← All 173 cards
CashbackVisa
ADIB
Cashback Covered Credit Card
No salary transfer needed
Min. salary
–Not published in the catalogue yet; it is not zero.
Annual fee
–Not published in the catalogue yet; it is not zero.
Monthly rate
3.75%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
55.5%
01Fees & rates
What it costs.
- Annual fee
- –Not published in the catalogue yet; it is not zero.
- Monthly rate
- 3.75%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 55.5%
- Minimum salary
- –Not published in the catalogue yet; it is not zero.
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- 4% cashback on supermarket & grocery spends (max AED 300/month)
- 4% cashback on fuel & automobile spends (max AED 300/month)
- 4% cashback on school/education payments (max AED 300/month)
- 4% cashback on dining & restaurant spends (max AED 200/month)
- 4% cashback on utility payments (max AED 100/month)
- Maximum monthly cashback cap of AED 1,000
- Withdraw 100% of your finance limit as cash
- Free grace period up to 55 days; four free supplementary cards
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026; cards marked reviewed carry figures verified against the banks' own schedules of charges (4 July 2026). Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.