UAE Credit Cards Compared (June 2026): Cashback, Travel & Islamic — All the Numbers

Whether you're chasing cashback at Carrefour, Skywards miles on Emirates flights, or just want the best dining rewards in Dubai, June 2026 offers strong credit card deals. I've compared the latest rates and fees across all major UAE banks — ENBD, FAB, ADCB, Mashreq, RAKBANK, HSBC, and neobanks like Wio and Liv — so you can pick the card that fits your spending.

The bottom line: highest grocery cashback is ADCB 365 (5%), highest dining is ADCB (6%) or HSBC Live+ (6%), and if you're all-in on the noon ecosystem, Emirates NBD's noon One is unbeatable (20% on noon Food).

Credit Card Comparison — June 2026

As of 16 June 2026. Rates are indicative and change frequently — verify with your bank before applying.

Best Cashback on Groceries

ADCB 365 Cashback Card: 5% on groceries, 6% on dining, 3% on utilities. Annual fee AED 383. Min salary AED 5,000. No monthly cap. Sources: ADCB.com and CreditSouq.ae (June 2026).

Best on Dining

ADCB 365: 6% cashback. HSBC Live+: 6% dining, 5% fuel, 2% supermarket. First year free; then free if you spend AED 12K/year. AED 600 welcome bonus (June 2026). Sources: HSBC.ae, Kredit.ae.

Best for Noon Shoppers

Emirates NBD noon One: 20% on noon Food, 10% on nownow. Lifetime-free. Min salary AED 10,000. Limited to noon ecosystem but unmatched rates. Source: ENBD.com (June 2026).

Best Lifetime-Free

Mashreq Cashback: 5% dining, 1% other. Zero annual fee. Min salary AED 5,000. Simple structure, no caps. Source: Mashreq.com.

Best Travel Rewards

FAB Travel Card: 41 FAB Rewards per AED 1 on flights/hotels, 3 per AED 1 in UAE. Premium card (AED 25K+ salary). Source: FAB.com.

Best for Neobanks

Wio Credit Card: 2% on all purchases. Lifetime-free. Instant approval. Monthly cap AED 2,500. Source: Kredit.ae (June 2026).

Best Flexible Rewards

Liv Cashback+: Up to 4% tiered (4% on AED 15K+, 2% on 7-15K, 1% below 7K). Convert to cashback or Skywards. Lifetime-free. Monthly cap AED 1,500. Source: Liv.me.

What Affects Your Cashback

• Monthly caps: RAKBANK, Wio, Liv cap earnings. ADCB 365 and HSBC Live+ do not.

• Spending category: Most rates vary by category (groceries, fuel, dining, online).

• Salary transfer: Some banks offer bonus rates if you transfer salary.

• Annual spend: Some cards waive fees if you spend a minimum (e.g., HSBC Live+ waives if you spend AED 12K/year).

FAQ

Which credit card has the highest cashback?

ADCB 365 leads on groceries (5%) and ties on dining (6%). Emirates NBD noon One tops at 20%, but only on noon Food. RAKBANK World and FAB Travel hit 10%+, but with monthly caps.

Are there lifetime-free cards?

Yes. Mashreq Cashback, ENBD noon One, Wio, and Liv are all lifetime-free. HSBC Live+ is free for year one, then free if you spend AED 12K/year.

Can I earn Skywards miles?

Yes. Liv Cashback+ converts to Skywards miles. ENBD and FAB offer Skywards-linked cards. Check with your bank for current options.

Sources

Data from official bank websites (emiratesnbd.com, bankfab.com, adcb.com, mashreq.com, rakbank.ae, hsbc.ae, liv.me, wio.me) and comparison sites (CreditSouq.ae, SoulWallet.ae, Kredit.ae). All rates confirmed 16 June 2026.

This is not financial advice. Rates are indicative and change frequently — always verify with your bank before applying. Card approvals depend on credit history, salary, and bank criteria. Read the full terms and conditions before committing.

— Angel