How to Get Extra Cashback by Pairing UAE Credit Cards Strategically (2025)
Cashback credit cards are great, but savvy spenders in the UAE have found something even better: pairing specific cards to boost cashback beyond standard rates. Сombining certain cards strategically can earn you significant extra savings every month.
In this guide, we'll explore two popular cashback strategies currently available in 2025. Each method involves using particular cards — Wio Credit Card or Sharjah Islamic Bank Cashback Card paired with Tabby’s payment card — to generate additional cashback on expenses you’d incur anyway.
Let’s dive into exactly how each method works and how you can responsibly make the most of them.
Strategy #1: Wio Credit Card to Pay Other Credit Card Bills
Wio Bank offers a unique cashback feature: you can pay off credit card bills from other banks directly using the Wio Credit Card via the Wio mobile app. As a reward, Wio gives you 1% cashback on these external credit card payments — something rare in the UAE market.
However, it's important to understand the limitations clearly:
- Cashback is capped at 0.5% of your Wio card’s credit limit each month.
- Total monthly cashback across all Wio card transactions is capped at AED 2,500.
Make sure to always repay your Wio card balance promptly to avoid interest charges. Only use this method if you can comfortably manage multiple card payments.
Strategy #2: SIB Cashback Card + Tabby Card Combination
The second popular cashback pairing involves Sharjah Islamic Bank’s Cashback Card and the Tabby Card — a "Buy Now, Pay Later" (BNPL) service in the UAE.
Here’s the logic behind this pairing:
- SIB Cashback Card offers an attractive 10% cashback on online or digital wallet transactions, capped at AED 300/month.
- Tabby Card allows you to buy now and pay later and also offers up to 5% cashback on purchases with the premium Tabby+ subscription.
How this pairing works practically:
- Use your Tabby card for everyday purchases — especially those expenses that would normally earn only minimal cashback on your SIB card.
- Repay the Tabby balance online using your SIB Cashback Card. This repayment qualifies as an online/digital wallet transaction, triggering SIB’s 10% cashback.
- Combined, you earn approximately up to 15% total cashback
Consider this strategy if you can consistently repay Tabby installments on time. Late payments can incur fees and negatively affect your credit score.
Pros & Cons: Comparing Cashback Strategies
Wio Card Bill Pay
| ✅ Pros | ⚠️ Cons |
|---|---|
| Easy cashback (1%) on other card payments | Cashback limited by your Wio credit limit (0.5% monthly cap) |
| Works with any existing credit card | Total monthly cashback limit (AED 2,500) |
| Simple to use via Wio mobile app | Need to manage multiple card payments |
SIB + Tabby Combo
| ✅ Pros | ⚠️ Cons |
|---|---|
| High combined cashback (up to 15%) | Requires managing two accounts responsibly |
| Flexible payment options with Tabby | Cashback capped at AED 300/month for online spends (SIB side) |
| Build credit with timely payments | Late payments can affect credit score |
Important Eligibility and Limitations to Consider
Each method requires you to qualify for and manage multiple credit cards:
- Wio Card: Your monthly cashback potential is directly tied to your approved credit limit. Higher limits mean more cashback potential, but there's still a firm monthly cap.
- SIB Cashback Card: Typically targeted at users with strong credit profiles; be sure you meet the bank's eligibility criteria before applying.
- Tabby Card: Requires managing repayments responsibly to avoid late fees or negative impacts on your credit history.
Are These Pairings Worth Your Time?
Absolutely — if you can manage them responsibly. Both strategies let you earn meaningful cashback on regular expenses without drastically altering your spending habits. Used wisely, you can significantly boost your cashback earnings annually.
However, these are not universal strategies. They specifically rely on pairing particular UAE credit cards and payment solutions. Always verify current terms and conditions before committing.
Conclusion
These two cashback strategies provide excellent opportunities to get extra savings from your existing spending patterns. While they’re not suitable for everyone and come with defined limits and conditions, they offer genuine value for financially disciplined users.
FAQs
1. Can I use any UAE credit card for these cashback tricks?
Wio Credit Card strategy can work with any credit card you already use. SIB + Tabby cards strategy is tied to the features specific for these cards.
2. Are there monthly limits on cashback earned with these methods?
Yes, Wio limits cashback from card bill payments to 1% of your credit limit monthly, with a maximum total cashback of AED 2,500. SIB caps accelerated cashback at AED 300/month.
3. Will pairing SIB with Tabby negatively affect my credit score?
Not if you consistently make repayments on time. Only late or missed payments negatively impact your credit history.
4. Can these cashback strategies be discontinued by banks?
Yes. Banks periodically review cashback terms, and these offers can change. Always verify current terms before proceeding.
Kredit provides informational content only and does not offer financial advice. We do not guarantee accuracy and recommend consulting a licensed financial professional before making decisions.
