Al Hilal Cashback cashback rate, cap and annual fee
Al Hilal Cashback pays 5% at groceries, if chosen, over AED 8,000 of retail spend in the month — on the first AED 5,000 you spend on it each month, which is where the AED 250 cap stops it.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
Al Hilal Bank · United Arab Emirates · catalogue v121
Read from Al Hilal Bank's own published terms on 30 Oct 2026.
NoneAnnual fee
AED 500Cap across the whole card
5%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| groceries, if chosen, over AED 8,000 of retail spend in the monthgroceries | 5.00% | AED 250reached at AED 5,000 of spend5% on groceries and supermarkets (MCC 5411) if chosen and the month's retail spend is over AED 8,000 of retail spend in the month; AED 250 a month for |
| fuel, if chosen, over AED 8,000 of retail spend in the monthfuel | 5.00% | AED 250reached at AED 5,000 of spend5% on fuel (5541, 5542) if chosen and the month's retail spend is over AED 8,000 of retail spend in the month; AED 250 a month for the category. |
| dining, if chosen, over AED 8,000 of retail spend in the monthdining | 5.00% | AED 250reached at AED 5,000 of spend5% on dining (5812, 5814) if chosen and the month's retail spend is over AED 8,000 of retail spend in the month; AED 250 a month for the category. |
| education, if chosen, over AED 8,000 of retail spend in the montheducation | 5.00% | AED 250reached at AED 5,000 of spend5% on education (8211, 8220, 8241, 8244, 8249, 8299) if chosen and the month's retail spend is over AED 8,000 of retail spend in the month; AED 250 a |
| international outside the EEA, if chosen, over AED 8,000 of retail spend in the montheverything else | 5.00% | AED 250reached at AED 5,000 of spend5% on international spend outside the EEA if chosen and the month's retail spend is over AED 8,000 of retail spend in the month; AED 250 a month. |
| groceries, if chosen, AED 3,000.01 to 8,000 of retail spend in the monthgroceries | 3.00% | AED 250reached at AED 8,300 of spend3% on groceries and supermarkets (MCC 5411) if chosen as one of the two categories and the month's retail spend is AED 3,000.01 to 8,000 of retail spe |
| fuel, if chosen, AED 3,000.01 to 8,000 of retail spend in the monthfuel | 3.00% | AED 250reached at AED 8,300 of spend3% on fuel (5541, 5542) if chosen as one of the two categories and the month's retail spend is AED 3,000.01 to 8,000 of retail spend in the month; AED |
| dining, if chosen, AED 3,000.01 to 8,000 of retail spend in the monthdining | 3.00% | AED 250reached at AED 8,300 of spend3% on dining (5812, 5814) if chosen as one of the two categories and the month's retail spend is AED 3,000.01 to 8,000 of retail spend in the month; A |
| education, if chosen, AED 3,000.01 to 8,000 of retail spend in the montheducation | 3.00% | AED 250reached at AED 8,300 of spend3% on education (8211, 8220, 8241, 8244, 8249, 8299) if chosen as one of the two categories and the month's retail spend is AED 3,000.01 to 8,000 of r |
| international outside the EEA, if chosen, AED 3,000.01 to 8,000 of retail spend in the montheverything else | 3.00% | AED 250reached at AED 8,300 of spend3% on spend in foreign currency or outside the UAE, if chosen and the month's retail spend is AED 3,000.01 to 8,000 of retail spend in the month; the |
| everything else | 1.00% | —1% on all other retail spend, and on the two chosen categories in a month under AED 3,000 of retail spend. |
| government | None | —Government MCCs (fines, tax, court costs, 9211 to 9405) and utility bills paid in the Al Hilal app earn nothing; utilities paid elsewhere earn 1%, and |
| tolls, rail, buses and local transport | None | —Tolls (4784), local commuter transport (4111), rail and buses (4112, 4131) earn nothing. |
Cashback, credited to the card by the 15th of the next month. The holder picks two of groceries, fuel, dining, education and international; those pay 1% in a month under AED 3,000 of retail spend, 3% to AED 8,000 and 5% above, AED 250 a month each and AED 500 for the card. Every chosen rate is tagged; the untagged rate is 1%. Changing the choice is free twice a year, then AED 25. Fixed: the fee was blank; the schedule of fees (Sep 2026) says free. 3.14% foreign exchange markup. Mastercard. Source: alhilalbank.ae Cashback Credit Card page, its terms and the schedule of fees, read 30 Oct 2026.
Questions people ask
What cashback does the Al Hilal Cashback pay?
5% at groceries, if chosen, over AED 8,000 of retail spend in the month, and 10 other rates.
Is there a cap on the Al Hilal Cashback?
Yes — AED 500 a month across the whole card, however you split your spending.
What is the annual fee on the Al Hilal Cashback?
No annual fee.
Knowing the rate is not the same as remembering it
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. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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