Best Credit Cards for Fuel and Groceries in the UAE (2026)

For fuel and groceries, the ADIB Cashback Visa pays 4% on both, each capped at AED 300 a month, for AED 99 plus VAT. The ADCB 365 Cashback pays 5% on fuel and Salik and 3% on groceries if you spend AED 5,000 a month. CBD Super Saver reaches 10%, but only above AED 20,000 of monthly spend.

Rates, caps and fees below come from each bank's product page, key facts statement or cashback terms, checked in September 2026. Supermarket and fuel rates change more often than most card terms, so check the bank's current terms before you apply. For the full ranking, see the best credit cards in the UAE, and for cashback on all categories, our best UAE cashback cards guide.

Fuel and grocery credit cards compared

Caps are per month for ADIB, DIB and CBD and per statement for HSBC. ADIB and DIB cards are Shariah-compliant covered cards; the others are conventional credit cards.

Which UAE credit card pays the most on fuel?

On the headline rate, the ADCB 365 Cashback and HSBC Live+ both pay 5% on fuel. ADCB's rate also covers Salik, which matters if you commute through toll gates every day. The catch is the threshold: ADCB pays no cashback at all in a month where you spend under AED 5,000 on the card, while HSBC's rate needs AED 3,000 and stops at AED 200 of fuel cashback per statement, which is AED 4,000 of fuel.

The ADIB Cashback Visa pays 4% on fuel and automobile spend, capped at AED 300 a month, which covers up to AED 7,500 of spend. That wider category can include car servicing as well as petrol, which suits families running two cars. DIB pays 3% on fuel but caps it at AED 100 a month, and adds 3% on Salik and Nol top-ups up to AED 25.

Two cards are weak on fuel. RAKBANK Red pays only 0.25% at petrol stations, and Liv treats fuel as ordinary spend, so it earns the tier rate of 0.75% to 2%.

Which UAE credit card pays the most on groceries?

At everyday spend levels, the ADIB Cashback Visa leads with 4% on grocery and supermarket spend, up to AED 300 a month. The ADCB 365 and DIB Consumer Cashback both pay 3%. DIB's supermarket cap is AED 300 a month until 10 October 2026, when DIB says it falls to AED 200. HSBC Live+ pays 2% up to AED 200.

The CBD Super Saver is the exception at high spend. Its cashback depends on your total card spend in the calendar month: 3% from AED 3,000 to AED 9,999, 5% from AED 10,000 to AED 19,999 and 10% from AED 20,000. Each of its four categories (utility bills, education, supermarkets and fuel) is capped at AED 75, AED 100 or AED 150 depending on the tier, and total cashback at AED 600 a month. Spend under AED 3,000 and the card earns nothing.

How much would a typical family earn?

As an illustration, take a household that puts AED 6,300 a month on one card: AED 2,000 of groceries, AED 800 of fuel and AED 3,500 of other local spending. Assuming every purchase qualifies, the monthly cashback would be roughly:

• ADCB 365 Cashback: AED 60 on groceries, AED 40 on fuel and AED 35 on the rest at 1%, about AED 135. Spend is above AED 5,000, so cashback applies.
• ADIB Cashback Visa: AED 80 on groceries and AED 32 on fuel, about AED 112 from these two categories. ADIB's published terms do not show a rate for other spend.
• HSBC Live+: AED 40 on groceries, AED 40 on fuel and AED 17.50 on the rest at 0.5%, about AED 97.50, with the annual fee waived at this level of spend.
• Liv Cashback: AED 6,300 falls in the 1.5% tier, about AED 94.50, with no fee.
• CBD Super Saver: total spend is in the 3% tier, so AED 60 on groceries and AED 24 on fuel, about AED 84.
• DIB Consumer Cashback: AED 60 on groceries and AED 24 on fuel, about AED 84.

Over a year, the ADCB card earns about AED 1,620 against a fee of AED 383.25 from year two, and the ADIB card about AED 1,344 against AED 103.95 including VAT. The ranking changes with your mix. If you pay school fees by card, DIB and CBD pull ahead, because both pay cashback on education and ADCB does not.

What else should you check before choosing?

• Minimum spend. ADCB needs AED 5,000 in the calendar month; DIB, CBD and HSBC need AED 3,000. Miss it and the bonus rate disappears for that month.
• Category definitions. Banks decide what counts as a supermarket or fuel station from the merchant code. CBD, for example, excludes chiller, LPG and drinking water bills from its bills category.
• Caps. A 4% rate with an AED 300 cap stops earning after AED 7,500 of spend in that category.
• Foreign spend. These are cards for local spending. DIB charges 3.70% on non-AED spend and CBD 3.5%.
• Changes. DIB has announced lower supermarket and school fee caps from 10 October 2026, a reminder that rates move.

If your salary is AED 12,000 or more and you live in Abu Dhabi, Emirates NBD's Duo card is also worth a look. Its product page lists 5% in Plus Points on grocery, electronics, utilities, education and fuel when you spend AED 5,000 a month, 1.5% below that, and a cap of 500 Plus Points per statement.

Do fuel cards also pay on Salik, Nol and car servicing?

Some do, and for commuters these extras can matter as much as petrol. ADCB's 5% fuel category on the 365 Cashback includes Salik. DIB pays 3% on Salik and Nol top-ups, capped at AED 25 a month, and 3% on auto servicing, capped at AED 300. ADIB's 4% category covers fuel and automobile spend together, within the same AED 300 cap. At the other end, RAKBANK Red pays 0.25% on transit and transport as well as fuel, and Liv pays 0.1% on government, utility and bill payments, so check how your Salik top-ups are classified before relying on those cards.

Should you use one card or two?

Splitting spend can raise your return, but only if each card still meets its own minimum. A common approach is a category card for groceries and fuel plus a flat-rate card for everything else. The risk is the thresholds: the ADCB 365 pays nothing unless that card alone sees AED 5,000 in the month, and DIB, CBD and HSBC need AED 3,000. Split AED 6,000 evenly across two cards and you may fall below every threshold.

Two cards also mean two limits counting towards the Central Bank's 50% debt burden ratio and two due dates to manage. For most households, one well-chosen card paid in full each month beats a complicated setup that misses thresholds or payments.

How to pick a fuel and grocery card in four steps

1. Pull three months of statements and total your spend on groceries, fuel, Salik, school fees and everything else.
2. Check which cards' minimum monthly spend you meet comfortably, not just in a good month.
3. Apply each card's rates and caps to your own numbers, and subtract the annual fee.
4. Pick the card that wins on your real mix, and keep the full balance paid so interest or profit charges do not cancel out the cashback.

For most families spending AED 5,000 or more a month, the ADCB 365 Cashback and the ADIB Cashback Visa are the two to compare first. If your spend is lower or uneven, the free Liv Cashback avoids paying a fee in months you do not use it much. Our Islamic cards guide covers more Shariah-compliant options.