Best credit cards for groceries in the UAE

Updated July 17, 2026 Fact checkedEditorial integrity

Supermarket runs are most households’ biggest card category — these cards return the most on every grocery dirham.

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How to maximise grocery cashback

Grocery rates are where UAE cards differ most — from 5% cashback down to penalty rates on some premium co-brands. For a family spending AED 2,000–3,000 a month at supermarkets, picking the right card is worth over AED 1,000 a year.

Read the conditions under the headline rate: top grocery rates often require minimum monthly spend in other categories, and caps limit how much earns the boosted rate. Online grocery apps sometimes code differently from supermarkets — check before relying on them.

Yajool's top picks at a glance
MMashreq
#1Best grocery 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
EEmirates IslamicCCashback
#2Best Islamic grocery card

Emirates Islamic Cashback Plus Card

Cashback Min. salary AED 12,000/mo
Yajool Editor’s Rating ?Card Rating is based on the opinion of Yajool’s editors and is not influenced by the card issuer.4.3 / 5Go to review

Our take: The strongest Sharia-compliant cashback card — high rates on groceries, dining and school fees with no interest, ever.

Heads up: Cashback is capped at AED 1,000 a month, and the boosted rates apply to domestic spend only — international purchases earn the 1% base rate.

Annual fee

AED 368AED 0/year
First year waived
Offer
Welcome offerUp to AED 500 Cashback
How to unlockSpend AED 5,000 · 2 statements

Cashback rate

4%Earn 4% cashback on supermarkets and groceries.
4%Earn 4% cashback on dining.
2%Earn 2% cashback on school fees.
1%Earn 1% cashback on all other purchases.

Key benefits

Foreign fees2.85%
Lounge accessNot included
Cashback capAED 1,000/month
1st year valueAED 1,800
Apply now

Why we chose it

The strongest Sharia-compliant cashback card — high rates on groceries, dining and school fees with no interest, ever.

Pros

  • Sharia-compliant murabaha structure
  • First-year fee waived (AED 368 value)
  • 4% cashback on groceries and dining
  • 2% back on school fees — rare in the UAE
  • AED 500 welcome cashback
  • Cashback posts automatically as statement credit

Cons

  • Fee becomes AED 368 after year one
  • Cashback capped at AED 1,000 a month
  • No lounge access
  • AED 12,000 minimum salary
  • Profit charges apply if you carry a balance
Annual fee (year 1)AED 0 — waived
Annual fee (year 2+)AED 368
Minimum salaryAED 12,000/month
Foreign transaction fee2.85%
0% installment planUp to 12 months
Welcome offerUp to AED 500 Cashback · Spend AED 5,000 · 2 statements
Interest rate3.09% per month
Earning cap1,000 / month
NetworkVisa Platinum
AADCBTTouchPoints
#3Best points on groceries

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

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

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
#4Best no-frills supermarket 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

Frequently asked questions

The Mashreq Cashback Card pays 5% at supermarkets — the top mainstream rate, subject to a monthly spend condition and a cashback cap.

Rates key off the merchant category code — major chains like Carrefour, Lulu and Spinneys qualify, but small groceries and mixed retailers may not.

Usually when ordered through the supermarket’s own app; third-party delivery aggregators often code as food delivery instead, at a lower rate.

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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