Best credit cards for fuel & transport in the UAE

Updated July 17, 2026 Fact checkedEditorial integrity

Commuting costs add up fast — these cards return the most at the pump and on daily transport without penalty rates.

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Watch out: many premium cards punish fuel spend

Fuel is a penalty category on many premium UAE cards — earning as little as a tenth of the normal rate or excluded from rewards entirely. A dedicated everyday card for the pump often out-earns a flagship travel card there.

If you commute daily, check ride-hailing and Salik/Nol top-ups too — they often code as transport or government services with their own rates and exclusions.

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

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

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
FFAB
#2Best low-cost commuter 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 straightforward, low-cost card for everyday spending without bonus chasing or complex rewards.

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
RRAKBANKRRAK Rewards
#3Best no-fee option

RAKBANK World Credit Card

Travel Min. salary AED 3,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.4.4 / 5Go to review

Our take: Great entry-level card with solid travel rewards and no annual fee.

Heads up: No annual fee, but no lounge access, and the 4x travel rewards are capped at 2,000 points a month.

Annual fee

AED 0/year
Offer
Welcome offer15,000 RAK Rewards
How to unlockSpend AED 3,000 · 2 statements

Rewards rate

4xEarn 4x rewards on travel and airline purchases.
2xEarn 2x rewards on dining and restaurants.
1xEarn 1x rewards on all other purchases.

Key benefits

Foreign feesNone
Lounge accessNot included
Installments0% for 6 months
1st year valueAED 800
Apply now

Why we chose it

Great entry-level card with solid travel rewards and no annual fee.

Pros

  • No annual fee — ever
  • 15,000 RAK Rewards welcome bonus
  • 4x rewards on travel and airlines
  • 2x rewards on dining
  • No foreign transaction fees
  • Low AED 3,000 minimum salary

Cons

  • No complimentary lounge access
  • Lower reward rates than premium travel cards
  • Welcome bonus requires AED 3,000 spend in 60 days
  • Rewards less flexible than transferable points
  • Interest applies if you carry a balance
Annual fee (year 1)AED 0 — waived
Annual fee (year 2+)AED 0
Minimum salaryAED 3,000/month
Foreign transaction feeNone
0% installment planUp to 6 months
Welcome offer15,000 RAK Rewards · Spend AED 3,000 · 2 statements
Interest rate3.25% per month
Earning cap2,000 / month
NetworkMastercard World

Frequently asked questions

The Mashreq Cashback Card pays 2% at fuel stations — most premium cards earn far less there, so a dedicated everyday card wins at the pump.

Fuel has thin merchant margins, so banks classify it as a penalty category — some premium co-brands earn under 10% of their normal rate on it.

Often they code as government services, which many cards exclude — check the exclusion list before topping up large amounts.

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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