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Mashreq vs ADIB: Cashback Credit Card Showdown
Compare dining rewards and fees for UAE's top cashback cards
Choosing Between Mashreq and ADIB
You're choosing between Mashreq Cashback Credit Card and ADIB Covered Card. Here's what actually matters. Both cards offer up to 5% cashback on dining, but differ in fees and eligibility requirements.
Rates and terms shown are representative. Your actual rate depends on your credit profile and circumstances. This is not financial advice — always read the lender's terms before applying.
Dining Rewards and Eligibility
For those who enjoy dining out, both cards offer compelling cashback rewards. However, eligibility and associated fees could be the deciding factors.
بنك المشرق بطاقة كاش باك
The Mashreq Cashback Credit Card shines with its no annual fee policy and up to 5% cashback on dining, ideal for those who frequently dine out. However, many spend categories offer only 0.33% cashback, dropping further to 0.15% in June 2026. This card is best for UAE cardholders focused on dining rewards without wanting to worry about fees.
ADIB Covered Card
The ADIB Covered Card also offers up to 5% cashback on dining, making it a strong contender for those seeking Sharia-compliant options. While the first year is fee-free, subsequent years incur an annual fee. This card is limited to ADIB account holders, which could be a drawback for some. It's a solid choice for those committed to Islamic banking.
If you're open to a card with an annual fee, the Dubai Islamic Bank Consumer Cashback Reward Card offers a different set of rewards focusing on everyday spending.
Everyday Spend Options
Next, let's explore options for those with steady household spending.
Islamic Credit Card from Dubai Islamic Bank
Dubai Islamic Bank's card offers up to 3% cashback on practical categories like groceries and fuel, which can be lucrative if you meet the AED 3,000 monthly spend requirement. The AED 200 annual fee is a consideration, but the generous cashback cap of AED 1,000 monthly can offset this for heavy spenders. This is recommended for UAE residents who have regular household expenses.
Ultimately, the choice between these cards depends on your spending habits and financial priorities. For those who prioritize dining and want to avoid annual fees, the Mashreq card is a standout choice. However, if Sharia compliance and broader spending categories are more important, the ADIB card offers valuable benefits despite its fees. Meanwhile, Dubai Islamic Bank's card rewards everyday spending but requires a higher commitment to monthly expenses.