Are you a Dubai resident looking to earn cashback points via credit cards? And before you say no, this does not sound embarrassing. There is no need to be shy about it. Credit card companies generally offer cashback reward points. Some have extensive cash-back reward schemes and some have not-so-good reward points. It depends upon the type of credit card you have. And if you are thinking about applying for a credit card, then have a look at the names of the top 10 best credit cards in the blog here.
All credit cards offer different types of cashback rewards, annual fees, and redemption rates. Come on and let’s have a look at them in detail here.
Comparing Dubai Credit Cards
| Credit Card Type | Rate of Cashback | Annual Fee | Rate of Interest | Additional Benefits |
| Emirates Islamic Cashback Plus Credit Card | Up to 10% | AED 299 | 3.69% | Golf Rounds and access to the Airport Lounge |
| Mashreq Cashback Credit Card | Up to 5% | AED 0 | 3.85% per month | A Welcome bonus of AED 500 |
| FAB Cashback Islamic Credit Card | Up to 5% | AED 300 | Has a monthly fee of 3% | It also comes with free Airport lounge access |
| CBD AI Islami Super Saver Credit Card | Up to 10% | Free for the first year and then a charge of AED 400 | A monthly charge of 3.85% | Discount on cinema and travel tickets |
| RAKBANK Titanium Credit Card | Up to 5% | 0 AED | Depends on various factors | Car rental savings and Hotel Booking discounts |
| HSBC Live+ Credit Card | Up to 6% | AED 299 | APR 44.28% | Cinema Discounts and travel rewards |
| DIB Consumer Cashback Platinum Credit Card | Up to 4% | AED 199 | Up to 3.69% | Medical and travel coverage |
| Standard Chartered Simply Cash Credit Card | Up to 2% | Free for the first year and then a charge of AED 525 | No specified by the company | Careem Ride Discounts, Airport Lounge Access |
| ADCB TouchPoints Platinum Credit Cards | 1 TouchPoint for AED spent | Free first year followed by AED 600 | Monthly Interest rate of 3.59% | Talabat Discounts, VOX Cinemas Offers |
| CBI Rewards Platinum Mastercard | On cinema tickets, you’ll get 100% cashback | AED 0 | 3.45% | Free movie tickets and Airport Lounge Access |
Note: These are some of the Credit Card Offers, check on their official website for more details.
Points to Consider while Selecting a Credit Card
We’ve given you a short overview of the types of credit cards and their cashback offers as well. But if you are having trouble selecting one, then look at the points below. Here we will tell you the things to consider while looking for a perfect credit card. Let’s have a look at them:
-
Redemption Options
This is an important aspect that you must consider while taking a credit card. Some of the cards have restrictions on the amount of cashback one can receive. Be sure to check all these terms and conditions before you finalize a decision.
-
Purchasing Categories and Cashback Rates
Seek out credit cards that provide substantial cashback rates in areas that correspond with your purchasing patterns. For instance, pick a card that offers rewards for travel, dining, and grocery if you spend a lot of money on these areas.
-
Interest Rates and yearly costs
Examine the interest rates and yearly costs associated with various credit cards. Certain cards could have higher interest rates but no annual fee. Others may demand an annual fee yet provide lower interest rates. To determine the most economical choice, weigh these expenses.
Final Thoughts!
Your spending patterns and the categories you spend the most on will determine which credit card offers the highest reward. For instance, up to 10% cashback is available on groceries, dining, education, and telecom costs when using the Emirates Islamic Cashback Plus Credit Card. For people who spend a lot of money in these areas, this makes it one of the greatest cashback credit cards. To pick the card that maximizes your benefits, always evaluate the spending categories and cashback rates.