ADCB 365 Cashback is a strong multi-category pick (6% dining, 5% fuel and Salik, 3% groceries, 0.5% utilities/telecom). Emirates Islamic Cashback Plus (10% on groceries with airport lounge access) is the alternative when grocery spend dominates.
Best Cashback Credit Cards in the UAE at AED 25,000 Salary
Compare the best cashback credit cards available at AED 25,000 monthly salary — ADCB 365 (6% dining), SIB (10% online), Emirates Islamic Cashback Plus (10% groceries with lounges), Liv Cashback+, plus free entry picks.
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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
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
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 Cashback Credit Cards in the UAE at AED 25,000 Salary 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+ | 6% on dining, 5% on fuel and Salik, 3% on groceries, 0.5% on utilities/telecom — strong UAE multi-category cashback |
 | AED 299 | AED 12,000+ | Up to 10% cashback on groceries, dining, education, telecom — plus unlimited complimentary airport lounge access |
| Free first year | AED 8,000+ | 10% cashback on online and digital-wallet spends — strongest UAE rate for e-commerce-heavy users |
 | AED 735 | AED 15,000+ | Up to 4% tiered cashback (AED 1,500/mo cap) plus lounge access — convertible to Skywards Miles |
 | AED 418.95 | AED 5,000+ | 5% cashback on groceries, dining and fuel with instant redemption |
 | Free | AED 5,000+ | Free-for-life 5% on dining, 1% on everything else — pair with a category specialist for full coverage |
| No separate card fee | AED 5,000+ | 2% on most eligible spend, 0.5% on selected categories, plus ENTERTAINER |
 | Free | AED 5,000+ | Free-for-life with up to 2% tiered cashback — convertible to Skywards Miles in the Liv app |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 383.25 | AED 8,000+ | 6% on dining, 5% on fuel and Salik, 3% on groceries, 0.5% on utilities/telecom — strong UAE multi-category cashback |
| AED 299 | AED 12,000+ | Up to 10% cashback on groceries, dining, education, telecom — plus unlimited complimentary airport lounge access |
| Free first year | AED 8,000+ | 10% cashback on online and digital-wallet spends — strongest UAE rate for e-commerce-heavy users |
| AED 735 | AED 15,000+ | Up to 4% tiered cashback (AED 1,500/mo cap) plus lounge access — convertible to Skywards Miles |
| AED 418.95 | AED 5,000+ | 5% cashback on groceries, dining and fuel with instant redemption |
| Free | AED 5,000+ | Free-for-life 5% on dining, 1% on everything else — pair with a category specialist for full coverage |
| No separate card fee | AED 5,000+ | 2% on most eligible spend, 0.5% on selected categories, plus ENTERTAINER |
| Free | AED 5,000+ | Free-for-life with up to 2% tiered cashback — convertible to Skywards Miles in the Liv app |
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 8,000+
Highlight6% on dining, 5% on fuel and Salik, 3% on groceries, 0.5% on utilities/telecom — strong UAE multi-category cashback
Emirates Islamic Cashback Plus Credit Card
Annual feeAED 299
Min. salaryAED 12,000+
HighlightUp to 10% cashback on groceries, dining, education, telecom — plus unlimited complimentary airport lounge access
SIB Cashback Credit Card
Annual feeFree first year
Min. salaryAED 8,000+
Highlight10% cashback on online and digital-wallet spends — strongest UAE rate for e-commerce-heavy users
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000+
HighlightUp to 4% tiered cashback (AED 1,500/mo cap) plus lounge access — convertible to Skywards Miles
Dubai First Cashback Credit Card
Annual feeAED 418.95
Min. salaryAED 5,000+
Highlight5% cashback on groceries, dining and fuel with instant redemption
Mashreq Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000+
HighlightFree-for-life 5% on dining, 1% on everything else — pair with a category specialist for full coverage
Wio Credit Card
Annual feeNo separate card fee
Min. salaryAED 5,000+
Highlight2% on most eligible spend, 0.5% on selected categories, plus ENTERTAINER
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000+
HighlightFree-for-life with up to 2% tiered cashback — convertible to Skywards Miles in the Liv app
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 choose Cashback AED 25,000+
1.
Salary doesn't unlock better cashback at this tier
AED 25,000 salary doesn't unlock any cashback card you couldn't already get at AED 12,000. The best UAE cashback cards (ADCB 365, EI Cashback Plus, SIB) all qualify from AED 8,000–12,000. Use the extra headroom to pair cards rather than chase a higher salary tier.
2.
Pair a specialist with a flat-rate card
The strongest setup at AED 25K salary is usually two cards: a category specialist (ADCB 365 for dining/groceries, SIB for online, EI Cashback Plus for premium groceries with lounges) plus a broad-rate backup (Wio or Liv Cashback). The combination usually beats either card alone on net annual return.
3.
Watch caps and minimum-spend conditions
ADCB 365's 6% dining is capped at AED 1,000/month total cashback with a AED 5,000 minimum spend. SIB's 10% online is capped at AED 300/month. EI Cashback Plus caps individual categories monthly. Headline rates rarely tell the full annual story — model your actual monthly spend against caps before deciding.
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
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
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
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
3.4/5
MASHREQ BANK
Mashreq Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 Welcome Bonus
- Unlimited 5% Cashback on dining.
- 1% Cashback on international spends (non-dining)
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 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
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 Cashback Credit Cards in the UAE at AED 25,000 Salary
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