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🛒 Groceries · UAE

Best UAE Credit Card for Spinneys

Spinneys is a premium supermarket favoured by expats in Dubai and Abu Dhabi, known for Western and international product ranges and high-quality fresh produce.

Top rate: 5% Groceries MCC 5411 16 cards ranked

Cards ranked by effective return at Spinneys

Sorted by effective Groceries rate (highest first). MCC code 5411.

Card Rate at Spinneys Monthly Cap Annual Fee Notes
1
Emirates NBD Emirates NBD Lulu Titanium
5% pts equiv. AED 3,000 /mo No fee 5% at Lulu Hypermarket locations
2
ADCB ADCB TouchPoints Platinum
4% pts equiv. AED 2,000 /mo No fee 4 TouchPoints/AED — 1pt = AED 0.01
3
First Abu Dhabi Bank FAB Cashback Platinum
3% cashback AED 1,500 /mo AED 300 3% cashback on grocery spend
4
Standard Chartered Standard Chartered Manhattan Platinum
3% cashback AED 2,000 /mo AED 500 3% cashback on supermarket and grocery spend
5
Emirates Islamic Emirates Islamic Cashback Card
3% cashback AED 2,000 /mo AED 300 3% cashback on groceries
6
Mashreq Mashreq Cashback Credit Card
2% cashback AED 1,000 /mo AED 300 2% cashback on groceries
7
Dubai First Dubai First Titanium Cashback
2% cashback AED 2,000 /mo AED 200 2% cashback on grocery spend
8
RAK Bank RAK Bank Titanium Credit Card
2% cashback AED 2,000 /mo AED 300 2% cashback on groceries
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 700 monthly spend at Spinneys, using the top-ranked card:

AED 35
per month
AED 420
per year
5%
effective return

Calculated using Emirates NBD Lulu Titanium at 5.0% points. Monthly cap: AED 3,000. Verify current rates with your bank.

Why card choice matters at Spinneys

UAE residents can earn significantly different reward rates at Spinneys depending on their credit card. The spread between the best and worst card at this merchant is up to 5% versus the generic 0.75% fallback rate — a difference of AED 30 per month on a typical AED 700 monthly spend.

Grocery spending is one of the highest-frequency categories for UAE households, making card selection especially impactful.

Head-to-head comparison

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

Other Groceries merchants

Know your best card before you tap at Spinneys

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