In This Article
Cashback credit cards are a great way to save money on everyday purchases while enjoying additional benefits such as airport lounge access, travel insurance, and discounts. In this blog, we will explore the top 5 cashback credit cards in the UAE, helping you choose the best option that suits your financial needs.
Introduction to Cashback Credit Cards
Cashback credit cards allow you to earn a percentage of your spending back as a reward. Instead of points or miles, you receive actual cash savings that can be redeemed against your outstanding balance or used for future purchases.
Why Choose a Cashback Credit Card?
- Direct savings: Get cash rebates on your everyday expenses.
- No restrictions: Unlike reward points, cashback is straightforward and easy to use.
- Flexible redemption: Apply cashback towards your card balance, bills, or shopping.
Benefits of Using Cashback Credit Cards
- Increased Savings: Earn cashback on groceries, fuel, dining, travel, and online shopping.
- Zero or Low Annual Fees: Some cards come with no annual fee, making them a cost-effective choice.
- Exclusive Discounts & Perks: Enjoy travel benefits, shopping deals, and free airport lounge access.
- Budgeting and Expense Management: Cashback credits help offset monthly expenses.
- Welcome Bonuses & Promotions: Many banks offer AED 500+ in welcome bonuses or cashback on the first few purchases.
Top 5 Best Cashback Credit Cards in UAE
1. Mashreq Cashback Credit Card
- Cashback Rate: Up to 5%
- Annual Fee: AED 0
- Interest Rate: 3.85% per month
- Additional Benefits: AED 500 welcome bonus, no minimum spend requirement, fuel savings
Why Choose This Card?
The Mashreq Cashback Credit Card is an excellent choice for those who want high cashback rates with zero annual fees. It provides instant cashback rewards on groceries, fuel, and dining without hidden conditions.
2. Emirates Islamic Cashback Plus Credit Card
- Cashback Rate: Up to 10%
- Annual Fee: AED 299
- Interest Rate: 3.69% per month
- Additional Benefits: Free access to airport lounges, golf rounds, and fuel savings
Why Choose This Card?
This card is perfect for frequent travelers and those who want higher cashback rates on shopping and dining. The free airport lounge access and golf rounds make it a premium option.
3. FAB Cashback Islamic Credit Card
- Cashback Rate: Up to 5%
- Annual Fee: AED 300
- Interest Rate: Up to 3% per month
- Additional Benefits: Free airport lounge access, dining discounts
Why Choose This Card?
This is a great choice for those looking for Sharia-compliant banking with strong cashback offers. It provides steady cashback rates without complex redemption processes.
4. CBD Al Islami Premium Saver Credit Card
- Cashback Rate: Up to 10%
- Annual Fee: AED 400 (first year free)
- Interest Rate: Up to 3.85% per month
- Additional Benefits: Cinema discounts, travel insurance, fuel savings
Why Choose This Card?
If you spend a lot on entertainment, travel, and shopping, this card provides high cashback returns and extra perks like free travel insurance.
5. RAKBANK Titanium Credit Card
- Cashback Rate: Up to 5%
- Annual Fee: AED 0
- Interest Rate: Varies
- Additional Benefits: Hotel discounts, car rental savings
Why Choose This Card?
This zero-annual-fee card is perfect for those who want consistent cashback on everyday expenses while enjoying discounts on hotels and car rentals.
Detailed Comparison of the Best Cashback Credit Cards in UAE (2025)
| Credit Card Name | Maximum Cashback | Yearly Fee | Monthly Interest | Extra Perks |
|---|---|---|---|---|
| Mashreq Cashback Credit Card | Up to 5% | AED 0 | 3.85% | AED 500 sign-up bonus, fuel savings |
| Emirates Islamic Cashback Plus Credit Card | Up to 10% | AED 299 | 3.69% | Airport lounge access, free golf rounds |
| FAB Cashback Islamic Credit Card | Up to 5% | AED 300 | Up to 3% | Complimentary airport lounge access, dining benefits |
| CBD Al Islami Super Saver Credit Card | Up to 10% | AED 400 (1st year free) | Up to 3.85% | Cinema discounts, travel coverage |
| RAKBANK Titanium Credit Card | Up to 5% | AED 0 | Variable | Special hotel rates, car rental perks |
Tips for Maximizing Cashback Rewards
- Choose the Right Card: Select a card that offers the highest cashback on your most frequent expenses.
- Meet Minimum Spend Requirements: Some cards require a minimum spend to unlock cashback rewards.
- Pay Off the Balance Monthly: Avoid interest charges by paying off the full statement balance each month.
- Use Your Card for Major Purchases: Maximize cashback earnings on big-ticket items like electronics and travel.
- Utilize Additional Benefits: Take advantage of free airport lounge access, travel insurance, and discounts.
Common Mistakes to Avoid with Cashback Credit Cards
- Not Reading the Terms: Some cashback categories have limits or exclusions.
- Overspending for Rewards: Donβt buy unnecessary items just for cashback.
- Ignoring Fees: Check annual fees and foreign transaction fees.
- Missing Payments: Late payments cancel cashback rewards and increase debt.
FAQs
Q: Which cashback credit card is the best for frequent travelers? A: The Emirates Islamic Cashback Plus Credit Card is ideal due to its airport lounge access and high cashback on travel expenses.
Q: Can I have multiple cashback credit cards? A: Yes! Many people use multiple cards to maximize cashback in different spending categories.
Q: Do cashback credit cards have hidden fees? A: Some cards charge annual fees, foreign transaction fees, or balance transfer fees. Always check the terms.
Final Opinion
If you want maximum savings on daily expenses, choosing the right cashback credit card can be a game-changer. Each of the top 5 cards listed above has its unique perks, so pick one based on your spending habits and financial goals.
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Important Pages
Before applying for any of the cashback credit cards mentioned in this blog, we recommend that you review the relevant Terms and Conditions, Privacy Policy, and other important information. These pages provide detailed insights into the rules, fees, and eligibility criteria for each credit card.
Itβs crucial to understand the terms of service and policies associated with credit cards to make informed decisions and avoid any unexpected charges.
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