switch Cashback Credit Card (Emirates Islamic Bank)

Cashback : Up to 8% cashback on all spending is a uniquely broad cashback program. “Switch” gives high cashback across various categories, including education fees, telecom bills, utility bills, real estate payments, dining, supermarkets, airline tickets, hotel bookings, and more. The maximum cashback rate of 8% is available across almost all spending categories if specific conditions are met which probably depend on spending tiers like Cashback Plus does.

Annual Fee : The Switch card remains free of an annual fee throughout its lifetime which enhances its  cost attractiveness.

Min. Salary : AED 5,000 monthly income required (as a free-for-life card, it’s aimed at a broad customer base)

Notable Benefits : This Islamic card has privileges: free unlimited airport lounge access globally, 2 free golf rounds each month, complimentary multi-trip travel insurance, purchase protection, extended warranty, and even free valet parking services. It’s marketed as a “cashback credit card” that is free for life, meaning you can maximize rewards without worrying about an annual fee. (Check Emirates Islamic’s terms for any cap or tier on the 8% cashback; the generous rate likely requires substantial spending or is capped per category.)

7. Commercial Bank of Dubai Super Saver Card (CBD – Al Islami Super Saver)

Cashback : Up to 10% cashback on everyday essential spending. The Super Saver targets four categories: groceries/supermarkets, education/school fees, utility bill payments (incl. telecom), and fuel/transport. Your monthly spend tiers the cashback:

Spend AED 3,000–9,999 in a month to get 3% cashback in those categories (with a max of AED 75 per category, total up to AED 300/month)

Spend AED 10,000–19,999 to get 5% cashback (max AED 100 per category, up to AED 400 total)

Spend AED 20,000+ to earn 10% cashback (max AED 150 per category, up to AED 600 monthly). Outside those categories, purchases do not earn cashback – the card is focused on the four spend areas above.

Annual Fee : Free for the first year and AED 400 from the second year onward. (Islamic version of the card is often branded “Al Islami” and follows a profit-rate model).

Min. Salary : AED 5,000 monthly income is required to be eligible

Notable Benefits : You must spend at least AED 3,000 monthly to qualify for any cashback.

The Super Saver Card comes with a host of perks: 50% off cinema tickets (up to 4 tickets per month across VOX, Reel, Novo cinemas), 2 monthly free valet parking, up to 8 free airport lounge visits via Lounge Key, complimentary golf sessions, and free travel insurance. It’s a Sharia-compliant card (Islamic), so no interest is charged – instead, fees/or profit rates apply. Redemption is easy through CBD’s app once you accumulate at least AED 50 cashback.

8. RAKBANK Titanium Cashback Credit Card (RAKBANK)

Cashback : 5% cashback on dining and restaurant spending worldwide, 5% on supermarket and grocery spending worldwide, and a massive 50% cashback on entertainment – specifically movie theater tickets (and even video streaming subscriptions). Additionally, the card gives up to 2% standard cashback on all other retail spending. The structure is a bit unique:

To earn the 5% and 50% rates, you must spend at least AED 5,000 per month (recently revised from AED 2,000). If you meet this threshold, you get 5% on dining/groceries and 50% on cinema/streaming, capped at AED 100 cashback each for supermarkets, dining, movies, and streaming (total AED 400 cap for those categories)

“Standard” cashback on all other purchases is 1% if you spend up to AED 14,999 monthly or 2% on the portion of spends above AED 15,000. Standard cashback has its cap of AED 200 (AED 100 for regular retail + AED 100 for contactless e-wallet spends). The maximum cashback you can earn in a month is AED 600 (AED 400 category + AED 200 standard).

Annual Fee : AED 0 (Free for life) – no annual fee at all

Min. Salary : AED 8,000 monthly income required

Notable Benefits : This card is popular for its no-annual-fee and generous rewards. It also includes complimentary airport lounge access, travel insurance, purchase protection, and extended warranty coverage. Remember the monthly spend requirement: if you don’t hit the minimum (e.g., AED 5k), the high category cashback rates won’t apply, and you’d default to 0.5% on those spends – so use this card for substantial monthly expenses to maximize its value. (Conventional card).

9. HSBC Cashback (Live+) Credit Card (HSBC)

Cashback : Generous rates in select categories per monthly statement cycle: 6% on dining (restaurants, takeout, food delivery), 5% on fuel spends, 2% on groceries, education, and entertainment transactions. On all other spends, and in any month you don’t meet the threshold, it gives a flat 0.5% cashback. To earn the higher 6%/5%/2% rates, you must spend at least AED 3,000 in the month– otherwise, all your spending earn 0.5%. Each bonus category has a monthly cap: for example, 6% dining cashback is capped at AED 200 (so spending above ~AED 3,334 on dining in a month won’t earn above that), likewise AED 200 cap for fuel, and AED 200 each for groceries, education, and entertainment. One billing cycle capped cashback is AED 600 across those categories.

Annual Fee : AED 299 (Annual fee is often waived for the first year, and HSBC will waive the subsequent year’s fee if you meet a minimum annual spend, e.g. ~AED 25k – check their latest policy).

Min. Salary : AED 5,000 monthly income required (HSBC also requires salary transfer or a relationship account for some applicants).

Notable Benefits : The HSBC “Live+” card has 12 complimentary lounge visits per year (Priority Pass access) for the primary cardholder. It also offers “Buy 1 Get 1 Free” movie tickets each month, discounts on travel bookings, and frequent dining offers (HSBC’s Entertainer app deals, etc.). New customers can get a welcome bonus of AED 500 cashback upon spending AED 6,000 in the first 60 days. This is a conventional card (interest rate ~3.69% per month on purchases). It’s excellent if your spending aligns with the bonus categories and consistently exceeds the AED 3k monthly threshold; otherwise, the 0.5% base rate is modest.

10. Dubai Islamic Bank Consumer Cashback Card (DIB Platinum)

Cashback : Customers receive 4% flat cashback on multiple daily categories including grocery purchases and supermarket shopping as well as fuel expenses and car maintenance services together with utility payments for DEWA and AADC. ), telecom bills (Du/Etisalat), and school fees. Categories not listed (e.g. general retail, dining, travel) typically do not earn cashback on this card, so it’s focused on household bills and essentials. The cashback is subject to monthly caps per category: e.g. up to AED 400 per month from groceries, AED 400 from car servicing, AED 150 from telecom bills, AED 150 from fuel, etc., with an overall maximum of AED 1,000 cashback per billing cycle

Annual Fee : AED 199 per year (sometimes discounted or waived for new customers in the first year).

Min. Salary : AED 15,000 monthly income required. (This card is a premium Islamic card, hence the higher income bar; DIB has other cards for lower incomes.)

Notable Benefits : Cashback is awarded as Wala’a Rewards points (the bank’s loyalty program), which can be redeemed toward your card bill or other redemptions via online banking. As an Islamic card, it charges profit rates (~3.69% per month) instead of interest. Benefits include free roadside assistance, complimentary travel inconvenience insurance, and purchase protection. It lacks some competitors' lounge access, but it provides solid cash savings for families, especially if you have supermarket or school fee expenses that can hit the caps.

11. Standard Chartered Platinum Simply Cash Credit Card (SCB)

Cashback : 1% cashback on all local AED currency purchases and 2% on all international (non-AED) purchases. The beauty of this card is its simplicity and breadth – all spending earns cashback at a decent flat rate, regardless of category, with no special spending requirements. There is a generous monthly cashback cap of AED 1,000 (which is hard to hit unless you spend over AED 100k in a month), effectively making it unlimited for everyday use.

Annual Fee : It is Free for the first year and AED 525 from the second year onward. The fee can be waived each year by spending at least AED 9,000 annually on the card—a very attainable threshold (just AED 750/month), so most cardholders end up paying no fee.

Min. Salary : AED 8,000 monthly income required

Notable Benefits : This is a conventional credit card with interest (around 3.45% - 3.75% monthly). It comes with some valuable perks: complimentary airport lounge access (through the Mastercard Lounge Key program) at many airports, 20% off Careem rides (ride-hailing), and various “Buy 1 Get 1 Free” offers (e.g. at Costa Coffee and other outlets). The Simply Cash is great for those who want a straightforward, general-purpose cashback card without category restrictions – just use it for everything and get 1% back (2% when traveling). It’s especially valuable if you prefer one card for all spending and want to avoid annual fees via the spend waiver.

12. ADIB Visa Cashback Card (Abu Dhabi Islamic Bank)

Cashback : 4% cashback on five major spending categories: Supermarket/Grocery, Fuel & automotive, School/Education fees, Dining & Restaurants, and Utility bills. These cover a large portion of typical household expenses. Each category has a monthly cashback cap:

Groceries : up to AED 300 cashback/month (i.e. 4% of up to AED 7,500 spend)

Fuel/Automobile : up to AED 300 (4% of up to AED 7,500 spend)

Education : up to AED 300

Dining : up to AED 200

Utilities : up to AED 100

The maximum total cashback you can earn in a month is AED 1,000. That excess spend earns no cashback if you spend beyond the cap in any category. Notably, all other purchases (outside these categories) do not earn cashback, as this card is designed to reward daily essentials.

Annual Fee : AED 99 (annual). This is relatively low. Additionally, ADIB often runs promotions waiving the first-year fee or offering it free-for-life to priority customers. You also get four supplementary cards free (a fee applies only from the 5th supplementary card)

Min. Salary : Typically AED 5,000 monthly income for ADIB cards (not explicitly stated on ADIB’s site for this card, but it’s aimed at mass affluent customers).

Notable Benefits : This card is Sharia-compliant (Islamic); it’s a covered card with a security deposit but functions like a regular credit card with a profit rate (~3.75% per month) instead of interest. Cashback is given as a statement credit each month. No minimum spend is required to earn cashback – even small purchases in those categories will get 4% back. The card also features free roadside assistance (one use per year), up to 100% of your credit limit available as cash withdrawal (for emergencies), and usual travel accident takaful (insurance) and purchase protection. With its very low annual fee and high cashback on everyday bills, the ADIB Cashback credit card offers one of the best value propositions for practical spending, especially for families.

Comparison Table of Top Cashback Credit Cards in UAE

Below is a table comparing the features of the top cashback credit cards:

Eligibility Criteria for Top Cashback Credit Cards in 2025

While each UAE bank establishes its own credit rules they commonly use a unified checklist. Banks consider specific criteria when you apply for a top cashback credit card in the UAE.

Eligibility Criteria

Minimum Age : Applicants must be at least 21 years old to submit an application.

Minimum Salary Requirement : To apply for a top cashback credit card you must earn at least AED 5,000 each month. Credit card requirements increase based on the type of card and the issuing bank.

Employment Status : To apply you must be salaried or self-employed but need to demonstrate a steady income. The paperwork depends on which group you fall into.

Credit Score : A solid credit score is needed, based on your record with the Al Etihad Credit Bureau.

Residency Status : You must be living in the UAE.

Documents : Be ready to submit a copy of your valid passport, Emirates ID, salary certificate or income proof, and your latest bank statements (usually from the past two to three months).

Debt Burden Ratio (DBR) : The Central Bank of the UAE requires that your total monthly debt payments don’t go over 50% of what you earn. This includes loans and credit cards.

Security Cheque : Some banks might ask for a security cheque equal to your credit limit. This serves as collateral.

Supplementary Cards : Most banks let you get extra cards for family members. These usually don’t need much extra paperwork.

Promotional Offers: A few cards include special cashback deals if you meet certain spending requirements in a set time. For instance, HSBC offers AED 500 cashback if you apply by June 30, 2025, and spend AED 6,000 within the first 60 days

Documents Required for top cashback credit card?

When you apply for the best cashback credit card in the UAE you will generally need to provide several important documents. The list depends on your employment status.

Salaried Individuals

Emirates ID : You need to present a clear valid copy of your Emirates ID for identification.

Passport Copy and Visa Page : Expatriates must provide their passport information and visa details to banks to establish their residency status.

Salary Certificate : This should come from your employer.  It helps show proof of your income.

Bank Statements : Banks typically request copies of your bank statements from the past several months which ranges between three to six months. Bank statements assist in demonstrating both your income level and your financial behavior patterns.

Address Proof : Banks often request recent utility bills or tenancy contracts to confirm your place of residence.

Banks require these standard documents but additional paperwork may be necessary based on your specific circumstances.

Self-Employed Individuals

Emirates ID: Identification requires submission of a valid Emirates ID copy.

Passport Copy and Visa Page : Expatriates must present passport copies with visa pages to establish their residency status.

Salary Certificate : Income proof may still be requested by some banks for salaried applicants despite being a general requirement.

Bank Statements : When submitting these documents it is necessary to provide your business bank statements from the past six months. The documents provide evidence for your business operations and financial earnings.

Trade License : Self-employed people need to show an active and registered Trade License to establish their business's legality.

Address Proof : Your residential address needs validation through a utility bill or tenancy agreement submission to banks.

How to Apply for a Cashback Credit Card in the UAE via Soulwallet?

Getting the best cashback credit card in the UAE is simple when you use Soulwallet. The platform helps you pick the right card based on how you spend and what you need.

Step 1: Visit the Soulwallet Website

Go to www.soulwallet.com to begin your search. Many credit cards are available for comparison on the website. A variety of cards come with no annual fees while others provide travel rewards and several offer generous cashback rates.

Step 2: Use the Comparison Tools

Soulwallet assists users in choosing credit cards that meet their specific financial needs. Users can organize available credit cards by reviewing both their cashback rates and yearly fees as well as minimum income requirements. The tools enable users to pick credit cards that suit their lifestyle choices and spending patterns.

Step 3: Review Detailed Card Information

Soulwallet presents each credit card with explicit information for users to review. The platform displays both card fees and benefits along with eligibility criteria for applicants. You receive full details so that you understand exactly what you are agreeing to when you sign up.

Step 4: Apply Directly Through the Platform

Soulwallet allows you to complete your card application directly on their website after making your card selection. The steps are simple. Your details are kept safe while you complete the form.

Why Choose Soulwallet?

• Fair Suggestions

Soulwallet gives honest comparisons so you can pick the best cashback card in the UAE.

• Clear Information

You get full details about what each card offers and how it works.

• Easy to Use

New users will find browsing the website straightforward regardless of their experience with online tools.

• Safe Process

The application process ensures the security of your personal information.

Through Soulwallet you can quickly discover a cashback credit card that matches your financial objectives. You experience reward benefits through stress-free enjoyment.

How Cashback Credit Cards Work?

Cashback credit cards are easy to understand. You spend money, and a part of it comes back to you. That return is called cashback.

Each time you use a cashback credit card in the UAE, you earn a small percentage of what you spend. This percentage is different for different things. You might get 5 percent back on groceries, 3 percent on fuel, and 1 percent on other purchases. The cashback depends on how the bank has set up the card.

Most top cashback credit cards in the UAE also have rules.To receive the highest cashback you must meet a minimum monthly spending requirement. The typical threshold for maximum cashback stands at AED 3,000 or higher. When your monthly spending falls below that amount the cashback either reduces or becomes invalid.

There are also limits on how much cashback you can earn each month. For example, even if a card offers 10 percent cashback on dining, you may only get it on the first AED 2,000 spent. After that, you stop earning cashback in that category for the rest of the month.

Some cards give the cashback directly on your statement. Others give it as points. Later these points can be exchanged for cash or bill discounts and gift vouchers.

You will maximize your value by thoroughly understanding top cashback credit card operations. Review the expenses that qualify for cashback rewards and understand the amount you can earn and the method by which you receive the cashback. Select a credit card that corresponds with your common expenses. You will accumulate more savings effortlessly through this approach.

Factors to Consider When Choosing the Best Cashback Credit Card in UAE

The initial attractiveness of cashback rates should not be your only consideration when selecting a credit card. Before submitting your application, review these critical points first. You’ll find many top cashback credit cards in the  UAE that offer good value once you look deeper.

• Cashback Percentage and Categories

The cashback system operates differently on each card. Some give more when you spend on groceries, fuel, or eating out. Others include things like school fees or utility bills. Take a look at where you spend most. A card that gives 10 percent back on education won't help much if you don’t have school payments. This is where knowing how cashback credit cards work helps you decide.

• Annual Fees and Hidden Charges

Some cards don’t charge an annual fee, others only waive it for the first year. A few let you skip the fee if you spend enough each month. Be sure to read the fine print. Fees from delayed payments and foreign transactions along with overspending on your credit limit diminish your rewards fast when you aren’t careful. Many of the best cashback credit cards in the market come with clear fee structures.

• Minimum Spending Requirements

Several credit cards require you to use them for a minimum monthly amount to achieve the highest cashback rates. This usually falls somewhere between 3,000 and 5,000 dirhams. If you don’t hit that mark, your cashback might drop to a very low rate, or you could lose out on specific category rewards. Choose a card that fits your usual spending so you’re not stretching just to qualify. Best cashback credit cards in the UAE options highlight this clearly in their terms.

• Redemption Process and Limits

Some cards add the cashback straight to your account. Others give you points that you can turn into vouchers, cash, or bill credits. Find out how the redemption works. Is there a minimum amount you need before you can redeem? Do points expire? The easier it is to use your cashback, the better. The best cashback credit cards in the UAE often have simple and user-friendly redemption systems.

• Additional Perks

Many cashback cards include extras. You might get airport lounge access, free valet parking, buy-one-get-one movie tickets, golf access, travel insurance, or help if your car breaks down. These benefits can make a card more valuable, especially if it charges a yearly fee and you know you’ll actually use the perks.