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What Does It Mean to Get Cash Back on a Credit Card?

The primary benefit of using a cash back credit card is simplicity. As you don’t need to think too much that how you’re earning while using your cash back credit card,

What could be the best thing than getting a little cash back on your everyday spending that you do with your credit card? Well, of course, we all love to avail money back. That exactly how cash back credit card in UAE work and makes them appealing to most of the consumers.

Cash Back on a Credit Card

The primary benefit of using a cash back credit card is simplicity. As you don’t need to think too much that how you’re earning while using your cash back credit card.

The primary benefit of using a cash back credit card is simplicity. As you don’t need to think too much that how you’re earning while using your cash back credit card, and when it comes to redeeming the cash back, the best cash back card in UAE is simple aThe primary benefit of using a cash back credit card is simplicity. As you don’t need to think too much that how you’re earning while using your cash back credit card,nd straightforward. Most of the cardholder just deduct their cash back from their accumulative balance or redeem it for gift cards.

Well, there is a wide range of cash back credit cards are available in the UAE offered by the several banks. You can also avail one to make your spending more rewarding. But before you opt for the one, make sure you know everything about the cash back credit card in UAE:

What is a cash back credit card?

Spending more on your credit card is always not a bad thing. It may end up earning you more and more. Well, that’s exactly what credit card does. The best cash back card in UAE pays its cardholder some percentage of their purchases in terms of money as an additional balance on their credit card. And if you clear off your outstanding amount every month in full, you can utilize that cash back to avail discounts, gifts, and other privileges.

But just like other credit cards, some limitations apply. The cash back amount differs from card to card. Also, it varies depending on the type of purchase you are making. Besides, some of the cash back credit card providers require a cardholder to make minimum monthly spends to avail cash back. That is why it is quite important to read the fine print before applying for a cash back credit card in UAE.

Best Cash Back Credit Cards In UAE

Let’s have a look at some of the best cash back credit cards offered by a few banks & financial institutions in the UAE:

  1. Standard Chartered Bank Platinum Credit Card

Among a wide range of Standard Chartered Bank credit cards, Standard Chartered Bank Platinum Credit Card is indeed the best cash back card in UAE that offers plenty of exciting privileges and benefits apart from the cash back. Some of the key features & benefits of the SCB Platinum Credit Card are as follows:

  • Can avail a maximum of 10 percent cash back at supermarkets, utility bill payments, and on school fees.
  • Unlimited free airport lounge access to more than 20 local as well as international airport lounges.
  • Can get 20 percent off on Careem rides.
  • Can avail a maximum of 10 percent discount on bookings made through hotels.com.
  • Can avail a maximum of 30 percent discount on travel bookings made through cleartrip.ae.
  • Buy one, get one free offer at Costa Coffee.
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  1. RAKBank Titanium Credit Card

RAKBank Titanium Credit Card is among the best cash back card in UAE that offers amazing cash back to its cardholder. In addition to this, this cash back credit card caters a wide range of benefits & privileges that are unmatched by other credit cards. Some of them are as follows:

  • No annual fee charged on this card for life long.
  • Can avail 5 percent cash back on spending at specific restaurants & supermarkets.
  • Can avail a maximum of 50 percent on movie spends.
  • Can avail 2 percent standard cash back on a local purchase, international purchase, online transactions, and also international cash advance.
  • Complimentary purchase protection and travel accident insurance.
  • Unlimited free airport lounge access to more than 10 VIP lounges at some specific airports.
  1. ADIB Cashback Visa Platinum Credit Card

ADIB (Abu Dhabi Islamic Bank) offers different cash back credit cards in the UAE to reward the card owner for using their card. Amongst all the cash back credit cards, ADIB Cash back Visa Platinum Credit Card is the best cash back card in UAE that offers cash back on every spending. Below specified are the key features & benefits of this credit card:

  • 1 percent cash back on every purchase using this credit card.
  • No annual charges on 4 supplementary credit cards
  • Free airport lounge access across the world with Veloce Lounge.
  • Complimentary valet parking benefits and roadside assistance.
  • Free grace period of a maximum of 55 days to repay the card’s outstanding balance.

Important Things to Consider before getting a Cash back credit card in UAE:

Before you apply for a cash back credit card in UAE, make sure you take the following things into consideration:

  • Spending Eligibility Criteria: Generally, there is a minimum amount that the cardholder needs to be spent using the cash back credit card for availing the cash back offers. Be sure that you carefully go through the spend eligibility criteria before applying for a credit card in UAE as the minimum spending amount differs from one card to another.
  • Upper Limits: Just like there is a minimum amount requirement for availing cash back, most of the banks also set an upper limit on the maximum amount of cash back which can be availed by the card owner. Else, some banks have also category specific limits for availing cash back against their purchases. Hence, all these things need to be clear out before applying for a cash back credit card in UAE to avoid any kind of misinterpretation.
  • Fine Print: Last but not least, it is very imperative for the applicant to go through the fine print before applying for a credit card. Since it is where the most important information mentioned regarding the credit card that you must be aware of. Is cash back available on all merchants or is there only a specific list of merchants? Will you be able to combine other offer along with the cash back? Etc.

In A Nutshell

So, if you are looking for the best cash back card in UAE then you can consider the above-mentioned cashback credit cards. Not only they offer amazing cashback on everyday spending but also they come with a wide range of exciting benefits & privilege. But make sure, you go through the fine print carefully before applying for a cash back credit card in UAE to make the most of your credit card.

Rokey Jhonson