You can choose any 2 categories from: Dining, Grocery, Fuel, International spends, and Education. Your selected categories earn 5% cashback while all other eligible retail spends earn 1%. You can change your selection up to twice per year for free; additional changes cost AED 25.
Al Hilal Cashback Credit Card
Free-for-life Shariah-compliant card earning 5% cashback on 2 chosen categories, plus 1% on everything else.
≈ AED 1,396 value / year · incl. perks
Rewards
5%
cashback on your 2 chosen categories
Choose any 2 from: Dining, Grocery, Fuel, International spends, and Education. You can change your selection up to twice per year for free. Total cashback is capped at AED 500 per month across all categories.
See full breakdown1%
cashback on all other retail spends
1% cashback on all eligible retail transactions not covered by your 5% categories. Government transactions are excluded from cashback.
See full breakdown1%
cashback on EEA international spends
International transactions in EEA currencies (EUR, GBP, etc.) earn a flat 1% cashback regardless of your category selection.
See full breakdownRewards Calculator
Eligibility
21
Minimum Age
5,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Additional Benefits
Airport Lounge Access
4 complimentary visits per year via Mastercard Travel Pass
Access 25+ regional and international lounges including Marhaba and CAC. Requires at least one USD 1 cross-border transaction to activate your annual allotment. Register via the Mastercard Travel Pass app.
See full breakdownCleartrip Travel Discounts
Up to 30% off flights and hotels via Cleartrip
Book international round-trip flights or hotel stays on Cleartrip.com. Discounts scale with party size: 15% for 2 pax/nights up to 30% for 5 pax/nights (max USD 200 saving). Valid for bookings made via Cleartrip.
See full breakdownTalabat Discount
Up to 20% off Talabat food and grocery orders
Get up to 20% off food delivery and grocery orders on Talabat, valid up to 2 times per month. Use promo code MASTERCARD in the Talabat app. Available in UAE, Kuwait, Oman, Jordan, Qatar, Bahrain and Egypt.
See full breakdownAvis Car Rental Discount
Up to 20% off Avis car rentals worldwide
Enjoy up to 20% discount on Avis car rentals worldwide via avisworld.com or the Avis Preferred programme. Valid for Al Hilal Mastercard Platinum cardholders.
See full breakdownFees
Free
Joining Fee
Free
Annual Fee
Free for life — no annual fee ever charged
3.69%
Monthly Profit Rate
3.69% per month (44.28% per annum)
Minimum Monthly Payment5%*
*5% of outstanding balance or AED 100, whichever is higher
Commitment to DonateAED 100*
*Shariah-compliant late payment charge donated to charity when minimum payment is missed.
Cash Advance Fee3.15%*
*3.15% of transaction amount
Supplementary CardFree*
*First 3 supplementary cards are complimentary; AED 105 for 4th card onwards
Card ReplacementFree*
*Free card replacement
Direct Debit Return FeeAED 26.25
Sales Voucher CopyAED 68.25
International Transaction Fee (non-AED)2.99%*
*2.99% of transaction amount
Category Change FeeAED 25*
*Free for first 2 changes per year; AED 25 from the 3rd change onwards
Frequently Asked Questions
Get answers to common questions about Al Hilal Cashback Credit Card credit card
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