Best Grocery Credit Cards in the UAE
The highest grocery cashback rates in the UAE come from Liv Tamayaz World (10% at Union Coop, paid as Tamayaz Points) and Emirates Islamic Cashback Plus (10% on supermarkets, capped).
See cardsLast updated: - Updated monthly using latest public card terms and rewards data.
ADCB 365 pays 3% on grocery MCCs with no merchant restriction. Wio's 2% on eligible grocery spend (with a qualifying plan) and Liv Cashback's 2% (when monthly spend ≥ AED 10,000) cover daily small-basket spend without a separate card annual fee.
Grocery cards split into two strategies: chain-loyalty (LuLu co-brand at 7% Points, Tamayaz at Union Coop) or category-cashback that works at any supermarket. Match the card to where you actually shop weekly.
LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz World Credit Card
≈ AED 18,928 potential value / year · incl. perks
Welcome Bonus: AED 1,000 equivalent
10% cashback at Union Coop
3% cashback on international spends
EMIRATES NBD
ENBD Lulu 247 Platinum Credit Card
≈ AED 26,068 potential value / year · incl. perks
Up to 7% LuLu Points on spends.
Welcome Offer: 500 LuLu Points
Unlimited Lounge Access: 25+ lounges available.
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
Best Grocery 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 735 | AED 15,000 | 10% at Union Coop, AED 1,500/month grocery cap |
 | Free | AED 5,000 | 6% at Union Coop, AED 750/month grocery cap |
 | AED 735 | AED 15,000 | Up to 4% tiered cashback useful for mixed grocery and everyday spend |
| Free | AED 12,000 | Up to 7% LuLu Points at Lulu, unlimited lounge access |
 | Free | AED 5,000 | LuLu-focused earn structure for frequent LuLu supermarket shoppers |
 | Free | AED 8,000 | 8 LuLu Points per AED 1 at LuLu stores with no annual fee |
| AED 383.25 | AED 8,000 | 3% on grocery (needs AED 5K/month total spend) |
 | Free | AED 15,000 | Amazon-focused rewards for online grocery and household checkout |
 | Free | AED 5,000 | Noon-focused rewards for app-based grocery and essentials spend |
 | Free | AED 5,000 | Noon cashback structure suitable for frequent noon app users |
 | AED 105 | AED 5,000 | Useful Careem-linked value and app-led spend support for delivery-heavy users |
 | AED 588 (waivable) | AED 5,000 | 2% on most eligible spend — no separate card annual fee, qualifying plan required, from AED 5,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 735 | AED 15,000 | 10% at Union Coop, AED 1,500/month grocery cap |
| Free | AED 5,000 | 6% at Union Coop, AED 750/month grocery cap |
| AED 735 | AED 15,000 | Up to 4% tiered cashback useful for mixed grocery and everyday spend |
| Free | AED 12,000 | Up to 7% LuLu Points at Lulu, unlimited lounge access |
| Free | AED 5,000 | LuLu-focused earn structure for frequent LuLu supermarket shoppers |
| Free | AED 8,000 | 8 LuLu Points per AED 1 at LuLu stores with no annual fee |
| AED 383.25 | AED 8,000 | 3% on grocery (needs AED 5K/month total spend) |
| Free | AED 15,000 | Amazon-focused rewards for online grocery and household checkout |
| Free | AED 5,000 | Noon-focused rewards for app-based grocery and essentials spend |
| Free | AED 5,000 | Noon cashback structure suitable for frequent noon app users |
| AED 105 | AED 5,000 | Useful Careem-linked value and app-led spend support for delivery-heavy users |
| AED 588 (waivable) | AED 5,000 | 2% on most eligible spend — no separate card annual fee, qualifying plan required, from AED 5,000 |
Tamayaz World Credit Card
Annual feeAED 735
Min. salaryAED 15,000
Highlight10% at Union Coop, AED 1,500/month grocery cap
Tamayaz Platinum Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight6% at Union Coop, AED 750/month grocery cap
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% tiered cashback useful for mixed grocery and everyday spend
ENBD Lulu 247 Platinum Credit Card
Annual feeFree
Min. salaryAED 12,000
HighlightUp to 7% LuLu Points at Lulu, unlimited lounge access
ENBD Lulu 247 Titanium Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightLuLu-focused earn structure for frequent LuLu supermarket shoppers
ADCB LuLu Platinum Credit Card
Annual feeFree
Min. salaryAED 8,000
Highlight8 LuLu Points per AED 1 at LuLu stores with no annual fee
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 8,000
Highlight3% on grocery (needs AED 5K/month total spend)
Emirates Islamic Amazon World Credit Card
Annual feeFree
Min. salaryAED 15,000
HighlightAmazon-focused rewards for online grocery and household checkout
ENBD noon One Visa Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightNoon-focused rewards for app-based grocery and essentials spend
Mashreq Noon Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightNoon cashback structure suitable for frequent noon app users
FAB Z Credit Card
Annual feeAED 105
Min. salaryAED 5,000
HighlightUseful Careem-linked value and app-led spend support for delivery-heavy users
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on most eligible spend — no separate card annual fee, qualifying plan required, from AED 5,000
Best for
Union Coop grocery spend
If most supermarket spend is concentrated at Union Coop, these cards are the most relevant based on published Union Coop-linked reward structures.
LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz World Credit Card
- Welcome Bonus: AED 1,000 equivalent
- 10% cashback at Union Coop
- 3% cashback on international spends
LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz Platinum Credit Card
- 6% cashback at Union Coop
- 2% on domestic dining and fuel
- 1% on intl and domestic retail
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
- Up to 4% Cashback on all spends
- Cashback or Skywards Miles
- 3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
Best for
LuLu supermarket spend
For shoppers spending heavily at LuLu, co-branded LuLu cards can materially outperform general cashback cards on store-specific value.
EMIRATES NBD
ENBD Lulu 247 Platinum Credit Card
- Up to 7% LuLu Points on spends.
- Welcome Offer: 500 LuLu Points
- Unlimited Lounge Access: 25+ lounges available.
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB LuLu Platinum Credit Card
- 8 LuLu Points per AED 1 spent at LuLu stores
- Up to 1.25 LuLu Points per AED 1 spent on all other spends
- 4 lounge visits/year
EMIRATES NBD
ENBD Lulu 247 Titanium Credit Card
- Earn LuLu Points: Up to 3.5% cashback.
- 0% Balance Transfer - No Fees
- Complimentary Lounge Access: 10+ lounges.
Best for
Amazon grocery and online essentials
For grocery-adjacent household purchases via Amazon.ae, these cards are strong references for online checkout value and broad cashback coverage.
EMIRATES ISLAMIC
Emirates Islamic Amazon World Credit Card
- Welcome Bonus: AED 750 on AED 10,000 spend in 60 days
- Up to 6% back in Amazon Rewards on your spends with no cap
- Up to 2 free items at Costa at Dubai airports
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
- Up to 4% Cashback on all spends
- Cashback or Skywards Miles
- 3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
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
Best for
Noon grocery and app purchases
If you buy groceries and household items through noon channels, these noon co-branded and cashback cards are the most relevant shortlist.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- 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
MASHREQ BANK
Mashreq Noon Credit Card
- Welcome Bonus: AED 500
- Free Delivery on Noon Express
- Up to 5% cashback on noon purchases
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
- Up to 4% Cashback on all spends
- Cashback or Skywards Miles
- 3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
Best for
Careem food and grocery delivery
For users who rely on Careem for food and quick grocery deliveries, these cards are practical picks for app-led spend and delivery-heavy patterns.
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
- Up to 4% Cashback on all spends
- Cashback or Skywards Miles
- 3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
FIRST ABU DHABI BANK (FAB)
FAB Z Credit Card
- Free Careem Plus & Noon One for 1 year
- 20% off on monthly subscriptions to Netflix, PlayStation, YouTube, Spotify and more
- No FX fees abroad
WIO BANK
Wio Credit Card
- 2% Cashback on all spends
- 0.5% Cashback on Other Credit Card Bills
- Total Cashback up to AED 2,500/month
Best for
Kibsons grocery delivery
EI Cashback Plus earns up to 10% on grocery MCC including Kibsons, and ADCB 365 earns 3% on grocery — the strongest ongoing rates for Kibsons spend. Wio pays 2% on eligible Kibsons spend with a qualifying plan.
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
- 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
- 6% cashback on dining (including online food orders)
- 5% cashback on fuel and Salik
- 3% cashback on groceries and supermarkets
WIO BANK
Wio Credit Card
- 2% Cashback on all spends
- 0.5% Cashback on Other Credit Card Bills
- Total Cashback up to AED 2,500/month
17 cards in the UAE
LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz Platinum Credit Card
- Salary: AED 5,000+
- Free for life
- 6% cashback at Union Coop
- 2% on domestic dining and fuel
- 1% on intl and domestic retail
LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz World Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- Welcome Bonus: AED 1,000 equivalent
- 10% cashback at Union Coop
- 3% cashback on international spends
EMIRATES NBD
ENBD Lulu 247 Platinum Credit Card
- Salary: AED 12,000+
- No Annual Fee
- Up to 7% LuLu Points on spends.
- Welcome Offer: 500 LuLu Points
- Unlimited Lounge Access: 25+ lounges available.
EMIRATES NBD
ENBD Lulu 247 Titanium Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Earn LuLu Points: Up to 3.5% cashback.
- 0% Balance Transfer - No Fees
- Complimentary Lounge Access: 10+ lounges.
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB LuLu Platinum Credit Card
- Salary: AED 8,000+
- No Annual Fee
- 8 LuLu Points per AED 1 spent at LuLu stores
- Up to 1.25 LuLu Points per AED 1 spent on all other spends
- 4 lounge visits/year
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB LuLu Titanium Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 3.5 LuLu Points per AED 1 spent at LuLu stores
- Up to 1 LuLu Points per AED 1 spent on all other 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
CBD
CBD Super Saver Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first year
- Up to 10% Cashback on Bills, Education, Fuel.
- 50% off Cinema Tickets
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
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 Amazon World Credit Card
- Salary: AED 15,000+
- No Annual Fee
- Welcome Bonus: AED 750 on AED 10,000 spend in 60 days
- Up to 6% back in Amazon Rewards on your spends with no cap
- Up to 2 free items at Costa at Dubai airports
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
MASHREQ BANK
Mashreq Noon Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500
- Free Delivery on Noon Express
- Up to 5% cashback on noon purchases
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
FIRST ABU DHABI BANK (FAB)
FAB Z Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first year
- Free Careem Plus & Noon One for 1 year
- 20% off on monthly subscriptions to Netflix, PlayStation, YouTube, Spotify and more
- No FX fees abroad
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
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 Grocery Credit Cards in the UAE
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