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Dubai First Cashback cashback rate, cap and annual fee

Dubai First Cashback pays 5% on groceries — on the first AED 3,000 you spend on it each month, which is where the AED 150 cap stops it. The card costs AED 418.95 a year.

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.

Dubai First · United Arab Emirates · catalogue v121

Read from Dubai First's own published terms on 29 Oct 2026.

AED 418.95Annual fee
AED 1,000Cap across the whole card
5%Best rate

What it pays, by category

SpendingRateMonthly cap
groceries5.00%AED 150reached at AED 3,000 of spend5% at supermarkets and groceries (MCC 5411), in the UAE in dirhams, online included. AED 150 a cycle.
dining5.00%AED 150reached at AED 3,000 of spend5% at restaurants and fast food, in the UAE in dirhams. AED 150 a cycle. Catering (MCC 5811) is on the reduced list instead.
fuel5.00%AED 150reached at AED 3,000 of spend5% at petrol stations (MCC 5541, 5542), in the UAE in dirhams. AED 150 a cycle.
everything else0.50%—0.5% on all other retail spending in the UAE and abroad, including dining and groceries bought abroad. Cashback is rounded per transaction to the near
government0.15%—0.15% on government, utility and transit payments.
phone and internet0.15%—0.15% on telecom and cable (MCC 4814, 4816, 4899).
education0.15%—0.15% on schools and education.
rent and property0.15%—0.15% on real estate.
public transport, taxis and tollstravel0.15%—0.15% on public transport, taxis and road tolls.
insurance, charity and the reduced listeverything else0.15%—0.15% on insurance, charity, bookstores, florists, photo studios, catering and laundry.
5% on groceries, dining and fuel, but only in the UAE and in dirhams, each capped at AED 150 a statement cycle; 0.5% on everything else at home and abroad; 0.15% on government, utilities, transit, telecoms, schools, real estate, insurance and charity; nothing on cash and quasi-cash. AED 1,000 of cashback a cycle at most. No minimum spend. The detail that matters for small purchases: cashback is worked out per transaction, rounded to the nearest dirham, and nothing is posted below AED 0.50, so a 0.5% purchase under AED 100 earns nothing. Redeemed instantly in the Dubai First app. AED 399 a year plus VAT. International transaction fee 2.88% plus scheme charges, before VAT. Source: dubaifirst.com Cashback card page, Dubai First Cashback Rewards terms (April 2025, version 2) and the Credit Card Services and Price Guide, read 29 Oct 2026.

Questions people ask

What cashback does the Dubai First Cashback pay?

5% on groceries, and 9 other rates.

Is there a cap on the Dubai First Cashback?

Yes — AED 1,000 a month across the whole card, however you split your spending.

What is the annual fee on the Dubai First Cashback?

AED 418.95 a year.

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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Other United Arab Emirates cards read off the issuer