Are you looking for Cashback Credit Cards in UAE? Well, you have come to the right place.

Spending more is not a negative thing always. Sometimes, it helps you earn more. This is exactly the advantage of having a cashback credit card. It pays back the user a certain percentage of their spending they make in cash.

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How Does Cashback Work?

Usually, it is great deal because it gets some money back to the cardholder every time, they spend some amount using the card.

Supposedly, if a card provides you with a cashback of 3% on your expenses, spending 1000 AED will help you earn 30 AED.

The cashback you gain can be in the form of cashback points or in the form of money which is credited back to your account by the end of the billing statement.

This way you can shop as much as you want and save a good amount out of the spending.

TOP 5 Cashback Credit Cards of UAE in 2021

  1. Citibank Cashback Credit Card

citibank cashback credit card

This card requires a minimum salary of 8,000 AED without a salary transfer or adhere to Islamic Finance.

With 0 annual fees for the first year, this card is free from year 2 as well unless a minimum spend of AED 9,000 annually is not met.


  • Unlimited and Automatic Cashback on all spend
  • Complimentary Travel Insurance
  • 2% cashback on grocery shopping
  • 1% cashback on other expenditure
  • Complimentary access to over 850 airport lounges
  • No minimum spends and redemption
  • No earn caps on cashback

Documents Required:

  • Copy of visa & passport
  • Emirates ID
  • Salary certificate
  • 3 months’ salary statement
  1. CBD Now Visa Signature Card

CBD now visa signature card

With a minimum salary requirement of AED 10,000, this card does not require salary transfer nor offers Islamic finance.

It has 0 annual fees with an interest rate of 2.99% after a 52-days interest free period.


  • Flexible 12-months installment plan
  • Complimentary access to over 550 airport lounges worldwide
  • 50% off on 4 VOX tickets per month
  • Free Valet Parking

Documents Required:

  • Emirates ID
  • Copy of passport
  • Residence visa
  • Salary certificate
  • Valid trade license if self-employed
  1. ADIB Cashback Visa Platinum Card

ADIB visa signature platinum card

This card has a minimum salary requirement of 5,000 AED and a profit rate of 2.99%. It also offers 1% unlimited cashback on all retail expenditure.


  • Islamic Credit Card
  • 1% cashback on all purchases
  • No minimum spend required
  • Valet parking at selected places in UAE
  • Complimentary access to airport lounges worldwide
  • 4 Supplementary cards

Documents Required:

  • Copy of passport
  • Emirates ID
  • 3 months bank statement
  • Salary certificate (not more than 30 days old)
  1. Citibank Citi Prestige Card

citibank citi prestige card

With an annual fee of AED 1,500, this cashback credit card requires a minimum salary of 30,000 AED.

It also offers 10,000 bonus points when the card is renewed annually.


  • Complimentary access to over 750 airport lounges worldwide
  • 24/7 concierge service
  • Free golf services
  • Unlimited supplementary cards free of cost
  • Redeem bonus points for free flights or Air Miles
  • Free 4 VOX tickets

Documents Required:

  • Pan Card
  • Salary slips for last 3 months
  • Copy of passport
  • Driver’s license
  1. ADIB Spice Card- For Expats

ADIB Spice card for expats

It offers one of the best reward programs in UAE. It is an Islamic credit card. 100% finance limit for cash withdrawals with a minimum salary requirement of 12,000 AED.


  • Up to 9% cashback on restaurant bills
  • 7% on grocery shopping
  • 4% on fuel
  • 1% on utility spend
  • Dining discounts up to 25%
  • Reward points can be redeemed for airline tickets

Documents Required:

  • Original and copy of passport
  • Emirates ID
  • 3 months bank account statements
  • Salary certificate

Things to Remember before getting a Cashback Credit Card

  1. Minimum Spending Requirement

Cardholder must ensure that he is not overspending and is adhering to the finance limit of the credit card. Overspending can increase credit utilization resulting in impacting the credit score negatively. Hence, always keep your credit limit in mind.

  1. Validity of Cashback Rewards

The cashback rewards always have an expiry date. The cardholder should keep a check on it and make use of the reward before time of validity expires.

  1. Caps on Cashback

Some credit cards have limitations on the cashback that can be earned. The cardholder must check the limit of maximum cashback and spend accordingly.

  1. Spending Areas

Not all outlets and expenses are eligible for cashback. The cardholder must check the spending area which offers cashback.

If you are generally interested in credit cards in the UAE, check out our article on the best credit cards in the UAE


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