CashbackIslamic
Al Hilal Bank
Cashback Credit Card (5% tier, Groceries + Education)
The Cashback Credit Card (5% tier, Groceries + 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 8,000
Card highlights
- Earn 5% cashback on Groceries and Education (above AED 8,000 monthly spend), 1% on other retail
- Cashback capped at AED 250 per selected category and AED 500 per statement cycle, no annual fee
- 4 complimentary airport lounge visits or dining offers a year via Mastercard Travel Pass (25+ lounges)
- Buy 1 get 1 free on dining, premium spas and leisure activities via Mastercard
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Supermarket | 5% | AED 250 |
| Education | 5% | AED 250 |
| Travel | 1% | No cap |
| Retail | 1% | No cap |
| Dining & food | 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 enrolment in Mastercard Travel Pass
- •Buy-one-get-one-free on dining, premium spas and leisure activities (via Mastercard)
- •Up to 3 supplementary cards at no charge (AED 105 each from the 4th onwards)
- •No annual fee
About this card
- •5% cashback on groceries and education spending (your 2 chosen categories this month)
- •Monthly cashback cap for the 5% categories: AED 250
- •All other spending earns 1% cashback
- •Overall cashback cap across the whole card: AED 500 per statement cycle
Every card is checked against official bank sources. Last updated September 2026.
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