Top UAE grocery cards return up to 10% cashback at participating supermarkets — Carrefour, Lulu, Spinneys, Choithrams, Géant, and others. Flat-cashback cards typically pay 0.5%-2% at any grocer. The gap between a customer's best card and the one they use by default is often AED 30-50 per visit. A Kredit QR closes that gap.