Maximize Your Savings with Cashback Credit Cards
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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.
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.
10 Best Cashback Credit Cards in UAE
Mashreq Cashback Credit Card
Emirates Islamic Cashback Plus Credit Card
FAB Cashback Islamic Credit Card
Commercial Bank of Dubai Al Islami Super Saver Credit Card
RAKBANK Titanium Credit Card
HSBC Live+ Credit Card
Dubai Islamic Bank Consumer Cashback Platinum Credit Card
Standard Chartered Simply Cash Credit Card
ADCB TouchPoints Platinum Credit Card
Commercial Bank International Rewards Platinum Mastercard
FAQs on Best Cashback Credit Cards
Which credit card gives the most cashback?
The credit card that gives the most cashback depends on your spending habits and the categories you spend the most on. For example, the Emirates Islamic Cashback Plus Credit Card offers up to 10% cashback on groceries, dining, education, and telecom expenses. This makes it one of the best cashback credit cards for those who spend heavily in these categories. Always compare the cashback rates and spending categories to find the card that maximizes your rewards.
What are the best cashback credit cards?
The best cashback credit cards vary based on different features. Here are some top picks:
Best for 0%-APR offer: Wells Fargo Active Cash® Card.
Best for flat-rate cash back: Citi Double Cash® Card.
Best for no annual fee: Chase Freedom Unlimited®.
Best for average credit: Capital One QuicksilverOne Cash Rewards Credit Card.
Best for students: Discover it® Student Cash Back.
Which credit card is best for cashback?
The best cashback credit card in the UAE for 2025 includes options like the Mashreq Cashback Credit Card, which offers up to 5% cashback on dining and international spends with no annual fee. Another great option is the Emirates Islamic Cashback Plus Credit Card, which provides up to 10% cashback on groceries, dining, education, and telecom expenses. These cards are designed to maximize your savings based on your spending habits.
Which is the best cashback credit card in India for 2025?
Here are some of the best cashback credit cards in India for 2025:
Kotak League Platinum Credit Card: Joining Fee Rs. 499, Annual Fee Rs. 499.
Standard Chartered Smart Credit Card: Joining Fee Rs. 499 + GST, Annual Fee Rs. 499 + GST.
Cashback SBI Card: Joining Fee Rs. 999, Annual Fee Rs. 999.
Flipkart Axis Bank Credit Card: Joining Fee Rs. 500, Annual Fee Rs. 500.
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Which credit card is giving the best cash back?
In the UAE, the best cashback credit card for January 2025 includes the Commercial Bank of Dubai Super Saver Card, which offers up to 10% cashback on everyday spends like bills, supermarkets, education, and more. Another top choice is the First Abu Dhabi Bank Cashback Card, which provides up to AED 600 cashback. These cards are ideal for maximizing your savings on regular expenses.
Is 5% cashback worth it?
Yes, 5% cashback can be worth it if the bonus categories align with your spending habits. For example, if you frequently spend on groceries, dining, or travel, a card offering 5% cashback in these categories can provide significant savings. The bonus rewards you earn during these periods could outweigh what you'd get using a flat-rate card that only earns 1% to 2% cashback year-round.
Chase Freedom: Offers 5% cashback on up to $1,500 in spending per quarter in bonus categories that change each quarter.
Discover it® Cash Back: Provides 5% cashback on up to $1,500 in spending per quarter in rotating categories.
U.S. Bank Cash+™ Visa Signature® Card: Allows you to choose your 5% cashback categories each quarter.
Is there a 2.5% cash back card?
Yes, the Alliant Cashback Visa Signature card offers all cardholders unlimited 1.5% cashback with no annual fee. Alliant members with a High-Rate Checking relationship can enjoy the added benefit of 2.5% cashback on the first $10,000 of eligible purchases per billing cycle. This makes it a great option for those who want higher cashback rates without an annual fee.
What is 100% cashback?
A 100% cashback offer means you get back the full amount you spend. For example, if you buy a product worth AED 1,000, you will receive a voucher worth AED 1,000 that can be redeemed later. This type of offer is rare but provides excellent value as it essentially makes your purchase free. Always check the terms and conditions to understand how and when you can redeem the cashback.
Which credit card has most benefit?
The best rewards credit cards of February 2025 include:
Best for groceries: Blue Cash Preferred® Card from American Express.
Best for luxury travel: Chase Sapphire Reserve®.
Best for online shopping: Prime Visa.
Best for entertainment: Capital One Savor Cash Rewards Credit Card.
Best for rotating bonus categories: Chase Freedom Flex®.
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Does any credit card offer 5% cash back?
Yes, both Chase and Discover offer credit cards with 5% cashback on up to $1,500 in spending per quarter in bonus categories that change each quarter. To get the bonus cashback, you have to opt-in or "activate" the category each quarter. This allows you to earn higher rewards on specific spending categories throughout the year.
Can I withdraw credit card cashback?
No, cashback earned on credit cards cannot be transferred or withdrawn as cash. It can only be used to offset your outstanding balance. Cashback on eligible spend is awarded only when the eligible spend is over a certain amount. Always check your card's terms and conditions to understand how you can use your cashback rewards.
Which credit card is best in the UAE?
Some of the best credit cards in the UAE include:
RAKBANK Skywards World Elite Mastercard Credit Card
CBD Smiles Visa Platinum Credit Card
Emirates NBD Mastercard Titanium Credit Card
Emirates NBD Go4it Gold Credit Card
CBD Visa Infinite Credit Card
ADCB LULU Platinum Credit Cards
Citibank Citi Prestige Credit Card
FAB SHARE Platinum Credit Card
Which credit card is very best?
Here are some top credit cards in India:
Best Credit Cards for Shopping and Online Purchases: Standard Chartered Manhattan Credit Card, SBI Simply Click Credit Card, Citibank Cashback Credit Card.
Best Credit Cards to Travel: Indian Oil Titanium Citibank Credit Card, HDFC Platinum Plus Credit Card.
Which SCB credit card is the best?
The Platinum Rewards card from Standard Chartered lets you earn 5 reward points for every INR 150 spent on dining and fuel with no monthly cap on the rewards earned. Terms and conditions apply. You can also earn 1 reward point for every INR 150 spent on all other categories. This makes it one of the best rewards credit cards offered by Standard Chartered.
Who gives the best cashback?
NerdWallet's best cashback credit cards of February 2025 include:
Chase Freedom Unlimited®: Best for all-around cashback.
Discover it® Cash Back: Best for quarterly categories + matching bonus.
Capital One Savor Cash Rewards Credit Card: Best for going out & staying in.
Disclaimer: The information provided in this article is intended for general informational purposes only. The details mentioned are based on the best available information at the time of publication and are subject to change without notice by the respective authorities. Readers are encouraged to consult the relevant offices directly for the most accurate and updated information.
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