This collection prioritizes cards with welcome rewards in cashback, statement credit, or clearly AED-equivalent cash value, rather than airline miles as the primary signup currency.
Best Cashback Welcome Bonus Credit Cards in the UAE
Compare UAE credit cards where the signup incentive is cash-value based (cashback, statement credit, or equivalent cash reward), without relying on airline miles programs.
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MASHREQ BANK
Mashreq Solitaire Credit Card
≈ AED 12,256 potential value / year · incl. perks
Welcome Bonus: AED 2,500
6 points per AED on international purchases
Unlimited Fitness First Visits
MASHREQ BANK
Mashreq Platinum Plus Credit Card
≈ AED 8,032 potential value / year · incl. perks
10 points/AED on everyday categories
4 lounge visits/year
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)
Best Cashback Welcome Bonus Credit Cards in the UAE compared
A side-by-side snapshot of joining fees, salary requirements, and standout benefits.
| Card | Joining fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 25,000 | AED 2,500 welcome cashback after AED 9,000 spend in first 2 months |
| AED 313.95 | AED 5,000 | AED 500 welcome cashback after AED 5,000 eligible spend in the first 2 months |
 | AED 383.25 | AED 8,000 | AED 365 welcome bonus after AED 5,000 spend in first 45 days |
| Free | AED 5,000 | AED 500 cashback welcome bonus for new customers after AED 5,000 spend in first 2 months |
 | Free | AED 5,000 | AED 500 welcome bonus after AED 5,000 spend in first 2 months |
 | Free | AED 10,000 | AED 500 cashback points after AED 15,000 spend in first 60 days |
| Card | Joining fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 25,000 | AED 2,500 welcome cashback after AED 9,000 spend in first 2 months |
| AED 313.95 | AED 5,000 | AED 500 welcome cashback after AED 5,000 eligible spend in the first 2 months |
| AED 383.25 | AED 8,000 | AED 365 welcome bonus after AED 5,000 spend in first 45 days |
| Free | AED 5,000 | AED 500 cashback welcome bonus for new customers after AED 5,000 spend in first 2 months |
| Free | AED 5,000 | AED 500 welcome bonus after AED 5,000 spend in first 2 months |
| Free | AED 10,000 | AED 500 cashback points after AED 15,000 spend in first 60 days |
Mashreq Solitaire Credit Card
Joining feeAED 1,575
Min. salaryAED 25,000
HighlightAED 2,500 welcome cashback after AED 9,000 spend in first 2 months
Mashreq Platinum Plus Credit Card
Joining feeAED 313.95
Min. salaryAED 5,000
HighlightAED 500 welcome cashback after AED 5,000 eligible spend in the first 2 months
ADCB 365 Cashback Credit Card
Joining feeAED 383.25
Min. salaryAED 8,000
HighlightAED 365 welcome bonus after AED 5,000 spend in first 45 days
Mashreq Cashback Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightAED 500 cashback welcome bonus for new customers after AED 5,000 spend in first 2 months
ENBD noon One Visa Credit Card
Joining feeFree
Min. salaryAED 5,000
HighlightAED 500 welcome bonus after AED 5,000 spend in first 2 months
Emirates Islamic Switch Cashback Credit Card
Joining feeFree
Min. salaryAED 10,000
HighlightAED 500 cashback points after AED 15,000 spend in first 60 days
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.
Direct cash-value rewards
These cards focus on welcome rewards that are easier to value in AED compared to miles and travel-point currencies.
2.
Faster break-even analysis
When rewards are in cashback or statement credit, you can quickly compare bonus value against joining or annual fees.
3.
Useful for non-travel spenders
If you do not redeem miles frequently, cash-value welcome offers are often the most practical first-year option.
6 cards in the UAE
MASHREQ BANK
Mashreq Solitaire Credit Card
- Salary: AED 25,000+
- Annual Fee AED 1,500 +5% VAT
- Welcome Bonus: AED 2,500
- 6 points per AED on international purchases
- Unlimited Fitness First Visits
MASHREQ BANK
Mashreq Platinum Plus Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 313.95
- 10 points/AED on everyday categories
- 4 lounge visits/year
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
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)
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
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
- Salary: AED 10,000+
- No Annual Fee for the first year
- Welcome Offer: AED 500 Cashback points
- Up to 8% cashback on your spends
- Switch between Lifestyle or Travel cashback category
How to maximize cashback welcome offers
Follow these steps to complete your application.
1.Pick cards based on net first-year value after including joining and annual fee impact
2.Confirm spend threshold, eligible transaction types, and bonus credit timeline
3.Time high-ticket spends inside the offer window to unlock bonus with natural spending
4.Track statement cycles until cashback or statement credit is fully posted
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 Best Cashback Welcome Bonus Credit Cards in the UAE
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