Best Credit Cards for Dining in the UAE Earn While You Eat
Let's be honest — if your credit card isn't rewarding your Friday brunch, your weeknight takeaway, or your third coffee of the day, it's not working harder for you.
The UAE's dining scene is extraordinary, and banks have responded with cards that genuinely reward you for enjoying it. Whether you're asking, "Which card gives the most cashback at restaurants in the UAE?" or want a no-fee card that earns something every time you eat out, this guide cuts through the noise.
We've ranked the top 5 credit cards for-food lovers in the UAE — covering dining cashback rates, coffee shop perks, Sharia-compliant options, and free-for-life cards that still deliver real value.
1. SHAMS Infinite Covered Card — Best for High Spenders Who Dine Often
Bank: Dubai Islamic Bank (DIB) · Annual Fee: AED 699 · Min. Salary: AED 20,000
- Sharia-compliant card earning 5% back on dining and travel, capped at 20,000 points/month
- Airport transfers, lounge access, valet parking, Fitness First access
- Buy one get one coffee at Costa
- AED 699 fee waived if you spend AED 60,000/year; free in the first year
- Best for: Regular diners earning AED 20,000+ who want strong dining cashback with premium lifestyle perks on a Sharia-compliant card
Spending AED 2,500/month on dining and travel earns roughly AED 1,500 in annual rewards — more than double the annual fee.
2. RAKBANK World Credit Card — Highest Cashback Rate for Dining
Bank: RAKBANK · Annual Fee: AED 999 · Min. Salary: AED 20,000
- 10% cashback on dining, travel, and groceries — highest rate on this list
- 50% cashback on VOX Cinema tickets
- Worldwide lounge access
- Six local or three international chauffeur trips per year
- Best for: Frequent diners who want maximum cashback and a card that more than pays for itself
AED 1,000/month on dining = AED 100 cashback/month = AED 1,200/year — covers the annual fee with everything else as pure gain.
Not sure if this card fits your spending? Use testmycard to get a personalised match in minutes
3. Liv Tamayaz World Card — Best for Café Lovers and Everyday Foodies
Bank: LIV by ENBD · Annual Fee: AED 735 · Min. Salary: AED 20,000
- 2% cashback on dining and fuel — restaurants, cafés, takeaways, and delivery included
- Buy one get one deals, discounts, and freebies across 50+ coffee shops in the UAE (valid until August 2026)
- AED 1,000 welcome bonus
- Access to 800+ airport lounges
- Launched early 2026 with Union Coop and Mastercard
- Best for: Café regulars and Union Coop shoppers wanting food rewards across supermarkets, dining, and coffee in one card
4. Liv Tamayaz Platinum Card — Best Free Card for Dining Rewards
Bank: LIV by ENBD · Annual Fee: Free for life · Min. Salary: AED 5,000
- No annual fee, no joining fee, no minimum spends
- 2% cashback on dining and fuel
- Access to 25+ airport lounges
- Same 50+ café perks as the World card
- Monthly cashback capped at AED 750, credited as Tamayaz Points redeemable at Union Coop
- Best for: Budget-conscious residents and new UAE arrivals who want real dining rewards with zero annual fee commitment
Spending AED 1,500/month on dining earns AED 30/month = AED 360/year — entirely free of charge.
Earning AED 5,000–15,000/month? The Tamayaz Platinum is likely your best free dining card. Verify your match at testmycard.
5. SHAMS Platinum Covered Card — Best Entry-Level Dining Card
Bank: Dubai Islamic Bank (DIB) · Annual Fee: AED 199 · Min. Salary: AED 5,000
- Sharia-compliant card earning 5% back on dining and travel — same rate as the premium SHAMS Infinite
- AED 199 fee waived when you spend AED 15,000/year (AED 1,250/month)
- AED 5,000 minimum salary — strong rewards at lowest cost of entry
- Best for: New UAE residents, early-career professionals, and anyone seeking Sharia-compliant dining rewards without a heavy annual fee
Which Card Should You Choose?
The right pick comes down to three things: your salary, how much you genuinely spend on food, and whether Sharia compliance matters to you.
- Highest dining cashback rate: RAKBANK World (10%)
- Best Sharia-compliant dining card: SHAMS Infinite (5%) or SHAMS Platinum (5%)
- Best for café lovers: Liv Tamayaz World or Platinum (50+ coffee shop deals)
- Best free card for dining: Liv Tamayaz Platinum
- Best entry-level dining card: SHAMS Platinum (AED 5,000 salary, AED 199 fee)
Still deciding? Use testmycard — answer a few quick questions about your salary, spending habits, and lifestyle preferences, and get a personalised card recommendation in minutes.
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