Cashback credit card recommendations for utilities and daily spends
Hi everyone,
I am looking for suggestions on a good cashback credit card in the UAE. My salary is AED 18,000 but I recently moved here and unfortunately do not have a 1 year LOR yet. I applied for the ADIB Cashback Card but got rejected because my employer is not listed with them and they require either an existing card or loan history of 1 year. I know ADIB Cashback and SIB Cashback are considered among the best, but I am trying to find a realistic alternative that I can actually get approved for. My spending pattern is pretty simple: • Utilities (DEWA, internet, gas,ista) • Everyday expenses • Occasional food delivery and eating out I do not spend anywhere close to 5k per month consistently.
I am mainly looking for: • Cashback focused card • No very high minimum spend requirement • Something that helps me build credit history so I can reapply for ADIB in the future
If anyone has been in a similar situation or has recommendations that worked without a 1 year LOR, I would really appreciate the help.
Posted Dec 24, 2025, 5:01 PM UTC