Start with the card's exact earning rule for this expense. A headline reward may apply only at selected merchants, after a minimum spend, or up to a monthly cap.
What this means for you
Groceries and school fees are large regular costs, so a small difference in the real earning rate can matter more than a welcome offer.
A simple way to decide
- 1 Estimate monthly spend
- 2 Apply the real rate and cap
- 3 Subtract yearly fees
Before you apply
- Check which merchant category earns the reward.
- Check minimum spend and monthly caps.
- Confirm whether wallet, online, or instalment payments are excluded.
- Use the official product page and key facts statement before applying. If a value is missing, ask the bank instead of assuming it.
Words you may see
- Cashback cap
- The most cashback the bank will pay in a month or statement period.
- Eligible spend
- Purchases that count for cashback. Some payments may be excluded.
- Minimum spend
- The amount you may need to spend before a reward applies.
Cards worth checking for this need
These are useful starting points from the cards in the comparison table. They are not paid placements or promises of approval.
Abu Dhabi Commercial BankTalabat ADCB Credit CardThe bank publishes cashback categories or rates
- Salary
- AED 5,000
- Annual fee
- Free
- Cashback
- Cashback - 35% back on Talabat orders - 35% back on talabat orders
- Published reward
- Welcome Bonus - Up to AED 750 talabat credit - welcomeOffer: Up to AED 750 talabat credit
Emirates NBDU By Emaar Signature Credit CardThe bank publishes cashback categories or rates
- Salary
- AED 12,000
- Annual fee
- AED 262.5
- Cashback
- 25% cashback, lounge access, and promotional offers.
- Published reward
- Cashback
First Abu Dhabi BankFAB GEMS World Credit CardThe bank publishes cashback categories or rates
- Salary
- AED 8,000
- Annual fee
- AED 0
- Cashback
- 10% cashback on school bus transport, canteen, uniform and extracurricular spends
- Published reward
- 2% cashback on international spending
Emirates IslamicCashback Plus CardThe bank publishes cashback categories or rates
- Salary
- AED 12,000
- Annual fee
- AED 313.95
- Cashback
- Up to 10% cashback on groceries
- Published reward
- Up to 10% cashback on education
Official sources used
These bank pages, Key Facts Statements, fee schedules and terms support the product details in this guide. Open the latest version before applying.
- FAB Credit Cards Service and Pricing GuideFirst Abu Dhabi Bank · Fees-and-charges
- FAB Rewards Terms and ConditionsFirst Abu Dhabi Bank · Terms-and-conditions
- Emirates Islamic credit cards KFSEmirates Islamic · Key-facts-statement
- Emirates Islamic credit cards KFS pageEmirates Islamic · Key-facts-page
- ADCB Credit Cards KFSAbu Dhabi Commercial Bank · Key-facts-statement
- ADCB Terms and ConditionsAbu Dhabi Commercial Bank · Terms-and-conditions
- ADIB Covered Cards KFSAbu Dhabi Islamic Bank · Key-facts-statement
- ADIB Covered Cards Schedule of ChargesAbu Dhabi Islamic Bank · Schedule-of-charges
- Emirates NBD getallcards APIEmirates NBD · Source-feed
- Emirates NBD credit cards KFSEmirates NBD · Key-facts-statement
- SIB Cashback Covered Cards Key Facts PDFSharjah Islamic Bank · Key-facts-statement
- SIB Cashback Covered Cards Key Facts HTMLSharjah Islamic Bank · Key-facts-statement
- Ajman Bank credit card KFSAjman Bank · Key-facts-statement
- Ajman Bank tariff charges formAjman Bank · Fees-guide
