Compare cashback caps and category restrictions — many cards limit cashback to specific merchants or impose a monthly maximum that makes the headline rate misleading for high spenders.
20 live cashback credit cards offers tracked across 15 UAE providers, with annual fees from AED 0. Data current as of 1 November 2026 and updated daily from the Giraffy database.
20 live offers compared from 15 providers, from AED 300. Updated daily.
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AED 300
AED 1575
AED 3120 /year
AED 3150 /year
Giraffy compares 20 cashback cards from 15 UAE banks. The FAB Cashback Credit Card pays 5% on supermarket, fashion and dining (capped at AED 150 a month per category), 3% on non-AED spend and 1% on everything else, for AED 300 a year and a AED 5,000 minimum salary. ADCB 365 Cashback is free in the first year (AED 383.25 after), pays capped cashback of up to 6% and a AED 365 welcome bonus when you spend AED 5,000 in 45 days.
For travel, the ADCB Traveller Credit Card (AED 1,575 a year, AED 20,000 salary) charges 0% on international transactions and includes travel insurance and lounge access. Finance charges are monthly — 3.69% on ADCB cards, 3.99% on FAB. Tip: work out your cashback after the monthly caps and subtract the annual fee. See also all credit cards and airline miles cards.
Cashback credit cards return a percentage of your spending as cash or statement credits. They’re simple, flexible, and perfect for those who want straightforward rewards.
Managing Your Cashback Card
A cashback credit card in the UAE can help you stretch your dirhams further, making everyday expenses more rewarding. Compare options, pick one that suits your spending habits, and start earning on every purchase.
Giraffy compares 20 cashback cards from 15 UAE banks. The FAB Cashback Credit Card pays 5% on supermarket, fashion and dining (capped at AED 150 a month per category), 3% on non-AED spend and 1% on everything else, for a AED 300 annual fee. The ADCB 365 Cashback card is free in the first year, then AED 383.25, with capped cashback rates of up to 6%.
The ADCB 365 Cashback card has no annual fee in the first year (AED 383.25 thereafter) and a AED 365 welcome bonus when you spend AED 5,000 within 45 days. The listed minimum salary is AED 8,000 a month.
Listed minimum monthly salaries are AED 5,000 for the FAB Cashback Credit Card, AED 8,000 for ADCB 365 Cashback and AED 20,000 for the ADCB Traveller Credit Card.
The ADCB Traveller Credit Card (AED 1,575 a year) charges 0% on international transactions and includes travel insurance, lounge access through Mastercard Travel Pass, Avis car rental benefits and a AED 2,000 Hotels.com voucher when you spend AED 15,000 within 60 days. FAB Cashback pays 3% on foreign-currency spend but lists a 2.61% international transaction fee.
Add up your monthly spend per category (groceries, dining, travel), apply each card's monthly cap, then subtract the annual fee. Finance charges are monthly — 3.69% on the ADCB cards and 3.99% on FAB — so if you carry a balance the interest wipes out any cashback.