The Ultimate Guide to Best Cashback Credit Cards UAE (2025)

Are you ready to turn your everyday spending into real savings? In 2025, the UAE offers a wide range of best cashback credit cards UAE designed to reward you for your purchases. Whether you're dining out, shopping online, or paying bills, these cards can help you save big.

This guide will walk you through the top cashback credit cards available in the UAE, their features, eligibility criteria, and how to choose the best one for your needs.

Why Choose a Cashback Credit Card?

Cashback credit cards are a smart financial tool for anyone looking to maximize their savings. Here’s why:

Direct Savings : Earn real money back on your purchases.
No Strings Attached : Unlike points or miles, cashback is straightforward and easy to use.
Flexibility : Use your cashback however you want—pay off balances, save for future expenses, or treat yourself.

Top 10 Best Cashback Credit Cards UAE (2025)

Here’s a detailed comparison of the best cashback credit cards available in the UAE this year:

1. Mashreq Cashback Credit Card

The Everyday Hero: Your Passport to Hassle-Free Rewards

Unique Benefit : This card offers unlimited cashback with no annual fee, making it perfect for those who want rewards without added costs.
Cashback Rates : Up to 5% on international and local dining spends, 2% on other international transactions, and up to 1% on local spending.
Annual Fee : AED 0
Additional Benefits : AED 500 welcome bonus for new users, unlimited airport lounge access, and dining discounts via the Dine & Fly app.
Eligibility : Minimum monthly income of AED 5,000.

2. Emirates Islamic Cashback Plus Credit Card

The Luxury Lifestyle Companion: Reward Yourself in Style

Unique Benefit : Unlike other cards, this one offers up to 10% cashback on groceries, dining, education, and telecom expenses, plus unlimited complimentary access to over 1,000 airport lounges globally.
Cashback Rates : Up to 10% on groceries, dining, education, and telecom expenses.
Annual Fee : AED 299
Additional Benefits : Unlimited complimentary access to over 1,000 airport lounges globally, two free golf rounds per month, and cinema discounts.
Eligibility : No specific income requirement mentioned.

3. FAB Cashback Islamic Credit Card

The Fashionista's Favorite: Shop, Dine, and Save

Unique Benefit : This card stands out by offering 5% cashback on fashion shopping, dining out, and groceries, making it ideal for frequent shoppers.
Cashback Rates : Earn 5% cashback on fashion shopping, dining out, and groceries. Additionally, get 3% cashback on international spends and 1% cashback on all other spending.
Annual Fee : AED 300
Additional Benefits : Free global airport lounge access, Careem ride discounts, and hotel booking offers.
Eligibility : Minimum monthly income of AED 5,000.

4. CBD Al Islami Super Saver Credit Card

The Family-Friendly Card: Save on Everyday Expenses

Unique Benefit : This card offers up to 10% cashback on bills, school fees, fuel, and supermarket payments, making it perfect for families.
Cashback Rates : Up to 10% on bills, school fees, fuel, and supermarket payments.
Annual Fee : Free for the first year, AED 400 subsequently.
Additional Benefits : 50% off cinema tickets, multi-trip travel insurance, and purchase protection.
Eligibility : Minimum monthly income of AED 5,000.

5. RAKBANK Titanium Credit Card

The Social Butterfly's Choice: Dine, Entertain, and Enjoy

Unique Benefit : This card offers up to 5% cashback on dining and supermarkets and 50% cashback on entertainment spends, making it ideal for social butterflies.
Cashback Rates : Up to 5% on dining and supermarkets and 50% cashback on entertainment spends.
Annual Fee : AED 0
Additional Benefits : Exclusive hotel discounts, great car rental savings, and global airport lounge access.
Eligibility : Minimum monthly income of AED 8,000.

6. HSBC Live+ Credit Card

The All-Rounder: Rewarding Every Aspect of Your Life

Unique Benefit : This card offers up to 6% cashback on dining, 5% on fuel, and 2% on groceries, education, and entertainment, making it versatile for various spending categories.
Cashback Rates : 6% on dining, 5% on fuel, 2% on groceries, education, and entertainment, 0.5% on other spends.
Annual Fee : AED 299
Additional Benefits : Travel rewards, cinema discounts, and complimentary Marhaba Meet & Greet services.
Eligibility : Minimum monthly income of AED 5,000.

7. Dubai Islamic Bank Consumer Cashback Platinum Credit Card

The Practical Spender's Ally: Save on Groceries and More

Unique Benefit : This card offers up to 4% cashback on supermarket, car servicing, phone bills, fuel spends, utility bills, and school fees, making it practical for everyday expenses.
Cashback Rates : Up to 4% on supermarket, car servicing, phone bills, fuel spends, utility bills, and school fees.
Annual Fee : AED 199
Additional Benefits : Travel and medical coverage, complimentary roadside assistance.
Eligibility : No specific income requirement mentioned.

8. Standard Chartered Simply Cash Credit Card

The Globetrotter's Partner: Reward Your International Adventures

Unique Benefit : This card offers 2% cashback on international spends and 1% on domestic spends, making it ideal for travelers.
Cashback Rates : 2% on international spends, 1% on domestic spends.
Annual Fee : First year free, then AED 525 (waived with minimum yearly spend of AED 9,000).
Additional Benefits : Complimentary airport lounge access, 20% off Careem rides.
Eligibility : Minimum monthly income of AED 8,000.

9. ADCB TouchPoints Platinum Credit Card

The Points Collector's Dream: Redeem for Miles and More

Unique Benefit : This card lets you earn points that can be redeemed for airline miles, shopping vouchers, and bill payments, providing flexibility in rewards.
Cashback Rates : 1 TouchPoint per AED spent on retail transactions and 0.4 TouchPoints per AED spent on domestic spending at supermarkets, auto dealers, insurance, and quick service restaurants.
Annual Fee : AED 600 (first year free).
Additional Benefits : Buy one get one free at VOX Cinemas, 20% off Talabat orders, and bonus TouchPoints for spends of AED 10,000.
Eligibility : Minimum monthly income of AED 8,000.

10. Commercial Bank International Rewards Platinum Mastercard

The Movie Buff's Delight: Get Your Tickets for Free

Unique Benefit : This card offers 100% cashback on 4 cinema tickets monthly and up to AED 150 in movie cashback based on your monthly food, ticket, and beverage spend at the cinema.
Cashback Rates : 100% cashback on 4 cinema tickets monthly.
Annual Fee : AED 0
Additional Benefits : Airport lounge access, free movie tickets at any UAE cinema, free supplementary cards for family members.
Eligibility : Minimum monthly income of AED 15,000.

How to Choose the Best Cashback Credit Card for You

Choosing the right cashback card depends on your spending habits and financial goals. Consider the following factors:

Cashback Rates and Spending Categories : Look for cards that offer high cashback rates in categories that match your spending habits.
Annual Fees and Interest Rates : Compare the annual fees and interest rates of different cards. Balance these costs to find the most cost-effective option.
Redemption Options and Limits : Check the redemption options and limits for cashback rewards. Ensure these terms align with your preferences to maximize your rewards.
Additional Perks : Consider benefits like airport lounge access, travel insurance, and entertainment discounts.

Tips for Maximizing Your Cashback Rewards

To make the most of your best cashback credit cards in Dubai , follow these tips:

Spend Strategically : Focus on categories where you earn the highest cashback rates.
Pay Off Balances : Avoid interest charges by paying off your balance in full each month.
Track Your Rewards : Regularly monitor your cashback earnings to ensure you're maximizing your benefits.
Leverage Promotions : Take advantage of special offers and promotions to boost your rewards.

FAQs About Cashback Credit Cards in the UAE

Q. Is cashback worth it?

A: Yes, cashback credit cards can be highly rewarding if you use them responsibly. They provide direct monetary benefits that can significantly reduce your expenses.

Q. Can I withdraw cashback as cash?

A: No, cashback earned on credit cards cannot be withdrawn as cash. It is typically credited to your account to offset your outstanding balance.

Q. Which card offers the most Cashback?

A: The Emirates Islamic Cashback Plus Credit Card offers up to 10% cashback on groceries, dining, education, and telecom expenses, making it one of the best options for maximizing rewards.

Q. Are there any downsides to using a Cashback card?

A: While cashback rewards are valuable, some cards may have caps on earnings or higher interest rates. Always review the terms and conditions carefully.

By choosing the best cashback credit cards UAE , you can turn your everyday spending into valuable rewards.

Whether you're a frequent traveler, a shopaholic, or just someone who loves a good deal, there's a card that suits your lifestyle. Use this guide to find the perfect match and start earning cashback today!