Education cashback cards · UAE
Best education and school fees cashback credit cards in the UAE
Cards that pay something back on school fees, tuition and education spending, ranked by the published rate. Education is a category most UAE cards exclude, so the shortlist is genuinely short.
12cards
01
FAB GEMS World Credit Card10% cashback · AED 418.95
02
CBD Super Saver Credit Card (Visa Signature)10% cashback · AED 420
03
Duo Credit Cards5% back as Plus Points · Free for life
School fees and education cashback cards ranked
Cards that pay cashback on school fees, tuition and education-related spending, ranked on the published rate. Note what each bank counts as education - fees, school transport and supplies are often treated differently.
| # | Card | Education cashback | Annual fee | Min salary |
|---|---|---|---|---|
| 01 | FAB GEMS World Credit CardFAB | 10% cashbackcashback on school bus, canteen, uniforms and extracurriculars | AED 418.95 | AED 8,000 |
| 02 | CBD Super Saver Credit Card (Visa Signature)CBD | 10% cashbackcashback on bills, education, supermarket and fuel (max AED 600/month) | AED 420 | AED 5,000 |
| 03 | Duo Credit CardsEmirates NBD | 5% back as Plus PointsPlus Points on grocery, utilities, electronics, education and fuel, and | Free for life | AED 12,000 |
| 04 | ULTRACASH Platinum Mastercard Credit CardAjman Bank | 5% cashbackcashback on 2 self-selected categories from Fuel, Online Shopping, Supermarkets and School Fees (UAE Nationals receive | AED 525 | AED 10,000 |
| 05 | ADIB Cashback Visa CardADIB | 4% cashbackon School and Education | AED 103.95 | AED 5,000 |
| 06 | Consumer Cashback Platinum CardDIB | 4% cashbackcashback on supermarkets, fuel, utilities, telecom, school fees, automobile servicing and Salik/NOL recharges | AED 261.45 | AED 15,000 |
| 07 | Switch Cashback Credit CardEmirates Islamic | 4% cashbacksupermarket/dining/education, | AED 313.95 | AED 10,000 |
| 08 | Consumer Cashback Reward CardDIB | 3% cashbackcashback on supermarkets, fuel, utilities, telecom, school fees, automobile servicing and Salik/NOL recharges | AED 210 | AED 5,000 |
| 09 | Mashreq Cashback Credit CardMashreq | 0.33% cashbackon government payments, fuel, utilities, education, charity, rental and telecom | Free for life | AED 5,000 |
| 10 | Mashreq noon Credit CardMashreq | 0.33% cashbackon government payments, utilities, education, charity, fuel, rental and telecom | Free for life | AED 5,000 |
| 11 | Mashreq Al Islami Cashback Credit CardMashreq | 0.15% cashbackon government payments, utilities, education, charity, fuel, rental and telecom | Free for life | AED 5,000 |
| 12 | RTA Credit CardEmirates Islamic | 0.13% cashbackon education, telecom and real estate | Free for life | AED 5,000 |
Ranked from the rates and benefits each bank publishes, highest first. Every figure links through to the card page it came from.
CBDCBD Super Saver Credit Card (Visa Signature)
10% cashback
- Min salary
- AED 5,000
- Annual fee
- AED 420
CashbackDetails →
Free for life
Emirates NBDDuo Credit Cards
5% back as Plus Points
- Min salary
- AED 12,000
- Annual fee
- Free for life
RewardsDetails →
Ajman BankULTRACASH Platinum Mastercard Credit Card
5% cashback
- Min salary
- AED 10,000
- Annual fee
- AED 525
CashbackDetails →
DIBConsumer Cashback Platinum Card
4% cashback
- Min salary
- AED 15,000
- Annual fee
- AED 261.45
CashbackDetails →
Offer
Emirates IslamicSwitch Cashback Credit Card
4% cashback
- Min salary
- AED 10,000
- Annual fee
- AED 313.95
CashbackDetails →
Free for life
MashreqMashreq Cashback Credit Card
0.33% cashback
- Min salary
- AED 5,000
- Annual fee
- Free for life
CashbackDetails →
Free for life
MashreqMashreq noon Credit Card
0.33% cashback
- Min salary
- AED 5,000
- Annual fee
- Free for life
CashbackDetails →
Free for life
MashreqMashreq Al Islami Cashback Credit Card
0.15% cashback
- Min salary
- AED 5,000
- Annual fee
- Free for life
IslamicDetails →
Free for life
Emirates IslamicRTA Credit Card
0.13% cashback
- Min salary
- AED 5,000
- Annual fee
- Free for life
CashbackDetails →
Education cashback buying guide
Paying school fees on a credit card in the UAE
Education is one of the categories UAE banks most commonly exclude from rewards, or push down to a token rate. That is deliberate: school fees arrive as a handful of very large transactions, and paying a full cashback rate on them would cost the bank more than the relationship is worth. The cards on this page are the ones that pay anything at all.
Two other things usually beat the cashback rate in value. The first is a 0% instalment plan, which spreads a term fee over several months at no cost and is worth far more than a fraction of a percent back. The second is whether the school passes on a card-processing charge, which is common and frequently larger than the cashback you would earn on the payment.
Of the 12 education cashback cards on this page, 5 carry no annual fee and the most expensive costs AED 525 a year. Minimum salaries run from AED 5,000 to AED 15,000 a month, across 8 banks.
Check the school first
Many UAE schools add a processing fee of 1% to 3% for card payments, or accept cards only through a portal that charges its own. Confirm the charge before choosing a card on a cashback rate lower than the fee.
0% instalment plans beat cashback
Splitting a term fee over 6 or 12 months at no profit is usually worth more than any education cashback rate in this market. Each card page lists whether an instalment plan is available and on what terms.
School-linked co-brands
A co-branded school card can pay a high rate on transport, uniforms, canteen and activities while paying much less on the fees themselves. Read which side of that line your spending falls on.
Education cashback cards by minimum salary
AED 5,000 or less (7)
ADIB Cashback Visa Card, CBD Super Saver Credit Card (Visa Signature), DIB Consumer Cashback Reward Card, Mashreq Al Islami Cashback Credit Card, Mashreq Cashback Credit Card and 2 more.
AED 5,001 to 10,000 (3)
FAB GEMS World Credit Card, Emirates Islamic Switch Cashback Credit Card, Ajman Bank ULTRACASH Platinum Mastercard Credit Card.
AED 10,001 to 20,000 (2)
Emirates NBD Duo Credit Cards, DIB Consumer Cashback Platinum Card.
Education cashback credit card questions
Yes, most UAE schools accept card payments, but many add a processing fee of 1% to 3% or route the payment through a portal that charges one. That charge frequently exceeds the cashback, so check it before you decide the card is paying for itself.
The 12 cards on this page are the ones that publish an education or school-fee rate, ranked highest first. Most other UAE cards exclude education from earning altogether, so a card missing from this list almost certainly pays nothing on fees.
Usually yes. Spreading a term fee over 6 to 12 months at no cost is worth more in cash terms than a low single-digit cashback rate on the same amount, and several banks offer both on the same card.
It depends on how the institution is registered with its payment processor. Schools, universities and nurseries are commonly coded as educational services and earn the education rate, but the code belongs to the merchant, not the bank.
5 of the 12 cards here carry no annual fee, though the free cards pay at the lower end. With fees of this size, the instalment plan and the school processing charge matter more than the difference in rate.
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Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.