Frugal Living Pro is an independent credit card comparison platform. We may earn a commission when you click through.
Choosing the Best Cashback Credit Card for UAE Residents
Compare top options for saving on everyday spending in the UAE
High Dining Rewards
Top pick: ADIB Covered Card for its Sharia-compliant cashback benefits.
ADIB Covered Card
What sets this card apart is its Sharia-compliant structure, appealing to those who prioritize Islamic banking principles. The up to 5% cashback on dining is impressive, especially for frequent diners. However, the annual fee after the first year and the requirement to be an ADIB account holder are notable trade-offs.
That said, if your dining expenses aren't a major concern, consider options that reward broader spending categories.
Everyday Spending Options
For those whose expenses span a wider range of categories, these cards can offer substantial savings.
Islamic Credit Card from Dubai Islamic Bank
You'd pick this if your spending is concentrated in everyday UAE categories like groceries, bills, and fuel. The card offers up to 3% cashback but requires a minimum monthly spend of AED 3,000 to qualify, which could be a hurdle for some.
بنك المشرق بطاقة كاش باك
Worth considering because it offers no annual fee and up to 5% cashback on dining, both locally and internationally. However, many categories earn significantly less cashback, and the welcome bonus is more favorable to new customers.
While dining rewards are enticing, don't overlook the importance of a card that aligns with your overall spending habits. A card that covers a broader range of expenses might provide more consistent savings.
Conclusion
Choosing the right credit card depends on your spending patterns and financial priorities. For those focused on dining, the ADIB Covered Card offers excellent benefits. Meanwhile, if your expenses are more varied, the Mashreq Cashback Credit Card might be the better fit. Remember to factor in annual fees and spending requirements when making your decision.