If there’s one spend category in your home finance budgets that you cannot cut down drastically – it’s the weekly trips to the supermarket. From groceries to toiletries and cleaning liquids, any household requirement is usually high on the list and tough to delay.

So how do UAE credit card providers fare, in rewarding you for your regular expenditure at the supermarkets? We round up a few credit cards that either offer cashback on supermarket spend or a loyalty program to your community store. Which one would you add to your cart?

Have a look at the list below and see how you can get the most out of your next trip to the supermarket when you use your credit card. For credit cards with benefits on all supermarkets, be sure to check with your provider whether your preferred supermarket is covered.

Credit card Supermarket offer Watch for Other rewards
Standard Chartered Titanium Card
  • Earn up to 10% cashback on supermarket spends.
  • To start earning cashback you need to spend a minimum of AED 2,500 per month for all purchases.
  • For spends between AED 2,500 to 4,999 you earn 3% as cashback(maximum AED 100 a month), for spends between AED 5,000 to 9,999 you earn 5% as cashback (maximum AED 200 a month), for spends above AED 10,000 you earn 10% as cashback (maximum AED 400 a month).
  • Annual fee for this card is AED 300.
  • Up to 10% cashback on utility bill payments (maximum AED 200 a month).
  • Up to 10%cashback on school fee spends (maximum AED 400 a month).
  • 50% off at any VOX Cinema in the UAE (maximum of six tickets per movie session).
  • Dining discounts and lifestyle benefits with the Standard Chartered Privileges.
RAKBANK Géant La Carte Credit Card
  • Earn La Carte Points and redeem them for Géant Vouchers.
  • Discounts of up to 30% for La Carte customers at Géant hypermarket.

 
  • You earn 2 La Carte points for every AED 10 spent at the Géant Hypermarket and Le Marché supermarkets in the GCC.
  • You earn 1 La Carte point for every AED 10 spent for other purchases in the UAE and abroad.
  • 1,000 La Carte points entitle you to a AED 100 Géant voucher to be collected from the Customer Service desk in the RAKBANK branch in Ibn Battuta Mall.
  • There is no annual fee for this card.
  • A quick check-out facility at all Géant Hypermarkets special counters.
  • Annual draw to win AED 1,000,000.
  • Dining discounts with RAKfeast.
  • Get a Géant’s leaflet on a monthly basis with offers and discounts.
ADCB LuLu Standard Card
  • Earn LuLu points and redeem for vouchers.
  • If you spend a minimum of AED 1,000 per month you earn 1.5 LuLu points for every AED 1 spent at the LuLu hypermarket, Emirates General and Al Falah stores in UAE and 0.5 LuLu points for every AED 1 for other purchases in the UAE and abroad.
  • If minimum spend is less than AED 1,000 per month you will earn 0.5 LuLu point for every 1 AED spent anywhere.
  • Collect 5,000 Lulu points to redeem instantly at any LuLu store. 100 LuLu Points = 1 AED
  • There is no annual fee for this card.
  • Convert your purchases to installment plans of up to 12 months at 0% from selected merchants.
  • Get a 5% discount on travel related spends.
ADCB LuLu Platinum Card
  • Earn Lulu points and redeem for vouchers.
  • If you spend a minimum of AED 5,000 per month you earn 5 LuLu points for every AED 1 spent at the LuLu hypermarket, Emirates General and Al Falah stores in UAE and 1.25 LuLu points for every AED 1 for other purchases in the UAE and abroad.
  • If minimum spend is less than AED 3,500 per month you will earn 1.25 LuLu point for every 1 AED spent anywhere.
  • Collect 5,000 Lulu points to redeem instantly at any LuLu store. 100 LuLu Points = 1 AED. 
  • There is no annual fee on this card.
  • Free access to MasterCard airport lounges in select regions.
  • Convert your purchases to installment plans of up to 12 months at 0% from selected merchants.
  • Get a 5% discount on travel related spends.
SAMBA Titanium Everyday Card
  • Earn up to 5% cashback on supermarket spends through the Cash Points program.
  • For spends up to AED 1,000 you earn Cash Points of 2% of monthly purchase value. For spends between AED 1,001 to 2000 you earn Cash Points of 3% of monthly purchase value. For spends between AED 2,001 to 5,000 you earn Cash Points of 4% of monthly purchase value. For spends above AED 5,001 you earn Cash Points of 5% of monthly purchase value.
  • To redeem cashback, you are required to call SambaPhone Banking and place a request. 1 Cash Point = AED 1 and the minimum cashback redemption amount is 100 Cash Points.
  • The redemption process can take up to seven working days.
  • The maximum amount of cashback that can be earned yearly for supermarket and utility bill spends is AED 1,000.
  • 50% cashback on movies
  • Up to 10% cashback on entertainment spends
  • Up to 3% cashback on all utility bills
  • Up to 0.5% cashback on all other spends.
  • The maximum amount of cashback that can be earned overall in a year is AED 2,000.
Emirates Islamic Union Coop Tamayaz Card
  • Earn Tamayaz points and redeem for items in Union Coop.
  • For every AED 1 spent at Union Coop, you earn 1 Tamayaz point and 2.5 Choice points.
  • For every AED 1 spent in other retail stores, you earn 1.5 Choice points, but no Tamayaz points.
  • You can redeem Tamayaz points for purchases in Union Coop, and Choice Points for vouchers at select retail outlets. For 12,500 Tamayaz points you get a Union Coop voucher of AED 100.
  • There is no annual fee for the first year. Thereafter, an annual fee of AED 200 will apply. However if you spend a minimum of AED 5,000 per year, it will be waived.
  • Dining shopping and travel benefits through Mazaya Offers.
  • Earn 1,500 Etihad Guest Miles when you redeem 14,000 Choice Points, and 2,000 Etihad Guest Miles when you redeem 16,000 Choice Points. However, to earn miles you need to have an Etihad Guest account.
Noor Bank wafa Credit Card
  • For spends up to AED 1,500 you earn 2% of monthly purchase value as cashback.
  • For spends between AED 1,501 to 3,000 you earn 5.5% of monthly purchase value as cashback.
  • For  spends above AED 3,000 you earn 11% of monthly purchase value as cashback.
  • There is no annual fee for the first year. Thereafter, an annual fee of AED 300 will apply.
Union National Bank Cash Back Credit Card
  • Earn up to 3% cashback on daily shopping.
  • Daily shopping has been defined by UNB as spending on grocery and supermarkets, gas, pharmacies, home furnishing, books and toys, ladies clothing, vegetable markets and household appliances.
  • You are required to spend a minimum of AED 1,000 per month to start earning cashback.
  • Maximum amount per year as cashback is AED 3,600.
  • Annual fee for this card is AED 250.
  • An additional 0.5% is offered as cashback for revolving credit card payments.
Union National Bank
Extra ADCOOP Credit Card
  • Earn EXTRA Cashback value points for all spends and redeem for vouchers at Abu Dhabi Co-Operative Society & Costless Electronics outlets.
  • Get discounts of up to 50% at Abu Dhabi Co-Operative Society & Costless Electronics.
  • The minimum monthly spend required to start earning cashback is AED 500.
  • For all shopping at Abu Dhabi Co-Operative Society & Costless Electronics outlets, you earn 3.5% of monthly purchase value as EXTRA Cashback value points.
  • For all other shopping, you earn 0.35% of monthly purchase value as EXTRA Cashback value points.
  • 1 EXTRA Cashback value point = AED 1.
  • Maximum amount per year as cashback is AED 3,600.
  • Redeem for vouchers at the Abu Dhabi Cooperative Society.
  • There is no annual fee for this card.
  • You can convert your purchases to installment plans at 0.79% per month.
  • Get discounts on flight tickets and holiday packages.
Najm Cashback Blue
  • Earn reward points for all spends and redeem for vouchers at at any Carrefour store across the UAE.
  • For every AED 1 spent in Carrefour earn 2% cashback (2 points) and for every AED 1 spent everywhere else earn 1% cashback (1 point).
  • For every 10000 reward points earned, get an AED 100 Carrefour voucher.
  • Maximum redemption a month is AED 200 in vouchers. Additional cashback points earned in a particular month will not be carried forward to the next month.
  • There is no annual fee for this card.
  • Dedicated check-out counters at Carrefour hypermarkets.
  • Buy-one-get-one free offer for movie tickets and popcorn at VOX Cinemas anywhere in the UAE.
  • Convert purchases of over AED 500 to installment plans of up to 12 months at 0%.