Best Cashback Credit Cards in the UAE (2026): Top Picks for Everyday Spending, Fuel, Dining and Travel
By Chris
Cashback credit cards can help you save money on everyday expenses such as groceries, fuel, dining, utility bills and online shopping. Many premium cards also include travel perks like complimentary airport lounge access, travel insurance and valet parking.
Choosing the right card depends on your monthly spending habits, annual fee, salary eligibility and cashback limits. Here are some of the best cashback credit cards currently available in the UAE.
**ADCB 365 Cashback Credit Card**
One of the most popular all-round cashback cards in the UAE, the ADCB 365 Cashback Credit Card rewards everyday spending across multiple categories.
**Cashback**
- Up to 6% on dining - Up to 5% on groceries - Up to 3% on fuel, telecom, utilities and Salik - 1% on other eligible retail spending
**Airport lounge access**
Eligible premium card variants include complimentary airport lounge access through Visa or Mastercard programmes.
**Best for:** Families and people looking for a single card for everyday expenses.
**Emirates Islamic Switch Cashback Credit Card**
The Emirates Islamic Switch Cashback Card allows customers to switch between **Lifestyle Mode** and **Travel Mode**, depending on where they spend the most each month.
**Cashback**
**Lifestyle Mode**
- Up to 8% on fuel - Up to 4% on supermarkets - Up to 4% on dining - Up to 4% on education
**Travel Mode**
- Up to 4% on airline bookings - Up to 4% on hotels - Up to 4% on dining while travelling - 1% on other eligible spending
**Airport lounge access**
Cardholders receive:
- Unlimited airport lounge access - Complimentary airport meet-and-greet service - Travel Takaful benefits - Golf privileges - Valet parking (subject to spending conditions)
**Best for:** Frequent travellers who want cashback and premium travel benefits.
**ADIB Cashback Visa Card**
The ADIB Cashback Visa Card focuses on essential household expenses.
**Cashback**
- Up to 4% on supermarkets - Up to 4% on fuel - Up to 4% on education - Up to 4% on dining - Up to 4% on utility payments
**Airport lounge access**
Eligible Gold and Platinum cardholders receive complimentary airport lounge access through Visa Airport Companion.
**Best for:** Families paying regular monthly bills.
**Sharjah Islamic Bank Cashback Credit Card**
The Sharjah Islamic Bank Cashback Card has become one of the most recommended cashback cards among UAE consumers due to its generous cashback rates and competitive fees.
**Cashback**
- Up to 10% cashback on selected categories - Cashback on online shopping - Cashback on supermarkets - Cashback on dining - Cashback on retail purchases
**Airport lounge access**
Eligible cardholders receive complimentary airport lounge access through Mastercard Travel Pass or Visa Airport Companion, depending on the card variant.
**Best for:** Customers looking for high cashback with low annual costs.
**HSBC Live+ Credit Card**
HSBC Live+ is ideal for customers who frequently dine out or spend heavily on fuel.
**Cashback**
- Up to 6% on dining - Up to 5% on fuel - Up to 2% on supermarkets - 0.5% on other eligible spending
**Airport lounge access**
Selected card variants include complimentary airport lounge access.
**Best for:** Dining and fuel spending.
**FAB Cashback World Credit Card**
The FAB Cashback World Credit Card rewards shopping, groceries and overseas purchases.
**Cashback**
- Up to 5% on supermarkets - Up to 5% on dining - Up to 5% on fashion - Up to 3% on foreign currency spending
**Airport lounge access**
Complimentary airport lounge access is available through eligible World Mastercard benefits.
**Best for:** Shopping and household expenses.
**Citi Cashback Credit Card**
The Citi Cashback Card is particularly useful for people who travel or shop internationally.
**Cashback**
- Up to 3% on international spending - Up to 2% on groceries - Up to 1% on all other eligible purchases
**Airport lounge access**
Eligible cardholders receive complimentary airport lounge access through Mastercard Travel Pass.
**Best for:** International travellers and overseas shopping.
**Liv. Cashback+ Credit Card**
Liv. Cashback+ offers flexibility for customers who prefer digital banking.
**Cashback**
- Up to 4% cashback - Monthly cashback limit of up to AED 1,500
**Airport lounge access**
Selected card variants include complimentary airport lounge access.
**Best for:** Customers who manage most of their banking digitally.
**FAB ADNOC Rewards Credit Card**
Designed for motorists, this card offers strong rewards on fuel and transport-related spending.
**Cashback and rewards**
- Up to 15% rewards at ADNOC stations - Rewards on Salik - Rewards on groceries - Additional ADNOC loyalty benefits
**Airport lounge access**
Eligible World Mastercard cardholders receive complimentary airport lounge access.
**Best for:** Drivers and regular ADNOC customers.
**FAB GEMS World Credit Card**
A specialised card for families with children studying in GEMS schools.
**Cashback**
- Up to 10% cashback on eligible school-related expenses - Rewards on tuition fees - Cashback on uniforms, transport and canteen spending
**Airport lounge access**
Eligible World Mastercard benefits include complimentary airport lounge access.
**Best for:** Parents with school-going children.
**Things to consider before applying**
Before choosing a cashback credit card, compare:
- Annual fee - Minimum salary requirement - Cashback limits - Eligible spending categories - Excluded merchant categories - Airport lounge access eligibility - Foreign transaction charges - Welcome offers - Travel benefits - Valet parking benefits
Remember that some airport lounge programmes require card activation, minimum annual spending or at least one international transaction before lounge access becomes available.
**Which cashback credit card should you choose?**
If you want a strong all-round cashback card, the **ADCB 365 Cashback Credit Card** is among the best choices.
If you travel frequently, the **Emirates Islamic Switch Cashback Credit Card** stands out thanks to its unlimited airport lounge access, travel benefits and flexible cashback categories.
For households with regular utility bills and grocery spending, the **ADIB Cashback Visa Card** is worth considering.
Drivers may benefit most from the **FAB ADNOC Rewards Credit Card**, while parents paying school fees should look at the **FAB GEMS World Credit Card**.
Customers looking for high cashback with relatively low ownership costs often consider the **Sharjah Islamic Bank Cashback Credit Card**.
**Why this matters**
Using the right cashback credit card can significantly reduce your monthly expenses while providing additional travel benefits such as airport lounge access and travel insurance.
However, cashback is only valuable if you pay your outstanding balance in full every month. Carrying unpaid balances may result in interest charges that outweigh the rewards earned.
**FAQs**
**Which cashback credit card is best overall in the UAE?**
The ADCB 365 Cashback Credit Card is widely regarded as one of the strongest all-round cashback cards for everyday spending.
**Which cashback card offers unlimited airport lounge access?**
The Emirates Islamic Switch Cashback Credit Card offers unlimited airport lounge access, along with several premium travel benefits.
**Which cashback credit card is best for fuel?**
The FAB ADNOC Rewards Credit Card, Emirates Islamic Switch Cashback Card and HSBC Live+ Credit Card are among the strongest choices for fuel spending.
**Which cashback card is best for groceries?**
The ADCB 365 Cashback Credit Card, FAB Cashback World Credit Card and ADIB Cashback Visa Card all offer competitive cashback on supermarket purchases.
**Do all cashback credit cards include airport lounge access?**
No. Airport lounge access depends on the specific card type and issuer. Some entry-level cashback cards do not include lounge access, while premium Visa Signature, Visa Infinite and World Mastercard variants generally do.
**Is airport lounge access completely free?**
Most eligible cards provide complimentary access, but certain programmes may require card activation, a minimum annual spend or at least one international transaction to keep the benefit active.
**Source Credits**
Information source/resource owners: Emirates Islamic, Abu Dhabi Commercial Bank (ADCB), Abu Dhabi Islamic Bank (ADIB), Sharjah Islamic Bank, First Abu Dhabi Bank (FAB), HSBC UAE, Citibank UAE, Liv., Visa, Mastercard and official bank product pages.
**Image Credits**
Image sources are combined from AI-generated visuals and other platforms. If any owner wants to be mentioned or any content needs to be changed, please email us at [**concerns@whatmatters.ae**](mailto:concerns@whatmatters.ae).