Best No Annual Fee Cashback Credit Cards in UAE
These cards pay cashback and are free for life, so every dirham of cashback is profit — there's no fee to earn back first. The trade-off is usually a lower monthly cashback cap or a minimum spend before the top rate applies. If you spend less than a few thousand dirhams a month, a free cashback card almost always beats a premium one.
5 cards found
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
✈ Lounge Access
- ✓Free for life — no annual fee
- ✓5% cashback on 2 chosen categories (dining, grocery, fuel, international, education)
- ✓25+ complimentary airport lounge visits
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
Visa
Best for: No Annual FeeCashback 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