Looking for the best cashback credit cards in UAE 2025? Whether you live in Dubai, Abu Dhabi, or anywhere across the Emirates, cashback cards are one of the smartest ways to save on everyday expenses like dining, groceries, fuel, and shopping. With the right card, you can turn routine spending into real rewards without paying extra annual fees.
Many banks now offer lifetime free credit cards in UAE that combine cashback, rewards, and lifestyle perks. These cards are especially popular among expats and residents who want to save money while enjoying benefits such as free movie tickets, fuel discounts, and even credit cards with airport lounge access in UAE.
If your priority is online shopping, you may also want to explore the best credit cards for online shopping in UAE. But if cashback savings on everyday spends is your focus, this guide will highlight the top options, compare their features, and help you choose the right card for your lifestyle.
Top 5 Cashback Credit Cards in UAE (2025 Edition)
Here are the most popular cashback credit cards in the UAE, each offering unique perks to match different lifestyles and spending habits.
1. ADCB Lulu Platinum Credit Card
- Annual Fee: AED 0 (Lifetime Free)
- Minimum Salary: AED 5,000
- Cashback: Up to 5% at Lulu stores, free movie tickets
- Best For: Grocery shoppers & families
If your priority is saving on groceries, this card is ideal. You may also explore our guide to best credit cards in UAE for groceries for more tailored options.
2. Citi Cashback Credit Card
- Annual Fee: AED 0 (First year free, waived on minimum spend)
- Minimum Salary: AED 8,000
- Cashback: 3% dining, 2% groceries, 1% all spends
- Best For: Expats & international usage
Well-suited for frequent travelers and expatriates. See our list of best credit cards in UAE for expats for alternatives with travel and lifestyle perks.
3. FAB Cashback Credit Card (Islamic)
- Annual Fee: AED 0 (Lifetime Free)
- Minimum Salary: AED 5,000
- Cashback: Up to 5% on fuel & groceries, Shariah-compliant
- Best For: Drivers & Islamic banking users
As a Shariah-compliant option, it suits users who prefer Islamic banking. Discover more choices in our best Islamic credit cards in UAE guide.
4. Emirates Islamic Cashback Plus Credit Card
- Annual Fee: AED 0 (Waived on minimum spend)
- Minimum Salary: AED 5,000
- Cashback: Up to 10% on telecom, education, dining, fuel
- Best For: Families & bill payers
This card is particularly strong for households managing recurring bills, like telecom and education, while still enjoying lifestyle benefits.
5. RAKBANK Red Credit Card
- Annual Fee: AED 0 (Lifetime Free)
- Minimum Salary: AED 5,000
- Cashback: Up to 5% on dining, groceries, utilities, free remittances
- Best For: Budget-conscious cardholders
This card is perfect for daily savings across dining and utilities, with the added advantage of free remittances for expats sending money home.
Comparison Table: Best Cashback Credit Cards in UAE
A quick side-by-side comparison makes it easier to choose the right cashback credit card based on annual fees, salary requirements, and cashback perks.
| Credit Card |
Annual Fee |
Minimum Salary |
Cashback Highlights |
Best For |
| ADCB Lulu Platinum Credit Card |
AED 0 (Lifetime Free) |
AED 5,000 |
5% cashback at Lulu stores, free movie tickets |
Grocery shoppers & families |
| Citi Cashback Credit Card |
AED 0 (1st year, waived on spend) |
AED 8,000 |
3% dining, 2% groceries, 1% all spends |
Expats & international usage |
| FAB Cashback Credit Card (Islamic) |
AED 0 (Lifetime Free) |
AED 5,000 |
5% fuel & groceries cashback, Shariah-compliant |
Drivers & Islamic banking users |
| Emirates Islamic Cashback Plus Credit Card |
AED 0 (waived on spend) |
AED 5,000 |
Up to 10% on telecom, education, dining, fuel |
Families & bill payers |
| RAKBANK Red Credit Card |
AED 0 (Lifetime Free) |
AED 5,000 |
5% on dining, groceries, utilities, free remittances |
Budget-conscious cardholders |
Pro Tip: If you’re mainly spending on groceries and fuel, ADCB Lulu and FAB Cashback are unbeatable. For expats who travel frequently, Citi Cashback is a safer option thanks to global acceptance.
Looking for cost-saving alternatives? Check our guide to best credit cards in UAE without annual fees or explore the best rewards credit cards in UAE to see how cashback compares with other benefits.
Benefits of Cashback Credit Cards in UAE
Cashback credit cards in the UAE are not just about saving money they also come with a wide range of perks that make everyday spending more rewarding. Whether you’re shopping, dining, or fueling up, these cards can help you stretch your dirhams further.
Key Benefits:
- Daily Savings on Essentials – Earn cashback on groceries, dining, fuel, and utility bills.
- Lifestyle Privileges – Access exclusive dining discounts, movie offers, and shopping rewards.
- No Annual Fee Options – Many banks now offer lifetime free credit cards in UAE, making them cost-effective.
- Airport Lounge Access – Enjoy complimentary entry to premium lounges in UAE and abroad; see our best travel credit cards in UAE for cards that combine travel perks with cashback.
- Shariah-Compliant Choices – Some banks provide Islamic cashback cards; learn about top Islamic credit cards in UAE if you need Shariah-compliant options.
- Global Acceptance – Widely accepted across online and in-store merchants worldwide, perfect for expats.
- Automatic Cashback – Cashback is credited directly to your account every month without complex redemption steps.
Why It Matters: Unlike traditional rewards programs where points often expire, cashback cards provide real, instant value that helps you save money with every transaction.
How to Choose the Right Cashback Credit Card in UAE
Selecting the right cashback credit card depends on your lifestyle, spending categories, and financial goals. Not all cards offer the same benefits, so consider the following factors:
By aligning the cashback benefits with your personal spending habits, you can ensure maximum savings and additional perks every time you use your card.
Cashback vs Rewards Credit Cards: Which is Better?
When choosing a credit card in the UAE, one of the most common dilemmas is whether to go for a cashback card or a rewards card. Both have their advantages, but the right choice depends on your lifestyle and financial priorities.
Cashback Credit Cards
These cards give you instant value by returning a percentage of your spending as cash. They are best for those who prefer simplicity and want guaranteed savings. For everyday expenses such as groceries, dining, and utility bills, cashback credit cards in UAE are highly effective.
Rewards Credit Cards
Rewards cards allow you to earn points that can be redeemed for flights, hotel stays, shopping vouchers, or lifestyle benefits. They are ideal for frequent travelers or people who want long-term benefits. Learn more in our dedicated guide to the best rewards credit cards in UAE.
Which One Should You Choose?
- If you value simplicity: Cashback cards provide direct savings with no need for conversions.
- If you travel often: Rewards cards with air miles and hotel offers may be more beneficial. Check our list of best travel credit cards in UAE.
- If you want balance: Some hybrid cards offer both cashback and rewards, giving you flexibility.
Ultimately, if your goal is straightforward savings, cashback is the way to go. But if you enjoy redeeming points for luxury experiences, rewards cards may be a better fit.
Eligibility Criteria for Cashback Credit Cards in UAE
Before applying for a cashback credit card, you need to meet certain eligibility conditions set by UAE banks. While requirements vary slightly between providers, the following criteria are the most common:
- Minimum Salary: Most banks require a monthly income of AED 5,000–8,000. If you earn less, check our guide to best credit cards in UAE for low salary.
- Age: Applicants must be at least 21 years old. Some banks allow 18+ applicants with a guarantor.
- Residency: You must be a UAE resident with a valid Emirates ID and residence visa.
- Credit Score: A good AECB credit score (650+) improves approval chances. Learn how to improve it in our guide to building credit score in UAE.
- Employment: Salaried individuals need a valid salary certificate or bank statements. Self-employed applicants may require trade licenses and audited financials.
- Required Documents: Emirates ID, passport copy, residence visa, salary slips or certificate, and 3–6 months of bank statements.
Meeting these eligibility requirements not only ensures a smoother application process but also increases your chances of approval for premium cashback cards.
How to Maximize Cashback Benefits
Getting a cashback credit card is just the first step. To make the most of it, you need to use the card strategically and align it with your lifestyle expenses. Here are some practical tips to maximize your cashback benefits in the UAE:
- Focus on High-Reward Categories: Use your card for groceries, dining, and fuel where cashback rates are highest. For example, check out the best dining credit cards in UAE for extra savings at restaurants.
- Leverage Online Shopping Cashback: Many cards offer extra cashback for e-commerce purchases. Explore our guide to the best online shopping credit cards in UAE to save more on digital purchases.
- Plan Big Purchases: Some banks run seasonal cashback promotions. Timing large purchases during these periods can boost your rewards.
- Pay in Full Every Month: Always clear your balance to avoid interest charges, which can offset cashback earnings.
- Take Advantage of Travel Cashback: If you travel frequently, use cards that offer cashback on flight bookings and hotel stays. See our list of best travel credit cards in UAE.
- Use Mobile Wallets: Some cards offer extra rewards when linked to Apple Pay, Samsung Pay, or Google Pay for contactless transactions.
By combining smart spending habits with the right card, you can unlock significant savings and enjoy additional perks throughout the year.
Step-by-Step Process to Apply for a Cashback Credit Card in UAE
Applying for a cashback credit card in the UAE is straightforward if you prepare the right documents and choose a card that fits your financial profile. Here’s a simple step-by-step guide:
- Check Eligibility: Confirm that you meet the minimum salary, age, and credit score requirements. If you are unsure, refer to our detailed eligibility criteria for UAE credit cards.
- Compare Cashback Cards: Use online banking websites or comparison platforms to identify the most rewarding cashback card. You can also explore our best credit cards in UAE without annual fees guide for cost-effective options.
- Prepare Required Documents: Keep your Emirates ID, passport copy, residence visa, salary certificate or payslips, and 3–6 months’ bank statements ready.
- Apply Online or in Branch: Most banks offer quick online applications with instant pre-approval. Alternatively, visit a bank branch for in-person verification.
- Verification & Approval: A bank representative may call to verify your details. Once approved, your card is usually delivered within 3-7 working days.
- Activate and Start Using: Once you receive your card, activate it through online banking or customer service and start earning cashback immediately.
By following these steps carefully, you can ensure a smooth approval process and quickly enjoy the benefits of cashback rewards in the UAE.
Common Mistakes to Avoid When Using Cashback Cards
Cashback credit cards can help you save significantly, but many users miss out on benefits or even lose money due to common mistakes. Here are the top pitfalls to avoid:
- Carrying a Balance: Paying only the minimum due will result in high interest charges that can wipe out your cashback earnings. Always clear your balance in full.
- Ignoring Spending Caps: Some cards limit monthly cashback (e.g., AED 150–200). Spending beyond the cap won’t earn you additional rewards. Choose wisely by comparing the best credit cards in UAE.
- Missing Payment Deadlines: Late payments not only incur fees but may also cancel your cashback for the billing cycle. Cards like the lifetime free cards in UAE often include fee waivers, but only if you pay on time.
- Applying for Multiple Cards at Once: Too many applications in a short time can hurt your AECB credit score. Learn how to manage this better in our guide to building credit score in UAE.
- Choosing the Wrong Categories: If you rarely spend on travel, don’t choose a travel-focused cashback card. Instead, pick a card aligned with your lifestyle, such as dining or grocery cashback cards.
- Overlooking Hidden Fees: While many cards are marketed as “free,” some may have foreign transaction fees or cash withdrawal charges. Always read the fine print.
By avoiding these mistakes, you can ensure that your cashback credit card truly works to your advantage and provides long-term savings.
Best Cashback Credit Cards in UAE for Groceries
Grocery spending is one of the biggest household expenses in the UAE. Choosing a credit card with high cashback on supermarkets can help families save hundreds of dirhams every year.
Top Picks:
- ADCB Lulu Platinum Credit Card – Up to 5% cashback at Lulu stores, plus discounts on dining and shopping.
- FAB Cashback Credit Card (Islamic) – Up to 5% cashback on groceries and fuel with Shariah-compliant benefits.
If groceries are your priority, check out our full guide on the Best Credit Cards in UAE for Low Salary Earners, many of these options offer strong cashback for everyday expenses.
Best Cashback Credit Cards in UAE for Dining & Food Delivery
Dining out and ordering online through Talabat, Zomato, or Deliveroo is common in the UAE. Cashback cards that reward these spends can reduce your monthly food budget.
Top Picks:
- Emirates Islamic Cashback Plus Credit Card – Up to 10% cashback on dining, telecom, and education.
- RAKBANK Red Mastercard – Up to 5% cashback on dining and utility bills, plus lifestyle offers.
For food lovers, pairing cashback with Buy 1 Get 1 Free dining offers can double your savings.
Best Cashback Credit Cards in UAE for Online Shopping
E-commerce and app-based shopping have become a daily routine for expats and residents in Dubai and Abu Dhabi. The right card can give extra cashback and online protection.
Top Picks:
- Citibank Citi Simplicity Credit Card – Lifetime free card with no annual fees, free purchase protection, and balance transfer offers.
- Standard Chartered Manhattan Platinum – 3% cashback on groceries and online spends, plus lifestyle discounts.
Pro tip: Use cashback cards that also offer zero foreign transaction fees if you shop from international websites.
Best Cashback Credit Cards in UAE for Travel & Fuel
Frequent travelers and commuters in the UAE benefit most from cards that combine fuel cashback with travel perks like airport lounge access.
Top Picks:
- FAB Cashback Credit Card (Islamic) – Up to 5% cashback on fuel, Shariah-compliant with monthly cashback credits.
- Standard Chartered Manhattan Platinum – Global lounge access at 1,000+ airports, plus cashback on fuel and utilities.
For frequent fliers, you may also want to check our dedicated guide on the Best Travel Credit Cards in UAE.
Which Cashback Credit Card is Best for Expats in UAE?
Expats make up the majority of UAE residents, and banks offer multiple no-fee cashback cards suitable for newcomers. Most expat-friendly cards have simple eligibility requirements and attractive lifestyle rewards.
Top Picks for Expats:
- Citibank Citi Simplicity Credit Card – Lifetime free, no hidden charges, and global acceptance.
- RAKBANK Red Mastercard – Cashback on everyday spends plus free remittances through RAKMoneyTransfer.
If you’re new to the UAE, check out our full guide on How to Build Credit Score in UAE to increase your chances of approval.
Best Cashback Credit Card in UAE for Salaries Under AED 5,000
Not every bank requires a high income to get a cashback credit card. Some options are designed for residents with modest salaries, ensuring you still enjoy perks like grocery cashback and fee-free usage.
Top Picks for Low Salary Earners:
- ADCB Lulu Platinum Credit Card – AED 5,000 minimum salary, lifetime free, and strong grocery cashback.
- FAB Cashback Credit Card (Islamic) – AED 5,000 salary eligibility, flexible cashback on fuel and groceries.
You can explore more options in our detailed guide on the Best Credit Cards in UAE for Low Salary Earners.
Best Cashback Credit Card in UAE for High Spenders
High-income professionals and frequent travelers in the UAE can maximize rewards with premium cashback cards. These cards often provide higher cashback caps, exclusive lifestyle discounts, and global travel perks.
Top Picks for High Spenders:
- Standard Chartered Manhattan Platinum – Premium cashback rates on groceries, fuel, and utility bills, plus 1,000+ airport lounges.
- Emirates Islamic Cashback Plus Credit Card – Up to 10% cashback on telecom, education, dining, and fuel, along with Islamic-compliant benefits.
For premium benefits beyond cashback, see our in-depth guide on the Best Travel Credit Cards in UAE.
Conclusion
Cashback credit cards in the UAE are one of the smartest financial tools for saving money on everyday expenses like groceries, dining, fuel, and online shopping. By choosing the right card, you not only earn instant rewards but also enjoy lifestyle perks such as airport lounge access and travel discounts.
If your priority is savings without extra costs, consider exploring lifetime free credit cards in UAE. For those who shop frequently online, our guide to the best online shopping credit cards in UAE will help you maximize e-commerce benefits. And if you travel often, don’t miss our list of the best travel credit cards in UAE.
The key is to align your card with your lifestyle. Whether you are an expat looking for simple savings, a frequent traveler seeking rewards, or a resident focused on daily essentials, there’s a cashback card that suits your needs.
Make a smart choice today compare features, check eligibility, and apply for the best cashback credit card in UAE to enjoy maximum rewards in 2025 and beyond.