# Best Cashback Credit Cards in UAE 2026

**Published:** 2025-05-19T07:02:04.599Z
**Updated:** 2026-09-22T12:10:10.879Z
**Author:** Tanvi Pathak
**Original Url:** https://www.paisabazaar.ae/credit-cards/articles/top-cashback-credit-cards-in-uae/

Cashback credit cards return a percentage of your spending as cash on eligible transactions, including groceries, fuel, dining, education, online shopping, and utilities. The cashback rates currently range from 1% to 5% on everyday spend and can go as high as 15% (on co-branded or category-specific cards). However, the right card depends not on the reward, but on how you spend. ...read more

## Top Cashback Credit Cards in UAE

The best cashback credit cards depend not just on the promotional or headline rates. They depend on your spending patterns, monthly salary, and your credit profile. Here are the top credit cards that offer cashback.

| Credit Cards | Annual Fees | Minimum Monthly Salary |
| --- | --- | --- |
| Al Hilal Cashback Credit Card | Free for Life | AED 5,000 |
| ADCB Essential Cashback Credit Card | Free for Life | AED 5,000 |
| Dubai First Cashback Credit Card | Free for the 1st year | AED 5,000 |
| FAB Cashback World Credit Card | AED 300 | AED 5,000 |
| Liv Cashback Credit Card | Free for Life | AED 5,000 |
| HSBC Cash+ Credit Card | Free for the 1st year | AED 30,000 |

**Apply Best Credit Card**

## How Do We Select the Best Cash Back Credit Card?

The best cash back credit card is not the one with the highest promotional rate. It is the one that pays out for the categories you regularly spend in. We weigh the cashback rates and caps across major categories, redemption rules, and how the interest accrues against real-time cashback earnings.   
The rates are checked with official bank websites and published key fact statements.

**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

Free for Life

### Cashback Credit Card

CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance

Minimum Salary:**5,000**

Annual Fee:**Free for Life**

5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining

Enjoy complimentary airport lounge access to over 25 lounges worldwide.

Cashback

### ULTRACASH Mastercard Touch Card

Valet ParkingBalance Transfer Facility0% Installment Plans

Minimum Salary:**10,000**

Annual Fee:**500**

Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates

10% cashback on Fuel for the first 3 months and 5% thereafter

Cashback

### Cashback Plus Credit Card

Airport Lounge AccessAirport Pick-Up / DropMovie DiscountsDining DiscountsTravel Discounts0% Installment PlansInstant Cash LoanFood Delivery Offers

Minimum Salary:**15,000**

Annual Fee:**700 + VAT**

4% cashback on ALL YOUR SPENDS - no categories, no fuss!

Up to 1500 cashback every month

## 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](https://www.paisabazaar.ae/credit-cards/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<br>6% cashback on dining (including online food orders)<br>5% cashback on grocery-related spends<br>1% cashback on all international retail purchases and any domestic retail purchases | Apply Now |
| [HSBC Live+ Credit Card](https://www.paisabazaar.ae/credit-cards/hsbc-live-plus-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<br>5% cashback on fuel<br>2% cashback on supermarket and entertainment<br>0.5% cashback on all other spends | Apply Now |
| [FAB Cashback World Credit Card](https://www.paisabazaar.ae/credit-cards/fab-cashback-credit-card/) | AED 300 | AED 5,000 | Up to 5% cashback | 5% cashback on supermarket, dining, and fashion<br>1% cashback on all other spending, excluding select categories<br>0.15% cashback on select categories<br>3% cashback for non-AED spending | Apply Now |
| [Citi Cashback Credit Card](https://www.paisabazaar.ae/credit-cards/citibank-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<br>2% cashback on grocery/supermarket spending<br>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<br>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<br>10% cashback on uniforms, bus fees, co-curricular activities, and canteen spends | Apply Now |
| [Liv. Cashback+ Credit Card](https://www.paisabazaar.ae/credit-cards/liv-cashback-plus-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](https://www.paisabazaar.ae/credit-cards/blue-fab-signature-credit-card/) | 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.<br>3% cashback on spending at Al Futtaim schools, card brands, and more<br>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<br>3% back on spending at Salik, DARB, and Mawaqif<br>1% back on spending on groceries and supermarket shopping<br>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](https://www.paisabazaar.ae/credit-cards/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 

  

## How Does a Cash Back Credit Card UAE Work?

A cashback credit card returns a percentage of what you spend, usually as statement credits or cash. The earning rate depends on the issuer and category. Beyond the base earning, some of these cards also offer lifestyle perks and value-added benefits like easy payment plans and purchase protection on credit card purchases.

1.  You earn cashback on categories like online shopping, fuel, groceries, or dining
2.  Some cards have a monthly cap on earning these benefits
3.  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

**Disclaimer:** You receive cashback only when you clear your statement balance in full. If you carry a balance regularly, you will not be able to earn enough cashback.

## Cashback Credit Cards vs 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 |

## 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 [credit card eligibility criteria](https://www.paisabazaar.ae/credit-cards/articles/credit-card-eligibility-in-uae/). 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 —

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

## Frequently Asked Questions

Q1: Are cashback credit cards free for life?

**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. 

Q2: Which cashback credit card offers the highest cashback in UAE?

**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. 

Q3: Do cards with cash back offers have spending limits?

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

Q4: Is cashback credited automatically?

**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.

Q5: Which credit cards with cashback have no annual fees?

**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. 

Q6: Are cashback credit cards better than reward points cards?

**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. 

Q7: Can cash back credit cards have monthly caps?

**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.

Q8. Which is the best cashback credit card in UAE?

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

Q9. What is the minimum salary required for best cash back credit card?

**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.

Q10. Can self-employed individuals get a cashback credit card in UAE?

**Ans:** Yes. However, some banks may require additional documents, including trade licences, bank statements showing consistent income, or audit financials, instead of a salary certificate. 

Q11. Do cashback credit cards charge a foreign transaction fee?

**Ans:**  Most of them do, usually between 2 and 3.5% on purchases made outside the UAE or in a foreign currency.

Q12. Can I hold more than one cashback card at the same time?

**Ans:** Yes, there’s no rule against holding multiple credit cards in the UAE, given you meet each bank’s income and eligibility criteria. You can pair a category-specific card with a flat-rate card for overall categories.

Q13. Do cashback caps reset every month?

**Ans:** On most cashback cards, the caps reset per month at the start of each statement cycle. A few cards apply caps annually. Go through the card’s terms and conditions before applying. 

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