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Elevate Credit Card
Cashback card earning AED Cashback. Strongest on groceries at 3.2%.
Reward rates by category
| Category | Rate | Notes from the bank’s terms |
|---|---|---|
| Dining | 3% | 3% dining cashback |
| Groceries | 3.2% | |
| Fuel | Under review | 2% fuel — flexible monthly fee model |
| Travel | 3.2% | |
| Online shopping | 3.2% | |
| Cinema | 2% | 50% off VOX Cinemas |
| International spend | 3.2% |
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. “Under review” means our recorded rate didn’t match the bank’s wording, so we’re re-checking it and it isn’t used in any ranking until then.
Benefits
- No annual fee; a monthly fee (AED 49 + VAT on Prime) in months you miss your tier's spend target
- First 3 months free
- Access to 1,300+ airport lounges (needs a foreign purchase every 3 months)
- Free airport transfers
- Medical and travel delay cover
- Free Careem Plus
- 2 free chauffeured rides a month
- 50% off VOX Cinemas
- Up to AED 200 back on streaming
- Premium gym pass and free padel
- 24/7 concierge
From RAKBANK’s website, checked October 2026. Welcome offers and perks change often.
Last checked against the bank’s terms on 28 Aug 2026. Rates, fees and eligibility change often. Always confirm on RAKBANK’s own page before applying. Spotted something wrong? Tell us.
Other cashback cards for groceries
Commercial Bank of Dubai · AED 42010%2World Mastercard
RAKBANK · AED 997.510%3Cashback Credit Card
Al Hilal Bank · No fee5%4Cashback Card
Dubai First · AED 418.955%
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