Top 10 Best Cashback Credit Cards In Dubai – Maximize Your Savings!

Finding ways to get rewarded for your everyday spending in Dubai? You are at the right place. We have handpicked the top 10 best Cashback Credit Cards in Dubai, offering generous cashback rewards and a host of other benefits.

Cashback credit cards are an excellent way to maximize your shopping in Dubai without putting too much strain on your pocket. These cards offer you cashback every time you make a purchase allowing you to get the most out of your shopping experience and save money simultaneously. Thankfully, there’s no shortage of vendors providing cashback credit cards in Dubai. Whether you are looking for premium travel perks or flexible redemption options, there’s a cashback credit card that’s perfect for you.

We have compiled a list of top cashback credit cards in Dubai, taking into account their rewards, benefits, and fees. So, pick the one that suits your needs and save big on your spending.

Importance of having a credit card in Dubai

Dubai is a shopper’s paradise, and credit cards can be the ultimate shopping sidekick in Dubai. With the proper credit card, you can fully enjoy Dubai’s shopping scene while also benefiting from exclusive discounts and extra perks.

A credit card in Dubai provides up a world of chances for large savings and exceptional shopping experiences, from enticing discounts at stores to special offers on flights and hotels. It also saves you the trouble of bringing cash or converting it to local currency.

A credit card, by the way, is one of the most popular, easy, and secure ways of payment in Dubai. Having a credit card in Dubai is therefore a good idea.

Top 10 Best Cashback Credit Cards in Dubai

Now that you are aware of how beneficial a credit card can be, let’s explore some of the best cashback credit cards in Dubai with the most attractive cashback offers If you’re looking for a way to save on your daily expenses in Dubai, consider using one of the top 10 best cashback credit cards available in the city.

1. Citi Cash Back Credit Card

Citi is a trusted name in the financial arena and a vendor that offers one of the most lucrative cashback offers on its credit cards. That’s the reason it is at the top spot on our list. The Citi cashback credit card has everything from a lucrative cashback offer to additional complementary benefits.

Benefits

• AED 200 joining bonus for new users.
• Up to 3% cashback on non-AED Spend.
• Up to 2% cash back on grocery spending.
• Up to 1% cash back on all other spending.
• No monthly limits on cashback and no minimum spend.
• Also, enable access to over 1000 exclusive Airport lounges.

Annual fees and interest rates

No annual fee for the first year. For the second year, there is no annual fee if you reach a minimum spend of AED 9,000.

Eligibility criteria

• Minimum salary of AED 8000.
• Users should be over 21 years of age.
• Up to 3.25% monthly retail interest rate.

2. Standard Chartered SimplyCash Plus Credit Card

Next on our list is the Standard Chartered SimplyCash Plus Credit card. Apart from the usual cashback, the card also provides additional benefits such as a balance transfer facility with 0% interest for up to 12 months, extended warranty coverage on select purchases, and a range of lifestyle benefits.

Benefits

• AED 500 cashback on the online application.
• Up to 1% cashback on all domestic spending.
• 2% cashback on international spending.
• Free access to over 1000 airport lounges.

Annual fees and interest rates

There is no annual fee for the first year, and from the second year, AED 525. Besides, the annual interest rate for retail is 3.45% per month.

Eligibility criteria

• A resident of UAE over 21 years of age.
• Minimum monthly income of AED 8000.

3. ADCB TouchPoints Platinum Credit Card

Moving further, we have the ADCB TouchPoints Platinum Credit Card. It’s particularly lucrative if you want something that offers big cashback on food and beverage purchases. On top of that, cardholders can also benefit from free movie tickets, complimentary access to Yas Waterworld Warner Bros, Ferrari World, and discounts on airfare and hotels with Mastercard and Cleartrip.

Benefits

• Cashback up to AED 2,000.
• One touchpoint for every AED Spend.
• Exclusive access to the airport lounge
• Discount on Movie Tickets.
• Exclusive dining discounts and golf benefits.
• 5000+ travel discounts.
• Insurance coverage of up to AED 200,000.
• Interest-free period of up to 55 days.

Annual fees and interest rates

• Free for the first year and AED 630 from the second year onwards.
• 3.25% Monthly charges on retail purchases.
• AED 241.50 if payment is late.

Eligibility criteria

• UAE national of 21 years of age.
• A minimum Salary of AED 15,000 is needed.

4. Emirates NBD Cashback Credit Card

If you want to avail yourself of huge cashback offers, pick the Emirates NBD cashback credit card. You can receive up to AED 2000 as cashback plus 10% cashback across five spend categories.

Benefits

• AED 300 as a welcome bonus.
• Up to AED 400 as amazon.ae gift card.
• Up to 15% cash back on the purchase of AED 7000.

Annual fees and interest rates

• Annual fees range from AED 50 to AED 1500, depending upon the card.
• An interest rate of up to 1.49%

Eligibility criteria

• Salary From AED 5000 to AED 30,000, depending upon the card.

5. HSBC Cashback Credit Card

HSBC is another trusted card vendor in Dubai with amazing cashback offers and perks. In addition to cashback that can go up to 5%, cardholders also receive fee waivers on the minimum spend of AED 3,000 per year.

Benefits

• AED 500 cashback on the initial spend of AED 8,000 within 60 days.
• Cashbacks are credited automatically.
• Up to 12 complimentary visits at over 1000 airport lounges are allowed in a year.
• Travel insurance cover.
• Round the day Concierge Service.

Annual fees and interest rates

• No annual fee in the first year.
• Annual fee of AED 299.
• Second-year fee waiver on the spend of a minimum of AED 3000.
• Fixed APR of 44.28% on outstanding purchases.

Eligibility criteria

• Minimum monthly earnings of AED10,000.
• The age limit is between 21 to 65 years.

6. Dubai First Cashback Credit Cards

Choose the Dubai First Cashback card if you love luxury and believe in extravagant displays. With this, you receive complimentary access to luxury shopping, dining, and lifestyle experiences.

Benefits

• Up to 5% cashback on utility payments and 1% on local purchases.
• Unlimited complimentary lounge access.
• Countless buy-1-get-1 offers
• 10% off on hotel booking.
• Up to 15 percent off on car rentals.
• Around 30% waiver on travel booking with the clear trip.

Annual fees and interest rates

• The interest rate comes to around 1.5% per month
• Yearly membership fee of AED 399

Eligibility criteria

• A minimum Salary of AED 10,000 is needed to be eligible for the card

7. Mashreq Platinum Elite Credit Card

Apply for a platinum elite card and earn salam points for every purchase made through the credit card. It’s a trustworthy vendor with a massive user base and lucrative offers on its credit card.

Benefits

• One salam point for every Dirham spent on local purchases.
• Three salam points for every Dirham spent at a diner or supermarket.
• Welcome bonus of AED 2000.
• Up to 8 free monthly visits to Fitness First.
•  Four movie tickets with 50% discounts.
• PayProtect insurance of up to 0.99%.

Annual fees and interest rates

• The annual fee on the primary card is AED 650 + 5% VAT.
• The interest rate is 3.33% p.m. for the first six months and then 3.69% per month.

Eligibility criteria

• A minimum Salary of AED 7,000 is required.

8. RAKBANK Platinum Elite Credit Card

If you want a credit card vendor native to UAE, RAKBANK Platinum Elite Credit Card is perhaps the best option. You can count exclusive discounts on electronics, holidays, dining, jewelry, travel and furnishing, a free life card, and low-interest rates among its plethora of exciting offers.

Benefits

• 2.5% cashback on international and 1.5% on domestic purchases.
• Up to 1% cashback with DashPass, the membership service from DoorDash.
• No interest for 55 days.
• Complimentary lounge access to Marhaba and CAC lounges.
• Up to 15% discount on car rentals.
• Around 36 months validity period to redeem reward points.

Annual fees and interest rates

• No annual fees for the first year.
• 3.45% on cash and retail advance transactions.

Eligibility criteria

• UAE national.
• Minimum salary of AED 20000.

9. FAB Cashback Credit Card

If you are interested in high-percentage cashback cards, take advantage of the FAB credit card. Let’s check out its benefits and fees.

Benefits

• AED 300 as a welcome bonus.
• Up to 5% cashback on supermarket, fuel, and utility spending.
• Up to 1% cashback on retail purchases.
• Credit and wallet shield facility.
• Up to 10 free airport lounge access in UAE, KSA, Egypt, Jordan, and Kuwait.

Annual fees and interest rates

• An annual fee of AED 315 applies.
• 3.50 interest rate on retail purchases and cash advances.
• 2.05% charges on international transactions.
• AED 241.50 penalty on late payment.

Eligibility criteria

• A minimum monthly salary of AED 5000 is required.

10. Emirates Islamic Cashback Plus Card

Last on our list is the Emirates Islamic Cashback Plus Card. Although it’s at the bottom spot, it’s no less lucrative than others on the list. In addition to cashback and rewards, the card also includes a built-in RTA NOL chip for easy access to the Dubai Metro. Let’s explore its benefits and fees.

Benefits

• Up to 10% cashback from supermarket purchases.
• Likewise, 10% cashback on local telecom bills.
• Trip insurance for up to 90 days.
• Unlimited lounge access worldwide.
• Two weekly Golf course access.
• Extended warranty and purchase protection.

Annual fees and interest rates

• Cardholders have to pay AED 313.95 as a yearly fee.
• The monthly profit rate of 3.49%.

Eligibility criteria

• Minimum salary requirement of AED 5000

Importance of choosing the right cashback credit card

Do you know that the best cashback credit cards in Dubai offer not only convenient spending options but also a great way to earn rewards on everyday purchases?

Cashback Credit cards are like a cherry on top of your spending sundae – but only when you pick the right one. Here’s why it’s essential to choose the right cashback credit card;

Sweet Rewards

First thing first, the right card gives you generous cashback. Therefore you get meaningful rewards on your spending. It helps you offset your spending and save big over time.

Lower Fees

When you pick the right card, it offers you more than just ample rewards and charges you less in terms of annual fees. With the right card, you can avoid high annual fees and interest rates that negate your rewards.

More Bang for Your Bucks

You are in for cashback credit cards for rewards; therefore, it’s prudent to choose the one that offers you the most. A good card offers additional goodies like travel insurance, exclusive discount, and extended warranties.

Opportunity to boost Credit Score

When you have lower annual fees or APR, you are able to clear your credit card dues on time. This, in turn, boosts your credit score and projects you as a responsible person. With a good credit score, you can avail of other banking and loan-related schemes without any hurdles.

All-in-all, a good cashback credit card helps you save money, score valuable benefits and boost your financial status.

Final Thoughts & Recommendations for Cardholders

Finally, the ideal cashback credit card for you will be determined by your individual preferences, shopping patterns, and spending limitations. With so many alternatives available, it can be difficult to choose; that is why it is critical to examine the rewards and perks each card provides and make an informed decision.

If you are looking for a top recommendation in this article for the best Cashback Credit Cards In Dubai, the Standard Chartered SimplyCash Plus Credit Card is a good option.

It provides a significant payback percentage, various redemption choices, and a variety of other benefits. So, why settle for a standard credit card in Dubai when you can get one that gives you cashback? Get a Cashback Credit Card in Dubai today and start saving money.

Frequently Asked Questions