Calculator
Estimate potential cashback on UAE school or education fee payments by entering fees, payment months, cashback rate, caps, and card or school charges.
Tracked education rules
6
Confirm first
3
All-spend cards that may not treat school fees as qualifying spend.
Cap aware
Monthly, quarterly, and annual caps are treated differently.
Short answer
Use this calculator to test whether paying school fees monthly by card could produce useful cashback after caps and fees. Generic fee-payment or all-spend cards need a school-coding check first. Results are illustrative only.
School fees calculator
Change the school payment pattern, cap period, school fee, and card fee to see how quickly headline cashback changes.
Monthly payment
AED 5,000
Annual fees divided by payment months.
Average monthly cashback
AED 200
Reflects the cap period selected.
Total cashback
AED 2,400
Before cap: AED 2,400.
School card fees
AED 0
Based on the school card fee percentage entered.
Fixed card fees
AED 299
Annual card or bank fees entered.
Estimated net value
AED 2,101
Total cashback minus school and card fees.
What these school fees would pay
This is an annual estimate for the school-fee amount above, after each card's listed annual fee. It is not a best-card ranking. Likely education rules are listed first. Confirm-first cards still apply their headline rate only to show the gap if school fees unexpectedly qualified.
Likely education rules
Sorted by net cashback after the card fee. Use this group when comparing school-fee value.
| Card | Tracked rate | Year cashback | After card fee | Cap |
|---|---|---|---|---|
| Emirates Islamic Switch Cashback Credit Card | 4.00% · fee AED 299 | AED 2,400 | AED 2,101 | At the annual cap of AED 2,400 |
| Emirates Islamic Cashback Plus Card | 3.00% · fee AED 299 | AED 1,800 | AED 1,501 | Under the annual cap of AED 2,400 |
| Commercial Bank of Dubai Super Saver | 3.00% | AED 900 | AED 900 | Capped at AED 900 from AED 1,800 |
| Mashreq Noon Credit Card | 0.33% | AED 198 | AED 198 | No cap listed |
| Mashreq Cashback Credit Card | 0.15% | AED 90 | AED 90 | No cap listed |
| Emirates Islamic RTA Credit Card | 0.13% | AED 78 | AED 78 | No cap listed |
Confirm school coding first
These cards do not have a tracked education rule. The cashback shown assumes the headline all-spend rate applies, which often does not.
| Card | Tracked rate | Year cashback | After card fee | Cap |
|---|---|---|---|---|
| Liv Cashback Card | 4.00% | AED 2,400 | AED 2,400 | Under the annual cap of AED 18,000 |
| Citibank UAE Citi Cash Back Credit Card | 3.00% · fee AED 300 | AED 1,800 | AED 1,500 | No cap listed |
| Liv Tamayaz Credit Card | 1.00% | AED 600 | AED 600 | No cap listed |
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% |
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.
Tracked rank 1
Emirates Islamic
4.00% on education, cap AED 200 per monthly. Annual fee: AED 299.
Check whether your school payment qualifies before relying on this rate. Some payments may be excluded or treated under a different merchant category.
Tracked rank 2
Emirates Islamic
3.00% on education, cap AED 200 per monthly. Annual fee: AED 299.
Check whether your school payment qualifies before relying on this rate. Some payments may be excluded or treated under a different merchant category.
Tracked rank 3
Commercial Bank of Dubai
3.00% on education, cap AED 75 per monthly. 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.
Tracked rank 4
Mashreq
0.33% on education, no cap listed. 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.
Tracked rank 5
Mashreq
0.15% on education, no cap listed. 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.
Tracked rank 6
Emirates Islamic
0.13% on education, 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.
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.
Monthly payment is annual fees divided by payment months. Monthly cashback is monthly payment multiplied by the cashback rate, then limited by the cap amount and cap period entered. Monthly caps are multiplied by payment months. Quarterly caps are multiplied by the number of quarters touched by the payment schedule. Annual caps are applied once across the total. Estimated net value is total cashback minus school card fees and fixed card or bank fees. 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.