Best credit cards in Qatar, by what they actually pay

Every card in the Qatar catalogue, ranked by what it genuinely returns on each kind of spending — after the monthly cap, and after the minimum spend some cards require before any bonus rate applies.

19 cards · catalogue v101 · 1 of 19 read from the issuer's own terms

The best rate here with nothing attached to it

QIIB Wajaha Infinite pays 0.75% on everything else with no monthly cap and no minimum spend to unlock it — which is rarer, and worth more over a year, than most of the larger numbers in the table below.

The 1 Qatar card read off the issuer

Every rate on this page came from somewhere. These ones came from the bank's own published terms, read by a person on the date shown, with the cap and the minimum spend that the comparison tables leave out. Each has its own page.

Doha Bank Cashback Mastercard WorldDoha Bank · checked 14 Sep 2026

Every category in Qatar

In the order people spend, not biggest number first. The highest rate on a card is routinely the one that means least, so what limits it is shown beside it.

Best published return per category in Qatar, from 19 cards. The headline rate is one that covers the whole category; where a bigger rate covers only part of it, that is shown underneath with what it covers.
Spending on	Best return	Card
groceries	3.00%	Doha Bank Cashback Mastercard WorldcheckedDoha Bank · QAR 400 a yearat most QAR 100 back a month; needs QAR 2,500 a month on the card first
fuel	3.00%	Doha Bank Cashback Mastercard WorldcheckedDoha Bank · QAR 400 a yearat most QAR 100 back a month; needs QAR 2,500 a month on the card first
supermarkets	10.00%on Barwa City Branch promotional period	Doha Bank LuLu Platinum MastercardDoha Bankat most QAR 300 back a month
online and delivery	3.00%	Doha Bank Cashback Mastercard WorldcheckedDoha Bank · QAR 400 a yearat most QAR 100 back a month; needs QAR 2,500 a month on the card first
travel	2.00%on Qatar Airways flight tickets booked via portal or app	Doha Bank Qatar Airways Privilege Club Visa InfiniteDoha Bank · QAR 800 a year
phone and internet	3.00%	Doha Bank Cashback Mastercard WorldcheckedDoha Bank · QAR 400 a yearat most QAR 100 back a month; needs QAR 2,500 a month on the card first
entertainment	50.00%	Doha Bank Cashback Mastercard WorldcheckedDoha Bank · QAR 400 a yearat most QAR 100 back a month; needs QAR 2,500 a month on the card first
education	3.00%	Doha Bank Cashback Mastercard WorldcheckedDoha Bank · QAR 400 a yearat most QAR 100 back a month; needs QAR 2,500 a month on the card first
government	0.30%	QIB Signature Credit CardQatar Islamic Bank · QAR 500 a year
rent and property	0.20%on insurance, real estate, rental payments	Doha Bank LuLu Platinum MastercardDoha Bank
everything else	0.75%or 1.00% (outside Lulu: electronics & furniture), with Doha Bank LuLu Platinum Mastercard	QIIB Wajaha InfiniteQatar International Islamic Bank

How these were worked out. 1 of the 19 cards here have been read against the issuer's own terms line by line and are marked checked in the tables below. The rest come from each issuer's published material and have not been checked that way. Every rate is converted to what the card actually returns — points and miles are valued at the redemption rate the programme publishes, using the rate anyone can take rather than the best one available after a transfer. Where a card's programme publishes no redemption value, the card is left off this page rather than listed at a number that would be a guess. Caps and minimum monthly spends are shown because they are usually what decides whether a headline rate is real.

This is a table. Your wallet is a decision.

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and needs no bank connection.

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Other markets

The same working, for the other countries in the catalogue.