Best Cashback Credit Cards in UAE
Cashback cards return a percentage of what you spend as statement credit — simple, predictable value with no points to redeem. The highest advertised rates (5–10%) usually apply only to specific categories and are capped monthly, so match the card's bonus categories to where most of your money actually goes.
14 cards found
RAKbank World Credit Card
RAKbank
Cashback Rate
10%
Annual Fee
AED 997.5
- ✓Up to 10% cashback on dining, travel & groceries
- ✓Unlimited airport lounge access
- ✓Fee waived if prior-year spend exceeds AED 100,000
Ajman Bank ULTRACASH Mastercard
Ajman Bank
Cashback Rate
10%
Annual Fee
AED 300
- ✓Up to 10% cashback (UAE Nationals) / 5% (expats) on 2 chosen categories
- ✓1% cashback on all other spend
- ✓Fee waived year 2 on AED 12,000 retail spend
Mashreq Cashback Card
Mashreq
Cashback Rate
5%
Annual Fee
Free
- ✓Up to 5% cashback on dining (capped)
- ✓2% cashback at supermarkets
- ✓Zero annual fee
Mashreq Noon Credit Card
Mashreq
Cashback Rate
5%
Annual Fee
Free
- ✓Free for life — no annual fee
- ✓5% cashback on noon, noon Food, noon Minutes, NowNow & Namshi
- ✓1% cashback on all other spend
Al Hilal Bank Cashback Credit Card
Al Hilal Bank
Cashback Rate
5%
Annual Fee
Free
- ✓Free for life — no annual fee
- ✓5% cashback on 2 chosen categories (dining, grocery, fuel, international, education)
- ✓25+ complimentary airport lounge visits
FAB Cashback Credit Card
First Abu Dhabi Bank
Cashback Rate
5%
Annual Fee
AED 300
- ✓5% cashback on supermarket, fashion & dining (AED 150/month cap each)
- ✓3% cashback on non-AED spends
- ✓Free worldwide airport lounge access
DIB Consumer Cashback Platinum Card
Dubai Islamic Bank
Cashback Rate
4%
Annual Fee
AED 249
- ✓First year annual fee waived
- ✓4% cashback on supermarkets, fuel, bills & school fees (up to AED 1,000/month)
- ✓Travel & medical coverage up to US$100,000
ADIB Cashback Visa Card
Abu Dhabi Islamic Bank
Cashback Rate
4%
Annual Fee
AED 99
- ✓4% cashback on groceries, fuel, education, dining & utilities
- ✓Sharia-compliant covered card
- ✓Up to AED 1,000 monthly cashback cap
Citi Cashback Credit Card
Citibank UAE
Cashback Rate
3%
Annual Fee
AED 315
- ✓3% cashback on all non-AED (international) spend — no cap
- ✓Annual fee waived with AED 9,000 yearly spend
- ✓Flexible cash redemption with no minimum
Standard Chartered Platinum
Standard Chartered
Cashback Rate
2%
Annual Fee
AED 525
- ✓Unlimited lounge access to 20+ airports worldwide
- ✓360° rewards on every spend
- ✓Waived fee with AED 10,000 monthly spend
Wio Credit Card
Wio Bank
Cashback Rate
2%
Annual Fee
Free
- ✓2% cashback on all spends (AED 49/month waived at AED 35,000+ balance)
- ✓Instant digital card issuance
- ✓0.5% cashback on bill payments
Emirates Skywards Infinite
Emirates NBD
Cashback Rate
1.5%
Annual Fee
AED 1,575
- ✓5 Skywards Miles per AED 1 on Emirates flights
- ✓Complimentary airport transfers
- ✓Global lounge access with Priority Pass
Emirates NBD U by Emaar Visa Infinite
Emirates NBD
Cashback Rate
1.5%
Annual Fee
AED 1,575
- ✓7.5% Upoints on Emaar spends, 1.5% on other purchases
- ✓Unlimited access to 850+ airport lounges (+1 guest)
- ✓25,000 Upoints welcome bonus
Cashback Rate
1.25%
Annual Fee
Free
- ✓35% back on first 10 Talabat orders each month
- ✓Unlimited free delivery via Talabat Pro
- ✓AED 500 welcome bonus on AED 2,500 spend in 45 days
Guides
Card details are for informational purposes. Always verify current terms with the bank before applying. How we compare cards