Best Credit Cards for Starbucks UAE 2026
Compare UAE credit cards for Starbucks: ADCB 365 (6% dining), HSBC Live+ (6% capped), FAB Cashback (5% dining), Emirates Islamic Cashback Plus (up to 10% dining) and flat 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
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
HSBC
HSBC Live+ Credit Card
≈ AED 8,264 potential value / year · incl. perks
Up to AED 800 welcome cashback
6% dining cashback
5% fuel cashback
Best Credit Cards for Starbucks 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% on dining at Starbucks — highest rate on the daily Starbucks habit, plus airport lounge access, AED 299 fee, from AED 12,000 |
| AED 383.25 | AED 8,000 | 6% dining cashback at Starbucks (needs AED 5,000/month total), from AED 8,000 |
| AED 313.95 (waivable) | AED 5,000 | 6% dining cashback at Starbucks (cap AED 200/month), first year free, from AED 5,000 |
 | AED 315 | AED 5,000 | 5% dining cashback at Starbucks, AED 300 annual fee, from AED 5,000 |
 | AED 418.95 | AED 5,000 | 5% dining including Starbucks, AED 399 annual fee, from AED 5,000 |
 | AED 313.95 (waivable) | AED 10,000 | Up to 8% cashback in switchable Lifestyle mode (dining included), from AED 10,000 |
 | AED 588 | AED 5,000 | 5% cashback at Starbucks when dining is a Tabby+ monthly category (cap AED 200/month). No minimum salary, AED 49/month subscription |
 | AED 588 (waivable) | AED 5,000 | 2% on eligible Starbucks spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 313.95 | AED 12,000 | Up to 10% on dining at Starbucks — highest rate on the daily Starbucks habit, plus airport lounge access, AED 299 fee, from AED 12,000 |
| AED 383.25 | AED 8,000 | 6% dining cashback at Starbucks (needs AED 5,000/month total), from AED 8,000 |
| AED 313.95 (waivable) | AED 5,000 | 6% dining cashback at Starbucks (cap AED 200/month), first year free, from AED 5,000 |
| AED 315 | AED 5,000 | 5% dining cashback at Starbucks, AED 300 annual fee, from AED 5,000 |
| AED 418.95 | AED 5,000 | 5% dining including Starbucks, AED 399 annual fee, from AED 5,000 |
| AED 313.95 (waivable) | AED 10,000 | Up to 8% cashback in switchable Lifestyle mode (dining included), from AED 10,000 |
| AED 588 | AED 5,000 | 5% cashback at Starbucks when dining is a Tabby+ monthly category (cap AED 200/month). No minimum salary, AED 49/month subscription |
| AED 588 (waivable) | AED 5,000 | 2% on eligible Starbucks spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
Emirates Islamic Cashback Plus Credit Card
Annual feeAED 313.95
Min. salaryAED 12,000
HighlightUp to 10% on dining at Starbucks — highest rate on the daily Starbucks habit, plus airport lounge access, AED 299 fee, from AED 12,000
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 8,000
Highlight6% dining cashback at Starbucks (needs AED 5,000/month total), from AED 8,000
HSBC Live+ Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 5,000
Highlight6% dining cashback at Starbucks (cap AED 200/month), first year free, from AED 5,000
FAB Cashback Credit Card
Annual feeAED 315
Min. salaryAED 5,000
Highlight5% dining cashback at Starbucks, AED 300 annual fee, from AED 5,000
Dubai First Cashback Credit Card
Annual feeAED 418.95
Min. salaryAED 5,000
Highlight5% dining including Starbucks, AED 399 annual fee, from AED 5,000
Emirates Islamic Switch Cashback Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 10,000
HighlightUp to 8% cashback in switchable Lifestyle mode (dining included), from AED 10,000
Tabby Card
Annual feeAED 588
Min. salaryAED 5,000
Highlight5% cashback at Starbucks when dining is a Tabby+ monthly category (cap AED 200/month). No minimum salary, AED 49/month subscription
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on eligible Starbucks spend, no separate card annual fee, qualifying plan required, from AED 5,000
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 Starbucks
1.
Starbucks operates 150+ UAE stores
Starbucks UAE (operated by Alshaya) has stores across all seven emirates, plus the Starbucks app for ordering ahead. All locations code as dining or fast-food MCC.
2.
Starbucks Rewards stacks with credit card cashback
Stars in the Starbucks Rewards programme earn independently of credit card cashback. Pay with a cashback card via the Starbucks app for maximum combined return.
3.
Mobile order and pay also earns cashback
Mobile orders placed through the Starbucks app code as dining transactions and qualify for the card's dining cashback rate.
How to choose the right card for Starbucks
1.
Daily Starbucks buyer: ADCB 365 or HSBC Live+
ADCB 365's 6% dining (needs AED 5K monthly total spend) and HSBC Live+'s 6% (capped AED 200/month) are the highest dining cashback rates available.
2.
Premium spender: EI Cashback Plus
If household dining and grocery spend justify the AED 299 fee, EI Cashback Plus's up to 10% dining rate at Starbucks plus lounge access pays back quickly.
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
HSBC
HSBC Live+ Credit Card
- Salary: AED 5,000+
- First year fee-free
- Up to AED 800 welcome cashback
- 6% dining cashback
- 5% fuel cashback
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
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
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
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 5,000–12,000 |
| 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 5,000–12,000 |
| 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 Starbucks UAE 2026
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