Last updated: June 23, 2026 · Cashback credit cards compared: 10 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
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Looking for the best cashback credit card in UAE in 2026? We compared 10 cashback credit cards from top banks in UAE to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026.
Quick Comparison: All 10 Cashback credit cards in UAE
Side-by-side comparison of the cashback credit card options Buzdy has verified data for in UAE as of June 23, 2026. Tap any name for full details.
| Cashback credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. Mashreq Cashback Card | Mashreq | — | Unlimited dining discounts via DragonFly, flexible r… | View → |
| 2. ADCB Traveller Credit Card | Abu Dhabi Commercial… | — | AED 2,000 hotel voucher, free Careem airport transfe… | View → |
| 3. Emirates Islamic Cashback Credit Card | Emirates Islamic Bank | — | 1,000+ airport lounges, unlimited golf, Buy 1 Get 1 … | View → |
| 4. ADIB Cashback Visa Card | Abu Dhabi Islamic Bank | — | — | View → |
| 5. Mashreq noon VIP Card | Mashreq | — | Free noon VIP membership, unlimited free next-day de… | View → |
| 6. HSBC Cashback Credit Card | HSBC | — | Automatic monthly cashback credit, 0% balance transf… | View → |
| 7. CBD One Credit Card | Commercial Bank of D… | — | Choose, pause or switch plan anytime; 50% off cinema… | View → |
| 8. CBD Super Saver Signature | Commercial Bank of D… | — | Positioned as the best cashback card in the UAE by CBD | View → |
| 9. RAKBANK World Credit Card | RAKBANK | — | Travel benefits, lifestyle privileges, unmatched sav… | View → |
| 10. DIB Consumer Platinum Card | Dubai Islamic Bank | — | — | View → |
Top 10 Cashback Credit Cards in UAE (2026)
1. Mashreq Cashback Card
Bank: Mashreq
- Annual Fee: Free for life
- Cashback: 5% unlimited on dining (local + international), 1% on everything else
- Welcome Bonus: AED 500 for new customers
- Benefits: Unlimited dining discounts via DragonFly, flexible repayment
The Mashreq Cashback Card is free for life and offers 5% unlimited cashback on all dining spends with no caps. One of the best value-for-money cashback cards in the UAE for food lovers.
2. ADCB Traveller Credit Card
Bank: Abu Dhabi Commercial Bank
- Annual Fee: AED 1,575 (incl. VAT)
- Cashback: 10% on airlines and hotels, 1.5% on domestic spending
- Benefits: AED 2,000 hotel voucher, free Careem airport transfers, lounge access
The ADCB Traveller Card offers the highest cashback rate on travel spending in the UAE — 10% on flights and hotels worldwide plus 1.5% on everything else domestically.
3. Emirates Islamic Cashback Credit Card
Bank: Emirates Islamic Bank
- Annual Fee: No annual fee
- Cashback: Up to 10% on supermarkets, education, dining, telecom
- Benefits: 1,000+ airport lounges, unlimited golf, Buy 1 Get 1 movies, Shariah-compliant
Shariah-compliant cashback card offering up to 10% back on daily categories. Includes 0% balance transfer for 6 months and complimentary valet parking.
4. ADIB Cashback Visa Card
Bank: Abu Dhabi Islamic Bank
- Cashback: 4% on groceries, fuel, dining, utilities (cap AED 1,000/month)
- Shariah-Compliant: Yes — profit-rate model, no interest
The ADIB Cashback Visa is one of the best Shariah-compliant cashback cards in the UAE, offering 4% back across most daily spending categories.
5. Mashreq noon VIP Card
Bank: Mashreq
- Annual Fee: Zero
- Cashback: 5% at noon, NowNow, Sivvi, noon Food, Namshi; 1% on all other spends
- Benefits: Free noon VIP membership, unlimited free next-day delivery, digital activation in 2-3 hours
Perfect for online shoppers — 5% cashback across the entire noon ecosystem with no minimum spend. Card issued digitally in 2-3 hours.
6. HSBC Cashback Credit Card
Bank: HSBC
- Cashback: Up to 5% on everyday spends
- Benefits: Automatic monthly cashback credit, 0% balance transfer for up to 24 months
HSBC's cashback card offers up to 5% on everyday spending with automatic monthly crediting — no points to convert, no hassle.
7. CBD One Credit Card
Bank: Commercial Bank of Dubai
- Annual Fee: Zero
- Cashback: Up to AED 500/month on food delivery, travel, fitness, coffee
- Benefits: Choose, pause or switch plan anytime; 50% off cinema; 1,000+ lounges via LoungeKey
CBD One is the most flexible cashback card in the UAE — choose your own cashback categories and switch them anytime. Zero annual fee with premium perks.
8. CBD Super Saver Signature
Bank: Commercial Bank of Dubai
- Cashback: High cashback rates on everyday categories
- Benefits: Positioned as the best cashback card in the UAE by CBD
The CBD Super Saver Signature is marketed as the best cashback credit card in the UAE, offering competitive rates across everyday spending categories.
9. RAKBANK World Credit Card
Bank: RAKBANK
- Cashback: Exceptional cashback on all spends
- Benefits: Travel benefits, lifestyle privileges, unmatched savings
The RAKBANK World Credit Card goes beyond a typical cashback card, offering exceptional cashback rates combined with travel and lifestyle privileges.
10. DIB Consumer Platinum Card
Bank: Dubai Islamic Bank
- Cashback: Up to 4% on supermarkets, school fees, fuel, utilities
- Shariah-Compliant: Yes — developed with Dept. of Economic Development
The DIB Consumer Platinum Card is ideal for families — 4% cashback on school fees, supermarkets and fuel. Fully Shariah-compliant.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with cashback credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Cashback credit card in UAE
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Central Bank of the UAE (CBUAE) public register before you apply
Frequently Asked Questions: Cashback credit cards in UAE
What is the best cashback credit card in UAE for 2026?
The best cashback credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 10 products in this guide above.
What credit score do I need for a cashback credit card in UAE?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. Of the 10 products in this guide, 10 publish a minimum income requirement — the lowest is AED 5,000 a month (CBD One, Commercial Bank of Dubai). The other 0 do not publish one on their product page.
Can I apply online for a cashback credit card in UAE?
Yes, most major banks in UAE now offer fully online applications. Tap "View" on any cashback credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these cashback credit cards regulated and safe?
Retail banking in United Arab Emirates is supervised by Central Bank of the UAE (CBUAE). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
What annual fee do credit cards in UAE charge?
Of the 162 credit cards Buzdy lists for United Arab Emirates, 62 publish an annual fee amount, from AED 99 to AED 2,625 with a median of AED 731 (figures shown in AED; a few are quoted in other currencies on their own pages). 39 are published as free and 61 do not publish a figure at all. Fees differ by bank and tier and change over time, so check the product page for its exact schedule.
Can I get a cashback credit card if I am self-employed in UAE?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for UAE
- All banks in UAE
- Bank branches across UAE
- Credit Cards In UAE 2026
- Personal Loans In UAE 2026
- Savings Accounts In UAE 2026
- UAE EMI calculator
- UAE savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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