Best UAE Business Credit Cards for Rewards & Cashback (2025)

As an SME owner in the UAE, finding the right business credit card isn't just about managing expenses — it's about turning them into valuable rewards.

We've carefully analyzed UAE's top business credit cards for 2025, highlighting the best rewards structures, cashback rates, and overall value for SMEs.

Let's explore UAE's standout business cards to help you choose the one that best suits your business needs.

1. Emirates NBD Business Rewards Credit Card

If your SME frequently travels, particularly with Emirates, the Emirates NBD Business Rewards Card is one of your top choices, thanks to generous, uncapped rewards earning.

Key Rewards:

• Earn 2 Business Rewards Points per $5 spent on Emirates travel bookings.
• Earn 1 point per $5 spent on general retail transactions.
• Earn 0.25 points per $5 spent on groceries, utility bills, government services, and education.
• No monthly points cap.

With Emirates NBD, business travel becomes significantly more rewarding, especially if your team regularly flies Emirates.

2. Alaan Business Expense Card (Fintech)

For digitally focused SMEs conducting international transactions, Alaan provides a powerful cashback solution combined with convenient expense tracking tools.

Cashback Benefits:

• 2% unlimited cashback on international purchases.
• 1% unlimited cashback domestically.
• Instant rewards deposited monthly into your Alaan business account.
• Unlimited team member cards (physical and virtual) with seamless expense management.

Alaan's high cashback rates and intuitive digital interface make it a top pick for SMEs looking to simplify expense tracking while maximizing cashback.

3. Qashio Corporate Credit Card (Fintech)

Qashio combines flexibility and robust rewards, ideal for SMEs that prefer choosing how they redeem earned rewards—cashback, airline miles, or loyalty points.

Key Benefits:

• Earn up to 2% cashback equivalent on all business expenses.
• Redemption flexibility: convert rewards into cashback, Emirates Skywards miles, or Shukran points.
• High credit limits (up to AED 1 million) combined with extensive spend management tools and ERP integrations.

Qashio is perfect if your SME appreciates reward versatility along with advanced spending controls.

4. RAKBANK Titanium Business Credit Card

RAKBANK Titanium Business Card provides clear, straightforward cashback, ideal for SMEs seeking simplicity and predictable rewards across multiple spend categories.

Key Features:

• Earn up to 1% cashback on general domestic and international retail spending (up to AED 1,000/month).
• 0.25% cashback on real estate, government services, bill payments, education, telecom, petrol, transport, and charities.
• Cashback redemption threshold is AED 100; no annual fee.

RAKBANK's uncomplicated cashback structure makes it particularly attractive for SMEs prioritizing hassle-free value.

Pros & Cons: UAE Business Rewards & Cashback Cards

Conclusion: Start Earning More From Your Business Expenses

Selecting the best UAE business credit card can help transform your company's spending into valuable rewards. Whether your priority is cashback, travel rewards, or flexibility, these recommended cards deliver exceptional value tailored specifically for SMEs.

FAQ

1. Which UAE business credit card offers the best cashback for international purchases?

Alaan Business Expense Card offers the highest unlimited cashback rate (2%) on international spending.

2. Does Emirates NBD Business Rewards Card limit points earned monthly?

No, Emirates NBD offers unlimited monthly rewards earning, especially advantageous for frequent travelers on Emirates flights.

3. Which card provides the simplest cashback structure for SMEs?

RAKBANK Titanium Business Card is simplest, offering a clear 1% cashback on retail spends and 0.25% on select spending categories.

4. Can rewards be converted into airline miles?

Yes, Qashio Corporate Credit Card offers flexible redemption, allowing SMEs to convert earned rewards directly into airline miles like Emirates Skywards.