Top 11 Best Cash Back Credit Card in UAE

In recent times, credit colds have turned into parents that harness using credit cards in a prudent fashion coupled with modern technology in the business world. Among all of these, the most common are rewards called cash-back. With each passing season, many features regarding cash-back credit cards are evolving in the UAE. Meaning it is becoming hard to pick the best. In this guide of UAE Mood, we have found and explained the Top 11 Best Cash Back Credit Card in UAE, each offering various unique benefits, features, and offers. Be it everyday savings, fuel savings, or travel rewards, this list has it all.

Commercial Bank of Dubai Super Saver Card

If you are a person who wants to get cash-back rewards for your everyday spending, then the Commercial Bank of Dubai Super Saver Card is for you. Whether for groceries, going out for meals, or even filling up your vehicle’s gas tank, this card helps you make significant savings.

Benefits:

• Up to 10% cash-back is offered for supermarket purchases.
• 5% for Diners and Entertainment.
• 5% at Gas stations.
• 1% on all other purchases.
• There is no cap on the earnings amounts regarding cashback; in short, unlimited cashback.
• Free travel insurance for cardholders.
• Cut & cloth purchase insurance.
• Travel & gourmet offers are provided through CBD’s dedicated partners.
• Rewarding extra cards for relatives at no cost.
• A mobile app that saves time and helps monitor bonuses and expenses.

Features:

• There is no annual fee during the first 12 months from the issue date.
• Lower than average monthly salary requirement: AED 8,000.
• Interest rate: 3.45% per month.
• Flexible terms, with at least 5% of the total payment as minimum.
• Issuance of cards will be done instantly at designated branches.
• The credit limits are responsive and depend on the applicant’s repayment ability.
• Global acceptance (possibly using cards in more than 200 countries).
• 24/7 availability of the customer service centre for card users.
• Apple Pay, Google Pay, and Samsung Pay mobile wallets are available.
• Offline transactions with secure Online Transaction Process verification through a one-time password.

Offers:

• Flat 50% discount on meals at selected outlets within the UAE.
• Access to premium airport lounges in certain international airports.
• Get cheaper travel arrangement services via the CBD-available travel portal.
• I am participating in exclusive discounts in designated shopping malls.
• There are no foreign purchase transaction fees on the international use of the card for the first 12 months after obtaining the card.

First Abu Dhabi Bank Cashback Card

Another opportunity worth trying to enhance your spending is the cashback card, Abu Dhabi’s first bank cashback. Cashback on the FAB is quick to cash back to customers in the least expenditure in many cash purchases, where most consumers will need to spend more than one dollar on wise things.

Benefits:

• Five per cent of the amount is returned from the found-fueled gas and specific other bills arising from the firing of tax services.
• And the rest, 1 percent, is available without limits on most other expenses.
• No precondition average spend is required to earn cash-back cashback. 
• Free access to domestic and international airport lounges around the globe. 
• Complimentary travel insurance that includes lost baggage, flight delays, etc. 
• Purchase protection is available on all purchases made through transactions. 
• Extended warranty on selected purchases.
• Cash discounts can be earned, and instant redemption can be availed through the FAB mobile app. Free additional cards for all family members. 
• Complete coverage of services against fraudulent action. Some of them are: Annual fee: US seeking 500 additional cardholders’ income below 5000. 
• The monthly installment would be low, at least 5% of the outstanding amount due. 
• The monthly interest per annum is 39%(3.25%).
•  It is more than a pleasant rewards program for travel, restaurants, and shopping—ability to pay with mobile wallets, such as Apple Pay and Google Pay. 
• A payment card will be issued immediately after approval.
•  The card can be used in more than 200 countries. 
• Customer Support Assists with all card queries, including opening and using the card 24X7. FAB mobile application will also be available for online banking. 

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Offers: 

• Get up to 50% off on the selected restaurants called Fine Dine Up to 50% off up to 50%—complimentary airport lounges at over 500 airports across the globe. 
• Memorable travel offers through FAB travel partners. They discounted film tickets through the FAB Rewards program. 
• Special offers on kiosks for technologized items in the electronic shops.

Emirates NBD Go4It Gold Credit Card

Before we finish with the second part of our review, we have to state the following. The Emirates NBD Go4It Gold Credit Card is superb for those who often travel and rely on public transport. What is the reason behind it? You can save significant amounts on public transport expenses, fuel, and daily purchases.

Features:

• 10% cash-back for purchases made through RTA public transportation.
• 5% cash-back on fuel purchases.
• 3% cash-back for grocery and utility bills.
• 1% for everything else.
• All members will have free access to the airport lounges.
• Free travel health insurance which covers the members of the card.
• Free purchase insurance on all the purchases made with the card, which the members fully occupy.
• Extended warranty coverage is available for some mobile devices and all appliances that have been purchased on the card.
• Discount on hotel booking and car hire

Benefits:

• Annual fee of AED 299.
• The minimum monthly salary requirement is AED 5,000.
• Interest rate of 3.45% per month.
• Cards are issued on the spot after the application is approved.
• All members can use the card in more than 200 countries.
• Payment of the balance has flexible payment options with a minimum fee of ‘5’.
• Supplements many travel offers within their exclusive network. Emirates NBD.
• I downloaded a mobile Wallet App compatible with Apple Pay, Google Pay, and Samsung.
• 24*7 support service for cardholders.
• Emirates NBD Mobile App provides the facility to manage the account online.

Offers:

• Get up to 50% off on your bills in particular restaurants.
• Lounge access members have unlimited access to airport lounges in every part of the world.
• Exceptional deals for card members on flights and other hotels, including the Marina Bay Sands through Emirates NBD Travel.
• Nol card integration is used to offer discounts on public transport.
• Cash-back on fuel and other everyday expenses.

Emirates Islamic RTA Card

Whoever uses public transport in the UAE may want to hold the Emirates Islamic RTA Card. 

Benefits: 

• The frequent traveller benefits contain cash-back rewards.
• 10% cash-back benefit on all RTA public transport usage.
• 5% cash-back on fuel spent on the card.
• 3% cash-back on groceries and utilities.
• The last quarterly summary captured 1 % cash-back on all other purchases.
• Ease of travel with free Nol card integration.
• Access to airport lounges worldwide, including the USA, at no charge.
• I am travelling abroad without the need to pay for insurance expenses (in the primary coverage).
• Protection against losses for purchases made.
• I have extended warranty cover for some purchases.
• Access to restricted promotions, including travel, hotel, and car hire rates.
• Annual fees are AED 300.
• The minimum required is 5000 AED salary every month.
• 3.25% interest on repayments every month.

Features:

• Flexible repayment options with a 5% minimum due payment.
• Global coverage in more than 200 countries.
• Integration of mobile wallets, Apple and Google.
• 24-hour service for inquiries related to cards.
• Cards are issued instantly upon approval.
• Access to Emirates Islamic mobile application for online management of accounts.
• Online transactions are secured with one-time passwords.

Offers:

• Limited Period Offer To 50% Discount On Some Food Outside For Some Restaurants.
• Access to airport lounges is free in multiple airport complexes all over the continents.
• Emirates Islamic Travel offers special deals for hotel and flight bookings.
• Car hire services and travel packages can be accessed at lower prices.
• There are no foreign currency surcharges for the first year.

Emirates Islamic Cashback Credit Card

The Card aims at different segments. Therefore, it is undoubtedly one of the best credit cards for cashback since points can be earned from various monthly expenses.

Benefits:

• Up to 10% cashback on supermarket bills, dining, and fuel expenses.
• Utility bill payments attracted a 7% cash back.
• Entertainment and leisure bring back 5%.
• Assorted Purchases up to 1% cash back.
• There are no limits or caps on how much cash-back rewards one can earn.
• Complimentary airport lounge access at specific international airports.
• Cardholders and their families Receive Book travel insurance.
• All Transactions enjoyed Purchase protection.
• Limited selections purchases get extended warranty.
• Special rates are offered to members of hotels, restaurants, and shopping outlets.

Features:

• Annual fee: Fee of AED 300.
• Minimum salary requirement: 7,500 AED.
• Interest rate: Monthly members 3.45%.
• Redeem cash back instant that Revalidates/Remembers redemption via the Emirates Islamic app.
• This card is accepted in more than 200 countries and is available abroad.
• The minimum payment against an invoice is 5%, with no limits on credit usage.
• Quick and easy contactless payment through mobile wallets.
• For cardholders, a support service is available around the clock.
• Manage accounts online through Respublik Islamic Banking applications.
• A secure platform for making payments over the Internet about feedback from OTP.

Offers:

• Up to 50% on food bill deductions in some restaurants.
• Free entry to lounges is provided at airports around the world.
• Stay for a discounted hotel rate and rent a car from select partners.
• Shops at high-end brands with exclusive offers.
• Get particular airline discounts and attractive travel packages.

RAKBANK World Mastercard Credit Card

RAKBANK World MasterCard Credit Card is the best of all cards for people who want to get the maximum return on their spending due to dining, travelling, and shopping. This card is meant for good earners who seek remarkable travel benefits and substantial cash-back rewards.

Benefits:

• Dining cashback transactions earn 10% cash back.
• 5% cash back on hotel spending and 5% on flight ticket purchases.
• 3% cash back on the purchase of petrol.
• 1% on returns of almost all other payments.
• Free access to airport lounges for over 500 airline members.
• A distance-country plan which includes free travelling insurance.
• Coverage of any purchase made using the card.
• Coverage of major electronic equipment and home appliance items.
• Additional complimentary cards are issued to family members holding the card.
• Assistance in arranging transportation, restaurant bookings, and entertainment activities at any time of the day or night.

Features:

• AED 1,000 (the 1st year will be free).
• Minimum monthly salary requirement: AED 20,000.
• The interest is charged at an annual percentage of 3.45% per month.
• Cash back with no limits on earnings.
• Flexible repayment methods with a 5% minimum payment only.
• Worldwide, in more than 200 countries.
• Free travel and lifestyle benefits – MasterCard World Benefits program benefits.
• Apple Pay, Google Pay, and Samsung Pay mobile wallet links.
• A helpline is available to help customers 24 hours a day, seven days a week.
• Two-password verification (2FA) for safe internet transactions.

Offers:

• Up to 50% discount on luxury fares at certain restaurants for diners.
• RAKBANK Travel offers fantastic discounts on hotel and flight fares.
• LoungeKey complimentary access to over 1000 lounges around the globe.
• Deals on domestic and international rental cars through car rental companies affiliated with the company
• Get a partial fund back for your travel booking via particular online visitors only.

Emirates Islamic Switch Cashback Credit Card

Emirates Islamic Switch Cashback Credit Card rewards users for saving money on every step with instant reward redemption at the same time. This card also allows investors to change between cash-back and awards through travel, shopping, and donating to effective organizations.

Benefits:

• Cash-back of up to 10% on purchases in supermarkets and restaurants.
• 5% cash-back on utility and telecom service payments.
• Provide 3% on fuel payments and RTA service payments.
• 1% cash-back on the remaining purchase transactions.
• We are sustaining free worldwide travel protection for cardholder customers.
• Protection of purchased qualifying products.
• Additional protection for electronics and other items purchased beyond what is initially offered by the products.
• Unrestricted additional credit cards for members of the household.
• Offers lifestyle benefits from partners of Emirates Islamic.
• Choose between cash-back or loyalty points.

Features:

• This credit card has an annual membership of AED 350 that is waived in year one.
• This credit card has a minimum monthly salary requirement of AED 6000.
• The monthly compelling interest you will pay is 3.45%.
• There is no limit on cash-back percentage earnings.
• The minimum payment is only 5 per cent, which is used/repaid fully later.
• In over 200 nations, this card is accepted.
• Integration with Apple Pay and Google Pay mobile wallets.
• Customer support is available 24/7 for any card-related issues.
• The user can perform transactions on the Internet, where an OTP is generated for verification.
• Shopping and travel benefits that are not available to the public.

Offers:

• Restrictions apply on participation, and probably the most rewarding Freebie of Up to 50% Off on Dining tantalizing Offers at Select Restaurants.
• Participating cinemas may reduce the price of movie tickets.
• Particularly advantageous travel offers include airline tickets and hotel accommodations.
• Freedom to access airport lounges through LoungeKey.
• Select retail partners offer attractive deals on electrical appliances.

RAKBANK Titanium Mastercard Credit Card

Evolution is characterized by changes in the way we invest. The RAKBANK Titanium MasterCard Credit Card boasts an unrivaled value cash-back solution for shopping, including groceries, fuel, utility payments, etc. These cards allow users to earn the best relative to comparable credit cards. As such, it is best suited for those who wish to minimize the costs incurred when procuring everyday amenities.

Benefits:

• Five per cent cashback on supermarket and grocery purchases.
• Five percent cash back for fuel purchases.
• Utility bill payment attracts a 2 per cent cashback.
• One percent cash back on all purchases categorized under any other category.
• No limit applies to cash-back rewards; reward yourself without restrictions.
• Post-travel for cardholders is free of charge at the card issuer’s expense.
• If something is bought, specific terms include a purchase qualifying for the protection.
• Purchase that qualifies for an extended warranty period after its regular warranty ends.
• Additional free cards for the immediate family members.
• Precious additional benefits with dining and shopping are offered through Mastercard affiliates.

Features:

• AED 300 (this service is free for the first year).
• The minimum monthly salary requirement is AED 5,000.
• Rate of interest: 3.25% per month.
• More than 200 countries across the globe.
• Use your mobile devices to access your Wallet applications, Apple Pay and Google Pay.
• There are options to pay the dues, e.g., the minimum payment is 5%.
• Support is provided in connection with cards and round the clock.
• The option of the card is available immediately within certain branches
• Unique access to experiences around the world is called Priceless Cities by MasterCard.
• OTP authorization makes it safe to go shopping online.

Offers:

• Offers include a discount of up to 50% on dining at a few select restaurants.
• Unlimited cash-back on fuel purchases.
• Free access to airport lounges through Lounge Key.
• Competitive prices for holiday wishes are made through RAKBANK Travel.
• Shopping offers available from loyalty partners.

Liv. Platinum Credit Card

The Emirates NBD Liv. Platinum Credit Card is a millennial dream suited for the tech-savvy. This cash-back credit card encourages holders to spend more and is well-complemented by the Liv—app for perfect card management.

Benefits:

• Get back cash worth 5% when eating out or engaging in entertainment activities.
• 3% cash back to get on fuel and groceries.
• 1% of the entire purchase amount is returned as cash.
• Cashback can easily be redeemed from the Liv—app for the users.
• Free travel cover is available for users who have the cards.
• Purchase insurance on eligible purchases made through the card.
• For certain items, there is an option to purchase additional protection against damage beyond the standard warranty covered in most purchases.
• Additional cards are issued to family members at no extra cost.
• Additional benefits of this nature include lifestyle-related discount offers with Liv. Partners.
• Absence of annual charges during the first year of use.

Features:

• AED 400 (except for the first year).
• The monthly salary should be at least AED 5000.
• Interest rate: three point four five per cent (3.45%) monthly.
• It is accepted in over 200 countries.
• The mobile wallet’s usage includes Apple Pay, Google Pay, and Samsung Pay.
• Management of cards made easy- Liv. The app lets you check how much you have spent, how many points you have left, or how to use them.
• Payback periods are easy to meet. Exceptional minimum payment is 5%.
• The Liv can address queries regarding Liv. products and services 24 hours a day via application or hotline.
• If your application gets approved, your card will be printed and issued instantly.
• Purchases made online are protected by One Time Password.

Offers:

• Special discounts on a particular restaurant’s bills are up to 50%.
• Travel benefits include booking tickets and reserving hotels at a significant discount using Liv. Travel.
• Movie passes are offered at discounted prices at associated theatres.
• Airport Lounge Access for free through LoungeKey.
• Electronics and gadgets are available at discounted rates from select stores.

Liv. World Credit Card

The Liv. World Credit Card is a premium card from the brand Liv. Emirates NBD owns it. It was designed for people with a high income—more attractive cashback and several other legal benefits, as well as travelling.

Benefits:

• Up to 10 percent of cash-back is provided when you pay for dinner and are entertained with 963 03482344.
• 5% cash-back on fuel and groceries. 5% cash-back offers are available on clothing and food shopping at grocery stores.
• Up to 2% cash-back on utility bill payments.
• One per cent on all other cashless trading.
• Rewards cash-back awards programs: “There’s no maximum limit.
• Access to over 1,000 airport lounges without any extra charge.
• Travel insurance coverage for cardholders or families with cardholders.
• They are covered to protect purchases made with eligible transactions.
• Devices, instruments, office equipment warranty extension.
• Travel agencies provide extravagant discounts for hotel bookings, aeroplane tickets, and care hires through Liv. Partners.

Features:

• The membership fee is AED 1,500 (this amount will not be charged in the first year).
• Minimum monthly salary: AED 20,000.
• 3.25%interest rate for the first month.
• There is a scope of repayment of any amount with a minimum of 5%; the US dollar is fixed.
• More than 200 countries of the world.
• Payments can be made through mobile wallets, including Apple Pay, Google Pay, and Samsung Pay.
• Manage everything: payments, cards, and offers in the card management System- Liv. App.
• Taste of Life with Liv. Travelling or joining a restaurant or club & booking can be made 24/7 as no time or resource is needed.
• The card is available instantly after its approval.
• Performing online banking advice is a must because a dual connectivity system is employed.

Offers:

• 50% off on eating out at designated places for the day, meaning those specific days at specific restaurants.
• The privilege of LoungeKey membership is that you don’t pay for airport lounge access.
• Liv offers specialised discounted airline tickets and hotels.
• Car rentals at exceptional rates with specific dealers.
• Under the participating outlet program, there is cash back for high-profile shoppers.

Deem Finance World MasterCard Credit Card.

For travellers and people who appreciate premium lifestyle benefits, the Deem Finance World MasterCard Credit Card is ideal. This card offers the best cash-back for travelling, eating out, and making everyday purchases.

Benefits:

• Up to 10% cash-able returns are offered on hotel reservations and flight purchases.
• 5% of what you spend on food and leisure is refundable.
• 2% cashback on fuel and utility bills.
• 1% on all other purchases.
• Free of charge travel cover in case the cardholder travels away from home or with family members.
• Ability to access more than a thousand lounges in various airports all over the world.
• All transactions that are covered by the card come with purchase protection.
• Warranties of electronics and home appliances are extended.
• No fee supplementary cards are provided to the families of cardholders.
• A dedicated travel and premier service to tend to all luxury or travel needs at any time of the day.

Features

The annual fee translated into AED 1200 (the first year does not attract this fee).

Minimum monthly salary requirement: AED 15,000.

• Interest rate: 3.45% a month.
• Unlimited cash-back rewards will have no limits or caps.
• How often does the repayment have to be made up to 5 people, including a minimum payment?
• Over 200 countries worldwide where transactions can be done through the network.
• Payments to individuals and cashless are payable via Apple, Google, and Samsung Pay registers.
• Delicate helpline and day-and-night customer support.
• Deem rewards applications for redemptions and card management.
• Avoid Online Shopping frauds with OTP as well as anti-fraud CHECK that is going on.

Offers:

• Get more than half-cut from your bills with select restaurants offering fine dining packages.
• Luxury hotels and flights also have associated deals.
• Access to Airport Lounges through LoungeKey membership.
• Car rental discounts are also available from partner companies.
• Money back on purchases at participating department stores.

Conclusion

One must be conscious of one’s spending habits to choose wisely with the best cash-back credit card in the UAE. Indeed, if one would rather spend on fuel, dine-on discounts or travel perks, there is a card for each of these preferences and many more. A Commercial Bank of Dubai super saver card and RAKBANK World mastercard credit card cater to individuals looking for a higher return on general purchases, while Liv. World credit card and Deem Finance world mastercard credit card are for high spenders who enjoy traveling and thus are provided with premium perks. Before deciding, it is advisable to check annual fees, interest rates, and minimum salary requirements on the card to help choose the most appropriate card concerning one’s lifestyle and financial position.

FAQ’s: