Get notified about UAE latest credit card products
Get notified about UAE latest credit card products
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
Welcome Bonus: AED 1,000 equivalent
10% cashback at Union Coop
3% cashback on international spends
EMIRATES NBD
Up to 7% LuLu Points on spends.
Welcome Offer: 500 LuLu Points
Unlimited Lounge Access: 25+ lounges available.
ABU DHABI COMMERCIAL BANK (ADCB)
6% cashback on dining (including online food orders)
5% cashback on fuel and Salik
3% cashback on groceries and supermarkets
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
Tamayaz Platinum Credit Card
Liv Cashback+ Credit Card
ENBD Lulu 247 Platinum Credit Card
ENBD Lulu 247 Titanium Credit Card
ADCB LuLu Platinum Credit Card
ADCB 365 Cashback Credit Card
Emirates Islamic Amazon World Credit Card
ENBD noon One Visa Credit Card
Mashreq Noon Credit Card
FAB Z Credit Card
Wio Credit Card
Best for
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
LIV DIGITAL BANK BY EMIRATES NBD
LIV DIGITAL BANK BY EMIRATES NBD
Best for
For shoppers spending heavily at LuLu, co-branded LuLu cards can materially outperform general cashback cards on store-specific value.
EMIRATES NBD
ABU DHABI COMMERCIAL BANK (ADCB)
EMIRATES NBD
Best for
For grocery-adjacent household purchases via Amazon.ae, these cards are strong references for online checkout value and broad cashback coverage.
EMIRATES ISLAMIC
LIV DIGITAL BANK BY EMIRATES NBD
ABU DHABI COMMERCIAL BANK (ADCB)
Best for
If you buy groceries and household items through noon channels, these noon co-branded and cashback cards are the most relevant shortlist.
EMIRATES NBD
MASHREQ BANK
LIV DIGITAL BANK BY EMIRATES NBD
Best for
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
FIRST ABU DHABI BANK (FAB)
WIO BANK
Best for
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
ABU DHABI COMMERCIAL BANK (ADCB)
WIO BANK
17 cards in the UAE
LIV DIGITAL BANK BY EMIRATES NBD
LIV DIGITAL BANK BY EMIRATES NBD
EMIRATES NBD
EMIRATES NBD
ABU DHABI COMMERCIAL BANK (ADCB)
ABU DHABI COMMERCIAL BANK (ADCB)
EMIRATES ISLAMIC
ABU DHABI COMMERCIAL BANK (ADCB)
CBD
DUBAI FIRST
FIRST ABU DHABI BANK (FAB)
EMIRATES ISLAMIC
EMIRATES NBD
MASHREQ BANK
LIV DIGITAL BANK BY EMIRATES NBD
FIRST ABU DHABI BANK (FAB)
WIO BANK
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.
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
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.
Common questions about Best Grocery Credit Cards in the UAE
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