CashbackIslamic
Al Hilal Bank
Cashback Credit Card (3% tier, Dining + Education)
The Cashback Credit Card (3% tier, Dining + Education) is a cashback credit card from Al Hilal Bank. It has no annual fee, and needs a minimum salary of AED 5,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Min. monthly spend
AED 3,000
Card highlights
- 3% cashback on Dining and Education when monthly spend is AED 3,000-8,000
- 1% cashback on all other retail spend; 0% on government and app-paid utility spend
- 4 complimentary airport lounge visits or dining offers a year via Mastercard Travel Pass
- No annual fee; Shariah-compliant Mastercard with customisable cashback categories
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Dining & food | 3% | AED 250 |
| Education | 3% | AED 250 |
| Travel | 1% | No cap |
| Retail | 1% | No cap |
| Supermarket | 1% | No cap |
| Fuel | 1% | No cap |
| Utilities | 1% | No cap |
| Transport | 1% | No cap |
| Online shopping | 1% | No cap |
| International spend | 1% | No cap |
| Real estate | 1% | No cap |
Rewards on this card are capped at AED 500 a month across all categories (about AED 6,000 a year).
Benefits & perks
- •4 complimentary airport lounge visits or airport dining offers per year at 25+ lounges via Mastercard Travel Pass
- •1 complimentary lounge access on app enrolment for new cardholders
- •Remaining lounge visits unlock after a cross-border purchase of at least USD 1 (valid for 3 months per qualifying purchase)
- •Buy one get one free on dining, premium spas and leisure activities
- •Up to 3 supplementary cards at no charge
- •No annual fee
About this card
- •Elevated 3% cashback on Dining and Education spend (your chosen category pair for this instance)
- •3% cashback on Dining and Education: capped at AED 250 per month per category
- •All other spend earns 1% cashback, drawing from the same overall cap
- •Total cashback across the card: capped at AED 500 per statement cycle
- •Foreign spend earns the 1% base rate on this card instance
Every card is checked against official bank sources. Last updated September 2026.
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