In a bustling financial landscape like the UAE, where financial institutions compete to offer the most attractive benefits, cashback credit cards have emerged as a popular choice for savvy consumers. Offering an array of perks, from dining discounts to airport lounge access, these cards provide an excellent opportunity to earn back on everyday expenses. In this comprehensive guide, we will delve into the details of the top cashback credit cards available in the UAE, exploring their features, benefits, and why they stand out in the competitive market.


Citi Cashback Credit Card:

  • Minimum Salary: AED 8,000
  • Cashback Rate: 3.25%
  • Annual Fee: AED 0

Key Benefits:

  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance

Top Reasons to Choose:

  • No caps, no minimum spend, no redemption process & no spend
  • 3% on non AED spend | 2% on Grocery Spend | 1% on all Other
  • Unlimited access to 1000+ lounges worldwide
  • No Annual Membership fee in year 1
  • Get 15% off at Carrefour, 10% off at Amazon.ae

Emirates Islamic Switch Cashback Credit Card:

  • Minimum Salary: AED 10,000
  • Cashback Rate: 44.28%
  • Annual Fee: AED 314

Key Benefits:

  • Golf Offers
  • Valet Parking
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty

Top Reasons to Choose:

  • Up to 8% cashback on your spends
  • Unlimited complimentary access to over 1000+ airport lounges
  • Switch between Lifestyle or Travel category any month
  • Two rounds of complimentary golf per month

Standard Chartered Cashback Credit Card:

  • Minimum Salary: AED 8,000
  • Cashback Rate: 3.45%
  • Annual Fee: AED 525

Key Benefits:

  • Dining Offers
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection

Top Reasons to Choose:

  • AED 500 Cashback as Joining offer
  • Buy 1 Get 1 at Costa Coffee
  • 20% off on 3 Careem rides
  • Access to Visa concierge
  • VIP guest status in 900+ international properties

FAB Cashback Credit Card:

  • Minimum Salary: AED 10,000
  • Cashback Rate: 3.50%
  • Annual Fee: AED 315

Key Benefits:

  • Cinema Tickets
  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access

Top Reasons to Choose:

  • 5% cashback on supermarket and 3% on school fees and Dining
  • Unlimited complimentary airport lounge access

HSBC Cashback Credit Card:

  • Minimum Salary: AED 10,000
  • Cashback Rate: 3.45%
  • Annual Fee: AED 313

Key Benefits:

  • Golf Offers
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Purchase Protection
  • Extended Warranty

Top Reasons to Choose:

  • No annual fee for the 1st year
  • ‘Buy 1 Get 1 Free’ tickets at Vox Cinemas
  • Up to 5% cashback on your spend
  • Enjoy up to AED 600 cashback when you open a Cashback card

Mashreq Cashback Card:

  • Minimum Salary: AED 5,000
  • Cashback Rate: 3.45%
  • Annual Fee: AED 0

Key Benefits:

  • Travel Insurance
  • Purchase Protection
  • Extended Warranty

Top Reasons to Choose:

  • 5% Cashback on dining spends in the UAE
  • No annual fees for your Primary and Supplementary cards
  • AED 500 Cashback as a joining bonus
  • 20% Cashback at your favorite e-commerce merchants

CBD Super Saver Credit Card:

  • Minimum Salary: AED 8,000
  • Cashback Rate: 3.69%
  • Annual Fee: AED 400

Key Benefits:

  • Valet Parking
  • Cinema Tickets
  • Dining Offers
  • Balance Transfer
  • Airport Lounge Access
  • Travel Insurance
  • Purchase Protection
  • Extended Warranty

Top Reasons to Choose:

  • Earn up to 10% cashback on specific categories
  • Complimentary global airport lounge access with Lounge Key
  • Up to 5 free supplementary credit cards

Dubai First Cashback Card:

  • Minimum Salary: AED 5,000
  • Cashback Rate: 3.50%
  • Annual Fee: AED 0

Key Benefits:

  • Dining Offers
  • Health & Fitness
  • Balance Transfer
  • Airport Lounge Access
  • Contactless Tech
  • Air Miles

Top Reasons to Choose:

  • 5% cashback on online purchases, utility bills, school fees
  • 5% cashback at the supermarket
  • 1% Cashback on everything else
  • Unlimited Airport Lounge access
  • 20% off on Careem rides

ADCB 365 Cashback Credit Card:

  • Minimum Salary: AED 8,000
  • Cashback Rate: 3.69
  • Annual Fee: AED 383

Key Benefits:

  • Cinema Tickets
  • Dining Offers
  • Balance Transfer

Top Reasons to Choose:

  • Welcome bonus of AED 365 subject to spend of AED 5000
  • No Annual fee for the first year
  • 5% Cashback On groceries
  • Monthly cashback up to AED 1000
  • Buy 1 Get 1, Free movie tickets at VOX Cinemas in the UAE

Simplylife Cashback Credit Card:

  • Minimum Salary: AED 5,000
  • Cashback Rate: 3.25%
  • Annual Fee: AED 0

Key Benefits:

  • Cinema Tickets
  • Balance Transfer
  • Airport Lounge Access

Top Reasons to Choose:

  • Free for Life
  • Earn 1% cashback on ALL spends
  • 2 free movie tickets anywhere in the UAE

Comparison Table:

Credit CardMinimum SalaryCashback RateAnnual FeeKey Benefits
Citi Cashback Credit CardAED 8,0003.25%AED 0Dining Offers, Balance Transfer, Airport Lounge Access, Travel Insurance
Emirates Islamic Switch Cashback Credit CardAED 10,00044.28%AED 314Golf Offers, Valet Parking, Airport Lounge Access, Travel Insurance, Purchase Protection, Extended Warranty
Standard Chartered Cashback Credit CardAED 8,0003.45%AED 525Dining Offers, Airport Lounge Access, Travel Insurance, Purchase Protection
FAB Cashback Credit CardAED 10,0003.50%AED 315Cinema Tickets, Dining Offers, Health & Fitness, Balance Transfer, Airport Lounge Access
HSBC Cashback Credit CardAED 10,0003.45%AED 313Golf Offers, Cinema Tickets, Dining Offers, Balance Transfer, Purchase Protection, Extended Warranty
Mashreq Cashback CardAED 5,0003.45%AED 0Travel Insurance, Purchase Protection, Extended Warranty
CBD Super Saver Credit CardAED 8,0003.69%AED 400Valet Parking, Cinema Tickets, Dining Offers, Balance Transfer, Airport Lounge Access, Travel Insurance, Purchase Protection, Extended Warranty
Dubai First Cashback CardAED 5,0003.50%AED 0Dining Offers, Health & Fitness, Balance Transfer, Airport Lounge Access, Contactless Tech, Air Miles
ADCB 365 Cashback Credit CardAED 8,0003.69AED 383Cinema Tickets, Dining Offers, Balance Transfer
Simplylife Cashback Credit CardAED 5,0003.25%AED 0Cinema Tickets, Balance Transfer, Airport Lounge Access

Choosing the right cashback credit card can significantly impact your financial well-being, and in the UAE, the options are abundant. Whether you are a frequent traveler, a gourmet enthusiast, or someone who loves cashback on everyday expenses, the top cashback credit cards in the UAE cater to a variety of lifestyles. It’s essential to analyze your spending patterns, lifestyle preferences, and financial goals before selecting the card that aligns with your needs. With this comprehensive guide and detailed comparison, you’re well-equipped to make an informed decision that not only suits your financial requirements but also enhances your overall lifestyle.

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