Compare Cashback Credit Cards in the UAE
The best cashback credit card in the UAE depends on where you spend most.
See cardsLast updated: - Sourced from official issuer documents and product pages.
What to consider
Cashback cards return value in different ways. A broad-rate card rewards many eligible purchases, while a category card concentrates its higher rate on groceries, dining, fuel or online spending. The advertised percentage is only the start: the qualifying transaction, minimum monthly spend, category ceiling and annual fee decide what remains at the end of the year.
Compare your largest spending categories
Put your usual monthly spend beside each card's eligible categories. A specialist can outperform a broad-rate card when most purchases fall within its reward rules.
Check the value after limits and costs
Apply the monthly cashback cap and any spending threshold before comparing annual returns. A fee-paying card needs enough extra rewards to cover its cost.
Good to know
Wio (2% on most eligible spend, qualifying plan required) wins for simplicity; SIB Cashback earns 10% on eligible digital-wallet and online spend (capped); ADCB 365 returns 6% on dining, 5% on fuel and Salik, and 3% on groceries; Liv Cashback+ unlocks up to 4% on everything once monthly spend crosses AED 15,000.
Compare cashback with miles after accounting for annual fees, monthly caps, minimum-spend conditions and how you redeem rewards. A card advertising 10% on a niche category often delivers less than a 2% broad-rate card across the year. Pick a category-specialist for your largest spend bucket, then layer a broad-cashback card for the gaps. For ranked picks by spending style, see the best cashback credit cards in the UAE; for the shortlist across every category rather than cashback alone, start with the best credit cards in the UAE.
Best cashback card
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 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 spends
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
Cashback credit cards 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% cashback on most eligible spend, AED 2,500 shared monthly cap, qualifying plan required |
| AED 735 | AED 15,000 | Up to 4% tiered cashback with instant redemption flexibility |
| AED 199 (waivable) | AED 5,000 | Up to 10% on eligible online and wallet transactions, with category exclusions and monthly caps |
 | AED 1,575 | AED 25,000 | Flat cashback model on all spends with high monthly cashback ceiling |
 | AED 383.25 | AED 5,000 | 6% dining, 5% fuel and Salik, and 3% groceries |
 | AED 418.95 | AED 5,000 | 5% category-led cashback on grocery, dining, and fuel |
 | AED 261.45 | AED 15,000 | 4% cashback on utility and telecom spends |
 | Free | AED 5,000 | 5% dining cashback with 1% base cashback across other spending |
 | AED 315 | AED 5,000 | Category-led cashback structure for grocery, dining, and lifestyle spending |
 | Free | AED 5,000 | Simple baseline cashback structure for everyday transactions |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 588 (waivable) | AED 7,000 | 2% cashback on most eligible spend, AED 2,500 shared monthly cap, qualifying plan required |
| AED 735 | AED 15,000 | Up to 4% tiered cashback with instant redemption flexibility |
| AED 199 (waivable) | AED 5,000 | Up to 10% on eligible online and wallet transactions, with category exclusions and monthly caps |
| AED 1,575 | AED 25,000 | Flat cashback model on all spends with high monthly cashback ceiling |
| AED 383.25 | AED 5,000 | 6% dining, 5% fuel and Salik, and 3% groceries |
| AED 418.95 | AED 5,000 | 5% category-led cashback on grocery, dining, and fuel |
| AED 261.45 | AED 15,000 | 4% cashback on utility and telecom spends |
| Free | AED 5,000 | 5% dining cashback with 1% base cashback across other spending |
| AED 315 | AED 5,000 | Category-led cashback structure for grocery, dining, and lifestyle spending |
| Free | AED 5,000 | Simple baseline cashback structure for everyday transactions |
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 7,000
Highlight2% cashback on most eligible spend, AED 2,500 shared monthly cap, qualifying plan required
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% tiered cashback with instant redemption flexibility
SIB Cashback Credit Card
Annual feeAED 199 (waivable)
Min. salaryAED 5,000
HighlightUp to 10% on eligible online and wallet transactions, with category exclusions and monthly caps
Invest Bank World Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
HighlightFlat cashback model on all spends with high monthly cashback ceiling
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 5,000
Highlight6% dining, 5% fuel and Salik, and 3% groceries
Dubai First Cashback Credit Card
Annual feeAED 418.95
Min. salaryAED 5,000
Highlight5% category-led cashback on grocery, dining, and fuel
DIB Consumer Cashback Platinum Credit Card
Annual feeAED 261.45
Min. salaryAED 15,000
Highlight4% cashback on utility and telecom spends
Mashreq Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight5% dining cashback with 1% base cashback across other spending
FAB Cashback Credit Card
Annual feeAED 315
Min. salaryAED 5,000
HighlightCategory-led cashback structure for grocery, dining, and lifestyle spending
ADCB Essential Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightSimple baseline cashback structure for everyday transactions
Use case
General spending cashback
For everyday transactions across mixed categories, these picks focus on straightforward cashback structure and broad merchant coverage.
WIO BANK
Wio Credit Card
- 2% Cashback on most spends
- 0.5% on card bills
- Up to AED 2,500/month
INVEST BANK
Invest Bank World Credit Card
- Flat 3% cashback on all spends (up to AED 1,500/month)
- Complimentary Airport Transfers with Careem
- Complimentary 1 GB of data roaming with Flexiroam once a year
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Essential Cashback Credit Card
- Up to 1.25% cashback on all spends
- 0.75% on select categories
- BOGO at Reel Cinemas
Use case
Grocery cashback
These cards are frequently shortlisted for supermarket spend based on published grocery cashback structures and common monthly cap profiles.
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
- 6% cashback on dining (including online food orders)
- 5% cashback on fuel and Salik
- 3% cashback on groceries and supermarkets
DUBAI FIRST
Dubai First Cashback Credit Card
- 5% Cashback on groceries, dining and fuel
- 0.50% Cashback on international and domestic retail spends
- Instant Cashback Redemption
FIRST ABU DHABI BANK (FAB)
FAB Cashback Credit Card
- 5% cashback on fashion, dining, groceries
- 3% cashback on international spends
- 1% cashback on other retail spends
Use case
Dining cashback
Restaurant and food spend can produce outsized cashback, but monthly caps and minimum-spend clauses can materially change realized return.
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
- 6% cashback on dining (including online food orders)
- 5% cashback on fuel and Salik
- 3% cashback on groceries and supermarkets
3.4/5
MASHREQ BANK
Mashreq Cashback Credit Card
- AED 500 Welcome Bonus
- Unlimited 5% Cashback on dining.
- 1% Cashback on international spends (non-dining)
DUBAI FIRST
Dubai First Cashback Credit Card
- 5% Cashback on groceries, dining and fuel
- 0.50% Cashback on international and domestic retail spends
- Instant Cashback Redemption
Use case
Online shopping cashback
For users who spend heavily on apps and websites, these picks are reviewed for strong online earning categories and wallet transaction behavior.
3.8/5
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
- 10% Cashback on online and digital wallet spends
- 2% Cashback on international spends
- 1% Cashback on domestic retail spends
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
- Up to 4% Cashback on all spends
- Cashback or Skywards Miles
- 3 VOX B1G1 offers + 25% off F&B from AED 40
WIO BANK
Wio Credit Card
- 2% Cashback on most spends
- 0.5% on card bills
- Up to AED 2,500/month
Use case
Utilities and bill payments
Utilities, telecom, and recurring bill categories often have lower interchange economics, so card-level cashback structures matter more here.
DUBAI ISLAMIC BANK
DIB Consumer Cashback Platinum Credit Card
- 4% cashback on groceries, auto & education
- 4% cashback on bills
- 4% cashback on Salik & Nol
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
- 6% cashback on dining (including online food orders)
- 5% cashback on fuel and Salik
- 3% cashback on groceries and supermarkets
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Essential Cashback Credit Card
- Up to 1.25% cashback on all spends
- 0.75% on select categories
- BOGO at Reel Cinemas
Why choose cashback cards
1.
Check how the cash value is delivered
Some cards credit a statement balance; others require a redemption step. Compare the posting schedule and any redemption threshold alongside the earning rate.
2.
Monthly caps determine what you actually earn
A 5% dining card with an AED 200/month cap earns no more than AED 200 — regardless of spend. Compare the cap size against your typical monthly spend to find where the headline rate actually pays off.
3.
Flat vs category-led: know your spending pattern
Broad-rate cards suit mixed or unpredictable eligible spending. Category-led cards can deliver higher returns when your spend is concentrated in qualifying categories and stays within the cap.
Compare the return you can actually use
1.
Start with your largest monthly category
For mostly mixed retail spend, compare a broad-rate card with a specialist. Dining, grocery and online cards can pay more only when those purchases meet their category rules.
2.
Apply the threshold and cap
Check whether your normal monthly spend unlocks the advertised rate, then stop counting rewards after the category or total cap. A higher headline rate does not necessarily mean more annual cashback.
3.
Subtract the ongoing card cost
Use the annual fee shown in the comparison table and any published waiver condition. The value of cashback after the first year is the useful comparison for a card you intend to keep.
11 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 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
INVEST BANK
Invest Bank World Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Flat 3% cashback on all spends (up to AED 1,500/month)
- Complimentary Airport Transfers with Careem
- Complimentary 1 GB of data roaming with Flexiroam once a year
DUBAI FIRST
Dubai First Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 418.95
- 5% Cashback on groceries, dining and fuel
- 0.50% Cashback on international and domestic retail spends
- Instant Cashback Redemption
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
3.8/5
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
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
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
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 Essential Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Up to 1.25% cashback on all spends
- 0.75% on select categories
- BOGO at Reel Cinemas
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
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 5,000–25,000 |
| 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 5,000–25,000 |
| 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 Compare Cashback Credit Cards in the UAE
Cashback depends on where you spend
Which cashback card pays most on your spending?
Answer a few quick questions and we'll match the best UAE credit card to your monthly spending — personalised cashback, rewards and perks in under two minutes.