No Nesto co-brand exists — general grocery cashback wins.
Best Credit Cards for Nesto Hypermarket UAE 2026
Compare UAE credit cards for Nesto Hypermarket shoppers: Emirates Islamic Cashback Plus (10% grocery), ADCB 365 (3%), FAB Cashback (5%), and free-for-life alternatives.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
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
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
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
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 8,000 | 3% grocery cashback at Nesto on bulk baskets once monthly card spend reaches AED 5,000; AED 383.25 annual fee, from AED 8,000 |
| AED 313.95 | AED 12,000 | Up to 10% cashback on groceries including Nesto, lounge access, AED 299 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 10,000 | Up to 8% cashback in switchable Lifestyle mode (grocery included), from AED 10,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible Nesto spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
 | 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 8,000 | 3% grocery cashback at Nesto on bulk baskets once monthly card spend reaches AED 5,000; AED 383.25 annual fee, from AED 8,000 |
| AED 313.95 | AED 12,000 | Up to 10% cashback on groceries including Nesto, lounge access, AED 299 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 10,000 | Up to 8% cashback in switchable Lifestyle mode (grocery included), from AED 10,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible Nesto spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
| 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 8,000
Highlight3% grocery cashback at Nesto on bulk baskets once monthly card spend reaches AED 5,000; AED 383.25 annual fee, from AED 8,000
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 299 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 10,000
HighlightUp to 8% cashback in switchable Lifestyle mode (grocery included), from AED 10,000
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on eligible Nesto spend, no separate card annual fee, qualifying plan required, from AED 5,000
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
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 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 299 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 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
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
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
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
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
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
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
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