Best cards for dining
Ranked by the reward rate each bank publishes for restaurants, cafés and food delivery. Ties go to the lower annual fee. Check the small print on each card page: caps and minimum spends can change the real return.
Cashback
RAKBANK · AED 997.510%2Live+ Credit Card
HSBC UAE · AED 313.956%3Cashback Credit Card
Al Hilal Bank · No fee5%4Cashback Card
Mashreq · No fee5%5Titanium Cashback
RAKBANK · No fee5%6FAB Islamic Cashback Credit Card
First Abu Dhabi Bank · AED 3005%7FAB Cashback
First Abu Dhabi Bank · AED 3155%8Cashback Card
Dubai First · AED 418.955%9Elevate Credit Card
RAKBANK · No fee3%10FAB Z Card
First Abu Dhabi Bank · AED 1053%
Points
Ajman Bank · No fee7%2SHAMS Platinum
Dubai Islamic Bank · AED 52510 pts (≈5%)3SHAMS Signature
Dubai Islamic Bank · AED 1,05010 pts (≈5%)4SHAMS Infinite
Dubai Islamic Bank · AED 2,00010 pts (≈5%)5SHARE Visa Private
Emirates NBD · AED 1,5752%6Visa Infinite Credit Card
Emirates NBD · AED 1,5752%7Prime Infinite Card
Dubai Islamic Bank · No fee3 pts (≈1.5%)8Shukran ADCB Credit Card
ADCB · AED 262.51.5%9Mastercard Platinum
Emirates NBD · AED 3001.5%10Visa Flexi Credit Card
Emirates NBD · AED 7351.5%
Miles
Emirates Islamic · AED 9993 miles2Emarati Card
Emirates Islamic · No fee2.5 miles3Skywards Infinite
Emirates Islamic · AED 9992.25 miles4FAB Etihad Guest Infinite
First Abu Dhabi Bank · AED 2,6252 miles5Emirates Skywards Signature
HSBC UAE · AED 1,0501.75 miles6Skywards Signature
Emirates Islamic · AED 2991.5 miles7Al Hilal Etihad Guest Signature
Al Hilal Bank · AED 7871.5 miles8Emirates Skywards Infinite
HSBC UAE · AED 2,6251 miles9Etihad Guest Elevate
Emirates NBD · AED 1,5750.75 miles10Citi Ultima
Citibank · AED 5,2500.68 miles
Cashback is a percentage of spend. Points and miles are shown the way each bank states them: as % back, or as points or miles per AED 1, with an approximate % value (≈) where the bank publishes what a point is worth. Miles and hotel points have no fixed cash value, so they are never converted. Cashback, points and miles are ranked separately.
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