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🪪 Expat lifeMoney✓ Verified Mar 2026

Best Credit Cards in UAE 2026: By Spending Category

UAE has 200+ credit cards. Best by category in 2026: groceries, fuel, dining, travel, miles, cashback. Here is the curated list.

·7 min read·By the Tovi UAE Team

Quick answer

The best credit cards in UAE 2026 are selected by spending category rather than overall ranking. For groceries, ADCB TouchPoints Infinite gives 8x points on Spinneys and Choithrams. For fuel, Mashreq Credit Card offers 10% back at ENOC and EPPCO. For dining, Emirates NBD Duo gives 4% cashback at restaurants. For travel, Emirates Skywards Infinite provides 8x Skywards miles on Emirates flights. For miles accumulation, Citi Premier Miles Card earns 2.5 miles per AED. For cashback, HSBC Cashback Card delivers 5% on selected merchants.

Best card for groceries

ADCB TouchPoints Infinite earns 8x TouchPoints on Spinneys, Choithrams and Waitrose. 1000 points convert to AED 4.50 value when redeemed against statement credit. Minimum spend of AED 500 per month is required to activate the bonus rate. Annual fee is AED 1,500, waived on first year or when spending reaches AED 50,000 annually. The card also gives 4x points on all other supermarkets.

Alternative grocery options

Mashreq Solitaire offers 6x points at Carrefour and Lulu Hypermarket. 5000 points = AED 20 credit. Annual fee AED 750, waived with AED 30,000 annual spend. Fabi by FAB offers 5x points on groceries but limited to online orders only.

Best card for fuel

Mashreq Credit Card gives 10% cashback at ENOC and EPPCO stations when payment is made through the Mashreq Mobile app. Cashback cap is AED 150 per month. Annual fee AED 350, waived with minimum AED 12,000 annual spend. The card also earns 2% cashback on all other transactions.

Alternative fuel options

ADCB TouchPoints Infinite earns 6x points at all fuel stations, 1000 points = AED 4.50 value. Annual fee AED 1,500. RAKBANK Visa Signature earns 5x points at ENOC and EPPCO with 5000 points = AED 20 credit. Annual fee AED 300.

Best card for dining

Emirates NBD Duo gives 4% cashback at restaurants, cafes and delivery apps including Talabat and Careem Food. Cashback is credited monthly. Annual fee AED 750, waived with AED 40,000 annual spend. The card also earns 2% cashback on all other categories.

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