It depends on your spend. For flat cashback on everything, Wio's 2% is the simplest free pick. For dining, Mashreq Cashback's 5% (free) beats every other no-fee card. For Skywards Miles flexibility, Liv Cashback (free, convertible to Miles). For Talabat delivery, ADCB Talabat's 35% on the first 10 orders. Pair two cards to cover both general and category-specific spend.
Best Cashback Credit Cards in the UAE with No Annual Fee
Compare UAE cashback credit cards that are genuinely free for life — Liv Cashback, Wio, Mashreq Cashback, ADCB Essential, ADCB Talabat, ENBD Noon One. No annual fee, no waiver condition.
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WIO BANK
Wio Credit Card
2% Cashback on all spends
0.5% Cashback on Credit Card Bill Payments
Total Cashback up to AED 2,500/month
MASHREQ BANK
Mashreq Cashback Credit Card
AED 500 Welcome Bonus
Unlimited 5% Cashback on dining.
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Up to 2% Cashback on all spends
Instant redemption as Cashback or Miles
Best Cashback Credit Cards in the UAE with No Annual Fee compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000+ | Free-for-life with up to 2% tiered cashback on all spend — also convertible to Skywards Miles in the Liv app |
| Free (with Wio Plan) | AED 5,000+ | Flat 2% cashback on all spend with AED 2,500/month cap — simplest no-fee everyday card |
| Free | AED 5,000+ |
June Spotlight
Liv by Emirates NBD
Liv by Emirates NBD offers fully digital credit cards designed for everyday spenders and lifestyle-focused users. The lineup covers cashback-led options and Tamayaz travel rewards, giving users flexibility across groceries, dining, travel, and online spending.
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Why choose Cashback
1.
All six cards are genuinely free — no waiver gymnastics
These cards charge zero annual fee with no spend-condition fee waiver. Wio has a Wio Plan monthly fee (waived at AED 35K balance), but the credit card itself adds no annual fee on top. The rest are unconditionally free for life.
2.
Pick by category rather than headline rate
Each free card wins on a different category: Mashreq Cashback for dining, Wio or Liv for flat-rate everywhere, ADCB Talabat for delivery, ENBD Noon One for noon spend. The cleanest setup is two cards — a category specialist plus a flat-rate backup — both free.
3.
Watch monthly caps and minimum-spend conditions
Wio caps at AED 2,500/month total cashback. ADCB Essential pays 1.25% only above AED 5,000 monthly spend (1% below). Mashreq Cashback's 5% dining has its own cap. None of these caps are deal-breakers, but they shape which card is the right primary for your spend pattern.
6 cards in the UAE
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LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Salary: AED 5,000+
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+ |
| 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+ |
| 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)
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