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Cashback Credit Cards In UAE

Increasing one’s financial resources isn’t always a bad thing. It will often assist you in earning more money. This is one of the benefits of using a cashback credit cards in UAE. It reimburses the user for a certain proportion of their cash purchases. These cards, however, are subject to a number of limitations. The amount of cashback varies based on the type of purchase and the minimum spend requirement. In the United Arab Emirates, there are a variety of cashback cards to choose from.

HSBC Cashback Credit Card

Enjoy up to 10% cashback on everyday spends, automatic credit of cashback every month, along with travel and lifestyle benefits. No annual fee for the 1st year and 2nd year onwards waiver subject to meeting minimum spend

Rate – 3.45%

Minimum Salary – AED 10,000

Annual Membership Fee – AED 229

Features & Benefits
  • 10% Cashback on all fuel spends in UAE*
  • 3% Cashback on all supermarkets spends in the UAE*
  • 1% on all other spends
  • No maximum limit on total cashback earned
  • ‘Buy 1 Get 1 Free’ movie tickets at VOX Cinemas across the UAE
  • Complimentary HSBC Entertainer App to enjoy over 10,000 ‘Buy 1 Get 1 Free’ offers across dining, leisure, retail and wellness, including over 260 delivery offers

Mashreq Cashback Credit Card

The Mashreq Cashback Credit Card is one of the best credit cards offered by the Mashreq Bank. This card is ideal for shopping since members of this credit card can earn cash back in terms of rewards points on their purchases. And then, the earned cash back can be converted into direct statement credit.

Rate – 3.45 %

Minimum Salary – AED 7000

Annual Membership Fee – Free For Life

Features & Benefits
  • No annual fee
  • 20% cashback at Netflix, Careem, Noon and more for the first 6 months
  • 5% cashback on dining spends in the UAE
  • 2% cashback on international spends
  • 1% cashback on domestic spends
  • No maximum caps, no minimum spend requirement
  • Up to 30% discount across 2,000 dining outlets in UAE
  • Instant cashback redemption
  • Complimentary travel insurance
  • Up to 55 days interest free period
  • The foreign currency rate applicable on overseas transactions is 2.79%

Deem Cash up Master Card

Deem Mastercard World Cash Up Credit Card is a luxury card for those who like to indulge in various leisure activities. With a wide range of travel offers, this Deem Finance Credit Card is also suitable for those who travel frequently. The attractive deals and discounts offered make it one of the popular credit cards in the UAE.

Rate – 3.33 %

Minimum Salary – AED 6000

Annual Membership Fee – Free For Life

Features & Benefits
  • Up to 5% Cash Up at supermarkets
  • Up to 5% Cash Up on utility bills
  • 3% Cash Up on fuel
  • 0.5% Cash Up on all other spends
  • Earn Up points that never expire
  • Redeem Cash Up for cashback, pay with points and more
  • Enjoy discounts on dining, leisure & more with the Deem Offers app
  • Free for life
  • Supplementary Credit Cards
  • 20% discount on Careem
  • Access to 1100+ airport lounges
  • Up to 15% on Avis car rentals worldwide
  • Deem Double Secure

Citi Bank Cashback Card

Citibank Cashback Credit Card offers a wide array of mind-blowing benefits and rewards such as Buy One Get One movie tickets, dining discounts, travel rewards etc. In case the applicant applies for Citibank Cashback Credit Card Online, they can get rewarded up to AED 1,500 in case they fulfil the minimum spending requirements. The cardholder can spend it as per their preference.

Rate – 3.25 %

Minimum Salary – AED 8,000

Annual Membership Fee – Free For Life

Features & Benefits
  • No Minimum spend is required for cashback rewards on this card.
  • Receive 3% cashback on International Spends, 2% on Grocery/Supermarket Spends, and 1% on all other spends.
  • Cashback earned is credited automatically every month.
  • No cashback earn caps.
  • Up to 20% discount at select restaurants.
  • Unlimited complimentary access to 850+ airport lounges worldwide for primary and supplementary cardholders.

FAB Cashback Master Card

FAB or the First Abu Dhabi Bank is one of the largest banks in UAE is also a part of the world’s safest and largest institution. It offers a wide range of custom solutions for the consumers, along with products and services to provide a custom enhanced customer experience. One of these products is their credit cards. The FAB Cashback Credit Card is one of the different variants of credit cards offered by FAB that rewards the cardholder with numerous rewards every time the card is swiped.

Rate – 3.5%

Minimum Salary – AED 5,000

Annual Membership Fee – AED 315

Features & Benefits
  • 5% cashback on supermarkets, fuel and utilities
  • Movie tickets from just AED 15
  • Careem Chauffeur Service
  • Airport Lounge Access
  • Luxury Serviced Apartments and Hotel Offers

Emirates Islamic Cashback Card

There is no minimum spend criteria; 10% cashback on etisalat & du spends; 5% cashback on eletronics store purchases, 1% cashback on all other spends; Easy Payment Plans; Balance Transfer Facility.

Rate – 3.35%

Minimum Salary – AED 5,000

Annual Membership Fee – AED 299

Features & Benefits
  • Earn up to 10% cashback on supermarket, education, dining & telecom
  • The card comes with an embedded Nol chip
  • 20% off on weekdays at Ultra Premium, Platinum Plus and Classic Silver Plus at Roxy
  • Auto top-up facility on Salik and Nol
  • Gold Class Cabin access
  • Complimentary access to 1000+ lounges globally for the cardholder (via Lounge key)
  • Mazaya Offers Programme
  • 8% discount on hotel bookings made at Hotels.com
  • 24-hour personalised premium concierge service
  • Visa Luxury Hotel collection offers
  • Two complimentary rounds at Arabian Ranches or Meydan Golf Course
  • Balance transfer facility
  • Fraudulent card misuse protection cover ($2,500 per occurrence with $4,000 annual aggregate limit)
  • Cash-On-Call facility (upto 80% of your credit limit) through 24/7 phone banking service
  • Extended warranty & purchase protection on purchases made on the card
  • Medical & Legal referral assistance
  • Travel insurance cover upto $500,000 covering the cardholder & family for trips upto 90 days in duration
  • 2-for-1 ENTERTAINER offers with Visa Offers MENA mobile app for exclusive offers & over 5000+ travel discounts
  • Subscribe to Anghami Plus and enjoy upto four months free for the first year

Emirates NBD Infinite Credit Card

The Emirates NBD Visa Infinite Credit Card is one of the best credit cards that provide a wide range of amazing benefits, personal privileges, modified services, and amazing offers to suit one’s lifestyle. This Emirates NBD credit card stands out from the rest due to its incomparable benefits and features.  Best of all, it offers “Plus Points” that can easily be redeemed against air tickets, annual fee waiver, and cashback.

Rate – 2.99%

Minimum Salary – AED 30,000

Annual Membership Fee – AED 1,500

Features & Benefits
  • Get unlimited access to over 1,000 premium airport lounges, 1 complimentary guest
  • Dining discounts of up to 30% at over 2000 restaurants across UAE under the Emirates NBD Bon Appetit program
  • Get 3% discount on air tickets and up to 7% discount on holiday packages through the Emirates NBD Travel Desk
  • Get 1 complimentary round of golf a month at 5 locations around the UAE
  • Pay using your Emirates NBD installment plan at low interest rates
  • Get facilities such as free multi-trip travel insurance, purchase protection, extended warranty, credit shield, free 24/7 roadside assistance
  • Get 4 complimentary valet parking and concierge services
  • 4 complimentary Airport Transfers a year
  • Discounts and offers in 3,100 locations
  • Automatic Salik Top up

Standard Chartered Platinum Credit Card

This Standard Chartered Credit Card is an ultimate cashback card that offers a maximum cashback of 10 percent on daily expenses, shopping at supermarkets, utility bills, and school fees. This platinum card also offers discounts on travel, hotels, shopping and more. The best part about the platinum credit card is that its benefits are not just limited to cashback.

Rate – 3.33%

Minimum Salary – AED 5,000

Annual Membership Fee – AED 525

Features & Benefits
  • Costa Buy 1 Get 1 Free
  • (3) 20% discount Careem rides per month
  • Unlimited and complimentary access to over 20 local and international lounges
  • Up to 10% off Hotels.com
  • 30% off travel
  • Get discounts on holiday packages

Things to think about before applying for a cashback credit cards in UAE

Spend eligibility – Certain cards have a minimum spend provision, which means that the cardholder must spend a certain amount (which varies by card) in order to qualify for the cashback. Before applying for a cashback credit card, make sure you read the spend eligibility requirements thoroughly.

Upper limits – Similar to the minimum spend provision, most banks have a max amount of cashback that a cardholder will receive or category-specific limits. To prevent any disputes with the bank, these must be thoroughly understood.

Fine Print – Read the small print. Is cashback available at all retailers or only a select few? Is it possible to combine a deal with a cashback offer? Cashback will not be offered on all purchases.

Validity – The cashback provided can be valid for a certain period of time. Make sure you use the cashback you’ve received before the expiration date.

When searching for a cashback card, the cashback rate is definitely an important aspect to consider. It also assists in the interpretation and review of your spending history, as it can be matched with the credit card issuer’s benefits. With so many cashback credit cards available in the UAE, you’re sure to find one that fits your spending habits. Some banks pay for cashback on groceries and utility bills, while others pay more on travel-related purchases. This research will help you maximize your cashback rewards and put the best cashback card in your pocket.

Key Features Of Our Cashback Credit Cards in UAE

Free For Life

FREE for life cash back credit card with no minimum spend criteria

Exclusive Discount Offers

Get 20% on Careem Rides, Zomato, Netflix and 30% on Cleartrip

Cash Reward

Get cash reward as joining bonus

Cashback On Movie Tickets

Get 50% Discount on movie tickets every month

Free Airport Lounge Access

Access to 1100+ Airport lounges around the world

Free Valet Parking

Get 6 complimentary standard valet parking services each month
I want to cancel my credit card. Should I redeem the points before I cancel or can I do it later?

Most banks will not make such a purchase, so we suggest redeeming your points before canceling your card. Check with your bank to see if they can meet your order.

Do I get a cashback for the shopping done using the cashback points?

No, it’s not real. Cashback is only offered when you use your credit card to make a purchase and then repay the bank. Cashback incentive transactions are not available for extra cashback.

Is a higher cashback rate with an annual fee better than a lower cashback rate with no annual fee?

This is contingent on your spending patterns as well as the card’s other features. It is only lucrative if the cashback received reaches the annual fees. Look at what is profitable for you and select a card based on that.

Do I get cashback if I exceed my credit limit of the card?

If you go over your credit cap, your bank can not give you any cashback. Before making any transactions that reach your credit cap, check with your card provider.

Can I get cashback on cash withdrawal?

No, most credit card companies do not offer cashback on cash withdrawals.

Will missing credit card payments make me lose the cashback earned?

Yes, indeed. If you don’t pay your credit card bills on time, you risk losing your cashback.

Do I get cashback on international transactions?

It is decided by the card. You will get if your card claims to give cashback on overseas purchases.