Best Credit Cards for Sephora UAE 2026
Compare UAE cards for Sephora.
See cardsLast updated: - Sourced from official issuer documents and product pages.
SIB earns 10% online, Liv Cashback Plus earns up to 4% in-store, and Wio earns 2% on eligible purchases. No Sephora co-brand exists.
Best for in-store Sephora
TABBY
Tabby Card
≈ AED 2,400 potential value / year
5% cashback on selected categories with Plus
Up to 40 days to pay in full; optional payment plans
Additional cashback with selected partners
Best for sephora.ae
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 heavy spender
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 VOX B1G1 offers + 25% off F&B from AED 40
Best Credit Cards for Sephora 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 | N/A | 5% cashback at Sephora when cosmetics is one of your 3 selected monthly Tabby+ categories (cap AED 200/month). AED 49/month subscription, no minimum salary, UAE-only |
| AED 199 (waivable) | AED 8,000 | 10% cashback on sephora.ae online orders when coded as online MCC, AED 300/month cap, from AED 8,000 |
| AED 735 | AED 15,000 | Tiered cashback: 4% above AED 15,000 monthly spend, 2% above AED 7,000. AED 735 fee, from AED 15,000 |
 | AED 1,575 | AED 25,000 | 3% flat cashback on every Sephora transaction, capped AED 1,500/month, AED 1,575 annual fee, from AED 25,000 |
 | AED 588 (waivable) | AED 7,000 | 2% on eligible Sephora spend, no separate card annual fee, qualifying plan required, from AED 7,000 |
 | AED 735 | AED 15,000 | 2.5% effective on domestic Sephora spend, lounge + golf, AED 735 fee, 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 617.40 (waivable) | AED 35,000 | Up to 4 Rewards points/AED on eligible Sephora spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 588 | N/A | 5% cashback at Sephora when cosmetics is one of your 3 selected monthly Tabby+ categories (cap AED 200/month). AED 49/month subscription, no minimum salary, UAE-only |
| AED 199 (waivable) | AED 8,000 | 10% cashback on sephora.ae online orders when coded as online MCC, AED 300/month cap, from AED 8,000 |
| AED 735 | AED 15,000 | Tiered cashback: 4% above AED 15,000 monthly spend, 2% above AED 7,000. AED 735 fee, from AED 15,000 |
| AED 1,575 | AED 25,000 | 3% flat cashback on every Sephora transaction, capped AED 1,500/month, AED 1,575 annual fee, from AED 25,000 |
| AED 588 (waivable) | AED 7,000 | 2% on eligible Sephora spend, no separate card annual fee, qualifying plan required, from AED 7,000 |
| AED 735 | AED 15,000 | 2.5% effective on domestic Sephora spend, lounge + golf, AED 735 fee, 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 617.40 (waivable) | AED 35,000 | Up to 4 Rewards points/AED on eligible Sephora spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000 |
Tabby Card
Annual feeAED 588
Min. salaryN/A
Highlight5% cashback at Sephora when cosmetics is one of your 3 selected monthly Tabby+ categories (cap AED 200/month). AED 49/month subscription, no minimum salary, UAE-only
SIB Cashback Credit Card
Annual feeAED 199 (waivable)
Min. salaryAED 8,000
Highlight10% cashback on sephora.ae online orders when coded as online MCC, AED 300/month cap, from AED 8,000
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightTiered cashback: 4% above AED 15,000 monthly spend, 2% above AED 7,000. AED 735 fee, from AED 15,000
Invest Bank World Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight3% flat cashback on every Sephora transaction, capped AED 1,500/month, AED 1,575 annual fee, from AED 25,000
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 7,000
Highlight2% on eligible Sephora spend, no separate card annual fee, qualifying plan required, from AED 7,000
Emirates Islamic Flex Elite Credit Card
Annual feeAED 735
Min. salaryAED 15,000
Highlight2.5% effective on domestic Sephora spend, lounge + golf, AED 735 fee, 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 617.40 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED on eligible Sephora spend; only Privilege removes the bank FX surcharge; tier-based monthly fee, from AED 35,000
October 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 Sephora
1.
Sephora is the UAE's leading premium beauty retailer
Sephora operates 50+ UAE stores plus sephora.ae online. In-store transactions code as cosmetics retail (MCC 5977 under retail); online orders may code as online MCC — different best cards apply.
2.
Cosmetics MCC is retail, not fashion
Cards advertising '5% fashion' (FAB Cashback) do NOT extend that rate to cosmetics. Sephora's in-store transactions code as cosmetics retail, earning the base rate on most fashion-focused cards.
3.
Sephora Beauty Insider stacks with cashback
Sephora's Beauty Insider points programme rewards purchases independently of credit card cashback. Stack both for maximum value.
How to choose the right card for Sephora
1.
Online at sephora.ae: SIB Cashback at 10%
For sephora.ae orders, SIB Cashback's 10% online rate applies when the merchant codes as online MCC, up to the AED 300/month online cap. Highest cashback option in the category.
2.
In-store at malls: Tabby+, Liv Cashback Plus or Wio
For in-store Sephora purchases, Tabby+ leads at 5% when cosmetics is selected monthly. Liv Cashback Plus can earn 4% above AED 15K monthly card spend, while Wio earns 2% on eligible purchases with a qualifying plan.
8 cards in the UAE
TABBY
Tabby Card
- Use anywhere Visa is accepted in the UAE; personal credit limit varies
- Monthly Fee: up to AED 49
- 5% cashback on selected categories with Plus
- Up to 40 days to pay in full; optional payment plans
- Additional cashback with selected partners
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 VOX B1G1 offers + 25% off F&B from AED 40
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
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
3.8/5
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 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 Sephora UAE 2026
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Paying at Sephora in store
One confirmed Sephora outlet: the merchant category code its terminal sends, the evidence behind it, and the card that earns most there. How Kredit Nearby works
Sephora
Dubai
Merchant category code
VerifiedMCC 5977 · Cosmetic Stores
Kredit reads this as cosmetics & beauty spending.
Evidence
Confirmed from repeated payments at this outlet.
Card to use here
FAB Emirati Islamic Credit Card
First Abu Dhabi Bank (FAB)
4.49%reward rate
Capped at 500,000 points / month · 200,000 points / month.
Also compared
Emirates Islamic Emarati Credit Card · 2.50%
Strongest modelled value among eligible cards with no annual fee at the assumed spend.
Modelled on AED 5,000 monthly spend. Your own cards change the answer.
Before you pay at Sephora
Sephora MCC code
The merchant category code Sephora uses and the spending category it earns as.
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