10 Grocery Credit Cards in UAE 2024 – Compare4Benefit


Are you a savvy shopper , always on the lookout for ways to make the most of your grocery budget?.

In this article, we’ll explore how grocery credit cards can help you maximize your savings and enjoy unmatched convenience while shopping for your essentials.

Why miss a golden chance when you are the one who makes choices?

In this blog post, we'll embark on a delightful journey together, exploring the world of grocery credit cards through the lens of the ideal customer “ someone just like you, eager to maximize savings, enjoy exclusive perks, and simplify the art of grocery shopping.

Is making a choice difficult when you have a lot of choices in front of you?

We are here to help you. We have shortlisted 10 Best Grocery Credit Cards in UAE. Here you go.

List of 10 Best Grocery Credit Cards in UAE

Grocery Credit CardsCashback
Citi Bank Cashback Credit Card2% Cashback on groceries.
Emirates Islamic Cashback Plus Credit Card10% Cashback on all spends (grocery, dining, telecom, etc)
FAB Cashback Card5% Cashback on everyday spends
CBD Super Saver Credit Card10% Cashback on everyday spends.
RAKBANK World Credit CardUpto 10% Cashback on all spends.
DIB Consumer Reward Card3% Cashback on supermarket spends.
Standard Chartered Manhattan Platinum CardRewards points for every spend. 1% Cashback on domestic spends.
Emirates NBD WebShopper Credit CardExclusively for Online Shopping
Dubai First Cashback Credit Card5% Cashback on grocery spends.
ADIB Cashback Visa Platinum Card1% Cashback

Now let's see each one of these in detail.

1. Citi Bank Cashback Credit Card

Citi Cash Back Credit Card

Citi Bank Cashback Credit Card offers you great cashback on all your purchases made using the card. If you have a Citi Cashback Credit Card, you will be eligible for a variety of discounts and special offers at the bank's partner stores.


1Minimum IncomeAED 8000/month
2Annual FeeAED 0 (Year 1)
3Age21 or older

Customers also get discounts on EMI for a variety of products at numerous electronic stores, shopping outlets, retailing chains, and online purchases. Regarding the annual fee, if the minimum spending requirements are met the credit card is free for the second year.


  • 3% cashback on non-AED spend
  • 2% cash back on groceries
  • 1% cashback on all other spends
  • Free for life
  • Airport Lounge Access
  • Voucher Skout credits

2. Emirates Islamic Cashback Plus Credit Card

Emirates Islamic Cashback Plus Card

Hundreds of thousands of suitors and lovers have flocked to the Emirates Islamic Cashback Plus Credit Card, which has continuously been one of the best-selling cards in the UAE region.

This credit card offers 10% cashback on all purchases, including but not limited to grocery purchases, education, dining, telecom bills, and more.

Minimum IncomeAED 5000/month
Annual FeeAED 313.95


  • Up to 10% cashback on spends
  • RTA No Chip
  • Airport Lounge Access
  • Complimentary Reel Cinema Movie Tickets
  • Complimentary Golf
  • Purchase Protection
  • Cash on Call facility
  • Free Supplementary Cards

3. FAB Cashback Card

FAB Cashback credit card that rewards you with 5% cash back on groceries, fuel, and utility. With 5% cash back at the supermarket (including online), the fuel station, and on utility bills, you'll get the best deal on your everyday spending.

Minimum IncomeAED 5000/month
Annual FeeAED 315

On request, your cashback will be calculated monthly and awarded on the statement date.


  • AED 300 cashback welcome bonus
  • 5% Cashback on your everyday spending
  • 2% Cashback on non-AED spending
  • Shop Smart for Online Purchases
  • Movie Tickets from just AED 15
  • Careem Chauffeur Services
  • Buy 1 Get 1 Free Offers
  • Airport Lounge Access
  • Travel Discounts

4. CBD Super Saver Credit Card

CBD - Super Saver Card

Earn up to 10% cash back on the following daily retail purchase categories with a monthly limit of AED 150 per category. To start receiving cashback, you must spend a minimum of AED 3000 per month in all categories.

Minimum IncomeAED 8000/month
Annual FeeAED 0( Year 1)

This includes accounts payable (telecom bills, utility bills, and government-linked payments), educational payments (schools, colleges, and universities), grocery stores (supermarkets), and transportation needs (fuel).


  • Up to 10% cashback on everyday spends
  • Free Valtrans Valet Parking
  • Discounts on Movie Tickets
  • Airport Lounge Access
  • Careem Rides, Food & Shop, Bike Benefits
  • Purchase Protection
  • Multi-trip Travel Insurance
  • Free For Life Supplementary Cards
  • 24 * 7 Assistance
  • Entertainment Offers

5. RAKBANK World Credit Card

RAKBANK - World Credit Card

Every day, the RAKBANK World Credit Card provides you with a world of rewards, privileges, and benefits. The RAKBANK World Credit Card goes above and beyond what you might expect from a credit card, providing great cashback on all of your purchases.


Minimum IncomeAED 20000
Annual FeeAED 0

There is also a slew of travel perks, lifestyle bonuses, and unbeatable savings to be had.


  • Upto10 % Cashback on Supermarket
  • Airport Lounge Access
  • Buy 1 Get 1 Offers
  • 50% Cashback on Cinema
  • Up to 10% Cashback on Travel
  • 5% Cashback on International Spends
  • Free Supplementary Cards
  • Dining Discounts
  • Purchase Protection
  • Secure Wallet

6. DIB Consumer Reward Card

DIB Consumer Reward Credit Card

DIB Consumer Reward Card is an everyday convenience paired with everyday savings when it comes to supermarket and hypermarket purchases, bills, fuel, and more.

Dubai Islamic Bank and Dubai's Department of Economic Development jointly own this credit card. This card is packed with distinctive features and rewards, making it great for everyday use.

Minimum IncomeAED 5000

Annual FeeAED 150


  • 3% Cashback on Supermarket & Hypermarket Purchases
  • 3% Cashback on Automobile Servicing
  • 3% Cashback on Etisalat & Du Bill Payments
  • 3% Cashback on Fuel Spends
  • 3% Cashback on Salik and NoI Recharges
  • 3% Cashback on School Fees

7. Standard Chartered Manhattan Platinum Card

Users of the Standard Chartered Manhattan Credit Card have a better time shopping, dining, and traveling. You can get 1% cashback on all domestic spending.You can also avail of infinite cashback on all AED and non-AED purchases with zero minimum expenditure.

Minimum IncomeAED 5000
Annual FeeAED 0


  • Buy 1 Get 1 at Costa Coffee
  • Zero Cash Advance Fees
  • Up to 8% off at Hotels.com
  • Medical & Travel Coverage
  • Buyer's Protection
  • Globally Accepted Shariah-compliant Card
  • 20% Discounts with DragonPass
  • Golf Benefits
  • Reward Points for every AED spend

8.Emirates NBD WebShopper Credit Card

Emirates NBD WebShopper Credit Card

The card is designed exclusively for online shopping. Another ground-breaking effort from Emirates NBD, this card is designed for online purchases and offers optimum security so you can shop with confidence. You can also use a variety of alternative financial services to fulfill your needs.

Minimum IncomeAED 5000
Annual FeeAED 50

When you use your Emirates NBD WebShopper Credit Card for all of your online purchases, you will earn Plus Points. For every AED 200 spent you will receive 1 Plus Point. Plus Points can also be exchanged for Frequent Flyer Miles or cash.


  • Exclusively for Online Shopping
  • Free SMS Alerts
  • 24 Hour Assistance
  • Online Access
  • Free 24/7 Roadside Assistance
  • Double Secure
  • Discounts on Flights and Hotel Bookings
  • Discounts on Utility Payments
  • Discounts on Tickets for Entertainment Venues

9. Dubai First Cashback Credit Card

Dubai First Cashback Credit Card

You might wonder, what's better than cashback? Only the new Dubai First Cashback Credit Card gives you unlimited, greater, and quicker cashback. There are no minimum spending requirements or restrictions on where you can shop.

Minimum IncomeAED 10000
Annual FeeAED 399

Accumulate points and redeem them through the Dubai First App. Using this credit card, get a staggering 5% reward on grocery and online shopping, plus 1% on anything else.


  • AED 350 Bonus Cashback Welcome Offer
  • 5% Cashback on Groceries and Online Purchases
  • 0% Interest Easy Purchase Loans
  • Access to Airport Lounges
  • 10% Additional Cashback on 1500+ e-commerce sites with Shopsmart
  • Buy 1 Get 1 Offers on Leisure, Entertainment, and More
  • Up to 30% Off on Your Travel with Cleartrip

10. ADIB Cashback Visa Platinum Card

ADIB Cashback Visa Platinum Card

ADIB Cashback Visa Platinum Card is a cashback credit card that provides flat cashback on all card transactions done anywhere in the world. It comes with a slew of perks, including cashback, roadside assistance, gratis valet parking, and access to airport lounges.

Minimum IncomeAED 10000
Annual FeeAED 1000

Cash withdrawal, a complementary grace period, and additional cards are all available to cardholders.


  • 1% Cashback Anywhere Anytime
  • 100% Cash Withdrawal
  • 4 Free Supplementary Cards
  • Complimentary Roadside Assistance
  • Free Airport Lounge Access
  • 0% Easy Payment Plan
  • Balance Transfers
  • Dining Discounts
  • Valet Parking
  • Tap and Pay

Meet the Ideal Customer: Sarah, the Savvy Shopper!

Sarah is a UAE resident who understands the value of a well-planned budget. She is always on the lookout for ways to save money without compromising on the quality of life. Sarah’s journey with grocery credit cards began when she realized the incredible benefits they offer to individuals like her.

1. Cashback Rewards: Sarah’s Favorite Perk

One of the standout features of grocery credit cards that Sarah loves is the cashback rewards. With every swipe of her card at her favorite supermarkets, she earns cashback, which is like getting paid to shop! This extra money in her pocket is a game-changer, allowing her to allocate her budget to other essentials or treat herself to something special.

2. Exclusive Discounts and Offers: A Shopper’s Paradise

Sarah is no stranger to the exclusive discounts and offers that come with her grocery credit card. These perks often include discounts on her favorite products, and sometimes even free items with a minimum spend. It feels like being a VIP shopper with access to the best deals in town.

3. Building Credit History: Financial Confidence

For Sarah, responsible credit card use is not just about saving money; it’s also about building a solid credit history. She understands that a good credit score can open doors to better financial opportunities and lower interest rates, and her grocery credit card helps her achieve just that.

4. Convenience and Security: Seamless Shopping

Sarah appreciates the convenience and security that her grocery credit card offers. The ease of making contactless payments at the checkout counter and the assurance of robust security features put her at ease during her shopping trips.

5. Travel Perks and Rewards: Dream Getaways

While Sarah primarily uses her grocery credit card for shopping, she is thrilled to accumulate travel rewards and perks that come with it. These rewards pave the way for her dream vacations, allowing her to explore the world without straining her budget.

In conclusion, grocery credit cards are a game-changer for savvy shoppers like Sarah in the UAE. They offer a myriad of benefits, from cashback rewards to exclusive discounts, building credit history to unlocking travel perks and rewards. If you’re looking to enhance your shopping experience, save money, and gain financial freedom, consider exploring the world of grocery credit cards available in the UAE.

Don’t miss out on the opportunity to make your grocery shopping more cost-effective and enjoyable. Start your journey towards savings and convenience today with a grocery credit card that suits your lifestyle and needs. It’s time to shop smarter, not harder!

Don't wait to take chances. Be Smart, Plan Wisely, Make Maximum Out of Your Money, And Live A Good Life.

Maximize Your Savings with Cashback Rewards

One of the most enticing aspects of grocery credit cards is their cashback rewards program. These cards provide a unique opportunity to earn money back on your everyday purchases, making them an excellent choice for those who regularly stock their pantries and refrigerators. Let’s delve into how cashback rewards can significantly boost your savings.

Cashback on Every Grocery Purchase

Grocery credit cards in the UAE typically offer cashback rewards on every purchase made at supermarkets and grocery stores. The cashback percentages may vary depending on the card and the bank offering it, but they often range from 2% to 5%. This means that for every AED 100 you spend on groceries, you can receive AED 2 to AED 5 back as cashback rewards.

For instance, if you spend AED 1,000 on groceries per month, a grocery credit card with a 5% cashback rate would grant you AED 50 in cashback rewards. Over the course of a year, this adds up to a substantial AED 600 in savings – money that can be reinvested in your budget or used for other financial goals.

 Additional Bonuses and Promotions

Many grocery credit cards in the UAE offer additional bonuses and promotions to maximize your cashback rewards. These can include seasonal offers, double cashback days, and exclusive discounts at specific stores. By keeping an eye on these offers and aligning your grocery shopping accordingly, you can increase your savings significantly.

Frequently Asked Questions

  1. Is it possible to pay with my credit cards in supermarkets?

Ans: You may use your credit card to pay for nearly anything you want, as long as you stay within your credit limit- groceries, vehicles, clothes, bill payments etc.

  1. How do cashback offers work with credit cards in grocery stores?

Ans: If your credit card enables you, you can get cash back at the grocery stores if you use it. Some credit cards provide quarterly rotating cashback benefits based on how you spend your money. Whereas some credit cards provide rewards without a minimum expenditure.

  1. Are there credit cards exclusively for grocery stores?

Ans:  No. There aren't credit cards exclusively for grocery stores. You can choose credit cards that provide you with cashback offers and other rewards based on your needs and benefit from it. All that matters is the choice of the right credit card for you.

  1. Can I get benefits from credit cards for online shopping?

Ans: Of course, you can benefit from credit cards while paying for online purchases. You can avail cashback offers, and discounts and also win other rewards like reward points, access to airport lounges, discounts on entertainment, dining, etc. which the banks provide.

  1. Which is the best grocery credit card for me?

Ans: There isn't a water-tight distinction between the best grocery credit cards. The need of the consumer is of primary importance. You can also consider the following things while looking for the best grocery credit cards:

  • Minimum salary
  • Annual fee
  • Rate
  • Rewards that the credit card offers
  1. Can I get supplementary credit cards with grocery credit cards?

Ans: Most banks provide supplementary credit cards. But whether it is paid or whether it is free is solely based on the policies of the bank. Some banks offer free supplementary cards while some banks charge for supplementary cards. The annual fee for supplementary cards also differs from bank to bank.


In the UAE, grocery credit cards have proven to be powerful tools for savvy shoppers looking to maximize their savings and enjoy additional benefits. From cashback rewards to discounts, purchase protection to convenience, these cards offer a plethora of advantages that can significantly enhance your grocery shopping experience and financial well-being.

If you are a frequent grocery shopper, it’s high time you consider getting a grocery credit card to unlock these incredible benefits. By making the most of the cashback rewards, exclusive offers, and financial security they provide, you can enjoy a more efficient and budget-friendly shopping experience.

Don’t miss out on the opportunities presented by grocery credit cards. Make the smart choice today and apply for a grocery credit card to start enjoying these incredible perks. Your wallet will thank you for it.

If you’re ready to supercharge your grocery shopping experience and save big on your monthly bills, now is the time to take action. Apply for a grocery credit card today and enjoy the fantastic benefits it offers. You’ll be amazed at how much you can save on your grocery expenses while enjoying a hassle-free and convenient shopping experience.

Don’t miss out on this opportunity – seize it now and reap the rewards!