Best cashback credit cards in the UAE

Updated July 17, 2026 Fact checkedEditorial integrity

No points maths, no transfer partners — just money back on what you already buy. Ranked by real-world cashback rates and caps.

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The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. Our analysis, reviews and opinions are entirely from our editorial team. View our advertising policy and product review methodology.

How to pick a cashback credit card

Cashback cards are the simplest rewards product: a fixed percentage back, no transfer partners, no devaluations. The catch is monthly caps and category exclusions.

Compare the effective rate on your top three spending categories, not the headline number — a “6%” card capped at AED 300 a month can return less than a flat 2% card once your budget grows.

Check how cashback is paid (statement credit beats vouchers), whether utilities and school fees earn, and confirm there is no minimum-spend condition to unlock the rate.

Yajool's top picks at a glance
MMashreq
#1Best overall cashback

Mashreq Cashback Credit Card

Cashback Min. salary AED 5,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.4.6 / 5Go to review

Our take: High cashback on daily spends with strong categories for groceries, fuel and utilities.

Heads up: To unlock 5% on groceries you must first spend AED 6,000 a month on non-grocery categories, and cashback is capped at AED 1,250 a month.

Annual fee

AED 350AED 0/year
First year waived
Offer
Welcome offerUp to AED 1,250 Cashback
How to unlockSpend AED 5,000 · 2 statements

Cashback rate

5%Earn 5% cashback on groceries and supermarkets.
2%Earn 2% cashback on fuel and utility bills.
1%Earn 1% cashback on all other purchases.

Key benefits

Foreign feesNone
Lounge access2 visits / year
Cashback capAED 1,250/month
1st year valueAED 2,300
Apply now

Why we chose it

Market-leading rates on groceries, fuel and utilities, a welcome cashback offer worth up to AED 1,250, and no annual fee.

Pros

  • First-year fee waived (AED 350 value)
  • Up to AED 1,250 welcome cashback
  • 5% cashback on groceries
  • Strong everyday categories — fuel & utilities
  • No foreign transaction fees
  • Low AED 5,000 minimum salary

Cons

  • Fee becomes AED 350 after year one
  • Cashback capped at AED 1,250 a month
  • Lounge access limited to 2 visits a year
  • Value depends on your category spend mix
  • Interest applies if you carry a balance
Annual fee (year 1)AED 0 — waived
Annual fee (year 2+)AED 350
Minimum salaryAED 5,000/month
Foreign transaction feeNone
0% installment planUp to 6 months
Lounge access2 visits / year
Welcome offerUp to AED 1,250 Cashback · Spend AED 5,000 · 2 statements
Interest rate3.45% per month
Earning cap1,250 / month
NetworkMastercard World
AADCBTTouchPoints
#2Best flexible rewards

ADCB TouchPoints Visa Signature

Rewards Min. salary AED 10,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.4.5 / 5Go to review

Our take: A flexible everyday rewards card with strong points earning, dining perks and airport lounge access.

Heads up: Only 6 lounge visits a year, and a 2.99% foreign-currency fee applies to every foreign or online spend in another currency.

Annual fee

AED 524AED 0/year
First year waived
Offer
Welcome offer50,000 TouchPoints
How to unlockSpend AED 5,000 · 2 statements

Rewards rate

4xEarn 4 TouchPoints per AED 1 on international spend.
2xEarn 2 TouchPoints per AED 1 on dining and groceries.
1xEarn 1 TouchPoint per AED 1 on all other purchases.

Key benefits

Foreign fees2.99%
Lounge access6 visits / year
Installments0% for 12 months
1st year valueAED 3,200
Apply now

Why we chose it

TouchPoints convert to statement credit at a solid rate — effectively cashback, with lounge access and dining perks on top.

Pros

  • First-year fee waived (AED 524 value)
  • 50,000 TouchPoints welcome bonus
  • Flexible redemption across travel, shopping and bills
  • Strong dining and grocery earning
  • 6 lounge visits per year
  • Reasonable AED 10,000 minimum salary

Cons

  • Fee becomes AED 524 after year one
  • 2.99% foreign transaction fee
  • Lounge visits capped at 6 per year
  • TouchPoints value varies by redemption choice
  • Bonus requires AED 5,000 spend in 60 days
  • Interest applies if you carry a balance
Annual fee (year 1)AED 0 — waived
Annual fee (year 2+)AED 524
Minimum salaryAED 10,000/month
Foreign transaction fee2.99%
0% installment planUp to 12 months
Lounge access6 visits / year
Welcome offer50,000 TouchPoints · Spend AED 5,000 · 2 statements
Interest rate3.35% per month
NetworkVisa Signature
FFAB
#3Best simple no-fee card

FAB Standard Credit Card

Everyday Min. salary AED 5,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.4.1 / 5Go to review

Our take: A straightforward, low-cost card for everyday spending without bonus chasing or complex rewards.

Heads up: No welcome bonus, and base earning is just 1 point per AED — the value shows over the long term, not in year one.

Annual fee

AED 150/year

Rewards rate

2xEarn 2x points at supermarkets.
1xEarn 1x points everywhere — points never expire and redeem against your statement.

Key benefits

Foreign fees2.99%
Lounge accessNot included
Installments0% for 6 months
Apply now

Why we chose it

A clean, low-cost card for everyday spending when you want a second card without another fee.

Pros

  • Low, predictable AED 150 fee
  • Simple flat rewards on everything
  • Points never expire
  • Low AED 5,000 minimum salary
  • 0% installment plans
  • No bonus-spend hurdles

Cons

  • No welcome bonus
  • No first-year value boost
  • 2.99% foreign transaction fee
  • No lounge access
  • Lower rewards than premium cards
  • Interest applies if you carry a balance
Annual feeAED 150
Minimum salaryAED 5,000/month
Foreign transaction fee2.99%
0% installment planUp to 6 months
Welcome offerNone
Interest rate3.09% per month
NetworkVisa Classic

Frequently asked questions

Top UAE cards pay 1–6% depending on category, with monthly caps of AED 300–1,000. A family spending AED 8,000 a month typically earns AED 150–250 back.

On the cards here it posts as statement credit automatically or through a one-tap app redemption — avoid cards that pay out in vouchers.

If you fly less than a few times a year, choose cashback: the value is fixed, immediate and needs no planning.

How we chose these cards

Yajool's editors score every UAE card on the same four pillars — rewards value, travel benefits, fees & costs, and eligibility. Category winners are re-checked monthly against current public offers. Read our full ratings methodology and see how the top pick performed in our Skywards Infinite editorial review.

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