Dubai First Cashback Credit Card

You earn 5% cashback on qualifying UAE-dirham supermarket, dining, and fuel spending, capped at AED 150 per statement cycle per category. Other eligible international and domestic retail spending earns 0.50%, and listed special categories earn 0.15%. Total cashback across all categories is capped at AED 1,000 per statement cycle.

The annual fee is AED 418.95. Dubai First advertises a first-year-free offer on its current product page.

You need a minimum monthly salary of AED 5,000 to apply. There's no minimum credit limit requirement listed for this card, and the issuer does not publish a minimum age.

New-to-card applicants who apply by 30 September 2026 and are approved by 8 October can qualify for a one-person Holiday Factory package after AED 20,000 of eligible spend within 30 days for Paris, or AED 10,000 for Azerbaijan or Uzbekistan. Paris is limited to the first 300 qualifying bookings; annual fee and travel conditions apply.

The issuer advertises complimentary access through Mastercard Travel Pass but does not publish a visit allowance. You can also get up to four standard VOX tickets monthly from AED 20 each if you spent AED 4,000 in the previous month.

The current Key Fact Statement lists a 3.99% monthly retail finance charge, a 2.88% international transaction fee plus scheme charges, and a cash advance fee of 3.15% or AED 157.50, whichever is higher.