Cashback Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 2.8/590% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Explore all Al Hilal Bank cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Only two selected categories accelerate; their rate depends on total monthly spend. Government spending and utility payments made through the Al Hilal app earn zero. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 0
- Bank FX charge
- 3.14%; scheme fees may apply
- Monthly profit rate
- 3.69%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Annual fee is free in the September 2026 VAT-inclusive schedule.
Cashback or points earning rules, thresholds and caps
Choose two categories. Their cashback is 1% through AED 3,000 total monthly spend, 3% at AED 3,000.01–8,000, and 5% above AED 8,000. Category cap AED 250; total monthly cap AED 500. Other eligible purchases and EEA spending earn 1%.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: AED 500. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
First-year AED value and conditional welcome offers
The benchmark produces AED 1,200 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.
Only two selected categories accelerate; their rate depends on total monthly spend. Government spending and utility payments made through the Al Hilal app earn zero.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
Cashback Credit Card
Dirham Score 2.8/590% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Annual fee is free in the September 2026 VAT-inclusive schedule.
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,200
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 1,200
Only two selected categories accelerate; their rate depends on total monthly spend. Government spending and utility payments made through the Al Hilal app earn zero.
Calculation assumptionsRewards, fees & important conditions
Read the full Cashback Credit Card review and fee maths
Choose two categories. Their cashback is 1% through AED 3,000 total monthly spend, 3% at AED 3,000.01–8,000, and 5% above AED 8,000. Category cap AED 250; total monthly cap AED 500. Other eligible purchases and EEA spending earn 1%.
No cinema benefit verified. · 25+ regional airport lounges advertised; current entry rules apply.
Monthly profit rate: 3.69%. Bank FX charge: 3.14%.
Only two selected categories accelerate; their rate depends on total monthly spend. Government spending and utility payments made through the Al Hilal app earn zero.
Cashback remains on the bank’s public product page with application channels.
Etihad Guest and World products are in the legacy-cards section; the migration page says the Etihad card deactivates after activating its replacement World card. Do not add Etihad as a current new application.
A product salary floor was not verified from the primary sources read.
Official bank source · checked 2026-10-22Official bank terms, tariff or rewards information
Official bank terms, tariff or rewards information
Exact official bank card artwork; proportional WebP display copy. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: 25+ regional airport lounges advertised; current entry rules apply.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Cashback remains on the bank’s public product page with application channels.
- Etihad Guest and World products are in the legacy-cards section; the migration page says the Etihad card deactivates after activating its replacement World card. Do not add Etihad as a current new application.
- A product salary floor was not verified from the primary sources read.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
ADIB Cashback Visa Covered Card
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Compare Cashback Credit Card with ADIB Cashback Visa Covered CardAmerican Express Gold Credit Card — Moneyback
American Express UAE · minimum salary Confirm with bank
Compare Cashback Credit Card with American Express Gold Credit Card — MoneybackMashreq Al Islami Platinum Elite Credit Card
Mashreq · minimum salary Confirm with bank
Compare Cashback Credit Card with Mashreq Al Islami Platinum Elite Credit CardOfficial bank sources and application information
- Cashback Credit Card official product terms
- Al Hilal Bank: Official product page
- Al Hilal Bank: Official bank terms, tariff or rewards information
- Al Hilal Bank: Official bank terms, tariff or rewards information
- Cashback Credit 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.