No Tim Hortons co-brand — general dining cashback wins.
Best Credit Cards for Tim Hortons UAE 2026
Compare UAE credit cards for Tim Hortons: ADCB 365 (6% dining), HSBC Live+ (6% dining capped), FAB Cashback (5% dining) and flat-rate alternatives.
See cardsLast updated: - Updated monthly using latest public card terms and bank data.
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
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
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 Credit Cards for Tim Hortons 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 (waivable) | AED 5,000 | 6% dining at Tim Hortons up to AED 200/month — Tim Hortons' low-ticket coffee fits the cap perfectly. First year free, from AED 5,000 |
| AED 383.25 | AED 8,000 | 6% dining cashback at Tim Hortons (needs AED 5,000/month total), from AED 8,000 |
 | AED 315 | AED 5,000 | 5% dining cashback at Tim Hortons, AED 300 annual fee, from AED 5,000 |
 | AED 418.95 | AED 5,000 | 5% dining including Tim Hortons, AED 399 annual fee, from AED 5,000 |
 | AED 313.95 | AED 12,000 | Up to 10% on dining including Tim Hortons, lounge access, AED 299 annual fee, from AED 12,000 |
 | AED 313.95 (waivable) | AED 10,000 | Up to 8% cashback in Lifestyle mode (Tim Hortons included), from AED 10,000 |
 | AED 588 | AED 5,000 | 5% cashback at Tim Hortons 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 Tim Hortons 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 (waivable) | AED 5,000 | 6% dining at Tim Hortons up to AED 200/month — Tim Hortons' low-ticket coffee fits the cap perfectly. First year free, from AED 5,000 |
| AED 383.25 | AED 8,000 | 6% dining cashback at Tim Hortons (needs AED 5,000/month total), from AED 8,000 |
| AED 315 | AED 5,000 | 5% dining cashback at Tim Hortons, AED 300 annual fee, from AED 5,000 |
| AED 418.95 | AED 5,000 | 5% dining including Tim Hortons, AED 399 annual fee, from AED 5,000 |
| AED 313.95 | AED 12,000 | Up to 10% on dining including Tim Hortons, lounge access, AED 299 annual fee, from AED 12,000 |
| AED 313.95 (waivable) | AED 10,000 | Up to 8% cashback in Lifestyle mode (Tim Hortons included), from AED 10,000 |
| AED 588 | AED 5,000 | 5% cashback at Tim Hortons 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 Tim Hortons spend, no separate card annual fee, qualifying plan required, from AED 5,000 |
HSBC Live+ Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 5,000
Highlight6% dining at Tim Hortons up to AED 200/month — Tim Hortons' low-ticket coffee fits the cap perfectly. First year free, from AED 5,000
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 8,000
Highlight6% dining cashback at Tim Hortons (needs AED 5,000/month total), from AED 8,000
FAB Cashback Credit Card
Annual feeAED 315
Min. salaryAED 5,000
Highlight5% dining cashback at Tim Hortons, AED 300 annual fee, from AED 5,000
Dubai First Cashback Credit Card
Annual feeAED 418.95
Min. salaryAED 5,000
Highlight5% dining including Tim Hortons, AED 399 annual fee, from AED 5,000
Emirates Islamic Cashback Plus Credit Card
Annual feeAED 313.95
Min. salaryAED 12,000
HighlightUp to 10% on dining including Tim Hortons, lounge access, AED 299 annual fee, from AED 12,000
Emirates Islamic Switch Cashback Credit Card
Annual feeAED 313.95 (waivable)
Min. salaryAED 10,000
HighlightUp to 8% cashback in Lifestyle mode (Tim Hortons included), from AED 10,000
Tabby Card
Annual feeAED 588
Min. salaryAED 5,000
Highlight5% cashback at Tim Hortons 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 Tim Hortons 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 Tim Hortons
1.
Tim Hortons is the UAE's largest fast-food coffee chain by transaction count
Tim Hortons has 150+ UAE branches and tops the UAE fast-food coffee category by transaction volume. Daily buyers easily clock AED 500–800/month — strong cashback compounding.
2.
Tim Hortons codes as fast food (MCC 5814) at most stores
Some Tim Hortons branches code under fast food MCC rather than dining. Both categories qualify for dining cashback on most UAE cards, but check terms for any sub-category exclusions.
3.
Drive-thru and dine-in earn identically
Tim Hortons drive-thru, dine-in and Tims Express orders all code as restaurant or fast-food MCC and qualify for dining cashback.
How to choose the right card for Tim Hortons
1.
Daily Tim Hortons buyer: ADCB 365 or HSBC Live+
ADCB 365's 6% dining and HSBC Live+'s 6% (capped at AED 200/month) are the highest dining rates on accessible cards. ADCB 365 needs AED 5K monthly total spend; HSBC Live+ has no minimum spend.
2.
Occasional visitor: Wio at 2%
Wio earns 2% on eligible Tim Hortons purchases with no separate card annual fee; a qualifying plan and shared cap apply.
8 cards in the UAE
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
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
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 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
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 Tim Hortons UAE 2026
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