10 Grocery Credit Cards in UAE 2023 (January Updated) -Comapre4Benefit


The right choice of credit cards for grocery shopping in UAE can help you save your money. Credit cards these days offer benefits.

You can save money by spending on groceries every month in UAE. Groceries are an inalienable part of our lives. Anything can be cut, but not on groceries. Grocery shopping is a necessary component of our daily routine.

What do you buy? How much did you buy? Where do you buy groceries from?

Answers to these depend solely on you. However, it is true that whatever you buy or how much you buy or from wherever you buy your groceries you can save your money with the right choice.

It’s just a matter of choice. The choice of credit cards you use to pay for your groceries.

Credit cards are not only an easy way to handle your money. They can also help you to earn money or to save money. Banks in UAE offer you different benefits with each credit card. So it’s important to know about these benefits of spending your money smartly and wisely.

The right choice of the credit card used to spend on groceries can help you save your money. Credit cards these days offer benefits like cashback offers, discounts, etc.


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

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.

10 Best Grocery Credit Cards in UAE

1 Citi Bank Cashback Credit Card
2 Emirates Islamic Cashback Plus Credit Card
3 FAB Cashback Card
4 CBD Super Saver Credit Card
5 RAKBANK World Credit Card
6 DIB Consumer Reward Card
7 Standard Chartered Manhattan Platinum Card
8 Emirates NBD WebShopper Credit Card
9 Dubai First Cashback Credit Card
10 ADIB Cashback Visa Platinum Card

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

1. Citi Bank Cashback Credit Card

Citi Cash Back Credit Card

1 Minimum Income AED 8000/month
2 Annual Fee AED 0 (Year 1)
3 Age 21 or older

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.

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

Minimum Income AED 5000/month
Annual Fee AED 313.95
Rate 3.49%

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.


  • 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

Minimum Income AED 5000/month
Annual Fee AED 315
Rate 3.50%

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.

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

Minimum Income AED 8000/month
Annual Fee AED 0( Year 1)
Rate 3.45%

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.

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

Minimum Income AED 20000
Annual Fee AED 0
Rate 3.25%

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.

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

Minimum Income AED 5000

Annual Fee AED 150
Rate 3.25%

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.


  • 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

Minimum Income AED 5000
Annual Fee AED 0
Rate 3.45

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.


  • 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

Minimum Income AED 5000
Annual Fee AED 50
Rate 2.99%

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.

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

Minimum Income AED 10000
Annual Fee AED 399
Rate 3.50%

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.

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

Minimum Income AED 10000
Annual Fee AED 1000
Rate 3.10%

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.

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

That’s it. But this isn’t the end of the list. There are many more on the row. Just analyze how much you spend and where you spend more and make a decision that suits you best.

When you are left with a lot of choices, the best thing you can do is to compare the rewards and other offers and also consider the charges for credit cards and finally choose the one that will benefit you the most.

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

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.


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