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 3.9/5100% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual fee AED 418.95
- − Perk activation and qualifying conditions apply
Explore all Dubai First cards and accounts · Conventional credit 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.
Partial rewards model: 5% on domestic grocery, dining and fuel spending, capped at AED 150 per category monthly; 0.5% on other and foreign purchases; 0.15% on specified lower-earn merchants. Merchant exclusions, caps and scheme conditions apply. 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
- AED 5,000
- Annual fee
- AED 418.95
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- 3.99%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
First year free per product page. Renewal399+VAT418.95; no standard ongoing waiver verified.
Cashback or points earning rules, thresholds and caps
5% on domestic grocery, dining and fuel spending, capped at AED 150 per category monthly; 0.5% on other and foreign purchases; 0.15% on specified lower-earn merchants.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 5 % cashback | AED 150 | 0 |
| Dining | 5 % cashback | AED 150 | 0 |
| Fuel | 5 % cashback | AED 150 | 0 |
| School Fees | 0.15 % cashback | Shared/general conditions | 0 |
| Utilities | 0.15 % cashback | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED 3,195 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.
Partial rewards model: 5% on domestic grocery, dining and fuel spending, capped at AED 150 per category monthly; 0.5% on other and foreign purchases; 0.15% on specified lower-earn merchants. Merchant exclusions, caps and scheme conditions apply.
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 3.9/5100% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Annual fee AED 418.95
- − Perk activation and qualifying conditions apply
First year free per product page. Renewal399+VAT418.95; no standard ongoing waiver verified.
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 3,195
Fee waiver+ AED 418.95
Joining-fee refund+ AED 0
Annual fee− AED 418.95
Actual modelled netAED 3,195
Partial rewards model: 5% on domestic grocery, dining and fuel spending, capped at AED 150 per category monthly; 0.5% on other and foreign purchases; 0.15% on specified lower-earn merchants. Merchant exclusions, caps and scheme conditions apply.
Calculation assumptionsRewards, fees & important conditions
Read the full Cashback Credit Card review and fee maths
5% on domestic grocery, dining and fuel spending, capped at AED 150 per category monthly; 0.5% on other and foreign purchases; 0.15% on specified lower-earn merchants.
Up to 4 standard VOX tickets at AED 20 each after AED 4,000 spend in the previous month. · Mastercard Travel Pass. Confirm complimentary entitlement and activation requirements in the app.
Monthly interest rate: 3.99%. Bank FX charge: Confirm with bank.
Partial rewards model: 5% on domestic grocery, dining and fuel spending, capped at AED 150 per category monthly; 0.5% on other and foreign purchases; 0.15% on specified lower-earn merchants. Merchant exclusions, caps and scheme conditions apply.
Current product page and FAB-UDS terms supersede older PDFs advertising 5% online, 3% foreign or AED 200 category caps.
The international-spend classification takes precedence over domestic merchant-category acceleration.
The brief’s 6% cashback headline is unsupported by the current official page.
Official bank source · checked 2026-10-22Official bank terms, tariff or rewards information
Official bank terms, tariff or rewards information
Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Mastercard Travel Pass. Confirm complimentary entitlement and activation requirements in the app.
- Cinema: Up to 4 standard VOX tickets at AED 20 each after AED 4,000 spend in the previous month.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Current product page and FAB-UDS terms supersede older PDFs advertising 5% online, 3% foreign or AED 200 category caps.
- The international-spend classification takes precedence over domestic merchant-category acceleration.
- The brief’s 6% cashback headline is unsupported by the current official page.
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.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
Compare Cashback Credit Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare Cashback Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare Cashback Credit Card with CBD Super Saver Visa Signature Credit CardOfficial bank sources and application information
- Cashback Credit Card official product terms
- Dubai First: Official product page
- Dubai First: Official bank terms, tariff or rewards information
- Dubai First: 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.