Top Grocery Credit Cards in UAE 2026
1. FAB Share Credit Card - Up to 7% Cashback
The FAB Share card offers the highest grocery cashback rate in the UAE, with up to 7% on Carrefour purchases and 5% at other supermarkets.
FAB Share - Key Features
Carrefour Rate
7%
Highest in UAE
Other Supermarkets
5%
Lulu, Spinneys, etc.
Monthly Cap
AED 500
Maximum cashback per month
Annual Fee
AED 0
Free for life
Best For: Families who shop primarily at Carrefour. The 7% rate is unmatched, and the free-for-life status makes it risk-free.
Calculation Example: If you spend AED 5,000/month at Carrefour:
- Monthly cashback: AED 350 (7% of AED 5,000, capped at AED 500)
- Annual cashback: AED 4,200
- Net value: AED 4,200 (no annual fee)
- Effective return: 7% on Carrefour spending
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 500
Part of total 5% category cap
Annual Fee
AED 525
Waived at AED 120,000/year spend
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 250
Annual Fee
Free
4. Mashreq Cashback - 5% with Category Flexibility
Mashreq Cashback offers 5% on groceries with a AED 200/month cap, plus good rates on other categories.
Grocery Card Comparison Table
| Card | Grocery Rate | Monthly Cap | Annual Fee | Max Annual Value |
|---|---|---|---|---|
| FAB Share | 7% (Carrefour) | AED 500 | Free | AED 6,000 |
| ADCB 365 | 5% | AED 500 | AED 525 | AED 5,475 |
| RAKBANK Titanium | 5% | AED 250 | Free | AED 3,000 |
| Mashreq Cashback | 5% | AED 200 | Free | AED 2,400 |
Which Supermarket Do You Shop At?
Your primary supermarket can influence which card is best:
- Carrefour shoppers: FAB Share (7%) is unbeatable
- 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
7% on Carrefour, cap: AED 500/month
Secondary: ADCB 365
5% on overflow spending, cap: AED 500/month
Total Annual Value:
AED 12,000+
For AED 10,000/month grocery spend
Frequently Asked Questions
Do grocery cards work at all supermarkets?
Most cards (like ADCB 365) work at all supermarkets. FAB Share offers 7% specifically at Carrefour and 5% elsewhere. Always check the card’s terms to confirm which merchants qualify for grocery rewards.
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 7% rate really worth it?
If you shop at Carrefour regularly, yes. The 7% rate is 40% higher than standard 5% cards. On AED 5,000/month spending, that’s an extra AED 100/month (AED 1,200/year) compared to a 5% card.
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.
Find Your Best Grocery Card
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