+971

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 314

  • Golf offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty
  • Up to 5% cashback on your spend
  • 'Buy 1 Get 1 Free' tickets at Vox Cinemas
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • No annual fee for the 1st year

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

  • Earn upto AED 800 on cashback as joining bonus.
  • No annual fee of for the first year and it'll be waived from the second year onwards, subject to you meeting a minimum spend of AED 12,000
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • 12 complimentary visits a year to 1,000+ airport lounges
  • 10,000+ ‘Buy 1-Get 1 Free’ offers across dining, leisure, retail and wellness with the HSBC ENTERTAINER app
  • International concierge service for luxury travel planning and access to exclusive events
  • Buy 1-Get 1 Free’ tickets per month at VOX and Roxy cinemas in the UAE
  • Complimentary travel inconvenience and travel medical insurance for trips booked with your card
  • Discounts at hundreds of dining outlets across the UAE with I Love Dining program
  • Home&Away program with offers on shopping, dining and entertainment at thousands of outlets worldwide
  • Hundreds of 0% Flexi Instalment Plans and partners' discount offers across UAE
  • Protection against unauthorised or fraudulent use of your card
  • Buyers protection by Visa

Reward Features

Earn Cashback on ALL spends:

  • Earn 5% cashback on all fuel spends in the UAE (max AED 200 p.m.)
  • Earn 2% cashback on all supermarket in the UAE (max AED 200 p.m)
  • Earn 2% cashback on education spends in the UAE (max AED 200 p.m)
  • Earn 0.5% cashback on all other spends (no max cap)
  • Cashback will be automatically credited to your statement every month.

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.

Apply Now

on HSBC site

MINIMUM SALARY

AED 12,000

RATE

3.49

ANNUAL FEE

AED 0

  • Golf offers
  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Airport Lounge Access
  • You’ll get two cards - a Diners Club and a Mastercard credit
  • Unlimited complimentary airport lounge access across the wor
  • Complimentary access to top golf courses across the UAE
  • 5% on grocery, electronics, utilities, education and fuel
  • Exclusive for Abu Dhabi residents

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

  • You’ll get two cards - a Diners Club and a Mastercard credit card so you can benefit from the offers from both. Below are some of the key features.
  • Buy 1 get 1 movie ticket free offer on Royal Cinemas:
  • Minimum monthly spend of AED 5,000 is appliable to avail this offer
  • Cardholders can redeem up to 3 tickets per month
  • Service charges of AED 125/- + VAT will be applicable if minimum monthly is below AED 5,000
  • Unlimited complimentary airport lounge access across the world
  • Concierge services to take care of your time-consuming errands
  • Complimentary access to top golf courses across the UAE
  • With your Diners Club and Mastercard credit cards, you can enjoy a relaxing day with complimentary* access to the top 5 golf courses across the UAE
  • Trump International Golf Course
  • Arabian Ranches Golf Club
  • Jebel Ali Golf Course
  • Abu Dhabi Golf Club
  • Sharjah Golf & Shooting Club
  • A processing fee of AED 30 per booking and no-show fees apply. Charges vary from course to course.
  • Valet Parking at selected locations in Abu Dhabi
  • 0% Easy Payment Plans at select Merchant Outlets
  • Utility bill payments facility
  • Use both your Diners and Mastercard credit card to gain access to over 300 airport lounges across the Middle East and over 1000 lounges across the world.
  • Mastercard lounge access
  • Indulge in over 25 regional and international LoungeKey, marhaba and CAC lounges across the UAE, Saudi Arabia, Jordan, Kuwait, Egypt, Morocco, USA, UK, Canada, Germany, France, Singapore and more, no matter which airline or airline class you're travelling in. Simply present your Mastercard credit card at any participating LoungeKey Program airport lounge and enter immediately. Supplementary cardholders can use this benefit too.
  • Enjoy unlimited complimentary visits for self. Additional guests will be charged extra.|
  • Diners Club lounge access
  • Diners Club lounge access
  • Diners Club lounge access
  • Indulge in over 1,000 comfortable premium lounges in more than 300 cities worldwide. Simply present your Diners Club card at any participating airport lounge and enter immediately, no matter which airline or airline class you're travelling in. Supplementary cardholders can use this benefit too.
  • Enjoy unlimited complimentary visits for self*. Additional guests will be charged extra.*Minimum spend criteria applies.
  • Introducing the new Credit Shield Pro, our enhanced insurance product, underwritten by Abu Dhabi National Insurance Company, that brings you even more benefits and extended coverage.
  • Key features
  • 0.99% monthly fee of your card's outstanding balance
  • Up to AED 300,000 decease cover per cardholder
  • AED 100 pay out per day in case of hospitalization
  • Up to AED 60,000 job loss cover for up to 12 months or until re-employment

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 8,000

RATE

3.5%

ANNUAL FEE

AED 0

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • No caps, no minimum spend, no redemption process & no spend
  • 3% on non AED spend | 2% on Grocery Spend | 1% on all Other
  • Unlimited access to 1000+ lounges worldwide
  • No Annual Membership Fee (AMF) subject to spend*
  • Airport Transfers: 2 rides per year

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

  • No Annual Membership Fee (AMF) subject to spend*
  • Automatic cash back on all purchases, with no minimum spend:
  • 3% on Non-AED spend
  • 2% on Grocery Spend
  • 1% on all other spend
  • No caps (up to the credit limit each month), no redemption process and no spend categories excluded
  • Airport Lounges: Unlimited access to 1,100+ lounges worldwide for primary & supplementary cardholders with MasterCard Travel Pass app
  • Airport Transfers: 2 rides per year (up to AED 110 each) using code "MAUAE2“ on the Careem app
  • Talabat: 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
  • No AMF for year 1. AMF waived for year 2 onwards subject to min AED 9,000 spend in previous 12 months, otherwise AED 300 fee applies

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

  • 2nd year Annual Fee of AED 300 if annual spend < AED 9,000
Apply Now

on Citibank site

MINIMUM SALARY

AED 5,000

RATE

3.69%

ANNUAL FEE

AED 314

  • Golf offers
  • Valet Parking
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Up to 8% cashback on your spends
  • Unlimited complimentary access to over 1000+ airport lounges
  • Switch between Lifestyle or Travel category any month
  • Two rounds of complimentary golf per month
  • 20% discount on the below Emaar Entertainment Attractions

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

  • Rewards – Up to 8% Cashback on your spends.
  • Lifestyle – 4% Cashback on Supermarkets, Dining & Education with 8% Cashback on Fuel.
  • Travel - 4% cashback on Airlines, Hotels & Dining.
  • 2 "Buy 1 Get 1" complimentary movie tickets every month.
  • 2 rounds of complimentary golf per month.
  • Complimentary valet parking service per month.
  • 2 Bronze Meet & Greet services at Dubai Airport.
  • Unlimited Worldwide Airport lounge accesses for the cardholder.

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

  • A minimum spend of AED 2,500 required for earning cashback

MINIMUM SALARY

AED 5,000

RATE

3.85%

ANNUAL FEE

AED 300

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • 5% cashback on supermarket, Dining and Grocery
  • Free airport transfers
  • Great grocery discounts and cashback

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

  • Get up to 40% off MakeMyTrip bookings
  • Free worldwide airport lounge access
  • Save more with 3% cashback on spending when travelling
  • Free airport transfers
  • Global Blue VIP services
  • Great grocery discounts and cashback
  • 5% cashback on dining out with 50% off Talabat orders
  • Free coffee with Costa
  • Head to the cinema with tickets for AED 20
  • Cashback on other spending and shopping

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

  • Max cashback caps apply to specific categories
  • Foreign transaction fee is 2.49% + scheme charges

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 315

  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Contactless Tech
  • Excellent cashback rates on regular spends - upto 5%
  • Bonus cashback of AED 250 on just using the card
  • Extensive Mastercard travel benefits
  • Complimentary airport lounge access

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

  • Earn high cashback rates on regular everyday spends - 5% on supermarket, fuel and utilities
  • Earn 1% on all retail spends and 2% on all non-AED spends
  • No minimum spend required and no cashback caps (upto credit limit)
  • Unlimited access to over 800 airport lounges in 450+ cities worldwide
  • Complimentary hotel nights with Marriot Bonvoy hotels
  • Buy 1 get 1 offers with Mastercard app
  • Extensive travel insurance features - inconvenience cover and medical cover upto USD 500,000
  • Exclusive Mastercard offers

Reward Features

  • Get 5% cashback (up to AED 200 monthly) on your in-store and online grocery shopping with no minimum spend
  • Earn 5% cashback (up to AED 200 monthly) on fuel
  • Enjoy 5% cashback (up to AED 200 monthly) when you dine out
  • Keep exploring with 3% cashback on international spending
  • Receive 1% cashback on all your other spending (excluding selected categories), including online shopping
  • 0.15% cashback on selected categories

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

  • Specific categories of spend are not allowed (alcohol etc.)

MINIMUM SALARY

AED 5,000

RATE

3.45%

ANNUAL FEE

AED 0

  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • 5% Cashback on dining spends in the UAE
  • No annual fees for your Primary and Supplementary cards
  • AED 500 Cashback as joining bonus
  • 20% Cashback at your favourite ecom merchants

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

  • Unlike other cards in the market, Mashreq Cashback Credit Card does not have any minimum spend thresholds. This means you will start saving on your spends from as little as AED 1/-
  • All retails purchases made on the card will be eligible for the cashback. Spends not qualified for cashback are:
  • Balance transfers
  • Local cash advances
  • Credit card cheques
  • Finance charges
  • All fees charged on the Card by the Bank
  • Transactions reversed by Merchants
  • Utility bill payments like telephone bills, water and electricity bills made through the Bank's payment channels like Call Center, Mashreq Online, ATM, Mobile Banking, Branches or any other Bank's payment channel.

Reward Features

Unlimited Cashback on all spend

  • 5% Cashback on dining spends in the UAE
  • 2% Cashback on international spends
  • 1% Cashback on other local spends
  • No caps. No complicated calculations. Just pure savings, guaranteed

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

  • Cashback Joining offer requires spend criteria to be met

MINIMUM SALARY

AED 5,000

RATE

3.25

ANNUAL FEE

AED 0

  • Free for life
  • Complimentary airport lounge access
  • 2 free cinema tickets a month at Reel
  • Switch your rewards between cashback and skywards miles
  • 8% off on cleartrip

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

  • Access to 25+ airport lounges world wide
  • Upto 2 Free cinema tickets and 20% off on F&B at Reel every month
  • Buy 1 get 1 free dining & lifestyle offers
  • 8% off on Cleartrip flight bookings
  • Upto 30% off on Mastercard Hotel Bookings (IOL Escapes)
  • 10% off on Musafir.com
  • 20% off on Airalo eSIM purchases
  • 1-week free access & membership discounts at Gym Nation
  • 20% off on 1 order every month at Talabat free food or grocery delivery
  • 20% on 3 rides every month on Careem
  • Documents required You need to upload your valid Emirates ID and Passport as part of our credit card application process. You also need to take a selfie so that we can verify your identity!
  • How to check the status of the application? You will receive the status of your credit card application as soon as you complete the application process. If your credit card application is under review, then one of our Support team members will contact you within 3-5 business days. One need not create an account with Liv if applying for a credit card through Liv website. However, if applying from Liv app; one must create a Liv account..

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?). 

  • Earn upto 15% cashback. Upto AED 12,000 Cashback per annum and AED 1,000 per month.
  • Earn upto 1 skyward miles per 1 AED spent. Earn monthly skywards miles of upto 6,600

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:

  • For spending between AED 0-2K, earn a total of 0.05 Skywards Miles per AED 1.
  • Spending between AED 2K-5K earns 0.1 Skywards Miles per AED 1.
  • Spending between AED 5K-15K earns 0.2 Skywards Miles per AED 1.
  • Spending between AED 15K-30K earns 0.5 Skywards Miles per AED 1.
  • Spending above AED 30K earns 1 Skywards Mile per AED 1.

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 30,000

RATE

3.69

ANNUAL FEE

AED 1050

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Airport Chauffeur Services
  • Purchase Protection
  • Extended Warranty
  • Earn 1% automatic cashback every day on all your purchases
  • 10% bonus cashback on meeting spend criteria*
  • Get unlimited complimentary access to 1,000+ airport lounges
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month

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

  • No annual fee of AED 1,000 for the first year and it'll be waived from the second year onwards, subject to you meeting a minimum spend of AED 24,000
  • Get unlimited access to 1000+ airport lounges in more than 300 cities all around the world, for you and 1 guest with LoungeKey.
  • Earn up to AED 800 cashback as joining bonus.
  • Amazon: Enjoy 15% off 1 purchase, up to AED 75, every month
  • Get Buy 1 Get 1 Free tickets at Vox cinemas up to four times a month
  • Get Buy 1 Get 1 Free tickets at Reel cinemas twice a month
  • Enjoy Buy 1 Get 1 Free tickets at Roxy Cinemas twice a month, as well as 20% off food and drinks while paying for Platinum tickets at the Platinum lounges
  • Get access to over 10,000 'buy 1 get 1 free' offers, whether it's a lavish brunch, food delivery, a calming spa day, a getaway or anything in between, with the HSBC ENTERTAINER app
  • Discover discounts at hundreds of dining outlets across the UAE with I Love Dining
  • Complimentary cover of up to $500,000 for you and your family on all trips up to 90 days
  • Get unlimited access to 1000+ airport lounges in more than 300 cities all around the world, for you and 1 guest with Visa Airport Companion App.
  • Home&Away program with offers on shopping, dining and entertainment at thousands of outlets worldwide
  • Hundreds of 0% Flexi Instalment Plans and partners' discount offers across UAE
  • Protection against unauthorised or fraudulent use of your card
  • Buyers protection by Visa

Reward Features

  • Get 1% daily cashback on all eligible purchases, with no minimum spend or caps.
  • Your daily cashback is automatically credited to your credit card account each day.
  • *Automatically receive 10% bonus cashback on your daily cashback every month, quarter and year, subject to minimum spends.
  • Monthly : 10% of daily cashback earned in a month: Requires AED 5000 spend in a month
  • Quarterly: 10% of daily cashback earned in a month: Requires AED 25,000 spend in a month
  • Annually: 10% of daily cashback earned in a month: Requires AED 125,000 spend in a month
Apply Now

on HSBC site

MINIMUM SALARY

AED 8,000

RATE

3.69%

ANNUAL FEE

AED 400

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • Welcome bonus of AED 1,000*
  • Complimentary global airport lounge access with Lounge Key
  • Earn up to 10% cashback on specific categories

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

  • Earn up to 10% cashback on key shopping categories including supermarket, fuel, education, utility bills and more
  • No annual fee for the first year
  • Enjoy 50% off all week long across VOX and Reel Cinemas movie tickets across UAE plus 20% off on F&B across all Reel Cinemas
  • Free Valtrans valet parking 2 times per month at over 15 locations like City Walk, Dubai International Airport, YAS Waterworld, Ferrari World and many more locations.
  • 8 Complimentary visits a year. Access to 1000+ VIP airport lounges for cardholder plus a guest
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • 12 months complimentary extended warranty on your electronic purchases
  • Visa Luxury Hotel collection offers
  • 24-hour personalised premium concierge service
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)

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.       

  • Bills (e.g. Telecomm Bills, Utilities Bills and Government-Linked Payments)
  • Education (e.g. Schools, and Colleges/Universities in the UAE and abroad)
  • Supermarket (e.g. Grocery Stores)
  • Transport (e.g. Fuel )

Earn up to 1% Cashback on every AED 2 on all other spends, with no caps.

Things To Be Aware Of

  • Min. spend of AED 3,000 req. to earn cashback
  • Max cashback per month is AED 200 per ctgry and 600 a month
  • Min spend of AED 5000 on primary card for movies offer
Apply Now

Apply through CBD mobile App

MINIMUM SALARY

AED 8,000

RATE

3.69

ANNUAL FEE

AED 383

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Welcome bonus of AED 365 subject to spend of AED 5000
  • No Annual fee for first year
  • 5% Cashback On groceries
  • Monthly cashback upto AED 1000
  • Buy 1 Get 1, Free movie tickets at VOX Cinemas in the UAE

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

  • Buy 1 Get 1 free movie tickets
  • 12% off on hotel bookings on Visa Agoda website
  • Mobile and digital wallets
  • Card control
  • School fee payments
  • Balance transfer
  • Credit shield
  • Instalments payment plans
  • FlexiPay
  • Credit card loan

Reward Features

  • 3% Cashback On utilities, telecom, fuel and Salik
  • 6% Cashback On dining including online orders
  • 5% Cashback On groceries
  • 1% Cashback On all other retail spends
  • AED 365 As a welcome bonus
  • No Annual Fee For the first year
  • Buy 1 Get 1, Free movie tickets at VOX Cinemas in the UAE
  • Monthly cashback up to AED 1,000

Things To Be Aware Of

  • An annual fee of AED 383.25 (including VAT) from year 2

MINIMUM SALARY

AED 5,000

RATE

3.19%

ANNUAL FEE

AED 5000

  • Balance Transfer
  • Airport Lounge Access
  • Complimentary Airport lounge access
  • No monthly caps on cashback
  • Travel by Careem with a 20% off 3 rides every month
  • Get up to 10% cashback on Booking.com
  • Mastercard Priceless offers

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

  • Complimentary Airport Lounge Access at over 1200+ lounges in over 135 countries through travelpass
  • 20% OFF three rides every month
  • Get up to 10% cashback on Booking.com
  • Access handpicked experiences and offers in cities around the world.
  • LOAN ON PHONE at 0% interest for 6 months followed by 1.90% for 3 months, 1.29% for 9 months and 0.99% for 12 months.

Reward Features

Earn Cashback

  • 1% on domestic spend
  • 2% on international spend

There are no Monthly cap

Things To Be Aware Of

MINIMUM SALARY

AED 8,000

RATE

3.09%

ANNUAL FEE

AED 500

  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Roadside Assistance
  • 1% unlimited cashback on all spends
  • Free roadside assistance service

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

  • 1% flat Cashback: anywhere – any time
  • Free roadside assistance
  • ADIB Travel Desk benefits
  • Withdraw 100% of your finance limit as cash
  • Free grace period up to 55 days to repay your outstanding balance
  • Four Free Supplementary cards
  • 8% discount on hotel bookings made at Hotels.com

Reward Features

ADIB Rewards Program

1% flat Cashback: anywhere – any time

Things To Be Aware Of

  • 5th supplementary card onwards annual fee is AED 500

MINIMUM SALARY

AED 5,000

RATE

3.50%

ANNUAL FEE

AED 0

  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles
  • 5% cashback on online purchases, utility bills, school fees
  • 5% cashback at the supermarket
  • 1% Cashback on everything else
  • Unlimited Airport Lounge access
  • 20% off on Careem rides

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

  • 5% cashback on online purchases including utility bills, travel bookings, school fees, fashion, electronics and everything else you buy online.
  • Up to 10% additional cashback on 1,500+ ecommerce sites with www.shopsmart.ae
  • Complimentary airport lounge access across MENA
  • Access to premium health clubs
  • Mastercard Priceless Cities offers
  • Travel and lifestyle benefits
  • Special offers and 0% payment plans across a range of premium partners.

Reward Features

Earn Cashback: 

Dubai First Cashback Card offers unlimited cashback with instant earning & redemption through the Dubai First Mobile app. 

  • 5% cashback on online purchases (including utility bills, travel bookings, school fees, fashion, electronics and everything else you buy online)
  • 5% cashback at the supermarket
  • 1% cashback on everything else
  • Unlimited cashback earning
  • No minimum spend
  • Cashback everywhere you shop
  • Up to 10% additional cashback on 1,500+ ecommerce sites with Shopsmart

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

  • Cashback is capped at max AED 1,000 p.m
  • 2.5% cashback if total spend is more than AED 20,000 p.m

MINIMUM SALARY

AED 5,000

RATE

3.25%

ANNUAL FEE

AED 0

  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access
  • Free for Life
  • Earn 1% cashback on ALL spends
  • 2 free movie tickets anywhere in UAE

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

  • Receive 1% cash back on all purchases
  • Customers can get 2 free movie tickets per month
  • Complimentary access to Marhaba lounges in Terminal 1 & 3 in Dubai International Airport
  • Complimentary access to VIP Diamond Lounge in Abu Dhabi airport
  • Balance transfers at low interest rates

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

  • Min spend of AED 1,000 p.m to earn cashback
  • Min spend of AED 1,500 p.m for free movie tickets

MINIMUM SALARY

AED 8,000

RATE

3.45%

ANNUAL FEE

AED 525

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty
  • 2% cashback on international and airline spends
  • Spend based waiver of annual fee
  • Buy 1 Get 1 Free offer, at Costa Coffee outlets in UAE
  • 8% off instant discount on Booking.com
  • 20% discount upto AED 20 on talabat

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

  • Complimentary visits for you and additional cardholders to over 1,000 airport lounges a year2
  • Get 20% discount up to AED 20 per order, with a minimum order of AED 50.
  • With multi-trip travel insurance, Simply Cash Cardholders and their families are covered on all trips for a duration of up to 90 days.
  • Download the BookingBash application and get the Pro membership (worth up to AED499) as complementary with your Simply Cash credit card,Explore your city with tons of 2-for-1 offers and exclusive discounts on attractions, tours, food and beverages, spas,
  • gyms, beauty treatments and much more.
  • 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.
  • Get up to 8% off (instant discount) on Booking.com when you pay with your Simply Cash card.
  • Journey cardholders enjoy up to 20% discount on rooms and suites when they use their card to book their stay in the UAE, Maldives, Bali, UK, Spain, Kuwait, Oman, Bahrain and China.
  • Enjoy up to 25% off on sensational cuisine form around the world. Enjoy exclusive discounts of up to 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.

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

  • 3.75% cash transaction rate

Citi Cashback Credit Card

Top rated: The Citibank Cashback Credit Card offers up to 3% cashback on everyday spends, with no annual fee for the first year.

APPLY NOW

On the bank website and get an instant decision!

Minimum Salary

Joining Offer

Annual Fee

  • AED 8,000
  • AED 150 statement credit for a minimum spend of AED 7,500 within 90 days.
  • Year 1: No annual fee.
  • Year 2 and onwards: No annual fee, provided the minimum annual spend of AED 9,000 is met. If not, an annual fee of AED 300 applies

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: 3.50%
  • Cash APR: 3.50%
  • Cash Advance Fee: 3% of the cash advance amount or AED 99, whichever is higher
  • Foreign Transaction Fee: 2.99% of the transaction amount.
  • Late Fee: AED 241.50
  • Overlimit Fee: AED 249 or the highest over-limit amount during the statement period.
  • Minimum Due: 2.74% of the current balance or AED 100, whichever is higher.


  • Supermarket & International spends: 3%
  • Online spends: 1%
  • Other spends (including dining, cinemas, etc.): 1%
  • Government transactions: 1%
  • Real Estate, Education, Fuel, Rental, Telecom, Insurance, Utility, Travel/Transport: 1%

Minimum Spend

Max cashback

Exclusions

  • No minimum spend required to earn cashback.
  • Max Cashback per month: AED 1,000
  • Cashback is credited monthly
  • Cashback cannot be earned on cash advances, fees, or loan payments.

Additional Benefits:

Airport Lounge Access: Unlimited lounge access; a plus-one guest receives 6 complimentary visits.

Dining and Food Offers

  • Talabat : 20% discount (up to AED 14) on grocery and food orders twice per month using the code “MASTERCARD.”
  • Booking.com:Up to 10% cashback on wallet for millions of properties worldwide via the Booking.com/mastercardmea portal

Travel Accident and Medical Insurance coverage for delayed flights, lost luggage, and emergency medical conditions.

Airport Transfers2 rides per year with Careem, up to AED 44 each, and 2 rides per year, up to AED 110 each, using code

This card is a solid option for those seeking a good mix of cashback, travel benefits, and rewards without an annual fee for the first year. It also comes with a notable selection of airport and travel-related perks.

FAB Cashback Credit Card

Top rated: The FAB Cashback Credit Card offers up to 5% cashback on supermarket spends and 3% on international transactions, making it perfect for everyday.

APPLY NOW

On the bank website and get an instant decision!

Minimum Salary

Joining Offer

Annual Fee

  • AED 5,000
  • AED 300 welcome bonus + 12% cashback on supermarkets for the first 3 months.
  • AED 315 (including VAT)

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: 3.85%
  • Cash APR: 3.99%
  • Cash Advance Fee: 3.15% of the amount obtained with a minimum of AED 105 per transaction.
  • Foreign Transaction Fee: 2.49% of transaction value + scheme charges.
  • Late Fee: AED 241.50
  • Overlimit Fee: AED 288.75
  • Minimum Due: 5% or AED 100, whichever is lower.


  • Supermarket Spends: 5% cashback with a maximum of AED 200.
  • International Spends: 3% cashback.
  • Online Spends, Utility, Telecom, Fuel, Education and Other Spends: 1% cashback
  • Government, Real Estate, Insurance, Rental, and Travel Spends: 0.15% cashback

Minimum Spend

Max cashback

Exclusions

  • None
  • Max Cashback per month: AED 1,000
  • Automatic redemption
  • Cashback cannot be earned on cash advances, fees, or loan payments.

Additional Benefits:

Cinema Offers: Two cinema tickets a month for AED 20 at Reel Cinemas, Cine Royal, and Star Cinemas

Airport Lounge Access: Unlimited lounge access; a plus-one guest receives 6 complimentary visits.

Dining and Grocery Offers : 

  • 5% cashback on dining and 50% off orders on Talabat (up to AED 40 off each order, four times a month, with a minimum order of AED 50).
  •  AED 40 off Carrefour online when spending AED 250 once a month.

Airport Transfers: 2 free airport transfers and 20% off chauffeur services with Careem (up to 3 rides per month).

Travel offers:Up to 40% off flights and hotel bookings through MakeMyTrip. Get up to 2 Costa coffees at Dubai Airport plus 2 additional items.

FAB Islamic Cashback Credit Card

Top rated: The FAB Islamic Cashback Credit Card offers up to 5% cashback on supermarkets and 3% on international transactions, tailored for Sharia-compliant spending.

APPLY NOW

On the bank website and get an instant decision!

Minimum Salary

Joining Offer

Annual Fee

  • AED 5,000
  • Spend AED 5,000 to get AED 500 or spend AED 8,000 to get AED 800.
  • AED 315 (including VAT)

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: 3.5%
  • Cash APR: 3.5%
  • Cash Advance Fee: 3.15% of the amount obtained with a minimum of AED 105 per transaction.
  • Foreign Transaction Fee: 2.49% of transaction value + scheme charges.
  • Late Fee: AED 241.50
  • Overlimit Fee: AED 288.75
  • Minimum Due: 5% or AED 100, whichever is lower.


  • Supermarket Spends: 5% cashback with a maximum of AED 200.
  • Dining, Fuel: 5% with a max of AED 200
  • International Spends: 3% cashback.
  • Online Spends, Utility, Telecom, Fuel, Education and Other Spends: 1% cashback
  • Government, Real Estate, Insurance, Rental, and Travel Spends: 0.15% cashback

Minimum Spend

Max cashback

Exclusions

  • None
  • Max Cashback per month: AED 1,000
  • Automatic redemption
  • Cashback cannot be earned on cash advances, fees, or loan payments.

Additional Benefits:

Airport Lounge Access: Unlimited lounge access; a plus-one guest receives 6 complimentary visits.

Dining and Grocery Offers : 

  • 5% cashback on dining and 50% off orders on Talabat (up to AED 40 off each order, four times a month, with a minimum order of AED 50).
  • AED 40 off Carrefour online when spending AED 250 once a month.

Travel offers: Up to 40% off flights and hotel bookings through MakeMyTrip. Get up to 2 Costa coffees at Dubai Airport plus 2 additional items..

Up to 40% off flights and hotel bookings through MakeMyTrip. Get up to 2 Costa coffees at Dubai Airport plus 2 additional items.

Airport Transfers: 2 free airport transfers and 20% off chauffeur services with Careem (up to 3 rides per month).

Travel Offers: Up to 40% off flights and hotel bookings through MakeMyTrip. Get up to 2 Costa coffees at Dubai Airport plus 2 additional items.

Car Rental Benefits: Stress-free car rentals with up to 35% off Avis (President Club membership) and 15% off Hertz (Gold Plus Five-Star membership).

Key Differences Between FAB Cashback and FAB Islamic Cashback Cards:

FAB Cashback Credit Card :Offers cinema benefits, unlimited lounge access, and a broader range of grocery and dining cashback options

FAB Cashback Credit Card :Largely similar in terms of cashback but offers car rental benefits with Avis and Hertz.

Both cards offer competitive cashback rates and a range of perks, including airport lounge access, dining cashback, and airport transfers, making them ideal for individuals looking for high-value rewards on every day and travel-related spends.

CBD Supersaver Credit Card

The CBD Super Saver Credit Card offers up to 10% cashback on supermarket, fuel, and utility bills, along with exclusive travel and lifestyle benefits

Minimum Salary

Joining Offer

Annual Fee

  • AED 8,000
  • Welcome bonus of AED 1,000
  • First Year: Free
  • Second Year Onwards: AED 420 annual membership fee (AMF)

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: 3.85%
  • Cash APR: 3.85%
  • Cash Advance Fee: 3.15% of the amount obtained with a minimum of AED 105 per transaction.
  • Foreign Transaction Fee: 2.49%
  • Late Fee: AED 241.50
  • Overlimit Fee: AED 288.75


  • Government, Education, Telecom, Utility and Travel: 10% cashback with a maximum of AED 150.

Minimum Spend

Max cashback

Exclusions

  • AED 3,000 per month
  • AED 600 per month
  • Cashback cannot be earned on cash advances, fees, or loan payments.

Additional Benefits:

  • Cinema Offers : cinema tickets per month with 50% off across VOX, Reel, or Novo Cinemas.
  • Airport Lounge Access : Enjoy 8 complimentary visits to over 1,000 airport lounges worldwide with Lounge Key.
  • Golf Benefits : Four complimentary rounds of golf at Trump International Golf Club every month, subject to retail spends of AED 7,500 per calendar month.
  • Valet parking : Enjoy free Valtrans valet parking three times per month at Dubai International Airport (Terminal 1 and 3), Al Maktoum International Airport, and other locations.
  • Discounts and Offers :
  • KidZania®, E-Kart Zabeel, Dubai Aquarium, and more : 20% discount on regular admission tickets.
  • The Storm Coaster at Dubai Hills Mall : 20% discount.
  • Dubai Ice Rink and Zabeel Sports District : 20% discount on general admission tickets and all sports except badminton.
  • Complimentary night stay with Ten Concierge Hotel Services.
  • Car Rental : Enjoy up to 35% discount on car rental bookings.

Car Rental: Enjoy up to 35% discount on car rental bookings.

The CBD Super Saver Credit Card is designed for customers with varied spending categories, providing substantial cashback of 10% across groceries, utilities, fuel, travel, and government transactions, with a maximum of AED 150 cashback per category. The additional benefits include discounted cinema tickets, lounge access, valet services, and other exclusive discounts on entertainment and travel-related services. This card is ideal for frequent travelers and families who can take advantage of both the cashback and lifestyle benefits it offers.

HSBC Cash+ Credit Card

Top rated: The HSBC Cash+ Credit Card offers 1% cashback on all spends, with no minimum spend required, plus premium travel benefits

APPLY NOW

On the bank website and get an instant decision!

Minimum Salary

Joining Offer

Annual Fee

  • AED 30,000
  • AED 400 cashback upon spending AED 5,000 within the first 60 days. Get a 10% bonus cashback all year when you meet minimum spends.
  • First Year: AED 1,050 (including VAT) waived if the application is approved on or before 30 June 2024.
  • Second Year and Onwards: Annual fee is waived with a minimum spend of AED 24,000 in the previous 12 months.

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: 3.69%
  • Cash APR: 3.69%
  • Cash Advance Fee: 3% of total amount or AED 100 (3.15% inclusive of VAT).
  • Foreign Transaction Fee: 2.1% (including VAT).
  • Late Fee: AED 241.50
  • Overlimit Fee: AED 262.50
  • Minimum Due: 5% of the outstanding balance or AED 100, whichever is higher
  • 1% across all categories

Minimum Spend

Max cashback

Exclusions

  • None
  • None
  • Cashback cannot be earned on cash advances, fees, or loan payments.

Additional Benefits:

  • Cinema Offers :  Buy 1 Get 1 Free movie tickets every month, with up to 25% off food and drinks at cinemas across the UAE.
  • Airport Lounge Access :  Access to over 1,000 lounges in more than 300 cities worldwide. Complimentary access for you and additional cardholders, plus a guest each. Extra guests can enter for USD 32 per visit.
  • Complimentary 12-monthCareem Plus subscription.
  • Over 200 offers across dining, retail, and accommodation in MENA through Timeout and Golf Access Program.
  • Up to 8% off on Booking.com
  • Enjoy a personalized greeting and up to 30% off Airport Meet & Assist services at over 450 locations worldwide.
  • Home & Away Program for deals on shopping, travel, dining, and more worldwide.

HSBC Cashback Credit Card

The HSBC Cashback Credit Card offers up to 2% cashback on supermarket spends and 0.5% on other everyday purchases

APPLY NOW

On the bank website and get an instant decision!


Minimum Salary

Joining Offer

Annual Fee

  • AED 10,000
  • AED 600 welcome cashback on spending AED 6,000 in the first 60 days.
  • Pay no annual fee for the first year, and when you spend at least AED 12,000 a year after that else an AMF of AED 313.95 including VAT

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: 3.69%
  • Cash APR: 3.69%
  • Cash Advance Fee: 3% of total amount or AED 100 (3.15% inclusive of VAT).
  • Foreign Transaction Fee: 2.1% (including VAT).
  • Late Fee: AED 241.50
  • Overlimit Fee: AED 262.50
  • Minimum Due: 5% of the outstanding balance or AED 100, whichever is higher
  • Supermarket/Groceries, Education spends: 2% cashback.
  • Fuel 5% with a max of AED 200
  • International Spends: 0.5% cashback.
  • Online , Dining, Government, Real Estate, Rental, Insurance and Travel: 0.5% cashback.

Minimum Spend

Max cashback

Exclusions

  • AED 3,000 per month
  • AED 600 per month
  • Cashback cannot be earned on cash advances, fees, or loan payments.

Additional Benefits:

  • Cinema Offers : Buy 1 Get 1 Free movie tickets every month, up to 25% off food and drinks at cinemas across the UAE.
  • Airport Lounge Access: 12 complimentary visits per year for you and additional cardholders to over 1,000 lounges worldwide. You need to make at least 1 international purchase with USD 1 or more with your HSBC Visa card 15 days before traveling to access this benefit.
  • Complimentary 12-month Careem Plus subscription.
  • Over 200 offers across dining, retail, and accommodation in MENA through Timeout and Golf Access Programme.
  • Up to 8% off through Booking.com.

Comparison of HSBC Cashback Credit Card and HSBC Cash+ Credit Card:

HSBC Cashback Credit Card : Suitable for individuals with a lower salary requirement (AED 10,000) and is focused on earning cashback with moderate spending limits (2% cashback on groceries and fuel). Ideal for customers who want a basic cashback structure.

HSBC Cash+ Credit Card : This card is more premium and suited for individuals with a higher income (AED 30,000), offering 1% cashback on all categories with no minimum spend requirement. It also includes premium benefits such as additional guest access to lounges, and more exclusive offers through Careem Plus and Airport Meet & Assist services

Both cards offer complimentary airport lounge access, cinema offers, and bonus dining and travel-related perks. The HSBC Cash+ Credit Card provides more premium benefits, while the HSBC Cashback Credit Card is a more straightforward option for everyday spending.

UAB Mastercard Credit Card

UAB Cashback Credit Cards offer up to 2% cashback on international spends and 0.5% on everyday purchases, including supermarkets and utilities. There are three variants to this cashback Titanium, Platinum and World

Minimum Salary

Joining Offer

Annual Fee

  • AED 5,000 – Titanium
  • AED 10,000 – Platinum
  • AED 40,000 - World
  • None

  • First Year: Free
  • Second Year Onwards: AED 300 for titanium, AED 787.50 for platinum and AED 1,500 for World cashback credit cards

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: 2.99%
  • Cash APR: 2.99%
  • Cash Advance Fee: 3.15% of the cash advance amount or AED 105, whichever is higher.
  •  Foreign Transaction Fee: 3.15%
  • Late Fee: AED 241.50
  • Overlimit Fee: AED 208.95
  • Minimum Due: 5% of the outstanding balance.
  • International Spends: 2% cashback.
  • Supermarket Spends: 0.5% cashback
  • Other Spends (Cinemas, Dining, etc.): 1% cashback.

Minimum Spend

Max cashback

Exclusions

  • AED 1,000 per month
  • AED 1000 per month
  • Cashback cannot be earned on cash advances, fees, or loan payments.

Common Benefits across UAB cashback credit cards:

  • Airport Lounge Access: Access to a network of over 1,200 airport lounges in over 135 countries worldwide.
  • Careem:  Get a 20% discount on three Careem rides every month
  • Booking.com: Get up to 10% cashback on bookings.
  • Priceless Specials: Enjoy 'Buy 1, Get 1' offers and other discounts on dining, fitness, beauty, hotels,

Exclusive Platinum Cashback Credit Card benefit:

VIP Access:Complimentary VIP invite and access to VIP lounges at Bicester Village.

Exclusive World Cashback Credit Card benefits: 

  • Onefinestay : Enjoy a 10% discount on bookings at over 2,500 Onefinestay luxury service apartments across cities like London, Paris, Rome, Milan, New York, and more.
  • VIP Access : Complimentary VIP invite and access to VIP lounges at Bicester Village.
  • Cleartrip : 10% discount on international roundtrip bookings.
  • Hertz Car Rentals : Enjoy a complimentary upgrade and discounts with Hertz Gold Plus Rewards. Get up to 25%-35% off your next car rental across Europe, the Middle East, Africa, and Asia.

Comparison and Summary:

UAB Platinum Mastercard : Best for individuals earning AED 10,000+ with no joining offer but substantial cashback benefits on daily spending and discounts through partners like Booking.com and Careem.

UAB Platinum Mastercard : Best for individuals earning AED 10,000+ with no joining offer but substantial cashback benefits on daily spending and discounts through partners like Booking.com and Careem.

UAB World Mastercard : A premium card for high-income earners (AED 40,000+), offering exclusive perks such as luxury apartment discounts, VIP access to lounges, and significant discounts on travel and car rentals.

Each of these UAB Mastercard credit cards provides competitive cashback rates across various categories, airport lounge access, and travel-related perks, making them suitable for frequent travelers and those looking to leverage lifestyle benefits.

Emirates Islamic Switch Credit Card (Lifestyle)

Top rated: The Emirates Islamic Switch Credit Card (Travel) offers up to 4% cashback on airline spends, along with premium travel perks like airport lounge access and complimentary golf.

Minimum Salary

Joining Offer

Annual Fee

  • AED 10,000
  • None
  • AED 313.95 (Waived if yearly spend exceeds AED 30,000)

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: 3.69%
  • Cash APR: 3.49%
  • Cash Advance Fee: 3.15% of cash advance amount or AED 103.95, whichever is higher.
  • Foreign Transaction Fee: 2.34%
  • Late Fee: AED 131.25.
  • Overlimit Fee: AED 261.45
  • Minimum Due: 5% of the outstanding balance


  • Supermarket and Dining Spends: 4% cashback with a maximum of AED 200
  • International Spends: 1% cashback
  • Online Spends, Insurance, Utility and travel: 1% cashback
  • Government, Real Estate, Rental, telecom : 0.5% cashback
  • Education 4% cashback with a max of AED 200
  • Fuel: 8% cashback with a max of AED 100

Minimum Spend

Max cashback

Exclusions

  • AED 2,500 per month
  • Max Cashback per month: AED 800
  • Manual redemption..
  • Cashback cannot be earned on cash advances, fees, or loan payments

Additional Benefits:

  • Cinema Offers : Enjoy up to 2 "Buy 1 Get 1" complimentary movie tickets per month (valid on any day of the week at Vox or Reel Cinemas, with a minimum spend of AED 5,000).
  • Airport Lounge Access : Access to 1,000+ airport lounges worldwide for primary and supplementary cardholders.
  • Golf benefits : Two complimentary rounds of golf per month at prestigious courses such as Arabian Ranches Golf Club, Jebel Ali Golf Course, The Trump International Golf Club, or Abu Dhabi Golf Club. (Minimum monthly retail spend of AED 5,000 is required.)
  • Valet Parking :1 complimentary valet parking service per month at select locations across the UAE (Minimum monthly spend of AED 3,000 is required).
  • Other Benefits : Access to Dubai Ladies Club, travel insurance, and purchase protection.

Emirates Islamic Switch Credit Card (Travel)

The Emirates Islamic Switch Credit Card (Travel) offers up to 4% cashback on airline spends, along with premium travel perks like airport lounge access and complimentary golf.

Minimum Salary

Joining Offer

Annual Fee

  • AED 10000
  • None
  • AED 313.95 (Waived if yearly spend exceeds AED 30,000)

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: 3.69%
  • Cash APR: 3.49%
  • Cash Advance Fee: 3.15% or AED 103.95, whichever is higher.
  • Foreign Transaction Fee:2.34%
  • Late Fee: AED 131.25.
  • Overlimit Fee: AED 261.45
  • Minimum Due: 5% of the outstanding balance


  • Supermarket and Dining Spends: 4% cashback with a maximum of AED 200
  • International Spends: 1% cashback
  • Online Spends, Insurance, Utility and travel: 1% cashback
  • Government, Real Estate, Education 0.5%
  • Airline Spends 4% cashback with a max of AED 200

Minimum Spend

Max cashback

Exclusions

  • AED 2,500 per month
  • Max Cashback per month: AED 800
  • Manual redemption..
  • Cashback cannot be earned on cash advances, fees, or loan payments

Additional Benefits:

  • Cinema Offers : Enjoy up to 2 "Buy 1 Get 1" complimentary movie tickets per month (valid on any day of the week at Vox or Reel Cinemas, with a minimum spend of AED 5,000).
  • Airport Lounge Access : Access to 1,000+ airport lounges worldwide for primary and supplementary cardholders.
  • Golf benefits : Two complimentary rounds of golf per month at prestigious courses such as Arabian Ranches Golf Club, Jebel Ali Golf Course, The Trump International Golf Club, or Abu Dhabi Golf Club. (Minimum monthly retail spend of AED 5,000 is required.)
  • Valet Parking : 1 complimentary valet parking service per month at select locations across the UAE (Minimum monthly spend of AED 3,000 is required).
  • Other Benefits : Access to Dubai Ladies Club, travel insurance, and purchase protection.

Key Differences Between Lifestyle and Travel Variants:

Lifestyle Version : Offers 4% cashback on supermarket, dining, education, and real estate spends

Travel Version :  Offers a higher cashback rate of 4% on airline spends with a focus on travel benefits.

Both cards provide strong cashback options, airport lounge access, complimentary golf, valet services, and additional lifestyle perks. These are premium cards suited for high spenders, with notable rewards in specific categories

Mashreq Cashback Credit Card


The Mashreq Cashback Credit Card offers up to 5% cashback on supermarket spends and 2% on online purchases, with no annual fee.

Minimum Salary

Joining Offer

Annual Fee

  • AED 5,000
  • For existing credit card customers: AED 100 cashback when spending more than AED 5,000
  • For new credit card customers: AED 500 cashback when spending more than AED 5,000 within 2 months.
  • For existing credit card customers: AED 100 cashback when spending more than AED 5,000.
  • Free for life

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: 3.85%
  • Cash APR: 3.85%
  • Cash Advance Fee: 3.15% or AED 210, whichever is higher.
  • Foreign Transaction Fee: 2.89%transaction value + scheme charges
  • Late Fee: AED 241.50
  • Overlimit Fee: AED 303.45
  • Minimum Due: 5% of the outstanding balance


  • Supermarket Spends: 5% cashback
  • International Spends: 2% cashback
  • Online Spends, Insurance, Utility and travel: 1% cashback
  • Government, Rental, Education, Telecom, Utility, Fuel : 0.33% cashback

Minimum Spend

Max cashback

Exclusions

  • None
  • None
  • Cashback cannot be earned on cash advances, fees, or loan payments.

Additional Benefits:

Zomato, Netflix, and more: 20% cashback for the first 6 months at specific merchants (like Zomato and Netflix), with a maximum cashback of AED 50 per merchant per month.

The Mashreq Cashback Credit Card is an attractive option for customers looking for a no-annual-fee credit card with consistent cashback across multiple spending categories. Notably: The 5% cashback on supermarket spends and special introductory offers (20% cashback at select merchants like Zomato and Netflix for the first 6 months) make this card appealing for frequent shoppers.

With no annual fee and manual cashback redemption, this card offers long-term value, especially for daily spenders. However, cashback on categories like fuel, utility, and rental is capped at 0.33%, which is relatively low

Dubai First Cashback Credit Card


The Dubai First Cashback Credit Card offers up to 5% cashback on supermarket, fuel, and travel spends, with additional lifestyle benefits like discounted movie tickets.

Minimum Salary

Joining Offer

Annual Fee

  • AED 5000
  • Get up to AED 800 cashback with a new Dubai First Cashback card
  • AED 399

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: Up to 3.85%
  • Cash APR: Up to 3.99%
  • Get up to AED 800 cashback with a new Dubai First Cashback card
  • Foreign Transaction Fee: 2.75% of transaction value + scheme charges.
  • Late Fee: AED 230.
  • Overlimit Fee: AED 275
  • Minimum Due: 3% of the outstanding balance


  • Supermarket Spends: 5% cashback with a maximum of AED 200.
  • International Spends: 3% cashback
  • Dining Spends: 5% cashback with a maximum of AED 200.
  • Fuel Spends: 5% cashback with a maximum of AED 200.
  • Airline Spends 4% cashback with a max of AED 200
  • Online, Telecom, Rental, Education, Others Spends: 1% cashback.
  • Government, Real estate, Insurance, Utility and Travel: 0.15% cashback.

Minimum Spend

Max cashback

Exclusions

  • None
  • 400
  • Cashback cannot be earned on cash advances, fees, or loan payments.

Additional Benefits:

  • Cinema Offers : Get four standard movie tickets every month for only AED 20 on weekends. Additionally, enjoy a 20% discount on food and beverage purchases throughout the year.
  • Airport Lounge Access :  Unlimited complimentary access to select airport lounges.
  • Careem Rides : Book a ride with Careem and enjoy 20% off the first three rides every month.
  • Mastercard Buy 1 Get 1 Offers : Download the Mastercard ‘Buy 1 Get 1’ mobile app for access to over 900 offers, including spa treatments, travel, fine dining, and more.
  • Shop at over 100,000 U.S. retailers, including Apple, Amazon, and Ralph Lauren, with MyUS for fast and affordable international shipping.
  • Save up to 60% on world-leading brands all year round
  • 10% off luxury clothing online with Farfetch
  • 30% off at Lingokids.
  • 8% off on Cleartrip.
  • 10% off on Booking.com.
  • Car Rentals: Enjoy 20% off Avis car rentals and 10% off rental cars.

The Dubai First Cashback Credit Card offers a comprehensive cashback program with up to 5% cashback on supermarket, fuel, and travel/transport spends, capped at AED 200 per category. With no minimum spend requirement, it is a flexible card for regular spenders. Additional benefits such as discounts on Careem rides, complimentary lounge access, and numerous shopping and travel offers make it a well-rounded card for lifestyle perks. Frequent moviegoers will also appreciate the discounted movie tickets and food and beverage offers.

The card’s cashback structure, combined with the joining offer of up to AED 800 cashback, makes it suitable for individuals seeking a robust cashback credit card with added lifestyle benefits.

Standard Chartered Bank Simply Cash Credit Card


The Standard Chartered Bank Simply Cash Credit Card offers 2% cashback on international spends and 1% on all other categories, with no minimum spend requirement.

Minimum Salary

Joining Offer

Annual Fee

  • AED 8000
  • Earn AED 300 cashback as a welcome reward.
  • Get a chance to win up to AED 25,000 in a raffle draw upon spending.
  • First Year: Free
  • Second Year Onwards: AED 525 annual fee, but it will be waived if you spend at least AED 9,000 in the previous 12 months.

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: 3.45%
  • Cash APR: 3.75%
  • Cash Advance Fee: 3.15% of cash advance amount or AED 105, whichever is higher.
  • Foreign Transaction Fee: 2.99%
  • Late Fee: AED 241.50
  • Overlimit Fee: AED 292.25
  • Minimum Due: 1% of the principal balance plus all fees and charges, or AED 110, whichever is higher.


  • International Spends: 2% cashback.
  • All other Spends: 1% cashback.

Minimum Spend

Max cashback

Exclusions

  • None
  • None
  • Cashback cannot be earned on cash advances, fees, or loan payments.

Additional Benefits:

  • Cinema Offers :  Enjoy free movies at VOX and Reel Cinemas with Buy 1 Get 1 offers, provided you meet a minimum spend criterion of AED 3,000.
  • Airport Lounge Access :  Enjoy 8 complimentary visits for you and additional cardholders to over 1,000 lounges worldwide. You need to make at least one international purchase worth USD 1 with the Simply Cash card at least 15 days before travel to qualify for lounge access.
  • Hotel Discount : 20% discount on Jumeirah hotel rooms and suites, 12% discount on Agoda, and up to 8% off on Booking.com.
  • Dining Discount : Get a free hot or cold coffee through Buy 1 Get 1 Free offers at over 150 Costa Coffee outlets in the UAE
  • Concierge Service : 24x7 personalized services with Visa Signature Concierge.

The SCB Simply Cash Credit Card offers a simple cashback structure with 1% cashback across most spending categories, with a higher cashback rate of 2% on international transactions. The card comes with an annual fee waiver for users who spend more than AED 9,000 annually, making it cost-effective for moderate to high spenders. Additional perks include cinema offers, airport lounge access, and significant travel and dining discounts, particularly useful for frequent travelers.

With a straightforward cashback mechanism and multiple lifestyle benefits, this card is suitable for individuals seeking a balanced mix of everyday rewards and travel-related privileges.

ADCB Simplylife Credit Card


The ADCB SimplyLife Credit Card offers 1% cashback on all spends, with no annual fee, and additional lifestyle benefits like complimentary movie tickets.

Minimum Salary

Joining Offer

Annual Fee

  • AED 5000
  • None
  • Free for Life

Rates

Charges

Cashback Reward Rates

  • Monthly Retail APR: 3.25%
  • Cash APR: 3.50%
  • Cash Advance Fee: 3.15% of cash advance amount or AED 105, whichever is higher.
  • Foreign Transaction Fee: 2.99%
  • Late Fee: AED 241.50
  • Overlimit Fee: AED 288.75
  • Minimum Due: 5% of the outstanding balance or AED 100, whichever is higher.


  • All Spends: 1% cashback

Minimum Spend

Max cashback

Exclusions

  • AED 1,000 per month
  • AED 1,000 per month
  • Cashback cannot be earned on cash advances, fees, or loan payments.

Additional Benefits:

  • Cinema Offers : Receive two free movie tickets when you make monthly purchases worth AED 1,500 or more.
  • Airport Lounge Access: : Complimentary access to the Marhaba Lounges at Terminal 1 and 3 of Dubai International Airport and Terminal DWC-Al Maktoum International Airport. Also, enjoy complimentary access to the new Diamond Lounge located at the VIP terminal of Abu Dhabi International Airport.

Simplylife Cashback Credit Card is designed to offer a simple cashback structure with 1% cashback across all spending categories. The card has no annual fee and includes useful perks such as complimentary movie tickets and airport lounge access. These features make it ideal for individuals seeking a cost-effective credit card with moderate benefits related to entertainment and travel.

For those who frequently travel or visit cinemas, the free lounge access and movie tickets add value to everyday use, while the cashback on all spend categories ensures consistent rewards on daily transactions

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