Data report
Cashback Value Leaderboard
Which UAE cashback cards deliver the highest net annual value at a monthly spend of AED 3,000?
Published 1 June 2026
Key findings
- Mashreq Cashback Card (5% cashback, no annual fee) tops the leaderboard; RAKBANK Titanium earns 3% cashback and also carries no annual fee.
- ADCB 365 trails despite its higher base rate because of its AED 524 fee.
- Net value diverges quickly: a 3-percentage-point cashback gap equals AED 1,080/year at this spend.
Methodology
Net cashback value = (cashback rate × AED 36,000 illustrative annual spend) − annual fee. Bonus categories and spend-cap nuances are excluded for simplicity; real value depends on your actual spend mix. Illustrative fixtures only.