FAB Cashback earns 5% on fashion MCC, SIB Cashback earns 10% online, plus flat-rate alternatives.
Best Credit Cards for Fashion UAE 2026
Compare UAE credit cards for fashion spend at Zara, H&M, Mango, Centrepoint, Brands For Less, Ounass, Namshi and other clothing retailers.
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
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
≈ AED 10,816 potential value / year · incl. perks
3.8/5
10% Cashback on online and digital wallet spends
2% Cashback on international spends
1% Cashback on domestic retail spends
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
≈ AED 15,328 potential value / year · incl. perks · Cashback mode
Up to 4% Cashback on all spends
Cashback or Skywards Miles
3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
Best Credit Cards for Fashion 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 fashion MCC (Zara, H&M, Centrepoint and similar), AED 150/month cap, AED 300 annual fee, from AED 5,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on online fashion (namshi.com, ounass.ae, asos.ae) when coded as online MCC, AED 300/month cap, from AED 8,000 |
| AED 735 | AED 15,000 | Tiered cashback: 4% above AED 15,000 monthly spend, 2% above AED 7,000. AED 735 annual fee, from AED 15,000 |
 | AED 1,575 | AED 25,000 | 3% flat cashback on every fashion transaction, capped AED 1,500/month, AED 1,575 annual fee, from AED 25,000 |
 | AED 588 (waivable) | AED 5,000 | 2% on eligible fashion spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
 | AED 735 (waivable) | AED 15,000 | 2.5% effective on domestic fashion, lounge + golf, AED 735 fee (waived at AED 100K annual retail spend through 31 August 2026), from AED 15,000 |
 | Free | AED 5,000 | Tiered all-spend cashback: up to 2% above AED 10,000 monthly spend, free for life, from AED 5,000 |
 | AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED on eligible fashion spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 315 | AED 5,000 | 5% cashback on fashion MCC (Zara, H&M, Centrepoint and similar), AED 150/month cap, AED 300 annual fee, from AED 5,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on online fashion (namshi.com, ounass.ae, asos.ae) when coded as online MCC, AED 300/month cap, from AED 8,000 |
| AED 735 | AED 15,000 | Tiered cashback: 4% above AED 15,000 monthly spend, 2% above AED 7,000. AED 735 annual fee, from AED 15,000 |
| AED 1,575 | AED 25,000 | 3% flat cashback on every fashion transaction, capped AED 1,500/month, AED 1,575 annual fee, from AED 25,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible fashion spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
| AED 735 (waivable) | AED 15,000 | 2.5% effective on domestic fashion, lounge + golf, AED 735 fee (waived at AED 100K annual retail spend through 31 August 2026), from AED 15,000 |
| Free | AED 5,000 | Tiered all-spend cashback: up to 2% above AED 10,000 monthly spend, free for life, from AED 5,000 |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED on eligible fashion spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
FAB Cashback Credit Card
Annual feeAED 315
Min. salaryAED 5,000
Highlight5% cashback on fashion MCC (Zara, H&M, Centrepoint and similar), AED 150/month cap, AED 300 annual fee, from AED 5,000
SIB Cashback Credit Card
Annual feeAED 199 (waivable)
Min. salaryAED 8,000
Highlight10% cashback on online fashion (namshi.com, ounass.ae, asos.ae) when coded as online MCC, AED 300/month cap, from AED 8,000
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightTiered cashback: 4% above AED 15,000 monthly spend, 2% above AED 7,000. AED 735 annual fee, from AED 15,000
Invest Bank World Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight3% flat cashback on every fashion transaction, capped AED 1,500/month, AED 1,575 annual fee, from AED 25,000
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on eligible fashion spend, no separate card annual fee, qualifying plan required, from AED 5,000
Emirates Islamic Flex Elite Credit Card
Annual feeAED 735 (waivable)
Min. salaryAED 15,000
Highlight2.5% effective on domestic fashion, lounge + golf, AED 735 fee (waived at AED 100K annual retail spend through 31 August 2026), from AED 15,000
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightTiered all-spend cashback: up to 2% above AED 10,000 monthly spend, free for life, from AED 5,000
RAKBANK Elevate Credit Card
Annual feeAED 51.45 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED on eligible fashion spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000
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 for fashion
1.
Fashion MCC (5611–5699) gets the headline rate
FAB Cashback's 5% applies to fashion MCC codes (5611, 5641, 5651, 5661, 5691, 5699) — covering family clothing, men's, women's, kids', shoe stores and accessory shops. Zara, H&M, Mango, Centrepoint sub-brands all qualify.
2.
Online vs in-store: different best cards
In-store fashion rewards best on FAB Cashback (5% fashion, AED 150/month cap). Online fashion (namshi.com, ounass.ae, asos.ae) rewards best on SIB Cashback (10% online up to AED 300/month) when coded as online MCC.
3.
Heavy fashion buyers hit FAB's monthly cap
FAB Cashback's fashion rate caps at AED 150/month (≈ AED 3,000 fashion spend). Above that, Liv Cashback Plus's 4% tier (above AED 15,000 monthly card spend) or Invest Bank World's 3% flat (cap AED 1,500/month) outperform.
How to choose the right card for fashion
1.
Up to AED 3,000 monthly fashion: FAB Cashback at 5%
FAB Cashback's 5% fashion rate (cap AED 150/month) is the best in-store rate for moderate fashion shoppers from AED 5,000 salary. Stacks with 5% grocery and 5% dining.
2.
Heavy fashion buyer: Liv Cashback Plus or Invest Bank World
If monthly fashion spend exceeds AED 3,000, FAB's cap binds. Liv Cashback Plus's 4% (above AED 15K monthly card spend) or Invest Bank World's 3% flat (cap AED 1,500/month) extend higher.
3.
Online fashion: SIB Cashback at 10%
For namshi.com, ounass.ae and asos.ae orders, SIB Cashback's 10% online rate applies when the merchant codes as online MCC, up to the AED 300/month online cap.
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
3.8/5
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
- Salary: AED 8,000+
- No Annual Fee for the First Year
- 10% Cashback on online and digital wallet spends
- 2% Cashback on international spends
- 1% Cashback on domestic 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
INVEST BANK
Invest Bank World Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Flat 3% cashback on all spends (up to AED 1,500/month)
- Complimentary Airport Transfers with Careem
- Complimentary 1 GB of data roaming with Flexiroam once a year
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
3.9/5
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- EI SmartMiles welcome offer
- 3.75% cashback on international spend
- Unlimited rounds of golf
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
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 Fashion UAE 2026
Related Collections
Not sure which card to pick?
Try the UAE Credit Card Picker
Answer a few quick questions and we'll match the best UAE credit card to your monthly spending — personalised cashback, rewards and perks in under two minutes.