The Ultimate Guide to Best Credit Cards Offering 10% Cashback on Everything in the UAE

Credit cards today are not merely a payment tool; they also offer opportunities for rewards, savings, and greater financial flexibility. If you are in search of a credit card that provides 10% cashback on a diverse array of purchases such as electronics, groceries, jewelry, and travel, you have arrived at the right destination. In the UAE, while there are many competitive credit card choices, selecting one that offers significant cashback across all spending categories can greatly enhance your financial experience. This blog will cover the following topics:

The advantages of a credit card that provides 10% cashback The leading credit cards with high cashback rates available in the United Arab Emirates Techniques to optimize your cashback rewards Best practices for responsible credit card management.

Why Choose a Credit Card with 10% Cashback?

Cashback credit cards provide an opportunity to earn a percentage of your spending back, which can help lower your overall costs. While consistently receiving 10% cashback on all purchases is uncommon, some cards feature rotating categories, introductory offers, or tiered rewards that can reach 10% or more under specific conditions.

Advantages of a High Cashback Card:

• Savings on daily expenses : Regular costs like groceries, gas, dining, and utility bills can     accumulate; earning 10% back can result in substantial savings.

• Enhanced rewards for significant purchases : Higher cashback rates on valuable items such as jewelry, electronics, and travel increase the benefits of larger transactions.

• Simple redemption process : Unlike traditional reward points, cashback is easy to use—funds are directly credited to your account.

• Extra benefits : Many cashback cards also provide discounts, access to airport lounges, and various insurance options.

Best Credit Cards in the UAE for High Cashback

Although no credit card in the UAE reliably gives a flat 10% cashback on every purchase, many cards offer up to 10% cashback in specific categories or via limited-time promotions. Here is a list of some of the best cashback credit cards offered in the UAE:

1. Emirates NBD Skywards Signature Credit Card

Cashback: As much as 10% on bookings with Emirates airline.

Extra advantages:

a. Complimentary entry to airport lounges

b. Accumulating Skywards Miles through purchases

c. Price reductions on hotel stays and vehicle rentals

Best for: Regular travelers and aviation enthusiasts.

2.    Mashreq Cash Rebate Credit Card

• Cashback: 5% on groceries, restaurants, and gas; 1% on every other purchase.

• Bonus: At times provides 10% cashback deals in specific categories.

• Yearly charge: Exempted for the initial year

Best for: Individuals with consistent grocery and dining costs.

3.     ADCB TouchPoints Rewards Credit Card

Cashback: Up to 10% with chosen partners

Extra advantages:

• Savings on shopping, entertainment, and dining options

• No required minimum wage

Best for: Individuals looking for flexible cashback options in different categories.

4.     Dubai First Cashback Credit Card

Cashback: 5% on overseas transactions, 2% on domestic purchases

Promotions: At times provides 10% cashback on electronics and travel during promotional events.

Best for: Global consumers and internet shoppers.

5.     RAK bank Global Credit Card

Cashback: As much as 10% on overseas transactions

Extra benefits:

• Free travel insurance

• Price reductions on high-end brands

Best for: Affluent individuals and regular travelers.

How to Maximize Your 10% Cashback Earnings

To maximize your cashback credit card benefits, utilize these savvy spending tactics.

1.   Coordinate Expenditures with Reward Categories

• Utilize the card for food shopping, gas, and restaurants if they provide increased cashback.

• Review changing categories.

2.   Combine Cashback with Discounts

• Merge cashback offers with promotional discounts (e.g., Dubai Shopping Festival).

• Utilize discount codes and cashback websites (like EmiratesNBD SmartShopper).

3.   Settle Bills & Utilities using a Credit Card

• Certain cards enable utility bill payments with cashback rewards (e.g., DEWA, Du, Etisalat).

4.   Invite Friends for Additional Rewards

• Numerous banks provide referral incentives (e.g., AED 200 for each referral).

5.   Steer Clear of Interest & Late Charges

• Settle your balance entirely to prevent interest fees that cancel out cashback.

Tips for Responsible Use of Credit Cards

Although cashback is appealing, improper use of credit cards can result in debt. Adhere to these guidelines:

• Pay bills promptly : Steer clear of late charges and high interest.

• Avoid spending excessively for rewards : Maintain your budget.

• Review your statements : Look for unauthorized transactions.

• Strategically utilize various cards : One for grocery purchases, another for travel expenses.

Final Decision: Is a 10% Cashback Credit Card Beneficial?

A genuine 10% cashback on all purchases is uncommon, yet UAE credit cards provide significant rewards in particular categories. By strategically utilizing several cards, you could potentially receive nearly 10% cashback on many transactions.

• Top All-Rounder Card: Mashreq Cashback Card (5% on groceries, fuel, dining)

• Best for Travel: Emirates NBD Skywards Card (up to 10% on airfare)

• Best for Luxurious Shopping: ADCB TouchPoints Card (offering 10% cashback on a rotating basis)

Conclusion

In the UAE, it's crucial to have a high-cashback credit card in order to save money on every purchase. Choosing the correct credit card and using it wisely can help you get the most out of your rewards, even though none of them give 10% back on every transaction. Ready to sign up? Compare offers, check your eligibility, and begin earning cashback right away! Which cashback credit card in the UAE is your favorite?

Share your thoughts in the comments section below!