Spending more money is not always negative. Sometimes, it can help you a lot. This is the benefit of having a credit card with cashback features. It repurchases a certain percentage of users’ purchase money in cash. The amount of cashback depends on the type of purchase and minimum consumption requirements. There are various cashback cards in the UAE.
1- FAB Abu Dhabi Platinum Credit Card
FAB Abu Dhabi Platinum Credit Card comes with many amazing offers, discounts and free offers. This card adds some luxury to your life by offering generous discounts and a refund. Cardholders are entitled to receive AED 15 and AED 20 movie tickets on working days and weekends, respectively.
- No annual fee for the first year and from that onwards the fee is up to AED 550
- you get 10% cashback on shopping from all online stores
- Profit rate is 3.5%
2- Citibank Citi Cashback Credit Card
With Citibank Citi Cashback, your shopping experience will be unprecedented. The card offers cashback and discounts and malleable services, making it one of the best cards in this category. The card can provide guaranteed cash back for various purchases including international shopping.
- Refund for all international purchases is 3%, purchases at grocery stores and supermarkets – 2%, and other expenses – 1%.
- The annual fee is zero in the first year, and the annual fee is waived in the second year, equivalent to 9000 dirhams, otherwise 300 dirhams will be paid.
- Profit rate is 3.25%
3- Emirates Islamic Cashback Card
This is an Islamic card. You need a monthly salary of at least AED 5,000 to use this card. The repayment period is 55 days, and the minimum monthly repayment amount is 5% of the outstanding amount. This card is free for life and is based on an annual AED 5000 expenditure. If this expenditure requirement is not met, an annual fee of 350 AED will be charged.
The foreign exchange rate applicable to foreign operations is 2.34%. Etisalat can get 10% cashback and the maximum consumption is AED 1,000. Electronic products can get 5% cashback, and all other expenses can get 1% cashback. The balance transfer tool can be used for 6 months at a price of 0%, and a handling fee of 2% is charged. A minimum payment of 5% is required every month.
4- HSBC Cashback Credit Card
In this credit card you get 10% cash back on all fuel expenses in the UAE and 3% cash back on all supermarket spending in the UAE and 1% of all other expenses. No maximum total cashback restrictions. “Buy One Get One Free” movie ticket at VOX Cinemas in UAE. You get the HSBC Artist Mobile App, “I Love Meal” Plan, etc. The maximum cashback limit for each reporting period is AED 100 for fuel and AED 200 for supermarkets.
5- Mashreq Cashback Card
You need a monthly salary of at least AED 7,000 to use this card. Free for life Joining discount: unlimited double cashback for 3 months-unlimited; cashback for food and beverage consumption is 10%; cashback for international expenditure is 4%; cashback for domestic expenditure is 2% and 1.39% is the monthly balance transfer fee.
6- ADIB Cashback Visa Platinum Card
This is an Islamic card. For salary-adjusted clients, the minimum salary requirement is AED 10,000 per month. This requires bank approval. The profit rate starts from 2.99% of wage transfer and rises to 3.09%. Unlimited 1% cash back on all purchases. Up to 3% balance transfer fee or 200 dirhams; no profit for up to 12 months. Cash back will also be credited to the card every month. 1% cash back on purchase of all goods. There is no minimum expenditure and no maximum limit.
7- First Abu Dhabi Bank Cashback Credit Card
need a monthly salary of at least AED 5,000 to be eligible for this card.
The minimum payment is 5% or 100 AED, whichever is higher. The foreign exchange rate applicable to foreign operations is 2.05% + commission rate. The annual card fee is 315 dirhams. Your 5% cash back will also be calculated on a monthly basis and will be rewarded before the statement date as required. Transfer balance, fixed at 0.79% per month.
8- Noor Bank Rewards Card – Platinum
is an Islamic card. You need a monthly salary of at least 20,000 dirhams to use
this card. The repayment period of 21 days from the date of the statement. 3%
of the minimum payment.
The foreign exchange rate applicable to foreign operations is 2.5%. The points can be exchanged for cash back and vouchers donated by Sharaf DG, Joyalukkas, Jacky’s retailer and Jacky’s Electronics, and Awqaf and Minor Affairs (AMAF). There are no mileage plans on this card. Local spending earns 1.25% cashback, international spending earns 2% cashback.
9- ADIB Cashback Gold Card
This is an Islamic card. For salary-adjusted clients, the minimum salary requirement is AED 5,000 per month. This requires bank approval. The profit rate starts from 2.99% of wage transfer and rises to 3.09%. After the first year, the annual fee is 500 dirhams. Unlimited 1% cash back on all retail purchases. There are no mileage plans on this card. Up to 3% balance transfer fee or 200 dirhams; no profit for up to 12 months. 1% cashback on the purchase of all goods. There is no minimum expenditure and no maximum limit. Cash back will also be recognized to the card every month.
10- RAKBANK Visa Credit Card
You need a minimum monthly salary of AED 7,500 to be eligible for this card. The interest rate on the unpaid balance is 3.45% per month. The foreign currency exchange rate applicable to overseas transactions in non-AED currencies is 2%. Transaction fee is 2.5% of AED currency there is no annual fee for this card. All international retail, international cash advances and cash rebates on Internet transactions are up to 5%. If your consumption exceeds AED 1000, you can enjoy 1% cash back on all domestic retail purchases. There are no mileage plans on this card. Get up to 1% cash back in all international retail including Internet transactions and cash advances. 1% cash rebate on total domestic retail purchases per month, but the minimum monthly retail consumption is AED 1,000