Best Cashback Credit Cards in UAE

Written ByTanvi PathakTeam Lead Writer (Expertise - Banking )

Reviewed ByBrijesh KumarChief Business Officer, Paisabazaar.ae

Last updated on 08 June 2026Editorial Standards

Table of Content

Credit Cards with Cashback: An Overview
How Do We Select the Best Cash Back Credit Card in UAE?
Best Cash Back Credit Cards 2026: A Comparative Table
Best Cashback Card in UAE by Spending Category
Features and Benefits of Credit Cards with Cash Back Offers
How Does a Cash Back Credit Card UAE Work?
Difference Between Credit Cards with Cashback and Reward Points Credit Cards
Cashback Limits, Caps and Conditions
Who Should Choose a Card with the Highest Cash Back in UAE?
How to Choose the Right Cash Back Credit Card UAE?
Compare Cash Back Credit Cards in UAE & Apply!
Frequently Asked Questions

Credit Cards with Cashback: An Overview

Credit cards with cash back are among the most popular card types in the UAE. They reward you for your daily spending with real-time savings. So, whether you spend on groceries, dining, fuel, or online shopping, the best cashback card in UAE will help you reduce your monthly expenses.

Here are the best cash back credit cards in the UAE. Also, find out how they work, who can apply, and how to choose the right card.

How Do We Select the Best Cash Back Credit Card in UAE?

Choosing the card with the best cashback is not about choosing one product; it is about matching you with the right credit card. Our recommendations are based on a structured evaluation to ensure accuracy, real-use value, and transparency.

Here’s how we evaluate the cashback credit cards —

Rewards System

The cards are evaluated based on your everyday spending habits in the UAE —

Cashback rates across major categories (including groceries, fuel, dining, and online shopping)
Redemption flexibility
Other ongoing benefits along with cashback

The consideration is given to cards with a consistent and practical reward structure.

Fees

Our ranking also depends on factors like annual fees, interest rates, foreign transaction fees, and late payment and cash advance charges.

The aim is to highlight cards that weigh up to the benefits.

Insider’s Insights: Our Process

The products mentioned above are evaluated for their benefits over promotional influence.

We review the information for these products on —

Official bank websites
Guidelines laid down by the Central Bank of UAE
Internal product team

We ensure that the recommendations remain unbiased and informative.

Top Cash back Credit Cards in UAE

Best Cash Back Credit Cards 2026: A Comparative Table

Here’s a quick rundown of the top credit cards with cashback offers for 2026 —

Credit Card	Annual Fee	Minimum Monthly Salary	Cashback Rate	Key Categories	Apply
ADCB 365 Cashback Credit Card	Free for 1st year, AED 383.25 starting 2nd year	AED 8,000	AED 365 as a welcome bonus \| Up to 6% cashback on everyday spends	3% cashback on telecom, utilities, fuel, and Salik 6% cashback on dining (including online food orders) 5% cashback on grocery-related spends 1% cashback on all international retail purchases and any domestic retail purchases	Apply Now
HSBC Live+ Credit Card	Free for 1st year, AED 313.95 starting 2nd year	AED 12,500	Up to 6% cashback on everyday spends	6% cashback on dining 5% cashback on fuel 2% cashback on supermarket and entertainment 0.5% cashback on all other spends	Apply Now
FAB Cashback World Credit Card	AED 300	AED 5,000	Up to 5% cashback	5% cashback on supermarket, dining, and fashion 1% cashback on all other spending, excluding select categories 0.15% cashback on select categories 3% cashback for non-AED spending	Apply Now
Citi Cashback Credit Card	Free for 1st year, AED 300 from the 2nd year	AED 8,000	Up to 3% cashback	3% cashback on non-AED spending 2% cashback on grocery/supermarket spending 1% cashback on all other spending	Apply Now
ADCB Essential Cashback Credit Card	Free for Life	AED 5,000	Up to 1% cashback	1% cashback on all purchases Maximum AED 70 cashback per month on movie tickets	Apply Now
FAB GEMS World Credit Card	AED 399	AED 8,000	Up to 10% cashback	Up to 3% cashback on GEMS school fees 10% cashback on uniforms, bus fees, co-curricular activities, and canteen spends	Apply Now
Liv. Cashback+ Credit Card	AED 700	AED 12,000	Up to 4% cashback \| Maximum cap AED 1,500	On shopping, fee payments, fuel, travel, or anywhere you like	Apply Now
Blue FAB Signature Credit Card by Al-Futtaim	Free for Life	AED 15,000	Up to 7% cashback	7% cashback on spends at Al-Futtaim retail brands, including IKEA, Toys R Us, M&S, ACE, etc. 3% cashback on spending at Al Futtaim schools, card brands, and more 1% cashback on other spends	Apply Now
FAB ADNOC Rewards Credit Card	AED 300	AED 5,000	Up to 15%	15% back on spends at ADNOC service stations 3% back on spending at Salik, DARB, and Mawaqif 1% back on spending on groceries and supermarket shopping 0.15% back on spends on services like government, utilities, insurance, other fuel, education, real estate, quick service restaurants, and more	Apply Now
Liv. Cashback Credit Card	Free for Life	AED 5,000	Up to 2% cashback \| Maximum Cap - AED 750	On shopping, fee payments, fuel, travel, or anywhere you like	Apply Now

Best Cashback Card in UAE by Spending Category

If you are looking for cash back credit cards for a specific spending category, we have curated a list of the best cards across the most common categories.

BEST CASH BACK CREDIT CARDS FOR GROCERIES

Best Cash Back Credit Cards -

Credit Card	Benefit
ADCB 365 Credit Card	5% cashback on grocery-related spends
Liv Cashback+ Credit Card	Up to 4% cashback
Citi Cashback Credit Card	2% cashback on grocery/supermarket spending
HSBC Live+ Credit Card	2% cashback on supermarket spending

Suitable for - Families and households with monthly expenses

BEST CASHBACK CARD IN UAE FOR DINING & ENTERTAINMENT

Best Credit Cards with Cash Back -

Credit Card	Benefit
FAB Cashback World Credit Card	5% cashback on dining
ADCB Essential Cashback Credit Card	Maximum AED 70 cashback per month on movie tickets
HSBC Live+ Credit Card	6% cashback on dining 2% cashback on entertainment

Suitable for - Lifestyle and weekend spenders

BEST CREDIT CARD WITH CASHBACK ON FUEL & TRANSPORTATION

Best Cash Rewards Credit Cards -

Credit Card	Benefit
ADCB 365 Credit Card	3% cashback on fuel
FAB ADNOC Rewards Credit Card	15% back on spends at ADNOC service stations 3% back on spending at Salik, DARB, and Mawaqif
Citi Cashback Credit Card	2% cashback on grocery/supermarket spending

Suitable for - Regular commuters

BEST CASH REWARDS CREDIT CARD WITH NO ANNUAL FEES

Best Cash Back Credit Cards -

Credit Card	Benefit
Liv. Cashback Credit Card	Free for Life
Blue FAB Signature Credit Card by Al-Futtaim	Free for Life
ADCB Essential Cashback Credit Card	Free for Life

Suitable for - Budget-conscious users

BEST CASH BACK CREDIT CARDS FOR EDUCATION

Best Credit Cards with Cashback -

Credit Card	Benefit
Blue FAB Signature Credit Card by Al-Futtaim	3% cashback on spending at Al Futtaim schools, card brands, and more
FAB GEMS World Credit Card	Up to 3% cashback on GEMS school fees 10% cashback on uniforms, bus fees, co-curricular activities, and canteen spends
Liv. Cashback Credit Card	Up to 2% cashback on fee payment

Suitable for - Parents with school-going children

Features and Benefits of Credit Cards with Cash Back Offers

With the highest cash back credit cards, you earn on everyday spend categories. There are, however, monthly or annual caps on the cashback limits.

To understand more about these cards, read on —

Savings on Daily Spending - With this type of card, you get money back on everyday essentials, including groceries, fuel, and utilities.
Lifestyle Advantages - With a credit card offering cash back, you also receive additional perks. The list includes movie ticket offers, dining discounts, and other entertainment deals.
Financial Flexibility - Most credit cards with cash back offers let you convert large purchases into easy payment plans with lower interest, balance transfers, and (sometimes) instant cash loans.
Added Security - Some cards offer additional security features, such as purchase protection and extended warranties on items you buy with your card.

How Does a Cash Back Credit Card UAE Work?

A cash back credit card UAE works on a simple format — a percentage of the amount spent on the card is returned to the cardholder.

Depending on the card issuer and expenditure categories, the return could vary. However, credit cards with cash back are usually quite appealing for regular expenses, including dining, groceries, and fuel.

Here’s a step-by-step process of how these cards work -

You earn cashback on categories like online shopping, fuel, groceries, or dining
Some cards have a monthly cap on earning these benefits
You can redeem the cashback in AED, statement credit, or reward points, depending on the card type — read the fine print

Your cashback will largely depend on –

Spending category
Minimum transaction value
Monthly caps
Merchant eligibility

Difference Between Credit Cards with Cashback and Reward Points Credit Cards

Cash back credit cards in UAE offer direct savings, while reward credit cards can be useful for vouchers, travel, and merchandise. Here’s a detailed comparison —

Basis	Cashback Credit Card	Reward Points Credit Card
Simplicity	Direct cash savings — simple mechanism	Points need to be converted
Flexibility	It can be used anywhere	Card usage (for earning points) is limited to partners
Value Transparency	Transparent, easy cashback valuation	The point valuation varies
Expiry	Rarely expire	They expire often
Best for	Regular spending	Travel or luxury purchases

Cashback Limits, Caps and Conditions

Understand that the cashback limits, caps, and conditions will vary by card and bank. However, given these limits, you should be aware of the monthly cashback cap, category-specific caps, and monthly spending requirements.

So before selecting a card with the highest cash back, consider —

Monthly category-wise cashback caps
Excluded merchants
Overall cashback limits
Cashback redemption rules

Who Should Choose a Card with the Highest Cash Back in UAE?

Whether you are a regular spender or new to the world of cards, the best cash back credit cards are for everyone. Here’s who can choose cashback credit cards —

Budget-conscious spenders
New users who want a simple ‘spend and get a portion of money back’ reward
Lifestyle-focused people who dine out, shop at retail stores, groceries, entertainment, and more
Frequent travellers
Regular spenders who spend on fuel, groceries, or utilities

Pro Tip – To maximise the cashback earnings, pay your credit card bill in full. This can also help you avoid interest and meet the eligibility criteria. Also, make sure you meet the spending criteria for the caps.

How to Choose the Right Cash Back Credit Card UAE?

To find the right card with the highest cash back, you need to analyse your spending habits, compare cashback rates, check cashback caps, and much more. The key factors to consider are below —

Analyse Spending Habits - Identify where you spend the most — dining, groceries, utilities, education, and so on — to select the card that offers higher cashback rates in these categories.
Cashback Rates & Caps - Find credit cards with higher cashback rates in the major spending categories. Also, check out the monthly/annual caps to understand your earning potential.
Fees vs Rewards - Compare cash back cards for potential cashback and the annual fee. This ensures positive returns, helping you save.
Minimum Spending/Salary - Ensure you meet the bank’s minimum monthly salary requirement and the minimum spending requirements to get maximum cashback.
Redemption - Understand how cashback gets credited to your card/account. Make sure to check out how you need to redeem the cashback amount.

Compare Cash Back Credit Cards in UAE & Apply!

You can compare cash back cards in the UAE on Paisabazaar.ae. We help you find the best cards to suit your requirements and spending habits. With us, you can —

Compare top cash back credit cards in UAE from the leading banks and lending institutions
Filter your cards as per your requirement
Apply online with minimal documentation

Frequently Asked Questions

Ans: Only some credit cards with cashback have no annual fees. Some cards waive the annual fee if you meet certain criteria, while others have an annual fee.

Ans: Credit cards that offer the highest cashback are ADCB 365 Cashback Credit Card, HSBC Live+ Credit Card, Blue FAB Signature Credit Card by Al-Futtaim, Liv. Cashback+ Credit Card, and so on. You can apply for any of these cards easily on Paisabazaar.ae.

Ans: Yes, most credit cards with cash back offers have a spending limit. Banks may apply it on a monthly or even annual basis.

Ans: In most situations, cashback is credited automatically every month or adjusted in the statement balance. Some cards even let you convert the cashback into reward points.

Ans: Some of the top zero annual fees cashback credit cards are Liv. Cashback Credit Card, Blue FAB Signature Credit Card by Al-Futtaim, and ADCB Essential Cashback Credit Card.

Ans: Both cards serve different purposes. Cashback cards help you save on cash, whereas rewards cards require conversion and are suitable for travel and merchandise purchases.

Ans: Yes, most credit cards with cash back impose a monthly cap on how much cashback you can earn per category or overall. Read the fine print to understand your cap and eligible transactions.

Ans: There’s no one best cashback credit card in the UAE. The right card depends on your spending habits, salary, and lifestyle requirements.

Ans: The minimum salary required to apply for the best cash back credit card is AED 5,000 per month. If you are looking for a card with more benefits, the salary bracket can rise.