No Spinneys co-brand exists — general grocery cashback wins.
Best Credit Cards for Spinneys UAE 2026
Compare UAE credit cards for Spinneys shoppers: Emirates Islamic Cashback Plus earns up to 10% on grocery, ADCB 365 earns 3%, plus Liv Tamayaz and other multi-category alternatives.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
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
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
Best Credit Cards for Spinneys 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 313.95 | AED 12,000 | Up to 10% cashback on groceries including Spinneys, lounge access, AED 299 annual fee, from AED 12,000 |
| AED 383.25 | AED 8,000 | 3% grocery cashback at Spinneys (needs AED 5,000/month total spend), from AED 8,000 |
 | AED 313.95 (waivable) | AED 10,000 | Up to 8% cashback on spends in switchable Lifestyle mode (grocery included), from AED 10,000 |
 | AED 315 | AED 5,000 | 5% cashback on groceries, dining and fashion, AED 300 annual fee, from AED 5,000 |
 | AED 418.95 | AED 5,000 | 5% cashback on groceries, dining and fuel, AED 399 annual fee, from AED 5,000 |
 | AED 735 | AED 15,000 | Up to 4% tiered cashback on all spend including Spinneys, AED 735 annual fee, from AED 15,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible Spinneys spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
 | AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED; grocery earns the published reduced rate; only Privilege removes the bank FX surcharge, from AED 35,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 313.95 | AED 12,000 | Up to 10% cashback on groceries including Spinneys, lounge access, AED 299 annual fee, from AED 12,000 |
| AED 383.25 | AED 8,000 | 3% grocery cashback at Spinneys (needs AED 5,000/month total spend), from AED 8,000 |
| AED 313.95 (waivable) | AED 10,000 | Up to 8% cashback on spends in switchable Lifestyle mode (grocery included), from AED 10,000 |
| AED 315 | AED 5,000 | 5% cashback on groceries, dining and fashion, AED 300 annual fee, from AED 5,000 |
| AED 418.95 | AED 5,000 | 5% cashback on groceries, dining and fuel, AED 399 annual fee, from AED 5,000 |
| AED 735 | AED 15,000 | Up to 4% tiered cashback on all spend including Spinneys, AED 735 annual fee, from AED 15,000 |
| AED 588 (waivable) | AED 5,000 | 2% on eligible Spinneys spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED; grocery earns the published reduced rate; only Privilege removes the bank FX surcharge, from AED 35,000 |
Emirates Islamic Cashback Plus Credit Card
Annual feeAED 313.95
Min. salaryAED 12,000
HighlightUp to 10% cashback on groceries including Spinneys, lounge access, AED 299 annual fee, from AED 12,000
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 8,000
Highlight3% grocery cashback at Spinneys (needs AED 5,000/month total spend), from AED 8,000
Emirates Islamic Switch Cashback Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 10,000
HighlightUp to 8% cashback on spends in switchable Lifestyle mode (grocery included), from AED 10,000
FAB Cashback Credit Card
Annual feeAED 315
Min. salaryAED 5,000
Highlight5% cashback on groceries, 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 groceries, dining and fuel, AED 399 annual fee, from AED 5,000
Liv Cashback+ Credit Card
Annual feeAED 735
Min. salaryAED 15,000
HighlightUp to 4% tiered cashback on all spend including Spinneys, AED 735 annual fee, from AED 15,000
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on eligible Spinneys spend, no separate card annual fee, qualifying plan required, from AED 5,000
RAKBANK Elevate Credit Card
Annual feeAED 51.45 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED; grocery earns the published reduced rate; only Privilege removes the bank FX surcharge, from AED 35,000
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 Spinneys
1.
No Spinneys co-brand exists — general grocery cards win
Unlike LuLu (ENBD/ADCB co-brands) or Carrefour (SHARE), there is no Spinneys-specific credit card in the UAE. General grocery cashback cards deliver the highest return at Spinneys checkouts.
2.
EI Cashback Plus tops the grocery list at 10%
Emirates Islamic Cashback Plus earns up to 10% on grocery including Spinneys, capped monthly. It pairs the highest grocery rate with airport lounge access, justifying the AED 299 annual fee for frequent grocery spenders.
3.
Spinneys delivery and Mall apps earn the same rate
Spinneys orders placed via the Spinneys app or Talabat/Deliveroo grocery surface generally code as grocery merchants. Cards earning on grocery MCC will reward both in-store and delivery transactions.
How to choose the right card for Spinneys
1.
Heavy grocery spender: EI Cashback Plus or ADCB 365
If groceries are a top monthly category, EI Cashback Plus (10%) or ADCB 365 (5% with AED 5K spend) materially out-earn flat cashback options at Spinneys, even after the annual fee.
2.
Low-effort everyday card: Wio or Liv
If you split spend across many merchants, Wio pays 2% on most eligible purchases with an AED 2,500 shared cap and qualifying-plan requirement. Liv Cashback Plus suits higher salaries with tiered upside.
8 cards in the UAE
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
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 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
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
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
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
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 Spinneys UAE 2026
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