Best Credit Cards for Kibsons UAE
Compare UAE credit cards for Kibsons online grocery delivery: EI Cashback Plus earns up to 10% on grocery MCC including Kibsons.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
FAB Cashback and Dubai First earn 5% on grocery. Note: SIB Cashback earns only 0.5% on Kibsons — grocery MCC (5411) overrides the online channel rate.
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
≈ AED 10,990 potential value / year · incl. perks
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
≈ 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
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
Best Credit Cards for Kibsons 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 313.95 | AED 12,000 | Up to 10% cashback on grocery MCC including Kibsons, lounge access, AED 299 annual fee, from AED 12,000 |
 | AED 313.95 (waivable) | AED 10,000 | Up to 8% cashback on spends including grocery, AED 300 annual fee (waived first year), from AED 10,000 |
| AED 315 | AED 5,000 | 5% cashback on grocery, dining and fashion, AED 300 annual fee, from AED 5,000 |
 | AED 418.95 | AED 5,000 | 5% cashback on grocery, dining and fuel, AED 399 annual fee, from AED 5,000 |
| AED 383.25 | AED 8,000 | 3% grocery cashback (needs AED 5,000/month total), 6% dining, 5% fuel and Salik, from AED 8,000 |
 | AED 588 (waivable) | AED 5,000 | 2% on eligible grocery spend — no separate card annual fee, qualifying plan required, from AED 5,000 |
 | AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED; grocery earns the published reduced rate; only Privilege removes the bank FX surcharge, from AED 35,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 313.95 | AED 12,000 | Up to 10% cashback on grocery MCC including Kibsons, lounge access, AED 299 annual fee, from AED 12,000 |
| AED 313.95 (waivable) | AED 10,000 | Up to 8% cashback on spends including grocery, AED 300 annual fee (waived first year), from AED 10,000 |
| AED 315 | AED 5,000 | 5% cashback on grocery, dining and fashion, AED 300 annual fee, from AED 5,000 |
| AED 418.95 | AED 5,000 | 5% cashback on grocery, dining and fuel, AED 399 annual fee, from AED 5,000 |
| AED 383.25 | AED 8,000 | 3% grocery cashback (needs AED 5,000/month total), 6% dining, 5% fuel and Salik, from AED 8,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible grocery spend — no separate card annual fee, qualifying plan required, from AED 5,000 |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED; grocery earns the published reduced rate; only Privilege removes the bank FX surcharge, from AED 35,000 |
Emirates Islamic Cashback Plus Credit Card
Annual feeAED 313.95
Min. salaryAED 12,000
HighlightUp to 10% cashback on grocery MCC including Kibsons, lounge access, AED 299 annual fee, from AED 12,000
Emirates Islamic Switch Cashback Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 10,000
HighlightUp to 8% cashback on spends including grocery, AED 300 annual fee (waived first year), from AED 10,000
FAB Cashback Credit Card
Annual feeAED 315
Min. salaryAED 5,000
Highlight5% cashback on grocery, dining and fashion, AED 300 annual fee, from AED 5,000
Dubai First Cashback Credit Card
Annual feeAED 418.95
Min. salaryAED 5,000
Highlight5% cashback on grocery, dining and fuel, AED 399 annual fee, from AED 5,000
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 8,000
Highlight3% grocery cashback (needs AED 5,000/month total), 6% dining, 5% fuel and Salik, from AED 8,000
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on eligible grocery spend — no separate card annual fee, qualifying plan required, from AED 5,000
RAKBANK Elevate Credit Card
Annual feeAED 51.45 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED; grocery earns the published reduced rate; only Privilege removes the bank FX surcharge, 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 Kibsons orders
1.
Grocery category cards earn on Kibsons regardless of channel
Kibsons transactions carry grocery MCC (5411). Cards that earn on the grocery category — like EI Cashback Plus, FAB Cashback, and ADCB 365 — earn at their grocery rate automatically, whether the purchase is in-store or online.
2.
Premium produce makes cashback more valuable
Kibsons is known for organic and imported fresh produce, which typically costs more than standard grocery. Higher per-order values mean cashback accumulates meaningfully over a month.
3.
Channel-based 'online' cards do not earn their headline rate at Kibsons
Cards like SIB Cashback earn 10% on online-channel MCCs (fashion, electronics, booking sites), but grocery MCC overrides the channel classification — Kibsons earns 0.5% on SIB, not 10%.
How to choose the right card for Kibsons
1.
Prioritise grocery-category cards, not online-channel cards
EI Cashback Plus (up to 10% grocery) and ADCB 365 (3% grocery) earn by MCC category, so they apply at Kibsons. 'Online cashback' cards only earn their elevated rate when the MCC is an online-channel code, not 5411.
2.
Also shopping in-store: EI Cashback Plus or ADCB 365 are more versatile
Both apply in-store and online across all supermarkets — strong picks whether you split between Kibsons deliveries and physical supermarket visits.
7 cards in the UAE
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
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
- Salary: AED 10,000+
- No Annual Fee for the first year
- Welcome Offer: AED 500 Cashback points
- Up to 8% cashback on your spends
- Switch between Lifestyle or Travel cashback category
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
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
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
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
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 Kibsons UAE
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.