Best Mawarid Cashback on School Fees

2%. Mawarid's Falak Tayyeb programme names grocery, dining and fuel as its bonus categories and pays 2% on all other eligible local and international retail spend. Education is not a named category on any of the four tiers, and school fees are not on the excluded list, so they earn that 2% rate.

All four pay the same 2% on school fees, so the choice comes down to the rest of your spending and the annual fee. Titanium and Platinum are free for life, which makes the 2% a pure return. World and World Elite only beat them once your grocery, dining and fuel spend is large enough to earn back AED 525 or AED 1,050 through the higher monthly ceiling.

Two of the four do. Titanium and Platinum are free for life. World charges AED 525 a year and World Elite AED 1,050, and each is waived once yearly card spend reaches AED 30,000 and AED 50,000 respectively.

Yes, two of them. Each bonus category has its own monthly cap — on World Elite, AED 750 on groceries, AED 750 on dining and AED 250 on fuel. On top of that sits a total monthly ceiling of AED 5,000 on World Elite, AED 3,500 on World, AED 2,500 on Platinum and AED 1,500 on Titanium, which includes the category cashback rather than sitting above it.

Government payments, utilities, telecom, charity, rent, insurance, cash withdrawals and quasi-cash transactions such as Easy Cash and balance transfers are all excluded. Mawarid determines every category from the merchant category code the payment network sends with the transaction.