Looking for the best dining credit cards in UAE? The top options in 2026 include ADCB 365 Cashback, HSBC Live+, Emirates Islamic Cashback Plus, FAB Cashback, Mashreq Cashback, DIB SHAMS and Citi Cash Back. Their benefits vary from dining cashback and restaurant discounts to food-delivery promotions.
Some cards offer up to 10% cashback on dining, but the highest rate is not necessarily the best deal. Minimum monthly spending, cashback caps, annual fees and eligible merchant categories can affect the rewards you actually receive.
For example, ADCB 365 offers 6% cashback on eligible dining, while HSBC Live+ offers 6% dining cashback subject to its monthly spending and cashback limits. Emirates Islamic Cashback Plus can offer up to 10% dining cashback, but its highest rate requires total monthly card spending of AED 17,500 or more.
This guide compares leading dining credit cards in the UAE based on cashback rates, spending requirements, cashback limits, annual fees, restaurant offers and food-delivery benefits. Use the comparison to find a card that fits your actual dining and monthly spending pattern.
Quick Comparison: Best Dining Credit Cards in UAE (2026)
Choosing a dining credit card in the UAE is not only about the highest cashback rate. Minimum spending requirements, cashback caps, annual fees and eligible transactions can affect the value you actually receive. Compare the key terms below to find a card that fits your dining and spending habits.
Best Dining Credit Cards in UAE 2026: Cashback, Spending Requirements and Fees
| Credit Card |
Dining Cashback |
Minimum Monthly Spend |
Cashback Cap |
Annual Fee |
Best For |
| ADCB 365 Cashback Credit Card |
6% |
AED 5,000 |
Up to AED 1,000 monthly |
AED 383.25 from 2nd year |
Regular dining and online food orders |
| HSBC Live+ Credit Card |
6% |
AED 3,000 |
Up to AED 200 per statement cycle |
AED 299; waived from 2nd year with AED 12,000 annual spend |
Dining and lifestyle benefits |
| Emirates Islamic Cashback Plus Card |
Up to 10% |
AED 3,000+ |
Up to AED 200 on dining |
AED 299 |
Higher monthly spending |
| FAB Cashback Credit Card |
5% |
AED 3,000 previous month |
Up to AED 150 on dining |
AED 300 |
Dining and everyday spending |
| Mashreq Cashback Credit Card |
5% on local and international dining |
No minimum spend |
Check current terms |
No annual fee |
Simple dining cashback |
| DIB SHAMS Infinite Covered Card |
5% back on dining |
Check current terms |
Up to 20,000 Wala’a rewards monthly |
Free from 2nd year with AED 60,000 annual spend |
Islamic banking and dining benefits |
| Citi Cash Back Credit Card |
1% on other eligible local spending |
No minimum spend |
No cashback cap up to credit limit |
AED 300 from 2nd year if AED 9,000 annual spend is not met |
Everyday cashback and dining offers |
Important: Cashback rates, spending requirements, earning limits, annual fees and promotional offers can change. Dining rewards may also depend on the merchant category assigned to a transaction. Check the latest card terms with the issuer before applying.
Which Dining Credit Card Is Right for You?
- For consistent dining cashback: ADCB 365 offers 6% cashback on dining, including online orders, subject to a minimum AED 5,000 monthly card spend.
- For dining and lifestyle benefits: HSBC Live+ offers 6% dining cashback when you spend at least AED 3,000 per month, along with additional lifestyle and dining benefits.
- For higher spending: Emirates Islamic Cashback Plus offers up to 10% dining cashback. The 10% tier applies when total monthly card spending reaches AED 17,500 or more.
- For dining and everyday spending: FAB Cashback offers 5% cashback on dining, with a monthly dining cashback cap of AED 150.
- For simple, no-fee cashback: Mashreq Cashback offers 5% cashback on local and international dining, with no annual fee and no minimum spend requirement to earn cashback.
The highest advertised cashback rate is not always the best value. A card offering 10% dining cashback may require substantially higher total monthly spending than a card offering 5% or 6%. Before applying, compare the cashback rate, minimum spend, monthly cap and annual fee against your actual spending.
Top 7 Best Dining Credit Cards in UAE for 2026
Looking for the best dining credit cards in UAE? The right card can help you earn cashback on restaurant spending, access dining discounts, or save on food delivery. However, the highest advertised cashback rate is not always the best value because minimum spending requirements, cashback limits, annual fees and merchant eligibility can affect your actual savings.
We compared leading UAE dining and cashback cards based on dining rewards, spending requirements, cashback caps, annual fees, food delivery benefits and current restaurant offers. Card terms and promotional offers can change, so check the latest conditions with the issuer before applying.
1. ADCB 365 Cashback Credit Card - Best for Consistent Dining Cashback
Dining Cashback: 6%
Minimum Monthly Spend: AED 5,000
Maximum Monthly Cashback: AED 1,000
Annual Fee: No fee in the first year; AED 383.25 including VAT from the second year
The ADCB 365 Cashback Credit Card remains one of the strongest options for regular dining because it offers 6% cashback on dining, including online orders. A minimum retail spend of AED 5,000 per calendar month is required to unlock cashback, and the total monthly cashback is capped at AED 1,000.
The card's dining cashback remained at 6% after ADCB's benefits update that took effect on July 1, 2026. The card also offers cashback on other spending categories, making it suitable for users who want one card for everyday expenses as well as dining.
Best for: Regular restaurant and online food spending
2. HSBC Live+ Credit Card - Best for Dining and Lifestyle Benefits
Dining Cashback: 6%, up to AED 200 per statement cycle
Minimum Monthly Spend: AED 3,000
Annual Fee: AED 299; waived from the second year when annual spending reaches AED 12,000
Dining Benefits: I Love Dining and Zomato Gold benefits
HSBC Live+ is a strong choice for people who want dining cashback combined with lifestyle benefits. Cardholders can earn 6% cashback on dining, up to AED 200 per statement cycle, when monthly spending reaches AED 3,000.
The card also includes access to dining discounts through the I Love Dining programme and complimentary Zomato Gold, which HSBC says can provide up to 50% off dining bills at more than 4,000 restaurants across the UAE, subject to the applicable terms.
Best for: Dining cashback combined with restaurant and lifestyle offers
3. Emirates Islamic Cashback Plus Card - Best for High Dining Cashback
Dining Cashback: Up to 10%
Minimum Monthly Spend: AED 3,000 to unlock cashback
10% Cashback Tier: AED 17,500+ total monthly spending
Dining Cashback Cap: AED 200 per month
The Emirates Islamic Cashback Plus Card offers one of the highest advertised dining cashback rates in the UAE, with cashback increasing according to total monthly card spending. Dining earns 3% when total monthly spending is AED 3,000 to AED 9,999, 5% at AED 10,000 to AED 17,499, and 10% when total monthly spending reaches AED 17,500 or more.
The important point is that the 10% rate is not available simply because you spend heavily on restaurants. The spending threshold is based on total card expenditure, and dining cashback is capped at AED 200 per month.
Best for: Higher-spending cardholders who can reach the top cashback tier
4. FAB Cashback Credit Card - Best for Dining and Everyday Spending
Dining Cashback: 5%
Dining Cashback Cap: AED 150 per month
Minimum Monthly Salary: AED 5,000
Annual Fee: AED 300
The FAB Cashback Credit Card offers 5% cashback on dining, with a monthly dining cashback cap of AED 150. It also provides cashback on other spending categories, including groceries and fashion, making it useful for cardholders who want dining rewards without using a card exclusively for restaurants.
FAB also states that a minimum spend of AED 3,000 in the previous month is required to be eligible to earn FAB Rewards. Cashback is provided through FAB Rewards and can be redeemed through the FAB Mobile app.
Best for: Dining combined with everyday cashback categories
5. Mashreq Cashback Credit Card - Best for Simple Dining Cashback
Dining Cashback: 5% on local and international dining
Minimum Spend: No minimum spend to earn cashback
Annual Fee: Free for life
Minimum Monthly Income: AED 5,000
The Mashreq Cashback Credit Card is a straightforward option for users who want dining cashback without a complicated minimum-spend requirement. Mashreq currently offers 5% cashback on local and international dining, while other spending categories earn different cashback rates.
The card is free for life for both primary and supplementary cards, and Mashreq states that there is no minimum spending requirement to start earning cashback.
Best for: Simple dining cashback with no annual fee
6. DIB SHAMS Covered Card - Best for Dining Cashback and Islamic Banking Benefits
Dining Cashback: 5% back on dining
Travel Cashback: 5% back on travel
Annual Fee: Waived after the first year subject to the applicable annual spending requirement
Additional Benefits: Airport lounge access, travel benefits and dining privileges
The DIB SHAMS Covered Card range is worth considering for users looking for an Islamic banking card with dedicated dining rewards. DIB currently advertises 5% back on dining and travel across its SHAMS Infinite, Signature and Platinum variants.
The SHAMS Infinite card also includes complimentary airport transfers, lounge access, valet parking and other lifestyle benefits. DIB states that the Infinite card's annual fee is waived after the first year when annual spending reaches AED 60,000. The Signature and Platinum variants have lower annual spending thresholds for subsequent fee waivers.
DIB also maintains a separate dining offers programme with discounts and buy-one-get-one promotions at selected restaurants, although individual offers have their own validity dates and conditions.
Best for: Cardholders seeking Islamic banking, dining cashback and lifestyle benefits
7. Citi Cash Back Credit Card - Best for Dining Offers and Everyday Cashback
Local Dining Cashback: 1% under the general cashback category
International Spend Cashback: 3% on non-AED spending
Grocery Cashback: 2%
Annual Fee: AED 300 from the second year if the AED 9,000 annual spend requirement is not met
The Citi Cash Back Credit Card is not primarily a dining cashback card, but it can still be useful for people who want everyday cashback alongside dining promotions. Citi currently offers 1% cashback on other eligible local spending, 2% on groceries and supermarkets, and 3% on non-AED spending.
The card also provides separate dining and lifestyle offers. Citi currently lists dining promotions and a Talabat offer providing 20% off, up to AED 14, once a month, subject to the applicable terms.
Best for: Everyday cashback with additional dining and food-delivery offers
How We Selected These Dining Credit Cards
We compared cards based on dining cashback rates, minimum spending requirements, cashback caps, annual fees, food-delivery benefits, restaurant discounts and broader card value. We give greater weight to benefits published by the card issuer and distinguish ongoing card benefits from limited-time promotions.
Cashback rates, fees, eligibility criteria and partner offers can change. Always check the latest product information and terms and conditions with the card issuer before applying.
What Dining Benefits Do the Best Dining Credit Cards in UAE Offer?
Dining credit cards can reward you in several ways. Depending on the card, you may get cashback on restaurant spending, discounts at participating restaurants or offers on food delivery. The value depends on the card's terms and how often you use each benefit.
- Dining cashback: Some UAE credit cards offer cashback on eligible restaurant, café and food-delivery transactions. The cashback rate may vary by card, and some issuers require a minimum monthly spend before you can earn rewards. Monthly cashback limits may also apply.
- Restaurant discounts: Selected credit cards offer discounts at participating restaurants and dining partners. These offers can be useful if you regularly visit the same restaurants. Check the offer terms for minimum bills, booking requirements, participating outlets and validity dates.
- Food delivery offers: Some cards provide promotions on food-delivery services such as Talabat and other participating platforms. Depending on the current offer, you may receive a percentage discount, a fixed amount off your order or another promotional benefit. These offers can change, so check the latest terms before using them.
- Buy-one-get-one dining offers: Certain credit card programmes include buy-one-get-one deals at selected restaurants. For couples or two-person meals, these offers can provide substantial value compared with standard cashback on the same transaction.
- Premium dining privileges: Some premium credit cards include access to dining programmes, exclusive restaurant offers and other lifestyle benefits. These features are more useful when you regularly use the participating restaurants. If the card has an annual fee, compare that cost with the benefits you are likely to use.
When comparing dining credit cards in the UAE, do not focus only on the advertised cashback rate. A card offering 5% cashback with no annual fee or minimum-spend requirement may be a better fit for moderate dining spend than a 10% cashback card that requires a much higher monthly spend.
How to Choose the Best Dining Credit Card in UAE
Choosing the best dining credit cards in UAE requires comparing cashback rates, restaurant discounts, and food delivery benefits based on your spending habits. The right card should match your usage pattern and deliver consistent savings, not just high advertised cashback.
Match the Card to Your Spending
If most of your spending is at restaurants and cafés, choose a card that offers high cashback on dining or strong partner restaurant discounts. If you order food frequently, a card that includes Talabat or Deliveroo under dining rewards will provide better value. Aligning the card with your real spending ensures you maximize benefits every month.
Cashback vs Restaurant Discounts
Cashback credit cards in UAE for dining return a percentage of your spending, usually credited monthly. This works well for regular usage and helps reduce overall expenses over time.
Restaurant discounts are applied instantly at the time of payment. These are more effective if you dine out often and prefer immediate savings. The best dining credit cards in UAE often combine both, giving you flexibility across different situations.
Consider Annual Fee vs Actual Savings
Many dining credit cards charge an annual fee, but the real focus should be on net value. If the cashback and dining offers you earn exceed the annual fee, the card is still beneficial.
Cards with no annual fee may seem attractive but often provide lower rewards. A paid card can deliver higher savings if used regularly for dining and food delivery.
Check Limits and Conditions
Before applying, review the key terms carefully. Most restaurant credit cards in UAE have limits that affect how much you can earn.
Pay attention to cashback caps, minimum spend requirements, and eligible merchant categories. These factors directly impact your actual savings and should not be ignored.
Key Takeaway
The best dining credit card in UAE is one that fits your spending habits and offers a strong mix of cashback, restaurant discounts, and food delivery benefits. A well-chosen card helps you save consistently on every meal without changing your lifestyle.
Tips to Maximize Rewards with Dining Credit Cards in UAE
A dining card only works well when you use it within its reward rules. Before paying, check the eligible category, cashback cap and any active restaurant or delivery offer.
- Use the card for eligible dining: Pay for restaurant, café and eligible food-delivery transactions with the card that gives you the highest dining reward. Check the issuer's eligible merchant categories because not every food-related transaction necessarily qualifies.
- Check offers before dining: If your card has a restaurant discount or dining promotion, check the participating outlets and conditions before paying. A direct discount can be more valuable than standard cashback on the same bill.
- Use food-delivery promotions when they fit your order: Look for current offers on platforms such as Talabat or Deliveroo. Compare the promotional discount with the normal cashback you would earn before choosing which offer to use.
- Watch the cashback cap: A high cashback rate has limited value once you reach the monthly earning limit. For example, if a card caps dining cashback at AED 150 or AED 200, track your rewards so you know when additional dining spend may earn a lower reward or no cashback.
- Use BOGO offers for larger meals: Buy-one-get-one dining promotions can work particularly well for two-person meals. Check the restaurant list, booking requirements and offer validity before visiting.
- Pay the balance in full: Cashback is not a benefit if interest charges outweigh the rewards earned. Paying your statement balance in full by the due date helps you avoid carrying interest on dining purchases.
For the cards compared in this guide, check the cashback rate, minimum monthly spend, earning cap and current dining offers before deciding where to use each card. Those conditions determine the actual reward you receive.
Things to Consider Before Applying for Dining Credit Cards in UAE
A high dining cashback rate does not tell you how much you will actually earn. Before applying, check the conditions that apply to your usual spending.
- Cashback caps: Check the maximum cashback you can earn from dining each month. A card may advertise a high rate, but the monthly cap can limit the reward on larger restaurant bills.
- Minimum spending: Some cards require a specific monthly spend before cashback becomes available. For example, ADCB 365 requires AED 5,000 in monthly spend to earn cashback. If you normally spend less, another card may provide better practical value.
- Eligible transactions: Dining rewards are usually based on the merchant category assigned to a transaction. A restaurant, café or food-delivery payment may not qualify in every situation. Check the issuer's eligible merchant categories and exclusions before applying.
- Annual fee: Compare the annual fee with the cashback and dining benefits you expect to use. Also check whether the fee can be waived by meeting a particular annual spending requirement.
- Food-delivery conditions: Talabat, Deliveroo and other delivery promotions may have order limits, promo codes, minimum order values or expiry dates. Treat these as promotional offers rather than assuming they are permanent card benefits.
- Reward redemption: Check how your rewards are credited and used. Some cards provide cashback, while others use points or a bank-specific rewards system. Look for expiry rules, redemption requirements and any applicable restrictions.
For a quick comparison, focus on four numbers first: cashback rate, minimum spend, monthly cashback cap and annual fee. Then check the dining and food-delivery offers that you are most likely to use.
Final Verdict: Which Dining Credit Card Should You Choose in UAE?
ADCB 365 Cashback Credit Card is a strong choice for regular dining spend, offering 6% cashback on eligible dining, including online orders. The AED 5,000 monthly spending requirement is the main condition to consider.
Emirates Islamic Cashback Plus offers the highest advertised dining cashback in this comparison, at up to 10%. However, the 10% rate requires total monthly card spending of AED 17,500 or more, while dining cashback is capped at AED 200 per month.
FAB Cashback Credit Card offers 5% cashback on dining, capped at AED 150 per month. It can also provide food-delivery promotions, including offers on Talabat, subject to current terms.
HSBC Live+ combines 6% dining cashback with additional dining and lifestyle benefits. The 6% cashback is capped at AED 200 per statement cycle and requires AED 3,000 monthly spending.
Mashreq Cashback Credit Card is the simpler option for dining cashback, offering 5% on local and international dining with no annual fee and no minimum spend requirement to earn cashback.
For most diners, the key comparison is not simply 5%, 6% or 10%. Check the monthly spending requirement and cashback cap first. These two conditions can make a bigger difference to your actual rewards than the headline cashback rate.
Card fees, cashback rules and promotional offers can change. Check the issuer's latest terms before applying.
Here are some commonly asked questions about the best dining credit cards in UAE, including cashback rates, restaurant discounts, and food delivery benefits.
Which is the best dining credit card in UAE?
The best dining credit cards in UAE include ADCB 365 Cashback Credit Card, HSBC Live+ Credit Card, and Emirates Islamic Cashback Plus Card. These cards offer up to 10% cashback, dining discounts, and food delivery offers.
Do dining credit cards in UAE offer cashback on food delivery?
Yes, most dining credit cards in UAE offer cashback on food delivery platforms like Talabat and Deliveroo. Some cards also provide additional discounts, promo codes, or reduced delivery fees.
How much cashback can I earn on dining in UAE?
You can earn between 5% and 10% cashback on dining with the best dining credit cards in UAE, depending on the card and monthly limits.
Are there dining credit cards in UAE with no annual fee?
Yes, some dining credit cards in UAE come with no annual fee, but they may offer lower cashback or fewer dining benefits compared to premium cards.
What is better: cashback or restaurant discounts?
Cashback provides ongoing savings on every transaction, while restaurant discounts offer instant bill reductions. The best dining credit cards in UAE combine both for maximum value.
Do dining credit cards include buy one get one offers?
Yes, many dining credit cards in UAE include buy one get one dining deals through partner programs, helping reduce overall dining costs.
Is it worth getting a dining credit card in UAE?
Yes, if you frequently dine out or order food, you can save AED 200 to AED 400 per month using the best dining credit cards in UAE.