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Dubai First Cashback Card

With transparent cashback displayed per transaction and no minimum spend requirement, Dubai First cashback card offers 5% cashback on supermarket, dining and fuel.

Earning Rates

  • 5% cashback on dining, supermarket and fuel spending (up to AED 150 per category per cycle)
  • Up to 0.5% cashback on most international and domestic spending. 
  • 0.15% cashback on utility, government, transit, schools, bookstores, florists, photo studios, catering and laundry, real estate, insurance and charity.

Cashback is deposited in your cashback wallet, 1-3 days post transaction. You can only early cashback up to your credit limit.


Card Snapshot:

Annual Fee: ​ ​AED 418.95
Card Type: ​ ​​​Mastercard Platinum®
Income Required: ​AED 5,000 per month

Valet parking: ​ ​ ​✘ 
Per Trans. Rewards Tracking:​ ✔             
Airport Lounge: ​ ​​​ ​✔ (Limited Airports)
Discounted Airport Transfer: ​​✘ 
Cinema Offer: ​ ​​ ​✔ (Vox Cinemas)
No Min. Qualifying Spend:​ ​✔
​No Annual Fee:​ ​ ​ ​✘
Insurance:​ ​ ​ ​ ​✘
Golf:​​ ​ ​ ​ ​ ​✘


Perks

  • Clear cashback earn rate displayed in app, for every transaction. ​
  • Unlimited airport lounge access, only at select airports.
  • Up to 4 standard cinema tickets at Vox at 20AED each, plus 20% off on food and beverage (minimum AED 4,000 spending required, weekends only)
  • Up to 20% discount of up to AED 14 on Talabat orders, once a month. 


Details

Dubai First Cashback Credit card offers one of the highest cashback rates for both groceries and dining. Even better, Dubai First app displays cashback earn rate per transaction, a transparency that is a huge win for the consumer.

Earn rate:

5% on groceries and supermarket, dining and fuel.  Dubai First Cashback card offers one of the highest cashback rates on both dining and supermarket spending. There are other cards offering better cashback rates on fuel, such as Emirates Islamic Cashback Card which offers 10% cashback on fuel.
0.5% on everything else, except government, utility, transit, schools, bookstores, florists, photo studios, catering, laundry, real estate, insurance and charity. This is quite an extensive list, but the app displays the exact cashback earned on each transaction. 

Perks:

Airport Lounge: Limited number of lounges available, mostly in the region.

Cinema Offer: get 4 cinema tickets per month for AED 20, plus 20% discount on cinema food and drinks. This offer only applies in weekends (Friday, Saturday and Sunday) and is subject to a minimum AED 4,000 spend. 

Talabat: 20% off Talabat orders once a month, up AED 14, using promo code "MASTERCARD".


My Take

For someone who eats out a lot, this is the perfect card. With a relatively low income requirement, it offers one of the best cashback rates for dining, groceries and fuel. 

A killer feature of this card is its transparency. Every transaction's cashback rate is clearly labelled on the app which helps you strategize your spending. There are some surprise categorizations. For example, Talabat is categorized as dining, but Careem Food is not. A supermarket near my house is not categorized as supermarket, I'm assuming because it's in an Emaar shopping mall, and to make sure correct points points are rewards to U By Emaar credit card holders (this is just my theory). 
It sometimes works the other way around too. Life Pharmacy's online shop used to give a 5% cashback but it no longer does. 

The cashback you earn is added to a cashback wallet, 1-3 days after spending date and can immediately be claimed with no minimum claim restrictions. This is one of the most flexible cashback systems in the UAE.

One thing to note, once you have this card, you can't apply for most FAB credit cards (Etihad and GEMS cards are the exception). So it's worth spending some time knowing FAB's offerings as well so you can make the most out of your spending. 

This card is on my most recommended list to friends and family. High cashback rates, numerous offers with multiple large vendors in the UAE, and a transparent and flexible cashback system, makes this card a must have for a lot of people.

Apply for DF Cashback Card












First Abu Dhabi Bank

A result of the merger between National Bank of Abu Dhabi (NBAD) and First Gulf Bank (FGB) ,First Abu Abu Dhabi Bank is the largest bank in the UAE by total assets. Dubai First was acquired by FGB in 2013 and became a part of FAB after the merger. 

 






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