Home 10-BEST-CASHBACK-CREDIT-CARDS-UAE-2025-023910 Best Cashback Credit Cards in UAE for 2025

January 30, 2025

10 Best Cashback Credit Cards in UAE for 2025

Last Updated: May 28, 2025

Maximize Your Savings with Cashback Credit Cards

Cashback credit cards in the UAE are a fantastic way to earn money back on your everyday purchases. With the right card, you can make your spending more rewarding.

In 2025, these are the best cashback credit cards that offer various rates, annual fees, and redemption options.

Comparison of Best Cashback Credit Cards in UAE (2025)

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How to Choose a Cashback Credit Card

Choosing the best cashback credit cards involves evaluating several factors. Here are the key points to consider:

Cashback Rates and Spending Categories: Look for cards that offer high cashback rates in categories that match your spending habits. For example, if you spend a lot on groceries, dining, or travel, choose a card that rewards these categories.
Annual Fees and Interest Rates: Compare the annual fees and interest rates of different cards. Some cards may have no annual fee but higher interest rates. Others might offer lower interest rates but charge an annual fee. Balance these costs to find the most cost-effective option.
Redemption Options and Limits: Check the redemption options and limits for cashback rewards. Some cards may have restrictions or caps on how much cashback you can earn. Ensure these terms align with your preferences to maximize your rewards.

1. Mashreq Cashback Credit Card

The Mashreq Cashback Credit Card is one of the best cashback credit cards in the UAE. It offers up to 5% cashback on every spend and has no annual fees.

Cashback Rates: Earn 5% cashback on international and local dining spends, 2% on other international spends, and up to 1% on local spends. Additionally, get 0.33% cashback for government payments, education, utilities, charity, rental, fuel, and telecom spends.
Annual Fee: AED 0
Interest Rate: 3.85% per month
Additional Benefits: New users get an AED 500 welcome bonus if they spend up to AED 5,000 within the first 2 months. Existing Mashreq credit cardholders get an AED 100 welcome bonus with the same spending requirement.
Income Eligibility: AED 5,000

This card is ideal for those who want to maximize their savings without worrying about annual fees.

The high cashback rates on dining and international spends make it a great choice for frequent travelers and food enthusiasts.

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2. Emirates Islamic Cashback Plus Credit Card

The Emirates Islamic Cashback Plus Credit Card is another top contender among the best cashback credit cards in the UAE. It offers up to 10% cashback on groceries, dining, education, and telecom expenses.

Cashback Rates: Earn up to 10% cashback on supermarket spends, education, dining, and telecom. Note that all cashback plus points earned have a validity period of 2 years after which they expire.
Annual Fee: AED 299
Profit Rate: 3.69%
Additional Benefits: Enjoy unlimited complimentary access to over 1000 airport lounges globally, two rounds of complimentary golf per month, and 1 complimentary valet parking service per month.
Income Eligibility: Not specified

This card is perfect for those who spend heavily on groceries and dining.

The additional benefits like airport lounge access and golf rounds make it an attractive option for frequent travelers and golf enthusiasts.

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3. FAB Cashback Islamic Credit Card

The FAB Cashback Islamic Credit Card is a strong contender among the best cashback credit cards in the UAE. It offers up to 5% cashback on select spending categories like groceries and dining out.

Cashback Rates: Earn 5% cashback on fashion shopping, dining out, and groceries. Additionally, get 3% cashback on international spends and 1% cashback on all other spending.
Annual Fee: AED 300
Interest Rate: Up to 3% per month flat rate on booking amount as agreed with the bank
Additional Benefits: Free airport lounge access globally
Income Eligibility: AED 5,000

This card is ideal for those who frequently shop for fashion, dine out, or travel internationally.

The high cashback rates in these categories make it a valuable addition to your wallet.

4. Commercial Bank of Dubai Al Islami Super Saver Credit Card

The Commercial Bank of Dubai Al Islami Super Saver Credit Card provides up to 10% cashback on everyday spends like bills, supermarkets, education, and more.

Cashback Rates: Earn up to 10% cashback on bills, school, fuel, and supermarket payments.
Annual Fee: Free for the first year, AED 400 subsequently
Interest Rate: Up to 1.09% per month for balance transfer, up to 1.59% per month for cash on call, up to 1.80% per month for easy payment plan retail transactions, and up to 0.99% per month for easy payment plan retail balance. Also, 3.85% per month on retail purchases and cash advances.
Additional Benefits: 50% off tickets at VOX, Reel, or Novo cinema per month, multi-trip travel insurance, purchase protection, and more.
Income Eligibility: AED 5,000

This card is perfect for those who want to save on everyday expenses.

The high cashback rates on bills and supermarket spends make it a practical choice for families and individuals alike.

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5. RAKBANK Titanium Credit Card

The RAKBANK Titanium Credit Card offers generous cashback on dining, supermarket, and entertainment purchases.

Cashback Rates: Earn up to 5% cashback on dining and supermarkets and 50% cashback on entertainment spends.
Annual Fee: AED 0
Interest Rate: Depends on the outstanding balance to be paid and individual circumstances
Additional Benefits: Exclusive hotel discounts, great car rental savings, global airport lounge access, etc.
Income Eligibility: AED 8,000

This card is ideal for those who enjoy dining out and entertainment. The high cashback rates in these categories make it a great option for social butterflies and families.

6. HSBC Live+ Credit Card

The HSBC Live+ Credit Card provides cashback rewards on eligible purchases and everyday spending.

Cashback Rates: Earn 6% cashback on dining, 5% cashback on fuel, 2% cashback on groceries, education, and entertainment, and 0.5% cashback on other spends—per payment cycle.
Annual Fee: AED 299
Interest Rate: 44.28% APR
Additional Benefits: Travel rewards, cinema discounts, and many shopping, dining, and leisure offers.
Income Eligibility: AED 5,000

This card is perfect for those who spend heavily on dining and fuel.

The additional benefits like travel rewards and cinema discounts make it an attractive option for frequent travelers and movie enthusiasts.

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7. Dubai Islamic Bank Consumer Cashback Platinum Credit Card

The Dubai Islamic Bank Prime Credit Card guarantees you cashback of up to 4%, combining everyday convenience with tangible savings.

Cashback Rates: Earn up to 4% cashback on supermarket, car servicing, phone bills, fuel spends, utility bills, and school fees.
Annual Fee: AED 199
Interest Rate: Up to 3.69%
Additional Benefits: Travel and medical coverage, complimentary roadside assistance, and more.
Income Eligibility: Not specified

This card is ideal for those who want to save on everyday expenses like groceries and utility bills. The additional benefits like travel and medical coverage make it a practical choice for families.

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8. Standard Chartered Simply Cash Credit Card

The Standard Chartered Simply Cash Credit Card lets you enjoy unlimited cashback on everyday spends locally and internationally.

Cashback Rates: Earn 1% cashback on domestic spends and 2% cashback on international spends.
Annual Fee: First year free, then AED 525 subsequently. The annual fee is waived with a minimum yearly spend of AED 9,000.
Interest Rate: Not specified
Additional Benefits: Complimentary airport lounge access, 20% off Careem rides, Buy 1 Get 1 Free at Costa Coffee, and more.
Income Eligibility: AED 8,000

This card is perfect for those who travel frequently and spend internationally.

The unlimited cashback on everyday spends makes it a valuable addition to your wallet.

9. ADCB TouchPoints Platinum Credit Card

The ADCB TouchPoints Platinum Credit Card lets you earn points that can be redeemed for airline miles, shopping vouchers, and bill payments. The card’s redemption rate is 2500 TouchPoints to AED 10.

Cashback Rates: Earn 1 TouchPoint per AED spent on retail transactions and 0.4 TouchPoints per AED spent on domestic spending at supermarkets, auto dealers, insurance, and quick service restaurants. Also, 0.2 TouchPoints per AED spent on fuel, education, government services, real estate, telecommunication, charity, and transport. Lastly, 0.40 TouchPoints per AED spent on merchants in the United Kingdom and Europe.
Annual Fee: AED 600 but the first year is free
Interest Rate: 3.59% per month
Additional Benefits: Buy one get one free at VOX Cinemas, 20% off Talabat orders, and bonus TouchPoints for spends of AED 10,000.
Income Eligibility: AED 8,000

This card is ideal for those who want to earn points on their everyday spending.

The additional benefits like cinema offers and Talabat discounts make it a great choice for families and individuals alike.

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10. Commercial Bank International Rewards Platinum Mastercard

The Commercial Bank International Rewards Platinum Mastercard gets you multiple cashback offers and additional benefits.

Cashback Rates: Earn 100% cashback on 4 cinema tickets monthly and up to AED 150 in movie cashback based on your monthly food, ticket, and beverage spend at the cinema.
Annual Fee: AED 0
Interest Rate: 3.45%
Additional Benefits: Airport lounge access, free movie tickets at any UAE cinema, free supplementary cards for family members, etc.
Income Eligibility: AED 15,000

This card is perfect for movie enthusiasts who want to save on cinema tickets.

The additional benefits like airport lounge access and free supplementary cards make it a valuable addition to your wallet.

Summary

Here is a wrap up for the best cashback credit cards in the UAE.