Top Cashback Credit Cards in UAE and Their Eligibility Requirements - UAEHelper.com





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Top Cashback Credit Cards in UAE and Their Eligibility Requirements

Top Cashback Credit Cards in UAE and Their Eligibility Requirements


If you live in the UAE and want to save money while spending, a cashback credit card can be helpful. These cards return a small part of your payment each time you use them. Some give better value on fuel or bills, others reward shopping or groceries more. The best choice depends on how you spend your money each month.

Before applying, it’s smart to check which are the best cashback credit cards in UAE and what documents or salary you need to apply for them.

Cashback Cards You Can Consider

Here are five cards in the UAE that offer cashback. Each one has different features and salary requirements. Choose the one that fits your lifestyle.

  1. ADCB SimplyLife Cashback Card
    This card gives 1% cashback on everything you spend. No yearly fee. You need to earn at least AED 5,000 to apply. It’s a basic card that’s easy to manage.
  2. Mashreq Cashback Credit Card
    Gives 5% cashback on groceries, fuel, and bill payments. Other spending earns 1%. No minimum spend needed. The first year is free. Monthly salary must be AED 7,000.
  3. FAB Cashback Credit Card
    Gives 5% cashback on fuel, 3% on groceries and utilities, and 1% on all other items. This card has no annual fee. To apply, your income must be at least AED 8,000.
  4. CBD Super Saver Credit Card
    Gives up to 10% cashback on school fees, utility bills, and groceries. Also includes lounge access and other extra features. You need a salary of AED 8,000 or more.
  5. Emirates Islamic Cashback Plus Card
    Gives up to 10% back on fuel, telecom, and education expenses. All other spending earns 1%. Fees may apply based on usage. The salary required is AED 5,000 per month.

Each card suits different spending habits. Pick the one that matches how you spend day to day.

What You Need Before You Apply

Now, let’s talk about the requirements for credit card approval in the UAE. While every bank has its own checks, most of them ask for the same few things.

You must be 21 or older and have a UAE residency visa. You’ll need to show a valid Emirates ID and proof of income. That could be a salary certificate, payslip, or bank statement showing recent deposits. Most cards also come with a minimum monthly income condition. It’s often between AED 5,000 and AED 8,000 depending on the card.

If you meet the basic conditions, applying is easy. You can go online, visit a bank branch, or speak to a rep over the phone. Most banks give you a decision in a few days.

Check for Fees Before You Apply

Some cards charge a yearly fee. Others are free if you spend a certain amount. If you’re not a frequent spender, try to pick a card that doesn’t charge you. Paying more than you save makes no sense.

Look at how much cashback you’re likely to earn. If the fee takes away most of it, the card won’t help you much.

Final Thoughts

The best cashback credit cards in UAE offer real savings if you choose one that suits your needs. A card that gives 5% back on fuel only helps if you spend on fuel. One that gives 10% on school fees works best for families.

Before you sign up, review the bank’s terms. Make sure you meet the requirements for credit card approval. A good card helps you get something back without extra effort. Choose the right one, and your daily spending can turn into steady rewards.

 

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