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 with 5% cashback on 2 chosen categories — dining, grocery, fuel, international or education — plus 1% on everything else.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Al Hilal Cashback Credit Card expects AED 5,000+ monthly income.
Documents ready
Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
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
June Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
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 SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
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 breakdownEligibility
21
Minimum Age
5,000AED
Minimum Income
Fees
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
Similar cards
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
Salary: AED 8,000+
Annual Fee: AED 383.25
6% cashback on dining (including online food orders)
5% cashback on groceries
3% cashback on utilities, telecom, fuel and Salik
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Salary: AED 5,000+
Free for life
Up to 2% Cashback on all spends
Instant redemption as Cashback or Miles
2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
Salary: AED 5,000+
No Annual Fee for the first year
Welcome Offer: AED 500 Cashback points
Up to 8% cashback on your spends
Switch between Lifestyle or Travel cashback category
DUBAI ISLAMIC BANK
DIB Consumer Cashback Platinum Credit Card
Salary: AED 15,000+
Annual Fee: AED 261.45
4% cashback on groceries, auto & education
4% cashback on bills
4% cashback on Salik & Nol
Related Articles
Related Collections
