The best cashback credit card in UAE depends on where you spend most. Emirates NBD noon One Visa pays 20% back on noon Food orders — the highest single-category rate found — while FAB Cashback Card pays a flat 5% across groceries, dining, and fashion for broader everyday spending. This page covers cashback-specific cards only; for the full 28-card comparison across all reward types, see our best credit card in UAE guide.
What to do now:
- Check whether your spending concentrates in one category (noon, groceries, dining) or spreads evenly
- High single-category rates (10%+) usually apply to one merchant network, not everyday spend broadly
- Compare the annual fee against your realistic monthly cashback before applying
Cashback Rates Compared
| Card | Top Rate | Where It Applies | Min. Salary | Annual Fee |
|---|---|---|---|---|
| Emirates NBD noon One Visa | 20% | noon Food orders only | AED 5,000 | AED 0 |
| EMIRATES NBD Darna Select | 6.25% | 1,200+ Aldar destinations (Yas Mall, hotels, golf) | AED 5,000 | AED 0 |
| Liv Tamayaz Mastercard | 6% | Union Coop grocery purchases | AED 5,000 | AED 0 |
| FAB Cashback Card | 5% | Groceries, dining, fashion | AED 5,000 | AED 300 |
| Emirates NBD SHARE Visa | 4–7% | 5,000+ Majid Al Futtaim outlets | AED 5,000 | AED 0 |
| Liv Cashback Platinum | 4% | All spend, capped at AED 750/month | AED 5,000 | AED 0 |
A 20% headline rate applies to one merchant category, not general spending. The noon One Visa’s 20% is genuinely the highest rate on this list, but it only pays out on noon Food orders specifically — everyday retail and bill payments earn far less on the same card. A flat 4–5% card often pays more in total cashback for someone whose spending isn’t concentrated on one platform.
Category-Specific vs Flat-Rate Cashback
This distinction determines which card actually suits your spending pattern.
Category-specific cards (noon One Visa, Darna Select, Liv Tamayaz) reward one merchant network heavily and everything else minimally — ideal if you already shop consistently within that network, weak otherwise. Flat-rate cards (FAB Cashback, Liv Cashback Platinum, Emirates NBD SHARE) pay a more modest but consistent rate across most spending categories.
None of these cards require a minimum salary above AED 5,000, making cashback-specific cards among the most accessible reward products in the UAE market — a genuine contrast to travel and premium cards that often start at AED 20,000+.
Pro tip: Liv Cashback Platinum’s 4% rate is capped at AED 750 in monthly cashback — spending beyond roughly AED 18,750/month on the card earns nothing extra that month. Check monthly caps before assuming a flat percentage applies without limit.
Frequently Asked Questions
What is the best cashback credit card in the UAE?
It depends on spending pattern. Emirates NBD noon One Visa offers the highest single rate at 20% but only on noon Food orders, while FAB Cashback Card’s flat 5% across groceries, dining, and fashion suits broader everyday spending better for most cardholders.
What is the highest cash rewards credit card in UAE?
Emirates NBD noon One Visa offers the highest published rate at 20% back, though this applies specifically to noon Food orders rather than general spending. For broad category cashback, EMIRATES NBD Darna Select Visa’s 6.25% across 1,200+ Aldar destinations is among the highest non-single-merchant rates.
Do cashback credit cards in the UAE have annual fees?
Most cashback-focused cards on this list carry no annual fee, including Emirates NBD SHARE Visa, noon One Visa, Darna Select, and Liv’s cashback cards. FAB Cashback Card is an exception at AED 300 per year, offset by its broader flat-rate cashback across three everyday spending categories.
Last verified: July 2026 Reviewed by: UAE Content Team Source: Central Bank of the UAE — Licensed Financial Institutions
Not financial advice. Confirm current rates, caps, and eligibility directly with the bank before applying.
