Credit Card vs Debit Card Rewards: Which Gives Better Value?

Choosing between a credit card and debit card isn't only about how you pay. The right card can also help you get more value from everyday shopping, dining and entertainment in the UAE.

Credit Card vs Debit Card Rewards: What's the Difference?

A debit card uses money directly from your bank account, while a credit card lets you spend within an agreed credit limit and repay later. A rewards credit card can go further by turning eligible spending into points, cashback and additional benefits, from entertainment offers to travel and lifestyle privileges.

How Can Credit Cards Be More Rewarding with SHARE?

With a SHARE credit card, purchases you already make can become opportunities to earn SHARE Points. You can earn up to 8% back in SHARE Points at any store, restaurant or experience within Mall of the Emirates or any City Centre malls, depending on your SHARE Credit Card tier. You can also earn up to 1.5% back in SHARE Points on eligible spending elsewhere, including international purchases.

For example, imagine spending AED 1,000 at Lululemon in Mall of the Emirates. With an eligible SHARE credit card that offers up to 8% back, you could earn additional SHARE Points. You can also earn SHARE Points by buying beauty products at Sephora or Shiseido in Mall of the Emirates or any City Centre mall, based on your eligible card tier.

The opportunities extend across different parts of your lifestyle. Shop for activewear at lululemon, toys and gifts at LEGO, furniture and homeware at Crate & Barrel, or fashion at AllSaints and Psycho Bunny. You can also earn while enjoying family time at Magic Planet, catching a film at VOX Cinemas, dining and enjoying entertainment at SOCO, or shopping for everyday groceries at Carrefour.

Which SHARE Credit Cards Can Help You Earn More?

The Emirates NBD SHARE Visa Credit Cards let eligible cardholders earn SHARE Points across Majid Al Futtaim malls and brands, as well as on other eligible everyday spending. Depending on the card tier, additional benefits can include VOX Cinemas offers, airport lounge access and other lifestyle privileges.

Customers can also explore FAB SHARE Credit Cards and ADIB SHARE Visa Cards, which offer different ways to earn SHARE Points on eligible purchases. Benefits, earning rates and eligibility requirements vary, so compare the latest card options based on your spending habits and lifestyle.

How Does SHAREPay Make Spending More Rewarding?

SHAREPay brings payments and rewards together within the SHARE app. By linking an eligible payment card to SHAREPay, you can instantly earn and redeem SHARE Points at any store or experience across Mall of the Emirates or any City Centre malls.

This makes SHAREPay an easy way to bring payments and rewards together, whether you're shopping for fashion, dining with friends, buying groceries, picking up gifts or enjoying entertainment.

How Can You Get More Value from a Rewards Credit Card?

Shop smart to get more value from your everyday spending and earn rewards with a SHARE Credit Card. By choosing a card that complements your lifestyle and shopping habits, everyday purchases can become opportunities to earn more SHARE Points.

Use your SHARE Credit Card with SHAREPay to instantly earn more from the things you already do: shop for groceries at Carrefour; browse the malls for clothes, toys, gifts, furniture or electronics; or simply enjoy leisure time with family and friends.

Whether it's a movie at VOX Cinemas, dining, entertainment or shopping at your favourite brands or everyday purchases, your spending habits can help you build SHARE Points and unlock more value.