Consumer Cashback Reward Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.
Dirham Score 2.9/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published salary criteria
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 3.7%; scheme charges may apply
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 210
- Bank FX charge
- 3.7%; scheme fees may apply
- Monthly profit rate
- up to 3.69%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Cashback or points earning rules, thresholds and caps
3% on eligible UAE groceries, school fees, fuel and selected bills with individual caps; AED 3,000 monthly retail minimum. No cashback on general retail or non-UAE transactions is assumed.
Monthly spend gate: AED 3,000. Monthly reward cap: AED 1,000. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 3 % cashback | AED 200 | 0 |
| School Fees | 3 % cashback | AED 200 | 0 |
| Fuel | 3 % cashback | AED 100 | 0 |
| Utilities | 3 % cashback | AED 100 | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED 2,160 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.
Direct merchant utility payments are assumed; bank-channel bill payments, telecom and auto-service extras are not separately modelled. Announced lower caps are applied conservatively.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
Consumer Cashback Reward Card
Dirham Score 2.9/5100% data coverage · editorial methodHow this score works
- + Cashback rewards
- + Published salary criteria
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 3.7%; scheme charges may apply
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 2,160
Fee waiver+ AED 210
Joining-fee refund+ AED 0
Annual fee− AED 210
Actual modelled netAED 2,160
Direct merchant utility payments are assumed; bank-channel bill payments, telecom and auto-service extras are not separately modelled. Announced lower caps are applied conservatively.
Calculation assumptionsRewards, fees & important conditions
3% on eligible UAE groceries, school fees, fuel and selected bills with individual caps; AED 3,000 monthly retail minimum. No cashback on general retail or non-UAE transactions is assumed.
No cinema benefit verified. · Not verified; confirm current benefit eligibility with DIB.
Monthly profit rate: up to 3.69%. Bank FX charge: 3.7%.
First-year annual-fee waiver is advertised as a limited offer without a stated deadline. Confirm availability at approval.
Direct merchant utility payments are assumed; bank-channel bill payments, telecom and auto-service extras are not separately modelled. Announced lower caps are applied conservatively.
Monthly retail purchases of AED 3,000 within a statement cycle are required for cashback.
Grocery and school caps effective 10 October 2026 are AED 200 per category monthly; fuel and utilities each cap at AED 100. Combined cap AED 1,000 per billing cycle.
Cashback is applicable only to UAE transactions. Utility and government bills paid through DIB platforms do not earn cashback; merchant classification and non-cash/personal-use rules apply.
Annual fee includes VAT: AED 210; up to 3.69% monthly Salam rate. Current fee schedule effective 12 October 2026 lists non-AED international usage 3.70%, overseas AED3.14%.
Current product page advertises a limited first-year fee waiver without dates. Confirm approved-card eligibility; do not interpret it as a permanent waiver.
Official bank source · checked 2026-10-18Current official product and reward conditions
Current fees effective 12 October 2026
Official new covered-card key facts
Consumer Cashback is a family, not a single exact current product name. The old /consumer-card path redirects to this Reward product. Current official listing packshot, angled card perspective; small 248x190 source. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
First-year annual-fee waiverUndated limited offer on the current product page. Confirm it applies to your approved card.
No stated deadline
- Bank must approve the card under the advertised first-year waiver.
- Annual renewal fee remains payable in later years.
Qualifying extra bonus in this forecast: AED 0.
Official offer termsLounge, cinema, valet and golf conditions
- Airport lounges: Not verified; confirm current benefit eligibility with DIB.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Monthly retail purchases of AED 3,000 within a statement cycle are required for cashback.
- Grocery and school caps effective 10 October 2026 are AED 200 per category monthly; fuel and utilities each cap at AED 100. Combined cap AED 1,000 per billing cycle.
- Cashback is applicable only to UAE transactions. Utility and government bills paid through DIB platforms do not earn cashback; merchant classification and non-cash/personal-use rules apply.
- Annual fee includes VAT: AED 210; up to 3.69% monthly Salam rate. Current fee schedule effective 12 October 2026 lists non-AED international usage 3.70%, overseas AED3.14%.
- Current product page advertises a limited first-year fee waiver without dates. Confirm approved-card eligibility; do not interpret it as a permanent waiver.
Official bank sources and application information
- Consumer Cashback Reward Card official product terms
- DIB: Current official product and reward conditions
- DIB: Current fees effective 12 October 2026
- DIB: Official new covered-card key facts
- Consumer Cashback Reward Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.