In the UAE, where shopping and entertainment are an integral part of daily life, a cashback credit card can be a game-changer in managing your finances. With the rise of various credit card offerings, selecting the best cashback credit card in UAE can help you earn valuable rewards on every purchase you make. Whether you’re looking to maximize your grocery spend, travel expenses, or even dining, these cards provide an array of benefits tailored to different needs.
This comprehensive guide delves into the most popular cashback credit cards in the UAE, breaking down their features, benefits, and the factors you should consider before making your decision. Our aim is to offer a complete overview of cashback options, making sure you choose the best cashback credit card in UAE suited to your lifestyle and spending habits.
Best Cashback Credit Cards in UAE
When it comes to choosing the best cashback credit card in UAE, it’s important to compare the various benefits and features that each card offers. Below, we’ve listed some of the top cashback credit cards in UAE and how they stand out.
| Credit Card | Annual Fee (AED) | Cashback Rate | Categories for Cashback | Sign-up Bonus |
|---|---|---|---|---|
| Dubai First Cashback Card | 500 | 5% on groceries | Groceries, Utility Bills | AED 200 |
| Citi Cashback Card | 500 | 1% on all purchases | All categories | 2,000 bonus points |
| Emirates NBD Red Cashback | 300 | 2% on dining & groceries | Dining, Groceries, Utilities | AED 150 |
| Mashreq Cashback Card | 500 | 5% on supermarkets | Supermarkets, Dining, Gas | AED 500 |
| FAB Cashback Card | 400 | 1.25% on all purchases | All categories | AED 150 |
1. Dubai First Cashback Card
The Dubai First Cashback Card stands out as one of the best cashback credit cards in UAE. Offering 5% cashback on groceries, it’s ideal for people who regularly shop at supermarkets. The card also provides cashback on utility bills, allowing you to maximize your savings across different spending categories.
Features:
- 5% cashback on groceries: Whether you’re stocking up on essentials or treating yourself to some gourmet items, this card offers a significant cashback rate.
- Cashback on utility bills: Get cashback on paying utility bills such as electricity and water, making it a well-rounded option.
- Low annual fee: With an affordable annual fee of AED 500, it provides great value for money.
2. Citi Cashback Card
For those who prefer simplicity and convenience, the Citi Cashback Card is a solid contender for the best cashback credit card in UAE. Offering 1% cashback on all purchases, it ensures that you get rewards on every single transaction, no matter the category.
Features:
- 1% cashback on all purchases: Earn cashback on every transaction, making it perfect for people who don’t want to worry about category restrictions.
- Easy redemption: Points can be redeemed for cashback or used to pay off credit card balances, providing flexibility in how you use your rewards.
- Global acceptance: Citi cards are accepted worldwide, making it a good choice for frequent travelers.
3. Emirates NBD Red Cashback Card
The Emirates NBD Red Cashback Card provides an attractive combination of cashback rewards on dining, groceries, and utilities, making it a great option for those who spend in these categories.
Features:
- 2% cashback on dining: Whether you’re dining out at restaurants or ordering takeout, earn 2% cashback on all dining expenses.
- Cashback on utilities: Pay your utility bills with this card to earn cashback, ensuring that you can save across all your monthly expenses.
- Low annual fee: At AED 300, this card offers an excellent value for individuals who want to earn rewards without hefty charges.
4. Mashreq Cashback Card
For grocery shoppers and those who like to dine out frequently, the Mashreq Cashback Card offers 5% cashback on supermarket purchases. It’s an excellent option for anyone who wants to earn high cashback in specific categories.
Features:
- 5% cashback on supermarkets: This card is one of the best options if you want to earn cashback on your grocery shopping.
- Dining and fuel rewards: Enjoy cashback on dining and fuel transactions, making it ideal for people who spend in these areas.
- Wide range of categories: The card provides cashback across multiple spending categories, ensuring that you can earn on every transaction.
5. FAB Cashback Card
The FAB Cashback Card is another strong contender in the UAE market, offering 1.25% cashback on all purchases, making it one of the most rewarding all-purpose cards in the region.
Features:
- 1.25% cashback on all purchases: Ideal for individuals who prefer earning rewards on a wide range of categories without worrying about limits.
- Simple cashback redemption: You can redeem your cashback easily, either by statement credit or for a variety of goods and services.
- Lower annual fee: At AED 400, it provides excellent value for money with a higher cashback percentage than many similar cards.
How to Choose the Best Cashback Credit Card in UAE?
When deciding on the best cashback credit card in UAE, it’s important to evaluate the following factors:
1. Cashback Rate and Categories
Different cards offer varying cashback rates for different categories. Some cards offer higher cashback rates on groceries or dining, while others offer flat-rate cashback across all purchases. Choosing the best cashback credit card in UAE depends on where you spend the most. If you shop at supermarkets or dine out frequently, look for a card that offers higher cashback in these areas.
2. Annual Fees
While some cards come with no annual fees, others charge a fee. Higher annual fees often come with better benefits, such as higher cashback rates or additional features. Compare the annual fee with the potential cashback you could earn to determine whether the card is worth it.
3. Sign-Up Bonuses and Promotions
Many cashback credit cards in UAE offer sign-up bonuses to attract new customers. These bonuses can range from cashback to rewards points, and they can significantly increase the value of the card in the first year. Check for sign-up promotions when choosing the best cashback credit card in UAE to maximize your initial rewards.
4. Redemption Flexibility
Look for a credit card that allows easy and flexible cashback redemption. Whether it’s direct cashback into your account, statement credits, or redeeming rewards for purchases, the best cashback credit cards in UAE provide multiple options to redeem your earnings.
Key Considerations for Choosing the Best Cashback Credit Card
1. Interest Rates
While earning cashback is great, it’s important to note that credit card interest rates can diminish the rewards you earn if you don’t pay off your balance in full each month. The best cashback credit cards in UAE often come with competitive interest rates, but if you plan to carry a balance, ensure you factor this into your decision.
2. Eligibility Criteria
Different credit cards have different eligibility criteria. Some cards require a higher income threshold or specific documentation. Be sure to check the eligibility requirements before applying for the best cashback credit card in UAE.
3. Additional Benefits and Perks
Many cashback credit cards also come with additional perks, such as travel insurance, purchase protection, and airport lounge access. These added benefits can increase the overall value of the card, making it a better fit for those who travel frequently or seek extra protection on purchases.
Conclusion
Choosing the best cashback credit card in UAE requires evaluating a range of factors, including cashback rates, annual fees, redemption flexibility, and additional benefits. Whether you prefer earning cashback on all purchases or focusing on specific categories like dining or groceries, there is a cashback credit card in UAE that suits your needs. The options listed in this guide are some of the best available, offering high rewards, valuable bonuses, and user-friendly features.
Take the time to compare these cards, assess your spending habits, and select the best cashback credit card in UAE that will reward you the most on every purchase.
Dubai Metro provides easy access to key areas of the city, making travel quick and convenient. Whether you’re heading to work or shopping, it’s the best choice. If you’re looking for assistance while shopping at Emirates NBD Karama, their dedicated call center is ready to help. For more details on how to reach them, check out the link: Emirates NBD Karama Shopping Call Center.
