Wio rewards require an eligible plan.
Best Cashback Credit Cards in the UAE with No Annual Fee
Compare UAE cashback credit cards that are free for life or have no separate card annual fee — Liv Cashback, Wio, Mashreq Cashback, ADCB Essential, ADCB Talabat, ENBD Noon One.
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WIO BANK
Wio Credit Card
≈ AED 7,200 potential value / year
2% Cashback on all spends
0.5% Cashback on Other Credit Card Bills
Total Cashback up to AED 2,500/month
Up to 600 ENTERTAINER offers
MASHREQ BANK
Mashreq Cashback Credit Card
≈ AED 6,480 potential value / year
3.4/5
AED 500 Welcome Bonus
Unlimited 5% Cashback on dining.
1% Cashback on international spends (non-dining)
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
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 |
| No separate card fee | AED 5,000+ | 2% on most eligible spend with AED 2,500/month cap; Salary, Family, or Plus plan required |
| Free | AED 5,000+ | Free-for-life 5% on dining, 1% on everything else, AED 500 welcome bonus |
 | Free | AED 5,000+ | 1.25% cashback on monthly spend ≥ AED 5,000 (1% below), AED 350 welcome bonus, free for life |
 | Free | AED 5,000+ | 35% cashback on the first 10 Talabat orders per month (as talabat credit) — narrow but high-rate |
 | Free | AED 5,000+ | 20% back as noon credits on noon food, 5% on noon — best free pick for noon-heavy spenders |
| 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 |
| No separate card fee | AED 5,000+ | 2% on most eligible spend with AED 2,500/month cap; Salary, Family, or Plus plan required |
| Free | AED 5,000+ | Free-for-life 5% on dining, 1% on everything else, AED 500 welcome bonus |
| Free | AED 5,000+ | 1.25% cashback on monthly spend ≥ AED 5,000 (1% below), AED 350 welcome bonus, free for life |
| Free | AED 5,000+ | 35% cashback on the first 10 Talabat orders per month (as talabat credit) — narrow but high-rate |
| Free | AED 5,000+ | 20% back as noon credits on noon food, 5% on noon — best free pick for noon-heavy spenders |
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000+
HighlightFree-for-life with up to 2% tiered cashback on all spend — also convertible to Skywards Miles in the Liv app
Wio Credit Card
Annual feeNo separate card fee
Min. salaryAED 5,000+
Highlight2% on most eligible spend with AED 2,500/month cap; Salary, Family, or Plus plan required
Mashreq Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000+
HighlightFree-for-life 5% on dining, 1% on everything else, AED 500 welcome bonus
ADCB Essential Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000+
Highlight1.25% cashback on monthly spend ≥ AED 5,000 (1% below), AED 350 welcome bonus, free for life
ADCB Talabat Credit Card
Annual feeFree
Min. salaryAED 5,000+
Highlight35% cashback on the first 10 Talabat orders per month (as talabat credit) — narrow but high-rate
ENBD noon One Visa Credit Card
Annual feeFree
Min. salaryAED 5,000+
Highlight20% back as noon credits on noon food, 5% on noon — best free pick for noon-heavy spenders
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
1.
All six cards are genuinely free — no waiver gymnastics
These cards charge zero annual fee with no spend-condition fee waiver. Wio's credit card adds no annual fee, but cashback and ENTERTAINER require Salary, Family, or Plus; Plus and Family cost AED 49/month unless waiver conditions are met. 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 broad eligible spend, ADCB Talabat for delivery, ENBD Noon One for noon spend. The cleanest setup is two cards — a category specialist plus a broad-rate backup.
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
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
WIO BANK
Wio Credit Card
- Salary: AED 5,000+
- No Annual Fee with Wio Plan
- 2% Cashback on all spends
- 0.5% Cashback on Other Credit Card Bills
- Total Cashback up to AED 2,500/month
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
- Welcome Bonus: AED 350
- Up to 1.25% cashback on all spends
- 0.75% on select categories
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Talabat Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500 on spending AED 2,500 in 45 days
- 35% cashback on talabat orders (as talabat credit)
- 1.25% cashback on other spends (as talabat credit)
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
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)
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 with No Annual Fee
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