Best Cashback Credit Cards in the UAE: Verified Net AED Returns

Regular welcome offer

Qualifying welcome value: AED 365. Requires AED 5,000 spend within 45 days.

Fees, rewards & eligibility

Read the full ADCB 365 Cashback Credit Card review and fee maths

3% domestic groceries, 6% domestic dining, 5% fuel/Salik and eligible direct digital/AI subscriptions; 0.5% selected categories/EU retail, 1% other eligible retail. AED 5,000 monthly minimum; AED 1,000 cap.

VOX Buy 1 Get 1: up to four complimentary tickets per month per card; book the same screening on VOX website/app; eligible formats vary. · No complimentary access verified

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

Partial estimate: direct utility merchant assumed; school fees excluded conservatively. No separate subscription, Salik, EU geography or credit-limit inputs; merchant coding and assigned limit can reduce earnings.

AED 5,000 monthly retail threshold; AED 1,000 monthly cashback cap; earning spend is also limited to the assigned credit limit.

Model assumes direct utility-merchant payment at 0.5%. ADCB-channel bill payments are excluded; school fees remain excluded conservatively because the bank also lists education among selected 0.5% MCCs.

International estimate assumes eligible non-EU retail at 1%; EU retail earns 0.5%. Domestic category rates must not be applied indiscriminately to foreign transactions.

Direct eligible digital and AI subscriptions earn 5%; third-party/app-store billing does not qualify. The Islamic merchant list differs from the conventional list.

First-year annual fee waived; AED 383.25 including VAT from year two. AED 365 welcome cashback after AED 5,000 qualifying spend within 45 days; paid within 90 days, once per lifetime across 365 reissuance/conversion.

Official fees / key facts

Current product

Current schedule, September 2026

June 2026 eligibility guide

Supplemental terms; conventional June2026, Islamic link may retain older category table

VOX usage guide June2026

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Emirates NBD Duo Credit Cards review and fee maths

The product advertises no annual fees as an exclusive current offer. The generic August 2026 KFS lists AED 840 joining and renewal fees; confirm the offer-specific waiver in writing. A permanent free-for-life promise was not established.

0.05 Plus Points per AED on eligible groceries, electronics, education, utilities and fuel after AED 5,000 statement spend; otherwise 0.015. Other eligible retail earns 0.005 Plus Points per AED. Cap 500 Plus Points per statement.

Buy 1 Get 1 at Cine Royal Cinemas with Diners card; up to 3 free tickets monthly · Complimentary lounge access; check each card network

Monthly interest rate: 3.69%. Bank FX charge: 1.99%.

Cash redemption model uses AED 0.75 per Plus Point. Electronics-specific earning cannot be isolated in the generic shopping category; approved credit-limit and merchant classifications apply.

Package contains a Mastercard Platinum and a Diners Club card.

5% Plus Points requires AED 5,000 statement spend; otherwise selected categories earn 1.5% Plus Points. Total capped at 500 Plus Points per statement.

Cashback redemption is AED 0.75 per Plus Point, minimum 500 points and AED 375 card balance. Certain other redemption channels give AED 1 per point.

Diners Cine Royal offer: up to three free tickets monthly, eligible online/app bookings and minimum-spend conditions; AED 125 + VAT service fee may apply below the spend condition.

Golf is conditional: product page advertises access; processing AED 30 and no-show/under-spend charges apply. Confirm Diners versus Mastercard entitlement in the booking portal.

Valet parking and airport transfers discontinued 5 April 2025.

ENBD bank FX fee 1.99% is additional to approximately 1.15% scheme processing and any acquirer markup.

Credit card price guide (VAT inclusive)

Credit card KFS (August 2026)

Plus Points earning

Cashback redemption

Golf conditions

Official Duo artwork shows both the Mastercard and Diners Club cards. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full FAB Cashback Credit Card review and fee maths

5% on eligible domestic supermarkets, fashion and dining, each capped AED 150/month; 3% on eligible international spend; 1% other eligible retail and 0.15% selected MCCs. Cashback is processed through FAB Rewards.

Four AED 20 standard 2D tickets monthly at Reel, Cine Royal and Star Cinemas after AED 3,000 monthly spend; below-threshold discounts can be charged back. · Up to 8 annual visits for cardholder and 6 for guest; qualifying transaction and network conditions apply

Monthly interest rate: 3.99%. Bank FX charge: 2.7405%.

General shopping uses the base rate because fashion MCCs cannot be identified from the generic shopping input. Previous-calendar-month threshold, total cap and issuer-approved credit-limit restriction apply.

Published AED 300 annual fee is modelled as AED 315 including 5% VAT.

AED 3,000 spend in the preceding month unlocks rewards. A new card is modelled with no rewards in month one, then 11 qualifying months.

Groceries and dining each capped at AED 150 monthly; total cashback capped at AED 1,000 or rewards earned up to the credit limit.

Education and utilities are modelled at the published select-category rate of 0.15%; merchant classification and bank-channel exclusions apply. Fuel is modelled as other eligible retail at 1%.

Fashion also earns 5%, capped AED 150/month; generic Online Shopping input does not imply fashion eligibility.

Conventional FAB international transaction fee is up to 2.61% plus VAT and scheme charges; 2.7405% represents the bank fee after 5% VAT, excluding scheme charges. FAB Islamic publishes a separate VAT-inclusive schedule.

Current October 2026 terms confirm the preceding-calendar-month spend gate; international currency takes precedence over the domestic 5% category rate.

Credit card fees (July 2026)

Cashback terms (October 2026 version 2)

Cinema terms (May 2026)

Current original FAB Mastercard World artwork; transparent bank-hosted PNG downloaded unchanged on 18 October 2026. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full ADIB Cashback Visa Covered Card review and fee maths

No cinema benefit verified. · No complimentary access verified

Monthly profit rate: 3.75%. Bank FX charge: 2.415%.

Annual fee AED 99 plus 5% VAT = AED 103.95.

No minimum monthly retail spend is stated in the current Cashback Visa product page, comparison sheet or section 20 of covered-card terms. AED 5,000 in section 23 applies only to Spice.

Eligible MCCs, reversal and good-standing rules apply. Grocery, fuel/auto and education each cap at AED 300, dining AED 200 and utilities AED 100; overall AED 1,000 monthly.

Minimum salary and exact Visa tier are not published in checked current sources; the artwork does not say Platinum.

New covered cards issued from 15 February 2024 use the published 3.75% monthly profit rate. Legacy salary-transfer rows show different rates.

Non-AED service fee is 2.30% before VAT (2.415% including VAT), added to the Visa conversion rate and separate network fee; this is not an all-in FX cost.

Overseas AED transaction service fee is 2.75% before VAT from 10 September 2026, including the stated Visa component; separate conversion terms apply.

The product page uses Ijarah wording while its linked KFS describes commodity Murabaha/STI financing; request the applicable contract from ADIB.

Official product-specific reward terms

Official card key facts

Official card comparison

Official current card fees

Official notices

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 500 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 100. Amount/window must match digital application;60days in forecast is approximate.

Qualifying welcome value: AED 500. Requires AED 5,000 spend within 60 days.

Fees, rewards & eligibility

Read the full Mashreq Cashback Credit Card review and fee maths

50% off up to eight Deluxe-Plus Cinepolis tickets monthly at Oasis Mall, Sharjah through 31 December 2026. Website/app only; mobile wallets excluded. Separate from the paid-card VOX/Reel/Novo offer. · No complimentary access verified

Monthly interest rate: 3.85%. Bank FX charge: 2.89%.

AED 500 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 100. Amount/window must match digital application;60days in forecast is approximate.

September 2026 KFS publishes 46.20% annual retail interest; the published monthly example is 3.85%. Actual assigned rate appears on your statement. Bank FX spread is 2.89%, plus Visa/Mastercard charges; KFS labels FX VAT not applicable.

Welcome qualification uses the bank's first two months after issuance. The calculator uses a 60-day spend projection as an approximation; confirm the actual deadline during digital application.

Welcome amounts are standard new-credit-customer incentives. A Mashreq card held or cancelled in the previous six months makes you an existing customer. Do not count the same credit-card reward again as an Early Bird extra.

No spend minimum for regular cashback. Domestic selected services earn 0.15%, dining earns 5%, other eligible retail earns 1%. Bank-channel bills are excluded. Redemption minimum AED 100; 36-month expiry and 12-month inactivity forfeiture apply.

The introductory 20% merchant offer lasts the first four months, capped at AED 50 per merchant per month. Selected direct merchants only; Apple Pay, Google Pay and bank-channel payments excluded. Not assumed in forecast.

Current product

September2026 KFS

Current welcome terms

Cashback supplemental terms

20% merchant introductory offer

Cinepolis2026terms

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Wio Credit review and fee maths

No cinema benefit verified. · No complimentary access verified

Monthly interest rate: Confirm with bank. Bank FX charge: Confirm with bank.

Assumes the eligible Plus plan at AED 49/month. No deduction is made for My Money cashback already using the shared monthly cap. Salary or balance fee waivers, actual plan, merchant classification and approved limits can change the result.

The unsecured card minimum salary is AED 7,000. Salary-plan account eligibility is separate: generally AED 15,000, or AED 5,000 at partner companies.

Standard plan earns no cashback. Eligible credit purchases earn 2%; utility, government and real-estate payments earn 0.5%. The AED 2,500 monthly cap is shared with My Money account cashback. Cash equivalents, wallet funding and crypto are excluded.

The estimate includes Plus plan fees of AED 49/month including VAT. Plus fees are waived at AED 35,000 qualifying average balance; an eligible Salary plan is free. Neither waiver is automatically assumed.

The September tariff lists Plus rollover at 3.25% monthly and Salary at 2.29%, while Salary marketing says from 2.49%. The credit KFS directs customers to their individual in-app offer; no universal rate is asserted.

The August KFS separately describes a deposit-backed card with a limit up to 80% of the locked deposit. Its eligibility is separate from this unsecured card salary filter.

Exact credit-card FX pricing could not be isolated from debit-card pricing. Confirm the applicable credit transaction charges in the app.

Wio Personal Credit KFS version5, August2026

Wio September2026 schedule

Wio Salary plan: separate eligibility

Official Wio Card artwork; the same physical Mastercard supports debit and approved credit use. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

No separate regular welcome bonus is assumed. The dated 2026 acquisition campaign is shown separately.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full HSBC Live+ Credit Card review and fee maths

Buy 1 Get 1; AED 6,000 monthly spend required · 12 annual Visa Airport Companion visits for cardholders; make an international purchase equivalent to at least one US currency unit once per calendar year, at least 15 days before travel.

Monthly interest rate: 3.69%. Bank FX charge: 2.1%.

No separate regular welcome bonus is assumed. The dated 2026 acquisition campaign is shown separately.

Includes the AED 600 qualifying spend stage; wallet and supplementary-card actions remain excluded. Direct merchant school/utility payments earn 0.5%. All projected spend must be eligible retail within the assigned credit limit.

General income minimum AED 12,500; AED 5,000 is restricted to approved-company employees. Credit approval is separate.

AED 3,000 statement retail spend activates dining 6%, fuel 5%, supermarkets and entertainment 2%, each capped at AED 200 per category. Other eligible retail, including direct school and utility payments, earns 0.5%; below the threshold all eligible retail earns 0.5%.

Only eligible merchant retail is modelled; instalment plans, cash equivalents, bank fees, reversals and spend beyond the assigned credit limit are excluded. Entertainment is not a separate matcher input.

Cinema BOGO requires AED 6,000 in the booking month. Twelve annual Visa Airport Companion lounge visits require the stated international purchase and advance processing window.

Bank foreign currency processing is 2.1% including VAT. A separate scheme processing fee up to 1.21% including VAT can apply. Overseas AED processing is 1.05%; these are not all-in currency conversion costs.

Annual fee AED 313.95 including VAT; first-year waiver campaign requires approval by 31 December 2026. Later waiver requires AED 12,000 yearly spend.

Live+ category and direct-merchant terms

Current HSBC tariff, effective 6 October 2026

Official campaign terms

Official campaign terms

Official bank promotional artwork depicting this card. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 365. Requires AED 5,000 spend within 45 days.

Fees, rewards & eligibility

Read the full ADCB Islamic 365 Cashback Card review and fee maths

3% domestic groceries, 6% domestic dining, 5% fuel/Salik and eligible direct digital/AI subscriptions; 0.5% selected categories/EU retail, 1% other eligible retail. AED 5,000 monthly minimum; AED 1,000 cap.

VOX Buy 1 Get 1: up to four complimentary tickets per month per card; book the same screening on VOX website/app; eligible formats vary. · No complimentary access verified

Monthly profit rate: 3.69%. Bank FX charge: 2.99%.

Partial estimate: direct utility merchant assumed; school fees excluded conservatively. No separate subscription, Salik, EU geography or credit-limit inputs; merchant coding and assigned limit can reduce earnings.

AED 5,000 monthly retail threshold; AED 1,000 monthly cashback cap; earning spend is also limited to the assigned credit limit.

Model assumes direct utility-merchant payment at 0.5%. ADCB-channel bill payments are excluded; school fees remain excluded conservatively because the bank also lists education among selected 0.5% MCCs.

International estimate assumes eligible non-EU retail at 1%; EU retail earns 0.5%. Domestic category rates must not be applied indiscriminately to foreign transactions.

Direct eligible digital and AI subscriptions earn 5%; third-party/app-store billing does not qualify. The Islamic merchant list differs from the conventional list.

First-year annual fee waived; AED 383.25 including VAT from year two. AED 365 welcome cashback after AED 5,000 qualifying spend within 45 days; paid within 90 days, once per lifetime across 365 reissuance/conversion.

Islamic schedule specifically publishes 3.69% monthly profit for cards issued from 1 January 2023; older cards have a different rate. No conventional rate was substituted.

Current product

Current Islamic schedule, September 2026

June 2026 eligibility guide

Supplemental terms; conventional June2026, Islamic link may retain older category table

VOX usage guide June2026

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full FAB Cashback Islamic Credit Card review and fee maths

Issuer materials conflict: marketing says no minimum spend and different headline caps; detailed table and programme terms give AED 3,000 previous-calendar-month qualifying spend, AED 150/category and AED 1,000 total for expats (AED 200/category and AED 1,500 total for UAE nationals). Programme clauses 7 and 8 also contradict each other. Conservative expat schedule is used; confirm issued terms with FAB.

Detailed expat schedule: 5% groceries, fuel and dining, capped at AED 150 each; 3% foreign retail and 1% other eligible spend. Selected MCCs earn 0.15%.

No cinema benefit verified. · Mastercard World lounge benefit for cardholder and one guest; qualifying conditions apply.

Monthly profit rate: 3.99%. Bank FX charge: 2.61%.

Conservative detailed expat schedule and previous-calendar-month spend gate used while conflicting issuer copy remains. Visitor nationality, card-specific merchant classification and approved limit affect actual awards.

Conservative detailed expat schedule: 5% groceries/fuel/dining, each capped AED 150/month; 3% non-AED, 1% other eligible and 0.15% selected MCCs, AED 1,000 overall cap.

Detailed programme terms require AED 3,000 in the preceding calendar month; this model therefore assumes no rewards in the first calendar month. Marketing no-minimum-spend wording and clause 8 conflict and remain unresolved.

UAE-national detailed caps differ: AED 200 for each accelerated category and AED 1,500 overall.

Annual membership fee AED 300 excluding VAT = AED 315; retail profit rate up to 3.99% monthly.

The separate Islamic fee schedule states 2.61% international fee + 1.15% scheme charges and says fees inclusive of VAT unless otherwise specified; do not apply the conventional FAB extra-VAT fee assumption to this record.

Commodity Murabahah structure. Non-Shariah-compliant merchant types are blocked. Zero-profit instalment conversions and financial/fee transactions do not earn cashback.

Islamic fees (October 2025, currently linked)

Cashback Islamic programme terms

The official page browser title says Islamic Cashback Credit Card, while its visible H1 names the product FAB Cashback Islamic Credit Card. Use the H1 name. Bank artwork shows two overlapping cards with shadows and transparent surrounding space; the original composition is preserved. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Current linked campaign runs 1–31 October 2026, not September. AED 250 reward excluded from forecast because the public terms omit the numerical spend threshold.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Essential Cashback Credit Card review and fee maths

General eligible retail: 1.25% with AED 5,000 monthly spend, or 1% with AED 1,000–4,999; selected MCCs/EU retail 0.75%. School fees and ADCB bill channels excluded conservatively.

Buy 1 Get 1 at Reel Cinemas: up to two complimentary tickets per month, offer currently ends 31 December 2026. · Four visits per year to 25+ lounges through Mastercard Travel Pass; qualifying non-AED transaction conditions apply.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

Current linked campaign runs 1–31 October 2026, not September. AED 250 reward excluded from forecast because the public terms omit the numerical spend threshold.

Direct utility merchant assumed at 0.75%. Education/school ambiguity and assigned credit limit are limitations; unknown October acquisition threshold is excluded.

Free annual membership under the September 2026 VAT-inclusive schedule. Bank FX margin 2.99%; card-network conversion is separate.

AED 1,000 minimum monthly purchases to earn; general retail earns 1% below AED 5,000 and 1.25% from AED 5,000. Selected categories, including eligible direct utility merchants and EU merchants, earn 0.75%; cap AED 1,000 monthly, with earning spend limited to credit limit.

Bank-channel bills are excluded. School fees remain excluded conservatively; the guide also lists education MCCs at 0.75%, so check the specific payment.

International model assumes eligible non-EU other retail; EU merchant transactions earn 0.75%.

Official fees / key facts

Current product

VAT-inclusive schedule

Merchant guide

Current acquisition PDF (same May2025 URL, October2026 content)

June2026 supplemental terms

Official filename says 400x25; decoded dimensions are 400x250. Larger promotional image matches the red Essential front on the current product page; the current product page uses a 160x102 WebP. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 2,000 Expedia hotel voucher after annual-fee payment and AED 15,000 spend within 60 days. Restricted hotel voucher excluded from cash value.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Traveller Credit Card review and fee maths

1.5% on eligible domestic other retail; 10% eligible airline / hotel bookings. Other international retail earns no cashback. AED 5,000 monthly minimum and AED 1,500 cap apply.

50% cashback on eligible online movie-ticket purchases in AED; AED 5,000 monthly retail minimum and combined AED 1,500 monthly cashback cap apply. · 14 lounge visits per year with one guest through Mastercard Travel Pass; qualifying rules apply.

Monthly interest rate: 3.69%. Bank FX charge: 0%.

AED 2,000 Expedia hotel voucher after annual-fee payment and AED 15,000 spend within 60 days. Restricted hotel voucher excluded from cash value.

Direct domestic merchant retail is assumed at 1.5%; the bank can classify or exclude transactions. Airline, hotel and online-cinema spend is not assumed. Rewards are limited by assigned credit limit and AED 1,500 per month; no foreign general-retail cashback.

0% is the bank FX markup; approximately 1.15% network processing can remain.

Standard Aspire fee AED 1,575; Privilege / Excellency pricing is AED 787.50.

Current product and supplemental terms specify 1.5% on other domestic retail without a separate fuel, education or utility category exclusion. Model assumes direct domestic merchant purchases, net of nonqualifying transactions.

Golf requires AED 5,000 monthly spend, advance booking and availability.

International retail outside airline/hotel bookings earns no cashback. The 10% travel, 50% online cinema and restricted AED 2,000 Expedia hotel voucher are excluded unless suitable spend is supplied.

Official fees / key facts

Current product

VAT-inclusive schedule

Current linked Traveller supplemental terms effective2024-07-15

Use official spelling Traveller with double l. Transparent padding around a black, straight card front; Mastercard branding is visible. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 750 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 200. Amount/window must match digital application;60days in forecast is approximate.

Qualifying welcome value: AED 750. Requires AED 5,000 spend within 60 days.

Fees, rewards & eligibility

Read the full Platinum Plus Credit Card review and fee maths

10 Vantage points per AED on supermarket, fuel and dining; 2 on general retail and 0.5 on selected services.

50% off four tickets per billing cycle pooled across VOX, Reel and Novo via their websites/apps. Separate Cinepolis promotion: 50% off up to eight Deluxe-Plus tickets monthly at Oasis Mall, Sharjah through 31 December 2026. · Four complimentary lounge visits annually via LoungeKey, maximum two services per billing cycle after AED 7,000 retail purchases in the previous cycle. AED 110 per person per visit if the spend condition fails. Guest entitlement needs bank confirmation.

Monthly interest rate: 3.85%. Bank FX charge: 2.89%.

AED 750 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 200. Amount/window must match digital application;60days in forecast is approximate.

Verified cash redemption: 380 Mashreq Vantage points = AED 1 via Mashreq Mobile App. Vouchers and miles have different conversion values. Bill payments through Mashreq app/online do not earn. Merchant-specific perks are excluded.

September 2026 KFS publishes 46.20% annual retail interest; the published monthly example is 3.85%. Actual assigned rate appears on your statement. Bank FX spread is 2.89%, plus Visa/Mastercard charges; KFS labels FX VAT not applicable.

Welcome qualification uses the bank's first two months after issuance. The calculator uses a 60-day spend projection as an approximation; confirm the actual deadline during digital application.

Welcome amounts are standard new-credit-customer incentives. A Mashreq card held or cancelled in the previous six months makes you an existing customer. Do not count the same credit-card reward again as an Early Bird extra.

Current redemption table, effective 13 June 2026: 380 points = AED 1 cashback; 288 points = AED 1 noon gift card; 303 points = AED 1 Amazon/POS value; 32 points = 1 Skywards mile; 22 points = 1 Etihad Guest mile; 17 points = 1 Avios. Cash redemption is the model benchmark.

10 Vantage points per AED on supermarket, fuel and dining applies to domestic transactions. International transactions earn 2 points per AED, including foreign category spending.

Official Vantage programme

Current product

September2026 KFS

Current welcome terms

Current Vantage earning/redemption

Current lounge terms

VOX/Reel/Novo cinema

Cinepolis2026terms

Transparent hero artwork with a tilted silver card and substantial padding; Platinum Plus and VISA labels are visible. Image filename says 780x350; decoded dimensions are 780x530. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 2,500 for eligible new credit customers after AED 9,000 within the bank's first two months. Existing-customer credit is AED 500. Amount/window must match digital application;60days in forecast is approximate.

Qualifying welcome value: AED 2,500. Requires AED 9,000 spend within 60 days.

Fees, rewards & eligibility

Read the full Solitaire Credit Card review and fee maths

Up to 6 Vantage points per AED abroad, 4 on travel, 2 on general local retail; reduced categories earn less.

50% off eight tickets per billing cycle pooled across VOX, Reel and Novo, with no minimum spend. Book directly on cinema website/app. Separate Cinepolis eight-ticket monthly promotion at Oasis Mall, Sharjah through 31 December 2026. · 12 complimentary lounge visits per calendar year via Visa Airport Companion, shared with up to one guest per visit. Only two before an international transaction over USD 1 each calendar year; allow 15 days to reflect. Replaced cards must requalify.

Valet: Two complimentary valet services per billing cycle after AED 10,000 retail purchases in the previous cycle. Quota includes supplementary-card use; location and time limits apply.

Monthly interest rate: 3.85%. Bank FX charge: 2.89%.

AED 2,500 for eligible new credit customers after AED 9,000 within the bank's first two months. Existing-customer credit is AED 500. Amount/window must match digital application;60days in forecast is approximate.

Verified cash redemption: 380 Mashreq Vantage points = AED 1 via Mashreq Mobile App. Vouchers and miles have different conversion values. Bill payments through Mashreq app/online do not earn. Merchant-specific perks are excluded.

September 2026 KFS publishes 46.20% annual retail interest; the published monthly example is 3.85%. Actual assigned rate appears on your statement. Bank FX spread is 2.89%, plus Visa/Mastercard charges; KFS labels FX VAT not applicable.

Welcome qualification uses the bank's first two months after issuance. The calculator uses a 60-day spend projection as an approximation; confirm the actual deadline during digital application.

Welcome amounts are standard new-credit-customer incentives. A Mashreq card held or cancelled in the previous six months makes you an existing customer. Do not count the same credit-card reward again as an Early Bird extra.

Current redemption table, effective 13 June 2026: 380 points = AED 1 cashback; 288 points = AED 1 noon gift card; 303 points = AED 1 Amazon/POS value; 32 points = 1 Skywards mile; 22 points = 1 Etihad Guest mile; 17 points = 1 Avios. Cash redemption is the model benchmark.

Conventional Visa Infinite, distinct from Islamic Emirati Solitaire. The lounge allowance is 12 visits annually, shared with eligible guest visits.

Six annual airport transfers, maximum one per month; golf, Fitness First, Marhaba and valet require AED 10,000 previous-cycle spending. Booking, guest and activity limits apply.

Supplementary annual fee is AED 630 including VAT. Travel insurance requires eligible tickets paid using Solitaire and policy conditions; no standalone cash value is assumed.

Official Vantage programme

Current product

September2026 KFS

Current welcome terms

Current Vantage earning/redemption

Current lounge terms

VOX/Reel/Novo cinema

Cinepolis2026terms

Valet terms effectiveJuly2026

Transparent official hero shows two tilted Solitaire card fronts; VISA Infinite label is visible. Conventional consumer Solitaire, distinct from Mashreq Al Islami Emirati Solitaire. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

First-year annual-fee waiver is advertised as a limited offer without a stated deadline. Confirm availability at approval.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Consumer Cashback Reward Card review and fee maths

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.

Current 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

Regular welcome offer

First-year annual-fee waiver is advertised as a limited offer without a stated deadline. Confirm availability at approval.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Consumer Cashback Platinum Card review and fee maths

4% on eligible UAE groceries, school fees, fuel and selected bills with individual caps; AED 4,000 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 4,000 within a statement cycle are required for cashback.

Grocery and school caps effective 10 October 2026 are AED 300 per category monthly; fuel and utilities each cap at AED 150. 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 261.45; 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.

Current official product and reward conditions

Current fees effective 12 October 2026

Official new covered-card key facts

Additional distinct current Consumer Cashback product supplied to resolve the ambiguous family name. Current official listing packshot, angled card perspective; small 248x190 source. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Welcome statement-credit offers require applying independently on Citibank’s website. Third-party / comparison referrals or search-ad applications do not qualify; the forecast excludes this channel-dependent welcome reward.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Citi Cash Back Credit Card review and fee maths

3% eligible foreign-currency retail, 2% groceries and 1% other retail. Bank-channel bill payments and non-retail transactions are excluded.

No cinema benefit verified. · Eight lounge visits per year via Mastercard Travel Pass; qualifying foreign transaction required.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

Welcome statement-credit offers require applying independently on Citibank’s website. Third-party / comparison referrals or search-ad applications do not qualify; the forecast excludes this channel-dependent welcome reward.

Direct merchant utility payments are assumed. Direct-channel-only welcome credit is excluded; monthly earning remains constrained by approved credit limit.

Finance charge 3.69% monthly effective 1 October 2026. FX transaction fee is additional to network conversion.

First annual fee waived; later annual waiver requires AED 9,000 spend. This is not unconditional free for life.

Official fees / key facts

Current official page and card face use Cash Back as two words. Current directory packshot, despite the legacy asset path. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Citi Simplicity Credit Card review and fee maths

No spending rewards are verified for this fee-focused product.

No cinema benefit verified. · No complimentary lounge benefit verified.

Monthly interest rate: 3.69%. Bank FX charge: 2.99%.

Finance charge 3.69% monthly effective 1 October 2026. FX transaction fee is additional to network conversion.

No annual, late-payment, overlimit or cash-advance fees under product terms. Finance charges still apply; fee relief does not make carried balances interest-free.

Official fees / key facts

Current official UAE directory packshot, despite the legacy asset path. The directory uses Citi Simplicity®; product page heading omits the registered trademark. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Cash+ Credit Card review and fee maths

1% cashback on eligible retail. Advertised 10% annual bonus is a top-up on earned cashback, not a 10% spending reward.

Buy 1 Get 1 cinema tickets after AED 10,000 calendar-month spend; booking and provider conditions apply. · Unlimited Visa Airport Companion lounge visits for you and one guest after an international purchase equivalent to at least one US currency unit, at least 15 days before travel.

Monthly interest rate: 3.69%. Bank FX charge: 2.1%.

Includes verified monthly, quarterly and annual bonuses on base cashback when the repeated-spend forecast reaches each separate target. Leisure perks are excluded; fee waiver remains subject to campaign approval conditions.

AED 30,000 monthly income; annual fee AED 1,050 including VAT. First-year fee waiver campaign runs through 31 December 2026; subsequent waiver requires AED 24,000 yearly spend.

Base cashback is 1% of eligible retail. Monthly AED 5,000, quarterly AED 25,000 and annual AED 125,000 retail targets each award a separate 10% bonus on the relevant base cashback, not 10% of spending. Bonuses do not compound on one another.

The model repeats the entered monthly spend over complete one-, three- and twelve-month cycles. Actual account periods, cleared payments, reversals and credit limits affect entitlement.

Cinema BOGO requires AED 10,000 in the booking month. The current Visa card uses Visa Airport Companion, not Mastercard Travel Pass.

Foreign currency processing: bank 2.1% including VAT plus a separate scheme fee up to 1.21% including VAT. Overseas AED processing is 1.05%; merchant exchange rates can add costs.

Current HSBC tariff, effective 6 October 2026

Official Cash+ cashback bonus terms

Official campaign terms

Official product hero asset has a light grey background and generous margins around the card; downloaded unchanged. Visible card face reads Cash+ Credit and Visa Infinite. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 750 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full RAKBANK World Cashback Credit Card review and fee maths

50% off selected VOX screenings, up to four tickets per card per month; partner terms apply. · Mastercard Travel Pass: complimentary airport lounge access subject to activation and eligibility. Complete qualifying non-AED spend and register at least 72 hours before travel; confirm the current annual visit allowance.

Monthly interest rate: 3.65%. Bank FX charge: 2.57%.

First-year fee waiver requires AED 100,000 spend within 365 days. Your forecast meets the spend target.

AED 750 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.

Not estimated: World cashback depends on monthly spend bands, category caps and e-wallet payment method; a headline 10% or 3% is not applied to all spend.

Linked VAT-inclusive tariff: AED 997.50 from year two, waived after AED 100,000 qualifying prior-year spend; first year free. Cash/remittances and balance transfers do not qualify for that waiver.

Headline travel/hotel cashback capped at AED 400/month; groceries AED 300, dining AED 300, e-wallet other retail AED 150, non-wallet other retail AED 100. The product page requires AED 10,000 total monthly net spend for the accelerated features. Full tier matrix must be confirmed before a forecast is enabled.

FX tariff charge is 2.57% including VAT, plus network processing approximately 1.15%; do not describe 2.57% as the full foreign-currency cost.

Monthly finance rate 3.65%; may rise by 0.5 percentage points when the previous statement is past due.

One 12-month Careem Plus membership for the primary cardholder; pay eligible Careem transactions with this card. Lounge activation uses foreign-currency spend equivalent to USD 1 and recurring eligibility; verify the allowance in Mastercard Travel Pass.

Official product page

Current card comparison: salary and fee waiver

VAT-inclusive service and price guide

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

AED 300 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full RAKBANK RED Cashback Credit Card review and fee maths

No cinema benefit verified. · No complimentary access verified

Monthly interest rate: 3.65%. Bank FX charge: 2.57%.

AED 300 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.

Models 1% at AED 1,000–2,999 monthly spend, 1.5% at AED 3,000+, 0.25% direct reduced-category spend and AED 300 monthly cap. Bank-channel bills and remittances excluded; redemption requires AED 100 cashback.

Free for life. AED 1,000 minimum monthly net spend; 1% standard retail cashback at AED 1,000–2,999 and 1.5% from AED 3,000. AED 300 maximum cashback per billing cycle.

Reduced MCCs earn 0.25%: charities, government, bills, education, transit/transport, telecom, real estate and fuel. RAKBANK-channel payments, cash and remittances earn no rewards.

AED 100 minimum cashback redemption and 15-month reward expiry. Cash-remittance benefit is one qualifying international transfer per month; bank terms and FX rates apply.

Finance 3.65% monthly, with a possible 0.5 percentage-point past-due increase. Foreign transaction charge 2.57% including VAT plus approximately 1.15% network fee.

Official product page

RED card KFS

VAT-inclusive service and price guide

Minimum salary comparison

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full CBD Super Saver Visa Signature Credit Card review and fee maths

Tiered B.E.S.T cashback is modelled conservatively. CBD bank-only FX and future-year annual-waiver details remain unconfirmed.

No cinema benefit verified. · Visa Airport Companion: up to eight complimentary lounge visits per calendar year; verify activation and qualifying international-spend rules.

Monthly interest rate: 3.85%. Bank FX charge: Confirm with bank.

Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.

B.E.S.T cashback: AED 3,000–9,999.99 total monthly spend earns 3%, capped at AED 75 per category/AED 300 total; AED 10,000–19,999.99 earns 5%, capped at AED 100 per category/AED 400 total; AED 20,000+ earns 10%, capped at AED 150 per category/AED 600 total. Below AED 3,000 earns zero.

B.E.S.T is eligible water/electricity bills, school/college/university education, supermarkets and transport/fuel. Chiller, LPG, drinking-water supplies, driving classes and school uniforms/transport are excluded examples. Merchant classification and non-qualifying transactions still apply.

Annual fee AED 420 including VAT; first year free. Confirm the current annual-spend target for subsequent fee waiver before relying on it.

Linked February 2025 SOC lists finance 3.85% monthly. Its 2.99% foreign-fee row has contradictory wording on network inclusion and VAT; bank-only FX value is left unconfirmed to avoid double-counting scheme fees.

The product advertises up to AED 1,000 digital-wallet welcome bonus for applications by 5 November 2026. Full spend/crediting conditions were not retrieved; excluded from modelling.

Official product page

Official B.E.S.T cashback grid

Cashback and redemption terms

VAT-inclusive card schedule of charges

Exact official issuer artwork; retrieved and visually inspected. The bank uses an in-phone product image on this page. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full CBD One Visa Signature Credit Card review and fee maths

Current CBD One differs from old selectable-plan marketing. Confirm the AED 5,000 cashback eligibility interpretation; expired cinema/golf offers are excluded.

No cinema benefit verified. · Visa Airport Companion: up to eight complimentary lounge visits per calendar year; confirm activation and spend eligibility.

Monthly interest rate: 3.85%. Bank FX charge: Confirm with bank.

Not estimated: up to AED 135 monthly cashback is limited to listed merchants and a qualifying-spend condition. Broad groceries/dining/online inputs cannot establish exact merchant eligibility.

Current product and March 2025 FAQ say free for life and up to AED 135 cashback per month at listed merchants after meeting the AED 5,000 monthly spend criterion. Do not substitute old Starter/One Plus/VIP selectable-plan terms from the older CBD One microsite.

Selected merchants include noon, Airbnb, Booking.com, Amazon, iTunes, Uber, Careem, named food-delivery apps, streaming, cinema, coffee and fitness brands. Cashback cannot exceed actual qualifying merchant spend; transaction posting dates and account status matter.

The latest FAQ says at least AED 5,000 spend on selected merchants, while an alternate 2025 FAQ example describes total monthly spend plus smaller selected-merchant purchases. Confirm this eligibility conflict with CBD. No reward forecast is shown.

Cinema and golf benefits in the March 2025 FAQ expired on 9 May 2025; they are not presented as current benefits.

Finance 3.85% monthly in linked SOC. Foreign transaction 2.99% row and VAT/network footnote are ambiguous; bank-only FX is unconfirmed.

Official product page

Current CBD One FAQ, March 2025

Alternate March 2025 FAQ

VAT-inclusive card schedule of charges

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Emirates Islamic RTA Platinum Credit Card review and fee maths

Reel Buy 1 Get 1 tickets subject to AED 3,000 monthly retail spend, eligible formats and current booking terms. · No complimentary access verified

Monthly profit rate: 3.69%. Bank FX charge: 2.54%.

Models ordinary domestic dining/shopping, groceries at 1%, education at 0.13%, fuel 10% capped AED 75, and general non-EEA/UK international spend 2.25%. Utilities excluded conservatively as government/bank-channel payments. RTA/Salik, fast food, telecom and other specific MCCs require separate inputs.

No annual membership fee on RTA Platinum. AED 1,000 minimum retail spend per statement cycle to earn cashback from 1 March 2025; minimum 300 cashback points for redemption, two-year reward validity and assigned-credit-limit earning cap.

Fuel 10% cashback capped AED 75/month and RTA transport 10% capped separately at AED 75/month. Eligible RTA ticket offices, vending machines and approved agents differ from online RTA/Nol/Salik transactions, which the issuer identifies as unrewarded smart-government payments.

General international 2.25%, domestic 1.25%, EEA/UK 0.56%, groceries 1%, fast food 0.31%, auto/insurance 0.19%, education/telecom/real estate 0.13%. Government transactions, charity and bank-channel bills are excluded.

Model uses zero for utility/government spending and does not assign an accelerated Salik rate. Actual merchant/channel controls eligibility.

FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement. Built-in Nol wallet and credit-card account remain separate.

Official product page

VAT-inclusive card schedule of charges

Official catalogue: salary and artwork

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

Read the full Emirates Islamic Cashback Plus Credit Card review and fee maths

Tiered supermarket, education, dining and separately entered telecom earning is modelled. Each eligible category has its own AED 200 cap; no broad 10% rate is applied to other spending.

Reel Buy 1 Get 1 tickets after AED 3,000 monthly retail spend; Roxy 20% discount through 30 April 2027. Eligible ticket and booking rules apply. · Visa Airport Companion: unlimited eligible airport lounge access, subject to foreign-currency activation and current issuer conditions.

Monthly profit rate: 3.69%. Bank FX charge: 2.54%.

First-year fee waiver requires AED 5,000 spend within 90 days. Your forecast meets the spend target.

Tiered eligible-category estimate: monthly spend selects the 3%, 5% or 10% rate and published category caps. Merchant classification, channel exclusions and future-year fee conditions still apply. Only separately identified telecom is included where eligible.

Monthly total spend below AED 3,000 earns no cashback; AED 3,000–9,999 earns 3%, AED 10,000–17,499 earns 5%, AED 17,500+ earns 10% on qualifying supermarkets, education, dining and telecom. Each category has a separate AED 200/month cap.

One cashback point equals AED 1. There is no verified broad 10% cashback on all spending; telecom must be identified separately and not inferred from general utility input.

Annual fee AED 313.95 including VAT. Current catalogue advertises first-year waiver after AED 5,000 qualifying retail spend within 90 days and subsequent annual waiver after AED 30,000. The calculator first-year waiver is conditional.

One complimentary valet/month needs AED 5,000 monthly spend from 1 March 2026. Two golf rounds/month, lounge, takaful and meet-and-greet benefits have additional issuer/provider eligibility.

FX 2.54% including VAT plus network approximately 1.15%. Published monthly profit 3.69%; check the signed agreement.

Official product page

VAT-inclusive card schedule of charges

Official catalogue: salary, fee waiver and artwork

Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source