Best Credit Cards for Nesto Hypermarket UAE 2026
Compare UAE credit cards for Nesto Hypermarket shoppers.
See cardsLast updated: - Sourced from official issuer documents and product pages.
Good to know
Options include Emirates Islamic Cashback Plus (10% grocery), ADCB 365 (3%), FAB Cashback (5%), and free-for-life alternatives. No Nesto co-brand exists — general grocery cashback wins.
Broad Nesto option
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
≈ AED 9,732 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
Highest grocery rate
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
Islamic≈ 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
Best no-card-fee
WIO BANK
Wio Credit Card
≈ AED 7,200 potential value / year
2% Cashback on most spends
0.5% on card bills
Up to AED 2,500/month
Up to 600 ENTERTAINER offers
Best Credit Cards for Nesto Hypermarket 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 383.25 | AED 5,000 | 3% grocery cashback at Nesto on bulk baskets once monthly card spend reaches AED 5,000; AED 383.25 annual fee, from AED 5,000 |
| AED 313.95 | AED 12,000 | Up to 10% cashback on groceries including Nesto, lounge access, AED 313.95 annual fee, from AED 12,000 |
 | 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 313.95 (waivable) | AED 5,000 | Up to 8% cashback in switchable Lifestyle mode (grocery included), from AED 10,000 |
| AED 588 (waivable) | AED 7,000 | 2% on eligible Nesto spend, no separate card annual fee, qualifying plan required, from AED 7,000 |
 | AED 735 | AED 15,000 | Up to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 383.25 | AED 5,000 | 3% grocery cashback at Nesto on bulk baskets once monthly card spend reaches AED 5,000; AED 383.25 annual fee, from AED 5,000 |
| AED 313.95 | AED 12,000 | Up to 10% cashback on groceries including Nesto, lounge access, AED 313.95 annual fee, from AED 12,000 |
| 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 313.95 (waivable) | AED 5,000 | Up to 8% cashback in switchable Lifestyle mode (grocery included), from AED 10,000 |
| AED 588 (waivable) | AED 7,000 | 2% on eligible Nesto spend, no separate card annual fee, qualifying plan required, from AED 7,000 |
| AED 735 | AED 15,000 | Up to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000 |
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 5,000
Highlight3% grocery cashback at Nesto on bulk baskets once monthly card spend reaches AED 5,000; AED 383.25 annual fee, from AED 5,000
Emirates Islamic Cashback Plus Credit Card
Annual feeAED 313.95
Min. salaryAED 12,000
HighlightUp to 10% cashback on groceries including Nesto, lounge access, AED 313.95 annual fee, from AED 12,000
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
Emirates Islamic Switch Cashback Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 5,000
HighlightUp to 8% cashback in switchable Lifestyle mode (grocery included), from AED 10,000
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 7,000
Highlight2% on eligible Nesto spend, no separate card annual fee, qualifying plan required, from AED 7,000
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% tiered cashback on all spend, AED 735 annual fee, from AED 15,000
November 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
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
Why use a credit card at Nesto Hypermarket
1.
Nesto is value-led — pair it with high-cashback cards
Nesto's competitive pricing makes the marginal cashback gain bigger in absolute terms. Pairing low Nesto prices with a 5–10% grocery cashback card maximises real savings on the same basket.
2.
No Nesto co-brand exists
Unlike LuLu or Carrefour, Nesto does not partner with any UAE bank on a co-branded card. General grocery cashback cards deliver the best in-store return at Nesto.
3.
Multiple branches across Dubai, Sharjah, Abu Dhabi
Nesto Hypermarket has 50+ branches across the UAE. All locations code as grocery MCC, so cashback cards apply consistently regardless of branch.
How to choose the right card for Nesto
1.
Budget-conscious household: compare fee versus grocery cashback
ADCB 365 earns 3% grocery after AED 5K monthly spend but carries an AED 383.25 annual fee. Wio earns 2% on eligible Nesto spend with no separate card fee, so compare any Wio plan cost for lighter baskets.
2.
Premium spender: EI Cashback Plus
If monthly grocery spend is large, EI Cashback Plus at 10% recovers the AED 313.95 annual fee within the first month of grocery use and adds airport lounge access on top.
8 cards in the UAE
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
- Salary: AED 5,000+
- 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
EMIRATES ISLAMIC
IslamicEmirates 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
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
EMIRATES ISLAMIC
IslamicEmirates Islamic Switch Cashback Credit Card
- Salary: AED 5,000+
- 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
WIO BANK
Wio Credit Card
- Salary: AED 7,000+
- No Annual Fee with Wio Plan
- 2% Cashback on most spends
- 0.5% on card bills
- Up to AED 2,500/month
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 VOX B1G1 offers + 25% off F&B from AED 40
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 Nesto Hypermarket UAE 2026
Compare head-to-head
See all
Paying at Nesto in store
One confirmed Nesto outlet: how sure Kredit is of its category, and the card that earns most there. How Kredit Nearby works
Nesto
Dubai
Spending category
Grocery
Kredit reads Nesto as grocery spending.
Card to use here
UAB Platinum Credit Card
United Arab Bank (UAB)
Up to 5.00%reward rate
Capped at AED 500 / month.
Also compared
FAB Cashback Credit Card · Up to 5.00%
Highest rate here
Dubai First Cashback Credit Card · 5.00%
Highest rate here
Modelled on AED 5,000 monthly spend. Your own cards change the answer.
Before you pay at Nesto
Best card to pay with at Nesto
The credit card that earns most when you pay at Nesto, with the current bank offers.
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.