Best cashback credit cards in the UAE: September 2026

A flat 3% cashback on spending at home and abroad, up to AED 12,000 of cashback a year, with no categories to track and no monthly minimum. It is free in the first year, then costs AED 500 plus VAT (AED 525) a year, and needs a salary of AED 5,000.

Invest Bank does not publish which spending is excluded from cashback, so Perkly counts bills, rent and school fees at 0% until the bank confirms. Foreign currency spending also earns 3%, but costs about 4.3% in fees (Invest Bank's 3% plus VAT, and Mastercard's charge of about 1.15%), so spending abroad on this card costs you about 1.3% more than it pays back.

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, including dining, travel and online, 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, on nol top-ups, school fees and donations).

The published fees are AED 840 a year and an AED 840 joining fee, and it needs a salary of AED 12,000. Emirates NBD offers it only to Abu Dhabi residents, with a current offer of no annual fee.

A flat 2% cashback on eligible retail spending, online or in store and including foreign currency, up to AED 500 a billing cycle, with no minimum spend. Utility, telecom and government payments earn nothing. It is free in the first year; from the second year the AED 313.95 fee (including VAT) is waived if you spend AED 30,000 in the year. A Shariah-compliant covered card, applied for in the ruya app, which needs an active ruya account.

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. Those rates apply only inside the noon ecosystem. 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.

2% cashback on most purchases and 0.5% on fuel, transport, telecom, government, real estate and utility payments, capped at AED 2,500 a month (a cap shared with cashback on your Wio account card). Cashback needs Wio's Salary, Family or Plus plan: the free Standard plan earns none, the Salary plan is free with a salary transfer of at least AED 15,000 (AED 5,000 at Wio partner companies), and Plus costs AED 49 a month unless you keep AED 35,000 with Wio. No annual fee; the credit line needs a salary of AED 7,000.

4% on supermarkets, dining, fuel and sports, each capped at AED 100 a month (only UAE merchants count for supermarkets and fuel), up to 2% on international spend and up to 1% on other domestic spend, in any month you spend at least AED 1,000. Below that it pays nothing. Free for life, with FC Barcelona prize draws for match tickets and club experiences.