Best Cashback Credit Cards in the UAE
The best cashback credit card in the UAE depends on where your money goes.
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For one card on almost everything, Wio pays 2% on most spend with an AED 2,500 monthly cap, and Liv Cashback+ pays up to 4% once monthly spend reaches AED 15,000. For one category, SIB Cashback pays 10% on online and digital-wallet spend, ADCB 365 Cashback pays 6% on dining and 5% on fuel and Salik, and Emirates Islamic Cashback Plus pays up to 10% on groceries, education, dining and telecom. Free for life, Liv Cashback pays up to 2% and Mashreq Cashback 5% on dining.
Best all-round cashback
WIO BANK
Wio Credit Card
≈ AED 7,200 potential value / year
2% Cashback on most spends
0.5% on card bills
Up to AED 2,500/month
Up to 600 ENTERTAINER offers
Best free for life
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
≈ AED 8,068 potential value / year · incl. perks · Cashback mode
Up to 2% Cashback on all spends
Cashback or Skywards Miles
2 VOX B1G1 offers + 25% off F&B from AED 40
Best for high spenders
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
≈ AED 15,328 potential value / year · incl. perks · Cashback mode
Up to 4% Cashback on all spends
Cashback or Skywards Miles
3 VOX B1G1 offers + 25% off F&B from AED 40
Best for online spend
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
Islamic≈ AED 10,816 potential value / year · incl. perks
3.8/5
10% Cashback on online and digital wallet spends
2% Cashback on international spends
1% Cashback on domestic retail spends
Best for dining and fuel
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
≈ AED 9,732 potential value / year · incl. perks
6% cashback on dining (including online food orders)
5% cashback on fuel and Salik
3% cashback on groceries and supermarkets
Best Cashback Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 588 (waivable) | AED 7,000 | 2% on most spend, 0.5% on selected categories, AED 2,500 monthly cap; no annual fee with a qualifying Wio plan |
| AED 735 | AED 15,000 | Up to 4% once monthly spend reaches AED 15,000 (2% from AED 7,000), AED 1,500 monthly cap, 3 VOX B1G1 offers a month |
| Free | AED 5,000 | Free for life: up to 2% once monthly spend reaches AED 10,000 (1.5% from AED 5,000), AED 750 monthly cap |
| AED 199 (waivable) | AED 5,000 | 10% on online and digital-wallet spend, 2% international, 1% domestic; no annual fee in the first year |
| AED 383.25 | AED 5,000 | 6% dining, 5% fuel and Salik, 3% groceries, 1% other; AED 5,000 monthly spend to qualify, AED 1,000 monthly cap |
 | AED 313.95 | AED 12,000 | 10% on groceries, education, dining and telecom at AED 17,500+ monthly spend (5% from AED 10,000, 3% from AED 3,000) |
 | AED 315 | AED 5,000 | 5% on fashion, dining and groceries, 3% international, 1% other; AED 3,000 prior-month spend, AED 1,000 monthly cap |
 | Free | AED 5,000 | No annual fee: 5% on dining, 1% on other spend, plus a welcome bonus |
 | AED 313.95 (waivable) | AED 10,000 | 6% dining and 5% fuel after AED 3,000 monthly spend, 2% groceries and entertainment |
 | AED 261.45 | AED 15,000 | Sharia-compliant: 4% on groceries, school fees, auto servicing, telecom, fuel, utilities, Salik and nol; AED 1,000 cap per cycle |
 | AED 210 | AED 5,000 | Sharia-compliant: 3% on the same categories from AED 5,000 salary; AED 1,000 cap per cycle |
 | AED 1,050 (waivable) | AED 30,000 | 1% on every eligible purchase with no cap or minimum spend, plus bonuses for monthly, quarterly and annual spend |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 588 (waivable) | AED 7,000 | 2% on most spend, 0.5% on selected categories, AED 2,500 monthly cap; no annual fee with a qualifying Wio plan |
| AED 735 | AED 15,000 | Up to 4% once monthly spend reaches AED 15,000 (2% from AED 7,000), AED 1,500 monthly cap, 3 VOX B1G1 offers a month |
| Free | AED 5,000 | Free for life: up to 2% once monthly spend reaches AED 10,000 (1.5% from AED 5,000), AED 750 monthly cap |
| AED 199 (waivable) | AED 5,000 | 10% on online and digital-wallet spend, 2% international, 1% domestic; no annual fee in the first year |
| AED 383.25 | AED 5,000 | 6% dining, 5% fuel and Salik, 3% groceries, 1% other; AED 5,000 monthly spend to qualify, AED 1,000 monthly cap |
| AED 313.95 | AED 12,000 | 10% on groceries, education, dining and telecom at AED 17,500+ monthly spend (5% from AED 10,000, 3% from AED 3,000) |
| AED 315 | AED 5,000 | 5% on fashion, dining and groceries, 3% international, 1% other; AED 3,000 prior-month spend, AED 1,000 monthly cap |
| Free | AED 5,000 | No annual fee: 5% on dining, 1% on other spend, plus a welcome bonus |
| AED 313.95 (waivable) | AED 10,000 | 6% dining and 5% fuel after AED 3,000 monthly spend, 2% groceries and entertainment |
| AED 261.45 | AED 15,000 | Sharia-compliant: 4% on groceries, school fees, auto servicing, telecom, fuel, utilities, Salik and nol; AED 1,000 cap per cycle |
| AED 210 | AED 5,000 | Sharia-compliant: 3% on the same categories from AED 5,000 salary; AED 1,000 cap per cycle |
| AED 1,050 (waivable) | AED 30,000 | 1% on every eligible purchase with no cap or minimum spend, plus bonuses for monthly, quarterly and annual spend |
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 7,000
Highlight2% on most spend, 0.5% on selected categories, AED 2,500 monthly cap; no annual fee with a qualifying Wio plan
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% once monthly spend reaches AED 15,000 (2% from AED 7,000), AED 1,500 monthly cap, 3 VOX B1G1 offers a month
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightFree for life: up to 2% once monthly spend reaches AED 10,000 (1.5% from AED 5,000), AED 750 monthly cap
SIB Cashback Credit Card
Annual feeAED 199 (waivable)
Min. salaryAED 5,000
Highlight10% on online and digital-wallet spend, 2% international, 1% domestic; no annual fee in the first year
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 5,000
Highlight6% dining, 5% fuel and Salik, 3% groceries, 1% other; AED 5,000 monthly spend to qualify, AED 1,000 monthly cap
Emirates Islamic Cashback Plus Credit Card
Annual feeAED 313.95
Min. salaryAED 12,000
Highlight10% on groceries, education, dining and telecom at AED 17,500+ monthly spend (5% from AED 10,000, 3% from AED 3,000)
FAB Cashback Credit Card
Annual feeAED 315
Min. salaryAED 5,000
Highlight5% on fashion, dining and groceries, 3% international, 1% other; AED 3,000 prior-month spend, AED 1,000 monthly cap
Mashreq Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightNo annual fee: 5% on dining, 1% on other spend, plus a welcome bonus
HSBC Live+ Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 10,000
Highlight6% dining and 5% fuel after AED 3,000 monthly spend, 2% groceries and entertainment
DIB Consumer Cashback Platinum Credit Card
Annual feeAED 261.45
Min. salaryAED 15,000
HighlightSharia-compliant: 4% on groceries, school fees, auto servicing, telecom, fuel, utilities, Salik and nol; AED 1,000 cap per cycle
DIB Consumer Cashback Reward Credit Card
Annual feeAED 210
Min. salaryAED 5,000
HighlightSharia-compliant: 3% on the same categories from AED 5,000 salary; AED 1,000 cap per cycle
HSBC Cash+ Credit Card
Annual feeAED 1,050 (waivable)
Min. salaryAED 30,000
Highlight1% on every eligible purchase with no cap or minimum spend, plus bonuses for monthly, quarterly and annual spend
October 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.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Why choose Cashback Credit Cards in the UAE
1.
Check the monthly cap before the headline rate
Most cashback cards cap what they pay each month: AED 750 on Liv Cashback, AED 1,000 on ADCB 365, FAB Cashback and both DIB cards, AED 1,500 on Liv Cashback+ and AED 2,500 on Wio. Once a cap is reached, further spend that month earns nothing.
2.
Tiered cards reward putting everything on one card
Liv and Emirates Islamic Cashback Plus raise the rate with total monthly spend. Liv Cashback pays 0.75% below AED 5,000 a month and 2% from AED 10,000, so it pays most when it carries almost all of your spending.
3.
Pair a category card with a flat-rate card
If dining or online shopping dominates, a category card such as ADCB 365 (6% dining) or SIB Cashback (10% online) pays more on that slice, and a flat-rate card like Wio or HSBC Cash+ covers the rest.
12 cards in the UAE
WIO BANK
Wio Credit Card
- Salary: AED 7,000+
- No Annual Fee with Wio Plan
- 2% Cashback on most spends
- 0.5% on card bills
- Up to AED 2,500/month
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- Up to 4% Cashback on all spends
- Cashback or Skywards Miles
- 3 VOX B1G1 offers + 25% off F&B from AED 40
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
- Salary: AED 5,000+
- Free for life
- Up to 2% Cashback on all spends
- Cashback or Skywards Miles
- 2 VOX B1G1 offers + 25% off F&B from AED 40
3.8/5
SHARJAH ISLAMIC BANK
IslamicSIB Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee for the First Year
- 10% Cashback on online and digital wallet spends
- 2% Cashback on international spends
- 1% Cashback on domestic retail spends
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 383.25
- 6% cashback on dining (including online food orders)
- 5% cashback on fuel and Salik
- 3% cashback on groceries and supermarkets
EMIRATES ISLAMIC
IslamicEmirates Islamic Cashback Plus Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 313.95
- Up to 10% cashback on groceries, education, dining, telecom
- Unlimited airport lounge access
- 2 rounds of complimentary golf per month
FIRST ABU DHABI BANK (FAB)
FAB Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 5% cashback on fashion, dining, groceries
- 3% cashback on international spends
- 1% cashback on other retail spends
3.4/5
MASHREQ BANK
Mashreq Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 Welcome Bonus
- Unlimited 5% Cashback on dining.
- 1% Cashback on international spends (non-dining)
HSBC
HSBC Live+ Credit Card
- Salary: AED 10,000+
- First year fee-free
- Up to AED 800 welcome cashback
- 6% dining cashback
- 5% fuel cashback
DUBAI ISLAMIC BANK
IslamicDIB 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
DUBAI ISLAMIC BANK
IslamicDIB Consumer Cashback Reward Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 210
- 3% cashback on groceries, auto & education
- 3% cashback on bills
- 3% cashback on Salik & nol
HSBC
HSBC Cash+ Credit Card
- Salary: AED 30,000+
- No Annual Fee for the first year
- 1% cashback on eligible retail purchases, with no minimum spend or earning caps
- 10% bonus cashback each month, quarter and year on top
- Complimentary Careem Plus subscription
How to pick the best UAE cashback card for you
Follow these steps to complete your application.
1.Estimate your monthly spend and the share that goes to dining, groceries, fuel and online shopping
2.Check whether that spend would pass the card's monthly cashback cap; if it would, pair it with a flat-rate card
3.Compare first-year value: cashback earned minus the annual and joining fees
4.If you are new to UAE credit cards, start with a free-for-life card such as Liv Cashback or Mashreq Cashback and upgrade once your AECB record is established
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–30,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–30,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Cashback Credit Cards in the UAE
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