Perkly Card Index · August 2026 · Cashback

Best cashback credit cards in the UAE: August 2026

The 8 cashback cards Perkly users applied for, clicked and read about most in August, and the conditions that decide what each one really pays.

By the Perkly research team · Published 19 September 2026 · Updated 25 September 2026 · Covers August 2026 · Card details checked 19 September 2026

Based on Perkly data for August 2026: more than 500 card searches, and the card pages, Apply clicks and applications that followed, on perkly.ae between 1 and 31 August 2026. Card fees, rates and offers on this page update live from Perkly’s card database.

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Cashback is what most people come to Perkly for: in August, 3 in every 5 searches were for a cashback card. These are the 8 cashback cards those visitors chose most, ordered by how far visitors went with each: applications count most, then application starts, Apply clicks and page visits, all added up (the method at the end gives the weights).

The headline percentage is the least useful number on a cashback card. What matters is where the rate applies, how much of it you can earn before the cap, and whether you spend enough to unlock it. Each card below says so plainly.

Apply for the top picks

#1Emirates NBD noon One Visa Credit CardNo annual fee · salary from AED 5,000
#3Emirates NBD Duo Credit CardAED 840 a year · salary from AED 12,000
#4CBD One Credit CardNo annual fee · salary from AED 5,000

How this list is made. The order comes from Perkly’s own data and nothing else. No bank pays to appear here, and no placement on this page can be bought. If you apply through Perkly and a bank issues your card, Perkly may earn a referral fee, which never changes the order or the figures you see.

Most Apply clicks

Emirates NBD noon One Visa Credit Card

Cashback

Annual fee

Free

Min. salary

AED 5,000

Rewards in

noon Credits

Top rate

20% dining & food (partner only)

Top rates apply only within the noon ecosystem: 20% on noon Food, 10% on NowNow grocery, 5% on noon, noon Minutes, Namshi and supermall. Most other spend earns 1%, but supermarkets, fast food, telecom, utilities, government, education and real estate paid outside noon earn 0.30%. noon Credits can only be spent on noon.

No annual fee, and noon Credits worth AED 1 each: 20% back on noon Food, 10% on NowNow groceries and 5% on noon, Namshi and supermall, up to AED 2,000 a month. Most other spend earns 1%, but supermarkets, fast food, bills and telecom paid outside noon earn 0.3%, and noon Credits can only be spent on noon.

Best for: Regular noon, noon Food and NowNow customers.

Earn 20% back on noon Food, 10% on NowNow, 5% on noon, Namshi and supermall, 1% elsewhere (capped at AED 2,000/month)
Free noon One membership for year one, then 50% off annually
Buy 1 Get 1 on up to 3 Reel Cinemas tickets a month (min AED 3,500 spend)

Current welcome offer: Earn AED 500 cashback as a welcome bonus

Apply clicks:: #1 of all cards
Page visits:: Joint #2

Full card details →

Mawarid Finance Platinum Credit Card

Not available through Perkly at the moment. It earned this place in the month this article covers, so it stays on the list, but you cannot apply for it here at present.

Emirates NBD Duo Credit Card

Cashback · Abu Dhabi residents only

Annual fee

AED 840

Min. salary

AED 12,000

Rewards in

Plus Points

Top rate

5% retail

5% in Plus Points on groceries, electronics, utilities, education and fuel in months you spend at least AED 5,000, and 1.5% if you don't; 0.5% on everything else, with rewards capped at 500 Plus Points a statement. Plus Points are worth AED 0.75 each as a credit to your bill (AED 1 in store). It costs AED 840 a year plus an AED 840 joining fee and needs a salary of AED 12,000; Emirates NBD offers it only to Abu Dhabi residents ("Exclusive for Abu Dhabi residents"), with the annual fee currently waived.

Best for: Households putting school fees and utility bills on a card.

Earn 5% Plus Points on groceries, electronics, utilities, education and fuel (min. AED 5,000/month spend; 1.5% if not met), 0.5% on other spend
Complimentary airport lounge access: 25+ lounges via Mastercard, 1,900+ lounges via Diners Club
BOGO cinema at Cine Royal (up to 3 free tickets/month) and complimentary access to 6 UAE golf courses

Current welcome offer: No annual fees for Abu Dhabi residents, limited-time offer

Apply clicks:: Joint #2
Applications:: Joint #3

Full card details →

CBD One Credit Card

Cashback

Annual fee

Free

Min. salary

AED 5,000

Rewards in

Cashback

Top rate

100% travel (partner only)

Cashback is 100% of your spend at the selected-merchant list (subscriptions, food delivery, cinemas, ride-hailing, travel and more), capped at a combined AED 135 per month and requiring AED 5,000 minimum monthly spend. All spend outside the selected merchants earns nothing.

100% cashback on spend at a list of selected merchants, including noon, Amazon, Uber, Zomato, Netflix and Starbucks, up to a combined AED 135 a month, in any month you spend at least AED 5,000 on the card. Everything else earns nothing. No annual fee.

Best for: People who already spend AED 5,000 a month and use the listed apps.

Up to AED 135/month cashback at noon, Amazon, Uber, Zomato, Netflix, Starbucks and more
No annual fee, but AED 5,000 monthly spend required to unlock the cashback
8 airport lounge visits a year (1,000+ lounges) via Visa Airport Companion, plus USD 500,000 travel insurance

Current welcome offer: 0% interest on Cash on Call and Balance Transfer plans for new customers

Expected offer expiry: December 2026

Applications:: Joint #3

Full card details →

Mawarid Finance World Elite Credit Card

Not available through Perkly at the moment. It earned this place in the month this article covers, so it stays on the list, but you cannot apply for it here at present.

FAB Cashback Credit Card

Cashback

Annual fee

AED 315

Min. salary

AED 5,000

Rewards in

FAB Rewards

Top rate

5% supermarket

5% on supermarkets, clothing stores and dining (each capped at AED 150 a month), 3% on international spend and 1% on most other spend, once you spent AED 3,000 the month before. AED 315 a year, with 8 lounge visits.

Best for: Shoppers who spread spend across groceries, clothes and restaurants.

Earn 5% cashback on supermarkets, clothing and dining (AED, cap AED 150 each/month), 3% on foreign spend
8 airport lounge visits a year for cardholder, 6 for a guest, plus 1 free airport transfer
4 cinema tickets a month at AED 20 (Reel, Cine Royal, Star Cinemas) and AED 40 off Carrefour online monthly

Applications:: Joint #3

Full card details →

NBF Islamic Platinum Credit Card

Cashback · Islamic

Annual fee

Free

Min. salary

AED 9,000

Rewards in

Cashback

Top rate

10% dining & food

10% cashback on dining paid directly to restaurants, cafes and fast-food outlets, capped at AED 150 a billing cycle, on transactions of AED 25 or more. Delivery-app orders do not count. Free for life.

Best for: People who eat out often and want a simple dining reward.

10% cashback on dining (capped at AED 150 per billing cycle, min AED 25 per transaction)
NBF Rewards points redeemable for gift cards, Etihad Guest Miles or instant cashback
Shariah-compliant Murabaha structure with 2 free supplementary cards included

Apply clicks:: #4 of all cards

Full card details →

Emirates Islamic Barça Cashback Card

Cashback · Islamic

Annual fee

Free

Min. salary

AED 5,000

Rewards in

Cashback

Top rate

4% supermarket (partner only)

4% categories (Supermarket/Dining/Fuel/Sports) are each capped at AED 100/month; only UAE merchants qualify for the 4% Supermarket and Fuel rates, which EI tags as UAE. A minimum spend of AED 1,000 a month is required to earn any cashback.

4% on supermarkets, dining, fuel and sports, each capped at AED 100 a month, 2% on international spend and 1% on general domestic spend, in any month you spend at least AED 1,000. Free for life, with FC Barcelona prize draws for match tickets and club experiences.

Best for: Lower and mid spenders who want a free card with a solid everyday rate.

4% cashback on supermarkets, dining, fuel and sports (capped at AED 100/month each)
Up to 2% cashback on international spend; up to 1% on other domestic spend
FC Barcelona prize draws: match tickets, signed jerseys and club experiences

Page visits:: Joint #4

Full card details →

Side by side

Live figures from Perkly’s card database. Earn rates are the value you get back per AED spent, after converting miles or points to dirhams.

Card	Annual fee	Min. salary	Top rate	Welcome offer
#1Emirates NBD noon One Visa Credit Card	Free	AED 5,000	20%*	Yes
#3Emirates NBD Duo Credit Card	AED 840	AED 12,000	5%	Yes
#4CBD One Credit Card	Free	AED 5,000	100%*	Yes
#6FAB Cashback Credit Card	AED 315	AED 5,000	5%	None right now
#7NBF Islamic Platinum Credit Card	Free	AED 9,000	10%	None right now
#8Emirates Islamic Barça Cashback Card	Free	AED 5,000	4%*	None right now

* Applies only at the card’s partner merchants or airline; other spend earns less. A number missing from the list is a card that cannot be applied for through Perkly at the moment.

How to choose a cashback card

Start with where your money goes. If most of it is groceries, dining and fuel at ordinary shops, a card like the Mawarid Platinum that pays on the whole category will beat a partner card. If you live inside one app, a partner card like noon One can pay far more, but only there.

Then check three numbers:

The cap. A 10% rate capped at AED 250 a month stops paying at AED 2,500 of spend in that category.
The minimum spend. Several cards pay little or nothing below a monthly threshold.
The fee against the cashback. An AED 840 fee needs AED 70 a month of cashback just to break even, before any joining fee.

The Perkly wizard ranks every cashback card Perkly tracks on your own spending, after fees and caps, and flags partner-only rates and minimum-spend conditions beside each card.

How we built this list

This list is built from what people did on Perkly between 1 and 31 August 2026, not from what banks advertise and not from payments: no bank can pay to appear here or to move up. We count four things per card, and each visit counts once, at the furthest point it reached: an application submitted through Perkly, an application started, a click on Apply now, and a visit to the card's page. Each is weighted by how far it went: an application counts 10, a started application 5, a click on Apply now 3 and a page visit 1, and the list is ordered by the total. So a card many people explored closely can sit above one with a single application, and the signal shown beside each card is its strongest one, not the whole picture.

The data covers more than 500 card searches in August. Our own testing is excluded, and visitors who opted out of analytics are not counted. At this scale a single application can move a card several places, so read the order as "what people gravitated to", not as a precise league table. We publish ranks rather than raw counts for the same reason.

Card details in the text were checked on 19 September 2026 against Perkly's card data, which was reviewed against each bank's own documents between 15 and 19 September 2026. The fees, earn rates and welcome offers shown in each card panel are live from Perkly's card database, so they stay current after this article was written. Always confirm the final terms with the bank before you apply.

Frequently asked questions

What is the best cashback credit card in the UAE?

It depends on where you spend. In August 2026 the most popular cashback cards on Perkly were noon One (best for noon shoppers) and the Mawarid Finance Platinum (10% on groceries, dining and fuel, capped), though Mawarid's cards are not available through Perkly at the moment. The Perkly wizard ranks every cashback card for your own spending.

Which cashback credit cards have no annual fee?

Of the cards on this list, noon One, Mawarid Platinum, CBD One, NBF Islamic Platinum and Emirates Islamic's Barça Cashback card have no annual fee. See our list of the best no annual fee credit cards for more.

Do cashback credit cards have limits?

Almost all do. Most cap cashback per category or per month, and several only pay in months you reach a minimum spend. The card panels above show each card's caps from Perkly's live data.

How often is this list updated?

Every month. Each edition of the Perkly Card Index covers one calendar month of activity on Perkly and is published early the following month. Card details on every page update automatically from Perkly's card database.

Is one of these your best card?

Popular is not the same as right for you. Tell Perkly your salary and how you spend and it ranks every card in the UAE for you, or talk your options through with Perkly Chat.

Find your best card in 2 minutes →Ask Perkly Chat