Which credit card pays the most on dining in the United Arab Emirates?
Of the cards whose terms were read off the issuer, RAKBANK World (RAKBANK) publishes the highest rate on dining in the United Arab Emirates: 10.00% (at most AED 300 back a month; needs AED 10,000 a month on the card first; AED 997.50 a year, waived above AED 100,000 of spending a year). This is a ranking of published rates, not a recommendation to apply.
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.
31 read cards · United Arab Emirates · dining
The answer, from 31 read cards
Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.
| # | Return | Card |
|---|---|---|
| 1 | 10.00% | RAKBANK WorldcheckedRAKBANK · AED 997.50 a year, waived above AED 100,000 of spending a year · checked 19 Sep 2026at most AED 300 back a month; needs AED 10,000 a month on the card first |
| 2 | 10.00% | RAKislamic WorldcheckedRAKBANK Islamic · AED 997.50 a year, waived above AED 100,000 of spending a year · checked 19 Sep 2026at most AED 300 back a month; needs AED 10,000 a month on the card first |
| 3 | 7.00% | ADCB Emirati IslamiccheckedADCB Islamic · AED 945 a year · checked 19 Sep 2026needs AED 7,000 a month on the card first |
| 4 | 7.00%or 50.00% (only at refreshments and snacks; at most AED 100 back a month; needs AED 5,000 a month on the card first) | Ajman LIFE World CashbackcheckedAjman Bank · AED 630 a year · checked 19 Sep 2026at most AED 100 back a month; needs AED 5,000 a month on the card first |
| 5 | 6.00% | ADCB 365 CashbackcheckedADCB · AED 383.25 a year · checked 18 Sep 2026needs AED 5,000 a month on the card first |
| 6 | 6.00% | ADCB Islamic 365 CashbackcheckedADCB Islamic · AED 383.25 a year · checked 18 Sep 2026needs AED 5,000 a month on the card first |
| 7 | 6.00% | HSBC Live+ CashbackcheckedHSBC · AED 313.95 a year, waived above AED 12,000 of spending a year · checked 17 Aug 2026at most AED 200 back a month; needs AED 3,000 a month on the card first; the terms say: Restaurants and cafes. AED 200 per statement cycle on this category alone, and only in months you spend AED 3,000 or more. |
| 8 | 5.00%or 50.00% (only at refreshments and snacks; at most AED 50 back a month; needs AED 3,000 a month on the card first) | Ajman LIFE Platinum CashbackcheckedAjman Bank · no annual fee · checked 19 Sep 2026at most AED 50 back a month; needs AED 3,000 a month on the card first |
| 9 | 5.00% | FAB CashbackcheckedFirst Abu Dhabi Bank · AED 300 a year · checked 17 Aug 2026at most AED 150 back a month; needs AED 3,000 a month on the card first |
| 10 | 5.00% | Mashreq CashbackcheckedMashreq · no annual fee · checked 17 Aug 2026 |
| 11 | 5.00% | RAKBANK TitaniumcheckedRAKBANK · no annual fee · checked 19 Sep 2026at most AED 100 back a month; needs AED 2,000 a month on the card first |
| 12 | 4.00% | ADIB CashbackcheckedADIB · AED 103.95 a year · checked 19 Sep 2026at most AED 200 back a month |
| 13 | 4.00% | DIB SHAMS InfinitecheckedDubai Islamic Bank · AED 733.95 a year, waived above AED 60,000 of spending a year · checked 19 Sep 2026at most AED 80 back a month; the terms say: Cafes, restaurants and fast food. DIB calls this 5% back, which is its own pricing of a Wala'a Reward at half a fil. Capped at 20,000 Wala'a a month. |
| 14 | 4.00% | DIB SHAMS PlatinumcheckedDubai Islamic Bank · AED 208.95 a year, waived above AED 15,000 of spending a year · checked 19 Sep 2026at most AED 20 back a month; the terms say: Cafes, restaurants and fast food. DIB calls this 5% back, which is its own pricing of a Wala'a Reward at half a fil. Capped at 5,000 Wala'a a month. |
| 15 | 4.00% | DIB SHAMS SignaturecheckedDubai Islamic Bank · AED 523.95 a year, waived above AED 30,000 of spending a year · checked 19 Sep 2026at most AED 40 back a month; the terms say: Cafes, restaurants and fast food. DIB calls this 5% back, which is its own pricing of a Wala'a Reward at half a fil. Capped at 10,000 Wala'a a month. |
| 16 | 4.00% | Emirates Islamic Switch CashbackcheckedEmirates Islamic · AED 313.95 a year · checked 17 Aug 2026at most AED 200 back a month; needs AED 2,500 a month on the card first |
| 17 | 3.00% | Emirates Islamic Cashback PluscheckedEmirates Islamic · AED 299 a year · checked 17 Aug 2026at most AED 200 back a month; needs AED 3,000 a month on the card first |
| 18 | 2.63% | Mashreq Platinum PluscheckedMashreq · AED 313.95 a year · checked 19 Sep 2026 |
| 19 | 2.00% | Etihad Guest Visa ElevatecheckedEmirates NBD · AED 1,575 a year · checked 19 Sep 2026 |
| 20 | 2.00% | Wio Credit CardcheckedWio Bank · no annual fee · checked 17 Aug 2026at most AED 2,500 back a month; the terms say: All purchases on Wio Credit. Capped at AED 2,500 a month or 1% of your credit limit, whichever is lower. |
| 21 | 1.81% | Citi PremiercheckedCitibank · AED 787.50 a year · checked 19 Sep 2026 |
| 22 | 1.63% | Marriott Bonvoy World ElitecheckedEmirates NBD · AED 1,575 a year · checked 19 Sep 2026 |
| 23 | 1.50%or 7.50% (only at Emaar) | U by Emaar InfinitecheckedEmirates NBD · AED 1,575 a year · checked 19 Sep 2026 |
| 24 | 1.50%or 7.50% (only at Emaar) | U by Emaar Infinite (Emiratis)checkedEmirates NBD · AED 1,575 a year · checked 19 Sep 2026 |
| 25 | 1.40% | Etihad Guest Visa InspirecheckedEmirates NBD · AED 735 a year · checked 19 Sep 2026 |
| 26 | 1.25%or 6.25% (only at Emaar) | U by Emaar SignaturecheckedEmirates NBD · AED 262.50 a year · checked 19 Sep 2026 |
| 27 | 1.00%or 6.00% (only at City Centre) | SHARE Visa SignaturecheckedEmirates NBD · no annual fee · checked 18 Sep 2026 |
| 28 | 1.00%or 5.00% (only at Emaar) | U by Emaar FamilycheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 29 | 0.82% | Marriott Bonvoy WorldcheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 30 | 0.79% | Mashreq Al Islami Platinum ElitecheckedMashreq Al Islami · AED 650 a year · checked 19 Sep 2026 |
| 31 | 0.19%or 4.00% (only at City Centre) | SHARE Visa PlatinumcheckedEmirates NBD · no annual fee · checked 18 Sep 2026 |
Rates on part of dining
These read cards pay on dining only at the places named. They are not ranked above, because the number is not what the card pays on dining anywhere else.
| Return | Card |
|---|---|
| 35.00% | ADCB TalabatcheckedADCB · no annual fee · checked 19 Sep 2026only at talabat orders; at most AED 350 back a month; needs AED 2,500 a month on the card first |
| 35.00% | Talabat ADCB IslamiccheckedADCB Islamic · no annual fee · checked 19 Sep 2026only at talabat orders; at most AED 350 back a month; needs AED 2,500 a month on the card first |
| 20.00% | Emirates NBD noon OnecheckedEmirates NBD · no annual fee · checked 18 Sep 2026only at noon Food |
| 0.40% | ADCB LuLu PlatinumcheckedADCB · no annual fee · checked 19 Sep 2026only at fast-food restaurants |
| 0.40% | ADCB LuLu TitaniumcheckedADCB · no annual fee · checked 19 Sep 2026only at fast-food restaurants |
| 0.38% | Darna Visa InfinitecheckedEmirates NBD · AED 1,575 a year · checked 18 Sep 2026only at fast-food restaurants outside Aldar |
| 0.31% | BetaqticheckedADCB · AED 2,100 a year · checked 19 Sep 2026only at fast-food restaurants |
| 0.31% | Emirates Islamic EmaraticheckedEmirates Islamic · no annual fee · checked 19 Sep 2026only at fast-food restaurants |
| 0.25% | Darna Visa SignaturecheckedEmirates NBD · AED 315 a year · checked 18 Sep 2026only at fast-food restaurants outside Aldar |
| 0.19% | Darna SelectcheckedEmirates NBD · no annual fee · checked 18 Sep 2026only at fast-food restaurants outside Aldar |
| 0.18% | TouchPoints Gold (Islamic)checkedADCB Islamic · no annual fee · checked 19 Sep 2026only at fast-food restaurants |
| 0.18% | TouchPoints InfinitecheckedADCB · AED 1,050 a year · checked 19 Sep 2026only at fast-food restaurants |
| 0.18% | TouchPoints Infinite (Islamic)checkedADCB Islamic · AED 1,050 a year · checked 19 Sep 2026only at fast-food restaurants |
| 0.18% | TouchPoints PlatinumcheckedADCB · AED 630 a year · checked 19 Sep 2026only at fast-food restaurants |
| 0.18% | TouchPoints Platinum (Islamic)checkedADCB Islamic · AED 630 a year · checked 19 Sep 2026only at fast-food restaurants |
| 0.18% | TouchPoints Titanium / GoldcheckedADCB · no annual fee · checked 19 Sep 2026only at fast-food restaurants |
| 0.16% | Emirates Islamic Skywards BlackcheckedEmirates Islamic · AED 2,100 a year · checked 19 Sep 2026only at fast-food restaurants |
| 0.16% | Etihad Guest AmeeracheckedEmirates Islamic · AED 733.95 a year · checked 19 Sep 2026only at fast-food restaurants |
| 0.16% | Etihad Guest PlatinumcheckedEmirates Islamic · AED 208.95 a year · checked 19 Sep 2026only at fast-food restaurants |
| 0.16% | Etihad Guest PremiumcheckedEmirates Islamic · AED 1,575 a year · checked 19 Sep 2026only at fast-food restaurants |
| 0.16% | Etihad Guest SaqercheckedEmirates Islamic · AED 943.95 a year · checked 19 Sep 2026only at fast-food restaurants |
| 0.14% | Emirates Islamic Skywards InfinitecheckedEmirates Islamic · AED 2,100 a year · checked 19 Sep 2026only at fast-food restaurants |
| 0.10% | Emirates Islamic Skywards SignaturecheckedEmirates Islamic · AED 735 a year · checked 19 Sep 2026only at fast-food restaurants |
How these were worked out. Only cards whose rates a person read
off the issuer's own published terms are ranked here; 6 other cards in the catalogue publish a rate on dining that nobody has yet read off the issuer, and are not listed here at all. Points and miles are
valued at the redemption rate the programme publishes, the rate anyone can take
rather than the best one after a transfer. A rate that covers only part of
dining — one chain of shops, one kind of merchant — is shown with what it covers
and is not ranked, because it is not what the card pays on dining.
The right card depends on what you have already spent.
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 whether it was read off the issuer, and none is made up.
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