Best Restaurant & Dining Credit Cards in the UAE
The strongest restaurant-cashback cards in the UAE pay 5–6% on dining MCCs with manageable monthly caps.
See cardsLast updated: - Updated monthly using latest public card terms and rewards data.
ADCB 365 leads at 6% on dining (cap AED 1,000/month, AED 5,000 minimum spend); Mashreq Cashback returns 5% on dining with no annual fee; HSBC Live+ also pays 6% but caps at AED 500. For delivery specifically, ADCB Talabat earns 35% on Talabat orders, and ENBD Noon One returns 20% on noon food.
Pick by where you actually eat. In-restaurant cards win on weekend dinners; delivery co-brands win on weeknight orders. Free-for-life options (Mashreq Cashback, Liv Cashback+) keep year-one cost predictable.
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
≈ AED 12,132 potential value / year · incl. perks
6% cashback on dining (including online food orders)
5% cashback on fuel and Salik
3% cashback on groceries and supermarkets
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)
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Talabat Credit Card
≈ AED 9,286 potential value / year · incl. perks
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 lounge visits/year
Best Restaurant & Dining Credit Cards in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 383.25 | AED 8,000 | Up to 6% dining cashback with broad everyday category coverage |
| Free | AED 5,000 | 5% dining and restaurant cashback with a simple 1% base rate |
 | AED 418.95 | AED 5,000 | 5% dining cashback with defined monthly category caps |
 | AED 315 | AED 5,000 | 5% dining cashback in a category-led structure |
 | AED 735 | AED 15,000 | Up to 4% tiered cashback suitable for mixed dining and daily spend |
 | Free | AED 5,000 | Free-for-life cashback option for restaurant and delivery spend |
| Free | AED 5,000 | Talabat-led value for frequent food-delivery users |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 383.25 | AED 8,000 | Up to 6% dining cashback with broad everyday category coverage |
| Free | AED 5,000 | 5% dining and restaurant cashback with a simple 1% base rate |
| AED 418.95 | AED 5,000 | 5% dining cashback with defined monthly category caps |
| AED 315 | AED 5,000 | 5% dining cashback in a category-led structure |
| AED 735 | AED 15,000 | Up to 4% tiered cashback suitable for mixed dining and daily spend |
| Free | AED 5,000 | Free-for-life cashback option for restaurant and delivery spend |
| Free | AED 5,000 | Talabat-led value for frequent food-delivery users |
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 8,000
HighlightUp to 6% dining cashback with broad everyday category coverage
Mashreq Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight5% dining and restaurant cashback with a simple 1% base rate
Dubai First Cashback Credit Card
Annual feeAED 418.95
Min. salaryAED 5,000
Highlight5% dining cashback with defined monthly category caps
FAB Cashback Credit Card
Annual feeAED 315
Min. salaryAED 5,000
Highlight5% dining cashback in a category-led structure
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% tiered cashback suitable for mixed dining and daily spend
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightFree-for-life cashback option for restaurant and delivery spend
ADCB Talabat Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightTalabat-led value for frequent food-delivery users
Use case
Restaurant dining spend
These cards are commonly shortlisted for regular restaurant and cafe spend where category caps and transaction coding determine realized cashback.
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
Food delivery and app spend
If most dining transactions happen via delivery apps, these picks can outperform generic restaurant cards depending on merchant-network fit.
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Talabat Credit Card
- 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)
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
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
No annual fee dining options
For users who want restaurant cashback without an annual-fee commitment, these cards are practical dining-focused options.
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)
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Talabat Credit Card
- 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)
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
- Up to 2% Cashback on all spends
- Cashback or Skywards Miles
- 2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
7 cards in the UAE
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
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)
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
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
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
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)
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 5,000–15,000 |
| 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 5,000–15,000 |
| 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 Restaurant & Dining Credit Cards in the UAE
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