Dubai First Cashback Credit Card

You earn 5% cashback on supermarket, dining, and fuel spending, capped at AED 200 per cycle per category. All other international and domestic retail spending earns 0.50% cashback, and special categories earn 0.15%. Those are the three cashback tiers on this card.

The annual fee is AED 418.95. Dubai First waives it for the first year if you're a UAE National or have a salary of AED 50,000 or more. Outside of that, the fee applies as normal.

You need a minimum monthly salary of AED 5,000 and must be at least 21 years old to apply. There's no minimum credit limit requirement listed for this card.

Apply by 30 September 2025 and spend AED 10,000 within 60 days of card issuance to get a free 1-night staycation at Rixos Bab Al Bahr in Ras Al Khaimah for 2 adults and 2 children up to 12 years old. It includes all-inclusive access to premium restaurants, private beach access, multiple pools, and water activities.

You get unlimited complimentary airport lounge access. You also get up to 4 standard VOX Cinemas movie tickets a month from AED 20 each, plus a soft drink and popcorn size upgrade, as long as you spent AED 4,000 the previous month.

Late payments cost AED 230, and going over your credit limit costs AED 288.75. The monthly interest rate is 3.99%, and cash advances carry a fee of AED 100 minimum or 3.99% of the amount withdrawn. International transactions add a 3.27% fee, and disputing a transaction costs AED 25.