Best Cash Back Cards In The UAE: Our Top Picks

Dreaming of earning while you spend?

That’s exactly what cash back cards in the UAE can help you achieve.

These power-packed cards, offered by various banks across the UAE, not only help you manage your finances but also reward you every time you shop.

This article breaks down the top cash back cards, how to apply for them, and tips to maximize your rewards.

Let’s dive in!

What Is A Cash Back Card?

Cash back cards allow you to spend money on groceries and other items and earn a percentage of that spending back.

This return percentage, however, varies greatly on the type of product you are purchasing, the card you are using, monthly caps, and the amount you are spending.

Nevertheless, these cash back cards also offer monthly rewards and some offer points on a certain amount of purchases. These points will be accumulated over time and can be redeemed with products and services later.

It would be best to choose a cash back credit card after you have evaluated your spending habits and needs and read the fine print of these cards.

Most of the more significant cash back percentages and discounts are often reserved for one type of product or have many restrictions on it.

So although the offers might look amazing on the surface, they might not be as beneficial once you go out and shop using these cards.

In this article, we will talk about some of the best cash back credit cards to use in the UAE.

Which Are The Best Cash Back Credit Cards To Use In The UAE?

Mashreq Cash Back Credit Card

Mashreq Cash Back Credit Card offers a whopping 5% percent cashback!

The best part about this card is that it has no annual fees, and it’s charged once for life.

As a nice welcome gesture, Mashreq Bank offers you AED 500 bonus on this card.

There is a 5% cash back on dining in specific areas all over UAE.

You can benefit from up to 2% cash back on any shopping expenses you do outside the UAE, and if you do shopping expenses inside the UAE, you can get up to 1% cash back.

There is a massive 20% cash back on zomato and Netflix! Also, you can get an additional 0.33% cash back when you pay your bills and other utilities.

The requirement for this cash back credit card is that you must have a minimum monthly salary of AED 5,000.

It is straightforward to apply for this card.

You must go to Mashreq Bank’s website, download the form, and fill it out. Then make an account and upload the documents online, and if your application is approved, the card will be delivered to your doorstep.

Get started with Mashreq Today🔥

Citibank Cash Back Credit Card

Citibank cash back credit card offers AED 200 as a welcome cashback bonus. Meaning you must check it out!

This card guarantees a 3% cash back on all goods and services.

Given the rising inflation prices, we all know how essential groceries are these days and how costly they are. Citibank Cashback card allows you to get a 2% cash back on your groceries!

There is no annual fee for this cash back credit card.

However, there is an AED 300 fee for the second year. Therefore, make sure that this card fits your needs before you decide to get one.

If you are a frequent flyer, this card will suit you well. You can access up to 1,000 VIP airport lounges and travel in style.

You can also get discounts and offers on dining and entertainment options in 95 other countries. So, if you are a traveler, this card is for you!

Mastercard offers amazing buy-one-get-one offers, and this card allows you to get access to those as well.

The minimum salary to apply for this card is AED 8,000.

Get started with Citibank Today🔥

ADIB Cash Back Visa Platinum Card

Abu Dhabi Islamic Bank’s cash back platinum card is well known for offering cash back services with every transaction.

The signature feature of the card is that you will get a 1% cash back on every purchase you make with this card regardless of the cap of nature of the purchase.

This card has no annual fees, so that you can use it without any stress for a year.

Also, if you are a traveler, you will be pleased to know that this card offers private access to airport lounges worldwide with Veloce Lounge.

Free roadside assistance and valet services are available with this card. Which means you must keep it close; it can come in handy in many situations.

Get started with ADIB Today🔥

CBD Super Saver Credit Card

CBD Super saver credit card is another unique cash back credit card on our list.

This card was awarded the Most Innovative Card of the year award in 2019. Hence you can expect a lot of luxury and cash back rewards.

You can get an impressive 10% cash back on utilities such as your bills, educational fees, and groceries. This figure makes it one of the best cards on our list.

Moreover, if you are a fan of the cinema and love going to the movies, this card will be your favorite one as it offers 50% off on tickets at the VOX Cinema in the UAE.

Moreover, you can get up to two free valet services at up to 15 different locations in the UAE, so you can take your expensive car and not have a single thing to worry about!

CBD Super card lets you get a 12% cash back on purchases made on Agoda.com, not to mention there is an 8% cashback on hotels.com if you are in the mood for a vacation!

Get s t arted with CBD Today🔥

RAK Bank Titanium Credit Card

RAK Bank card has no annual fees, which is one of its plus points. Moreover, it can get you a 5% cash back at several high-end restaurants in the UAE and groceries.

RAK Bank lets you get 50% off movie tickets, so your inner cinema lover will enjoy this card.

This card allows you to get a 2% cash back on international and domestic purchases.

You can also get free travel accident insurance on this card to travel without any worries. There are many Mastercard offers on this card, some of which are a steal at buy-one-get-one offer.

Make sure you get your hands on those!

If you are a frequent user of public transport in the UAE, then you will be pleased to know that the RAK Bank account lets you get 20% cash back on every Careem ride!

If that is not saving money, we don’t know what is!

Get started with RAK Bank Today🔥

Standard Chartered Platinum Credit Card

Standard Chartered Cards are known not just to provide cash back but amazing other offers and privileges, which makes them, stand out from the rest.

You can get 1% cash back on domestic purchases and 2% cash back on any purchases made outside the UAE.

If you are a lover of coffee and like to travel, this standard chartered platinum credit card was made for you, as it allows you a buy-one-get-one-free offer from Costa Coffee and premium access to VIP airport lounges all over the world.

This is what we call traveling in style.

You can also get 30% off on any bookings made through Cleartrip.ae, 10% off on hotels.com and a massive 20% off on your Careem rides! This card is perfect for traveling!

Get started with Standard Chartered Today🔥

FAB Cash Back Credit Card

FAB Cash back credit card offers cash back on essential bills and other utilities, making it more practical than other cards on this list.

You can get a 5% cash back on a host of things like supermarket bills, groceries, utility expenses, and fuel. In addition, you can get a 1% cash back on other domestic and international purchases.

First Abu Dhabi bank has partnered up with many leading cinema houses so that you can get discounted tickets throughout the week.

Some cinemas where you can get these discounts include Reel Cinemas, Cine Royal Cinemas, and Oscar Cinema.

Moreover, you can access around 10 local airport lounges and a 20% cash back offer on Careem UAE.

Get started with FAB Today🔥

HSBC Cash Back Credit Card

The owners of this cash back credit card will get a welcome bonus. This card offers up to 10% cash back, depending on the type of purchase.

HSBC is one of the best cards if you travel a lot since it offers 10% cash back on fuel costs. There is a 3% cash back on groceries and a 1% cash back on other expenses.

This card allows you to access hundreds of different airport lounges with Lounge Key.

Careem will also offer you two free airport rides per year on this card, which is a welcome surprise. Moreover, you can get 12% off your purchases at Agoda.com.

This part will excite you if you are a fan of cuisine.

HSBC Cashback card will let you access 30% discount on selected high-end restaurants in the UAE.

Also, there are many discounts and buy-one-get-one-free offers on VOX Cinema movie tickets.

The only downside of this card is that it is only accessible for the first year.

Get started with HSBC Today🔥

Emirates Islamic Cashback Plus Credit Card

The best thing about this cash back credit card is that it is free for life and allows the peace of mind of not paying a recurring annual fee.

This is one of the best cash back cards, offering 10% cash back on Supermarket bills, educational fees, and dining services! This card will help you in your daily life.

If you are a fan of golf, then this card will let you play twice per week for free.

You can access VIP airport lounges with this card worldwide, which is exciting if you are a frequent traveler.

Emirates Islamic Cashback card allows you to get discounts, and buy-one-get-one-free offers at Reel Cinemas, so if you are a fan of going to the movies, you should hurry up!

Get started with Mashreq Today🔥

Conclusion

As we wrap up, remember that the perfect cash back card is the one that matches your spending habits.

We’ve delved into some of the best options available in the UAE, but the final decision should be based on your unique needs and lifestyle.

So, start comparing, apply for the one that catches your eye, and let your shopping pay you back!

Happy shopping!

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