# Ajman Bank ULTRACASH: Supermarket & Online Cashback Cap Halved from October 2026

Source: https://kredit.ae/blog/ajman-bank-ultracash-supermarket-online-cashback-cap-halved-from-october-2026

From 1 October 2026, the Ajman Bank ULTRACASH card halves its supermarket and online cashback cap from AED 200 to AED 100. Here's what changes and who it affects.

Category: Announcements  
Published: 2026-07-30T11:28:04.392Z  
Author: Kredit

**Ajman Bank** is trimming one of the **ULTRACASH Credit Card's** headline perks. From **1 October 2026**, the monthly cashback cap on **supermarket** and **online** spending drops from **AED 200 to AED 100** per category. Everything else about the card stays the same.

## What's changing

Only two categories are affected — and only their caps, not the rates:

- **Supermarket:** still 5% cashback, but the monthly cap falls from AED 200 to **AED 100**.
- **Online spends:** still 5% cashback, but the monthly cap falls from AED 200 to **AED 100**.

Left untouched: the **5% fuel** cashback (AED 400 cap), the **5% school-fees** cashback (AED 200 cap), and **1%** on everything else. The change takes effect on 1 October 2026 — until then, the AED 200 caps still apply.

## What it means for your wallet

The caps only bite if you spend heavily in these categories. At 5%, you now hit the new AED 100 cap at **AED 2,000** of monthly spend — it used to take AED 4,000 to reach the old AED 200 ceiling.

- **Supermarket:** spend AED 4,000 in a month → cashback was AED 200, now **AED 100**.
- **Online:** spend AED 4,000 in a month → cashback was AED 200, now **AED 100**.

If you regularly max out both categories, that's up to **AED 200 less each month** — around AED 2,400 a year.

## Cards that earn more on groceries and online

Once the ULTRACASH cap drops to AED 100 a month per category, a dedicated cashback card can earn you far more on the same spend. A few worth comparing:

**Groceries (supermarket)**

- [**Al Hilal Cashback**](https://kredit.ae/credit-cards/al-hilal-cashback-credit-card/details) — 5% back on groceries, up to AED 500 cashback a month.
- [**ADIB Cashback Covered**](https://kredit.ae/credit-cards/adib-cashback-covered-credit-card/details) — 4% back on groceries, up to AED 300 a month.

**Online spends**

- [**SIB Cashback**](https://kredit.ae/credit-cards/sib-cashback-credit-card/details) — 10% back on online and digital-wallet spends, up to AED 300 a month.
- [**Emirates Islamic Flex Elite**](https://kredit.ae/credit-cards/emirates-islamic-flex-elite-credit-card/details) — 2.5% back on online spends, up to AED 500 a month.

**One card for both**

- [**Liv Cashback Plus**](https://kredit.ae/credit-cards/liv-cashback-plus-credit-card/details) — flat cashback on everything, groceries and online included: 1% up to AED 7,000 of monthly spend, 2% from AED 7,000, and 4% once you spend AED 15,000+ a month, up to AED 1,500 cashback a month. For heavy spenders it clears the new ULTRACASH caps comfortably.
- [**Liv Cashback**](https://kredit.ae/credit-cards/liv-cashback-credit-card/details) — a lighter version earning up to 2% flat, with a lower fee.

[Run your own numbers in the calculator](https://kredit.ae/credit-cards/calculator) to see which card wins on your actual monthly spend.

## What to do

- **Check your statements.** If you rarely spend above AED 2,000 a month on groceries or online, nothing changes for you.
- **Split heavy spend.** Once you hit the new AED 100 cap, put extra supermarket or online spend on a second cashback card.
- **Compare before you switch.** [Review the full Ajman Bank ULTRACASH details](https://kredit.ae/credit-cards/ajman-bank-ultracash-credit-card/details) or [compare cards side by side](https://kredit.ae/credit-cards/calculator) to see what fits your spending.

The ULTRACASH card still earns 5% across fuel, supermarket, online and school fees, carries a AED 300 annual fee with no joining fee, and needs a AED 10,000 minimum salary — so it remains a strong everyday cashback option, just with a lower ceiling on two categories.

## Frequently asked questions

### What exactly is changing with the Ajman Bank ULTRACASH Credit Card?

From October 1, 2026, the monthly cashback cap for supermarket and online purchases on the Ajman Bank ULTRACASH card will be halved from AED 200 to AED 100 per category.

### Are other cashback categories also affected by this change?

No, only the supermarket and online spending categories are affected. Other cashback caps remain unchanged.

### How can I check if the Ajman Bank ULTRACASH card is still right for me after this change?

Review your monthly spending on supermarkets and online purchases to assess the impact.

### What is a Sharia-compliant credit card?

A Sharia-compliant credit card operates under Islamic finance principles, avoiding interest and aligning with ethical practices.

### Where can I compare other credit card options in the UAE?

You can compare various credit cards on Kredit.ae to find the best fit for your financial lifestyle.