Which credit card pays the most on online and delivery in the United Arab Emirates?
Of the cards whose terms were read off the issuer, Sharjah Islamic Cashback (Sharjah Islamic Bank) publishes the highest rate on online and delivery in the United Arab Emirates: 10.00% (at most AED 300 back a month; AED 199 a year, waived above AED 10,000 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.
7 read cards · United Arab Emirates · online and delivery
The answer, from 7 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% | Sharjah Islamic CashbackcheckedSharjah Islamic Bank · AED 199 a year, waived above AED 10,000 of spending a year · checked 18 Sep 2026at most AED 300 back a month |
| 2 | 2.00% | Wio Credit CardcheckedWio Bank · no annual fee · checked 17 Aug 2026at most AED 2,500 back a month |
| 3 | 1.50% | FAB Rewards IndulgecheckedFirst Abu Dhabi Bank · no annual fee · checked 19 Sep 2026 |
| 4 | 1.09% | Skywards InfinitecheckedEmirates NBD · AED 1,575 a year · checked 18 Sep 2026 |
| 5 | 0.82% | Skywards SignaturecheckedEmirates NBD · AED 735 a year · checked 18 Sep 2026 |
| 6 | 0.16% | Marriott Bonvoy World ElitecheckedEmirates NBD · AED 1,575 a year · checked 19 Sep 2026 |
| 7 | 0.08% | Marriott Bonvoy WorldcheckedEmirates NBD · no annual fee · checked 19 Sep 2026 |
Rates on part of online and delivery
These read cards pay on online and delivery only at the places named. They are not ranked above, because the number is not what the card pays on online and delivery anywhere else.
| Return | Card |
|---|---|
| 50.00% | RAKBANK TitaniumcheckedRAKBANK · no annual fee · checked 19 Sep 2026only at video streaming subscriptions; at most AED 100 back a month; needs AED 2,000 a month on the card first |
| 10.00% | Ajman LIFE Platinum CashbackcheckedAjman Bank · no annual fee · checked 19 Sep 2026only at Amazon, noon and Careem; at most AED 50 back a month; needs AED 3,000 a month on the card first |
| 10.00% | Ajman LIFE World CashbackcheckedAjman Bank · AED 630 a year · checked 19 Sep 2026only at Amazon, noon and Careem; at most AED 100 back a month; needs AED 5,000 a month on the card first |
| 5.00% | ADCB 365 CashbackcheckedADCB · AED 383.25 a year · checked 18 Sep 2026only at AI subscriptions; needs AED 5,000 a month on the card first |
| 5.00% | ADCB Islamic 365 CashbackcheckedADCB Islamic · AED 383.25 a year · checked 18 Sep 2026only at AI subscriptions; needs AED 5,000 a month on the card first |
| 5.00% | Emirates NBD noon OnecheckedEmirates NBD · no annual fee · checked 18 Sep 2026only at noon marketplace |
| 4.80% | ADIB Smiles SignaturecheckedADIB · AED 1,258.95 a year · checked 19 Sep 2026only at the Smiles app |
| 3.00% | RAKBANK WorldcheckedRAKBANK · AED 997.50 a year, waived above AED 100,000 of spending a year · checked 19 Sep 2026only at e-wallet spending; at most AED 250 back a month; needs AED 10,000 a month on the card first |
| 3.00% | RAKislamic WorldcheckedRAKBANK Islamic · AED 997.50 a year, waived above AED 100,000 of spending a year · checked 19 Sep 2026only at e-wallet spending; at most AED 250 back a month; needs AED 10,000 a month on the card first |
| 1.92% | ADIB Smiles ClassiccheckedADIB · no annual fee · checked 19 Sep 2026only at the Smiles app |
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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