Card ranking
9 matching cards from education cashback rules and capped all-spend rules currently tracked by Tilla.
Cap-aware comparison
Change both inputs to see which card still pays after category caps and total-spend tiers. Some cards use all monthly card purchases to set the education cashback rate.
For AED 5,000 this month, Emirates Islamic Switch Cashback Credit Card is the best tracked deal at AED 200 cashback. Effective rate: 4.00%. Its 4% tier requires at least AED 0 total monthly card spend.
| Card | Qualifies? | Rate | Cap | This payment | Effective |
|---|---|---|---|---|---|
| Switch Cashback Credit Card Emirates Islamic | Tracked education rule | 4.00%From AED 0 total spend | AED 200 / monthly | AED 200 | 4.00% |
| Cashback Plus Card Emirates Islamic | Tracked education rule | 3.00%From AED 3,000 total spend | AED 200 / monthly | AED 150 | 3.00% |
| Super Saver Commercial Bank of Dubai | Tracked education rule | 3.00%From AED 3,000 total spend | AED 75 / monthly | AED 75Cap applied | 1.50% |
| Noon Credit Card Mashreq | Tracked education rule | 0.33% | No cap listed | AED 17 | 0.33% |
| Cashback Credit Card Mashreq | Tracked education rule | 0.15%From AED 0 total spend | No cap listed | AED 8 | 0.15% |
| RTA Credit Card Emirates Islamic | Tracked education rule | 0.13% | No cap listed | AED 7 | 0.13% |
| Liv Cashback Card Liv | All-spend rule — confirm school coding | 4.00% | AED 1,500 / monthly | AED 200 | 4.00% |
| Citi Cash Back Credit Card Citibank UAE | All-spend rule — confirm school coding | 3.00% | No cap listed | AED 150 | 3.00% |
| Liv Tamayaz Credit Card Liv | All-spend rule — confirm school coding | 1.00% | No cap listed | AED 50 | 1.00% |
#1
4.00%
Education
Emirates Islamic
Earn up to 8% Cashback on your spends
4% cashback on Education when category month spend is at least AED 0. Maximum AED 200 cashback for this category per monthly.
#2
3.00%
Education
Emirates Islamic
Up to 10% cashback on groceries, education, dining, and telecom
3% cashback on Education when card month spend is at least AED 3,000 and at most AED 9,999. Maximum AED 200 cashback for this category per monthly.
#3
3.00%
Education
Commercial Bank of Dubai
Up to 10% cashback on everyday spends
3% cashback on Education when card month spend is at least AED 3,000 and at most AED 9,999.99. Maximum AED 75 cashback for this category and AED 300 across the shared category pool per monthly. School, college and university fees only. Driving classes, training centres, stationery, uniforms, institutional transport fees, and sports or music academies are excluded.
#4
0.33%
Education
Mashreq
5% cashback at noon, free delivery, AED 500 welcome bonus
0.33% cashback on govt. payments, utilities, education, charity, fuel, rental and telecom purchases [Derived category mapping: education]
#5
0.15%
Education
Mashreq
Up to 5% cashback on all spends
0.15% cashback on Education when category month spend is at least AED 0 per monthly.
#6
0.13%
Education
Emirates Islamic
Enjoy the convenience of having both a credit card and a Nol chip on a single card.
0.13% Cashback on Education, Telecommunication & Real Estate [Derived category mapping: education]
These cards have tracked all-spend cashback, but Tilla does not yet have an education rule for them. Generic fee-payment copy is not treated as school-fee cashback. Use them only after the official terms say school or education payments qualify.
Liv
4.00% on default, cap AED 1,500 per monthly. Annual fee: AED 0.
Check whether your school payment qualifies before relying on this rate. Some payments may be excluded or treated under a different merchant category.
Citibank UAE
3.00% on default, no cap listed. Annual fee: AED 300.
Check whether your school payment qualifies before relying on this rate. Some payments may be excluded or treated under a different merchant category.
Liv
1.00% on default, no cap listed. Annual fee: Not listed.
Check whether your school payment qualifies before relying on this rate. Some payments may be excluded or treated under a different merchant category.
Short answer
The best education-fee card is the one that still pays after caps, school card fees, and whether the bank treats the payment as education or everyday spend. Headline rates like 4% can be worth less than a lower rate with a higher cap.
Cards are ranked by estimated cashback on a typical AED 5,000 monthly school payment after caps and annual fees. Explicit education rules rank above unconfirmed all-spend cashback. Generic fee-payment marketing is not treated as school-fee cashback.
Read the methodology