ADCB 365 leads at 6% on dining (cap AED 1,000/month, AED 5,000 minimum spend); Mashreq Cashback returns 5% on dining with no annual fee; HSBC Live+ also pays 6% but caps at AED 500. For delivery specifically, ADCB Talabat earns 35% on Talabat orders, and ENBD Noon One returns 20% on noon food.
Pick by where you actually eat. In-restaurant cards win on weekend dinners; delivery co-brands win on weeknight orders. Free-for-life options (Mashreq Cashback, Liv Cashback+) keep year-one cost predictable.
