Top 10 Best Cashback Credit Cards in UAE

We all know how credit cards have become an essential part of our lives, so why not make the most out of them, right? Whether you’re a seasoned pro or a newbie in the cashback game, this blog is your go-to source for discovering the most rewarding credit cards available in the UAE.

With the financial world constantly evolving, credit card providers are always upping their game to offer exciting features and rewards that cater to our diverse needs. That’s where cashback credit cards come in. They make spending even more fun by giving you back a percentage of what you spend as cold, hard cash.

Whether you’re a jet-setter, a shopaholic, or just someone who loves a good deal, our top 10 cashback credit cards in the UAE cover a wide range of options to suit every taste. We get it; everyone’s got their own financial needs and preferences, which is why our list has something for everyone. Let’s dig in!

What is Cashback in a Credit Card?

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A cashback credit card is a type of credit card that offers a cashback reward program to cardholders. With a cashback credit card, you earn a certain percentage of your purchases back as cash rewards. These rewards are typically credited to your credit card account or can be redeemed in various ways, such as statement credits, direct deposits, or even physical checks.

Understanding Cashback Rewards

Cashback in credit cards is essentially a way for credit card issuers to incentivise card usage and reward customers for their spending. Instead of earning points or miles that can be redeemed for specific goods or services, cashback rewards provide more flexibility as they can be used towards any expenses or even deposited directly into your bank account.

Variety of Cashback Rates and Categories

The cashback percentage varies depending on the credit card and the spending category. Some cards offer a flat-rate cashback on all purchases, while others provide higher cashback rates for specific categories such as dining, groceries, or travel. Additionally, cashback credit cards often have certain spending thresholds or caps, meaning that you may earn cashback up to a certain amount or within specific categories.

Maximising Savings and Flexibility

Cashback rewards can be a great way to offset your credit card expenses and save money. By using a cashback credit card for your everyday purchases, you can earn a percentage of your spending back, effectively reducing the overall cost of your transactions.

It’s important to note that cashback rewards are typically taxable, so you may need to report them as income on your tax return, depending on your jurisdiction.

Factors to Consider when Choosing a Cashback Credit Card

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When choosing a cashback credit card, there are several important factors to consider. These factors will help you determine which card is the best fit for your spending habits and financial goals. Here are some key considerations:

• Cashback Rates: Look for a card that offers competitive cashback rates. Some cards provide a flat cashback rate on all purchases, while others offer higher rates for specific spending categories. Consider your typical spending patterns and choose a card that rewards you for the categories you spend the most in.
• Spending Categories: Check if the cashback credit card aligns with your spending habits. Some cards offer higher cashback rates for categories like dining, groceries, or travel. If you frequently spend in these categories, a card that prioritises them can help you maximise your cashback earnings.
• Annual Fees: Consider whether the card has an annual fee and whether the benefits and cashback rewards justify the cost. Some cards may have higher cashback rates but come with annual fees, while others may offer lower rates but have no annual fees. Do the math and determine if the rewards outweigh the cost.
• Redemption Options: Look into the redemption options for the cashback rewards. Some cards allow you to redeem cashback as statement credits, direct deposits to your bank account, or even physical checks. Choose a card with redemption options that are convenient and valuable to you.
• Caps and Limitations: Check if the card has any limitations or caps on cashback earnings. Some cards may have maximum cashback limits per year or spending thresholds to earn higher rates. Be aware of these limitations to ensure they don’t hinder your ability to earn rewards.
• Additional Perks: Consider any additional perks or benefits offered by the card. This could include things like travel insurance, purchase protection, airport lounge access, or concierge services. If these perks align with your lifestyle and provide value beyond cashback rewards, they can enhance your overall credit card experience.
• Interest Rates and Fees: While the focus is on cashback rewards, don’t overlook the interest rates and fees associated with the card. If you plan to carry a balance, high interest rates can negate the value of cashback rewards. Additionally, be aware of late payment fees and other charges that may impact your overall financial health.
• Credit Card Issuer: Consider the reputation and reliability of the credit card issuer. Opt for a well-established and trustworthy institution that provides good customer service and has a solid track record.

10 Best Cashback Credit Cards in UAE

FAB Cashback Credit Card

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Meet the FAB Cashback Credit Card – your go-to for some serious cashback perks! Score a cool 5% cashback on your supermarket hauls (yes, even online shopping), fashion shopping, and dining. The best part? No need to stress about hitting a minimum spend!

Just keep in mind if you go for the minimum payment each month, you might end up shelling out more in interest and taking forever to clear that balance. The card requires a minimum monthly salary of AED 5,000, and there’s an annual fee of AED 300.

But hey, the benefits are worth it – top-tier cashback rates on your everyday spending! Your cashback is calculated monthly and can be snagged by the statement date whenever you feel like treating yourself.

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Additional Benefits of FAB Cashback Credit Card

• Movie Tickets
  • Up to two cinema tickets per month
  • AED 20 per ticket at Reel Cinemas, Cine Royal, and Star Cinemas

• Talabat Discounts
  • 50% off food orders, up to AED 40 off per order, four times a month
  • Minimum spend: AED 100

• Priceless Offers
  • Special offers on dining, fitness, beauty, hotels, and attractions with Mastercard

• Credit Shield
  • Outstanding balance paid off in case of inability to meet credit card payments

• Wallet Shield
  • Covers fraudulent transactions on lost or stolen credit cards, cash, or identification papers
  • Apply by texting “WS” to 2121

• Airport Lounge Access
  • Free, unlimited access to more than ten airport lounges worldwide for the cardholder
  • Plus, six complimentary visits per year for one guest

• Hotel Bookings
  • Up to 40% off MakeMyTrip flights and hotels
  • Up to 10% cashback on Booking.com with millions of properties worldwide
  • 15% discount on IHG Hotels & Resorts across Europe, Maldives, India, Middle East, and Africa with Mastercard

• Careem Rides
  • 20% off on up to three rides per month with promo code “MASTERCARD”
  • Two free airport transfers per year

• Avis Car Rental
  • 20% off on car rentals
  • Complimentary upgrade with every rental
  • Reserve at MastercardMEA (avisworld.com) using an eligible Mastercard

Note: To access the service, eligible cardholders need to call 04-8524856 and make a booking at least 2 working days in advance of their travel or desired drop-off/pick-up date. The service desk operates 6 days a week, from Monday to Saturday, between 09 AM and 7 PM.

How to Apply for FAB Cashback Credit Card?

Apply using FAB mobile app

• Step 1. Download the App: Head to your app gallery, Google Play Store, and App Store and download the FAB Mobile App on your smartphone.
• Step 2. Create Your FAB Account: Open the app and follow the easy steps to create your FAB account. Enjoy the convenience of a seamless process with zero paperwork.
• Step 3. Emirates ID Verification: Complete the account setup using just your Emirates ID for verification. This streamlined process ensures a hassle-free application.
• Step 4. Explore FAB Rewards: Once your account is set up, explore the FAB Rewards section within the app. Discover various options using your earned rewards, including game time, shopping vouchers, and bill payments.
• Step 5. Apply for FAB Cashback Credit Card: Navigate to the credit card section on the app. Select the FAB Cashback Credit Card and proceed with the application.
• Step 6. Fill in the Required Details: Enter the details as prompted, ensuring accuracy. Provide the required information for a smooth application process.
• Step 7. Review Cashback Benefits: Take a moment to review the exclusive cashback benefits offered by the FAB Cashback Credit Card. Understand the perks, including discounts on movie tickets, Talabat orders, and more.
• Step 8. Submit Your Application: Once all details are filled in, submit your credit card application through the app. Enjoy the convenience of an instant application process with no need for physical paperwork. Monitor the status of your credit card application within the app.
• Step 9. Activate Your FAB Cashback Credit Card: Once approved, follow the instructions to activate your FAB Cashback Credit Card. Get ready to enjoy the incredible benefits, including cashback on everyday spending.

Apply for FAB cashback credit card using homepage

• Step 1: Visit the official FAB website – Go to the FAB Cashback Credit Card homepage and click “Apply Now” to begin your application.
• Step 2: Card selection – Confirm that the FAB Cashback Credit Card is the one you wish to apply for before proceeding.
• Step 3: Authentication – Enter your mobile number, provide and confirm your email address, and complete the liveliness check (facial verification).
• Step 4: Verification – Have your Emirates ID ready and follow the instructions to verify your identity.
• Step 5: Provide financial information: Disclose your monthly salary to facilitate the application process.
• Step 6: Submit your application: Once all additional details are accurately filled in, submit your application.
• Step 7: Confirmation and callback: Expect a confirmation message acknowledging your application. A bank representative may contact you for further verification if required.

There you have it! Start using your FAB Cashback Credit Card for grocery shopping, dining, and more to take advantage of the fantastic cashback rates.

ADIB Cashback Visa Platinum Card

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Discover the cool perks that come with the ADIB Cashback Visa Platinum Card – it’s not your average card! Score an instant 1% Cashback on whatever you’re splurging on, no matter where or when.  Take note that the minimum monthly salary requirement is AED 10,000.

Need some extra cash? You can withdraw 100% of your finance limit hassle-free. Plus, enjoy a sweet grace period of up to 55 days to settle your balance – no stress!

But wait, there’s more! Share the love with four free supplementary cards for your fam, so everyone gets in on the Cashback action. Hit the road with confidence thanks to free roadside assistance, covering everything from tows and jump starts to fuel delivery – just call 600-542010 when you need a hand.

And that’s not all – your ADIB Cashback Visa Platinum Card isn’t just about finances; it’s your VIP pass to airport lounges worldwide through Veloce Lounge.

ADIB cashback credit card features

• Free Roadside Assistance: Includes unlimited city limit towing, inter-emirate towing (3x per year), jump start services, flat tyre service, lockout service, and fuel delivery (once per year within the same city). Call 600-542010 for assistance.
• Access to Airport Lounges worldwide: Free access via Veloce Lounge. (Click here for a list of lounges).
• ADIB Online Banking: Visit simple.adib.ae to view your Card statement and conduct transactions.
• 24×7 Chat Banking: Access your account securely through WhatsApp at +971600543216 anytime.
• E-statements: Choose an eco-friendly option and receive your statements via email.
• SMS Alerts: Stay informed with Card information and transaction alerts.
• Multiple Payment Options: Convenient ways to pay your ADIB Covered Card bill. (Click here for a full list).
• ADIB Mobile Banking App: Manage your card on the go. Download from iTunes App Store, Google Play Store, or HUAWEI AppGallery.

Required documents for ADIB cashback credit card 

• Original and copy of valid Emirates ID
• ​Original and copy of valid passport
• Bank account statement (of last 3 months)
• Salary certificate from current employer​ (should not more than 30 days old)​

Fees and Charges for ADIB cashback credit card 

• Annual Fee: AED 1,000 (Free for the first year, applicable from the 2nd year onwards)
• 5th Supplementary Card Annual Fee: AED 1,000 (First four supplementary cards are free)
• Monthly Profit Rate: 3.75%
• Cash Withdrawal Limit: 100% of the finance limit
• ATM Cash Withdrawal Fee: 3% (Minimum AED 99)
• Card Replacement Fee: AED 75 (No fee if the damaged card is returned to the branch)
• Minimum Monthly Payment: 5% (Minimum AED 100)
• Grace Period for Monthly Payment: Up to 55 days

How to Apply for ADIB cashback credit card

Online Application:

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• Step 1. Visit the Application Page: Go to the ADIB Cashback Visa Platinum Card application page.
• Step 2.Complete Personal Information:
  • Fill in your name in the provided field.
  • Provide a valid email address.
  • Enter your contact number, including the country code.

• Step 3. Existing Customer Check: Indicate whether you are an existing ADIB customer by selecting “Yes” or “No.”
• Step 4. Confirmation of Information: Confirm the accuracy of the provided information.
• Step 5. Agree to Terms and Privacy Policy: Confirm that the information is accurate to the best of your knowledge. Agree to ADIB processing your personal information per the privacy policy on ADIB.ae.
• Step 6. Confirm that you are 18 years or older to receive marketing materials.
• Step 7. Submit Application: Click on the “Submit” or “Apply Now” button to send your application.
• Step 8. Wait for Contact: Wait for the concerned person to reply. Expect a response regarding the status of your application.

Emirates Islamic Cashback Plus Credit Card

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Say hello to the Emirates Islamic Cashback Plus Credit Card – your passport to cool perks without any Annual Membership Fee*. Imagine getting up to 10% cash back on your everyday essentials like groceries, education, dining, and even telecom expenses. It’s like saving while you spend on the things that matter!

But hold up, there’s more to this card than just cashback. Picture this: unlimited access to over 1000+ airport lounges worldwide – that’s right, no more waiting around at the airport. Plus, score two rounds of free golf every month because why not? And just to make life a bit easier, enjoy one free valet parking service per month.

Whether you’re shopping, learning, dining, or just staying connected, this card’s got you covered with some serious savings.

Additional benefits of Emirates Islamic cashback plus credit card

• Auto top-up facility on Salik for hassle-free recharges.
• Up to 2 “Buy 1 Get 1” complimentary Reel Cinemas movie tickets per month with a minimum spend of AED 3,000.
• First airport lounge visit is free annually; subsequent visits require a minimum of USD 1 foreign spend.
• Extended Warranty automatically doubles the original manufacturer’s warranty for an additional year.
• Up to 2 complimentary Marhaba Meet & Greet services every year (minimum spend of AED 3,000 required).
• Purchase Protection against theft or damage for eligible purchases.
• Cash on Call facility allows withdrawal of up to 80% of the available credit limit.
• Exclusive privileges at 900+ luxury hotels worldwide, including room upgrades, free breakfast, and late checkout.
• Multi-trip travel insurance covering travel accidents and inconveniences for trips up to 90 days.
• 0% Easy Payment Plan for purchases at partner outlets like Carrefour and Sharaf DG.
• One complimentary valet parking service per month at select locations (minimum spend of AED 3,000 required).
• Free access to Dubai Ladies Club & Sharjah Ladies Club (minimum spend of AED 3,000 required).
• Exclusive Visa Travel Offers, including discounts on Dubai staycations, international hotels, and up to 35% off car rentals.

How to earn cashback on Emirates Islamic cashback plus credit card?

Click here to calculate how much cashback you can earn with the Emirates Islamic Cashback Plus Card.

Things to Remember:

• Daily profit calculation at a rate of 3.49% per month for cash withdrawals or partial payments.
• Late payment incurs an AED 225 charge (Obligated Amount to Charity).
• Cash withdrawal incurs a fee of 3% of the amount or AED 99 (whichever is higher) in addition to the billed Profit amount.
• AED 249 will be charged if the credit card balance exceeds the set credit limit.
• Up to 2.34% fee for transactions in currencies other than UAE Dirham.
• Mastercard or Visa determines the exchange rate within a range of wholesale market rates.
• Enrolled for complimentary Card Takaful cover at a premium of 0.99% per month for the outstanding amount (first two statements only).
• Non-payment may block credit cards, affecting credit rating and future finance eligibility.
• All fees exclude 5% Value Added Tax (VAT), where applicable.

How to apply for Emirates Islamic cashback plus credit card:

• Step 1. Access the Form: Visit the registration form here.
• Step 2. Complete Personal Information: Fill in your first name, last name, mobile number, and email address in the respective fields.
• Step 3. Location Information: If you are based in Abu Dhabi, provide the necessary details, such as your company name and monthly income in AED.
• Step 4. Agree to Terms and Conditions: Review the Terms and Conditions provided. Tick the checkbox to confirm your agreement.
• Step 5. Submit the Form: Once all required fields are completed and the Terms and Conditions are agreed upon, submit the form.
• Step 6. Confirmation: Receive a confirmation message indicating that your interest has been registered successfully.
• Step 7. Wait for Contact: Expect a team member to contact you personally to discuss further details.

Mashreq Cashback Credit Card

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Mashreq Cashback Credit Card, is a game-changer in the world of credit rewards. This card offers unlimited cashback of up to 5% on every spend. This Free for Life card comes with no annual fees and provides a generous Welcome Bonus for new and existing customers.

New customers can enjoy an AED 500 Welcome Bonus when they spend AED 5,000 or more in the first two months after card issuance. Upon meeting the same spending criteria, existing customers receive an AED 100 Welcome Bonus. 

Enjoy rewarding cashback categories with 5% cashback on international and local dining spends, 2% cashback on other international transactions, and up to 1% cashback on local spending. Additionally, 0.33% cashback is earned on government payments, utilities, education, charity, fuel, rental, and telecom spends.

Note: Cashback is not applicable on bill payments made via Mashreq Online and Mashreq Mobile.

Additional benefits of Mashreq cashback credit card:

• 20% cashback for the first 6 months on Zomato, Netflix, and more (max AED 50 per merchant per month, T&Cs apply).
• Join the DragonFly & Dine Programme for dining discounts via the Dine & Fly mobile app.
• Unlock Visa MENA Offers powered by Entertainer, featuring 2-for-1 deals on dining, entertainment, and shopping.
• Access 5,000 travel discounts through the Visa Offers MENA app (available on Google Play and iOS App Store).
• No annual fees for both Primary and Supplementary Cards.
• Interest-free period is available, with a monthly interest rate of 3.85%.
• Minimum monthly payment requirement: 5% of your monthly statement balance.
• Pay Protect Insurance: 0.99% of your monthly statement balance plus 5% VAT.

Eligibility for Mashreq cashback credit card

• Monthly income of AED 5,000.
• The program is open to cardholders whose cards are not blocked and are in good standing.
• Cashback earned by supplementary cardholders will be credited to the primary cardholder’s account.
• Participation in the program is automatic for all eligible cardholders.

How to Apply for Mashreq cashback credit card?

• Step 1. Initiate Authentication: Begin the application process by selecting the “Authenticate” option, which can be found on this application page.
• Step 2. Authenticate via SMS: Enter your mobile number, including the country code. Provide your email address. A 6-digit code will be sent to the provided mobile number via SMS, and you have to enter an Authentication Code.
• Step 3. Personal Details: Provide your personal details, including your full name, date of birth, and any other required information.
• Step 4. Employment Details: Enter relevant employment details such as your occupation, employer information, and income details.
• Step 5. Address Details: Fill in your current address details, including your residential address and any additional required information.
• Step 6. Confirmation: Review the information provided for accuracy and completeness. Confirm your consent to proceed with the application process.
• Step 7. Application Completion: Complete the application process, ensuring all steps are accurately filled.

Simply Life Cashback Credit Card

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The Simply Life Credit Card offers a range of day-to-day benefits to enhance your lifestyle. With a cashback feature starting from spends as low as AED 1000, cardholders can enjoy 1% cash back on all purchases. The cashback eligibility is simple – make monthly purchases of at least AED 1,000, with a maximum monthly cashback of AED 1,000.

The card is designed to be user-friendly, with no annual fees, making it a cost-effective choice. Cardholders making monthly purchases worth AED 1,500 or more receive two free movie tickets. The redemption process is hassle-free – simply purchase two tickets anywhere in the UAE for any show, and the cashback for the tickets (up to AED 70) will be credited.

It’s worth noting that movie tickets purchased at various outlets, including Cinema ticket counters, Cinema Kiosks, Cinema Websites, and Cinema Mobile Apps, qualify for movie cashback, excluding purchases at cinema food counters.

Additional Features/Benefits of Simply Life cashback credit card

• Complimentary Marhaba Lounge Access: Free access at Dubai International Airport Terminals 1 and 3 and DWC – Al Maktoum International Airport. Cardholders must present their Simply Life Mastercard and a flight boarding pass for entry.
• Diamond Lounge Access: Complimentary entry at the VIP Terminal of Abu Dhabi International Airport. The Plaza Lounges have been discontinued.
• Balance Transfer: Transfer your available balance from another bank’s credit card to your Simply Life Credit Card and save with low interest rates.
• Personal Payment Plan: Split everyday purchase transactions into easy installments of 6, 9, 12, 18, or 24 months at low interest rates.
• Credit Card Loan: Get cash against your available credit limit with a quick transfer to your account within 3 working days at a low interest rate. Repay in flexible installments over 6, 9, 12, 18, or 24 months.
• Card Control: Enhance safety with spending limits, international transaction control, and temporary card blocking via the ADCB Mobile Banking App.
• Credit Shield Insurance: Secure your credit card’s outstanding balance with an insurance plan against emergencies (optional).

Documents required for Simply Life cashback credit card :

• Accomplished Application Form
• Passport copy (with residence visa for Expatriates and page 60 for UAE Nationals, both valid for 30 days at the time of approval of the card).
• Copy of the Labor Card or a Government-issued photo ID card to be self-attested by the customer.
•  Emirates ID card or copy of EIDA application from.
•  Current Salary certificate or latest pay slip.
•  3 months bank statement.

Fees of Simply Life cashback credit card:

Fee Type	Charges
Retail Purchase	3.25% per month
Cash Advance	3.50% per month
Balance Transfer / Credit Card Loan / Installment Plans	Up to 2.25% per month
Cash Advance Fee	3.15% or AED 105 (whichever is higher)
Over-limit Fee	AED 288.75
Late Payment Fee	AED 241.50 (if the minimum payment due is not paid by the due date)
Card Replacement Fee	AED 78.75
Duplicate Statement Fee	AED 26.25
Returned Cheque Charge	AED 157.50
Copy of Sale Voucher	AED 26.25
Foreign Currency Transaction Margin	2.99%
Credit Shield Fee (Optional)	1.0395% of the outstanding balance at the billing cycle
Temporary Credit Limit Increase Fee	AED 52.50
Exchange House Payment Fee	AED 5.25 per transaction
Paper Statement Fee	AED 5.25 per statement
Foreclosure Fee (Balance Transfer / Credit Card Loan / Installment Plans)	AED 210
Processing Fee on 0% Interest Payment Plans (at participating merchants) and Credit Card Loans	AED 52.50

How to apply for the Simply Life cashback credit card :

• Call 600 545 545 for assistance.
• SMS “Simply” to 2626 to get started.
• Apply online by visiting the SimplyLife website and filling out the required details.
• Request a callback by leaving your number on the website.
• Submit required documents (passport copy, Emirates ID, salary certificate, and bank statements).
• Wait for approval and receive your credit card upon successful verification.

HSBC Live+ Credit Card

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HSBC has replaced the HSBC Cashback Credit Card with the Live+ Credit Card as of 6 December 2024. It is designed to bring you cashback rewards and exciting lifestyle benefits. This card lets you earn up to 6% cashback on your daily expenditures, including various dining, travel, and entertainment rewards. To apply, a minimum monthly income of AED 5,000 is required.

Enjoy a fixed APR of 44.28% for cash withdrawals and purchases; for the first year, no annual fee applies. From the second year onwards, an annual fee of AED 313.95 (including VAT) is waived if you spend at least AED 12,000 annually. As a welcome offer, receive AED 500 cashback when you apply by 30 June 2025 and spend AED 6,000 within the first 60 days.

With benefits such as cashback on spending, an annual fee waiver, up to 56 interest-free days on purchases, and a complimentary 12-month Careem Plus subscription, the HSBC Live+ Credit Card is tailored for those who appreciate intelligent spending. Apply now and unlock the advantages of this rewarding credit card.

Additional benefits of HSBC Live+ Credit card :

• Earn up to 6% cashback on everyday spending.
• Enjoy 6% cashback on dining (up to AED 200 per statement cycle).
• Get 5% cashback on fuel (up to AED 200 per statement cycle).
• Receive 2% cashback on groceries, education (until 1 March 2025), and entertainment (up to AED 200 each per statement cycle).
• Earn 0.5% cashback on all other spending or when monthly spending is below AED 3,000.
• Get up to 50% off dining at over 4,000 restaurants across the UAE with complimentary Zomato Gold membership.
• Enjoy Buy 1 Get 1 Free movie tickets every month, plus up to 25% off on food and drinks at cinemas across the UAE.
• Get 12 complimentary lounge visits per year to 1,000+ lounges worldwide (after completing one international purchase of USD 1 with your HSBC Visa card 15 days before travel).
• Save at 200+ airport restaurants worldwide with DragonPass Dine & Travel.
• Get up to 8% off accommodation when booking holidays on Booking.com.
• Access 200+ offers across dining, retail, and accommodation with the Timeout and Golf Access Programme.
• Enjoy Home & Away programme deals on shopping, travel, and dining worldwide.
• Receive complimentary travel cover up to USD 500,000 for you and your family on trips up to 90 days.
• Get an automatic extended warranty on full-card purchases, doubling the original manufacturer’s warranty for up to 1 year.
• Benefit from fraud protection covering up to USD 2,500 per claim and USD 4,000 per year for unauthorised transactions.
• Enjoy Visa Concierge Service for restaurant bookings, travel planning, and more.
• Get a complimentary 12-month Careem Plus subscription when you add and use your HSBC credit card on the Careem app.

Eligibility requirement for HSBC Live+ Credit card :

• No HSBC bank account is required.
• Minimum monthly income of AED 5,000.
• Age between 21 and 65.
• Residency in the UAE.

Documents needed:

Proof of Identification

• Passport
• Emirates ID
• Residence visa (for non-GCC nationals)

Proof of UAE Residency (Choose one of the following)

• Tenancy agreement or EJARI
• Title deeds (if you’re a homeowner)
• Utility bill (not older than 2 months)

Proof of Income

• Last 2 bank statements from the account where your salary is deposited or
• 2 salary credits into your HSBC account
• Salary certificate from your employer issued within the last month

Additional Card Applications

• Provide passport and Emirates ID details for the additional cardholder.

After Approval

• A security cheque equivalent to 120% of your credit facility will be required.

How to apply for HSBC Live+ Credit card

• For New HSBC Customers:
  • Check Eligibility Online: Visit the HSBC website and check your eligibility for the Live+Credit Card. Complete the online eligibility check, and receive an approval in principle within 5 minutes.
  • Application Approval: Once your application is approved, your Live+Credit Card could be delivered to you within 24 hours.
  • Apply Now: Proceed to the online application by clicking on the “Apply now” button.

• For Existing HSBC Customers:
  • Request a Callback: If you’re already an HSBC customer, you can request a callback by clicking on the “Get a callback” option. Fill in the required details, and an HSBC representative will contact you during working hours (Monday to Friday, 09:00 to 16:30).
  • Callback Confirmation: Await a callback from HSBC within the specified working hours. If you make a request outside these times, expect a response on the next working day.

• Contacting HSBC:
  • Alternatively, you can call HSBC directly to initiate the application process. Call +9714 3216834, and the HSBC team will assist you in the application process.
  • Lines Open 24/7: The HSBC helpline is available 24/7 for your convenience. Calls may be recorded to enhance the service quality.

Note: The provided contact information is for both local and international callers.

Citi Bank Cashback Credit Card

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The Citi Cash Back Credit Card is your key to enhanced spending and substantial savings. With a focus on cash back rewards, this card offers a tiered system to make your transactions more rewarding.

Gain an impressive 3% cash back on non-AED spend, ensuring added value for your international transactions. Additionally, enjoy a 2% cash back on grocery and supermarket purchases, as well as a 1% cash back on all other expenditures, making every aspect of your spending journey more lucrative.

Beyond its cash back features, the Citi Cash Back Card brings convenience to your financial management with its Easy Installment Plan, allowing you to convert significant purchases into manageable payments. Furthermore, the card provides instant access to cash loans with just a click.

As part of Citi’s ongoing promotions, the card opens doors to local discounts and exclusive offers on dining, online shopping, and entertainment. This ensures that every transaction with your Citi Cash Back Card not only brings financial benefits but also adds to the joy of creating memorable moments with your loved ones.

Additional Benefits of Citi Bank cashback credit card :

• No Annual Fee: Enjoy an AED 0 annual fee for the first year. From the second year onward, the annual fee is waived if you reach a minimum spend of AED 9,000 (otherwise, AED 300 applies).
• Clear, Simple & Easy: No minimum spend requirement, no retail purchases excluded, and no caps, all within your monthly credit limit.
• Unlimited Global Airport Lounge Access: Benefit from unlimited access to over 1,100 airport lounges worldwide through the Mastercard Travel Pass app.
• Airport Transfers: Receive 2 complimentary airport rides per year, each valued at up to AED 44, using the code “MAUAE2” on the Careem app.
• Exclusive Citi Promotions: Access exclusive benefits and offers with the Citi Cash Back Card, including Mastercard’s premium privileges spanning lifestyle, travel, and more.

Eligibility and Requirements:

• Age: Must be 21 years old or above.
• Minimum Monthly Income: AED 8,000.
• Required Documents:
  • Valid Emirates ID
  • Passport
  • Valid UAE Visa Copy

Note: Both the Salary Account IBAN number and Passport number are essential during the application process.

How to Apply:

• Step 1. Visit Citibank UAE Website: Navigate to the Citibank UAE official website and locate the Citi Cash Back Card section. Click on “Apply Now” to initiate the application process.
• Step 2. Complete Application Form: Fill in the application form with accurate details, including your full name, contact information, and the required income details. Ensure all information provided is correct.
• Step 3. Document Upload (if necessary): If the application requires supporting documents, such as ID or income proof, upload them securely as per the provided guidelines.
• Step 4. Consent Declaration: Sign the consent declaration affirming that the information provided is accurate and complete.
• Step 5. Review Application: Carefully review the entire application to ensure accuracy and completeness. Correct any errors if identified.
• Step 6. Submit Application: Submit the application online. Your application will be processed, and you will receive confirmation of submission.
• Callback Request (Optional): Alternatively, if you prefer assistance, you can submit a callback request. A Citibank representative will contact you to provide guidance on the application process.

RAKBANK Titanium Credit Card

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The RAKBANK Titanium Credit Card is your ultimate cashback card, offering up to 5% cashback on supermarkets, worldwide dining savings, and up to 50% cashback on entertainment. Additionally, enjoy a standard 2% cashback on all your global spending, making it a permanent feature of this card.

The cashback system is designed for maximum value, with tiered rates based on your monthly domestic and international spend. The maximum monthly cashback cap is AED 1,500, ensuring great rewards on your spending.

Request cashback anytime—credited directly to your account or deducted from your outstanding balance with no paperwork required. However, the minimum redemption amount is AED 500, and cashback excludes certain transactions, including balance transfers, cash advances, and utility bill payments via the bank’s channels.

Your monthly statement reflects the cashback earned, maintaining the convenience and simplicity of the Titanium Credit Card’s rewarding system.

Additional Benefits:

• Up to 5% cashback at supermarkets
• Up to 5% cashback on dining 
• Up to 50% cashback at cinemas 
• Up to 50% cashback on video streaming spends 
• 2% standard cashback on all spending worldwide 
• 0% processing fee Easy Payment Plans for school fee payments 
• Exclusive Hotel Offers 
• Exclusive Car Rental Perks 
• Airport Lounge Access

Eligibility:

• Minimum monthly salary of AED 8,000
• The age should be 21 years.
• Should be a citizen or resident of the UAE.

Note: The Titanium Credit Card offers no annual fee and a monthly financing charge of 3.65%. For more detailed information about fees and charges, please consult the Service and Price Guide provided.

How to Apply:

• RAKBANK Mobile App- Download the RAKBANK App and apply instantly by following the prompts and inputting all the necessary information.

Scan this QR code to download from Google Play Store

Scan this QR code to download from Apple Store

CBD Super Saver Credit Card

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CBD’s Super Saver credit card goes beyond the basics, offering some cool perks and financial flexibility. Need to transfer your balance? Enjoy Balance Transfer plans from 3 to 36 months. An exclusive 0% interest offer is available for new credit card customers for 6- and 12-month plans if applied within 30 days of card issuance. A one-time processing fee of 1.99% for 6 months and 4% for 12 months applies.

Running low on cash? Use Cash on Call to get up to 90% of your credit limit transferred to your account and repay in easy monthly installments. A 0% interest offer is available for new credit card customers for 6- and 12-month plans within 30 days of card issuance. A one-time processing fee of 1.99% for 6 months and 4% for 12 months applies.

For big purchases, convert them into an Easy Installment Plan for up to 12 months at attractive rates.

Enjoy the first year with no annual fee!

Additional Benefits

• Complimentary valet parking service
• Complimentary golf rounds
• Multi-trip travel insurance covering up to USD 500,000
• Purchase protection against theft or accidental damage

Visa Benefits

• Global Airport Lounge Access – 8 complimentary visits per year at over 1,000 Airport Lounges worldwide for primary and supplementary cardholders.
• 1st visit is complimentary; subsequent visits require a minimum international spend of USD 1 using the CBD Super Saver Credit Card.
• Exceeding the complimentary visits incurs a USD 32 charge.

Eligibility Criteria

• UAE Nationals: Aged 21 – 65 years (at card expiry date)
• UAE Residents: Aged 21 – 63 years (at card issuance date)
• Minimum Salary Requirement: AED 5,000 per month (confirmed salaried individuals)

Required Documents

For Salaried Individuals

• National ID or Valid Passport, Residence Visa, and Emirates ID
• Salary Certificate

For Self-Employed Individuals

• National ID or Valid Passport, Residence Visa, and Emirates ID
• Valid Trade License

How to Apply

• Step1. Download CBD App:
  • Visit your device’s app store (Google Play for Android or the App Store for iOS).
  • Search for “CBD App” and download the official app provided by Commercial Bank of Dubai.

• Step 2. Install and Open:
  • Once the app is downloaded, install it on your device.
  • Open the CBD App by tapping on its icon.

• Step 3. Application Initiation:
  • Look for the “Apply Now” or similar option within the app’s interface.
  • Click on the relevant link to initiate the credit card application process.

• Step 4. Provide Information:
  • Fill in the required details accurately as prompted by the application form.
  • This typically includes personal information, contact details, and any other necessary details as per the application requirements.

• Step 5. Upload Documents:
  • If prompted, upload any necessary documents directly through the app.
  • Ensure that the documents provided are clear and meet the specified requirements.
    
• Step 6. Submit Application:
  • Review the information entered to ensure accuracy.
  • Once satisfied, submit the application through the app.
    
• Step 7. Confirmation:
  • Await confirmation of your application status.
  • You may receive updates through the app, email, or SMS regarding the progress of your application.
    
• Step 8. Application Status Check:
  • Monitor your application status within the CBD App.
  • You may receive further instructions or notifications through the app.

Abu Dhabi Commercial Bank ADCB 365 Cashback Credit Card

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Here’s the lowdown on how to score those awesome cashback perks with the ADCB 365 Cashback Credit Card. Just toss in a minimum of AED 5,000 each month, and you’re good to go – but keep in mind, they cap it at AED 1,000. If you splash out AED 5,000 in the first 45 days, you pocket a welcome bonus of AED 365. This cool bonus transforms into cashback magic within 90 days of getting your paws on the card, as long as you hit that spending target.

Now, rolling into year two, there’s a little thing to note – an annual fee of AED 383.25 (including VAT) shows up for the primary credit card.  But here’s where it gets exciting – movies and snacks! Flash your ADCB 365 Cashback Credit Card at VOX Cinemas for some epic extras. Immerse yourself in the latest movies, from IMAX to the classic Standard, and grab a rad buy-one-get-one-free deal.

 And for a blockbuster snack upgrade, whip out your ADCB card – the one that snags you a Buy 1 Get 1 free movie ticket – and indulge in a supersized combo of popcorn and a soft drink at VOX Cinemas‘ candy bar. Beyond the cinema buzz, this card lets you globe-trot and save. Save up to 12% on over 985,000 hotels and vacation spots worldwide with Agoda.

Additional Benefits:

• Mobile and Digital Wallets: Smooth and tailored payment options designed to fit your lifestyle.
• Credit Shield: Get complimentary life cover for an extra layer of security.
• Card Control: Take the reins and have complete control over all your card transactions.
• School Fee Payments: Convert those school fees into a stress-free 0% Interest Payment Plan.
• FlexiPay: Conveniently settle balances with easy monthly payments.
• Balance Transfer: Shift outstanding balances from other bank credit cards with a breeze.
• Credit Card Loan: Enjoy a zero-interest rate and repay effortlessly with instalments spread over up to 12 months.
• Instalments Payment Plans: Explore more at offers.adcb.com or a detailed list of participating partners.

How to Apply?

• Apply Online
  • Visit the online application portal here.
  • Fill in the required personal details.

• Request Callback
  • If you are an existing ADCB customer, select “Yes.” Otherwise, select “No.
  • Enter your Customer ID and other necessary details. You can check the portal here.

• Contact Centre
  • Call the 24-hour contact centre at 600 50 2030.
  • Speak with a customer service representative to inquire about the ADCB Cashback Credit Card.
  • Express your interest in applying for the card.
  • Provide any required information as guided by the representative.

• Apply through SMS
  • Open the messaging app on your mobile phone.
  • Type  ‘365’ as the message and send it to 2626
  • Send the SMS to 2626 from your registered mobile number.

• Visit them personally
  • If you prefer face-to-face assistance, locate the nearest ADCB branch.
  • Inform the staff that you are interested in applying for the ADCB Cashback Credit Card.
  • The ADCB staff will guide you through the application process.

FAQs

Is Cashback Worth it Credit Card?

Yes, cashback credit cards can be worth it for many individuals. These cards offer a percentage of your spending back to you, providing a direct monetary benefit. However, the value depends on your spending habits and the specific terms of the card. If you use the card responsibly and the rewards align with your lifestyle, a cashback credit card can be a valuable financial tool.

Can I use an international credit card in Dubai?

Many establishments in Dubai accept major international credit cards, including those issued in India. However, it’s always a good idea to inform your bank of your travel plans to ensure that your card will work seamlessly and to inquire about any potential foreign transaction fees.

What are the downsides of using a cashback card?

While cashback rewards offer flexibility, certain redemption options, such as reserving first-class flights and upscale hotels, may provide higher value compared to cash-back rewards. Another potential drawback is the presence of foreign transaction fees, which are more commonly associated with cash-back cards than travel rewards cards.

Is cashback more advantageous than interest?

For individuals who consistently settle their monthly balances and anticipate frequent credit card usage, a cashback credit card can be a suitable choice. However, if you typically maintain a balance, the accrued interest charges and fees might outweigh the savings gained from the cashback.