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 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 15,000
RATE
3.49%
ANNUAL FEE
AED 735
MINIMUM SALARY
AED 15,000
RATE
3.49%
ANNUAL FEE
AED 735
Non AED Transaction Fee
3.49%
Cash Advance Fee
3.15 % / Min 103.95
Joining Offers
The Emirates Islamic Flex Elite Credit Card is precisely that. Receive a welcome bonus equivalent to AED 750 with 75,000 EI SmartMiles upon payment of your first year annual fee. Your key to unforgettable adventures awaits!.
Begin with a generous welcome bonus of AED 750 and embark on a journey of earning rewards for all your spends. Travel worry-free with multi-trip insurance and unwind with unlimited complimentary Airport Lounge accesses for you & a guest. Discover how this card can transform your everyday into something extraordinary.
Key Features
Reward Features
Earn EI SmartMiles
Earn Upto 3.75 EI Smart Miles per AED on international transactions.
Earn Upto 2.5 EI Smart Miles per AED on local transactions.
You can redeem your EI SmartMiles
10,000 EI SmartMiles = 1,750 AirRewards by Air Arabia
10,000 EI SmartMiles = 1,500 Etihad Guest Miles
10,000 EI SmartMiles =2,500 Marriott Bonvoy Points
10,000 EI SmartMiles = 1,750 Qatar Airways Privilege Club Avios Points
10,000 EI SmartMiles = 1,000 Skywards Miles
7,500 EI SmartMiles = 5,000 Smiles
6,500 EI SmartMiles = 1,000 Upoints By Emaar
Miles will be transferred within 5 working days
Things To Be Aware Of
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 AED 500 cashback when you apply for this card by 30 June 2025 and spend AED 6,000 within the first 60 days. Available on primary cards only. You can't have a primary credit card when you apply or in the 6 months before 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 15,000
RATE
3.25%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 15,000
RATE
3.25%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Receive 10,000 bonus TouchPoints when you spend AED 10,000 each month
Key Features
Reward Features
Earn Touchpoints
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
1.99%
Cash Advance Fee
3.15 % / AED 103.95
Joining Offers
Introductory Offer:
Key Features
Reward Features
Earn dnata rewards
Things To Be Aware Of
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 99
Key Features
Reward Features
Earn RAKrewards
Monthly Spend Tier & RAKrewards earned per 1 AED:
Monthly Spend Tier & RAKrewards per 1 AED on Fuel:
Monthly Spend Tier & RAKrewards per 1 AED on Cinema:
Above AED 5,000 - 50
Redeem online, anytime against flights, hotels and range of products and services.
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 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
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
Joining Offers
AED 200 cashback joining offer ( requires a spend of AED 5000)
1. The offer is valid for only New to Bank or New to Product credit card applications from the period starting from 1st May to 31st July 2023 (“the Offer Period”).
2. Existing Standard Chartered clients currently holding any Standard Chartered issued credit cards are not eligible for the Offer.
3. The eligible credit cards are Visa Infinite, Manhattan Rewards +, Cashback, Saadiq credit cards and except X credit card.
4. Credit card applications sourced via sales representatives will not be eligible for the Offer.
5. The Bank will credit cashback to the client’s credit card statement.
6. Successful applications will receive the cashback on 31 December 2022.
7. Clients will have until 30 November 2022 to meet the spend requirement as stated in the below grid..
Key Features
Reward Features
Earn 360° Reward Points on all spends on your Standard Chartered Manhattan Platinum Credit Card
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
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
2.99%
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
Earn 1.5 ThankYou® Points per USD on all grocery & non-AED spend and 1 ThankYou® Point per USD of AED spend
With your ThankYou® Points you have the flexibility to redeem for cash rebates, merchandise, gift vouchers and many other rewarding experiences
-- Choose from merchandise ranging from apparel to electronics to home goods and more
- Pay with Points for your purchases through SMS or Citibank Online
on Citibank site
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 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
2.99%
Cash Advance Fee
3.15 % / Min 105
Key Features
Reward Features
arn 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
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 25,000
RATE
2.45%
ANNUAL FEE
AED 1499
MINIMUM SALARY
AED 25,000
RATE
2.45%
ANNUAL FEE
AED 1,499
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.00 % / Min AED99
Joining Offers
Get Joining bonus Skywards Miles of 20,000 on payment of annual fee of AED 1,499. The bonus Skywards Miles will be credited within a week of the next statement cycle. The card is also available with First year free offer without the joining bonus miles, offer is valid till 31st Jan 2023.
Key Features
Reward Features
Earn Emirates Skywards Miles on all spends
The RAKBANK Emirates Skywards World Elite Mastercard Credit Card lets you earn Skywards Miles on all types of spends. What’s more, these Skywards Miles are awarded based on total monthly spends in Dirhams to keep it simple for you.
Skywards Miles award will be reduced to 50% if spend in special categories (such as Charities, Government Services, Bill Payments, Schools, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, Supermarkets, Health & Beauty, Club Membership, Motion Pictures & Theatres, Computer Services, Automobiles & Vehicles) exceeds 50% of total spends for the month.
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 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
Key Features
Reward Features
Earn Emaar Upoints
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 5,000
RATE
3.00%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.00%
ANNUAL FEE
AED 0
Non AED Transaction Fee
0.00%
Cash Advance Fee
3.00 % / AED 200
Key Features
Reward Features
Reward yourself when you spend on your Islamic Finance House Mastercard Gold Covered Card:
3D Secure
Be assured that you are protected from any cyber theft or fraud when using your covered card online.
With encrypted One Time Passwords sent to your registered mobile phone for your online transactions, no one but you, yourself can authorize the debit of your card.
Credit Shield (Takaful) Insurance
Credit Shield (Takaful) insurance covers your card outstanding balance in the unfortunate event of Death and Total Permanent disability.
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
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
3.09%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.09%
ANNUAL FEE
AED 0
Non AED Transaction Fee
-
Cash Advance Fee
3.00 % / AED 200
Key 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
2.20%
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 12,000
RATE
3.85%
ANNUAL FEE
AED 999
MINIMUM SALARY
AED 12,000
RATE
3.85%
ANNUAL FEE
AED 999
Non AED Transaction Fee
2.99%
Cash Advance Fee
3.00 % / AED 105
Joining Offers
Promotion validity: 1 January 2024 to 31 March 2024. (Offer is valid for cards issued between the above dates)
Key Features
Reward Features
Earn Smiles points on every AED spent:
Redeem Smiles points:
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 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
2.99%
Cash Advance Fee
3.00 % / Min AED 99
Key Features
Reward Features
The Citi Simplicity card does not include any sort of rewards program. While it is certainly a great option for paying down debt.
Things To Be Aware Of
on Citibank site
MINIMUM SALARY
AED 10,000
RATE
3.69
ANNUAL FEE
AED 630
MINIMUM SALARY
AED 10,000
RATE
3.69
ANNUAL FEE
AED 630
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Get AED 500 cashback when you apply for this card by 30 June 2025 and spend AED 6,000 within the first 60 days. Available on primary cards only. You can't have a primary credit card when you apply or in the 6 months before applying.
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 % / 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
3.69%
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
3.69%
ANNUAL FEE
AED 0
MINIMUM SALARY
AED 5,000
RATE
3.69%
ANNUAL FEE
AED 0
Non AED Transaction Fee
2.10%
Cash Advance Fee
3.15 % / AED 105
Joining Offers
Enjoy a Welcome Bonus of AED 500 as talabat credit when you sign up for the card.
Important note:
Key Features
Reward Features
Earn talabat credit every time you spend using the card as per below:
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 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
Key Features
Reward Features
The Total Monthly Spend Tiers for ENOC/EPPCO Service Station Spends and Other Spends are categorized as follows:
- For spends between AED 0 to AED 2,499, customers receive 3% back (equivalent to 3 Yes Rewards) per 1AED spend, with a maximum cap per month of AED 75 (7,500 Yes Rewards). Additionally, they can earn up to 1% back (up to 1 Yes Reward Point) on other spends within this tier.
- For spends between AED 2,500 to AED 9,999, customers receive 10% back (equivalent to 10 Yes Rewards) per 1AED spend, with a maximum cap per month of AED 125 (12,500 Yes Rewards).
- For spends exceeding AED 10,000, customers receive 15% back (equivalent to 15 Yes Rewards) per 1A
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
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
3.00 % / 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 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.
on Liv Bank site
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
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 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.
on Liv Bank site
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 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.
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
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).
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)
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)
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)
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.
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.)
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.
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).
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.
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.
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.
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.
Below is a table comparing the features of the top cashback credit cards:
|
Sr.no |
Credit Card |
Cashback Rate |
Categories |
Annual Fee |
Minimum Salary |
Additional Benefits |
|
1 |
Mashreq Cashback |
Up to 5% |
Groceries, Fuel, Dining |
AED 0 |
AED 5,000 |
Travel perks, No forex fee |
|
2 |
Citi Cashback |
Up to 3% |
Groceries, Intl Spend, Others |
AED 0 (1st yr), AED 300 |
AED 88,000 |
Complimentary lounge access |
|
3 |
ADCB 365 Cashback |
Up to 6% |
Dining, Groceries, Utilities |
AED 0 (1st yr), AED 383.25 |
AED 8,000 |
Free movie ticket |
|
4 |
FAB Cashback |
Up to 5% |
Groceries, Fuel, Dining |
AED 300 |
AED 5,000 |
Lounge access, Travel insurance |
|
5 |
Emirates Islamic Cashback Plus |
Up to 10% |
Supermarket, Education, Dining |
AED 299 |
AED 5,000 |
Lounge access, Golf, Valet parking |
|
6 |
Emirates Islamic Switch Cashback |
Up to 8% |
Multiple broad categories |
AED 0 |
AED 5,000 |
Lounge, Golf, Valet, Travel insurance |
|
7 |
CBD Super Saver |
Up to 10% |
Groceries, Fuel, Education, Bills |
AED 0 (1st yr), AED 400 |
AED 5,000 |
Cinema discounts, Lounge, Valet |
|
8 |
RAKBANK Titanium |
Up to 50% |
Dining, Supermarkets, Entertainment |
AED 0 |
AED 8,000 |
Free global lounges, Streaming perks |
|
9 |
HSBC Live+ Cashback |
Up to 6% |
Dining, Fuel, Education, Others |
AED 299 |
AED 5,000 |
Cinema BOGO, Lounge, Welcome bonus |
|
10 |
DIB Consumer Cashback Platinum |
Up to 4% |
Groceries, Fuel, Utilities, Education |
AED 199 |
AED 15,000 |
Roadside assistance, Travel cover |
|
11 |
Standard Chartered Simply Cash |
Up to 2% |
All purchases |
AED 0 (1st yr), AED 525 |
AED 8,000 |
Lounge access, Careem & coffee offers |
|
12 |
Standard Chartered Simply Cash |
Up to 4% |
Groceries, Fuel, Education, Dining |
AED 99 |
AED 5,000 |
Roadside assistance, Travel protection |
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.
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
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.
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.
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.
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.
Soulwallet gives honest comparisons so you can pick the best cashback card in the UAE.
You get full details about what each card offers and how it works.
New users will find browsing the website straightforward regardless of their experience with online tools.
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.
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.
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.
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.
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.
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.
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.
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.
Both the Citi Cashback Card and Mashreq Cashback Card perform effectively for general shopping needs. International purchases yield up to 3 percent cashback whereas local spending earns between 1 and 2 percent. The ADCB 365 and FAB Cashback Islamic cards provide higher cashback rates for supermarket spending. These are some of the top cashback credit cards in the UAE that reward daily spending.
Yes. Certain cards never require payment of an annual fee while others remove this fee during the initial year. The Mashreq Cashback card alongside Emirates Islamic Switch Cashback and RAKBANK Titanium card stand out as top picks because they do not require ongoing fees. If you are searching for the best cashback credit cards, these can offer strong long-term savings.
Yes. Both UAE nationals and expatriates can get these cards by fulfilling basic requirements related to age, income, and residency. Top cashback credit cards in the UAE providers offer inclusive options for expats with standard income thresholds.
Cashback rewards get automatically added to your monthly card statement in most cases. Customers can manually redeem their cashback rewards via online banking or through mobile banking platforms with some financial institutions. Some credit cards provide cashback rewards as points which users can exchange for cash or vouchers. Always check the terms to understand how cashback credit cards work before choosing.
The HSBC Live+ Cashback Card provides 5 percent cashback when you purchase fuel. Fuel purchases and Salik transactions earn 3 percent back when you use the ADCB 365 Cashback Card. If you drive often both credit cards represent excellent options among the best cashback credit cards in the UAE.
Yes. Multiple cards present cashback rewards of five percent or higher for certain types of purchases. The FAB Cashback Islamic Card provides users with a 5 percent cashback benefit when they shop for groceries, dine out, or purchase fuel. The ADCB 365 Cashback Card provides a maximum of 6 percent cashback for dining expenses. The CBD Super Saver card provides up to 10 percent cashback based on your total expenditure, making them top cashback credit cards for high earners.
Most customers utilize cashback rewards to lower their credit card balances. Customers can convert their cashback into actual cash or deposit it directly into their account through certain banking services. Some banks only allow cashback to be applied towards bill payments or voucher purchases. Best cashback credit card in the UAE with flexible redemption options can be useful in this case.
No. The government of the UAE does not impose taxes on cashback rewards. Because the UAE doesn't impose personal income tax, all cashback earnings remain fully yours. This makes owning a top cashback credit card in the UAE even more rewarding, as the savings are entirely tax-free.
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FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
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FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
