Tabby Card delivers 5% on pharmacy as a selectable monthly category; Wio earns 2% on eligible purchases, Invest Bank Platinum and World both earn 3%, and Liv Cashback Plus up to 4% complete the lineup.
Best Credit Cards for Pharmacy UAE 2026
Compare UAE credit cards for pharmacy spending at Aster, Life Pharmacy, Medicina, Boots, Nahdi and other chains.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
TABBY
Tabby Card
≈ AED 2,400 potential value / year
5% cashback on selected categories with Plus
Split payments in 4
Additional cashback with selected partners
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
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
≈ AED 15,328 potential value / year · incl. perks · Cashback mode
Up to 4% Cashback on all spends
Cashback or Skywards Miles
3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
Best Credit Cards for Pharmacy 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 588 | AED 5,000 | 5% cashback when pharmacy is one of your 3 selected monthly Tabby+ categories (cap AED 200/month). AED 49/month subscription, no minimum salary, UAE-only |
| AED 588 (waivable) | AED 5,000 | 2% on eligible pharmacy spend with no separate card annual fee — qualifying plan required, from AED 5,000 |
 | AED 525 | AED 7,000 | 3% flat cashback on every transaction including pharmacy, monthly cap AED 1,000, AED 525 annual fee (free year 1), from AED 5,000 |
| AED 735 | AED 15,000 | Tiered all-spend cashback: 4% above AED 15,000 monthly spend, 2% above AED 7,000, 1% base. AED 735 annual fee, from AED 15,000 |
 | AED 1,575 | AED 25,000 | 3% flat cashback on every transaction including pharmacy, higher monthly cap AED 1,500, AED 1,575 annual fee, from AED 25,000 |
 | AED 735 (waivable) | AED 15,000 | 2.5% effective on domestic spend including pharmacy, 3.75% international, lounge + golf, AED 735 fee (waived at AED 100K annual retail spend through 31 August 2026), from AED 15,000 |
 | Free | AED 5,000 | Tiered all-spend cashback: up to 2% above AED 10,000 monthly spend, free for life, from AED 5,000 |
 | AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED on eligible pharmacy spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
 | AED 315 (waivable) | AED 8,000 | 1% on pharmacy as part of all-other-spend cashback, free for first year, from AED 8,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 588 | AED 5,000 | 5% cashback when pharmacy is one of your 3 selected monthly Tabby+ categories (cap AED 200/month). AED 49/month subscription, no minimum salary, UAE-only |
| AED 588 (waivable) | AED 5,000 | 2% on eligible pharmacy spend with no separate card annual fee — qualifying plan required, from AED 5,000 |
| AED 525 | AED 7,000 | 3% flat cashback on every transaction including pharmacy, monthly cap AED 1,000, AED 525 annual fee (free year 1), from AED 5,000 |
| AED 735 | AED 15,000 | Tiered all-spend cashback: 4% above AED 15,000 monthly spend, 2% above AED 7,000, 1% base. AED 735 annual fee, from AED 15,000 |
| AED 1,575 | AED 25,000 | 3% flat cashback on every transaction including pharmacy, higher monthly cap AED 1,500, AED 1,575 annual fee, from AED 25,000 |
| AED 735 (waivable) | AED 15,000 | 2.5% effective on domestic spend including pharmacy, 3.75% international, lounge + golf, AED 735 fee (waived at AED 100K annual retail spend through 31 August 2026), from AED 15,000 |
| Free | AED 5,000 | Tiered all-spend cashback: up to 2% above AED 10,000 monthly spend, free for life, from AED 5,000 |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED on eligible pharmacy spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
| AED 315 (waivable) | AED 8,000 | 1% on pharmacy as part of all-other-spend cashback, free for first year, from AED 8,000 |
Tabby Card
Annual feeAED 588
Min. salaryAED 5,000
Highlight5% cashback when pharmacy is one of your 3 selected monthly Tabby+ categories (cap AED 200/month). AED 49/month subscription, no minimum salary, UAE-only
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on eligible pharmacy spend with no separate card annual fee — qualifying plan required, from AED 5,000
Invest Bank Platinum Credit Card
Annual feeAED 525
Min. salaryAED 7,000
Highlight3% flat cashback on every transaction including pharmacy, monthly cap AED 1,000, AED 525 annual fee (free year 1), from AED 5,000
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightTiered all-spend cashback: 4% above AED 15,000 monthly spend, 2% above AED 7,000, 1% base. AED 735 annual fee, from AED 15,000
Invest Bank World Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight3% flat cashback on every transaction including pharmacy, higher monthly cap AED 1,500, AED 1,575 annual fee, from AED 25,000
Emirates Islamic Flex Elite Credit Card
Annual feeAED 735 (waivable)
Min. salaryAED 15,000
Highlight2.5% effective on domestic spend including pharmacy, 3.75% international, lounge + golf, AED 735 fee (waived at AED 100K annual retail spend through 31 August 2026), from AED 15,000
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightTiered all-spend cashback: up to 2% above AED 10,000 monthly spend, free for life, from AED 5,000
RAKBANK Elevate Credit Card
Annual feeAED 51.45 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED on eligible pharmacy spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000
Citi Cashback Credit Card
Annual feeAED 315 (waivable)
Min. salaryAED 8,000
Highlight1% on pharmacy as part of all-other-spend cashback, free for first year, from AED 8,000
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 pharmacies
1.
Tabby Card is the only UAE card that pays 5% on pharmacy
Tabby+ lets you select pharmacy as one of 3 monthly 5% categories. With the AED 200/month shared cashback cap, that is up to AED 200 cashback across AED 4,000 of selected-category spend — no other tracked UAE card features pharmacy at that rate.
2.
Pharmacy spend is recurring — small but reliable
Chronic medication, family healthcare and vitamins push pharmacy spend to AED 200–800/month for many UAE households. A 2–5% cashback compounds across the year.
3.
Insurance reimbursement stacks with card cashback
If your health insurance reimburses pharmacy purchases, card cashback applies separately on the gross transaction. Pay with the card to earn cashback first, then claim with your insurer.
How to choose the right card for pharmacy
1.
Pharmacy-focused buyer: Tabby Card with Tabby+
If pharmacy is one of your top 3 monthly spend categories, Tabby+ at AED 49/month unlocks 5% on pharmacy — the highest published rate. Net positive once monthly pharmacy spend exceeds ~AED 1,000 (offsetting the AED 49 subscription).
2.
Low-effort everyday card: Wio at 2%
Wio's 2% on eligible pharmacy transactions has no separate card annual fee; a qualifying plan and AED 2,500 shared monthly cap apply.
3.
Flat 3% without a salary jump: Invest Bank Platinum
From AED 5,000 salary, Invest Bank Platinum pays 3% flat on every transaction including pharmacy, capped at AED 1,000/month. Annual fee AED 525 is waived in year 1 — recovers in year 2 at roughly AED 1,500 monthly pharmacy spend.
4.
High monthly card spender: Liv Cashback Plus or Invest Bank World
Total monthly card spend above AED 15,000 unlocks Liv Cashback Plus's 4% tier on pharmacy. From AED 25,000 salary, Invest Bank World keeps the 3% flat rate with a higher AED 1,500/month cap — better for households whose pharmacy spend exceeds AED 1,000/month.
9 cards in the UAE
TABBY
Tabby Card
- Use anywhere with up to AED 10,000 to spend
- Monthly Fee: up to AED 49
- 5% cashback on selected categories with Plus
- Split payments in 4
- Additional cashback with selected partners
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
INVEST BANK
Invest Bank Platinum Credit Card
- Salary: AED 7,000+
- No Annual Fee for the first year
- Flat 3% cashback on all spends (up to AED 1,000/month)
- Access to 25+ VIP Airport Lounges
- 20% off Careem rides (3 rides/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
INVEST BANK
Invest Bank World Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Flat 3% cashback on all spends (up to AED 1,500/month)
- Complimentary Airport Transfers with Careem
- Complimentary 1 GB of data roaming with Flexiroam once a year
3.9/5
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- EI SmartMiles welcome offer
- 3.75% cashback on international spend
- Unlimited rounds of golf
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
- Salary: AED 5,000+
- Free for life
- Up to 2% Cashback on all spends
- Cashback or Skywards Miles
- 2 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
CITIBANK
Citi Cashback Credit Card
- Salary: AED 8,000+
- No Annual Fee for the first year
- 3% Cashback on non-AED spends
- 2% Cashback on grocery/supermarket spends
- 1% Cashback on all other spend
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 Pharmacy UAE 2026
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