Which credit card pays the most on groceries in the United Arab Emirates?
Of the cards whose terms were read off the issuer, RAKBANK World (RAKBANK) publishes the highest rate on groceries 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.
90 read cards · United Arab Emirates · groceries
The answer, from 90 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 | 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 |
| 4 | 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 |
| 5 | 4.00% | ADIB CashbackcheckedADIB · AED 103.95 a year · checked 19 Sep 2026at most AED 300 back a month |
| 6 | 4.00% | DIB Consumer Cashback PlatinumcheckedDubai Islamic Bank · AED 249 a year · checked 17 Sep 2026at most AED 400 back a month; needs AED 4,000 a month on the card first |
| 7 | 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 |
| 8 | 3.00% | ADCB 365 CashbackcheckedADCB · AED 383.25 a year · checked 18 Sep 2026needs AED 5,000 a month on the card first |
| 9 | 3.00% | ADCB Islamic 365 CashbackcheckedADCB Islamic · AED 383.25 a year · checked 18 Sep 2026needs AED 5,000 a month on the card first |
| 10 | 3.00% | DIB Consumer RewardcheckedDubai Islamic Bank · AED 200 a year · checked 17 Sep 2026at most AED 300 back a month; needs AED 3,000 a month on the card first |
| 11 | 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 |
| 12 | 2.63% | Mashreq Platinum PluscheckedMashreq · AED 313.95 a year · checked 19 Sep 2026 |
| 13 | 2.00% | Citi Cash BackcheckedCitibank · AED 300 a year, waived above AED 9,000 of spending a year · checked 17 Sep 2026 |
| 14 | 2.00% | 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: Supermarkets. AED 200 per statement cycle. |
| 15 | 2.00% | Wio Credit CardcheckedWio Bank · no annual fee · checked 17 Aug 2026at most AED 2,500 back a month |
| 16 | 1.81% | Citi PremiercheckedCitibank · AED 787.50 a year · checked 19 Sep 2026 |
| 17 | 1.00% | Emirates Islamic EmaraticheckedEmirates Islamic · no annual fee · checked 19 Sep 2026 |
| 18 | 1.00% | 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 |
| 19 | 1.00%or 6.00% (only at Carrefour) | SHARE Visa SignaturecheckedEmirates NBD · no annual fee · checked 18 Sep 2026 |
| 20 | 0.91% | Citi RewardscheckedCitibank · AED 315 a year · checked 19 Sep 2026 |
| 21 | 0.79% | Mashreq Al Islami Platinum ElitecheckedMashreq Al Islami · AED 650 a year · checked 19 Sep 2026 |
| 22 | 0.75% | ADCB Essential CashbackcheckedADCB · no annual fee · checked 19 Sep 2026needs AED 1,000 a month on the card first |
| 23 | 0.75% | Emirates NBD Priority Banking Visa InfinitecheckedEmirates NBD · AED 1,575 a year · checked 19 Sep 2026 |
| 24 | 0.70%or 7.00% (only at LuLu) | LuLu 247 PlatinumcheckedEmirates NBD · AED 262.50 a year · checked 19 Sep 2026 |
| 25 | 0.50% | ADIB Etihad Guest InfinitecheckedADIB · AED 3,150 a year · checked 19 Sep 2026 |
| 26 | 0.50% | ADIB Etihad Guest PlatinumcheckedADIB · AED 2,100 a year · checked 19 Sep 2026 |
| 27 | 0.50%or 6.00% (only at Carrefour) | ADIB SHARE Visa InfinitecheckedADIB · AED 1,048.95 a year, waived above AED 75,000 of spending a year · checked 19 Sep 2026 |
| 28 | 0.50% | Sharjah Islamic CashbackcheckedSharjah Islamic Bank · AED 199 a year, waived above AED 10,000 of spending a year · checked 18 Sep 2026 |
| 29 | 0.50% | Shukran ADCBcheckedADCB · AED 262.50 a year · checked 19 Sep 2026 |
| 30 | 0.50% | Shukran ADCB IslamiccheckedADCB Islamic · AED 262.50 a year · checked 19 Sep 2026 |
| 31 | 0.48% | RAKBANK ElevatecheckedRAKBANK · AED 617.40 a year, waived above AED 60,000 of spending a year · checked 19 Sep 2026 |
| 32 | 0.41% | Marriott Bonvoy World ElitecheckedEmirates NBD · AED 1,575 a year · checked 19 Sep 2026 |
| 33 | 0.40%or 8.00% (only at LuLu stores) | ADCB LuLu PlatinumcheckedADCB · no annual fee · checked 19 Sep 2026 |
| 34 | 0.40%or 3.50% (only at LuLu stores) | ADCB LuLu TitaniumcheckedADCB · no annual fee · checked 19 Sep 2026 |
| 35 | 0.38%or 10.00% (only at groceries inside Aldar) | Darna Visa InfinitecheckedEmirates NBD · AED 1,575 a year · checked 18 Sep 2026 |
| 36 | 0.35% | ADCB TalabatcheckedADCB · no annual fee · checked 19 Sep 2026needs AED 2,500 a month on the card first |
| 37 | 0.35%or 3.50% (only at LuLu) | LuLu 247 TitaniumcheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 38 | 0.35% | Talabat ADCB IslamiccheckedADCB Islamic · no annual fee · checked 19 Sep 2026needs AED 2,500 a month on the card first |
| 39 | 0.31% | BetaqticheckedADCB · AED 2,100 a year · checked 19 Sep 2026 |
| 40 | 0.30% | Emirates NBD Mastercard TitaniumcheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 41 | 0.30% | Emirates NBD Visa FlexicheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 42 | 0.30% | Mastercard PlatinumcheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 43 | 0.30% | Visa InfinitecheckedEmirates NBD · AED 1,575 a year · checked 19 Sep 2026 |
| 44 | 0.27% | Emirates Islamic Skywards InfinitecheckedEmirates Islamic · AED 2,100 a year · checked 19 Sep 2026 |
| 45 | 0.27% | Marriott Bonvoy ADIB InfinitecheckedADIB · AED 2,625 a year · checked 19 Sep 2026 |
| 46 | 0.25%or 7.50% (only at groceries inside Aldar) | Darna Visa SignaturecheckedEmirates NBD · AED 315 a year · checked 18 Sep 2026 |
| 47 | 0.25% | ADIB Etihad Guest GoldcheckedADIB · AED 1,050 a year · checked 19 Sep 2026 |
| 48 | 0.25%or 3.00% (only at Carrefour) | ADIB SHARE Visa PlatinumcheckedADIB · AED 208.95 a year, waived above AED 45,000 of spending a year · checked 19 Sep 2026 |
| 49 | 0.25% | U by Emaar FamilycheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 50 | 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 |
| 51 | 0.20% | Emirates Islamic Skywards SignaturecheckedEmirates Islamic · AED 735 a year · checked 19 Sep 2026 |
| 52 | 0.20% | Marriott Bonvoy WorldcheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
| 53 | 0.19%or 4.00% (only at Carrefour) | SHARE Visa PlatinumcheckedEmirates NBD · no annual fee · checked 18 Sep 2026 |
| 54 | 0.19%or 6.25% (only at groceries inside Aldar) | Darna SelectcheckedEmirates NBD · no annual fee · checked 18 Sep 2026 |
| 55 | 0.18% | TouchPoints Gold (Islamic)checkedADCB Islamic · no annual fee · checked 19 Sep 2026 |
| 56 | 0.18% | TouchPoints InfinitecheckedADCB · AED 1,050 a year · checked 19 Sep 2026 |
| 57 | 0.18% | TouchPoints Infinite (Islamic)checkedADCB Islamic · AED 1,050 a year · checked 19 Sep 2026 |
| 58 | 0.18% | TouchPoints PlatinumcheckedADCB · AED 630 a year · checked 19 Sep 2026 |
| 59 | 0.18% | TouchPoints Platinum (Islamic)checkedADCB Islamic · AED 630 a year · checked 19 Sep 2026 |
| 60 | 0.18% | TouchPoints Titanium / GoldcheckedADCB · no annual fee · checked 19 Sep 2026 |
| 61 | 0.16% | Emirates Islamic Skywards BlackcheckedEmirates Islamic · AED 2,100 a year · checked 19 Sep 2026 |
| 62 | 0.16% | Emirates Skywards DIB InfinitecheckedDubai Islamic Bank · AED 2,625 a year · checked 19 Sep 2026 |
| 63 | 0.16% | Etihad Guest AmeeracheckedEmirates Islamic · AED 733.95 a year · checked 19 Sep 2026 |
| 64 | 0.16% | Etihad Guest PlatinumcheckedEmirates Islamic · AED 208.95 a year · checked 19 Sep 2026 |
| 65 | 0.16% | Etihad Guest PremiumcheckedEmirates Islamic · AED 1,575 a year · checked 19 Sep 2026 |
| 66 | 0.16% | Etihad Guest SaqercheckedEmirates Islamic · AED 943.95 a year · checked 19 Sep 2026 |
| 67 | 0.16% | ADIB Smiles ClassiccheckedADIB · no annual fee · checked 19 Sep 2026 |
| 68 | 0.16% | ADIB Smiles SignaturecheckedADIB · AED 1,258.95 a year · checked 19 Sep 2026 |
| 69 | 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 |
| 70 | 0.15% | FAB ElitecheckedFirst Abu Dhabi Bank · AED 1,260 a year · checked 19 Sep 2026 |
| 71 | 0.15% | FAB GEMS WorldcheckedFirst Abu Dhabi Bank · AED 418.95 a year · checked 19 Sep 2026 |
| 72 | 0.15% | FAB Rewards ActivecheckedFirst Abu Dhabi Bank · AED 315 a year · checked 19 Sep 2026 |
| 73 | 0.15% | FAB Rewards IndulgecheckedFirst Abu Dhabi Bank · no annual fee · checked 19 Sep 2026 |
| 74 | 0.15%or 8.00% (only at Carrefour) | FAB SHARE InfinitecheckedFirst Abu Dhabi Bank · AED 1,050 a year · checked 19 Sep 2026 |
| 75 | 0.15%or 4.00% (only at Carrefour) | FAB SHARE PlatinumcheckedFirst Abu Dhabi Bank · no annual fee · checked 19 Sep 2026 |
| 76 | 0.15%or 6.00% (only at Carrefour) | FAB SHARE SignaturecheckedFirst Abu Dhabi Bank · AED 525 a year · checked 19 Sep 2026 |
| 77 | 0.15% | FAB TravelcheckedFirst Abu Dhabi Bank · AED 1,575 a year · checked 19 Sep 2026 |
| 78 | 0.15% | FAB Z CardcheckedFirst Abu Dhabi Bank · AED 105 a year · checked 19 Sep 2026 |
| 79 | 0.15% | du Credit CardcheckedFirst Abu Dhabi Bank · no annual fee · checked 19 Sep 2026needs AED 2,500 a month on the card first |
| 80 | 0.14% | Marriott Bonvoy ADIB SignaturecheckedADIB · AED 523.95 a year · checked 19 Sep 2026 |
| 81 | 0.14% | ADIB Emirates Skywards InfinitecheckedADIB · AED 4,725 a year · checked 19 Sep 2026 |
| 82 | 0.14% | ADIB Emirates Skywards SignaturecheckedADIB · AED 1,575 a year · checked 19 Sep 2026 |
| 83 | 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 |
| 84 | 0.11% | Emirates Skywards DIB SignaturecheckedDubai Islamic Bank · AED 1,575 a year · checked 19 Sep 2026 |
| 85 | 0.08% | Emirates Skywards DIB PlatinumcheckedDubai Islamic Bank · AED 525 a year · checked 19 Sep 2026 |
| 86 | 0.08% | DIB Prime ClassiccheckedDubai Islamic Bank · no annual fee · checked 19 Sep 2026 |
| 87 | 0.08% | DIB Prime GoldcheckedDubai Islamic Bank · no annual fee · checked 19 Sep 2026 |
| 88 | 0.08% | DIB Prime InfinitecheckedDubai Islamic Bank · no annual fee · checked 19 Sep 2026 |
| 89 | 0.08% | DIB Prime PlatinumcheckedDubai Islamic Bank · no annual fee · checked 19 Sep 2026 |
| 90 | 0.08% | DIB Prime SignaturecheckedDubai Islamic Bank · no annual fee · checked 19 Sep 2026 |
Rates on part of groceries
These read cards pay on groceries only at the places named. They are not ranked above, because the number is not what the card pays on groceries anywhere else.
| Return | Card |
|---|---|
| 10.00% | Emirates NBD noon OnecheckedEmirates NBD · no annual fee · checked 18 Sep 2026only at noon NowNow grocery delivery |
How these were worked out. Only cards whose rates a person read
off the issuer's own published terms are ranked here; 4 other cards in the catalogue publish a rate on groceries 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
groceries — 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 groceries.
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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