Which credit card pays the most on government in the United Arab Emirates?
Of the cards whose terms were read off the issuer, ADIB Cashback (ADIB) publishes the highest rate on government in the United Arab Emirates: 4.00% (at most AED 100 back a month; AED 103.95 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.
91 read cards · United Arab Emirates · government
The answer, from 91 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 | 4.00% | ADIB CashbackcheckedADIB · AED 103.95 a year · checked 19 Sep 2026at most AED 100 back a month |
| 2 | 4.00% | DIB Consumer Cashback PlatinumcheckedDubai Islamic Bank · AED 249 a year · checked 17 Sep 2026at most AED 150 back a month; needs AED 4,000 a month on the card first |
| 3 | 3.00% | DIB Consumer RewardcheckedDubai Islamic Bank · AED 200 a year · checked 17 Sep 2026at most AED 100 back a month; needs AED 3,000 a month on the card first |
| 4 | 3.00% | FAB ADNOC RewardscheckedFirst Abu Dhabi Bank · AED 300 a year · checked 19 Sep 2026at most AED 100 back a month; needs AED 3,000 a month on the card first |
| 5 | 2.00% | LuLu 247 PlatinumcheckedEmirates NBD · AED 262.50 a year · checked 19 Sep 2026 |
| 6 | 1.50% | Go4it PlatinumcheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 7 | 1.00% | LuLu 247 TitaniumcheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 8 | 0.75% | ADCB Essential CashbackcheckedADCB · no annual fee · checked 19 Sep 2026needs AED 1,000 a month on the card first |
| 9 | 0.75% | Emirates NBD Priority Banking Visa InfinitecheckedEmirates NBD · AED 1,575 a year · checked 19 Sep 2026 |
| 10 | 0.75% | Go4it GoldcheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 11 | 0.60% | Citi UltimacheckedCitibank · AED 3,150 a year · checked 19 Sep 2026 |
| 12 | 0.50% | ADCB 365 CashbackcheckedADCB · AED 383.25 a year · checked 18 Sep 2026needs AED 5,000 a month on the card first |
| 13 | 0.50% | ADCB Islamic 365 CashbackcheckedADCB Islamic · AED 383.25 a year · checked 18 Sep 2026needs AED 5,000 a month on the card first |
| 14 | 0.50% | ADIB Etihad Guest InfinitecheckedADIB · AED 3,150 a year · checked 19 Sep 2026 |
| 15 | 0.50% | ADIB Etihad Guest PlatinumcheckedADIB · AED 2,100 a year · checked 19 Sep 2026 |
| 16 | 0.50% | ADIB SHARE Visa InfinitecheckedADIB · AED 1,048.95 a year, waived above AED 75,000 of spending a year · checked 19 Sep 2026 |
| 17 | 0.50% | Emirates Islamic Switch CashbackcheckedEmirates Islamic · AED 313.95 a year · checked 17 Aug 2026needs AED 2,500 a month on the card first |
| 18 | 0.50% | Sharjah Islamic CashbackcheckedSharjah Islamic Bank · AED 199 a year, waived above AED 10,000 of spending a year · checked 18 Sep 2026 |
| 19 | 0.50% | Shukran ADCBcheckedADCB · AED 262.50 a year · checked 19 Sep 2026 |
| 20 | 0.50% | Shukran ADCB IslamiccheckedADCB Islamic · AED 262.50 a year · checked 19 Sep 2026 |
| 21 | 0.48% | Citi PrestigecheckedCitibank · AED 1,575 a year · checked 19 Sep 2026 |
| 22 | 0.35% | ADCB TalabatcheckedADCB · no annual fee · checked 19 Sep 2026needs AED 2,500 a month on the card first |
| 23 | 0.35% | Talabat ADCB IslamiccheckedADCB Islamic · no annual fee · checked 19 Sep 2026needs AED 2,500 a month on the card first |
| 24 | 0.32% | RAKBANK ElevatecheckedRAKBANK · AED 617.40 a year, waived above AED 60,000 of spending a year · checked 19 Sep 2026 |
| 25 | 0.27% | Marriott Bonvoy ADIB InfinitecheckedADIB · AED 2,625 a year · checked 19 Sep 2026 |
| 26 | 0.26% | Mashreq SolitairecheckedMashreq · AED 1,575 a year · checked 19 Sep 2026 |
| 27 | 0.25% | ADIB Etihad Guest GoldcheckedADIB · AED 1,050 a year · checked 19 Sep 2026 |
| 28 | 0.25% | ADIB SHARE Visa PlatinumcheckedADIB · AED 208.95 a year, waived above AED 45,000 of spending a year · checked 19 Sep 2026 |
| 29 | 0.25% | RAKBANK WorldcheckedRAKBANK · AED 997.50 a year, waived above AED 100,000 of spending a year · checked 19 Sep 2026at most AED 50 back a month; needs AED 10,000 a month on the card first |
| 30 | 0.25% | RAKislamic WorldcheckedRAKBANK Islamic · AED 997.50 a year, waived above AED 100,000 of spending a year · checked 19 Sep 2026at most AED 50 back a month; needs AED 10,000 a month on the card first |
| 31 | 0.24% | DIB SHAMS InfinitecheckedDubai Islamic Bank · AED 733.95 a year, waived above AED 60,000 of spending a year · checked 19 Sep 2026 |
| 32 | 0.20% | ADCB LuLu PlatinumcheckedADCB · no annual fee · checked 19 Sep 2026 |
| 33 | 0.20% | ADCB LuLu TitaniumcheckedADCB · no annual fee · checked 19 Sep 2026 |
| 34 | 0.20% | Standard Chartered Simply Cash BackcheckedStandard Chartered · AED 525 a year, waived above AED 9,000 of spending a year · checked 17 Aug 2026 |
| 35 | 0.16% | Emirates Islamic Skywards BlackcheckedEmirates Islamic · AED 2,100 a year · checked 19 Sep 2026 |
| 36 | 0.16% | Emirates Skywards DIB InfinitecheckedDubai Islamic Bank · AED 2,625 a year · checked 19 Sep 2026 |
| 37 | 0.16% | Etihad Guest AmeeracheckedEmirates Islamic · AED 733.95 a year · checked 19 Sep 2026 |
| 38 | 0.16% | Etihad Guest PlatinumcheckedEmirates Islamic · AED 208.95 a year · checked 19 Sep 2026 |
| 39 | 0.16% | Etihad Guest PremiumcheckedEmirates Islamic · AED 1,575 a year · checked 19 Sep 2026 |
| 40 | 0.16% | Etihad Guest SaqercheckedEmirates Islamic · AED 943.95 a year · checked 19 Sep 2026 |
| 41 | 0.16% | Marriott Bonvoy World ElitecheckedEmirates NBD · AED 1,575 a year · checked 19 Sep 2026 |
| 42 | 0.16% | ADIB Smiles ClassiccheckedADIB · no annual fee · checked 19 Sep 2026 |
| 43 | 0.16% | ADIB Smiles SignaturecheckedADIB · AED 1,258.95 a year · checked 19 Sep 2026 |
| 44 | 0.16% | DIB SHAMS SignaturecheckedDubai Islamic Bank · AED 523.95 a year, waived above AED 30,000 of spending a year · checked 19 Sep 2026 |
| 45 | 0.16% | BetaqticheckedADCB · AED 2,100 a year · checked 19 Sep 2026 |
| 46 | 0.15% | Citi PremiercheckedCitibank · AED 787.50 a year · checked 19 Sep 2026 |
| 47 | 0.15% | Citi RewardscheckedCitibank · AED 315 a year · checked 19 Sep 2026 |
| 48 | 0.15% | Darna Visa InfinitecheckedEmirates NBD · AED 1,575 a year · checked 18 Sep 2026 |
| 49 | 0.15% | Emirates NBD Mastercard TitaniumcheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 50 | 0.15% | Emirates NBD Visa FlexicheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 51 | 0.15% | FAB CashbackcheckedFirst Abu Dhabi Bank · AED 300 a year · checked 17 Aug 2026needs AED 3,000 a month on the card first |
| 52 | 0.15% | FAB ElitecheckedFirst Abu Dhabi Bank · AED 1,260 a year · checked 19 Sep 2026 |
| 53 | 0.15% | FAB GEMS WorldcheckedFirst Abu Dhabi Bank · AED 418.95 a year · checked 19 Sep 2026 |
| 54 | 0.15% | FAB Rewards ActivecheckedFirst Abu Dhabi Bank · AED 315 a year · checked 19 Sep 2026 |
| 55 | 0.15% | FAB Rewards IndulgecheckedFirst Abu Dhabi Bank · no annual fee · checked 19 Sep 2026 |
| 56 | 0.15% | FAB SHARE InfinitecheckedFirst Abu Dhabi Bank · AED 1,050 a year · checked 19 Sep 2026 |
| 57 | 0.15% | FAB SHARE PlatinumcheckedFirst Abu Dhabi Bank · no annual fee · checked 19 Sep 2026 |
| 58 | 0.15% | FAB SHARE SignaturecheckedFirst Abu Dhabi Bank · AED 525 a year · checked 19 Sep 2026 |
| 59 | 0.15% | FAB TravelcheckedFirst Abu Dhabi Bank · AED 1,575 a year · checked 19 Sep 2026 |
| 60 | 0.15% | FAB Z CardcheckedFirst Abu Dhabi Bank · AED 105 a year · checked 19 Sep 2026 |
| 61 | 0.15% | Mashreq CashbackcheckedMashreq · no annual fee · checked 17 Aug 2026 |
| 62 | 0.15% | Mastercard PlatinumcheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 63 | 0.15% | Visa InfinitecheckedEmirates NBD · AED 1,575 a year · checked 19 Sep 2026 |
| 64 | 0.15% | du Credit CardcheckedFirst Abu Dhabi Bank · no annual fee · checked 19 Sep 2026needs AED 2,500 a month on the card first |
| 65 | 0.14% | Marriott Bonvoy ADIB SignaturecheckedADIB · AED 523.95 a year · checked 19 Sep 2026 |
| 66 | 0.14% | ADIB Emirates Skywards InfinitecheckedADIB · AED 4,725 a year · checked 19 Sep 2026 |
| 67 | 0.14% | ADIB Emirates Skywards SignaturecheckedADIB · AED 1,575 a year · checked 19 Sep 2026 |
| 68 | 0.13% | Mashreq Al Islami Platinum ElitecheckedMashreq Al Islami · AED 650 a year · checked 19 Sep 2026 |
| 69 | 0.13% | Mashreq Platinum PluscheckedMashreq · AED 313.95 a year · checked 19 Sep 2026 |
| 70 | 0.12% | DIB SHAMS PlatinumcheckedDubai Islamic Bank · AED 208.95 a year, waived above AED 15,000 of spending a year · checked 19 Sep 2026 |
| 71 | 0.12% | Emirates Islamic EmaraticheckedEmirates Islamic · no annual fee · checked 19 Sep 2026 |
| 72 | 0.11% | Emirates Skywards DIB SignaturecheckedDubai Islamic Bank · AED 1,575 a year · checked 19 Sep 2026 |
| 73 | 0.10% | Darna Visa SignaturecheckedEmirates NBD · AED 315 a year · checked 18 Sep 2026 |
| 74 | 0.10% | U by Emaar FamilycheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 75 | 0.09% | TouchPoints Gold (Islamic)checkedADCB Islamic · no annual fee · checked 19 Sep 2026 |
| 76 | 0.09% | TouchPoints InfinitecheckedADCB · AED 1,050 a year · checked 19 Sep 2026 |
| 77 | 0.09% | TouchPoints Infinite (Islamic)checkedADCB Islamic · AED 1,050 a year · checked 19 Sep 2026 |
| 78 | 0.09% | TouchPoints PlatinumcheckedADCB · AED 630 a year · checked 19 Sep 2026 |
| 79 | 0.09% | TouchPoints Platinum (Islamic)checkedADCB Islamic · AED 630 a year · checked 19 Sep 2026 |
| 80 | 0.09% | TouchPoints Titanium / GoldcheckedADCB · no annual fee · checked 19 Sep 2026 |
| 81 | 0.08% | Emirates Islamic Skywards InfinitecheckedEmirates Islamic · AED 2,100 a year · checked 19 Sep 2026 |
| 82 | 0.08% | Emirates Skywards DIB PlatinumcheckedDubai Islamic Bank · AED 525 a year · checked 19 Sep 2026 |
| 83 | 0.08% | Marriott Bonvoy WorldcheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 84 | 0.08% | DIB Prime ClassiccheckedDubai Islamic Bank · no annual fee · checked 19 Sep 2026 |
| 85 | 0.08% | DIB Prime GoldcheckedDubai Islamic Bank · no annual fee · checked 19 Sep 2026 |
| 86 | 0.08% | DIB Prime InfinitecheckedDubai Islamic Bank · no annual fee · checked 19 Sep 2026 |
| 87 | 0.08% | DIB Prime PlatinumcheckedDubai Islamic Bank · no annual fee · checked 19 Sep 2026 |
| 88 | 0.08% | DIB Prime SignaturecheckedDubai Islamic Bank · no annual fee · checked 19 Sep 2026 |
| 89 | 0.07% | Darna SelectcheckedEmirates NBD · no annual fee · checked 18 Sep 2026 |
| 90 | 0.07% | SHARE Visa PlatinumcheckedEmirates NBD · no annual fee · checked 18 Sep 2026 |
| 91 | 0.06% | Emirates Islamic Skywards SignaturecheckedEmirates Islamic · AED 735 a year · checked 19 Sep 2026 |
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 government 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
government — 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 government.
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.
Download on the App Store Every category in the United Arab Emirates