Top Grocery Credit Cards in UAE 2026
1. FAB SHARE Credit Card - Up to 4-6% at Carrefour (SHARE ecosystem)
The free FAB SHARE Platinum earns SHARE points worth up to 4% at Carrefour, Mall of the Emirates and City Centres (up to 6% on the AED 1,500/year Signature) — redeemable at those same MAF stores. Away from the SHARE ecosystem (Lulu, Spinneys, other supermarkets) it earns only ~0.15%.
FAB SHARE (Platinum) - Key Features
Carrefour / MAF Rate
Up to 4%
SHARE points at Carrefour, MoE, City Centres (6% on Signature)
Other Supermarkets
~0.15%
Lulu, Spinneys (SHARE fallback rate)
Monthly Cap
AED 2,500
SHARE points value (Platinum)
Annual Fee
AED 0
Free for life (Platinum); Signature is AED 1,500/year
Best For: Families who shop mostly at Carrefour, Mall of the Emirates or City Centres. Rewards come as SHARE points redeemable at those MAF stores, not broad cashback — so it’s poor value if you shop elsewhere.
Calculation Example: If you spend AED 5,000/month at Carrefour on the free Platinum:
- Monthly value: AED 200 (4% in SHARE points)
- Annual value: AED 2,400 in SHARE points
- Net value: AED 2,400 (no annual fee)
- Effective return: 4% at Carrefour/MAF only (~0.15% elsewhere)
2. ADCB 365 Cashback Card - 5% on All Groceries
The ADCB 365 card offers a flat 5% cashback on groceries at any supermarket, making it ideal if you shop at multiple stores.
ADCB 365 - Key Features
Grocery Rate:
5%
At all supermarkets (Carrefour, Lulu, Spinneys, etc.)
Monthly Cap
AED 1,000
Shared across all bonus categories (AED 5,000 min monthly spend)
Annual Fee
AED 383.25
First year free
Best For: Shoppers who visit multiple supermarkets or prefer flexibility. The 5% rate applies everywhere, not just specific chains.
3. RAKBANK Titanium - 5% with Free Annual Fee
RAKBANK Titanium offers 5% cashback on groceries with no annual fee, making it excellent value for moderate grocery spenders.
RAKBANK Titanium - Key Features
Grocery Rate:
5%
Monthly Cap
AED 150 (shared with dining; AED 5,000 min monthly spend)
Annual Fee
Free
4. Mashreq Cashback - 5% on Dining, Not Groceries
Mashreq Cashback earns 5% on dining but only the general 1% on groceries — it’s a dining card, not a grocery card. Included here for comparison, not as a grocery pick.
Grocery Card Comparison Table
| Card | Grocery Rate | Monthly Cap | Annual Fee | Max Annual Value |
|---|---|---|---|---|
| FAB SHARE (Platinum) | Up to 4% at Carrefour/MAF | AED 2,500 (SHARE pts) | Free | ~AED 2,400 |
| ADCB 365 | 5% | AED 1,000 shared | AED 383.25 (yr 1 free) | ~AED 11,600 at cap |
| RAKBANK Titanium | 5% | AED 150 (with dining) | Free | ~AED 1,800 |
| Mashreq Cashback | 1% (groceries) | Credit limit | Free | Varies (5% dining) |
Which Supermarket Do You Shop At?
Your primary supermarket can influence which card is best:
- Carrefour / MoE / City Centres shoppers: FAB SHARE (up to 4-6% as SHARE points at those MAF stores)
- Lulu shoppers: ADCB 365 or RAKBANK Titanium (both 5%)
- Spinneys/Waitrose shoppers: ADCB 365 (5% everywhere)
- Multiple stores: ADCB 365 for flexibility
Stacking Grocery Cards
If you spend more than AED 7,000-10,000/month on groceries, consider using 2 cards:
Example Stack for High Grocery Spend
Primary: FAB SHARE (Platinum)
Up to 4% SHARE points at Carrefour/MAF, cap: AED 2,500/month
Secondary: ADCB 365
5% on other-supermarket spending, cap: AED 1,000/month shared
Total Annual Value:
~AED 6,000
For AED 10,000/month grocery spend (mostly via ADCB 365 at 5%)
Frequently Asked Questions
Do grocery cards work at all supermarkets?
Most cards (like ADCB 365) earn their grocery rate at all supermarkets. FAB SHARE is different — its up-to-4-6% rate is SHARE points earned only at Carrefour, Mall of the Emirates and City Centres; other supermarkets earn only ~0.15%. Always check the card’s terms to confirm which merchants qualify.
What happens if I exceed the monthly cap?
Spending beyond the cap earns the lower “general” rate (usually 0.5-1%). This is why high grocery spenders should consider stacking cards or choosing cards with higher caps.
Is the FAB SHARE rate really worth it?
Only if you shop at Carrefour, Mall of the Emirates or City Centres, since the up-to-4% (Platinum) / 6% (Signature) is earned as SHARE points at those MAF stores. On AED 5,000/month at Carrefour, the free Platinum returns about AED 200/month in SHARE points. Everywhere else it earns only ~0.15%, so a flat 5% card like ADCB 365 is better for general grocery shopping.
Can I use multiple grocery cards?
Yes! Many families use FAB Share for Carrefour purchases and ADCB 365 for other supermarkets. This maximizes rewards across all your grocery spending.
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