Best Cashback Credit Cards in UAE - August 2025

Cash back credit card in UAE

Banks offer a wide range of credit card offers and rewards for cardholders. Cashback is one such reward system wherein the cardholder is paid a small percent of the expenses that are made using the credit card. Many banks offer a credit back to the card account with some give the cardholder an option of redeeming the cashback points for discounts, air miles, and other products/services. Cashback can be provided monthly or annually depending on the policy of the bank.

List of Best cashback credit cards in UAE

Let’s look at a few banks and financial institutions that offer the best cashback credit cards in UAE:

1. Abu Dhabi Islamic Bank [ADIB]

ADIB offers cashback cards to reward cardholders for using their cards. It provides different cashback cards, amongst which ADIB Cashback Visa Covered Card is known for the cashback provided on every usage of the card.

ADIB Cashback Visa Covered Card

• 4% cashback on daily purchases made using the card
• Get 4% cashback spent on grocery and Supermarket
• Get 4% cashback spent on fuel and automobile
• Get 4% cashback spent on Education & School fee Payments
• Get 4% cashback spent on Restaurants & Dining
• Get 4% cashback spent on Utility Payments​​​
• Free roadside assistance
• 100% of the card limit can be withdrawn as cash
• Up to 55 days of grace period for a monthly payment
• No annual fees on four supplementary cards

How to redeem cashback for ADIB Cashback Visa Covered Card?  

• Use your card on eligible categories—cashback is tracked automatically.
• Review monthly statement to see cashback earned (credited within monthly limit).
• Repay by due date (within the 55-day grace period) to receive cashback as a statement credit.

2. Citibank 

Citibank offers cashback cards to reward cardholders. It provides different cashback offers on every purchase the card holder makes and it stands as the best cashback credit card. 

Citi Cashback Credit Card

• Get 3% cashback on non-AED spend,
• Get 2% cashback on grocery & supermarket spend and 1% on all other spend, No caps (up to monthly credit limit) , no minimum spend, no redemption process and no spend categories excluded. 
• No exclusion of retail purchases
• Unlimited Global Airport lounge access
• Instant cash loan facility on credit card
• Easy installment plan for big and small purchases
• Airport Transfers: 1 free ride per year (up to AED 84) via Careem using code "MAUAE2"
• Talabat: 20% off (up to AED 14) on food and grocery orders once a month using code "MASTERCARD"
• Booking.com: Get up to 7% cashback to your wallet on global bookings via Booking.com/mastercardmea

How to redeem cashback for Citi Cashback Credit Card? 

• Citi Cashback is automatically credited to your credit card account each month—no manual redemption needed.
• You can view earned cashback in the Citi Mobile App or online banking portal.
• It is applied as a statement credit, reducing your outstanding balance

3. Commercial Bank of Dubai

CBD provides several credit cards to fulfill the various benefits of their customers. Amongst the different credit cards provided, CBD Super Saver Credit Card is one of the best cashback credit cards in the UAE. It offers high cashback on every purchase made using the card. Along with the cashback it also provides travel and movie benefits as well.

CBD Super Saver Credit Card

• Get a Welcome bonus of up to 1000 AED
• Can earn 10% cashback on retail spending like utility bills.
• Get 10% cashback on education - School, College, tuition & University payments. 
• Can earn 10% cashback on fuel & transport and groceries & supermarket spending.
• Get Complimentary airport lounge access across the globe
• Provides multi-trip travel insurance
• Provides purchase protection

The minimum monthly spend required per month for CBD Super Saver Credit Card is AED 3000 across all categories

How to Redeem Cashback of CBD Super Saver Credit Card?

• Track your cashback anytime through the CBD Mobile App or Online Banking.
• Once your cashback balance reaches AED 50, you’re eligible to redeem it.
• Redeem easily for a direct credit to your Super Saver Card via the app or online.

4. Standard Chartered Bank

Amongst the various credit cards provided by Standard Chartered Bank, Standard Chartered X Credit Card is the best, as it provides various privileges apart from cashback. Some of the benefits provided on SCB Platinum Card are:

Standard Chartered X Credit Card

• Can get up to 10% cashback on bill payments & online purchases
• Can get up to 10% cashback on international expenses
• Can get up to 10% cashback spent on  all mobile wallets.
• Get 8 complimentary airport lounges access per year
• Avail buy 1 get 1 free offer Costa Coffee
• Medical & Travel Insurance 

To earn cashback on X Credit Card, the minimum monthly spend required per month is AED 2500 across all categories

What is the process to claim cashback from the Standard Chartered X Credit Card?

• Cashback on the SC X Credit Card is not applied automatically—you’ll need to redeem it manually through the SC Mobile app, online banking, or by calling customer service. Once redeemed, the cashback is credited to your card within two working days. Be sure to use your cashback within 12 months of redemption.

5. First Abu Dhabi Bank (FAB) 

Along with several credit cards with various rewards, FAB Cashback Credit Card is one of the best cashback credit cards that offers high cashback on essentials like groceries, fuel, utility expenses. 

FAB Cashback Credit Card

• Get 5% cashback on supermarket (including online), dining, and fashion spends – capped at AED 150 per category 
• Earn 1% cashback on all other eligible spends, and 0.15% on select excluded categories.
• Enjoy 3% cashback on international (non-AED) transactions.
• Cashback is awarded as FAB Rewards and redeemable instantly through the FAB Mobile app.
• Enjoy up to 8 free global airport lounge visits per year, plus 6 visits for one guest.
• Get 2 complimentary airport transfers and 20% off on Careem rides (up to 3 rides/month).
• Access Global Blue VIP services including fast-track airport lanes and city lounges.
• Save 3% on travel-related spending along with exclusive travel offers.
• Get up to 40% off flights and hotel bookings via MakeMyTrip + wallet bonuses up to AED 300.
• Get AED 40 off Carrefour online with a minimum spend of AED 250, once monthly.
• Get 40% off Talabat orders up to AED 40, four times monthly (min spend AED 100 per order).
• 10% off fashion orders at Farfetch.com (min spend USD 300).
• 15% off at Bicester Village Shopping Collection (includes packages and services).
• Two movie tickets monthly for just AED 20 at select cinemas (Reel, Cine Royal, Star Cinemas).
• Get up to 2 free Costa coffees and 2 additional items at Dubai Airport locations.

FAB cashback credit card redemption process:

• FAB Cashback is earned as FAB Rewards points.
• You can redeem these points instantly through the FAB Mobile App for cashback, travel, shopping, or utility payments.
• Simply log in, choose “Rewards,” and select your preferred redemption option.

6. HSBC 

HSBC Live+ Credit Card provides up to 6% cash back on daily expenses.

HSBC Live+ Credit Card

• Get 6% cashback on dining 
• Get 5% cashback on fuel expenses in the UAE
• Get 2% cashback on groceries & education expenses in the UAE
• Get 0.5% cashback on all other expenses
• Get 12 free visits to 1000+ airport lounges through Loungekey
• Get a complimentary one-year Careem plus subscription.
• Get multi-trip travel insurance
• Avail buy 1 get 1 free on movie tickets
• 24-hour concierge service
• No annual fee in the first year

The minimum monthly spend required for HSBC Live+ Credit Card to earn cashback per month is AED 3000.

How can you redeem cashback on  HSBC Live+ Credit Card?

• To redeem cashback on your HSBC Live+ Credit Card, log in to the HSBC UAE Mobile Banking app or Online Banking.
• Go to your credit card account and select the cashback redemption option.
• Choose the amount and confirm to credit it back to your card.

7. Emirates Islamic Bank 

Emirates Islamic Cashback Plus Credit Card is free for life credit card that offers up to 10% cashback. 

Emirates Islamic Cashback Plus Credit Card 

• Get upto 10% cashback at supermarkets 
• Get upto 10% cashback on education 
• Get upto 10% cashback on dining and telecom expenses
• Get 2 rounds of golf for free at any time of the week 
• Get make RTA related payments easily 
• Get free access to airport lounges worldwide 
• Get 2 “buy 1 get 1 free” movies tickets per month at Reel cinemas 
• Get multi-trip travel insurance 

To earn cashback on the Cashplus Credit Card, you must spend a minimum of AED 3,000 each month.

What steps are needed to redeem Emirates Islamic Cashback Plus cashback?

• You can easily redeem your Cashback Plus points in seconds using Online or Mobile Banking.
• Just log in to your Emirates Islamic account, go to ‘Cards’, then ‘Rewards’.
• Choose ‘Redemption’ and submit your request to complete the process.

8. Emirates NBD Liv Credit Card

LIV Cashback+ Card:

• Get up to 4% cashback on all purchases. 
• Get complimentary airport transfers
• Get Complimentary airport lounge access across the globe 
• Get up to 3 Free Cinema tickets every month at VOX Cinemas.
• Get 10% off on Cleartrip
• Get 10% off moneyback on Booking.com
• Redeem rewards as cashback or Skywards Miles instantly
• Convert large purchases into interest-free instalments
• Access up to 90% of your credit limit as an instant loan

How to Redeem Cashback of Liv Cashback+ Credit Card?

• To redeem cashback on your Liv Cashback+ Card, open the Liv app and log in to your account.
• Tap on your card, then go to the cashback section to view your available balance.
• Select the cashback amount you'd like to redeem and confirm the request.

9. Dubai Islamic Bank:

DIB Consumer Cashback Platinum Card:

Features & Benefits of Consumer Cashback Platinum Card:

• Can get up to 4% cashback on all categories including Supermarket & Hypermarket Purchase, Automobile, Etisalat & Du Bill Payments, Fuel,  Utility Bills, Salik and Nol recharges, School Fees.
• Can also get Personal Accident and Travel Insurance coverage.

To be eligible for cashback on the DIB Consumer Cashback Platinum Card, you need to spend a minimum of AED 4,000 each month.

How to Redeem Cashback of Consumer Cashback Platinum Credit Card?

• To redeem cashback on your Consumer Cashback Platinum Card, log in to Online or Mobile Banking.
• Go to the 'Cards' section and select 'Rewards' to view your cashback balance.
• Choose ‘Redemption’ and follow the steps to complete your request.

10. Ajman Bank

Ajman Bank ULTRACASH Mastercard Touch Card:

• Can get a welcome bonus of AED 500 for UAE Nationals & AED 300 for Expats.
• Can get up to 10% cashback for UAE Nationals & 5% cashback for expats on selected categories of online purchases, supermarkets & school fees, and other spends.
• Get 3 complimentary valet parking per month
• 0% balance transfer facility for 3 to 6 months.
• Enjoy complimentary lounge access
• Get a 30% discount on cleartrip.com using promo - Mastercard

How to Redeem Cashback of Ajman Bank UltraCash Mastercard?

• You can redeem your cashback easily using the Ajman Bank Mobile Banking app.
• Log in, navigate to your credit card details, and select the cashback redemption option.
• Follow the on-screen steps to complete your request instantly.

11. Dubai First

Dubai First Cashback Card:

• Get 5% cash back on Dining, supermarkets, and fuel spent.
• Get 3% cashback on International purchases.
• Get 1% cash back on other spending.
• Avail balance transfer facility
• Get 0% Easy Purchase Plan
• Get movie tickets per month at VOX Cinemas for AED 20.
• Get an unlimited airport lounge access. 

How to Redeem Cashback of Dubai First Cashback Card?

• To redeem cashback on your Dubai First Cashback Credit Card, log in to the Dubai First mobile app.
• Go to the ‘Rewards’ or ‘Cashback’ section under your card details.
• Select the cashback amount and confirm to redeem instantly.

Things to consider before getting a cashback credit card in UAE

Before getting a cashback credit card in UAE, you must take the following aspects into consideration:

Spend eligibility – Some of the cards can come with a minimum spend criteria i.e. the cardholder must spend a significant amount (varies with the card) in order to avail the cashback offered. Make sure that you read the spend eligibility criteria carefully before applying for a cashback credit card.

Upper limits – Like the minimum spend requirement, most banks also have an upper limit on the maximum amount of cashback that can be availed by a cardholder or category-specific limits. These need to be carefully understood to avoid any discord with the bank.

Fine Print – Read the fine print. Is cashback available across all merchants or is it only with a pre-specified list of stores? Can you combine an offer along with availing a cashback? Not all the transactions will be eligible for cashback 

Validity - The cashback offered can have validity. Ensure you redeem the cashback earned within the validity. 

The cashback rate is an obvious factor that must be considered when you are looking for a cashback card. It also helps to understand and analyze your spending pattern as it can be aligned with the benefits offered by the credit card issuer. With a plethora of cashback credit cards in UAE, it is possible to find a card that matches your spending style. Some banks offer a higher cashback rate on groceries and utility bills while some offer better rates for travel-related transactions. This analysis can go a long way in maximizing your cashback rewards and can place the top cashback card in your wallet.

Also, Check out credit cards in the UAE that offer benefits for fuel, groceries, or school fees.

Fuel cashback credit card in UAE

Grocery cash back credit card in UAE

School fee offers Credit cards in UAE

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