Best Cashback Credit Cards in UAE for 2026

Cashback credit cards in the UAE have become genuinely competitive. If you're still paying for groceries, fuel, and dining with a debit card or cash, you're leaving money on the table every month.

What makes a cashback card worth it

The headline cashback rate is only part of the story. The key factors are: what categories earn the highest rate, whether there are caps on earnings, what the annual fee is, and whether the minimum salary requirement suits you. A card offering "5% cashback" that's capped at AED 50 per month is far less valuable than it appears.

Mashreq Cashback Credit Card — Best overall

Consistently one of the top earners in the UAE market. 5% cashback on dining and 2% on everything else, with no category caps on the dining rate. Annual fee is AED 299 but waived if you spend AED 5,000 monthly. Minimum salary: AED 7,000. For the right spender, this card earns AED 2,000+ in cashback annually.

Standard Chartered Simply Cash — Best for simplicity

A flat 1.5% cashback on all spend with no categories to track and no caps. The annual fee is AED 500 but waived for the first year. Good if you don't want to think about which card to use for which purchase. Minimum salary: AED 8,000.

FAB Cashback Card — Best for groceries

FAB's cashback card earns 5% on supermarkets and 2% on dining — strong for families with high grocery spend. The cap is AED 200 per month on the 5% category, which is enough for most households. No annual fee. Minimum salary: AED 7,000.

RAKbank Titanium Credit Card — Best entry-level

1% cashback on all spending with no minimum spend requirement and no annual fee. The rate isn't the highest, but the zero-fee structure means it's always net positive regardless of how little you spend. Good as a secondary card or for lower salary brackets. Minimum salary: AED 5,000.

How to maximise cashback in UAE

The most effective approach is pairing two cards: one with a high rate on dining and groceries (Mashreq Cashback or FAB), and a general-spend card (Standard Chartered Simply Cash) for everything else. Pay both in full every month — carrying a balance at 35-40% APR negates any cashback earned within weeks.

Browse the full card comparison on Dirham247's credit cards page to filter by minimum salary, cashback category, and annual fee.