ENBD Noon One is the top pick for Noon shoppers: it earns 20% back as noon credits on noon food and 5% back on noon.com, with no annual fee and a AED 500 welcome bonus. Model your monthly noon Credits to see exactly how much you'd earn. Mashreq Noon is a strong alternative with 5% across a broader named set of Noon ecosystem brands. Both cards are shown from AED 5,000 monthly salary.
Best Credit Cards for Noon in the UAE 2026
Compare the best credit cards for Noon shoppers in the UAE: ENBD Noon One (up to 20% back on noon food), Mashreq Noon, and flat cashback alternatives that work across all online stores.
Last updated: - Updated monthly using latest public card terms and rewards data.
EMIRATES NBD
ENBD noon One Visa Credit Card
≈ AED 24,776 potential value / year · incl. perks · incl. welcome bonus
4.1/5
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
MASHREQ BANK
Mashreq Noon Credit Card
≈ AED 18,120 potential value / year · incl. perks
Welcome Bonus: AED 500
Free Delivery on Noon Express
Up to 5% cashback on noon purchases
Instant Digital Card
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 Noon in the 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 |
|---|---|---|---|
| Free | AED 5,000 | 20% back as noon credits on noon food; 5% back on noon.com; no annual fee from AED 5,000 |
| Free | AED 5,000 | 5% back as noon credits across the Noon ecosystem, from AED 5,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on online and digital wallet spend; 2% international; first year fee waived |
 | AED 588 (waivable) | AED 5,000 | 2% on most eligible online spend; 2% foreign transaction fee; qualifying plan required |
 | AED 735 | AED 15,000 | Up to 4% tiered cashback on everyday spend; no annual fee |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | 20% back as noon credits on noon food; 5% back on noon.com; no annual fee from AED 5,000 |
| Free | AED 5,000 | 5% back as noon credits across the Noon ecosystem, from AED 5,000 |
| AED 199 (waivable) | AED 8,000 | 10% cashback on online and digital wallet spend; 2% international; first year fee waived |
| AED 588 (waivable) | AED 5,000 | 2% on most eligible online spend; 2% foreign transaction fee; qualifying plan required |
| AED 735 | AED 15,000 | Up to 4% tiered cashback on everyday spend; no annual fee |
ENBD noon One Visa Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight20% back as noon credits on noon food; 5% back on noon.com; no annual fee from AED 5,000
Mashreq Noon Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight5% back as noon credits across the Noon ecosystem, from AED 5,000
SIB Cashback Credit Card
Annual feeAED 199 (waivable)
Min. salaryAED 8,000
Highlight10% cashback on online and digital wallet spend; 2% international; first year fee waived
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on most eligible online spend; 2% foreign transaction fee; qualifying plan required
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% tiered cashback on everyday spend; no annual fee
Why use a credit card for Noon shopping
1.
Platform cards earn far more on Noon than general cards
ENBD Noon One earns 20% back on noon food and 5% on noon.com — rates no general cashback card can match. If Noon is your primary marketplace, a platform card pays back significantly more on the same spend.
2.
Noon credits vs cash — know the difference
Noon One and Mashreq Noon credits can only be spent on Noon properties. If you want real cash back to your account, cashback cards like SIB or Wio give you AED rewards outside the Noon ecosystem.
3.
Flat cashback cards protect you from platform dependency
If you also shop on Amazon, Carrefour Online, Namshi, or international sites, a flat cashback card earns consistently across all of them — no switching cards, no rate gaps.
Best for
Best cards for Noon shoppers
ENBD Noon One and Mashreq Noon are purpose-built for the Noon ecosystem, earning the highest rates on noon.com and noon food with rewards credited as noon credits.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- 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
MASHREQ BANK
Mashreq Noon Credit Card
- Welcome Bonus: AED 500
- Free Delivery on Noon Express
- Up to 5% cashback on noon purchases
Best alternative
Best cashback alternatives for Noon shoppers
These flat cashback cards earn on every online purchase including noon — no noon credits, just cash credited to your statement — and work across all other marketplaces too.
3.8/5
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
- 10% Cashback on online and digital wallet spends
- 2% Cashback on international spends
- 1% Cashback on domestic retail spends
WIO BANK
Wio Credit Card
- 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
- Up to 4% Cashback on all spends
- Cashback or Skywards Miles
- 3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
How to pick the right card
1.
Noon-only shopper: pick the platform card
If at least 60–70% of your online spend goes through Noon channels, ENBD Noon One will almost always outperform any flat cashback card. The 20% on noon food alone typically delivers more value than any alternative.
2.
Mixed shopper: flat cashback wins
Noon One earns just 1% outside the Noon ecosystem. If you split spending across Noon, Amazon, and other sites, SIB Cashback (10% online) or Wio (2% on most eligible purchases) can deliver more consistent overall returns.
3.
Consider stacking both
Both Noon One and SIB Cashback are free for the first year (SIB) or free for life (Noon One). Using Noon One for Noon purchases and SIB or Wio for everything else is a valid strategy with no extra cost.
Find your match
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Answer a few quick questions and we'll match you to your best-fit UAE credit card — then help you check you qualify before you apply.
5 cards in the UAE
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
MASHREQ BANK
Mashreq Noon Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500
- Free Delivery on Noon Express
- Up to 5% cashback on noon purchases
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
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
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 5,000–15,000 |
| 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 5,000–15,000 |
| 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 Noon in the UAE 2026
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