Wio earns 2% on eligible H&M purchases with no separate card fee and a qualifying-plan requirement (from AED 5,000). FAB Cashback earns 5% on fashion MCC at H&M (cap AED 150/month, AED 300 fee, from AED 5,000) — best for heavier shoppers. SIB Cashback earns 10% on hm.com/ae online orders when coded as online MCC (from AED 8,000).
Best Credit Cards for H&M UAE 2026
Compare UAE credit cards for H&M shoppers: Wio 2% on eligible purchases, FAB Cashback (5% fashion), SIB Cashback (10% online for hm.com/ae) and tiered alternatives.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
WIO BANK
Wio Credit Card
≈ AED 7,200 potential value / year
2% Cashback on all spends
0.5% Cashback on Other Credit Card Bills
Total Cashback up to AED 2,500/month
Up to 600 ENTERTAINER offers
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
Best Credit Cards for H&M 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 588 (waivable) | AED 5,000 | 2% on eligible H&M spend with no separate card annual fee — qualifying Wio plan required, from AED 5,000 |
| AED 315 | AED 5,000 | 5% cashback on fashion MCC at H&M, AED 150/month cap, AED 300 annual fee, from AED 5,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on hm.com/ae online orders 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 card spend, AED 735 fee, from AED 15,000 |
 | AED 1,575 | AED 25,000 | 3% flat cashback on every H&M transaction, capped AED 1,500/month, AED 1,575 annual fee, from AED 25,000 |
 | 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 H&M 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 588 (waivable) | AED 5,000 | 2% on eligible H&M spend with no separate card annual fee — qualifying Wio plan required, from AED 5,000 |
| AED 315 | AED 5,000 | 5% cashback on fashion MCC at H&M, AED 150/month cap, AED 300 annual fee, from AED 5,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on hm.com/ae online orders 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 card spend, AED 735 fee, from AED 15,000 |
| AED 1,575 | AED 25,000 | 3% flat cashback on every H&M transaction, capped AED 1,500/month, AED 1,575 annual fee, from AED 25,000 |
| 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 H&M spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on eligible H&M spend with no separate card annual fee — qualifying Wio plan required, from AED 5,000
FAB Cashback Credit Card
Annual feeAED 315
Min. salaryAED 5,000
Highlight5% cashback on fashion MCC at H&M, 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 hm.com/ae online orders 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 card spend, AED 735 fee, from AED 15,000
Invest Bank World Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight3% flat cashback on every H&M transaction, capped AED 1,500/month, AED 1,575 annual fee, from AED 25,000
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 H&M 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 at H&M
1.
H&M operates 30+ UAE stores plus a strong online presence
H&M has stores across Dubai, Abu Dhabi, Sharjah and the northern emirates, plus hm.com/ae. In-store transactions code as fashion MCC; online orders may code as online MCC — different best cards apply.
2.
H&M Kids shares fashion MCC; H&M Home may differ
H&M Kids codes under family/children's clothing MCC, qualifying for fashion cashback. H&M Home (homewares) may code under household goods/retail MCC and earn the card's base or retail rate.
3.
Family-budget friendly — broad cashback often wins
H&M's value pricing means many small to mid-size baskets. Wio earns 2% on eligible purchases with no separate card fee, though plan cost may apply; FAB's 5% fashion needs enough monthly spend to recover its AED 300 annual fee (≈ AED 500 in fashion-MCC spend per month).
How to choose the right card for H&M
1.
Light to moderate H&M shopper: Wio at 2%
If your H&M spend is under AED 500/month, compare Wio's 2% on eligible H&M purchases and any plan cost against FAB Cashback's 5% fashion (which costs AED 300/year to maintain).
2.
Heavy H&M and broader fashion buyer: FAB Cashback
If you spend AED 500–3,000/month across H&M, Zara and other fashion-MCC retailers, FAB Cashback's 5% (cap AED 150/month) recovers the AED 300 annual fee and outperforms Wio.
3.
Online hm.com/ae: SIB Cashback
For hm.com/ae online orders coded as online MCC, SIB Cashback's 10% online rate (cap AED 300/month) is the highest available.
7 cards in the UAE
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
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
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 H&M UAE 2026
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