Best Cashback Credit Cards in UAE

January 24, 2022 By: Bankbychoice.com0 comments

Best Cashback Credit Cards in UAE

Customers in the UAE have access to a smorgasbord of over 200 credit cards, which offer a variety of rewards and privileges. These cards come with a slew of loyalty advantages and reward points that will help you in a variety of ways. As a credit card holder, you can get a percentage of your purchases back as cashback at certain stores and points of sale. You may use your cashback credits to get special deals and discounts on shopping, dining, and other lifestyle purchases. With so many credit cards to pick from, deciding on the finest cash back card in the UAE might be challenging. The best cashback credit cards in UAE, as well as their characteristics and perks, are listed in the article below.

Cashback Credit Card in the UAE

Several credit cards in the UAE offer cashback as a percentage of your purchase at specific merchants and outlets as a loyalty incentive. Cashback credit cards are what they’re called. These cards provide up to a 10% discount on shopping, fuel, supermarkets, and other lifestyle expenses in the UAE. You may use the cashback you’ve earned to get further savings on a variety of purchases. Cashback is a monetary incentive that can only provide you with discounts, whereas reward points provide you with a variety of benefits that may be turned into shopping or vacation vouchers.

Top 10 Best Cashback Credit Cards in the UAE – 2022

For your convenience, we’ve compiled a list of the finest cash back cards in the UAE. To go through the list, look at the table below:

Cashback Credit Cards	Cashback on Various Credit Card Expenses
Emirates Islamic Cashback Plus Credit Card	Earn a 10% cashback on supermarket, education, dining, and telecom expenses.
FAB Cashback Credit Card	Earn a 5% cashback on shopping, fuel, utility expense
Citibank Citi Cashback Card	Earn a 3% cashback on non-AED spending
RAKBANK Titanium Card	Get a 5% cashback on supermarket and restaurant spending
ADIB Cashback Visa Platinum Card	Receive 1% cashback flat on each and every credit card expense
Mashreq Cashback Credit Card	Get 5% cashback on dining expenses
Dubai First Cashback Credit Card	Get up to 5% cashback on shopping and online purchases
ADIB Visa Cashback Card	Earn 1% cashback on each credit card expense anywhere anytime
Simply life Cashback Credit Card	Get 1% cashback on all expenses with a minimum monthly expense of AED 1,000
HSBC Cashback Credit Card	Earn 10% cashback on fuel expenses
NAJM One Cashback Card	Earn up to 10% cashback on various credit card expense

1. Emirates Islamic Cashback Plus Credit Card

Emirates Islamic Cashback Plus Credit Card is one of the most preferred sharia-compliant credit cards in the UAE. The cashback options on every expense is listed below.

Features of Emirates Islamic Cashback Plus Credit Card

5. ADIB Visa Cashback Platinum Credit Card

ADIB Visa Cashback Platinum credit card offers numerous privileges, loyalty benefits, including unlimited roadside assistance in the UAE. With the Cashback Platinum credit card, you receive cashback on various daily expenses within and outside the UAE. The following are the cashback earned on ADIB Visa Cashback Platinum Credit Card.

6. Mashreq Cashback Credit Card

With Mashreq Cashback credit cards, you can enjoy unlimited cashback on each credit card since there is no maximum limit for accruing cashback offers. Additionally, these cards do not include an annual fee. The best part is that you can avail these even at low salaries, making these one of the most affordable credit cards in the UAE. Here is a glimpse into the amount of cashback you can earn on Mashreq Cashback credit card.

Features of Mashreq Cashback Credit Card

• Earn up to 5% cashback on dining expenses in the UAE
• Receive up to 2% cashback on international spendings
• On all local spendings, you earn a flat 1% cashback
• Get 20% cashback for the first 6 months at Zomato and Netflix
• Avail of exclusive access to 2-for-1 deal on the Visa Entertainers app.

7. Dubai First Cashback Credit Card

With a Dubai First cashback credit card, you get instant cashback on your daily credit card expenses. You can conveniently redeem the cashback online and avail yourself of exclusive discounts to make your shopping experience more pleasurable. Additionally, the credit card offers easy financial management with easy payment plans, loans on the phone and balance transfer features.

Features of Dubai First Cashback Credit Card

• Earn 5% cashback on supermarket purchases
• Get 5% cashback on online shopping
• Receive 1% cashback on all other expenses anywhere anytime.
• As a welcome offer, you get AED 250 bonus cashback and 1-year complimentary Amazon Prime subscription
• Enjoy additional cashback at over 1,500 e-commerce sites and online shopping through ShopSmart
• Access to various shopping offers and handpicked experiences around the world
• Enjoy Buy1Get1 Offers on leisure, entertainment and movie tickets across the UAE.

8. ADIB Visa Cashback Credit Card

ADIB bank offers a host of benefits through Visa Cashback credit card. Along with various shopping benefits, you get rewarded with cashback on each and every credit card purchase within and outside UAE. Additionally, you can also withdraw cash from ATMs up to 100% of your credit limit. Following are the cashback offered on ADIB Visa Cashback Credit Card.

9. Simply Life Cashback Credit Card

With a Simply Life Cashback credit card, you can enjoy various privileges on the day to day credit card expenses. Based on your expenses, you can get discounted movie tickets and various shopping offers across the UAE. Additionally, the card does not include an annual membership fee, making it affordable and convenient to manage. Following are the benefits of the Simply Life Cashback credit card.

10. HSBC Cashback Credit Card

HSBC is one of the oldest banks in the MENA region offering world-class banking services. With an HSBC Cashback credit card, you get access to an attractive cashback program. For each card expense, you can earn up to 10% cashback anywhere around the world. The HSBC Cashback credit card is free for the first year and it remains free thereafter if you meet the minimum expense criteria. The key benefits of HSBC Cashback credit card are as follows.

Features of HSBC Cashback Credit Card

• Enjoy 10% cashback on fuel expenses in the UAE,
• Get 3% cashback on supermarket and grocery expenses
• Recieve 1% cashback on all other credit card expenses anywhere around the world,
• Cashback gets automatically credited to your credit card account at the end of every month
• Enjoy exclusive access to the Buy1Get1 offer on movie tickets and various shopping offers across outlets in UAE,
• Enjoy shopping discounts and benefits through the Visa Entertainers app
• Get up to 12 complimentary airport lounge access around the world every year.

List of Best Cashback Credit Cards in UAE for January 2022 that offers up to 10% Cashback

With various shopping offers and privileges, numerous credit cards offer as high as 10% cashback on your credit card expense. You can choose the best cash back credit card based on the amount of cashback you get and your expense trend. Following is the list of best credit cards with up to 10% cashback.

Best Cashback Credit Card in UAE 2021 –  Annual Fee and Minimum Salary

Following are the best cashback credit card in the UAE for January 2022 along with their salary requirements and annual membership fee.

Things to Remember Before Applying for a Cashback Credit Card

You need to take care of a few things before applying for a cashback credit card in the UAE.

• Each cashback credit card has an upper cashback limit unless specified otherwise. Once the cashback upper limit is reached, no more cashback is awarded on your spending. You need to consider the amount of cashback that you can earn with a specific credit card.
• Several credit cards have minimum spending criteria, meaning that you need to spend a minimum amount before becoming eligible for earning cashback. Choose a cashback credit card that suits your spending amount.
• The earned cashback has validity before which you can use it. Additionally, you may have a limited cashback offer on some credit cards. Ensure that you read the terms and conditions before applying for a credit card.
• Also, ensure that the cashback offers on your credit card are valid on a wider range of expenses and not on a specific brand or outlet.

Over to You!

There are a number of banks and providers that offer cashback credit card in UAE. Cashback is that one form of reward where you can enjoy a certain percentage of your expense, which is made using your cashback card. Mostly the banks transfer this credit to your card account.

FAQ’s on Best Cash Back Credit Card in UAE

Which is better – a higher cashback rate with an annual fee or a lower cashback rate with no annual fee?

• You can choose a good cashback credit card in the UAE based on your spending kind. A higher cashback card comes with an annual charge but offers a greater variety of cashback options. A credit card with no annual fee, on the other hand, may offer low cashback rates and a limited scope of accumulation. However, before applying for a costly cashback credit card, you should think about your budget.

Can I earn cashback on shopping with cashback rewards?

• No, you earn cashback only for purchases made using your credit card and not on redeeming your cashback for purchases.

Can I lose my cashback for skipping a credit card payment?

• Yes, you may lose your accrued cashback points as a penalty for missing your credit card payment.

Do I get cashback on international transactions?

• Yes, several banks provide cashback on foreign credit card purchases. However, before you choose a credit card, be sure that the card issuer pays cashback on overseas transactions.

What are the eligibility requirements for earning cashback on credit cards?

• As an eligibility requirement, you may need to meet the minimum spending requirements to earn cashback on your credit card.

Can I earn cashback for cash withdrawals using my credit card?

• No, you do not get cashback for withdrawing cash from ATMs and CCDMs using your credit card.

What credit card gives the most cash back?

• One credit card may give you cash back for grocery while the other may give cash back for online shopping. To decide which credit card gives the most cash back, you should decide which credit card suits your needs the best. Once you have an idea about the nature of your expenses, you can pick any of the cards and earn maximum benefits on cards.

How can I get cash from my credit card in the UAE?

• To get cash from your credit card in the UAE you can use the following platforms:
  • Visit the nearest ATM: You can use the cash advancement facility and directly borrow money from the ATM
  • Transfer your credit card amount to your debit account: You can transfer up to 90% of your credit balance to your account balance and withdraw from your account
  • Visit malls and small businesses: Some small businesses and malls provide you cash in exchange for credit. You can simply swipe the credit card at the Point of Sale (POS) of the shop to avail of this facility

What is better ̶ cashback or reward points?

• If you use your credit card for shopping, grocery, utility bills, or any other bill payments, cashback is a beneficial option for you since you will end up saving more money on your bills. However, if you are a frequent traveler, reward points are a more advantageous option for you since you can receive rewards like complimentary access to lounge, valet parking, and other rewards on your credit card. Weigh your needs and choose the best option!

Can I get cash back on cash withdrawal?

• Generally credit card companies do not offer any cash back on cash withdrawals.

How can I redeem my cashback using my cashback credit card?

• To redeem your cashback, you need to log into your credit card account, navigate to the reward and cashback section and click on redemption options. You can also go into the offers and discount section and purchase eligible items after claiming your rewards.

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