There is no Choithrams co-brand — general grocery cashback wins.
Best Credit Cards for Choithrams UAE 2026
Compare UAE credit cards for Choithrams shoppers: Emirates Islamic Cashback Plus (10% grocery), ADCB 365 (3% grocery), FAB Cashback, Dubai First Cashback, and flat alternatives.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
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
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
≈ AED 10,990 potential value / year · incl. perks
Up to 10% cashback on groceries, education, dining, telecom
Unlimited airport lounge access
2 rounds of complimentary golf per month
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
Best Credit Cards for Choithrams UAE 2026 compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 315 | AED 5,000 | 5% cashback on grocery, dining and fashion — covers the mixed Choithrams basket (imports, fresh, household), AED 300 annual fee, from AED 5,000 |
| AED 313.95 | AED 12,000 | Up to 10% cashback on groceries including Choithrams, lounge access, AED 299 annual fee, from AED 12,000 |
 | AED 383.25 | AED 8,000 | 3% grocery cashback at Choithrams (needs AED 5,000/month total), from AED 8,000 |
 | AED 418.95 | AED 5,000 | 5% cashback on grocery, dining and fuel, AED 399 annual fee, from AED 5,000 |
 | AED 313.95 (waivable) | AED 10,000 | Up to 8% cashback in switchable Lifestyle mode (grocery included), from AED 10,000 |
 | AED 735 | AED 15,000 | Up to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible Choithrams spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 315 | AED 5,000 | 5% cashback on grocery, dining and fashion — covers the mixed Choithrams basket (imports, fresh, household), AED 300 annual fee, from AED 5,000 |
| AED 313.95 | AED 12,000 | Up to 10% cashback on groceries including Choithrams, lounge access, AED 299 annual fee, from AED 12,000 |
| AED 383.25 | AED 8,000 | 3% grocery cashback at Choithrams (needs AED 5,000/month total), from AED 8,000 |
| AED 418.95 | AED 5,000 | 5% cashback on grocery, dining and fuel, AED 399 annual fee, from AED 5,000 |
| AED 313.95 (waivable) | AED 10,000 | Up to 8% cashback in switchable Lifestyle mode (grocery included), from AED 10,000 |
| AED 735 | AED 15,000 | Up to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible Choithrams spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
FAB Cashback Credit Card
Annual feeAED 315
Min. salaryAED 5,000
Highlight5% cashback on grocery, dining and fashion — covers the mixed Choithrams basket (imports, fresh, household), AED 300 annual fee, from AED 5,000
Emirates Islamic Cashback Plus Credit Card
Annual feeAED 313.95
Min. salaryAED 12,000
HighlightUp to 10% cashback on groceries including Choithrams, lounge access, AED 299 annual fee, from AED 12,000
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 8,000
Highlight3% grocery cashback at Choithrams (needs AED 5,000/month total), from AED 8,000
Dubai First Cashback Credit Card
Annual feeAED 418.95
Min. salaryAED 5,000
Highlight5% cashback on grocery, dining and fuel, AED 399 annual fee, from AED 5,000
Emirates Islamic Switch Cashback Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 10,000
HighlightUp to 8% cashback in switchable Lifestyle mode (grocery included), from AED 10,000
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on eligible Choithrams spend, no separate card annual fee, qualifying plan required, from AED 5,000
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 use a credit card at Choithrams
1.
Choithrams has no co-brand — general grocery cards lead
Unlike LuLu or Carrefour, Choithrams has no dedicated co-branded credit card. The best return at Choithrams checkouts comes from general grocery cashback cards that earn at any supermarket.
2.
EI Cashback Plus delivers the highest grocery rate
Emirates Islamic Cashback Plus earns up to 10% on grocery (capped monthly) including Choithrams. Lounge access bundled in justifies the AED 299 fee for regular grocery and travel users.
3.
Choithrams online and app orders qualify
Choithrams orders placed via choithrams.com or the Choithrams app code as grocery merchant transactions, qualifying for grocery cashback rates on most cards.
How to choose the right card for Choithrams
1.
Grocery-heavy spender: EI Cashback Plus
If grocery is your biggest monthly category, the 10% EI Cashback Plus rate at Choithrams pays for the annual fee many times over compared to flat 2% alternatives.
2.
Mixed spender from AED 5,000 salary: FAB Cashback or Dubai First
FAB Cashback (5% grocery/dining/fashion) and Dubai First Cashback (5% grocery/dining/fuel) both earn at Choithrams and across broader daily spend.
8 cards in the UAE
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
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 313.95
- Up to 10% cashback on groceries, education, dining, telecom
- Unlimited airport lounge access
- 2 rounds of complimentary golf per month
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 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
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
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
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
RAKBANK
RAKBANK Elevate Credit Card
- Salary: AED 35,000+
- Tier fee from AED 51.45/month
- Up to 4 RAKrewards/AED
- Up to 3.2% travel value
- Privilege: 0% bank FX fee
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 5,000–35,000 |
| 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 5,000–35,000 |
| 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 Credit Cards for Choithrams UAE 2026
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