Groceries cashback cards · UAE

Best groceries cashback credit cards in the UAE

Cards that pay cashback on supermarket and grocery spending, ranked by the rate each bank publishes for that category. Groceries are a monthly fixed cost, which makes the cap the number that decides your return.

20cards
01
Mawarid Falak Tayyeb Platinum Credit Card10% cashback · Free for life
02
Mawarid Falak Tayyeb Titanium Credit Card10% cashback · Free for life
03
CBD Super Saver Credit Card (Visa Signature)10% cashback · AED 420

Groceries cashback cards ranked by rate

Every card here pays cashback on supermarket and grocery spending, ranked on the rate its bank publishes for that category. The wording beside each rate is the condition the bank attached to it.

#CardGroceries cashbackAnnual feeMin salary
01Mawarid Falak Tayyeb Platinum Credit CardMawarid Finance10% cashbackcashback on Grocery, Dining and Fuel andFree for lifeAED 5,000
02Mawarid Falak Tayyeb Titanium Credit CardMawarid Finance10% cashbackcashback on Grocery, Dining and Fuel andFree for lifeAED 5,000
03CBD Super Saver Credit Card (Visa Signature)CBD10% cashbackcashback on bills, education, supermarket and fuel (max AED 600/month)AED 420AED 5,000
04Mawarid Falak Tayyeb World Credit CardMawarid Finance10% cashbackcashback on Grocery, Dining and Fuel andAED 525AED 15,000
05RAKislamic World Credit CardRAKBANK10% cashbackon travel and supermarket (mirroring the conventional World card structure)AED 787.50AED 20,000
06World Credit CardRAKBANK10% cashbackon supermarket, travel and diningAED 997.50AED 20,000
07Mawarid Falak Tayyeb World Elite Credit CardMawarid Finance10% cashbackcashback on Grocery, Dining and Fuel andAED 1,050AED 30,000
08Titanium Credit CardRAKBANK5% cashbackback on supermarkets, dining and fuelFree for lifeAED 8,000
09Duo Credit CardsEmirates NBD5% back as Plus PointsPlus Points on grocery, utilities, electronics, education and fuel, andFree for lifeAED 12,000
10FAB Cashback Credit CardFAB5% cashbackon supermarkets,AED 315AED 5,000
11ULTRACASH Platinum Mastercard Credit CardAjman Bank5% cashbackcashback on 2 self-selected categories from Fuel, Online Shopping, Supermarkets and School Fees (UAE Nationals receiveAED 525AED 10,000
12ADIB Cashback Visa CardADIB4% cashbackcashback on Supermarket and GroceryAED 103.95AED 5,000
13Consumer Cashback Platinum CardDIB4% cashbackcashback on supermarkets, fuel, utilities, telecom, school fees, automobile servicing and Salik/NOL rechargesAED 261.45AED 15,000
14Switch Cashback Credit CardEmirates Islamic4% cashbacksupermarket/dining/education,AED 313.95AED 10,000
15Deem Mastercard Titanium Cash Up Credit CardDeem Finance3% cashbackaccelerated Cash Up on supermarkets and groceries, utility bills, fuel and government services, plusAED 210AED 5,000
16Consumer Cashback Reward CardDIB3% cashbackcashback on supermarkets, fuel, utilities, telecom, school fees, automobile servicing and Salik/NOL rechargesAED 210AED 5,000
17365 Cashback Credit CardADCB3% cashbackon groceries and supermarketsAED 383.25AED 5,000
18Islamic 365 Cashback CardADCB3% cashbackon groceries and supermarketsAED 383.25AED 5,000
19Citi Cash Back Credit CardCitibank2% cashbackon grocery and supermarket spend andAED 315AED 8,000
20RTA Credit CardEmirates Islamic1% cashbackon grocery and supermarketsFree for lifeAED 5,000

Ranked from the rates and benefits each bank publishes, highest first. Every figure links through to the card page it came from.

Groceries cashback buying guide

Why the grocery cap matters more than the rate

Grocery spending is steady and predictable, which is exactly why banks cap it. A household spending AED 3,000 a month at the supermarket on a card paying 10% would earn AED 300 - so the bank publishes a category cap, often between AED 100 and AED 600 a month, and the headline rate quietly stops applying part-way through your shop.

Divide the cap by the rate and you get the spend the offer actually covers. A 10% rate capped at AED 200 pays in full on the first AED 2,000 of groceries and nothing after it; a 4% rate capped at AED 400 keeps paying to AED 10,000. For most households the second card is worth more, even though it ranks lower on rate.

Of the 20 groceries cashback cards on this page, 5 carry no annual fee and the most expensive costs AED 1,050 a year. Minimum salaries run from AED 5,000 to AED 30,000 a month, across 12 banks.

Check what counts as a supermarket

Banks pay on the merchant category code, not on what you bought. Groceries billed by a department store, a delivery app or a fuel-station shop routinely fall outside the supermarket category and earn the base rate.

Co-brand cards pay in points

The LuLu cards from ADCB and Emirates NBD are the biggest grocery earners in the market, but they pay LuLu points rather than cashback, which is why they are not ranked on this page. If you shop almost entirely at one chain, compare them on the rewards and bank pages instead.

Minimum spend still applies

Several of these cards pay the grocery rate only in months where your total card spending clears a threshold. Groceries alone will not always get you there.

Groceries cashback cards by minimum salary

Groceries cashback credit card questions

The cards at the top of this page publish the highest supermarket rates in the market. All of them cap the category monthly, so the card that pays you most is the one whose cap covers your own grocery bill, not necessarily the one with the biggest percentage.

Generally yes, where the merchant is coded as a supermarket or grocery store, which covers the major UAE chains. Small independent shops and mini-marts are sometimes coded differently and earn the base rate instead.

5 of the 20 cards on this page carry no annual fee. Free cards usually pay a lower grocery rate than the paid ones, so compare the annual cashback difference against the fee before assuming the paid card wins.

It depends how the merchant is registered. A supermarket chain billing its own delivery normally earns the grocery rate; a third-party delivery platform is usually coded as a delivery or restaurant merchant and earns whatever the card pays there.

These 20 cards start at AED 5,000 a month and run to AED 30,000. The entry-level cards in the list cover most salaried households in the UAE.

Other card categories

All credit cardsCashback cardsTravel cardsRewards cardsIslamic cardsPremium cardsNo annual fee cardsTop cashback cardsFuel cashback cardsEducation cashback cardsFree lounge access cards

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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.