Looking for the best cashback credit cards in the UAE? We have compared 10 cashback credit cards from top banks in the United Arab Emirates to help you maximize savings on everyday spending — groceries, fuel, dining, and online shopping.
Cashback cards in the UAE typically offer 1.5% to 10% back on purchases, with monthly caps ranging from AED 300 to AED 1,000. All data is sourced from official bank product listings and updated regularly.
Top 10 Cashback Credit Cards in UAE (2026)
1. Mashreq Cashback Card
Bank: Mashreq
- Annual Fee: Free for life
- Cashback: 5% unlimited on dining (local + international), 1% on everything else
- Welcome Bonus: AED 500 for new customers
- Benefits: Unlimited dining discounts via DragonFly, flexible repayment
The Mashreq Cashback Card is free for life and offers 5% unlimited cashback on all dining spends with no caps. One of the best value-for-money cashback cards in the UAE for food lovers.
2. ADCB Traveller Credit Card
Bank: Abu Dhabi Commercial Bank
- Annual Fee: AED 1,575 (incl. VAT)
- Cashback: 10% on airlines and hotels, 1.5% on domestic spending
- Benefits: AED 2,000 hotel voucher, free Careem airport transfers, lounge access
The ADCB Traveller Card offers the highest cashback rate on travel spending in the UAE — 10% on flights and hotels worldwide plus 1.5% on everything else domestically.
3. Emirates Islamic Cashback Credit Card
Bank: Emirates Islamic Bank
- Annual Fee: No annual fee
- Cashback: Up to 10% on supermarkets, education, dining, telecom
- Benefits: 1,000+ airport lounges, unlimited golf, Buy 1 Get 1 movies, Shariah-compliant
Shariah-compliant cashback card offering up to 10% back on daily categories. Includes 0% balance transfer for 6 months and complimentary valet parking.
4. ADIB Cashback Visa Card
Bank: Abu Dhabi Islamic Bank
- Cashback: 4% on groceries, fuel, dining, utilities (cap AED 1,000/month)
- Shariah-Compliant: Yes — profit-rate model, no interest
The ADIB Cashback Visa is one of the best Shariah-compliant cashback cards in the UAE, offering 4% back across most daily spending categories.
5. Mashreq noon VIP Card
Bank: Mashreq
- Annual Fee: Zero
- Cashback: 5% at noon, NowNow, Sivvi, noon Food, Namshi; 1% on all other spends
- Benefits: Free noon VIP membership, unlimited free next-day delivery, digital activation in 2-3 hours
Perfect for online shoppers — 5% cashback across the entire noon ecosystem with no minimum spend. Card issued digitally in 2-3 hours.
6. HSBC Cashback Credit Card
Bank: HSBC
- Cashback: Up to 5% on everyday spends
- Benefits: Automatic monthly cashback credit, 0% balance transfer for up to 24 months
HSBC's cashback card offers up to 5% on everyday spending with automatic monthly crediting — no points to convert, no hassle.
7. CBD One Credit Card
Bank: Commercial Bank of Dubai
- Annual Fee: Zero
- Cashback: Up to AED 500/month on food delivery, travel, fitness, coffee
- Benefits: Choose, pause or switch plan anytime; 50% off cinema; 1,000+ lounges via LoungeKey
CBD One is the most flexible cashback card in the UAE — choose your own cashback categories and switch them anytime. Zero annual fee with premium perks.
8. CBD Super Saver Signature
Bank: Commercial Bank of Dubai
- Cashback: High cashback rates on everyday categories
- Benefits: Positioned as the best cashback card in the UAE by CBD
The CBD Super Saver Signature is marketed as the best cashback credit card in the UAE, offering competitive rates across everyday spending categories.
9. RAKBANK World Credit Card
Bank: RAKBANK
- Cashback: Exceptional cashback on all spends
- Benefits: Travel benefits, lifestyle privileges, unmatched savings
The RAKBANK World Credit Card goes beyond a typical cashback card, offering exceptional cashback rates combined with travel and lifestyle privileges.
10. DIB Consumer Platinum Card
Bank: Dubai Islamic Bank
- Cashback: Up to 4% on supermarkets, school fees, fuel, utilities
- Shariah-Compliant: Yes — developed with Dept. of Economic Development
The DIB Consumer Platinum Card is ideal for families — 4% cashback on school fees, supermarkets and fuel. Fully Shariah-compliant.
How to Choose a Cashback Credit Card in the UAE
- Match your spending habits — Pick a card that gives the highest cashback on what you spend most (groceries, dining, fuel, online shopping)
- Check the cap — Most UAE banks limit monthly cashback to AED 300–1,000. Calculate if you'll hit the cap
- Annual fee vs. earnings — A free card with 1% cashback may earn more than a AED 500/year card with 5% if you don't spend enough
- Islamic vs. conventional — If Shariah compliance matters, look at ADIB, DIB, Emirates Islamic, and SIB cards
- Pay in full — Credit card interest in the UAE is 2.75–3.49% per month. Carrying a balance wipes out cashback earnings
- Regulation — All cards listed are from banks regulated by the Central Bank of the UAE (CBUAE)
Frequently Asked Questions
What is the highest cashback credit card in the UAE?
The Emirates Islamic Cashback Credit Card offers up to 10% cashback on supermarkets, education, dining and telecom categories. The ADCB Traveller Card offers 10% specifically on airline and hotel spends. The Mashreq noon VIP gives 5% across the noon ecosystem.
Are cashback credit cards in the UAE really free?
Several UAE cashback cards have zero annual fees, including Mashreq Cashback Card, CBD One, Mashreq noon VIP, and Emirates Islamic Cashback Card. Always check for other fees like late payment and cash advance charges.
Is there a monthly cashback cap?
Yes, most UAE banks cap monthly cashback earnings. ADIB caps at AED 1,000/month, CBD One at AED 500/month. The Mashreq Cashback Card offers unlimited dining cashback with no cap. Check individual card terms for exact limits.
Can I get a Shariah-compliant cashback card?
Yes — ADIB, Dubai Islamic Bank, Emirates Islamic, Sharjah Islamic Bank, and Al Hilal Bank all offer Shariah-compliant cashback cards. These use profit-rate models (Murabaha) instead of interest.
What salary do I need for a cashback credit card in the UAE?
Entry-level cashback cards like Mashreq Cashback and RAKBANK RED require a minimum salary of AED 5,000–8,000. Premium cards like ADCB Traveller and CBD One may require AED 15,000+. Check each card's eligibility requirements.
Compare all 267 Credit Cards in the UAE →
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How We Compare Cashback Credit Cards in UAE 2026
Our editorial team reviews each cashback credit card based on cashback rates, caps, annual fees, eligibility requirements, and additional benefits. We update this comparison regularly to reflect the latest offers from banks in the UAE. Data is sourced from official bank websites and verified against CBUAE regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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