💳 Everyday · UAE

Best UAE Credit Card for IKEA

IKEA UAE has locations in Dubai and Abu Dhabi, and a growing online store. UAE residents visit IKEA regularly for home furnishing and seasonal home upgrades.

Top rate: 1.7% Everyday MCC 5712 20 cards ranked

Cards ranked by effective return at IKEA

Sorted by effective Everyday rate (highest first). MCC code 5712.

Card	Rate at IKEA	Monthly Cap	Annual Fee	Notes
1 Emirates NBD Emirates NBD Skywards Infinite	1.7% miles equiv.	No cap	AED 1800	0.5 Skywards miles/AED — 1 mile ≈ AED 0.033
2 Dubai First Dubai First Titanium Cashback	1.5% cashback	No cap	AED 200	1.5% cashback on all other eligible spend — no cap
3 Commercial Bank of Dubai CBD Visa Infinite	1.5% cashback	No cap	AED 1500	1.5% on all other eligible spend
4 First Abu Dhabi Bank FAB World Elite Mastercard	1.5% miles equiv.	No cap	AED 2500	1.5% miles-equivalent on all other spend
5 Wio Bank Wio Bank Cashback Card	1.5% cashback	No cap	No fee	1.5% on all other purchases — strong base rate
6 ADCB ADCB TouchPoints Platinum	1% pts equiv.	No cap	No fee	1 TouchPoint/AED on all other spend
7 First Abu Dhabi Bank FAB Cashback Platinum	1% cashback	No cap	AED 300	1% cashback on all other spend
8 Mashreq Mashreq Cashback Credit Card	1% cashback	No cap	AED 300	1% cashback on all other eligible spend

Disclaimer: Reward rates are based on published card terms and may have changed. Always verify the current rate with your bank before making financial decisions. Sikka is a read-only advisory service — we recommend, you execute.

What you could earn

Based on a typical AED 800 monthly spend at IKEA, using the top-ranked card:

AED 13

per month

AED 158

per year

1.7%

effective return

Calculated using Emirates NBD Skywards Infinite at 1.7% miles. No monthly cap. Verify current rates with your bank.

Why card choice matters at IKEA

UAE residents can earn significantly different reward rates at IKEA depending on their credit card. The spread between the best and worst card at this merchant is up to 1.7% versus the generic 0.75% fallback rate — a difference of AED 8 per month on a typical AED 800 monthly spend.

Everyday spend cards like utility bills and toll charges often go unrewarded — choosing the right card closes this leak.

Head-to-head comparison

Compare the top two cards for Everyday spend side by side.

Emirates NBD Skywards Infinite vs Dubai First Titanium Cashback

Other Everyday merchants

Salik (Dubai Toll)