Emirates Islamic CashBack Credit Card Sharia-compliant
A Sharia-compliant cashback credit card by Emirates Islamic with 5% cashback on utilities and shopping.
AED 367.50
5% utilities
AED 5,000
3.49%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 2,000 or more monthly on utilities and shopping combined.
Not ideal if
You mainly spend on dining, travel, or categories outside utilities and shopping.
Watch out for
AED 100 monthly cap per category limits total cashback to AED 2,400 yearly.
Calculate This Card’s Value
Earning Rates
5%
Cap: Up to AED 100/mo
5%
Cap: Up to AED 100/mo
1%
Perks
Key Strengths and Weaknesses
Strengths
5% cashback on utilities and shopping, strong for everyday household spend.
1% cashback on all other purchases provides baseline earning across categories.
Sharia-compliant structure for customers seeking Islamic finance products.
Cinema buy-one-get-one-free perk adds entertainment value.
Watch out for
AED 367.50 annual fee is not waivable, reducing net cashback.
AED 100 monthly cap per category limits maximum cashback to AED 200/month.
3.49% FX markup makes foreign currency transactions costly.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 367.50 annual fee is not waivable. If you max out both the utilities and shopping caps at AED 100 each per month, you earn AED 2,400 yearly, netting AED 2,032.50 after the fee. Consistent spend in both categories is essential to justify the cost.
What is the cashback cap on utilities and shopping?
Each category has a separate AED 100 monthly cap. You can earn up to AED 100 on utilities and AED 100 on shopping per month, for a combined maximum of AED 200 monthly or AED 2,400 annually.
Can I use this card abroad?
Yes, but the 3.49% FX markup on foreign currency transactions is high. The 1% cashback on international spend does not offset the markup, so this card is better suited for domestic use.
Is this card Sharia-compliant?
Yes, the Emirates Islamic CashBack Islamic Credit Card is fully Sharia-compliant, issued by Emirates Islamic Bank.
What is the minimum salary requirement?
You need a minimum monthly salary of AED 5,000 to be eligible for this card.