Card comparison

Mashreq Cashback Credit Card vs Dubai First Cashback Credit Card vs 365 Cashback Credit Card vs Essential Cashback Credit Card

Compare Mashreq Cashback Credit Card from Mashreq, Dubai First Cashback Credit Card from Dubai First, 365 Cashback Credit Card from Abu Dhabi Commercial…

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Compare key facts

Mashreq Cashback Credit Card card imageMashreq Cashback Credit CardMashreqDubai First Cashback Credit Card card imageDubai First Cashback Credit CardDubai First365 Cashback Credit Card card image365 Cashback Credit CardAbu Dhabi Commercial BankEssential Cashback Credit Card card imageEssential Cashback Credit CardAbu Dhabi Commercial Bank

Rewards

Reward details

Mashreq Cashback Credit Card
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
  • Cashback
  • Dining
Dubai First Cashback Credit Card
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • Cashback
  • Lounge
  • Dining
365 Cashback Credit Card
  • Cashback
  • Lounge
  • Dining
  • Groceries
  • Fuel
  • Travel
  • Cinema
  • Islamic
Essential Cashback Credit Card
  • Cashback
  • Lounge
  • Dining
  • Travel
  • Cinema
  • Islamic
  • Low fee

Eligibility

Minimum Salary

Mashreq Cashback Credit CardAED 5,000
Dubai First Cashback Credit CardAED 5,000
365 Cashback Credit CardAED 8,000
Essential Cashback Credit CardAED 5,000

Salary Transfer Required

Mashreq Cashback Credit CardNot listed
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardNo
Essential Cashback Credit CardNo

Required Documents

Mashreq Cashback Credit Card
  • Valid Emirates ID - Proof of identity - A valid Emirates ID
  • Proof of income - Salary certificate or bank statements - Latest 3 months bank statements or salary certificate
  • Passport copy - Proof of residency - Valid passport copy
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardNot listed
Essential Cashback Credit Card
  • Valid Emirates ID - Proof of identity - A valid Emirates ID
  • Salary Certificate or Bank Statements - Proof of income - Latest 3 months bank statements or salary certificate

Fees and rates

Annual Fee

Mashreq Cashback Credit CardAED 0
Dubai First Cashback Credit CardFirst year free; subsequent fee is listed in the current schedule of charges
365 Cashback Credit CardFree
Essential Cashback Credit CardFree

Joining Fee

Mashreq Cashback Credit CardNot listed
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardNot listed
Essential Cashback Credit Cardfree

First Year Annual Fee

Mashreq Cashback Credit CardAED 0
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardAED 0
Essential Cashback Credit CardNot listed

Foreign Transaction Fee

Mashreq Cashback Credit Card2.89%
Dubai First Cashback Credit Card2.88%
365 Cashback Credit Card2.99%
Essential Cashback Credit Card2.99%

APR

Mashreq Cashback Credit Card46.2% APR
Dubai First Cashback Credit Card47.88% APR
365 Cashback Credit Card44.28% APR
Essential Cashback Credit Card44.28% APR

Cash Advance Fee

Mashreq Cashback Credit CardAED 3.15
Dubai First Cashback Credit CardAED 3
365 Cashback Credit CardNot listed
Essential Cashback Credit CardNot listed

Late Payment Fee

Mashreq Cashback Credit CardAED 241.5
Dubai First Cashback Credit CardAED 230
365 Cashback Credit CardNot listed
Essential Cashback Credit CardNot listed

Cashback and rewards

Cashback details

Mashreq Cashback Credit Card
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
Dubai First Cashback Credit Card
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • A Dubai First credit card with category cashback and a published AED 5,000 minimum salary requirement.
365 Cashback Credit Card
  • Up to 6% cashback on everyday spends
  • Up to AED 1,000 monthly cashback
  • 3% cashback on utilities, fuel & telco
  • 6% cashback on dining
  • 1% cashback on all other spends
  • Automatic credit of cashback on monthly statement
Essential Cashback Credit Card
  • 1% cashback on all purchasess
  • Up to AED 1000 cashback every month
  • 1% cashback on all purchases
  • Up to AED 70 cashback per month on movies tickets purchased online
  • Cashback on booking.com
  • Transform daily spends into cashback

Rewards

Mashreq Cashback Credit Card
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
  • Cashback
  • Dining
Dubai First Cashback Credit Card
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • Cashback
  • Lounge
  • Dining
365 Cashback Credit Card
  • Cashback
  • Lounge
  • Dining
  • Groceries
  • Fuel
  • Travel
  • Cinema
  • Islamic
Essential Cashback Credit Card
  • Cashback
  • Lounge
  • Dining
  • Travel
  • Cinema
  • Islamic
  • Low fee

Headline cashback

Mashreq Cashback Credit Card
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
Dubai First Cashback Credit Card
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • A Dubai First credit card with category cashback and a published AED 5,000 minimum salary requirement.
365 Cashback Credit Card
  • Up to 6% cashback on everyday spends
  • Up to AED 1,000 monthly cashback
  • 3% cashback on utilities, fuel & telco
  • 6% cashback on dining
  • 1% cashback on all other spends
  • Automatic credit of cashback on monthly statement
Essential Cashback Credit Card
  • 1% cashback on all purchasess
  • Up to AED 1000 cashback every month
  • 1% cashback on all purchases
  • Up to AED 70 cashback per month on movies tickets purchased online
  • Cashback on booking.com
  • Transform daily spends into cashback

Welcome Bonus

Mashreq Cashback Credit Card
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
  • Cashback
  • Dining
Dubai First Cashback Credit Card
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • Cashback
  • Lounge
  • Dining
365 Cashback Credit Card
  • Cashback
  • Lounge
  • Dining
  • Groceries
  • Fuel
  • Travel
  • Cinema
  • Islamic
Essential Cashback Credit Card
  • Cashback
  • Lounge
  • Dining
  • Travel
  • Cinema
  • Islamic
  • Low fee

Monthly cashback cap

Mashreq Cashback Credit Card
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
Dubai First Cashback Credit Card
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • A Dubai First credit card with category cashback and a published AED 5,000 minimum salary requirement.
365 Cashback Credit Card
  • Up to 6% cashback on everyday spends
  • Up to AED 1,000 monthly cashback
  • 3% cashback on utilities, fuel & telco
  • 6% cashback on dining
  • 1% cashback on all other spends
  • Automatic credit of cashback on monthly statement
Essential Cashback Credit Card
  • 1% cashback on all purchasess
  • Up to AED 1000 cashback every month
  • 1% cashback on all purchases
  • Up to AED 70 cashback per month on movies tickets purchased online
  • Cashback on booking.com
  • Transform daily spends into cashback

Travel

Airport Lounge Access

Mashreq Cashback Credit CardNot listed
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardNot listed
Essential Cashback Credit Cardmentioned

Card Network

Mashreq Cashback Credit CardVisa
Dubai First Cashback Credit CardMastercard
365 Cashback Credit CardVisa
Essential Cashback Credit CardVisa

Lifestyle

Lifestyle Benefits

Mashreq Cashback Credit CardVisa Offers MENA powered by Entertainer; DragonFly & Dine dining discounts; Easy Payment Plan
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardNot listed
Essential Cashback Credit CardNot listed

Card type

Sharia Compliant

Mashreq Cashback Credit CardYes
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardNo
Essential Cashback Credit CardNo

Islamic

Mashreq Cashback Credit CardNot listed
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardNo
Essential Cashback Credit CardNo

Other useful facts

Minimum Credit Limit

Mashreq Cashback Credit CardNot listed
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardAED 15,000
Essential Cashback Credit CardAED 3,000

APR

Mashreq Cashback Credit Card46.2%
Dubai First Cashback Credit Card47.88%
365 Cashback Credit Card44.28%
Essential Cashback Credit Card44.28%

Monthly purchase rate

Mashreq Cashback Credit CardNot listed
Dubai First Cashback Credit CardNot listed
365 Cashback Credit Card3.69%
Essential Cashback Credit Card3.69%

Movie Benefit

Mashreq Cashback Credit Card50% off Cinepolis Deluxe-Plus seats, up to 8 tickets per month until 31 December 2026
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardBuy1-Get1 free movie tickets at VOX Cinemas; Buy1-Get1 free movie tickets at VOX cinemas
Essential Cashback Credit CardNot listed

Monthly card finance rate

Mashreq Cashback Credit Card7.49%
Dubai First Cashback Credit CardNot listed
365 Cashback Credit Card3.69%
Essential Cashback Credit Card3.69%

Coverage Amount

Mashreq Cashback Credit CardAED 2,000,000
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardNot listed
Essential Cashback Credit CardNot listed

Max Age At Expiry

Mashreq Cashback Credit Card70 years
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardNot listed
Essential Cashback Credit CardNot listed

Max Age At Entry

Mashreq Cashback Credit Card64 years
Dubai First Cashback Credit CardNot listed
365 Cashback Credit CardNot listed
Essential Cashback Credit CardNot listed
EligibilityFees & ratesCashback & rewardsTravelLifestyleCard typeOther useful facts
Field Mashreq Cashback Credit Card card imageMashreq Cashback Credit CardMashreqDubai First Cashback Credit Card card imageDubai First Cashback Credit CardDubai First365 Cashback Credit Card card image365 Cashback Credit CardAbu Dhabi Commercial BankEssential Cashback Credit Card card imageEssential Cashback Credit CardAbu Dhabi Commercial Bank
Rewards
Reward details
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
  • Cashback
  • Dining
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • Cashback
  • Lounge
  • Dining
  • Cashback
  • Lounge
  • Dining
  • Groceries
  • Fuel
  • Travel
  • Cinema
  • Islamic
  • Cashback
  • Lounge
  • Dining
  • Travel
  • Cinema
  • Islamic
  • Low fee
Eligibility
Minimum Salary AED 5,000AED 5,000AED 8,000AED 5,000
Salary Transfer Required Not listedNot listedNoNo
Required Documents
  • Valid Emirates ID - Proof of identity - A valid Emirates ID
  • Proof of income - Salary certificate or bank statements - Latest 3 months bank statements or salary certificate
  • Passport copy - Proof of residency - Valid passport copy
Not listedNot listed
  • Valid Emirates ID - Proof of identity - A valid Emirates ID
  • Salary Certificate or Bank Statements - Proof of income - Latest 3 months bank statements or salary certificate
Fees and rates
Annual Fee AED 0First year free; subsequent fee is listed in the current schedule of chargesFreeFree
Joining Fee Not listedNot listedNot listedfree
First Year Annual Fee AED 0Not listedAED 0Not listed
Foreign Transaction Fee 2.89%2.88%2.99%2.99%
APR 46.2% APR47.88% APR44.28% APR44.28% APR
Cash Advance Fee AED 3.15AED 3Not listedNot listed
Late Payment Fee AED 241.5AED 230Not listedNot listed
Cashback and rewards
Cashback details
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • A Dubai First credit card with category cashback and a published AED 5,000 minimum salary requirement.
  • Up to 6% cashback on everyday spends
  • Up to AED 1,000 monthly cashback
  • 3% cashback on utilities, fuel & telco
  • 6% cashback on dining
  • 1% cashback on all other spends
  • Automatic credit of cashback on monthly statement
  • 1% cashback on all purchasess
  • Up to AED 1000 cashback every month
  • 1% cashback on all purchases
  • Up to AED 70 cashback per month on movies tickets purchased online
  • Cashback on booking.com
  • Transform daily spends into cashback
Rewards
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
  • Cashback
  • Dining
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • Cashback
  • Lounge
  • Dining
  • Cashback
  • Lounge
  • Dining
  • Groceries
  • Fuel
  • Travel
  • Cinema
  • Islamic
  • Cashback
  • Lounge
  • Dining
  • Travel
  • Cinema
  • Islamic
  • Low fee
Headline cashback
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • A Dubai First credit card with category cashback and a published AED 5,000 minimum salary requirement.
  • Up to 6% cashback on everyday spends
  • Up to AED 1,000 monthly cashback
  • 3% cashback on utilities, fuel & telco
  • 6% cashback on dining
  • 1% cashback on all other spends
  • Automatic credit of cashback on monthly statement
  • 1% cashback on all purchasess
  • Up to AED 1000 cashback every month
  • 1% cashback on all purchases
  • Up to AED 70 cashback per month on movies tickets purchased online
  • Cashback on booking.com
  • Transform daily spends into cashback
Welcome Bonus
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
  • Cashback
  • Dining
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • Cashback
  • Lounge
  • Dining
  • Cashback
  • Lounge
  • Dining
  • Groceries
  • Fuel
  • Travel
  • Cinema
  • Islamic
  • Cashback
  • Lounge
  • Dining
  • Travel
  • Cinema
  • Islamic
  • Low fee
Monthly cashback cap
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • A Dubai First credit card with category cashback and a published AED 5,000 minimum salary requirement.
  • Up to 6% cashback on everyday spends
  • Up to AED 1,000 monthly cashback
  • 3% cashback on utilities, fuel & telco
  • 6% cashback on dining
  • 1% cashback on all other spends
  • Automatic credit of cashback on monthly statement
  • 1% cashback on all purchasess
  • Up to AED 1000 cashback every month
  • 1% cashback on all purchases
  • Up to AED 70 cashback per month on movies tickets purchased online
  • Cashback on booking.com
  • Transform daily spends into cashback
Travel
Airport Lounge Access Not listedNot listedNot listedmentioned
Card Network VisaMastercardVisaVisa
Lifestyle
Lifestyle Benefits Visa Offers MENA powered by Entertainer; DragonFly & Dine dining discounts; Easy Payment PlanNot listedNot listedNot listed
Card type
Sharia Compliant YesNot listedNoNo
Islamic Not listedNot listedNoNo
Other useful facts
Minimum Credit Limit Not listedNot listedAED 15,000AED 3,000
APR 46.2%47.88%44.28%44.28%
Monthly purchase rate Not listedNot listed3.69%3.69%
Movie Benefit 50% off Cinepolis Deluxe-Plus seats, up to 8 tickets per month until 31 December 2026Not listedBuy1-Get1 free movie tickets at VOX Cinemas; Buy1-Get1 free movie tickets at VOX cinemasNot listed
Monthly card finance rate 7.49%Not listed3.69%3.69%
Coverage Amount AED 2,000,000Not listedNot listedNot listed
Max Age At Expiry 70 yearsNot listedNot listedNot listed
Max Age At Entry 64 yearsNot listedNot listedNot listed

Compare options

Top Credit Cards to compare

Select Product Bank Annual feeSalaryAPRCashback*RewardsNetwork Details
Mashreq Cashback Credit Card product image Mashreq Cashback Credit CardCashback · Dining · Low fee Mashreq AED 0AED 5,00046.2% APR
  • 5% cashback on local and international dining spends
  • 1% cashback on other international spends
  • Up to 1% cashback on local spends
  • 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends
  • 20% cashback for the first 4 months on selected merchants like Netflix, Talabat and Careem, capped at AED 50 per merchant per month
  • Cashback - Up to 5% cashback
Cashback iconDining iconLow fee iconVisa Details
Dubai First Cashback Credit Card product image Dubai First Cashback Credit CardCashback · Lounge · Dining Dubai First First year free; subsequent fee is listed in the current schedule of chargesAED 5,00047.88% APR
  • 5% cashback on groceries
  • 5% cashback on dining out
  • 5% cashback on fuel
  • Cashback in each 5% category is capped at AED 150 per month
  • 0.5% cashback on all other spending in the UAE and abroad
  • A Dubai First credit card with category cashback and a published AED 5,000 minimum salary requirement.
Cashback iconLounge iconDining iconGroceries iconFuel iconLow fee iconMastercard Details
365 Cashback Credit Card product image 365 Cashback Credit CardCashback · Lounge · Dining Abu Dhabi Commercial Bank FreeAED 8,00044.28% APR
  • Up to 6% cashback on everyday spends
  • Up to AED 1,000 monthly cashback
  • 3% cashback on utilities, fuel & telco
  • 6% cashback on dining
  • 1% cashback on all other spends
  • Automatic credit of cashback on monthly statement
Cashback iconLounge iconDining iconGroceries iconFuel iconTravel iconCinema iconIslamic iconVisa Details
Essential Cashback Credit Card product image Essential Cashback Credit CardCashback · Lounge · Dining Abu Dhabi Commercial Bank FreeAED 5,00044.28% APR
  • 1% cashback on all purchasess
  • Up to AED 1000 cashback every month
  • 1% cashback on all purchases
  • Up to AED 70 cashback per month on movies tickets purchased online
  • Cashback on booking.com
  • Transform daily spends into cashback
Cashback iconLounge iconDining iconTravel iconCinema iconIslamic iconLow fee iconVisa Details

APR means Annualized Percentage Rate: the yearly cost rate used for unpaid card balances. If a bank lists only a monthly retail/cash finance rate, we show monthly rate × 12 as APR. Cashback and rewards usually have caps, eligible categories, and terms.

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Select up to four products above.