For free-for-life entry, Liv Cashback (Emirates NBD's digital bank) offers up to 2% tiered cashback from AED 5,000 salary. For premium tiers, Liv Cashback+ pays up to 4% with an AED 1,500/month cap. The best card depends on your salary band, monthly spend, and category mix.
Best Cashback Credit Cards in the UAE
Top UAE cashback credit cards compared: Liv Cashback+ (4%), FAB Cashback (5%), ADCB 365, DIB Consumer Cashback — fees, caps, and salary tiers.
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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 Free Movie Tickets + 20% off on F&B at VOX Cinemas
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 Free Movie Tickets + 20% off on F&B at VOX Cinemas
DUBAI ISLAMIC BANK
DIB Consumer Cashback Platinum Credit Card
≈ AED 12,000 potential value / year
4% cashback on groceries, auto & education
4% cashback on bills
4% cashback on Salik & Nol
FIRST ABU DHABI BANK (FAB)
FAB Cashback Credit Card
≈ AED 12,856 potential value / year · incl. perks
5% cashback on fashion, dining, groceries
3% cashback on international spends
1% cashback on other retail spends
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 525 | AED 15,000 | Up to 4% tiered cashback with AED 1,500/month cap; airport lounge access; 3 free VOX tickets |
| Free | AED 5,000 | Up to 2% tiered cashback, free for life — the easiest entry cashback card in the UAE |
| AED 300 | AED 5,000 | 5% cashback on dining, fashion, and groceries with broader everyday categories |
 | Free | AED 5,000 | Free-for-life cashback card with welcome bonus and broad category coverage |
 | AED 383 | AED 8,000 | Flat 1% on all spending, 5% on selected categories; ADCB 365 ecosystem benefits |
| AED 261.45 | AED 15,000 | 4% Sharia-compliant cashback across selected UAE everyday categories |
 | AED 210 | AED 5,000 | 3% Sharia-compliant cashback with a lower salary threshold |
 | Paid | AED 8,000 | HSBC's primary cashback card; appeals to existing HSBC relationship customers |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 525 | AED 15,000 | Up to 4% tiered cashback with AED 1,500/month cap; airport lounge access; 3 free VOX tickets |
| Free | AED 5,000 | Up to 2% tiered cashback, free for life — the easiest entry cashback card in the UAE |
| AED 300 | AED 5,000 | 5% cashback on dining, fashion, and groceries with broader everyday categories |
| Free | AED 5,000 | Free-for-life cashback card with welcome bonus and broad category coverage |
| AED 383 | AED 8,000 | Flat 1% on all spending, 5% on selected categories; ADCB 365 ecosystem benefits |
| AED 261.45 | AED 15,000 | 4% Sharia-compliant cashback across selected UAE everyday categories |
| AED 210 | AED 5,000 | 3% Sharia-compliant cashback with a lower salary threshold |
| Paid | AED 8,000 | HSBC's primary cashback card; appeals to existing HSBC relationship customers |
Liv Cashback+ Credit Card
Annual feeAED 525
Min. salaryAED 15,000
HighlightUp to 4% tiered cashback with AED 1,500/month cap; airport lounge access; 3 free VOX tickets
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightUp to 2% tiered cashback, free for life — the easiest entry cashback card in the UAE
FAB Cashback Credit Card
Annual feeAED 300
Min. salaryAED 5,000
Highlight5% cashback on dining, fashion, and groceries with broader everyday categories
Mashreq Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightFree-for-life cashback card with welcome bonus and broad category coverage
ADCB 365 Cashback Credit Card
Annual feeAED 383
Min. salaryAED 8,000
HighlightFlat 1% on all spending, 5% on selected categories; ADCB 365 ecosystem benefits
DIB Consumer Cashback Platinum Credit Card
Annual feeAED 261.45
Min. salaryAED 15,000
Highlight4% Sharia-compliant cashback across selected UAE everyday categories
DIB Consumer Cashback Reward Credit Card
Annual feeAED 210
Min. salaryAED 5,000
Highlight3% Sharia-compliant cashback with a lower salary threshold
HSBC Cash+ Credit Card
Annual feePaid
Min. salaryAED 8,000
HighlightHSBC's primary cashback card; appeals to existing HSBC relationship customers
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.
4.1/5
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
3.9/5
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
Why choose Cashback Credit Cards in the UAE
1.
Choose by cap, not headline rate
Premium cashback cards usually advertise 4-5% but enforce a monthly AED cap (e.g. Liv Cashback+ caps at AED 1,500/month). At spend levels above the cap, a flat 1-2% card may net more total cashback.
2.
Free options work hard at low salaries
Liv Cashback and Mashreq Cashback are both free-for-life from AED 5,000 salary — meaning you keep 100% of the cashback. At AED 2,000/month spend, Liv Cashback can return ~AED 480/year with zero fee.
3.
Match the card to your spend categories
If groceries and dining dominate your spend, FAB Cashback or category-rich cards beat flat-rate cashback. If your spend is spread across many merchants, a flat-rate card like Liv Cashback is easier to maximize.
8 cards in the UAE
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 Free Movie Tickets + 20% off on F&B at VOX Cinemas
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 Free Movie Tickets + 20% off on F&B at VOX Cinemas
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)
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 fuel and Salik
- 3% cashback on groceries and supermarkets
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
DUBAI ISLAMIC BANK
DIB 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 every day on all your 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 typical monthly cashback-eligible spend
2.Check whether you'll exceed the card's monthly cashback cap; if yes, consider stacking with a flat-rate card
3.Compare net first-year value: cashback earned minus annual fee minus joining fee
4.If you're new to UAE credit cards, start with a free-for-life entry card (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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